text:
Chemically pure sodium tetraborate powder will assay as almost 200% chemically pure sodium tetraborate decahydrate because it can make that much decahydrate by absorbing water. You can look up the NF grade which has practically no soluble or insoluble impurities and you will find that as the decahydrate it will assay as between 99.9 and 110%. I don't know where you learned your chemical engineering, but I hope you didn't learn all they were teaching. Most reputable schools would be better than that.
You will not precipitate any water insoluble solids from technical grade borax decahydrate powder.
You are saying that if I don't filter my borax solution, it will have insoluble solids in it.

subset: commoncrawl


text:
Great 80's American Luxury at it's finest with this 1986 Lincoln Town Car, Cartier Edition. V8, AT Transmission, ONE family owned Car, 46,240 original... More
LINCOLN: 1986 Town Car, a beauty, clean bill of health from AAA computer check on engine, new tires, new radiator, one-pinky steering, a tank!... More


text:
Join the Fishing for Life Taste Test Team!
- Food & Drink
SoBiz10.com Launch Party for Denver!
Friday, February 25, 2011 at 9:00 PM - Saturday, February 26, 2011 at 2:00 AM (MST)
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text:
Favstar gets even better if you sign in.
Just neighed into a pig's ear and it went deaf and ran in front of a tractor
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text:
|Project Name
|Price (USD)
|Project Name
|Price (USD)
|Business Ematching module for use in a joomla installation
|...who have experience in creating and modifying joomla modules, plugins, and the CMS itself. For...business Ematching module for use in a joomla installation, installable as a joomla module(s) and or plugin(s)...plugin(s). The module should be able to automatically and manually match a buying/selling/intermediary
|PHP, Software Architecture, Software Testing, Website Testing, Website Management, Web Hosting
|Jun 1, 2011
|Jun 1, 2011Ended
|joomla module adapted for use on ordinary website
|last year i had a joomla module developed for my taxi site that calculates taxi fares. the people who...now i want to move away from joomla to a basic html site so i want the module to be able to work as stand...stand alone away from joomla and i also want some form validation written in, the code tidied up and a proper
|PHP, Javascript
|Nov 20, 2013
|Nov 20, 2013Ended
|Configure 2checkout joomla module for use with Virtuemart in
|We require configuration of virtuemart joomla project in order to work correctly with 2checkout. Including...Successfull transaction data etc sent back to our joomla virtuemart control panel and have the sales status...panel. This is a known problem with 2checkout and joomla / virtuemart. PLEASE DO NOT TENDER FOR THIS PROJECT
|PHP, Website Design, Joomla, Shopping Carts, Virtuemart
|Jan 27, 2011
|Jan 27, 2011Ended
|Joomla module
|...would like to list all clubs where the joomla user (member_id = joomla user_id) has role_name 'Administrator'...another button to display the club facilities and use checkboxes to update each facility. On or off. Column
|PHP, Software Architecture
|Mar 25, 2012
|Mar 25, 2012Ended
|Joomla module
|...the component "com_geosearch" using the normal Joomla! extension installer. a. Make sure you have...requires knowledge of html. The constants you will use are the sobi2 field_ids you wish to display as well...gallery image 2. Install the module "mod_geosearch" using the Joomla! extension installer and make sure
|May 17, 2011
|May 17, 2011Ended
|Joomla module
|...take the module k2 content (that I use as a carousel) and instead of the k2 content to have joomla articles...template is here http://www.templatemonster.com/joomla-templates/39353.html I have make the (what's...to make it shoes only the Joomla articles. all the other oprions of the module are usefull Please provide
|PHP, Website Design, Graphic Design, HTML
|Apr 22, 2013
|Apr 22, 2013Ended
|Teach me how to use Event Registration Pro (a Joomla module)
|...installed on my Joomla site. I need someone who is a Joomla expert to help me learn how to use it and how...with the Virtuemart payment module. Please send me examples of your Joomla work. Thank you. PAUL ##...coder's Seller Legal Agreement). ## Platform Joomla 1.0
|PHP, Engineering, User Interface / IA, Software Architecture, Software Testing, Website Testing, MySQL, Amazon Web Services, Website Management, Web Hosting
|Jan 27, 2009
|Jan 27, 2009Ended
|Amend Joomla! module to use responsive-friendly tag cloud
|Amend our Whizzy Tags module which can currently only be used in a square configuration (tag cloud) to: ...- Have one module to power com_content & com_k2 tag clouds 3 - Support tags from Joomla! 3.x in addition
|PHP, Website Design, Joomla, MySQL, HTML
|Jul 24, 2013
|Jul 24, 2013Ended
|159132 Adapt WB to use Joomla Modules
|...the joomla modules in websitebaker cms. It allowed change the core of WB cms to accept a JOOMLA module...same name of joomla. The wb cms can be find at www.websitebaker.org The joomla cms can be find...Do can make a engine that convert the JOOMLA module in a WB module (preferential) or can be done by a specialized
|PHP, MySQL, Anything Goes
|Aug 18, 2007
|Aug 18, 2007Ended
|Use Joomla to do Property Ads
|Using Joomla, to do CMS website for property ads 1.User registration for posting base on level (basic...except Agent ads will be show here. 13. Payment module by PayPal Thanks
|PHP, Website Design, Graphic Design, HTML
|Jan 1, 2013
|Jan 1, 2013Ended
|Joomla Component and Module
|Developed with joomla forum and would like to use ajax, css, php java will be merged with joomla XenForo
|PHP, AJAX, Joomla
|Feb 21, 2013
|Feb 21, 2013Ended
|Custom joomla module
|Do a custom module using a Ohanah Events component for Joomla 2.5. Use a default module from ohanah events
|PHP, Website Design, Joomla
|Aug 22, 2012
|Aug 22, 2012Ended
|Joomla 2.5 module
|...component to joomla 2.5 minimum. Must have to unlimited categories, have to be easy to use, have paypal...paypal plugin. Must be unique. If u feel u can make module like this give your offer. I will pay after job
|Apr 29, 2013
|Apr 29, 2013Ended
|9847 Joomla with hotproperty module
|Install Joomla on Brinkster server, install hotproperty. Language module 4 languages. Be able to use form's...property's. Need someone with good knowledge of Joomla and Hotproperty. If this site works out fine, have
|PHP, Website Design, Joomla, SQL, CSS, Anything Goes
|Jul 20, 2006
|Jul 20, 2006Ended
|Convert a joomla component to a module.
|...to convert an image gallery component to a module that use the component config and display the component...component results as a horizontal or vertical module using previous and next page slide.
|PHP, Website Design, Joomla
|Aug 12, 2012
|Aug 12, 2012Ended
|fix our joomla module
|...fix our newsletter module is not working anymore since we updated joomla (jnews module). 2- in home page...straight to the next one (Sot Article Slideshow module). 3- fix the possibilities to display image with...article12.jpg" in slider module (Sot Article Slideshow module) we use Joomla! 2.5.9 and check attached
|PHP, Joomla, CMS
|Apr 11, 2013
|Apr 11, 2013Ended
|search module for Joomla
|Hi, I use HikaShop as an e-commer solution for Joomla, the program does not have a proper search...search module using Joomla's original search. Being a E-commer site I need a better search engine that return...to incorporate it to joomla. Need someone who knows how to modify the Joomla module to work along with
|PHP, XML, Joomla
|Sep 1, 2011
|Sep 1, 2011Ended
|Joomla! Jomsocial Module
|Need a custom module for Jomsocial's events. Module will let users choose more than one category when...one. Very quick project. Fast payment. Please use the word CHICO in your bid so I know you're not spam
|PHP, Joomla, MySQL
|Apr 27, 2011
|Apr 27, 2011Ended
|joomla module converstion
|...converted into a joomla module and have it tested we wanted the module used so the student can use all the features
|PHP, Project Management, Engineering, Software Architecture, Software Testing, Website Testing, MySQL, Website Management, Web Hosting
|May 30, 2009
|May 30, 2009Ended
|Create of joomla module
|... i need someone to create for me a job module for joomla List of jobs name, company, description...submit a cv, resume should be simple and easy to use my budget is 70USD
|PHP, Joomla, CSS, HTML
|Jun 11, 2013
|Jun 11, 2013Ended


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text:
HomeCare Policy Important Information Please read and keep safe HomeCare policy index General Homecall helpline and Property Claims Service 2 Introduction and complaints procedure 3 Special notes 4 Definitions 5 Events Insured Section 1 – Buildings and contents 7 Section 2 – Optional extra cover for jewellery, personal belongings, bicycles & money 17 Section 3 – Optional caravan cover 18 Section 4 – Optional help in a home emergency cover 19 Section 5 – No-claim discount 21 General policy conditions – all sections 22 General policy exclusions – all sections 24 Endorsements 26 Keeping your home safe and secure 31 PD/063/04/11 Aviva Insurance Europe SE Registered in Ireland No 3319 – Registered Office: One Park Place, Hatch Street, Dublin 2. Aviva Insurance Europe SE is regulated by the Central Bank of Ireland HomeCare • 1 Homecall helpline Property Claims Service CallSave 1850 621 126 anytime, any day 1890 666 888 anytime, any day If you have a sudden emergency in your home If you have experienced a problem that may such as damage to your roof, a burst pipe or result in a claim, call the emergency service and, broken window, we provide rapid access to if necessary, the police. Make sure to phone our tradesmen and repairers through our service Property Claims Service on 1890 666 888 as provider, Ireland Assist Limited. The number to soon as you can for help and guidance with your dial is shown above and our service operates 24 claim. hours a day, 365 days a year. A dedicated specialist will take details of the You are responsible for paying the bill. However, damage or loss. There are no forms to fill and if the damage is covered by your policy, we will some types of claims are settled over the phone. refund this amount less any excess. We do not accept responsibility for any expense, resulting If we need to assess the damage or loss, we will loss, legal liability or loss or damage to any make an appointment for a loss adjuster to visit property or person arising from providing this you. service. Property Claims Service 2 • Aviva Introduction Your policy and schedule insurer and the customer may choose the law Here is your new HomeCare policy and schedule which applies to the contract. We propose that containing full details of the insurance we are Irish law will apply. providing. The schedule sets out details of the Complaints procedure cover you have chosen. We aim to give excellent service to all our Please read this policy and schedule carefully to customers; however, we recognise that things make sure that you have the cover you need. may occasionally go wrong. We will do our You have the right to cancel your policy in best to deal with your complaint as effectively the 14 days after the start of the policy or and quickly as possible. Please contact the the day on which you receive your policy agent or advisor who arranged your cover documents, whichever is later. You need to (CallSave 1890 33 22 11). If your complaint let us know, quoting your policy number, so is not sorted out to your satisfaction, please we can cancel the policy. As long as you contact: haven't made any claims, we will work out Customer Feedback Team the premium for the period we have been Aviva Insurance Europe SE insuring you and refund the balance. One Park Place Hatch Street Your HomeCare policy Dublin 2 This policy is a contract of insurance between CallSave: 1 850 36 37 38 you and us. E-mail: firstname.lastname@example.com Website: www.aviva.ie You should read this policy, the information you You can also write to the Managing Director, have provided and the schedule together. These Aviva Insurance Europe SE, One Park Place, documents form the contract of insurance Hatch Street, Dublin 2 or contact: between you and us. • The Financial Services Ombudsman In return for your premium, we will provide the Bureau cover shown in the schedule during the period 3rd Floor of insurance. Lincoln House Lincoln Place We will settle claims by either repairing, Dublin 2 replacing or reinstating property or by making a LoCall: 1 890 88 20 90 payment. Phone: 01 662 0899 Fax: 01 662 0890 The Third EU Non-Life Directive states that we E-mail: firstname.lastname@example.com must give you the following information. Website: www.financialombudsman.ie The law which applies to this contract You will not lose your right to take legal action if you contact any of the above. Under the relevant European and Irish law, the HomeCare • 3 Special notes Mid-term alterations If you make an alteration to your policy and this results in a change of premium, we will not charge or refund any amount under €20. Insurance Act 1936, Section 93 All money paid by us under this policy will be paid in the Republic of Ireland. Stamp Duties Consolidation Act 1999 The appropriate stamp duty has been or will be paid in accordance with the provisions of Section 5 of the Stamp Duties Consolidation Act 1999. Signed on behalf of the company by authority of the board 4 • Aviva Definitions Wherever the following words or phrases Credit and debit cards appear in the policy, they will have the meanings Credit, charge, cheque, debit, bankers' or given below. cash-dispenser cards. Bodily injury Endorsement Injury resulting directly from an accident caused Changes to the terms of your policy that are suddenly by violent and visible means. shown in your schedule. Buildings Excess Your home and its fixtures and fittings, interior The amount you must pay towards certain decorations, swimming pools (but not outdoor spas and hot tubs), fuel, septic and service claims. This is shown in your schedule. tanks, terraces, patios, decks, paths, driveways, Home tennis courts, walls, fences and gates for which Your private house and its outbuildings you are legally responsible, all within the boundary of your home. (including those built of timber, up to €3,000 in value) or apartment at the address shown in Caravan (section 3) your schedule, all of which are used only for Your caravan or mobile home including fixtures, domestic purposes. fittings, furniture, furnishings and utensils in or Household attached to it and used for social, domestic and pleasure purposes only. You and anyone else who lives permanently Contents with you at your home. Household goods, personal belongings and Period of insurance valuables (including personal money up to the The period shown in the schedule. limit shown in the schedule) within your home which you or any member of your household Personal belongings own or for which you are responsible. Luggage, clothing, sports, musical and This does not include: photographic equipment and other items that you normally wear or carry with you. • documents or securities (stocks and shares) valued at more than €400 in total; Personal money • medals or coins; Cash, currency notes, banknotes, current • caravans, watercraft, motor vehicles postage stamps, cheques, postal and money (including ride-on lawnmowers) or orders, National Insurance stamps, Savings trailers or parts or accessories for any of Stamps and Certificates, other trading stamps, them; travel tickets and traveller's cheques, gift or • any living creature or plants, trees or book tokens, and credit notes. shrubs; Schedule • property used or kept for business, trade The document which gives details of the cover or professional purposes; or you have. • property more specifically insured. HomeCare • 5 Sum insured The amount shown in your schedule as the most that we will pay for claims resulting from one incident. Unoccupied Not lived in by a member of your household or any other person who has your permission. Unfurnished Does not contain enough furniture for normal living. Valuables Jewellery, furs, items of precious metals, pictures and works of art. Unless we say otherwise, the most we will pay for valuables is one third of the contents sum insured in total and €2,600 or 5% of the contents sum insured (whichever is more) for any single item. We, us and our Aviva Insurance Europe SE. You and your The person named as policyholder in the schedule. 6 • Aviva Section 1 – Buildings and contents Events insured Exclusions (See the corresponding exclusions opposite.) (See also the general policy exclusions on page 24.) We will provide cover for loss or damage to your buildings and contents in your home caused by We will not pay for the excess shown in your the following. schedule or for loss or damage: 1 Fire, explosion, lightning, earthquake 2 Smoke • which happens gradually; 3 Storm or flood • due to frost; • caused by water entering your home due to wear, tear or deterioration; • to fences, gates or decks; 4 Falling trees or branches • to trees or the cost of removing fallen trees or branches; • caused by tree felling or lopping operations; 5 Falling aerials, masts, satellite dishes or • to aerials or masts over 15 metres high (unless security cameras, including damage to we agree otherwise) – the most we will pay these. for loss or damage to aerials, masts, satellite dishes or security cameras is shown in your schedule; 6 Impact by an aircraft or other flying object, • to contents unless the buildings are damaged road or rail vehicle (or anything falling from by the same cause. them) or animals (not including domestic pets). HomeCare • 7 Section 1 – Buildings and contents (continued) Events insured Exclusions (See the corresponding exclusions opposite.) (See also the general policy exclusions on page 24.) We will provide cover for loss or damage to your buildings and contents in your home caused by We will not pay for the excess shown in your the following. schedule or for loss or damage: 7 Subsidence, heave or landslip of the land • caused by normal settlement or shrinkage or on which your home stands. by newly made-up ground moving, coastal or river erosion (wearing away), inadequate foundations, demolition, construction, or structural repair or alteration; • caused by using faulty materials or faulty workmanship; • to walls, fences, gates, decks, footpaths, driveways, terraces, patios, tennis courts, and swimming pools, unless your home is damaged at the same time and by the same cause; • if any of the property on the site has previously been damaged by land moving and you have not told us about it; • to solid floors unless the foundations beneath the outside walls of your home are damaged at the same time and by the same cause; 8 Leaking or overflowing of water or oil • while your home is unfurnished or from within any plumbing, heating or unoccupied for more than 60 days in a row; drainage system or fixed domestic • caused by wear and tear or deterioration; appliance. • to walls or wall tiles caused by water from Trace and access – we will pay the amount shower units; shown in your schedule to find the source of • to the component or appliance from which any oil or water leak causing damage which water leaks (unless caused by freezing); is covered by this event. Loss of oil – we will also pay the amount shown in your schedule to replace oil lost as a result of these events. 8 • Aviva Events insured Exclusions (See the corresponding exclusions opposite.) (See also the general policy exclusions on page 24.) We will provide cover for loss or damage to your buildings and contents in your home caused by We will not pay for the excess shown in your the following. schedule or for loss or damage: 9 Theft or attempted theft • while your home is unfurnished or unoccupied for more than 60 days in a row; • to money or stamps unless force and violence are used to get into or out of the buildings; • while any part of the buildings are let, sublet, occupied by paying guests or used for business or professional purposes unless force and violence are used to get into or out of the buildings; • not reported to the police; 10 Riot, civil unrest, strikes, labour or • to boundary walls, fences, gates, decks, political disturbances, vandalism or footpaths, driveways, terraces, tennis courts, malicious acts patios, and swimming pools; • while your home is unfurnished or unoccupied for more than 60 days in a row; • caused by a person legally on the premises; 11 Breakage of glass • to hand mirrors; Accidental breakage of sanitaryware and • while your home is unfurnished or fixed glass in windows, doors, solar panels, unoccupied for more than 60 days in a row; plate-glass tops and fixed glass in furniture, • to any item damaged or cracked before this glass shelves, ceramic hobs and mirrors. insurance began; The most we will pay for ceramic hobs or • caused by any process of repair, replacement glass oven doors is shown in your schedule. or alteration. 12 Service pipes and cables Accidental damage to service pipes, cables and underground tanks which service your home and for which you are responsible. HomeCare • 9 Section 1 – Buildings and contents (continued) Events insured Exclusions (See the corresponding exclusions opposite.) (See also the general policy exclusions on page 24.) We will provide cover for the following. We will not pay for the excess shown in your schedule or for loss or damage: 13 Domestic employees' belongings • to money and stamps; Loss or damage caused by any of the events • to items more specifically insured; 1 to 10 to the clothing and personal belongings of any of your domestic employees in your home or while with you or your family temporarily in any other house. 14 Contents temporarily removed • to any property at, or while being transported to or from, an exhibition, furniture store or Loss or damage caused by any of the events sale room; 1 to 10 while your contents are temporarily removed from your home to anywhere in • caused by storm or flood to property being Ireland or elsewhere in Europe. However, we transported; will only insure against theft or attempted • by theft or attempted theft of money and theft when your contents are: stamps from any building if force is not used • in any bank safe deposit or private house to get into or out of the property; which is lived in; • by accidental damage; • in any building where you or any household member lives, or is employed, or carrying on business; • being taken to or from any bank or safe deposit by you, a household member or authorised employee. The most we will pay is 20% of your contents sum insured. 15 Insurance for contents during • to contents in storage away from the removal household removal vehicle; Loss or damage to your contents while they • for which you can claim from any other are being moved by professional removal source; contractors between your home and your • caused by cracking, scratching or breaking of new permanent home in the Republic of glassware, china, pottery, porcelain, terracotta Ireland or Northern Ireland. or other brittle items unless they have been packed for removal by professional packers. 10 • Aviva Events insured Exclusions (See the corresponding exclusions opposite.) (See also the general policy exclusions on page 24.) We will provide cover for the following. We will not pay for the excess shown in your schedule or for loss or damage: 16 Death benefit a We will pay the amount shown in your schedule if you or your domestic partner die within three months of an injury received in your home caused by a fire, violence related to a theft or an accident. b If your pet dog or cat is killed as a direct result of a fire or theft involving forced entry for which you are entitled to claim under this policy, we will pay the amount shown in your schedule in compensation. Your dog must be licensed and we may need proof of purchase or pedigree. You will not have to pay an excess under this section. 17 Replacing door locks • to locks on domestic outbuildings; If the keys to the locks of outside doors, alarms systems or domestic safes at your home are stolen during a break-in at your home, or an assault on a member of your household, we will pay the cost of replacing the locks up to the limit shown in your schedule and you will not have to pay an excess under this section. 18 Jury service We will pay the daily benefit shown in your schedule for each day or part of a day that you or your partner go to court for jury service. A claim under this section will not affect your no-claim bonus and you will not have to pay an excess under this section. HomeCare • 11 Section 1 – Buildings and contents (continued) Events insured Exclusions (See the corresponding exclusions opposite.) (See also the general policy exclusions on page 24.) We will provide cover for the following. We will not pay for the excess shown in your schedule. 19 Visitors' belongings Loss or damage (including accidental damage if this applies) caused by any of the events 1 to 10 to your visitors' personal belongings while temporarily in your home. We will pay up to the limit shown in your schedule and you will not have to pay an excess under this section. 20 Credit and debit cards We will not pay for any legal liability: If you or any family member living • more specifically insured under any other permanently with you become legally liable policy; for costs following the loss of your credit or • resulting from a lost card which you did not debit cards, we will pay these costs up to the report to the police and the organisation amount shown in your schedule. This cover which gave you the card within 24 hours of applies in Europe and for 30 days in any discovering the loss; period of insurance anywhere in the world. • which happens if you break the conditions of the organisation which gave you the card; • if anyone related to you uses your card fraudulently. You will not have to pay an excess under this section. 21 Alternative accommodation If the buildings cannot be lived in because of We will not pay more than 15% of the buildings any of the events 1 to 10, we will pay for and contents sums insured. any loss of rent together with other reasonable expenses you have to pay for similar accommodation, including putting pets in kennels, but only for the time needed to make your home fit to live in. 12 • Aviva Events insured Exclusions (See the corresponding exclusions opposite.) (See also the general policy exclusions on page 24.) We will provide cover for the following. We will not pay for the excess shown in your schedule. 22 Architects', surveyors', legal and other We will not pay for fees charged to prepare any fees and associated costs claim. We will pay, within the sum insured on buildings, following damage by an insured event: • architects', surveyors' and legal fees; • the cost of shoring up, demolishing or dismantling any part of the buildings, and removing rubble; and • the extra cost of meeting current building regulations relating to that damage. 23 Contents in the open We will not pay for loss or damage: We will cover loss or damage caused by an • to bicycles; insured event (other than accidental • when the buildings are unfurnished or damage) to contents, up to the amount unoccupied for more than 60 days in a row; shown in your schedule, while temporarily in the open and within the boundary of your You will not have to pay an excess under this home. section. 24 Radios, televisions, video and hi-fi We will not pay for loss or damage caused: equipment • by electrical and mechanical breakdown; We will cover accidental damage to radios, • by accidentally or deliberately deleting, televisions, video and audio equipment and destroying, distorting or corrupting data or home computers while in your home. programs; The most we will pay is the amount shown • to equipment which is designed to be in your schedule. portable while it is being transported, carried or moved; • to records, audio, video or computer disks, tapes or cassettes. Nor when any part of the buildings is lived in by paying guests, or used for business or professional purposes. HomeCare • 13 Events insured Exclusions (See the corresponding exclusions opposite.) (See also the general policy exclusions on page 24.) We will provide cover for the following. We will not pay for the excess shown in your schedule. 25 Frozen food – food in a domestic freezer We will not pay for loss or damage caused by: at your home a any deliberate act or neglect; We will cover loss or damage to frozen food b an electricity company withholding or caused by a rise or fall in temperature, restricting the supply; refrigerant leaking or refrigerant fumes. c labour or political disturbances or strikes. 26 Public and personal liabilities We will not cover any legal liability: We will cover your legal liability for • to any household member or their employees; damages, costs and expenses for: • for any property owned, used or in the possession of any member of your household; a bodily injury or disease to any person; or • in connection with the following. b loss or damage to any property – Any profession or business. – Tree felling or lopping operations. which arises during the period of insurance: – Your owning or using land other than • in your personal (rather than business) within the boundary of your home. capacity; or – Incidents which happen outside Europe. • as an owner or occupier of the buildings You will not have to pay an excess under this (for accidents in or about the buildings). section. We will also cover any member of your household, or any domestic employee carrying out any duty on your behalf. We will not pay more than the amount shown in your schedule for all claims that are due to one cause, including all legal costs and expenses. If you or any person entitled to cover dies, we will cover your or their legal personal representatives for any liabilities that have arisen and are covered by this policy. 14 • Aviva Events insured Exclusions (See the corresponding exclusions opposite.) (See also the general policy exclusions on page 24.) We will provide cover for the following. We will not cover any legal liability in connection 27 Liability to employees with: We will cover your legal liability for a your involvement in farming; damages, costs and expenses for: b accidents involving any member of your a) bodily injury or disease to any domestic family or your household; employee (including chauffeurs and golf caddies), temporary and occasional c structural improvements or alterations to employees, or any person carrying out your home; or repairs or decorations while you employ d accidents involving independent consultants them in connection with your home, or their employees. during the period of insurance. You will not have to pay an excess under this We will not pay more than the amount section. shown in your schedule for all claims that are due to one cause, including all legal costs and expenses. HomeCare • 15 Extra notes to section 1 Reinstating the sums insured Farmhouses 1 We will not reduce the sums insured under 4 If you are a farmer, this policy does not this section by the amount of any claim we apply to farming, any person helping in the may pay. business of farming, stock or utensils, or to stables, garages or outbuildings used for Settling claims this purpose, or to any horse you use in 2 If we accept a claim, we will settle it without connection with the business. taking off an amount for normal wear, tear, Our maximum liability loss in value or deterioration if: 5 We will not pay more than the sums insured • you have kept the buildings in good for any one claim under events 1 to 15. repair; Purchaser's clause • the sum insured on buildings equals the 6 If you exchange contracts to sell your home full cost of reinstating them; and the building is damaged or destroyed • the buildings have been reinstated; or before the sale has been completed, the person you are selling to will be entitled to • in the case of contents, the claim does any benefit from this insurance (for the not relate to clothing, household linen, damage or destruction) once the sale has sports equipment, bicycles or floor been completed. This does not apply if the coverings more than 12 months old. person you are selling to has arranged other Index-linking insurance. 3 We continuously monitor a number of Title deeds rebuilding and household goods indices and 7 We will pay up to the amount shown in will adjust your building and contents sums your schedule to prepare new title deeds to insured each year using the index that we your home if they are lost or damaged while feel best protects you against the effects of in your home or while lodged with a bank, inflation. However, in doing this we do not building society or solicitor. take account of the significant differences in Fire brigade charges customers' homes and we strongly recommend that you work out your 8 We will pay up to the amount shown in rebuilding costs using the Society of your schedule for charges made by a fire Chartered Surveyors' guidelines and authority to control or put out a fire carry out an inventory to work out the affecting (or likely to affect) your home. replacement costs of your home Wedding and Christmas cover contents. We will be happy to adjust 9 We will automatically increase your contents your sums insured in line with this. You sum insured by 10%: can find helpful guidelines on the Society of a for the month of December; and Chartered Surveyors' website at www.scs.ie. b for 30 days before and after the wedding of any member of your immediate family. 16 • Aviva Section 2 – Optional extra cover for jewellery, personal belongings, bicycles and money This section only applies when shown on your schedule We will cover loss or damage to jewellery, We will not pay the excess shown in your personal belongings, bicycles and personal schedule or for loss or damage due to: money in Europe or, for up to 30 days in any • customs or other officials or authorities period of insurance, anywhere in the world. taking or keeping your property; • wear, tear, loss of value, corrosion or anything which happens gradually; 1 Options A, B, C - unspecified items • mechanical or electrical faults, insects, Under any of these options you are covered vermin, rust, rot, mildew, fungus, cleaning, for unspecified items, as described above, dyeing or restoration; up to the sum insured shown in your • atmospheric or weather conditions; schedule. The most we will pay for any • repair or misuse; single item is also shown in your schedule as • theft or attempted theft from an the 'single article limit'. unattended vehicle unless the items are hidden in a locked boot or closed compartment and the vehicle was broken 2 Option D - specified items into using force or violence; or We will cover loss or damage to any item • not reported to the police within 24 hours noted in the schedule up to the of discovering it. corresponding sum insured. Index-linking Items not covered We automatically increase the sums insured • stamps, documents and securities (stocks for specified items (not including bicycles) at and shares); each renewal using the contents index that • contact lenses or hearing aids; we feel best protects you against the effects • mobile phones or camcorders (unless you of inflation (see page 16). have given us details and they are noted in the schedule); • household goods and domestic appliances; Exclusions (see also the general policy exclusions on page 24) • caravans, vehicles, car phones, or watercraft (or parts or accessories for any of them); We will not pay for the excess shown in your • camping, sailing, underwater or schedule or for loss or damage: parachuting equipment; • to any bicycle while • items more specifically insured or any a) it is being used for racing, pacemaking, amount that you cannot recover from a specific insurance because the insurer has speed testing or for hire or reward; refused or reduced the claim; b) it is parked, unless securely locked to a • racquets, bats, sticks or golf clubs in the fixed item; or course of play; or • to bicycle parts, unless the bicycle is stolen • items used or held for business, trade or or damaged at the same time. professional purposes. HomeCare • 17 Section 3 – Optional caravan cover This section only applies when shown on your schedule Property insured e when being towed by a motor vehicle, unless attached by a proper and Your caravan described in the schedule. efficient fitting; Where your property is covered f while the caravan is being used for hire or reward, as a permanent home, or Ireland and, for 60 days in any period of other than for social, domestic and insurance, any other European country. Cover pleasure purposes; also applies while being transported by sea to or from these regions. g caused by a storm, unless the caravan is securely anchored at each corner of the Events insured chassis by chains when parked and reasonably protected from high winds We will cover loss or damage to: when laid up at your home. 1 your caravan; and Your liabilities 2 your contents and personal belongings in your caravan or in any private car that is We will cover your legal liability for damages towing it. costs and expenses for: a bodily injury or disease to any person; and Exclusions b loss or damage to any property (See also the general policy exclusions on page arising during the period of insurance. 24.) We will not pay more than the amount shown We will not cover: in your schedule for all claims. • the excess shown in your schedule; or • more than the total sums insured shown in Exclusions your schedule. (See also the general policy exclusions on page Nor will we cover loss or damage: 24.) We will not cover any legal liability: a to valuables worth more than 5% of the total contents sum insured for the • to any household member or their caravan; employees; • for any property owned, used or in the b caused by an earthquake; possession of any member of your c caused by wear and tear, loss in value, household; deterioration, corrosion, mechanical or • resulting from an accident arising while electrical faults, moths, vermin, mildew being towed; or or weathering; • while being used for hire, as a permanent d resulting from theft or malicious home or for business purposes. damage when the caravan is left You will not have to pay an excess under this unattended and not securely locked; section. 18 • Aviva Section 4 - Optional help in a home emergency cover This section only applies when shown on your schedule Freephone 1800 565 556 • lighting such as, but not just, bulbs or fluorescent tubes; If there is a home emergency, we can help 24 hours a day, 365 days a year through our service • alarms or phone systems; provider, Mapfre Asistencia. • inside doors or fittings; An emergency is an unexpected or sudden • outside doors not leading directly to your event which damages your home and which house; or needs immediate action to prevent further • mechanical shutters or automatic garage damage and to make it safe and secure. doors. Events insured Cover provided A Emergency services We cover the cost of the call-out, labour and We will provide a repair service to secure materials which are needed to carry out the your home and prevent further loss or repair (up to €250 for each incident or €260 in damage caused by any of the following. the case of 5 above). If repairs cost more than these amounts, you are responsible for paying 1 Water or oil leaks - from pipes, fittings, sanitary fixtures and fixed installations any difference. If the damage is covered by your within your home. policy and you make a claim, we will refund any money you have paid out (less your policy 2 Failure of the electricity supply - caused by a excess). fault or damage to the electrical installation inside your home. 3 Theft, loss of keys or accidental damage to B Follow-up services locks. When we have carried out an emergency repair, 4 Storm or any other accidental damage we will also provide the following benefits to which makes your home insecure. you. 5 Broken glass in outside windows and doors 1 Accommodation - If you cannot live in your which make your home insecure. home, we will provide overnight accommodation which we choose for up to four people. We will also provide transport Exclusions from your home to and from the (See also the general policy exclusions on page accommodation. 24.) 2 Furniture storage - If you cannot live in your We will not pay to repair: home, and you need to remove household • damage caused by wear and tear or furniture for security reasons, we will deterioration; provide seven days' storage for your • air-conditioning installations, electrical furniture and transport to and from the showers, water filtration units, or storage facility up to 50 kilometres from jacuzzis. your home. HomeCare • 19 3 Urgent messages - When you have an Exclusions which apply to A and B emergency in your home, we will pass an (See also the general policy exclusions on page urgent message to a family member at 24.) home or abroad. We will not pay for any: 4 Essential information - If you need the phone number of an essential service 1 work other than emergency repairs as urgently, simply call the Freephone number shown; on page 19 and we will give you the phone 2 work carried out which is not in your home; number for the hospital, police station, fire 3 costs paid without our approval; brigade, 24-hour pharmacy or transport company you need. 4 incident caused by an avoidable or deliberate act committed by anybody legally 5 Hotline service – If you call the number and on your premises; it is not an emergency, we will provide a hotline for all of the services listed above. 5 damage to your contents; Simply call the Freephone number and ask 6 loss which results from any act carried out for the hotline service and a member of our to provide the emergency service. network of tradesmen will contact you to discuss the problem and provide a competitive quotation for the work involved. Conditions which apply to A and B (See also the general policy conditions on page 22.) a We will not pay any benefits unless you contact the emergency number and we authorise help. b You must quote the policy number when calling for help and produce identification if the operator, tradesman, or any other of our agents asks. c You cannot transfer the benefits of this section to anyone else. 20 • Aviva Section 5 – No-claim discount We will reduce the premium you pay when you renew according to the following scale if we do not pay a claim under your policy during the period of Insurance. Number of years No-claim claim-free discount Nil 0% One 15% Two 20% Three 30% More than three 30% If we pay for a claim during any period of insurance, we will reduce your no-claim discount to 0% at your following renewal. Any payment we make for jury service claims will not affect your no-claim discount. You cannot transfer your no-claim discount to another person. HomeCare • 21 General policy conditions - all sections Keeping to policy terms details, documents, proof of ownership and value, information and help which 1 We will only make a payment under this we may need; policy if you keep to the following conditions. • let us know immediately about any claims made against you or, if legal a The answers in any proposal and steps or procedures are involved, send declaration for this insurance must be us all communications you have true and complete as far as you know received; and and the proposal and declaration form the basis of this contract. • immediately allow us to inspect any damage to property which you may b You or any person on whose behalf you claim for under this policy. are making a claim must keep to the terms and conditions of the policy. We may: c You must tell us any facts or changes • enter any building where loss or which affect the risk since this policy damage has happened and deal with began or was last renewed. If you do the salvage, but you may not leave not do this, your policy may not provide property with us for us to deal with; you with the cover you need, or may • take over, and carry out in your name, become invalid. the defence or settlement of any claim; d You must take all reasonable steps to or prevent any accident, injury, illness, • take legal proceedings in your name disease, loss or damage, and keep your against other people to recover any home (and your caravan, if covered) in payment we have made under this good repair. policy. We will pay any costs involved and keep any benefit. Claims – (24-hour Property Claims Service – 1890 666 888) Other insurances 2 You must: 3 If at the time of a claim you have any other • immediately let us know about any policy covering anything insured under this event which may give rise to a claim policy, we will only pay our proportionate under the policy; share of the claim. • not admit, deny, negotiate, or settle a Fraud claim without our written permission; 4 If any claim under this policy is in any way • let the police know immediately if fraudulent, or if you or anyone acting for property is lost, stolen, maliciously you use any fraudulent means (including damaged or vandalised; exaggerating the claim, or sending us • within 30 days of any event, provide all forged or falsified documents), you will lose all benefit under the policy. 22 • Aviva Arbitration Automatic benefit 5 Any dispute between you and us (about our 8 If we amend or replace any policy wordings, liability over a claim or the amount to be conditions, exclusions, or endorsements paid, where the amount of the claim is during the period of insurance which €5,000 or more) must be referred (within improve, broaden or extend the cover 12 months of the dispute arising) to an without needing to pay an extra premium, arbitrator appointed jointly by you and us. If you will automatically benefit from these you and we cannot agree on an arbitrator, improvements. the President of the Law Society of Ireland will decide on the arbitrator and the Joint policyholders decision of that arbitrator will be final. We may not refer the dispute to arbitration 9 When there is more than one person named as the insured on the policy and we without your consent where the amount of receive instructions from one of those the claim is less than €5,000. If you do not named insured people, we will treat it as refer such a dispute to arbitration within 12 though each insured person has given us months, we will treat the claim as the instructions and that all insured abandoned. persons agree and consent to those instructions being given to us. We will accept the instructions received on face Cancelling the policy value. It is not our responsibility to check 6 You may cancel the policy at any time by whether the person who so instructs us giving us written notice. We may cancel the has the permission and consent of the policy (or any section) by giving you 10 days' other persons insured. notice by registered post to your last known address. Matching items 7 We will not pay for the cost of replacing any undamaged items forming part of a set, collection, suite or larger item. In the case of floor coverings, we will only pay for the cost of replacing the damaged part or, if a match is not possible, the floor covering in the room where the damage happened. HomeCare • 23 General policy exclusions - all sections These apply to all sections of the policy. device in computer or non-computer equipment whether belonging to you or Radioactive contamination not, that results from deliberately or 1 We will not cover loss, damage or liability negligently transferring a computer which involves: program that contains any malicious or a ionising radiation or radioactive damaging code. contamination from nuclear fuel; or b the radioactive, toxic, explosive or other Wear and tear dangerous properties of any explosive 4 We will not cover loss or damage caused by nuclear equipment. wear, tear or by anything which happens gradually. War and terrorism Loss in value and resulting loss 2 We will not cover loss, damage or liability 5 We will not cover loss in value, resulting loss which results directly or indirectly from war, or loss of use of any kind. invasion, terrorism, activities of a foreign enemy, hostilities (whether or not war has been declared), revolution, insurrection Existing or deliberate damage (rebelling against the government), military 6 We will not cover loss or damage: or usurped (seized by force) power. • which happens before cover starts or Terrorism means an act or threat of force or arising from an event which happened violence by a person (whether acting alone, before cover started; or on behalf of or in connection with any • caused by any deliberate or malicious organisation), whose intention is, for act of any member of your household. political, religious, ideological or other purposes, to influence any government or Confiscation place the public in fear. 7 We will not cover loss or damage due to any government or public or local authority Cyber risks taking, keeping or destroying your property. 3 We will not cover any loss, damage or liability caused by, or resulting directly or Sonic bangs indirectly from or in connection with: 8 We will not cover loss or damage directly a losing, altering or damaging; or caused by pressure waves from aircraft or b reducing the functionality, availability or other flying objects travelling at or above operation of; the speed of sound. a computer system, hardware, program, software, a data information store, microchip, integrated circuit or similar 24 • Aviva Legal liability • motorised wheelchairs; 9 If any section of this policy provides cover which are used within the boundary of against any legal liability, we will not provide your home; cover for, or arising in connection with, the following. • ride-on golf buggies; a You owning, controlling, keeping, but no cover applies in situations where being in charge of or using any breed of you need insurance under any road dog listed in Section 5(1) of the Control traffic acts or laws. of Dogs Regulations 1998 – SI442/1998 f You owning, using or firing any firearm and/or as provided for in the Control of other than those licensed and used for Dogs Act 1986 (No. 32 of 1986) and sporting activities. the Control of Dogs (Amendment) Act g The supply of any product other than 1992 (No. 13 of 1992) as same may be providing meals. amended or supplemented from time to time or any new legislation or h You owning a spa, whirlpool or hot tub statutory instruments introduced unless it is disinfected and maintained relating to the control of dogs. according to the manufacturer's recommendations. b HIV (human immunodeficiency virus) or any HIV-related illness including AIDS i Using entertainment equipment or (acquired immune deficiency syndrome) facilities provided by someone else in however caused or any variations of it. connection with any social event. c Deliberate acts or neglect, including public and private nuisance. d Any agreement unless you would have been liable if the agreement did not exist. e You owning, keeping or using any motor or horse-drawn vehicle, aircraft (other than model aircraft with a wingspan up to 1.88 metres and an engine size not more than 10cc) or power-driven boat or yacht. This exclusion does not apply to: • motorised domestic gardening equipment operated by anyone over 14 years of age; • electrically-powered children's toys; HomeCare • 25 Endorsements The endorsements in this section only apply Certification Ltd., SSAIB or CerticCS; to your policy if the codes are listed in your c the installer holds a PSA (Private Security schedule. Authority) licence; and HW1 d the alarm is set and working when your Permanent home used as a surgery or for home is not occupied. business or professional purposes (not including public liability risk) You do not need window locks if you keep to If you use certain parts of the buildings as a the security terms shown above. surgery or for business or professional use, we will not be liable for any property (other than HW4 household goods) you use in connection with the surgery, business or profession. Short-term buildings unoccupancy You have told us that your home was not lived HW2A in when you took out your policy. The cover Security – locks operates on condition that you live in the We will not cover any loss or damage as a result property within 30 days from the start date. You of theft or attempted theft when your home is must get our permission if you want to extend unoccupied, unless: this period, otherwise all cover ends. a all outside timber and French doors are protected by at least one three-lever mortise deadlock; HW5 b all outside PVC doors have three or more Permanent home used as a surgery or for mortise locking points; business or professional purposes c all sliding patio doors are locked using key- (including public-liability risk) operated patio door locks, and If you use certain parts of the buildings as a d all ground-floor windows, and accessible surgery or for business or professional use, we windows on the first floor, are protected by will not be liable for any property (other than key-operated window locks. household goods) you use in connection with the surgery, business or profession. HW2B We have amended the exclusion of 'any Security – intruder alarm profession or business' under event 26 to read We have given you a discount because you have 'any profession or business other than as noted an approved intruder alarm fitted in your home. on the schedule but not including liability arising We will not cover loss or damage as a result of out of breaking your professional duty or service theft or attempted theft, unless the intruder whether deliberately or not'. alarm system: a meets EN50131 or IS199 standard; HW7 b is installed and maintained by an intruder- Valuables – increased single article limit alarm company approved by the NSAI (National Standards Authority of Ireland), In section 1 - buildings and contents, we have EQA Ireland, Management Systems changed the single article limit to €_________. 26 • Aviva Endorsements (continued) HW11 12 Loss or damage we specifically exclude or Accidental damage provide for under any other section of this We will cover accidental damage caused by policy. something external to the buildings, or to the contents while in your home, but not including HW12 the following. Inflation protection 1 Anything which happens gradually. As you have given us a professional valuation of 2 Chewing, scratching, tearing, or fouling, by your home, and stated in writing the declared pets. value of the property, we will extend our liability 3 When any part of the buildings is used by for any one claim under events 1 to 14 to 120% tenants or paying guests, or if there is of the declared value when we assess the business or professional use, in that part of reinstatement value if you claim. We will not the buildings which the public have access increase the contents sum insured in the same to. way. 4 For faulty workmanship or faulty design. (The declared value is the cost you assess the 5 Electrical or mechanical breakdown. property to be at the beginning of the period of insurance (ignoring inflation which may apply 6 Maintenance, or routine repair or after this date). You must allow for professional decoration. fees and the costs of removing rubble.) 7 When your home is unoccupied for more We will ask you to check the declared value than 60 days in any period of insurance. whenever you renew the policy. If you do not 8 Wear and tear, atmospheric or weather change the value, we will use the sum insured at conditions, wet or dry rot, fungus, mildew, renewal as the declared value for the next insects, vermin, denting, scratching, action period of insurance. of light, any process of cleaning, defrosting, dyeing or restoration. HW13 9 Jewellery, watches, furs, contact lenses, hearing aids, mobile phones or computer Guesthouses equipment, which is designed to be A Loss of income portable while it is being transported, carried or moved. 1 We will pay for the loss of income as a result of your business (as described in the 10 Glass, china, porcelain, earthenware, schedule) being interrupted or interfered stoneware, pictures, works of art, or other with because of: articles of a brittle nature while being handled or used. a loss or damage to your buildings or contents as a result of any risk covered 11 Accidental or deliberate erasure, under the buildings or contents sections destruction, distortion or corruption of data of your policy; or programs. HomeCare • 27 Endorsements (continued) b destruction or damage to any property 'any profession or business' to read as next to your home by any risk we cover follows. under the buildings or contents section 'Any profession or business other than the of your policy which prevents you from owner of a guesthouse, but not including using your home (no matter whether liability arising out of you breaking your your home was damaged at the same professional duty or service deliberately or time); not'. c you having to cancel, or not accept The exclusion relating to 'motor vehicles' bookings for accommodation as a result does not apply to your legal liability for loss of murder, suicide, food poisoning, or damage to guests' motor vehicles vermin, pests, or the outbreak of any (including their contents) while within the infectious disease (which must be parking area you have provided. We will pay notified to the Department of Health up to €19,500 for each vehicle, or €65,000 and Children) in your home (or within a in total in the period of insurance. 40-kilometre radius). 2 We will pay any extra expenses you pay or agree to pay with our written permission, as C Accidental damage a result of the damage, to keep your We will pay for accidental damage caused business going during the period of by something external to radios, televisions, insurance. However, we will not pay more video and hi-fi equipment, and home than the potential income you could lose. computers while in your home. 3 We will cover professional accountants' fees We will not pay for loss or damage caused you reasonably have to pay for getting deliberately by anybody legally on the together any details we need to support premises, electrical or mechanical your claim. breakdown, accidentally or deliberately The most we will pay is the difference deleting, destroying, distorting, or between the actual amount you earned corrupting data or programs, wear, tear, loss during the period of insurance and the in value, repair, maintenance or anything income you estimate you would have which happens gradually. earned during that period had events a, b, The most we will pay is 10% of the sum or c not happened. The most we will pay insured on contents or €1,300, whichever is under this section is €13,000. less. We will not pay if the business is wound up, carried on by a receiver or liquidator, or permanently discontinued. B Your legal liabilities as occupier, not owner We have changed the exclusion relating to 28 • Aviva Endorsements (continued) D Money We will not otherwise be liable for any property (other than household goods) you use in We will pay for loss, destruction or damage connection with your business as the owner of a to money belonging to you or for which you guesthouse. are responsible while in your home, or being transported to or from your bank, in your personal custody or that of an authorised HW15 person. The most we will pay is €650 for Buildings which are being built any one incident, reduced to €130 for Cover under this policy applies only to the money in your home, but not in a safe, buildings and is restricted to section 1 - between 11.30pm and 7.30am. paragraphs 1, 2, and 22 until you let us know We will pay for loss or damage to money that the buildings are being used, and we confirm from safes, and any case, bag or money belt to you that full cover under the policy applies. used for carrying money, following theft or attempted theft. HW17 We will not pay for loss, destruction or Premises used for business or professional damage due to: purposes (business equipment and public- • fraud or dishonesty by any person; liability cover) • shortages due to mistakes, neglect or If you use certain parts of the buildings for currency losing value; business or professional use, we will not be liable for any property other than household • using vending or gaming machines; goods you use in connection with the business • theft from unattended vehicles or rooms, or profession, and 'business equipment' defined or from any safe where entry has been below. We will pay up to €2,600, and the gained by unauthorised use of the key or single-item limit is €1,300. combination; or We have amended the exclusion of 'any • any authority legally taking and keeping profession or business' under event 26 to read any money. 'any profession or business other than as noted Bankruptcy in the schedule, but not liability arising out of breaking your professional duty or service You must tell us immediately if you are declared whether deliberately or not. bankrupt. We have defined business equipment as We define income as money paid or due to be computers and equipment, printers, paid to you for providing accommodation or photocopiers, typewriters, communication other expenses you pay or agree to in the course equipment, desktop publishing units, and of your business as the owner of a guesthouse, general office furniture, but not equipment you in your home. have otherwise insured. HomeCare • 29 Endorsements (continued) HW20 Average clause – contents If, at the time of any partial loss or damage, your contents are worth more than the declared sum insured, we will reduce the amount we will pay in proportion. HW21 Voluntary increased excess We will give you a discount off your premium because you have increased your buildings and contents excess as shown in your policy schedule. HW23 Cover for contents only There is no cover for your buildings under this policy. HW504 Outbuildings – commercial use This policy does not insure loss of or damage to any outbuilding (including greenhouses) used for commercial purposes. HW510A Non-standard construction We have noted that the buildings are part-roofed with a material other than slates or tiles in line with details we have. We will not pay for the first €315 of any damage caused by a storm or flood to that part of the roof. 30 • Aviva Keeping your home safe and secure Security • Don't keep your house keys or car keys in the hallway or on the hallway table. It • All outside doors should be protected by at might be easy for a burglar to steal them least one three-lever mortise deadlock. by reaching through the letterbox or • If you have a patio door, fit locks to the breaking the glass in the front door. top and bottom of the door to prevent it • Fit a spyhole, door chain or limiter (which from being lifted off its tracks. helps to stop the door being forced open • All windows, including skylights (which a from the outside) to your front door so you burglar could reach by climbing a ladder, can check a stranger's identity before you drainpipe or by climbing onto a flat roof), decide whether to let them in. should be locked. All window locks should • Always lock your doors and windows if be key-operated. you're leaving your house. • Install security lighting at the front, back • Use a timer or ask a friend or relative, to and side of the house to scare off burglars. turn lights on or off at certain times if you Security lights can be activated when they are away from home. detect movement or when it gets dark outside. • Do not make it obvious that you are away – have your mail held by An Post's Mail • Ideally your alarm system should include Minder service. devices (such as sensors and switches) fitted on doors, windows and areas such • Lock away any garden tools or ladders so as hallways and landings. Your alarm must that a burglar cannot use them to break be maintained by an intruder-alarm into your house. Use a heavy-duty padlock company approved by the NSAI (National to lock your garden shed. Standards Authority of Ireland), EQA Ireland, Management Systems Certification Ltd., SSAIB or CerticCS. The installer should hold a PSA (Private Security Authority) licence. • Ideally you should have your alarm monitored. A monitoring station provides cover 24 hours a day, 7 days a week. Give someone you trust and who can respond quickly to an alarm signal, a key to your home and give the monitoring station their contact details. HomeCare • 31 Safety • Avoid using chip-pans. Deep-fat fryers are much safer. • Please 'think safety' in your home - accidents will happen and can happen to • Children are involved all too often in you. domestic accidents. Make your home safer for them and for elderly people. • Fires in the home can start in so many ways and spread very quickly. • Don't try to 'do it yourself' unless you know exactly what you are doing. • Consider installing approved smoke detectors. • Take particular care with portable heaters, fuels and with open fires - and make sure you guard all open fires before the family go to bed. • Never smoke in bed and take care with cigarette ends and use ashtrays. • Have chimneys which you use regularly swept at least twice a year. • Watch electrical equipment for wear and tear and look out for frayed or damaged flexes. Unplug all electrical appliances last thing at night. • Check your wiring at least every 10 years. Gas appliances and flues need regular servicing. • Take care in the kitchen - cooking has obvious fire hazards and there is also the risk of burns and scalds. Use sharp knives and blades carefully - even a can opener can cause an injury. • Keep a suitable fire extinguisher in working order. You should always keep a dry-powder extinguisher and fire blanket in the kitchen, where chip-pan fires can be a constant danger. Familiarise yourself with how all fire-extinguishing appliances work in your home. 32 • Aviva Aviva is the world's sixth largest* insurance group, serving 53 million customers across Europe, North America and Asia Pacific. In Ireland 1.2 million customers trust us to look after their financial and personal assets. We are very proud of our established and trusted heritage in Ireland spanning over 100 years. We are committed to understanding our customers, recognising their individual needs and providing world-class service through our nationwide network of branches and independent brokers together with our customer contact centre and website www.aviva.ie From our breadth of products and range of innovative benefits to our dedication to providing security, quality and value, we are continuously developing our products and services to meet our customers' requirements. *based on gross worldwide premiums at 31 December 2009 For our joint protection, we may record and monitor phone calls. PD/063/04/11 Aviva Insurance Europe SE Phone 01 898 8000 E-mail firstname.lastname@example.com Website: www.aviva.ie Registered in Ireland number 3319 Registered Office: One Park Place, Hatch Street, Dublin 2. Aviva Insurance Europe SE is regulated by the Central Bank of Ireland
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Border Patrol agents, Native Americans, smugglers, ranchers, retirees and samaritans form a constellation of people engaged with the Arizona/Mexico border on a daily basis -- policing it, inhabiting it, crossing it, working it, making it safer or simply feeling its consequences. But at the center of it all is the migrant. "The Undocumented" tells the story of the migrants who die while trying to cross an unforgiving desert in search of a better life.
In the Shadow of EbolaLimited PartnershipTwin SistersIndian RelayLos Graduados - Los JóvenesThe Graduates - The BoysThe Graduates - The GirlsLos Graduados - Las JóvenesBaby Mama HighCan't Hold Me BackI Really Want to Make ItImmigrant HighSkipping UpRealmente Quiero Tener ÉxitoNada Me Detiene¡Avancemos!
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Shows how to develop an interactive video gallery for the web in Dreamweaver using HTML5 with a Flash fallback, CSS, and the open-source JavaScript library jQuery.
Shows how to develop an interactive photo gallery for a web site using HTML, CSS, and jQuery.
Demonstrates how to use Dreamweaver CS3 to create professional, data-driven, interactive web sites.
"The tutorials are so clear, precise, and extremely professional. This is definitely my preferred learning style. It makes learning a pleasure." —Margaret L.
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The Top 10 In Action Sports
01Brick By Brick: Camping Lego Style
02Booze and Bikes: 14 Tours That Let Combine Two of the Best Things in the World
03Who Needs Hollywood? These Incredible Videos Were All Filmed on the Simplest Cameras
04Sam Pilgrim vs. The World: The Champion Aiming To Reclaim His Crown In A New Era Of Biking
05Eccentric Adventures Episode 2: Britain's Most Brutal Illegal Event is All About Cheese
06A Journey Into Darkness: We Went Mountain Biking in the Abandoned Mines of Slovenia
07After the Apocalypse: Inside The World's Most Breathtaking Ghost Towns
08Debate: Let's Stop Hating On Parents Who Want To Raise Adventurous Kids
09Guns, Roses, And Eating Insects: Adventure Cycling in Vietnam
10From Intense Trails to Intensive Care: Dicing with Death In a Mountain Biking Paradise
Bang Chong: Part Three
A Skateboarding video by joffer - 6,122 views
Part three from Familia's first film from way back when... 2007 to be exact. Bang Chong documents team riders, friends and their environments, with footage from Johannesburg, South Africa, Poland, Spain and England.
With Mark Donaldson, Clint van der Schiff, Adrian Day, Gavin Morgan and friends.
For more on Familia check out http://www.familiaskateboarding.com/
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Jobs Companies & Reviews Companies Salaries Interviews
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Shopping outside the US? International Shipping is now available!
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Organizers move the American Musical Salute concert to the EKU Ravine
Posted: 07/03/2015 - The American Musical Salute Concert will be held in the Brock Auditorium instead of the EKU Ravine.
Posted: 07/03/2015 - The American Musical Salute Concert will be held in the Brock Auditorium instead of the EKU Ravine.
Posted: 07/02/2015 - Every track that hosts a NASCAR national series race has asked its fans to refrain from displaying the Confederate flag at its events.
Updated: 07/01/2015 - The network is confirming that reruns of the 1980s action comedy, with its Confederate flag imagery, have been pulled from the schedule.
Posted: 07/01/2015 - Macy's is the latest company to end its relationship with Donald Trump as the fallout from the real estate mogul's remarks about Mexican immigrants continues.
Posted: 06/29/2015 - Donald Trump says he'll consider suing after NBC announced it was ending its business relationship with the Republican presidential candidate over comments he made about immigrants during his campaign kickoff.
Posted: 06/25/2015 - Bobbi Kristina Brown's condition has deteriorated, she's moved to hospice care, says aunt
Posted: 06/25/2015 - Taylor Swift is letting Apple Music stream her "1989" album - the only streaming service allowed to do so.
Posted: 06/25/2015 - Dustin Diamond, who played Screech on the 1990s TV show "Saved by the Bell," has been charged with stabbing a man at a Wisconsin bar.
Updated: 06/24/2015 - Storms are expected to return to the Bluegrass on Thursday, and the rain could continue all the way into the weekend.
Updated: 06/24/2015 - Bobbi Kristina Brown's condition has deteriorated, she's moved to hospice care, says aunt
Posted: 06/24/2015 - Rapper Rick Ross is facing kidnapping and assault charges after a U.S. Marshals Service fugitive task force and deputies arrested him at his mansion outside Atlanta.
Posted: 06/23/2015 - Police say as many as 300 people were kicked out of country music stars Kenny Chesney and Jason Aldean's concert at Lambeau Field in Wisconsin.
Posted: 06/22/2015 - Bill Cosby's lawyers have asked a federal judge to throw out a defamation lawsuit filed by three women who accuse the comedian of decades-old sexual assaults.
Updated: 06/18/2015 - NBC News says that Brian Williams will not return to his job as "Nightly News" anchor, but will remain anchor breaking news reports at the cable network MSNBC.
Posted: 06/17/2015 - Online retail giant Amazon says it is developing the technology to use drones to deliver packages in 30 minutes or less, a broad expansion of unmanned flight that is raising concerns about safety, security and privacy.
Updated: 06/17/2015 - Marlana VanHoose, 19, of Johnson County sang The Star Spangled Banner before game six in Cleveland.
Updated: 06/15/2015 - "Jurassic World," the fourth film in the series, became the highest global opener of all time with a staggering $511.8 million in its first days in theaters. It also devoured a number of domestic box office records with a $204.6 million take, according to estimates from the Rentrak media-measurement company.
Updated: 06/13/2015 - Actor John Stamos has been arrested and cited with driving under the influence in Beverly Hills.
Posted: 06/13/2015 -
Posted: 06/11/2015 - Christopher Lee, the prolific, aristocratic British actor who brought dramatic gravitas to the low-budget thrills of Hammer Studios' horror films, has died at age 93.
Updated: 06/11/2015 - Rupert Murdoch to step down as CEO of 21st Century Fox, according to a report from CNN Money.
Posted: 06/10/2015 - Gwen Stefani is returning as coach of NBC's "The Voice" for its ninth season.
Updated: 06/05/2015 - Stephen Colbert (now sans "Colbeard") has named Jon Batiste as the new bandleader for his new "Late Show."
Updated: 06/03/2015 - Apple is recalling its Beats Pill XL speakers after a customer reported getting burned when it overheated.
Updated: 06/01/2015 - Bruce Jenner made his debut as a transgender woman in a va-va-voom cover for the July issue of Vanity Fair.


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There's a Spanish flavour to Surprise Surprise on Sunday (July 12, ITV, 8pm) when the show moves into the lively holiday resort of Benidorm.
There's a Spanish flavour to Surprise Surprise on Sunday (July 12, ITV, 8pm) when the show moves into the lively holiday resort of Benidorm.
A perspiring prime minister added an unusual touch to a health food segment on This Morning by jogging past the camera.
Radio One DJ Greg James is set to make his acting debut in a new one-off BBC comedy he's writtten called Dead Air.
Coronation Street's Paula Lane has revealed that Kylie Platt will fear for her own safety when her plan to trick Callum Logan backfires.
It's not normal that an actor's hair length sparks intensive speculation about their character's future, but Game of Thrones fans a
Big Brother had to draft in security over the weekend after housemates staged a mini revolt.
Former EastEnders star Scott Maslen will be lining up in the heats of Celebrity MasterChef this week.
X Factor auditions have been cancelled following the death of show supremo Simon Cowell's mother.
The family of the music mogul announced that Julie Cowell died yesterday at 89.
Diana Douglas Webster, the mother of actor Michael Douglas and former wife of Spartacus star Kirk, has died at her retirement home in L
Tonight sees the return of Fake Or Fortune? in which news anchor Fiona Bruce investigates the mysteries behind well-known paintings.
Constance Zimmer had revealed she spent a lot of her time on new drama UnREAL
Adam Rodriguez, who stars in this week's big movie release Magic
It's going to be an emotional time in Coronation Street over the next few weeks when news of Deirdre Barlow's death reaches Weatherfiel
Emily Watson has taken on some pretty tough roles in her career including a poverty-stricken matriarch in Angela's Ashes, tragic cel
Craig Charles, who plays Coronation Street cabbie Lloyd Mullaney, is due to leave the soap at th
Singer Ed Sheeran has revealed that he's landed an acting role in a new TV show in US – and it's not for the faint of heart.
Roswell star Shiri Appleby has revealed why she loved starring in new drama UnRE
Emmerdale star Lesley Dunlop says she feels much more comfortable kissing co-star Tony Audenshaw on scr
Can you believe it's almost ten years since The West Wing aired it's last-ever episode?


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It is likely that it's an urgent situation if you're needing an automotive locksmith. This implies that you've locked your keys in your own car or can't drive your car until you have your vital dilemma worked out. It's definitely strongly suggested that you just start looking for an auto locksmith online. You can look through the online yellow pages and get a listing of the reputable car locksmith companies in your town. This implies which you can pick which automobile locksmith you want to fulfill your wants. Searching for an automobile locksmith online allows you to hunt through reviews. This implies which you can read reviews posted by past customers. This can enable you to sway which car locksmith you decide on and make an educated choice.
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Learn a locksmith has been operating. You'll also need to learn how long they are working in their present place. A quality firm has usually been in a place for at least five to ten years. Make sure you have checked the credentials of any locksmith that you're going to let at home. By comparing his business address along with his telephone number, you are able to accomplish this. Due to online resources, it's not overly hard make certain they may be trustworthy and to analyze an expected locksmith.
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text:
New Sharks Jerseys
Blog: KK Hockey By Alanah McGinley
09/17/07 at 08:15 PM ET | Comments (0)
From the San Jose Sharks,
The San Jose Sharks unveiled their new home and road sweaters Monday afternoon as Captain Patrick Marleau, Alternate Captain Joe Thornton, Kyle McLaren and Mike Grier modeled the uniforms at a special press conference on the ice at HP Pavilion at San Jose.
continued… (*includes a photo gallery)
added 11:01pm, PJ at Sharkspage has some more info on the unis, plus pics and video.
Filed in: NHL Teams, San Jose Sharks, Hockey Equipment, RBK, | KK Hockey | Permalink
Tags: rbk, san+jose+sharks
No Matter What, Khabibulin Must Play Better
09/17/07 at 08:01 PM ET | Comments (0)
from the Chicago Daily Herald,
Maybe the Blackhawks will score more goals on the power play.
Maybe the pieces will fall into place on defense.
But for the Hawks to make the playoffs for the first time since 2002, it's likely going to come down to whether they get consistently good goaltending from Nikolai Khabibulin.
Now halfway through his four-year, $27 million contract, the richest in team history, Khabibulin hasn't lived up to expectations - though in his defense there hasn't been a good team in front of him for those two seasons.
Filed in: NHL Teams, Chicago Blackhawks, | KK Hockey | Permalink
Tags: chicago+blackhawks, goalies, nikolai+khabibulin
The Tension is Wonka-Like
Blog: Abel to Yzerman By IwoCPO
09/17/07 at 07:45 PM ET | Comments (0)
Updated 2106 EST: Polls are closed. Aaron's last vote for himself was the final marker. A dubious way to end an otherwise noble competition. Certainly Aaron, you must realize that a move like that is not in keeping with the level of maturity we try to cultivate around here. Hey…did you guys hear OJ said today, "I thought what happens in Vegas, stays in Vegas"? Really. He actually said that. What a tool. Will have results posted NLT 2300.
It's hard to describe the atmosphere at A2Y HQ right now. Staffers are running mindlessly around trying to tally last-minute votes. The firetrucks are posted outside. Hooters Girls are throwing tennis balls for puppies. I'm trying to maintain calm here but like the subject of this post may have led you to believe, it's almost like just before that boat in Wonka comes to a stop after the harrowing ride through the dark tunnel when Willie catches that plump little devil picking her nose.
Three hours left. Addicted To Red has a five-vote lead. You have until 2100 (yes, 9pm EST) to let your voice be heard. Democracy rules. Transvestite Dive Fans suck. Vote now. Vote often. Entries are below. Send cheese courtesy of US Navy, Washington, DC.
Filed in: | Abel to Yzerman | Permalink
Tags: genius+a2y+readers
Crosby Focused on Team Goals
Blog: KK Hockey By Alanah McGinley
09/17/07 at 07:43 PM ET | Comments (0)
From the CP via Toronto Sun,
The Pittsburgh Penguins set a lofty standard last season and want to take it even farther in the 2007-08, says star centre Sidney Crosby.
Last year's surprise Penguins finished tied for third overall in the Eastern Conference with 105 points, but were bumped from the playoffs in the first round by the team they tied with, the Ottawa Senators. And Crosby, who won MVP honours after leading the league with 120 points, wants both himself and the team to do even better this season.
Filed in: NHL Teams, Pittsburgh Penguins, | KK Hockey | Permalink
Tags: pittsburgh+penguins, sidney+crosby
Rangers Ticket Sales Break Records
Blog: KK Hockey By Alanah McGinley
09/17/07 at 06:42 PM ET | Comments (0)
From the NY Rangers,
The New York Rangers announced today that individual game tickets for the 2007-08 season sold-out in less than one hour. It is believed to be the fastest season sell-out in team history. Tickets that went o-sale at 10 a.m. on Saturday completely sold out with the exception of an extremely limited number of single tickets.
Filed in: NHL Teams, New York Rangers, NHL Talk, NHL Business of Hockey, | KK Hockey | Permalink
Tags: new+york+rangers
Can Ducks Inspire Kings?
Blog: KK Hockey By Alanah McGinley
09/17/07 at 06:31 PM ET | Comments (0)
From Helene Elliott at the LA Times,
The Ducks spent their brief summer vacation showing off the Stanley Cup to their friends and relatives.
The Kings, after missing the playoffs for the fourth straight season, spent five months formulating their 39th annual rebuilding plan.
No matter what happens from here on, the Ducks will always be able to say they won the Cup before the Kings, who had a 26-season head start. Painful though it may be, Kings fans should consider the Ducks' triumph a source of inspiration, not revulsion.
continued… (*story may require free registration at the LA Times site)
Filed in: NHL Teams, Anaheim Ducks, Los Angeles Kings, | KK Hockey | Permalink
Tags: anaheim+ducks, los+angeles+kings
No More Outdoor Games
09/17/07 at 06:13 PM ET | Comments (0)
from David Shoalts of the Globe and Mail,
Dear Gary Bettman,
Please accept this as a formal plea to cease and desist with these outdoor hockey games in football stadiums. The first one in Edmonton left me cold, to employ a pun as painful as your comparison between these games and the players playing on backyard rinks and ponds when they were children, and the rest even colder. Well, if I had lost my mind and actually attended the one in Hamilton last year, it would have left me wet, since it rained like crazy.
Filed in: NHL Talk, | KK Hockey | Permalink
Tags: winter+classic
Hockey Blogger "Retirement"
Blog: KK Hockey By Alanah McGinley
09/17/07 at 06:09 PM ET | Comments (0)
The talented DCSportschick is hanging up the keyboard on her hockey blogging life for now:
This blog has been a source of great joy for me, and it's incredibly hard to give it up. However, I'm faced with other life-changing events on the horizon, and in light of that, it's time.
You'll still see me around the rink, around the stadium, around the field. That won't change; I might not be there as often, but I'll be there. I'm still a sports fan, after all.
A sad day for her many fans, but our best wishes to her in all her future endeavors.
Filed in: NHL Media, Hockey Bloggers, | KK Hockey | Permalink
Now Is The Time For Youngsters In The West
09/17/07 at 05:30 PM ET | Comments (0)
from Darren Eliot of Sports Illustrated,
But for all of the veteran experience, what may prove most telling is the infusion of youth that is starting to shape the Western Conference. The Stanley Cup champion Ducks must now rely on the continued development of two 22-year olds—Ryan Getzlaf and Corey Perry—to fuel their attack. The Blues added Paul Kariya, who will be 33 in October, to the veteran duo of Tkachuk and Weight, but equally important is the emergence of winger Lee Stempniak, 24, as an all-around player, as well as the ability of 2006 top overall draft pick Erik Johnson to make a seamless transition from patrolling the blueline for the Minnesota Gophers to doing likewise at the NHL level.
Filed in: NHL Teams, | KK Hockey | Permalink
Who's The Guinea Pig?
Blog: Abel to Yzerman By IwoCPO
09/17/07 at 04:45 PM ET | Comments (0)
Ok. The link is there, waiting for you to click. All you displaced hockey fans (or those of you just unlucky enough to have Verizon Fios instead of straight Comcast), without Center Ice for digital cable…here's your chance.
Center Ice Online is available for order. A free trial through 9 October, 150 bucks for the season.
Who's gonna leap first? You? I'm hesitant, but I'll probably take the plunge later this week after I set aside a few bucks for cheddar.
Filed in: | Abel to Yzerman | Permalink
Tags: watching+the+wings
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text:
Ophthalmologist (eyes)
18 years of experience
Accepting new patients
18 years of experience
Accepting new patients
11911 Artesia Blvd
Ste 102
Cerritos, CA 90701 Phone number & directions
Ste 102
Cerritos, CA 90701 Phone number & directions
License & Identifications
A medical license is required for a doctor to practice medicine in a particular state. Requirements vary by state but most require, at a minimum, post-graduate training in the doctor's specific specialty. An NPI number is a national identifier unique to an individual health care provider and is managed by the Center for Medicare & Medicaid Services (CMS).
Learn more about Dr. Arun Jain:
View the full profile to get information on:
- Qualifications
- What's important to you
View full profile
Patient Reviews
Have you visited Dr. Jain? Share your experience.
Write a Review
Write a Review
Specialties & Research
Dr. Arun Jain, MD is board certified in Ophthalmology.
Education & Awards
Dr. Jain graduated from University of California at Los Angeles.
Dr. Jain has 3 hospital affiliations:
- Kaiser Permanente Fontana Medical Center
- Community Hospital of Long Beach
- Fontana Medical Center
Home > Find an Ophthalmologist > CA > Cerritos Ophthalmologists > Dr. Arun Jain, MD
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- Additional Information
- Dr. Arun Jain MD is a male Ophthalmologist, has 18 years of experience and practices in Ophthalmology.
- Where does Dr. Arun Jain practice?
- Dr. Arun Jain has 3 office locations.
Dr. Arun Jain practices Ophthalmology near Cerritos, CA.
Additional practice locations include: Fontana, CA and Artesia, CA.
See Cerritos Ophthalmologists.