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Cozumel Mayan Ruins Excursion Reviews
Two part tour; local Mayan ruins and then east coast beach. Mayan ruins was awesome; guide's name was Dante, he is Mayan descent, gave AWESOME education/talk on this, the ruins weren't spectacular but were worth going to; wish we had more time. Then we went to beach; the beach/swimming sucked; lots of crap, rock, et al, but the restaurant/bar was great, great booze and food, worth the price of admission. Did a little shopping at the end. Overall a really fun excursion.
We took the Mayan ruins tour on Cozumel. We took a bus to San Gervasio (Mayan ruins on Cozumel). It was better than advertized and very interesting. Then we toured much of the island, stopping at a scenic rock formation on a beach and at a small cocoa museum. The requests for tips at the end was not professional because was just an attempt to get more money out of us than we had already paid.
We went to the San Gervasio ruins and it was an interesting trip. Our guide seemed to have a pretty good grasp of the culture and what took place during the Mayan period. I noticed the other tour guides though took their groups up close to the ruins and pointed out the items of interest. Ours took us aside and told us to go over and look at the things after he was done - it didn't give us an opportunity to ask questions while we were looking at things.
We took the NCL Mayan Ruins tour to Tulume. The boat ride to the mainland is about 45 minutes and then another hour by bus. Enjoyable experience for a first timer. The ruins were amazing, The tour guides are very knowledgable. The HOWEVER is the actual tour time of the ruins is just short of an hour in order to have the group back to the dock by a designated time. We felt very rushed. The experience would be much more valuable with an additional hour. This seems to be a common issue.
Excellent guide, very nice lady and funny. We liked the visit to the ruins.
As for the island of Cozumel itself, NEVER again. Our tour took us to a so-called beautiful site ..... litter with all kind of garbage, from sandals, flip-flops, T-shirts, Styrofoam cups, plates, to name of few.
We could not shop quietly, we were harassed by shops impolite owners. One said an unpleasant comment in Spanish about us .... I speak Spanish, he might have learned a lesson ....
I had already been to the Tulum Mayan Ruins and decided to see Chichen Itza, despite its long travel time from the ship because it is one of the new Seven Wonders of the World.
Starting on-board the cruise ship very few directions are given about how you'll get to where you're going. It would be easy to get confused and lost so I've tried to give as much detail as possible.
You show your tickets on the ship to receive a sticker with your group number on it. In our case we were tour group 17. Other groups will be waiting to be called to leave the ship for various other excursions. Once your number is called, you make your way off the ship.
After exiting the ship, you re-board a smaller ferry boat to get to the main land. You'll be on this ship with people going on a variety of other tours. I am pretty resistant to sea sickness and felt okay during the ride, but there were lots of people puking during the 45 minute ride. There are restrooms on the ferry and staff distribute sick bags. If you are prone to motion sickness, take meds BEFORE you get on the ferry so they are working in time for the ride. Meds are for sale on the ship right before you leave for the excursion.
You then look for a person holding a sign with your tour name on it along the street. These signs did not specify "Royal Caribbean" so this is a place where some mix up could occur. You then walk a short distance through the town with your group before being asked for your ticket in order to board a motor coach for a two hours ride to the interior of the Yucatan where the ruins are located. Our guide didn't read the ticket to ensure people were on the right tour and one person did turn up to be in the wrong place, but realized it too late and had to stay with our group. For the ride you are given a brown paper bag with a snack of muffin, banana, chips, juice box. You are told that you will receive a bottle of water, bottle of pop and sandwich later. There are also places to buy drinks, and snacks at the site.
Before exiting the bus you are given a radio so you can hear your tour guide easily. I was glad I had my own earphones with me at this point. You have a chance to visit the restroom before the tour begins. Our tour guides were not impressive at all and spoke in monotone voices making exciting history sound boring. After touring briefly we were given free time to explore on your own. Read up on the site before arriving so that you have context. There are no interpretive signs at the site. You also are not allowed to climb any of the ruins including the well where people used to swim. Bring lots of drinking water (2 bottles each) because it is so hot. Some tour companies gave their groups umbrellas - we were envious because it is just so hot!
We were told if we were even one minute late getting back to the bus we would be left behind so we got back 10 minutes early. During summer months this site is very crowded (I was told) which makes it hard to see everything which is just something to keep in mind.
The transportation process is reversed on the return trip.
Despite some the heat, monotone tour guides, travel time, we would recommend the tour because of the historic value received.
Chitzen Itsa is simply not to be missed. It is an eceptionally long trip and only 1.5 hours of time at the site, but this is mac daddy of Mayan architecture. You are the first to leave the boat and the last to return, so don't plan on any other shoreside activities. It was $125.00, but in my eyes worth it.
While in Cozumel, we went on the Mayan Ruins/city tour, shopped, and ate at Panchos Backyard Restaurant. We started our day with the tour. We enjoyed learning about the culture and seeing the city and surrounding areas. Our tour guide was very knowledgeable about the Mayan culture, since he is a descendant of the Mayan heritage. The tour was okay but a bit lengthy.. A one time experience. While on the tour we visited the beach area. Loved the clear water and the scenic view.
When we returned to town, we met with Anna (our shopping expert) to purchase a ring for my husband. The staff at Diamonds International and Tanzanite International were very helpful, going out of their way for our perfect selection. We also did the jewelry treasure hunt and received many nice "freeby" gifts. We asked where to eat, and we were referred to a Mexican Restaurant (name was not given).
When we went to the restaurant, we realized we were at Pancho's. In 2008 we ate at Pancho's downtown. Our memories were very vivid of the staff and the xylophone players. Our servers were delighted to hear of our past experience and celebrated with us by giving us a round of drinks and joining in our fun. The food is excellent and very authentic. We will return to Pancho's the next time we visit Cozumel. Lasting impression with memories.
Easy for walking.
There is not adequate time to journey by bus and ferry to Chichen Itza. We were promised 2 and 1/2 hours and only had 1 hour and 20 minutes. Major disappointment.
Booked a shore excursion to Chechen Itza, 119 pp, leave at 7:45 am and be back at 4:21 pm, the cruise departed at 4:30 pm. And spent only 1 hour there. Most the time was spent on ferry and bus. The tourguide was selling crafts and books on bus. I would go snorkeling next time.
We visited the Coba Mayan ruins. The only downside was that it took almost two hours to get there and we had a flat on the tour bus on our way home. This cut into some of the shopping time. The Mayan ruins are a must for anyone who is interested in history. Hopefully you are lucky enough to get Lily as your guide. She is amazing.
Do not plan on doing this excursion if you cannot walk well or need help getting around. Maybe check into the Tulum visit as it might be a bit easier to get around.
A very long day. A 45 mins boat trip to the mainland, then a 3 hour coach trip to Chitchen Itza. We had a couple of hours at the Mayan ruins, a very nice lunch included, and then another 3 hour drive back to the ferry and another 45 min trip back to the ship. A good trip but a little long.
In Cozumel, Mexico - we went to see Mayan ruins and did an Island tour. Our tour guide was Nacho and he was really good. We stopped on a small beach and collected rocks. After our excursion, we went shopping. Out of the ports, I think the souvenir shopping near the port was cheapest here.
The only reason this is 5 star instead of 6 is the travel time. Its 1.5 hours each way to get there (45 minute ferry ride and then a 45 minute bus ride). Left no time to really shop anywhere. However, the ruins themselves are AMAZING, and our tour guide, Lily, was so passionate about the history and her country and people. She was a delight.
Great with great guide.Fabulous margaritas.
The excursion was great, our guide was very knowledgeable and I really like seeing the ruins and hearing about their history. A couple of us (there were 4 of us together) went for the longer walk -- it was only hard because it was SO hot! Glad I wore my walking tennis shoes, rocky areas to walk. (We almost burned our clothes when we returned!). We were rather put off by the stores at the terminal in the morning, though, the shop keepers practically grabbed us to come in!
Tulum Express. The excursion was excellent. The tour guide was great. The ferry picked up right by the cruise ship. Everyone should make it a point to visit the Mayan runes. The box lunch provided by RCI was terrible. It was tuna and crackers with water to drink.
We were so excited to see the ruins! Excursion included shopping, lunch and beach break. Don't know what happened but took us over 2 hours to get to ruins and they said because we were late we only had 15 minutes to see ruins. Which was all you really needed but was expecting a hour. Not a great as you would think but can say you saw it. Only had 15 minutes to shop. The beach and lunch ended up being the highlight of excursion. Great authentic Mexican food! Beach was beautiful with a nice small surf!
The Cozumel experience was different for we landed at another part of Cozumel. My son and I decided to go ashore and see what was offered. We booked a parasail experience with an independent operator since. But my son wanted to see the Mayan ruins so we asked to the RC excursion booking agent onshore to sign us up for the next bus, which he did. After an hour long drive we got to the ruins and our guide took us along many places and temple ruins. Of course these ruins were a lot smaller than others I have seen like Tulum and Costa Maya, but still since he had never seen ruins before he liked them. Our guide talked about the mathematical talents of the Mayan, but that did not interest me and a few others .I found out later that he did this because it was a 20 minute walk to one of the other main temples. After we visited the shops and I bought a throw blanket. Then we drove to a beach which had two large coral rock hills that our guide warned us to be careful not to go on as coral is sharp. Since I had walked Aruba coral I decided to ignore the warning and enjoyed some spectacular views of rock water cutouts and beautiful shorelines that reminded of me of the Pacific Coast highway 101 views in California.
It was really hot. While it was informative, i was ready to go back to the cruise after 1 hour. We did the adult tour for the mayan ruins. Our shuttle took us to the mayan ruins first, then to a tequila factory where we got to sample different types of tequila, and lastly visited a Discover Mexico museum site ( this was not worth it). Lunch was provided -- food was just okay. i rather stay on board and eat cruise food.
First we had to get to the mainland. Took a ferry about 25 minutes. We had a very good guide, Carlos. We stopped at a souvenir shop along the way. The facilities were clean. We walked around the ruins. It wasn't too hot or too humid as I was afraid it might be in May.
We book the Mayan ruins tour. We traveled on an air conditioned buss to the ruins site. Margarita was out tour guide. She was very friendly and knowledgeable about the Mayan culture and history. We toured the ruin site, after being bathed in insect repellant. After the rain, the mosquitos will carry you off if your not protected. After the tour, we were allowed a short time of shopping and reboarded the bus. We traveled to the opposite side of the island and stopped at a beautiful beach area. After a few minutes of shopping and photographing the sea, we left and were returned to the pier. The shopping at the Internation Pier was good with several shops near by.
We rented a jeep with a tour guide, maybe 6 jeeps total. Drove all around the island. It was very entertaining. Went to only one Mayan ruin village. The guides were very informative.
- Costa Maya - much nicer port area. Went on the Kohunlich Ruins tour. Well worth the 2 hour bus ride, and a very impressive set of ruins. Well run tour.
We took the shorter (4 hr.) Mayan ruins tour and really enjoyed the small group and great guide. He knows the historical significance, speaks English well, and he really showed us around the entire island. It was HOT! but umbrellas helped, and we stopped at a fabulous seaside-on-the-sand little snack stop and enjoyed the best ceviche and beers of the entire trip/cruise.
Cozumel as beautiful as it always is was a very fun and informative port. The beaches were clean, water impeccable and very knowledgeable tour guide. I will return to Cozumel and take the Scuba helmet diving excursion.
Cozumel was simply amazing. The folks were friendly and outgoing. We traveled via a very nice motor coach to the Tulum Ruins. This trip was very informative and scenic. I will revisit Cozumel again and plan on going diving in the coral reefs.
Our guide was a descendant of the Mayan people and taught us so much about the culture! One of the ruins was the house of the matchmaker and our guide told us about the Mayan marriage and divorce rituals. We also saw the ruins of a temple and we learned about the rituals surrounding birth. It was really interesting. At the end of the tour was a bar and gift shop, where we sampled different flavors of tequila and we could purchase margaritas. It was not a very long tour because it was coupled with a beach break, but it was just the right length to learn a few things.
In Cozumel, we got right on a ferry to PDC, and took a bus ride to the ruins at Tulum. THIS WAS AWESOME. Bus ride was informative, Carlos did a great job explaining their city and the ruins. We broke off from our group once inside, and explored on our own, but loved the entire day. We bought some amazing hand carved masks from the shop right by the taco stand. We also bought our son the cartouche necklace as a souvenir, which he loved. The margaritas at the taco stand are strong! But good. Bring lots of money on this one, as you'll want to buy the picture of you by the ruins, and book- great keepsake- lunch, and handmade items that were unique to this port. Back to Cozumel- it was somewhere that I wish we had more time to shop/explore but our excursion took up most of our day. Would still do again! I wish I would have sampled and purchased a lot more rum cake before getting back on the ship 8)
This was a short tour and not very exciting. There wasn't much to see.
A really interesting day, made all the more interesting by the commentary from our excellent guide whose name was Jesus.
The ruins were such a surprise. Tourists can get right up on top of the ruins - there are no 'keep off' signs as I was expecting.
The ruins were teeming with iguana's and these were also really interesting.
We stopped at a gorgeous beach for 90 minutes before returning to the ship. The water was a beautiful colour and the slope into the sea was gentle.
We booked the Mayan Ruin tour through the ship. Our guide, Juan, was really nice and informative. He was a Mayan descendant. He kept us entertained both directions and was excited to share his culture. Tulum is very very hot, make sure to wear sunscreen and bring a hat. The ruins were really beautiful and it was really cool to see iguanas roaming free everywhere throughout the park. They no longer allow anyone to climb on the ruins, so everything was seen at a distance only but still very cool.
The boat to go to Playa De Carmen was late leaving the dock. Got to Playa De Carmen and got on a bus. About 1/2 hour into the ride we stopped at a rest stop. The tour guide stated that the bathrooms at the ruins were not good so we were stopping here for better bathrooms. Turned out to be a tourist trap for 45 minutes. There was a gift shop there. The bathrooms weren't bad. Ultimately 13 buses all stopped there at the same time so it got quite crowded. When we finally got to the ruins, my husband checked out the bathrooms and it turned that they were not that bad.
The ruins were beautiful - they had actually changed since I was there in 2000. There were new pathways and green grass and more trees. Turned out they actually rebuilt some of the fallen ruins. There was a Mayan Market at the entrance to the ruins. Able to negotiate prices.
Very rushed when we got back to the dock to get on the cruise since everything was running late from the delayed departure.
When we spoke to the people on the cruise ship about our disappointment, they were not very accomodating to listen to us.
This is a long day and you should be in good shape to do it as it requires a lot of walking. There is a long ferry ride to and from the mainland.
This is a must-do for anyone who enjoys history! It was much cheaper to get a cab when we got there.
I went to Tulum while my husband and son swam with the dolphins.
Tulum was a great site and we didn't have enough time there and definitely worth seeing. Watch out for the vendors. I didn't bargain very well and realized later I paid way too much for the vanilla and a silver necklace. There seem to be American prices for everything. Tacos at Tulum for example were $8 but I'm certain the locals pay only a fraction of that.
Did the 7 hour excursion to Tulum. It takes a while to get out to the actual site and because the excursion doesn't provide water/snack/ meal, it's best that you bring some with you. We didn't break until well after noon and the sun was out in full force so if you have blood sugar issues or worry about dehydration, prepare yourself.
That said, the guide was excellent and clearly very passionate about her job. She thanked us for picking a cultural tour as she knows many who travel to the Caribbean are likely seeking other excursions which include the beach, snorkeling, drinking ...etc.
The ruins are protected so there is no climbing at this location. They are located along the coast so there are no bug issues [ as there may be at other sites ]. There is also a beach area access too.
Small stop at shop for use of the bathroom and picking up snacks or water along the way. It's actually a nice break since it does take a little while to get out there.
We had a great excursion in Cozumel. We took the excursion to the Mayan Ruins that are on Cozumel, not on the mainland. Our tour guide, Alen, was excellent. He not only shared the facts from historians, , but also the local legends passed down by "Grandpa". The ruins were interesting. After the ruins, we went to a local beach for about 30 minutes, just enough to get a feel for the "real Cozumel". We loved this tour.
Mayan Ruins in Tulum
We were tendered to shore in Cozumel then put on the fairy to the mainland. This is a very LONG tour and I would recommend you book thru the ship.
Pamela was our tour guide and all I can say is she made this experience 5 stars!! She took us to a clean bathroom and place to shop then on to the ruins. It is very hot on this tour..dress accordingly. There is a beach to go to but not really enough time to do this. Pamela our guided the tour from start to finish IF you want to stay with her. She has been a guide for 14 yrs so you learn so much and she shows you the important stuff without the stuff you can pass. She got us back to the ferry and we were the last boat so this tour is wise to book thru the ship so they will WAIT for you.This was our favorite excursion.
We booked a trip to Tulum, handled by Sun and Fun Tours (?). Unlike our Roatan snorkeling trip this was relatively well organized although there was a hickup with the ferry and we again had to wait for quite some time on the ship. Keep in mind that a LOT of people want to go on the tours to the Mayan ruins and since they are on the mainland of Mexico it takes quite some time to get there. We chose Tulum over Chichen Itza because the trip was considerably shorter and in hindsight it was a very good choice. We had a German tour guide which made it comfortable for us and after a short tour with her through the ruins we had plenty of time to swim at the small beach, further explore the ruins on our own and have lunch in the souvenir area. Careful if you want to pay in USD, you definitely will get ripped off. If you mind then better change a few USD to pesos and pay local prices. Since we had only a small lunch we could live with 10 pesos = 1 USD.
We were really happy to get to go to Tulum. It is an interesting place to visit and loved learning about the Mayans. The guide was passionate and knowledgeable. The downside is that Tulum is an awkward excursion from Cozumel, being about 90 minutes away. This leaves only about two hours to tour the ruins. Part of the commute was on a ferry boat that has to cross a channel that is not smooth sailing. Luckily no one on the ferry seemed to be prone to sea sickness.
The guide was very up front about the fact that he was steering us to eat and buy souvenirs at places that he trusted and did business with. Our meal at the place that he recommended in Tulum was good.
We took the long boat ride and bus trip to Talum. What a fantastic archaelogical site. Although it rained, we had a great time. Note, the boat ride from Cozamel to Playa Carmine is always rough. The ferrys are modern and handle the waives well. We've taken the ride twice now and have always seen people get sick so prepare for it. When you tour these sites keep in mind that there is no shade. Our family really enjoys seeing the ruins and trying to get a feel for these amazing societies. Just remember it's real and takes alot of walking and water stops. There is a great beach if you come prepared. Try the fish tacos at Mr. Chillys (i think it was called). Just remember the Myans don't play around with there salsa. It's really hot and really good. Another reason to bring lots of water. Our guide was the best ever. I wish I could recall her name. The bus also stops at a gift shop/bathroom break on the way to the site. Reasonably priced authentic gifts with no haggling. Next time we're in the area I think we'll check out Chankanaab National Park.
Excellent Tour guide. The local ruins are not as spectacular as some of the mainland Mexico sites, but are a worthwhile stop.
Even with the long ride out to the Ruins it was still a good attraction to visit. The tour guide ( you pay to have a guide or you can look around for free) was of Mayan decent and he really knew about his history. Enjoyed.
David the tour guide was awesome. The ruins were not quite as impressive as I had thought they might be but the overall experience was enjoyable and I would definitely recommend it.
Our tour guide Li Li was very nice, professional and very informative. She made the bus ride to and from the ruins in Tulum interesting. The bus driver was a good driver and we felt completely safe and in good hands. They got us to and from the ship in time for us to depart.
We took the Ancient Culture/Mayan Ruins & Island Sightseeing. It was on an air conditioned bus. The tour guides Alex and Silvia were excellent and well versed in the history of the Maya Ruins and Conzumel. I do recommend to take or buy mosquito repellent. There is a lot of mosquitos around the ruins and there is nothing they can do about it., But with mosquito repellent you should be ok.
I purchased a "Tour of Tulum with Beach Break" for Cozumel. The ferry to/from Playa del Carmen was not a problem. Once we arrived, however, we had to walk quite a few blocks to board our bus. Some of the older and less able-bodied people had a hard time with that, and it was unexpected. Our tour guides were friendly enough, but once we got to Tulum, things went bad. We were told that the guided tour would be about 30-45 minutes, and then we would have about 30 minutes of free time to walk around the site and take pictures. The tour guide named Patricio was terrible. We followed him to the site, and he had us stand in the shade just inside the gate, and he talked on and on about the Mayans in general. He pointed to nearby stones and talked about what used to be on that spot. He was sweating profusely, and while other tours were walking around the site, from building to building, we seemed rooted in our shady spot. We finally started walking, and he stopped again, and talked a long time, but didn't really say much about the buildings there at the site. Finally, someone mentioned that we needed to get back to the bus soon. He had talked the whole time, so we never got time to walk around and take pictures. Poor time management! He briskly led us past the major buildings, still didn't tell us ANYTHING about them, and continued walking, out of the park and back to the parking lot. Most of us were on the bus on time, but the tour guides and a few passengers remained in the gift shop another 20 minutes or so. We were late leaving, so we were late to our beach break. We had a decent buffet lunch, and some people spent about 30 minutes on the beach. Then, we got back on the bus. The bus driver couldn't maneuver the bus out of the parking lot into the narrow street. He went back and forth, trying different angles. About 25 minutes later, we finally got moving. We had to park the bus where we had boarded, so some people paid for pedi-cabs back to the ferry and the rest of us had to follow the tour guide, briskly walking the several blocks pack to the pier. We arrived back at the Grandeur an hour after it was supposed to leave, and had to endure the walk of shame, with other passengers jeering at us about being late and holding up the ship. Thank goodness it waited for us. What a lousy tour! I had to go home and google Tulum to find out what the major buildings there were. I complained and was given a 30% refund, but what a waste of my day in Cozumel that was.
We were told the ruins would be great, and they were nice enough. Maybe we had higher expectations of the site itself. The tour guide was informative and good, though ended the tour short and abruptly to our surprise without any lead up to it. What soured this experience first of all is when they cattled us through a photo session obviously meant to sell to families with children. As an two males on a honeymoon couple they basically stopped talking and smile (!) when they lined us up for a picture. Way to set the mood! Also, the driver promptly came up to each party and told us all to tip generously. As you probably can guess, we did *not* buy their ridiculous attempt to sell us a photo, and we tipped accordingly.
Ruins were very nice, the guide was informative and quite funny. Wish they would give a bit more time to explore the ruins on our own - felt a bit rushed. The guide also suggested we pick up souvenirs at the gift shops there on the ruins site, that the prices were better but they absolutely were not. Prices were at least double or more at the ruins compared to the shops at the port. Little disappointed that the guide helped us walk right into that tourist trap.
HOT but there's no changing the climate! :) we had a lovely time and our guide was helpful, informative, and had a lot of pictures, hands-on examples, and even showed us personal things like his wife's birth certificate that gave a truly unique look into the mayan culture.
We took the San Gervasio Ruins tour. requires some walking, but not strenuous. very impressed! great history if you're in to that sort of thing, don't know if it would be something kids would be interested in. some shopping at the ruins, people were very nice and not pushy at all.
Took a great tour with the tour guide telling us history of certain parts of cozumel as we drove by. would definitely recommend.
Our tour was fantastic!! This was the main reason for coming on this cruise-- after coming to Cancun or Cozumel many times we Finally got to see the ruins. They were beyond amazing--- most memorable thing of the whole trip.
Really enjoyed the trip to the Mayan Ruins. We toured Tulum. Don't miss the beach - the view of the ruins from the water is really neat. The cruise line completely took care of us. Picked us up from the port, arranged for a tour guide and history overview prior to the tour, and made sure we made it back to the boat in time for us to leave.
Tulum Ruins Excursion made for a long day. The ferry ride was choppy as described in other review. They provide a small lunch but our daughter got sick on the ferry over. We thought she could bring her beverage and the lunch items (which needed no refrigeration) back to the ship at the end of the tour. Be warned security will not allow any food or drink back on the boat even if you brought water from the ship and did not drink it during the excursion.
Went to Chitza Nitza. Walk to ferry, ferry ride, walk to bus, 3 hour bus ride, crummy Subway lunch with sugar soda (not even water), great tour guide on bus and at ruins, best ruins we've been to off ship, reverse trip back. Ferry was waiting for us and went to dock next to cruise ship. Got to dinner at 7. Loved the ruins and worth the bus ride. I would take food off the ship, even if you have to bring granola bars from home or little boxed cereals from ship. Also make sure you buy bottled water while you are in Chitza Nitza. It is a long ride back and they do not give you more water.
Learned a lot more about the Mayans than I thought we would. Very fasinating.
Below average tour guide. He was hard to understand. An older Mexican caballero who probably would've better working something else or doing nothing and enjoy his retirement. Tried to be informative but it was obvious that he struggles with his presentations...
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subset: commoncrawl


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Awards of damages provide powerful ammunition for insurers
Awards of damages in three recent cases — Clack v Wrigleys Solicitors LLP; AIB Group (UK) plc v Mark Redler & Co; and Whalley v PF Developments — provide powerful ammunition for insurers when seeking to reduce their claims exposure.
A claimant who made a £600,000 loan to a third party based upon the security of shares in a company without conducting adequate checks on the financial standing of the company could not recover the whole of his resultant loss from the solicitors he had retained to draft the loan and security documents relating to the transaction. The judge held, following the decision in SAAMCo, that although the solicitors were found to be negligent in not providing adequate advice in respect of the effectiveness of the security, they were "…not liable for the consequences of risks that Mr Clack would have taken upon himself even if they had performed their duty". The claimant was therefore awarded just £30,000, which was what the judge considered the claimant would have been paid (as a director of the company) had there been an effective charge over the shares…
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Ailsa Weisnewski and Blacque Butterfly perform
program date:Mon, 10/11/2010
Another Membership Drive night! Tonight we had two fine guests – Blacque Butterfly, presented a few spoken word pieces and Ailsa Weisnewski sang a few songs. Thank you all for listening and I hope some of you called in Membership Pledges to KBOO. If you didn't get a chance, remember you can pledge anytime – and we hope you mention Prison Pipeline when you do. Be sure to see our photo.
- Title: Ailsa Weisnewski and Blacque Butterfly perform
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Be proactive in nurturing civility
Guest post by the Rev. Dr. Charles Kniker
We've all experienced incivility. A store clerk responds curtly. A driver cuts you off. A talk show host spews crude language and torpedoes alternative perspectives. A blog questions a veteran's patriotism. A schoolbook censor attacks a defending teacher of being an atheist.
Then you hear the purported true story of a truck driver harassed by motorcyclists at a restaurant. They try to provoke a fight by taunting remarks and deliberately spilling coffee over his scrambled eggs. The trucker calmly pays for his meal and leaves. Sneering, a motorcyclist says to the waitress, "He sure wasn't much of a man." She replied, "And not much of a driver either; he ran over three cycles as he pulled out." Admit it….we like that story.
It is no wonder that writers across the theological spectrum have concluded that our national moral compass is broken, our families' value systems bankrupted. Even in the higher education world, stories abound about the lack of civility, from students' paying more attention to ipods than lectures to faculty challenging colleagues more with sarcasm than scholarship.
As citizens or members of a faith community, we have a responsibility, if not the duty, to offer a model of civility that can make a difference in our local communities, the nation and the world. But how?
Another time that called for civility
Almost 2000 years ago people in the Roman empire had to answer the same question. It was a world with a growing tapestry of colors, cultures, languages, although there was one dominant political power – Rome. Its leaders dealt harshly with dissenters. To newly converted Christians in Asia Minor, the writer of I Peter offers simple advice, "If you want to survive, be civil."
In that long ago time, there were many examples of brutal and demeaning behavior by those in power. Listen to his warnings. You will be tempted to use malice, guile, insincerity, envy and slander. You will be tempted to fight evil with evil, curse with curse, lie with bolder lie. Avoid the temptation to act that way, he says. Rather, "conduct yourself honorably . . . so that though they malign you as evil doers, they may see your honorable deeds."
Strategies people try besides civility
In the centuries since that era, the pages of history are filled with stories of "good" people as well as "bad" people who practiced incivility. Instead of meaningful dialogue, leaders and groups have decided that out shouting or "out slicking" their opponents is the best strategy. In the name of religion, "sinners" have been denied rights. In the American colonies, when some garnered enough power, they banished others. The founders of Harvard and Massachusetts Bay Colony sent Roger Williams off to the "cesspool of New England" -- Rhode Island. They whipped or hanged the Quakers. Plymouth Plantation and founding colleges taught only what was considered to be orthodox. Even the peaceful Quakers denied rights and mistreated persons of other faiths when they had power in Pennsylvania.
Being civil in an uncivil world is difficult. How touching is the story of triumph from M. Angelou's prize-winning book 'While the Caged Bird Sings' which describes how her African-American mother began crooning spirituals rather than respond in kind to the taunts and offensive behaviors of the white youngsters teasing her.
Today America is an athletically-centered, consumer-dominated society that focuses on getting ahead at any cost. That includes sacrificing family at times. It is an uncivil world out there and it seems to cry out for an appropriate type of response. Let's look at a model.
Continues tomorrow—What is a model for civility? Keys to civility


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Masterspell 5.1: free spelling coaching
updated 09:00 am EDT, Wed April 25, 2007
Masterspell 5.1 now free
Macinmind today released its Masterspell 5.1 as a free applications. The software administers spelling drills using over 3,600 included words and sentences spoken with a real voice and supplemental guidance using the Mac's Text-to-Speech technology. Masterspell 5.1 offers definitions or example sentences for each grade level (as well as adults) and reinforcement by previewing words before drilling, retries for half-credit, and visible/audible corrections. It also tracks a running list of trouble words and includes a test editor with voice recorder to record custom words and sentences, provisions for alternate spellings, an interactive chatty owl, a Hangman game, and other options for multiple-users and networks for installation at schools. Master Spell 5.1 is now a Universal Binary and includes better CPU efficiency, better network handling, and better normalization of volume between recordings and text-to-speech.


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When Colin Cowie joined me on "Mondays With Marlo," one of our viewers wrote in, "I'm having a dinner party for six colleagues. Any tips for making it memorable and different?" Here's what Colin suggested:
- When you're having a dinner party, just realize that today's savvy entertainer is a resourceful entertainer. It's not about chopping, slicing, dicing, peeling and doing everything yourself. You get no medals for that. So if you love to cook, cook one or two dishes, but you might want to supplement it with a store bought dessert or prewashed salad that you could put maybe a crouton or cheese on or something and dress it up that way.
- Consider starting off with an incredible soup. That's your first course and then you're going to do salads for the second course and then the main course. So, for the soup, I would bring out the soup bowls. Take your hot soup and put it in a coffee pourer and pour it around the table, pass that around. That way you're getting hot soup and you don't have the soup sliding all over the place. It's very easy to do. You could even put it in a coffee thermos or a carafe if you wanted to do beforehand.
- Salads -- make the salads, six or eight of them, however many you're serving; put them on a tray in the refrigerator. Take the tray out and bring it directly to the table and serve.
- And then for your main course do like a one pot, one-shot wonder, a fabulous chicken casserole or wonderful lasagna or something that comes from the oven directly to the table and do a great store bought dessert.
Simple and stylish! Here are some more of Colin's tips on entertaining and weddings:
Get 11 Must-Have Wedding Tips From Colin Cowie Here
Find someone to help plan your wedding that has good organizational skills, and someone to help you the day of.
On your wedding day, and in life, don't go for perfection. Your best is good enough.
With only 52 Saturdays in a year, you're going to end up paying top dollar for any vendors you use on a Saturday. Opt for a Friday night or an early Sunday wedding instead.
Today's DJ's are tomorrow's rockstars. Instead of splurging on a live band, find a DJ who will work with your tastes. If you still feel the need for some live instruments, bringing one or two live musicians in to work with your DJ will be cheaper than booking a full band.
The most important aspect of your wedding is the timing. Know how long each part of your wedding should last - no one wants to spend an hour and a half at the cocktail hour, or be at a reception that starts half an hour late. Make sure that you have a schedule of events, a rundown of how long each thing will last so that all of your staff is on the same page.
Using a mirrored surface with candles on top will create a beautiful ambiance to your wedding, and are a cost effective substitution for flower centerpieces.
Instead of doing assigned seating for everyone, create a lounge environment. Have four or five food stations with a wine pairing instead of a long buffet line and waiter service to cut costs.
It's more important to make your guests feel welcome and comfortable than to impress them, so don't stress yourself out!
Forget what your mother, your maid of honor, or anyone else says about your wedding tastes! Your wedding isn't just one big party - it's your opportunity to tell everyone who you are now as a couple, so do what's right for you!
If you know that you're wedding will be full steam ahead till the very end and your guests have been dancing for hours, everyone is going to want a grilled cheese or something to snack on towards the end of the evening. Colin recommends serving French onion soup at the end, because it takes away the hangover!
Style has got nothing to do with money. Make your backyard wedding elegant and personal by serving your meal family style with using family recipes. Instead of spending a lot of money on expensive centerpieces, have bowls of pasta and roasted chicken and asparagus (or whatever appeals to you) pierced all the way down the table.
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by Buck Pomerantz
What makes a great subwoofer like the Alpine Type-R sound so good? For Alpine, it's a combination of brilliant design and high-quality materials.
Our experts help you pick the ideal gear for your needs.Meet our advisors
Free tech support for the life of your gear.Read about our one-on-one expert help
You may return items that are complete and like new for any reason within 60 days.See the details of our return policy
Earn one point for every dollar you spend and use those points to save on future purchases.Get full details on Crutchfield Rewards
We offer vehicle-specific installation instructions, dash kits, wiring harnesses, and speaker accessories at deeply discounted prices with car stereo and speaker purchases. Available for most vehicles.Learn more
Our customers have trusted us with their business, and they've helped us win awards for our service.Check out our most recent awards
The manufacturer's warranty always applies.See more details
What makes a great subwoofer like the Alpine Type-R sound so good? For Alpine, it's a combination of brilliant design and high-quality materials.
From in-dash DVD players to easy-add-on portable systems, car video makes your trips a lot more fun, and this article covers the topic from front to back.
Rear-view video systems simply make backing up safer, but finding the right system for your vehicle can feel daunting. This introduction to rear-view cameras and monitors will help you narrow down your choices, so that you can shop with confidence.
A car can be a great place to enjoy music, but many commuters still put up with marginal sound quality that they'd never tolerate at home. Here are some tips on how to improve your vehicle's sound, whether you're listening on a simple factory system or a multi-channel amplified setup.
When you're shopping for speakers, don't forget the tweeter. Tweeters reproduce the upper frequencies in your music they're what makes your highs sparkle and come to life so they're vital for proper soundstaging and stereo separation.
Learn about some of the features that make Alpine Type-S car speakers an excellent choice if you're looking for great sound at an affordable price.
Alpine puts pro-level audio tuning in the palm of your hand with TuneIt, an award-winning smartphone app designed exclusively for select Alpine receivers. Download the free app onto your iPhone® or Android smartphone, and you can create a user profile with information specific to you, your vehicle, and your Alpine system.
Alpine's SBR-S8-4 ported subwoofer gives you the hard-hitting bass your system was missing — without taking up the valuable storage space you need. The secret is in the high quality construction.
If your smartphone is the hub of your communication and entertainment, Alpine's UTE-52BT digital media receiver will make an ideal travel companion. This receiver works with both iPhone and Android models, so you can listen to stored music or stream Pandora and other Internet radio apps with your phone. Built-in Bluetooth connectivity lets you enjoy your tunes, plus hands-free conversations.
Alpine's CDE-W265BT CD receiver fills your vehicle's double-DIN (4" tall") opening with an easy-to-read two-line display and easy-to-reach controls. And since Alpine puts great sound at the top of their "to-do" list when designing car stereos, you'll also enjoy some innovative technology for upgrading the sonic soundscape in your vehicle. Take a closer look in this demo video.
Dan, a Crutchfield web designer, performed a major sound upgrade in his 1991 Mazda Miata by installing an Alpine KTP-445A compact car amplifier, a new Alpine receiver, and Polk Audio db speakers.
Alpine made their V-Power amps 40% smaller for 2013, so they'll fit in more places than ever. Plus they employ some smart technology called Enhanced Shutdown Performance, which rolls back the output a bit when the amp threatens to overheat from playing at its limits too long.
The Alpine PDX-V9 is the "do it all" version of Alpine's popular digital PDX amps. It's small, stackable with other PDX amps, and gives you 100 watts RMS x 4 for your speakers, plus 500 watts RMS x 1 to drive a sub. Serious power, with a tiny footprint.
Alpine's CDE-143BT CD receiver has built-in Bluetooth® for hands-free calling and audio streaming, and has controls for your iPod® and iPhone®. Alpine's App Mode lets you tap into music streaming apps, too. Check out the CDE-145BT in this display and controls demo video.
Alpine designed their IVE-W530 DVD receiver for anyone who doesn't need in-dash navigation but wants a nice audio/video setup in the car. It's got everything you want in a system controller, including a sharp, clear 6.1" VGA touchscreen, powerful audio performance, and plenty of great A/V options. Take a look in this display and controls demo video.
This video demonstrates how easy it is to install the Alpine KTP-445 Power Pack amplifier module. The Power Pack gives you the power and improved sound of an external amplifier at a fraction of the cost and with a much easier installation.
The CDE-SXM145BT CD receiver gives you the great sound you expect from Alpine, plus SiriusXM satellite radio's amazing variety of music, sports, news, and entertainment.The SiriusXM programming (subscription required) comes through the SXV200 SiriusXM tuner that's included with this receiver. Take a look at some of the CDE-SXM145BT's features in this display and controls video.
Alpine's Perfect FIT system lets you install certain Alpine receivers while keeping your factory look and feel. The adapters are custom-made for specific vehicles, so your new Alpine stereo will blend in beautifully with your stock interior.
Alpine's CDE-HD149BT CD receiver packs a serious sonic punch and includes features like an HD Radio® tuner, built-in Bluetooth®, and Pandora® Internet radio control, too. Alpine's user-friendly controls round out the package, with the innovative new TuneIt™ smartphone-based app for tuning your system. Take a look at it in action in this demo video.
The CDE-SXM145BT CD receiver gives you the great sound you expect from Alpine, plus SiriusXM satellite radio's amazing variety of music, sports, news, and entertainment (subscription required).


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- The Harsh Light of Day
- Production year: 2012
- Country: UK
- Runtime: 90 mins
- Directors: Oliver S Milburn
- Cast: Dan Richardson, Giles Alderson, Niki Felstead, Paul Jaques, Sophie Linfield
In a fug of late-night viewing and genre fandom, this lo-fi British vampire flick might slip down fairly easily. But viewed beneath an everyday bulb, The Harsh Light of Day seems a touch too duffly acted and iffily scripted to be really recommendable. An author in the occult staying in an ominously remote cottage suffers an attack that leaves his wife (personality trait: up for it) dead and him in a wheelchair. The police are hopeless, so he does the only sensible thing and makes a pact with Satan to try and exact revenge. Snappy editing helps sustain some pace, and Giles Alderson has charisma as the mysterious "Infurnari", but after a spell the interest sag is unstaunchable.


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Tom is a long time resident of Naperville with a strong sense of hard-work and family. With 20+ years working with Hallberg Commercial Business & Group Health Insurance, Tom has had the opportunity to work with hundreds of Lisle Area residents and business owners finding solutions for any of their insurance needs. Being the father of teenage triplets, Tom enjoys spending his free time sharing their enthusiasm for school, sports and local activities with them.Tom Reif
Hallberg Commercial & Benefit Solutions


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Dropcam Echo
Dropcam Echo : Setting up the Dropcam is quite easy. To activate, you just enter the unique code that comes with each device on the Dropcam web-based set-up screen.
10 / 18
Bottom Line
The Dropcam Echo is a highly effective home video surveillance system that stores recorded video and audio in the cloud so you can access it from anywhereincluding your iPhone. Some price adjustments and a bit of work on the motion and sound detection, and it could be a real winner.


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ReviewGist App
Read reviews on the go.
'The interface is simple and it offers album art, but it's not particularly flashy.'
'the onboard music software is capable of delivering excellent quality audio.'
'new touch interface'
'The browser is good for a desktop browsing experience, but the data speeds suggest you probably won't end up using the 5800 to visit the sites you love on a day-to-day basis.'
'latest phone'
'very polished, attractive looking phone'
'The Sony Ericsson W350 Walkman is available for free with a 2-year commitment after a $50 mail-in rebate.'
'uncomfortable Walkman button'
'You don't need to have the phone open to take photos, which is rather convenient.'
'The Nokia 5610 is designed with music in mind, with an estimated 22 hours of music playback from a full battery charge, as well as a microSD card slot and Bluetooth 2.0 with A2DP support for stereo headsets.'
'It is possible to view contacts saved in the phone memory or those stored on SIM, or both lists together.'
'the phone's extras in the aspect of video editing are rather modest, being nothing beyound the basical required level.
'The stylish design of this model is what makes it distinct from other mobiles.'
'Its new design and social network friendly applications make it lovable by most of its user.'
'The new is rich in features that will give you greater satisfaction and like all the phones of the trusted brand, you can believe it, there is admirable quality in it.'
'The battery life of the device is also poor which does not live up to the expectations of people.'
'average flip phone'
'For folks not comfortable with smaller phones, this can be a plus.'
'Looking at the 6555, you notice that it's a very elegant clamshell phone.'
'The UI of Nokia 6555 is identical.'
'bad design and buggy performance'
'include a bunch of multimedia functions'
'Asphalt The games are characterized by good graphics,'
'nice 2.4" 16M color TFT display'
'rather steep price'
'This whole combination, together with the colors of the lights, looks very … strange.'
'the navigation pad can be somewhat awkward to
on the internal ring surrounding the central select button.'
'some disguise it is: with this slim slider almost everything is staked on design.'
'best phone'
'The 5700 is compatible with WMA, MP3, AAC, and eAAC+ audio, and users can even load it with DRM protected WMA files.'
'well known S60 3rd edition graphic user interface'
'It's amusing to see how some of our friends' faces lit up when they thought we were attempting to break the phone by doing the whole twisting motion.'
'The device is not especially light either'
'changing the font color is not available throughout the whole menu and when using some graphic themes legibility is not perfect.'
'the buttons (especially those dedicated to music) have a tight, rubbery feel.'
'Sliding the device open reveals the one disappointing aspect of its controls: a phone keypad that feels overly plasticky.'
'There is no POP/IMAP/SMTP support in the 7250,'
'Unfortunately the 7250 still doesn't come with Bluetooth technology,'
'there is no built-in flash.'
'great phone'
ReviewGist helps you find the best products to buy by making sense of online reviews.
We are currently aggregating 372,308 reviews
covering over 29,324 products. See what the press says about ReviewGist here.
© 2007-15 ReviewGist.com. All Rights Reserved.


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Yep. IIRC, to replace the exposure lock button, the mirror box has to come out. So, you're looking at ~$158-$170 in labor right there. Add a foam job, and you've an extra $10 or so in parts. It adds up. If the camera was an F3P, F3/T, F3H, or Limited, I'd say go for it. Otherwise, find a different body. In fact, I have a pretty clean F3HP that I'm selling right now. I don't think I can get as low as what BradleyK paid for his, but I am open to offers. May '95 build, btw.
If you are attached to the camera, there are a couple shops here in the PacNW that are good with respect to servicing F3's.
1) Camera Clinic, Shoreline, WA - 206-367-2440. Hours are 10-2 PDT (or 1-5 EDT) Tues-Sat. My F3P is currently there, being overhauled - major project with this one, but...
2) Northwest Camera Repair, Everett, WA - 425-252-0932 or http://www.northwestcamerarepair.com. Hours are 10-5 (1-8) Mon-Fri. Repaired a previous F3P of mine, then a Nikomat FT2, and just recently fixed up a DP-12 finder for my F2AS.


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New Star Trek TAS comic "Better Safe Than Sauria"
View Single Post
September 10 2013, 05:16 AM
Vice Admiral
Location: On the destruct button until the last minute!
Re: New Star Trek TAS comic "Better Safe Than Sauria"
Sir Rhosis wrote:
I only got the opening title page and then a page with two panels, ending with the computer stating the importance of the requested search. Didn't build to cliffhanger or story break, or am I missing something? Nonetheless, I always enjoy yours and Chuck's work and am looking forward to more.
Sir Rhosis
HA! I asked the same thing... and I co-wrote it!
's experimenting with the art a bit on this one to see what works best. Such is the freedom that the internet brings! We were recently looking at a cool webcomic that puts out one panel per day!
If anyone has opinions, we'd love to get constructive feedback!
And, yeah, please drop by our Facebook page for story updates, behinds the scenes stuff, and general TAS discussion!
Star Trek The Animated Series Comics
Felt Nerdy on Facebook
View Public Profile
Send a private message to Kelso
Find More Posts by Kelso


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Sugar Shout Out: MacWorld Mania!
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£900,000 Guide Price
Guide Price £900,000
4 bedroom detached house for sale Sevenoaks Road, OrpingtonTREAT YOURSELF It's time to spoil yourself and start to enjoy your family life at home. This wonderful family home offers great living space and a swimming pool for those hot summer days or winters evenings as it is heated. Ideally located for peace and quiet. More details ›
£799,000 Guide Price
Guide Price £799,000
4 bedroom detached house for sale Glentrammon Road, Green Street Green, Kent, BR6Well presented family home with a south-west facing landscaped garden More details ›
4 bedroom detached house for sale Briarswood Way Orpington BR6Well presented four bedroom detached house located within 0.2 miles of the Ofsted outstanding rated Warren Road Primary School. Accommodation is comprised of a large lounge, modern kitchen with separate utility area, dining room and downstairs WC. To the rear of the property you'll find a fantas... More details ›
4 bedroom detached house for sale Glentrammon Road, Green Street Green, OrpingtonThis well presented, extended, four bedroom detached house was purchased new from a highly regarded local builder approximately eleven years ago. Conveniently placed for Warren Road and Green Street Green Primary Schools and Chelsfield Station with its excellent commuter services, bus routes pas... More details ›
Reduced on 02/10/2015 by jdm, Locksbottom. Call: 01684 350029 Local call rate
£675,000 Guide Price
Guide Price £675,000
3 bedroom bungalow for sale Glentrammon Road, OrpingtonThis individual 3 bedroom detached bungalow offers versatile accommodation with 2 reception rooms, en-suite bathroom to the main bedroom, family bathroom, kitchen/breakfast room, utility room, reception hall, remote controlled door to rear driveway leading to a 24'6 garage, split level (contd...) More details ›
4 bedroom detached house for sale Cudham Lane North, ORPINGTON, Kent, BR6 6BYA charming detached 4 bedroom house with commanding views over the surrounding countryside and large rear garden (135' x 20'). Within 2.7 Miles of Orpington mainline station and also all of the shops and amenities that Orpington has to offer. More details ›
£570,000 Guide Price
Guide Price £570,000
4 bedroom detached house for sale Cudham Lane North, Cudham, OrpingtonThis individual, extended, four bedroom detached house is situated in a semi-rural position with open views over fields to the front and a garden of 135' which backs onto a paddock. The surrounding area is noted for scenic countryside and the nearby pretty villages of Downe and Cudham. The accom... More details ›
Added on 06/11/2015 by jdm, Locksbottom. Call: 01684 350029 Local call rate
3 bedroom detached house for sale Waring Drive, Green Street Green, OrpingtonA SPACIOUS LINK DETACHED POST WAR FAMILY HOUSE AFFORDING FAR REACHING VIEWS OVER OPEN FARMLAND WITH A WIDE FRONTAGE GIVING AMPLE SCOPE FOR EXTENSIVE ENLARGEMENT (SUBJECT TO PLANNING PERMISSION) AND WITHIN WALKING DISTANCE OF GREEN STREET GREEN PRIMARY SCHOOL AND EASY REACH OF LOCAL SHOPS, CHELSFI... More details ›
Added on 03/11/2015 by Langford Rae Van Bergen , Chelsfield. Call: 01689 499720 Local call rate
£550,000 Guide Price
Guide Price £550,000
4 bedroom detached house for sale Raleigh Mews, Green Street GreenGUIDE PRICE £550,000 TO £575,000.This modern detached house is situated in a no through road on the borders of Orpington and Green St Green and within 0.25 miles of Warren Road School and the local shopping parade of Crescent Way. (contd...) More details ›
2 bedroom bungalow for sale Glentrammon Avenue, OrpingtonPEACE AND QUIET Situated on the south side of Orpington toward's Green Street Green this home offers easy access to both Orpington & Chelsfield main line stations, shops, schools and bus routes. There is a wonderful rear garden and potential to extend (STPP). More details ›
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This year, we continued on our three year journey of transformation to become the clear choice. We stimulated growth in our business, turned the spotlight back up on our Values and reflected on and communicated our Purpose
A bi-annual report compiled with Markit which highlights potentially significant impacts on broadcasters as viewers' habits change.
How connected and autonomous vehicles will transform the way we drive. What are connected versus autonomous vehicles?
The workforce is changing. Are today's people issues the sole responsibility of the HR function or does the changing business landscape push them firmly within the board's remit?
Since the recession many companies have been faced with margin challenges and yet so few have truly grasped the potential of pricing.
Explore the opportunities available for school and college leavers at KPMG.
Find out about careers for graduates from all degree disciplines in Audit, Tax, Advisory, Technology, Marketing and HR.
Keep up to date with the latest news and views from KPMG in the UK by following our twitter feed.
KPMG's leadership blogs brings you insight, opinion and debate from our senior partners and industry experts.
New UK GAAP
Our publication Cutting through UK GAAP discusses in detail the requirements of the new UK GAAP regime (FRSs 100, 101 and 102) applicable for periods commencing on or after 1 January 2015 and summarises the differences between FRS 102, current UK GAAP and EU-IFRS.
Our second edition, issued in September 2015, includes examples to illustrate the application of the requirements of FRS 102 and our interpretation of those requirements in a number of areas in which the standard is not explicit, necessitating judgement to apply them appropriately.
Breaking News UK
Breaking News UK is our new monthly bulletin that brings you the latest need-to-know information on UK and international standards in the accounting and regulatory space.
Latest edition:
October 2015
Read Breaking News
Previous Editions
Financial Reporting Update
Financial Reporting Update examines certain developments in UK financial reporting in more detail.
December 2014, Issue 2
Holiday pay to include overtime
Download this edition
You can subscribe to Breaking News UK by sending us an email
A practical guide to the Strategic Report (PDF 706 KB) provides guidance for companies developing their strategic reports, highlighting the key questions for boards to ask as they review their first strategic reports produced under the 2014 FRC guidance.
KPMG IFRG Limited publishes a series of IFRS-related updates, which are available on its web site. In the Headlines, summarises new exposure drafts and standards issued by the IASB, as well as any other relevant developments affecting current and future IFRS reporters.
KPMG in the UK submits its views on draft proposals for new and revised standards, interpretations and abstracts published by national standard setters and related organisations.
© 2015
KPMG LLP, a UK limited liability partnership, and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative, a Swiss entity. All rights reserved.
KPMG International Cooperative ("KPMG International") is a Swiss entity. Member firms of the KPMG network of independent firms are affiliated with KPMG International. KPMG International provides no client services. No member firm has any authority to obligate or bind KPMG International or any other member firm vis-à-vis third parties, nor does KPMG International have any such authority to obligate or bind any member firm.


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|Auburn National Bancorporation, Inc.
100 North Gay Street
PO Drawer 3110
Auburn, AL 36831
United States - Map
Phone: 334-821-9200
Fax: 334-887-2772
Website: http://www.auburnbank.com
Auburn National Bancorporation, Inc. operates as the holding company for AuburnBank that offers various banking products and services in East Alabama. The companys deposit products include checking, savings, and transaction deposit accounts, as well as certificates of deposit. Its loan portfolio comprises commercial, financial, agricultural, real estate construction, and consumer loans. In addition, the company provides other financial services; automated teller services; debit cards; online banking and bill payment services through its Website auburnbank.com; and safe deposit boxes. It operates full-service branches in Auburn, Opelika, Hurtsboro, Notasulga, and Valley, Alabama; in-store branches in the Kroger and Wal-Mart SuperCenter stores in Auburn and Opelika; and loan production offices in Phenix City, Alabama. The company operates through its main office in Auburn, Albama and nine full-service branches. Auburn National Bancorporation, Inc. was founded in 1907 and is headquartered in Auburn, Alabama.


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Some science fiction "firsts"
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December 14 2011, 05:44 AM
Re: Some science fiction "firsts"
RAMA wrote:
Cloning in biotechnology is a complex discipline where several different processes are used to create copies of DNA, cells, or organisms. It was possibly first accomplished in 1952 on tadpoles and the first published work was from a procedure performed on carp, 1963. Mammals were cloned in 1986 and 1997, with the first ape cloned in 2000. Today cloning stem cells is seen as a major area of research. In 2006 the FDA approved mass consumption of cloned meat in USA. In 2009 the first extinct animal(Ibex) was cloned but only lived for 7 minutes. On the 7th of December 2011 its was announced that a team from the Siberian mammoth museum and Japan's Kinki University plan to clone a woolly mammoth from a well preserved sample of bone marrow found in August 2011.
And since we've never gotten an extinct animal to live for more than a few minutes -- and that was the best result out of multiple attempts -- there's no guarantee we'll have any better luck with the mammoth. Not to mention all the practical difficulties even if we could successfully pull it off -- what would its habitat be? How could it be raised when it has no parents of its own species and nobody has any idea what its behavior is supposed to be? If mammoths were anything like elephants, they were probably highly social, and we've seen how much damage it does to elephants when they're cut off from healthy social interaction with their own kind.
So, let's recap. First, these bone marrow cells need to be absolutely pristine for cloning to work...and there's no guarantee of that. Next, we need to transplant those cells into African elephant eggs...and many of those will fail. Then, the embryos need to survive the pregnancy...and if 1 in 100 do that, it'd be a massive success. After that, the mammoth needs to be born and survive infancy...again, the odds are stacked against it. Finally, the mammoth clone needs to thrive in a world in which it is completely, absolutely alone...which is hardly a guarantee. And that's not even worrying about the question of this clone giving birth to more mammoths down the line.
Taken all together, the odds that any of us will ever see an adult woolly mammoth with our current levels of cloning technology is probably somewhere between 1 in 10,000 and 1 in a million. And whatever, I'd say the five-year estimate is hugely optimistic - I'd be pleasantly surprised if a live birth of a mammoth happens in the next twenty years, even if it dies almost immediately.
Yes, with this new discovery, we're closer to cloning a mammoth than ever before. The problem is, we're still a long, long, long way away, and in the absence of some major breakthrough in cloning technology, that's likely to remain the case for the foreseeable future.
On Star Trek, clones were treated as abominations.
That's not accurate. If you're referring to "Up the Long Ladder," the Mariposans' cloning was portrayed as flawed because it was their only form of reproduction, but the only thing that was portrayed as immoral was stealing someone's genetic material and replicating them without their consent. It was the lack of consent, the violation, that was condemned, not the cloning per se. There's also "A Man Alone," where Odo stated rather bluntly that killing your own clone was still murder, suggesting it's taken for granted that clones have equal rights. Then of course there are the first clones in Trek history, the giant Keniclius and Spock clones of TAS: "The Infinite Vulcan." Neither of them is treated as an abomination; Keniclius is wrong to abduct and clone Spock without his consent, but the clone itself is accepted as a sapient being with a right to live. The Vorta were all clones, but they weren't discriminated against or vilified on that basis; it was their policies and practices that the protagonists objected to, not their nature. Then of course there's Shinzon, another clone created without the donor's consent, but again, Picard was willing to accept him as a being with a right to exist and tried to bring out the best in him.
So I can't find a single instance where a clone in ST was treated as an abomination simply on the basis of being a clone.
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The crime rate in Washington Terrace is considerably higher than the national average across all communities in America from the largest to the smallest, although at 38 crimes per one thousand residents, it is not among the communities with the very highest crime rate. The chance of becoming a victim of either violent or property crime in Washington Terrace is 1 in 26. Based on FBI crime data, Washington Terrace is not one of the safest communities in America. Relative to Utah, Washington Terrace has a crime rate that is higher than 89% of the state's cities and towns of all sizes.
Importantly, when you compare Washington Terrace to other communities of similar population, then Washington Terrace crime rate (violent and property crimes combined) is quite a bit higher than average. Regardless of how Washington Terrace does relative to all communities in America of all sizes, when NeighborhoodScout compared it to communities of similar population size, its crime rate per thousand residents stands out as higher than most.
The crime data that NeighborhoodScout used for this analysis are the seven offenses from the uniform crime reports, collected by the FBI from 17,000 local law enforcement agencies, and include both violent and property crimes, combined.
Now let us turn to take a look at how Washington Terrace does for violent crimes specifically, and then how it does for property crimes. This is important because the overall crime rate can be further illuminated by understanding if violent crime or property crimes (or both) are the major contributors to the general rate of crime in Washington Terrace.
For Washington Terrace, NeighborhoodScout found that the violent crime rate is well below the national average for all communities of all population sizes. Violent crimes such as assault, rape, murder and armed robbery happen less often in Washington Terrace than in most of America. One's chance of becoming a victim of a violent crime here is one in 1018, which is a violent crime rate of 1 per one thousand inhabitants.
NeighborhoodScout's analysis also reveals that Washington Terrace's rate for property crime is 37 per one thousand population. This makes Washington Terrace a place where there is an above average chance of becoming a victim of a property crime, when compared to all other communities in America of all population sizes. Property crimes are motor vehicle theft, arson, larceny, and burglary. Your chance of becoming a victim of any of these crimes in Washington Terrace is one in 27.
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Driving A Honda Civic At 114 MPH, You Don't Expect This To Happen
But it certainly can happen. Rarely, for sure, but it can. »
But it certainly can happen. Rarely, for sure, but it can. »
In the summer of 2011, I was having a breakfast with my English friends at a posh restaurant on the bank of the Danube, and we started an argument about cars. That wasn't surprising, since after finishing our coffees, we were about to go on short road trip to Etyek, a wine region not far from Budapest. Two cars were… »
When we had the 50 Cars Made For Over 20 Years list a few weeks back, we were deafened by the howls of outrage from those whose favorite cars didn't make the cut. »
This is Down On The Street Bonus Edition, where we check out interesting street-parked cars located in places other than the Island That Rust Forgot. A Trabant down on the NYC street? You bet! »


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Just back from our ski trip staying at Le Chal'heureux, Vars. We loved it. The hotel is half way up the mountain so you do have to be a fairly confident/competent skier to handle getting there as during the day the only way to get there is on skis. The food was fabulous and the hotel staff were excellent. The... More
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Feminine and lovely, this pair of beautiful diamond earrings are sure to become a favorite. Crafted in 18k white gold, each earrings features 14 round cut, prong set diamonds. The leaf motif is adds elegant sparkle to any ear. total of approximately .35 CWT
There is approximately .33 combined carat weight. Earrings dangle 1 1/4" from a post and butterfly locking mechanism and measure 1/2" wide. In excellent condition, these vintage earrings date from the 1950's and are hallmarked 18k on the post. Unfortunately the hallmark is so small we could not get an accurate picture but we do stand by our guarantee that they are 18k.
Total item weight is, combined, 2.90 grams. Layaway is available. Thanks.
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Eichardt's Private HotelSeptember 2, 2011Hotel • Queenstown, Neuseeland
Great Supreme coffee at Eichardts on lake front. Also excellent breakfasts, well priced. $14-$17 - Robyn
The official Air New Zealand Foursquare page with travel tips from Air New Zealanders around the world. We fly NZ + to + from Australia, the South West Paci…
Great Supreme coffee at Eichardts on lake front. Also excellent breakfasts, well priced. $14-$17 - Robyn
The best place for late-night dessert - they have a huge range of pastries and cakes. The hard bit is deciding what to get! - Tina
The best maracons ever can be purchased at Ladurée on the Champs Elysees. I was born and raised there and can't believe I only just found out about the place! Fabulous! - Jennifer
A must-have is Nikau's world famous Kedgeree - absolutely delicious! - Tina
Ferg Burgers... A meal in it's self. Fresh, tasty and HUGE! - Paul
If you're visiting Tahiti make sure you visit the Island of Moorea for some AMAZING snorkeling!! - The Air New Zealand National Cargo Team
Check out Weta Cave! It's not what you think. It's actually Weta Workshops! Check out the masterminds behind some of out biggest films. - Jon
Kaiteriteri has to be the best beach in the world! The drive out is pleasant and the view is stunning. Take a watertaxi ride out water or eat fish n chips on the sand. - Paul
The Silk Market at Yongdali is great and a must-see for all travelers - Lisa


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On behalf of the staff of La Plata County, we are pleased to welcome you to the County website. We hope that this site is a wealth of information for businesses, residents and visitors, and that it will enhance your access to information, provide a better understanding of the operations of your county government and offer you opportunities for civic engagement.
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B Gen Fredrick W Castle - Atwater CA
in World War II Memorials / Monuments
WW I honored their soldiers by naming a military base after the first to die there. By WWII, bases seemed to be named for officers who had died in action and may not have had a burial place.
posted by: sbcamper
location: California
date approved: 7/7/2015
last visited: never
Allora World War II Memorial - Memorial Park, Allora, QLD
A marble obelisk, one of three memorials in the park, honours those who served during the Second World War.
posted by: Tuena
location: Queensland, Australia
date approved: 7/5/2015
last visited: 10/2/2015
Resistance Memorial - Hoogeveen NL
Resistance Memorial located at the front of the town hall on Raadhuisplein in Hoogeveen, The Netherlands.
posted by: dreamhummie
location: Drenthe, Netherlands
date approved: 7/2/2015
1st Belgium SAS Parachute Regiment & XII Manitoba Dragoons - Hoogeveen NL
Memorial 1st Belgium SAS Parachute Regiment en XII Manitoba Dragoons from Canada, located at the front of the town hall on Raadhuisplein in Hoogeveen, The Netherlands.
World War II Honor Roll - Northbridge MA
Located on Riverdale St in a small turnout.
posted by: nomadwillie
location: Massachusetts
date approved: 6/30/2015
Monument at Jewish Cemetery - Steenwijk NL
The memorial is located above the entrance to the mortuary at the Jewish cemetery on the Eesveenseweg in Steenwijk, The Netherlands.
location: Overijssel, Netherlands
Jewish Monument - Eenrum NL
Jewish Monument located in an alley called "Jodengang" in the center of Eenrum, The Netherlands.
location: Groningen, Netherlands
date approved: 6/27/2015
Karel Prasil - Blansko, Czech Republic
CS: pametni deska Karel Prasil // EN: A commemorative plaque of Karel Prasil
posted by: Olii05
location: Jihomoravsky kraj, Czech Republic
Jerry and Rochelle Slivka Holocaust Monument - Portland, ME
A beautiful monument in a beautiful setting, this memorial to holocaust victims and those killed fighting the Nazis has been placed in a green space at the west end of Longfellow Street in Portland.
posted by: BK-Hunters
location: Maine
date approved: 6/24/2015
Pomník pluku pruzkumniku Nikoleje Graceva - Ochoz u Brna, Czech Republic
CS: pomnik pluku pruzkumniku Nikoleje Graceva // EN: memorial regiment Explorer Nikolej Gracev
date approved: 6/23/2015
last visited: 5/31/2015
Honour Roll - Mundijong, Western Australia
Mundijong Honour Roll honours the local fallen of World War 2
posted by: blingg
location: Western Australia, Australia
date approved: 6/21/2015
Pomnik Poleglym i Pomordowanym na Wschodzie - Warszawa, Poland
Pomnik Poleglym i Pomordowanym na Wschodzie (Monument to those who died and were murdered on the east) is the monument dedicated to the memory to the Polish victims of Soviet Union, especially those murdered in concentration camps during WWII.
posted by: GeoLog81
location: Mazowieckie, Poland
date approved: 6/20/2015
War Memorial - Ter Apel NL
War Memorial located at Rütenbrockerweg near Ter Apel, The Netherlands.
date approved: 6/19/2015
"Z" Force Memorial - Rockingham, Western Australia
A monument commemorating members of Z Force who served in World War Two.
Pomnik vojakum Rude armady - Lazanky, Czech Republic
CS: Pomnik vojakum Rude armady // EN: A monument to Red Army soldiers
date approved: 6/16/2015
Jewish Monument - Ter Apel NL
Jewish Monument located at the corner Oosterstraat - Schotslaan in Ter Apel,The Netherlands.
Pomník Obetem 2. svetové války - Vranovice, Czech Republic
CS: Pomník Obetem 2. svetové války // EN: World War II Memorial
date approved: 6/13/2015
Pomnik vojakum Rude armady - Vranovice, Czech Republic
RAF Monument - Nieuw-Dordrecht NL
RAF Monument located on the Klazienaveensestraat in Nieuw-Dordrecht, The Netherlands.
date approved: 6/12/2015
World War II monument - Harpursville, NY
A small stone with a plaque in the triangle where Main meets Maple Street
posted by: ripraff
location: New York
date approved: 6/3/2015
Supreme Sacrifice WWII - Binghamton, NY
"Dedicated to the Memory of our boys who paid the supreme sacrifice in World War II"
date approved: 5/26/2015
Anne Frank Memorial House - Amsterdam, Netherlands
This building in Amsterdam, used as a hideout during WWII, was converted into a memorial dedicated to Jewish wartime diarist and Holocaust victim Anne Frank.
posted by: ThePacman
location: Noord-Holland, Netherlands
last visited: 10/12/2012
Provincetown World War II Memorial - Provincetown, MA
This memorial is part of a multi-war tribute to Provincetown's veterans.
posted by: Metro2
date approved: 5/13/2015
last visited: 7/6/2010
44 Rhodesia Sqn Raf - View Point Rd, Felixstowe, Suffolk
A polished granite stone of remembrance for 44 (Rhodesia) Squadron - View Point Rd, Felixstowe, Suffolk Coastal, Suffolk.
posted by: SMacB
location: Eastern England, United Kingdom
date approved: 5/10/2015
Pomník námorníkum Sovetské Dunajské flotily - Bratislava, Slovakia
CS: Pomník námorníkum Sovetské Dunajské flotily, Bratislava // EN: The monument to seamen of the Soviet Danube fleet
posted by: ALMOR team
location: Bratislavský kraj, Slovakia
date approved: 5/6/2015
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Gate 9 Autodidact Lyrics
Last updated: 09/24/2003 10:26:32 PM
Sponsored LinksI was not raised this way,
This is not the way I was brought up.
I learned how to live well,
I learned to live of the land.
I'm autodidact......
I've learned to live supersonic,
I was not brought up this way,
I've learned to burn my fuel,
how to use my key.
I'm autodidact......
It's a mess...
take it away...
I'm autodidact.....
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I have read in Plato and Cicero sayings that are very wise and very beautiful; but I never read in either of them, "Come unto me, all ye that labor and are heavy laden."St. Augustine of Hippo
It behooves all of us to have everyone experience their deepest, most beautiful, most profound and powerful self, because those people are more apt to give their gift to everyone else rather than shudder in fear.Jennifer Beals
The directors of Synthank were eating an enormous luncheon to celebrate the launching of their new product. Some of them wore the plastic face-masks popular at the time. All were elegantly slender, despite the rich food and drink they were putting away. Their wives were elegantly slender, despite the food and drink they too were putting away. An earlier and less sophisticated generation would have regarded them as beautiful people, apart from their eyes.Brian Wilson Aldiss
You do not have to do anything to defend yourself in life; just BE beautiful, and life will defend you.Bryant McGill
You will be a beautiful person, as long as you see the beauty in others.Bryant McGill
Girls are beautiful, let's face it, and life is quite, quite worthless without them.Chetan Bhagat
People should be beautiful in every wayin their faces, in the way they dress, in their thoughts and in their innermost selves.Anton Pavlovich Chekhov
In the beginning when the world was young there were a great many thoughts but no such thing as truth. Man made the truths himself and each truth was a composite of a great many vague thoughts. All about in the world were truths and they were all beautiful.Sherwood Anderson
Let us not mince words.. the marvelous is always beautiful, anything marvelous is beautiful, in fact only the marvelous is beautiful.Andr Breton
People are always saying, Can you use your skills to get extraordinarily beautiful women into bed? Well... yes, yes I can.Derren Victor Brown
All things bright and beautiful, All creatures great and small, All things wise and wonderful: The Lord God made them all. He gave us eyes to see them, And lips that we might tell How great is God Almighty, Who has made all things well.Cecil Frances Humphreys Alexander
We should venture on the study of every kind of animal without distaste; for each and all will reveal to us something natural and something beautiful.Aristotle
Some Saian mountaineer Struts today with my shield. I threw it down by a bush and ran When the fighting got hot. Life seemed somehow more precious. It was a beautiful shield. I know where I can buy another Exactly like it, just as round.Archilochus
Under each arm he carries an umbrella; one of them, with pictures on the inside, he spreads over the good children, and then they dream the most beautiful stories the whole night. But the other umbrella has no pictures, and this he holds over the naughty children so that they sleep heavily, and wake in the morning without having dreamed at all.Hans Christian Andersen
Live more and more in the Present, which is ever beautiful and stretches away beyond the limits of the past and the future.Meher Baba


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But there are two areas where liberals do express a yearning to be loved, and these have macro, indeed, global, ramifications.
The most dangerous one is the liberal desire for their country to be loved.
One of the most often repeated liberal laments about American foreign policy under President George W. Bush is that America is more hated around the world than ever. As if a country being loved is evidence of its moral virtue.
The very idea is irrational. Name a country that is loved. Does a single country come to mind? Of course not. Canadian students traveling abroad often make sure -- via a big maple leaf on their backpack, for example -- to communicate that they are Canadian, not American. But that is because of America-hatred, not because foreigners love Canada. The idea is amusing. Are there pockets of Canada-love in India about which we have heretofore not heard? Are there 50 people in Uruguay who love Sweden, to mention the liberals' most admired country?
People don't love countries except during exceptional and brief moments in history -- such as when Germans loved America for the Berlin airlift or the French loved us right after we liberated their country from the Nazis.
The aim of the United States of America should not be to be loved. As nice as that would be, the one superpower on earth is never going to be loved -- though I would bet a large sum of money that if China or Russia or any other country became the reigning superpower, people the world over would yearn for the good old days when America was the superpower.
America would presumably be more loved if it abandoned Israel or if it abandoned Iraq. Each case would be morally wrong, but, hey, we'd be loved. Liberals believed we would have been more loved if we had destroyed our nuclear arsenal during the Cold War. Or if we had not pressured West Germany into accepting Pershing missiles.
Of course, in all these cases, if America had sought love, evil would have prevailed. But at least we'd be loved. What else really matters?
Dennis Prager is a SRN radio show host, contributing columnist for Townhall.com and author of his newest book, "The Ten Commandments: Still the Best Moral Code."
10 Tips to Survive Today's College Campus, or: Everything You Need to Know About College Microaggressions | Larry Elder
"Your Republican Uncle": DNC debuts new website to help slow-witted young liberals talk politics with family on Thanksgiving | Allahpundit
Obama 2013: Assad must go. Obama today: Hopefully Assad won't run for president again. | Allahpundit


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Need a Home-made flash difuser
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The FinnBounce, exactly what I was looking for.
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Active Students: All students with an active University of St. Thomas identification number should register for courses and workshops through their MURPHY Online account.
New to MURPHY: If this is your first time registering through MURPHY or you would like a refresher on how to complete the process, please review this MURPHY Online pdf.
New to the University of St. Thomas: Complete the Registration Form and send it in as directed on the form. The form must be completed in its entirety.
Identification number has become inactive: Complete the Registration Form and send it in as directed on the form. The form must be completed in its entirety.
Degree-seeking Master of Arts in Music Education: Students who have been accepted into the degree program. Each concentration has core courses, required concentration courses, and elective concentration courses. M.A. degree concentrations are:
Nondegree: Students who desire academic credit and an official transcript of course work. All courses - except required M.A. core courses - and all workshops are available to nondegree students. Kodály, piano, and Orff Certificate students who are not M.A. students register as nondegree students.
Auditor: Two or three credit courses may be audited. Auditors pay tuition rates based on a percentage formula. A grade of audit is reflected on the auditor's transcript.
Alumni Discount: Graduates of the University of St. Thomas Master of Arts in Music Education degree program are eligible for a $100 tuition discount for one summer course when taken at the nondegree rate. The Alumni Discount is not applicable to audited coursework.
Workshop Participants: Those who take part in the annual Piano Pedagogy workshops or submit a workshop essay for graduate credit will be registered as nondegree students.
Courses with a start date from June 16-30: priority deadline is May 16.
Courses with a start date from July 9-16: priority deadline is June 24.
Courses with a start date from July 23-30: priority deadline is July 2.
Registrations will be accepted until courses have met maximum enrollment.


text:
Happy new year.
Thanks again for all the advice, I'll sort out some chemicals and the other bits and bobs soon. My wife has some Windsor and Newton Cotman paper which I can pinch to try out the process. After all, I may decide that it's not really for me, if I get the bug then I can source the more exotic papers.


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[quote="Annie"] I...just like to have the option of something a little smoother.
I printed today with Arches 88. It is unsized, but you are "de-buffering" and sizing anyway. Sized with starch it is very smooth, heavy and gives a slightly warm black and an average DMax. It's not cheap, but when it arrives, I think you will like its soft, smooth texture--definitely smoother that the back of any Kodak FB paper.


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- Filed Under
MIDDLEBROOK - Herman Rufus Buchanan, 86, husband of Armenia (Helmick) Buchanan, of 1111 Summerdean Road, went to be with Jesus on Thursday, March 15, 2012, at his residence.
A funeral service will be conducted at 11 a.m. Monday, March 19, 2012, at Laurel Hill Full Gospel Church.
The family will receive friends from 5 to 7 p.m. Sunday, March 18, 2012, at Henry Funeral Home and other times at the residence. (www.henryfuneralhome.net).