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How to reach your insurer in a crisis: Roseman
We answer questions about how to reach an insurer after a flood, what is the right amount of coverage and what to do with a busted water heater.
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Some people are having trouble reaching their home insurance companies after the big storm in Toronto last week. They're also having issues with their water heater rentals.
Here's a question-and-answer guide to help in this weather emergency and future crises that may affect your home.
Q: I'm trying to help my parents (86 years old) with two feet of water in their basement. Their insurer said not to touch anything, but hasn't called back or sent anyone for two days. What is a reasonable amount of time to wait?
A: While a two-day wait isn't excessive for most people, I'd be inclined to push the panic button for frail seniors. I told the reader how to reach the insurance company's complaints officer (a type of internal ombudsman).
To find the company complaints officer for your insurer, check with the Financial Services Commission of Ontario (FSCO), which provides contact information at its website.
You have to know the right name. The reader said her parents were insured by Grey Power, but it's listed at the FSCO website under its owner's name, Intact Financial Corp.
You can call FSCO at 416-250-7250 or 1-800-668-0128 (toll-free) or send email to firstname.lastname@example.com to report an issue. Home insurance isn't regulated in Ontario, but FSCO can help with concerns or complaints.
Q: Our rental water heater died and had to be replaced. Direct Energy said we'd have to pay $99 for a service call and $500 as a buyout cost, even if we rented from them again. They keep telling me, "Get your insurance to pay." What can we do?
A: Jeff Lanthier, a spokesman for Direct Energy, said the $99 charge for a service call was a mistake.
"We are waiving all charges for service calls to flood-affected areas for our rental water heater and protection plan customers," he told me, adding that this reader was misinformed when she called earlier in the week.
Unfortunately, she will have to pay the $500 buyout cost. Under the terms of Direct Energy's contracts, renters are responsible for any damage caused by "fire, flood, accident or other insurable risks."
She can include the $500 buyout cost in any insurance claims she submits — and if she's not covered by insurance, she can call Direct Energy for help. An older tank may be swapped for a new one at no charge.
Rental clients must accept responsibility for flood damage, Lanthier said.
"Is a flooded car covered by the car's warranty? No. Is a basement TV covered by the manufacturer's warranty? No. It's the same for water heaters. An insurance claim must be made."
Direct Energy promises to be flexible if a client's insurance claim is denied. I suggest that customers tell the company that they plan to stop renting and buy their own water heater. That may be enough to win concessions.
Q: I am insured for sewer backup. But my insurer said I wouldn't be covered for seepage through basement walls, floors and window wells. If I have sewer backup and basement flooding, will I be covered?
A: Insurance insiders agree you should be covered. But you should ask if there is a cap on expenses under your policy.
"Typically, insurers offer minimal sewer backup coverage, ranging from $10,000 to $50,000. This includes building, contents and additional living expense claims," says Steve Sobel, a public adjuster and owner of Insurance Intelligence International Inc.
"Some insurers are also demanding that floor drains be equipped with intake restrictor valves, which are installed below grade level to minimize risks."
Bruce Kielty, vice-chairman of HUB International, a large insurance brokerage in Toronto, recommends getting insured for the full value of your home and contents. Cleaning up after a flood can cost $100,000 or more.
Focusing on possible mould contamination, contractors will remove carpets, drywall, panelling and any other saturated material from a basement. They will run drying equipment for four to seven days, non-stop.
"You can expect to see significant invoices following emergency repairs," Sobel says. "If coverage is provided and is sufficient, the bills will be paid by the insurer."
His advice: Check your policy to confirm the coverage amount. Try to raise the limit without boosting premiums too much.
Finally, call a reputable drain company to ask about installing an intake restrictor valve to avoid or reduce the chances of flooding in the future.
Ellen Roseman writes about personal finance and consumer issues. You can reach her at email@example.com or
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A man charged in relation to a violent incident in the city was refused bail today because the address he proposed was too close to the complainants.
Gregory William Claxton, 50, oyster opener, appeared before Judge Kevin Phillips today for an electronically monitored bail application.
Judge Phillips refused his application because the address he proposed was 750m away from the complainants.
He could re-apply for electronically monitored bail if a new address was found.
Claxton's lawyer Hugo Young said the matter would proceed to trial and the issue was one of self-defence.
Claxton faces four charges including wounding with intent to cause injury, wounding with intent to cause grievous bodily harm, injuring with intent to injure and assault using a gardening implement as a weapon on December 2.
He was remanded in custody to February 18 for a post committal conference.
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TRY not to bash me for this ... well almost two weeks pp me and df started having sex again. in my stupid defense i almost stopped bleeding and i had a c section which actually didnt feel to bad. well we've done it almost everyday since then im 4 weeks pp now. we were using the pull out method, he happens to be pretty good at it so i wasn't worried. well YESTERDAY my lovely df tells me after we dtd "babe im sorry but i came in you, ive been coming in you." im just like :O . i tell him explain to me why hes been doing that. he says "you just feel so good so its hard not to anyway but honestly because i want another one. i want a little girl this time, this would make me so happy!. your mine forever, ." i swore i almost killed him! i DID NOT want another anytime soon! atleast till my son started school! not get pregnant less then a month after having one!!!!!!! apparently this whole time (sorry for tmi) he would come more than once, once in me then the second time he would pull out to make it look like hes been pulling out the whole time. i just want to bang my head against the wall. i could be almost a month pregnant. i love him and i love the fact he wants to do it all over again and have it be better this time around since we have a place now and we are getting along so well and are bringing in money. but i had a set plan in my head and its probably most definitely ruined if you cans eriously get pregnant that quick after having a baby. i have not forgot the pain i went through my first pregnancy 17 weeks of severe morning sickness that looooong painful labor since my epidural wore off that ended in an emergancy c section. i havent forgot all that yet and im nervous no im scared as all hell to do it again. ugh im sorry i just needed to vent and havent told anyone yet but you guys cause i feel so dumb. i dont want kids back to back like my parents did. i wanted my son to be atleast a few years older so he could protect his younger sibling, i wanted a house not an apartment life insurance a great savings account for emergancies. i was just excited to actually be completely prepared the next time around. every time i think about it i want to cry . but i know its a blessing. and it makes me happy that it makes him so happy he just want me and bring him another beautiful child. its just so much to take in at once. sorry for rambling and making this a freaking novel! o.O
i am completely freaking stupid :(
Amy (28) married Brett (28) on 6/10/07
Big Brother Kason born 11/21/2010 (@)Y(@) Silver Boobies!!!
Pretty in Pink baby Sister due New Year's 2013!!!
K (27) A(27) Together since 05/29/06
B born 09/19/07
J born 01/04/13
give him another beautiful child* not bring him one. lol sorry girls. im just freaking. i think i need to hear it would be ok or even hear anybody else thats almost had a similar situation with getting pregnant soon after having one
i just wish he would of talked to me and planned with me. he was afraid i would just completely shoot down the idea of another one so soon so he took it apon himself :/ ugh if im not im definitely getting on something asap!!!! it sucks i almost threw up when i woke up today!
EBFing, Bedsharing, AP, Non-Vaxing, Pierced & Tattoo'd CRUNCHY Mama to our b-e-a-u-tiful RAINBOW Girl!
First thing, how can you not know that he hasn't been pulling out? I mean when DH and I were TTC I knew exactly when it happened because it would feel completely different right away. I mean that stuff leaks out after you stand up too... I just find it odd that you couldn't tell that's been happening.
Second of all, he sounds like a douche. It's a joint decision to have a baby and he decided to make the decision for you. That shows a clear lack of respect for you.
Because Mean Girl.
Another thing is you had a csection, it takes at least a year for it to heal properly on the inside. Being pregnant this soon could put you at risk for uterine rupture and other complications of pregnancy. Can you imagine the possibility of having to be on bed rest with a 7-9 month old needing your attention?
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I'm considering switching the family over to raw milk, mostly for my 1.5 year old. (DH and I don't really drink a lot of milk to begin with). I'd probably use it in smoothies mostly. But, my daughter would drink more like 15oz a day. Do you have to start little kids slowly? I've heard of people getting sick since their bodies weren't used to the bacteria? Which makes me wonder...is this really something I should be starting when I am 8 months pregnant?
I personally drove out to the farm and toured the place. I talked with the woman who operates the farm and checked the milking area and all that. I think I trust the source...I mean I trust her more than I do Horizon milk...but, I don't know enough to say I 100% trust the source. She does have the milk tested monthly (which I think is all they can afford on such tight budget - there are only like 5 cows and she's mostly breaking even and not making a lot of profit).
It's the only choice we have for raw milk around here. I'm just not sure if I should dive into this while pregnant if your body needs to get used to the specific bacteria found in raw milk. Nor do I really want to risk listeria...but, I still risk e coli and such with all of the raw fruits and vegetables I readily consume. So is this no big deal?
I wondered about exactly the same thing. Then I decided not to risk it. My midwife thought it was a wise choice. I ended up trying it when my LO was about a month old, but got a terrible stomach ache (I have lactose issues anyway...).
We ended up switching to almond milk for the time being. It's ultimately your call. Raw milk is fantastic stuff, truly, if you can handle it.
I drink raw milk while pregnant, from my own goats or my friends. There is some info on it on Weston Price foundation. I have heard the opinion that it is no less safe than eating raw veggies while pregnant.
I never drank milk before, but during my pregnancy, I drank 1/2 to 1 gallon raw milk per day. I never had any digestive issues due to the switch.
Go with your gut! (Pun intended)
if you eat raw spinach then you are already taking the biggest risk of food-poisoning out there. So, i say go for it!
I drink it while pregnant. I had no gastrointestinal issues switching over. Neither did any of my kids or my DH.
Mom to (12), (7), (5), (4), (born 7/8/11), , and
I started it when pregnant and so did dh and my 1.5yo son - we continued until we moved too far from the farm. My second son also drank it when he started drinking dairy. We didn't have any problems.
I understand your worry though - I definitely paused before drinking it. I saw a chart (Weston Price site maybe) with how many recalls for pasteurized milk vs. raw milk. That made me feel SO much better. We just *think* "regular" pasteurized milk is safe.....
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Wednesday, October 10, 2012
Oregon and Washington fishery managers decided this week that the sturgeon retention season on the lower Columbia River above Wauna will not open Oct. 20 as planned.
The lower Willamette River and the mainstem Columbia River remain open for catch-and-release sturgeon from the mouth to the Oregon/Washington border. Retention remains open Thursday-Saturday in The Dalles Pool until the 300-fish annual guideline is met.
According to Steve Williams, deputy administrator of ODFW's Fish Division, fewer than 100 fish remain available for harvest in the area between Wauna and Bonneville Dam, and that's not enough fish to allow the season to open as planned.
The sturgeon shortfall is the result of greater than expected catches in the estuary fishery and also for the first six months of the year upstream of the Wauna powerlines. During that time anglers harvested an estimated 1,860 fish, or 89 percent of the 2,080 quota, during 23,000 angler trips.
"Effort and catch rates were considerably higher from January through July this year than what we saw in 2011," according to John North, fisheries manager for ODFW's Ocean Salmon and Columbia River Program. "That is a positive sign but unfortunately it resulted in most of the annual quota for this area being used early in the season."
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- Product Code: NFS-03140
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Product Overview
- Dietary Supplement
- Bee Propolis & Green Tea
- Purity & Potency Guaranteed
Bee Pollen Plus Energy is power packed with bee nutrients and herbs to promote healthy energy and endurance.
All Natural Factors products are manufactured in accordance with the Government of Canada's Good Manufacturing Practices (GMP), among the highest standards in the world.
Suggested Use
1 capsule 1 - 2 times per day or as directed by a health professional.
Other Ingredients
Gelatin capsule (gelatin, purified water), rice powder, silica, magnesium stearate (vegetable grade).
Contains no artificial preservatives, color or sweeteners; no corn, dairy, gluten, soy, wheat or yeast.
Caution: People allergic to bees or bee products may be more likely to experience allergic reactions. Not recommended for pregnant or lactating women. Keep out of reach of children.
Sealed for your protection. Do not use if seal is broken. For freshness, store in a cool, dry place.
|Supplement Facts
|Serving Size: 1 Capsule
|Amount Per Serving
|% Daily Value
|Bee Pollen
|300 mg
|Bee Propolis 2:1 extract
|150 mg
|Siberian Ginseng (Eleutherococcus senticosus) 15:1 extract (root)
(Providing 2250 mg crude herb. Standardized to 0.8% eleutherosides)
|150 mg
|Green Tea (Camellia sinensis) extract (leaf)
(Contains 75% catechins, 45% EGCg and 6% caffeine)
|75 mg
|**Daily Value not established.
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I have noticed a marked decrease in my allergy symptoms since starting on your bee pollen. To say I am pleased would be an understatement Thank you.
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This product makes a big difference in my stamina. I have been using this particular brand for a good while now. In the past I have used other brands with the same results so the combination is terrific! And the price is very reasonable.
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I have noticed a marked decrease in my allergy symptoms since starting on your bee pollen. To say I am pleased would be an understatement Thank you.
Great pick me up
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I enjoy taking thses pills it gives me a boost of energy and my allergies have not been acting up since taking them.
No more Yawning in the Afternoon...
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I take one capsule at lunch time. No more mid-afternoon slump!
with herbal and bee nutrients
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It's helps when you are under stress, but sometimes I have to take 4 to 6 pills for an extra energy in the evening when you works until midnight.


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People in food deserts eat much differently than the rest of America
Pork, mayonnaise and cookies versus bagels, kale and hummus. That's the glaring difference in food choices by between two groups of people in the northeastern United States.
Pork, mayonnaise and cookies versus bagels, kale and hummus. That's the glaring difference in food choices by between two groups of people in the northeastern United States.
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A top US health official expressed "extreme concern" Friday over the potential for Zika to expand throughout Haiti and said the United States is helping the deeply impoverished Caribbean nation prepare.
The United States of America (commonly referred to as the United States, the U.S., the USA, or America) is a federal constitutional republic comprising fifty states and a federal district. The country is situated mostly in central North America, where its 48 contiguous states and Washington, D.C., the capital district, lie between the Pacific and Atlantic Oceans, bordered by Canada to the north and Mexico to the south. The state of Alaska is in the northwest of the continent, with Canada to its east and Russia to the west across the Bering Strait. The state of Hawaii is an archipelago in the mid-Pacific. The country also possesses several territories, or insular areas, in the Caribbean and Pacific.
At 3.79 million square miles (9.83 million km2) and with about 306 million people, the United States is the third or fourth largest country by total area, and third largest by land area and by population. The United States is one of the world's most ethnically diverse and multicultural nations, the product of large-scale immigration from many countries. The U.S. economy is the largest national economy in the world, with an estimated 2008 gross domestic product (GDP) of US $14.3 trillion (23% of the world total based on nominal GDP and almost 21% at purchasing power parity).
The nation was founded by thirteen colonies of Great Britain located along the Atlantic seaboard. On July 4, 1776, they issued the Declaration of Independence, which proclaimed their independence from Great Britain and their formation of a cooperative union. The rebellious states defeated Great Britain in the American Revolutionary War, the first successful colonial war of independence. The Philadelphia Convention adopted the current United States Constitution on September 17, 1787; its ratification the following year made the states part of a single republic with a strong central government. The Bill of Rights, comprising ten constitutional amendments guaranteeing many fundamental civil rights and freedoms, was ratified in 1791.
In the 19th century, the United States acquired land from France, Spain, the United Kingdom, Mexico, and Russia, and annexed the Republic of Texas and the Republic of Hawaii. Disputes between the agrarian South and industrial North over states' rights and the expansion of the institution of slavery provoked the American Civil War of the 1860s. The North's victory prevented a permanent split of the country and led to the end of legal slavery in the United States. By the 1870s, the national economy was the world's largest. The Spanish–American War and World War I confirmed the country's status as a military power. In 1945, the United States emerged from World War II as the first country with nuclear weapons, a permanent member of the United Nations Security Council, and a founding member of NATO. The end of the Cold War and the dissolution of the Soviet Union left the United States as the sole superpower. The country accounts for approximately 50% of global military spending and is a leading economic, political, and cultural force in the world.
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It's because Candlelighters was actually making a significant amount of measurable money.
Bastards. Let's bomb 'em. (For future reference, I mean this metaphorically, kthx.)
Thomas Denton of comic blog Say It Backwards has a nephew who was diagnosed with cancer. A charity called Candlelighters helped his family out. Thomas decided to use his connections in the comics world to organize some charitable auctions featuring original artwork by various artists to give something back to the organization. Apparently Time Warner (who own DC comics, who in turn own Superman, Batman and most of the cool superheroes who wear capes) objected to the selling of the pieces featuring their copyrighted and trademarked characters on eBay, specifically Superman from what I understand.Link
Using characters owned by the major comic book corporations is pretty common in charity auctions at comic book conventions. This is not to mention that if you go on eBay right now there are a lot of auctions for artwork featuring those same characters, none of which Time Warner seems to be going after.
Thomas has posted a statement apologising to everyone involved in the affair (artists, bidders), but it doesn't seem right that he's been left holding the bag for trying to something for sick kids. Some letters to Time Warner's PR department might make them think twice about sending out cease and desist orders so wantonly, and who knows, might even prompt them to kick some cash Candlelighters' way.
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Why buy one of those expensive and confusing universal remotes, clogged with enough buttons to launch a space shuttle, when you could accomplish the same electronic control right on your favorite mobile device? The Blumoo Universal Remote, now just $52.99 in the Boing Boing Store, harnesses the audio power of all your household equipment right […]
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It's because Candlelighters was actually making a significant amount of measurable money.
Bastards. Let's bomb 'em. (For future reference, I mean this metaphorically, kthx.)
The Doctrine of First Sale has been put in a refrigerator, apparently.
…Reminds me of an incident years ago where Disney forced a community day care center to paint over its walls because the owners had painted Mickey Mouse, Donald Duck, and other Mouse House characters on them without asking their permission. When the story hit the press, Warner Brothers paid for a couple of artists to go over to the center and paint Loony Toons characters to replaced the ones Disney had ordered removed.
Too bad such charitable spirits no longer occupy the house that Warner built…
It strikes me that what's happened here is probably Time Warner legal action, not necessarily representative of anything like DC's policy on such things. From my understanding, DC is pretty fair on permissions.
I wonder if the exception might have been taken to using copyrighted elements in a way that appeared too much like endorsement? That's hardly making it okay, but it's at least a rationalization.
"Time Warner objected to the selling of the pieces featuring their copyrighted and trademarked characters"
Here's an idea, why not oblige these legal beagles by not buying any of the caped cavalcade AT ALL.
Not the comics, not the movies, not the luch box nor the PJ's.
Screw them.
Fucking underwear perverts.
I saw, of all things, a repo man with the updated WB Superman as his logo. Wished I'd had a camera.
When I was setting up my charity project, this was one of the biggest concerns. Since most of the original people signing up were aspiring or pro comic artists, they thought not being able to do a copyrighted property might limit the project. No one would buy original art if it wasn't Spiderman or Batman. I had to hold firm on that and I'm glad I did, considering.
deviated underwear preverts! Alan Moore knows the score… ;)
I think they SHOULD be bombed – corporate America would be a much livlier place if Banksy-style graffiti art were more common.
You can give directly to Candlelighters here:
I see an opportunity for Marvel to pick up the slack here. It would be great PR, and more importantly, help sick kids.
The company has an obligation to go after people who aren't paying the license fee. The share holders would demand as much.
@#5 I was just thinking about heading down to my local shop today and picking up Titans #2.
I think it might just be the last DC comic I pick up. And I'm only buying it because I had the shop put it on hold for me.
Currently DC is heavily involved in trademark and copyright litigation over Superman with the Siegel family (I believe). Is it possible that they need to file an injunction in order to show that they're defending their trademark?
blah blah blah big bad company. If someone were stealing your things and giving them to charity, I'm sure you'd be ok with that, right? Well, neither are those who hold stock in comic corporations. Would you expect Time Warner to allow charities to sell pirated copies of their movies? This is really no different.
If someone were stealing your things and giving them to charity, I'm sure you'd be ok with that, right?
Things? Are you equating drawing a picture of Batman for charity with snatching your purse or stealing your car? There are no things involved. Does Time Warner suffer any actual damages from this?
What if someone were BUYING your things and giving them to charity? Because that's closer to what's going on here.
@ rtcarroll2
"blah blah blah big bad company. If someone were stealing your things and giving them to charity, I'm sure you'd be ok with that, right? Well, neither are those who hold stock in comic corporations. Would you expect Time Warner to allow charities to sell pirated copies of their movies? This is really no different."
Pardon me, but WHAT SORT OF A TARD ARE YOU?
How is it stealing?
Theft reqires an item to be taken , so that the owner no longer has the item.
This , at the absolute limit of judicial stupididty could be considered copyright infringement. But it'sd have to be by a tard of a lawyer in cahoots with an equally backwards judge.
Your moral comparison from drawing Batman for a charity auction and commercially running a counterfieting operation beggars credence.
And finally, I weep salty tears of grief for the poor benighted DC stock holders.
Oh woe is them.
NO one has ever boot legged a comic, they cost a dollar or 2, so your point is absurd.
I agree with ERROR404, there is a difference but…
I also feel that the Patents and Trademarks Laws have been mutated into some sort of big brother for the cry babies of society. I don't claim to be an expert on law by any means but have experienced rediculous cease and decist notices first hand for infringing on "Intellectual Property†rights.
Unless I'm misunderstanding this, I'm having trouble seeing the violation with selling the original artwork regardless of whether or not it was for charity in this case. Was the auction in question selling the original artist pieces of the characters or were they reproducing the characters with intent to sell them? That would make the difference for me, the characters are identifiable with DC. If not endorsed by DC, they would be counterfeit and should be considered a legitimate complaint, not necessarily against the person selling them, but rather by DC against their artists who are producing them.
Just my two cents… but the bottom line is that it's all about the money, corporatations, United States Patent and Trademark Office and individuals are all in it for money. It really makes no difference if the cause is for a charity because DC is not getting their royalty, maybe if 50% of the proceeds from the auctions were paid to DC this wouldn't have happened… I don't agree with it 100% but it's the way things work.
I recently bought a pack of gum and was surprsed to see the number 5 had been trademarked so be careful to never to use it. See more examples of Copyright and Trademark violations here.
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CIBC to raise some bank fees
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CIBC will begin charging $2 per month for paper account statements in April, as part of a slate of changes to its fees.
The hikes do not affect all customers, and those who are currently paying monthly fees will have new ways to reduce them, a spokesperson for the bank said.
"While some adjustments are necessary to reflect costs, clients should also have opportunities to reduce their fees when they choose to do more of their banking at CIBC," spokesperson Geoff Dillon said.
The changes take effect April 1, come as growth in consumer loans and mortgages is slowing as a result of high household debt levels and new federal rules that have tightened the housing market. Details are available at cibc.com.
Customers who bundle banking services will receive some discounts and those with senior or youth accounts will continue to get free paper statements with no monthly or transaction fees.
"The $2 charge for paper-based statements is a fairly significant increase in prices for a number of customers. It will have a fairly broad impact on consumers because the vast majority will have trouble giving up a paper statement," said David McVay, an industry consultant, who formerly worked as a bank executive.
McVay called the other changes "minor' and added that CIBC is to be commended for keeping its senior accounts, added McVay, a former bank executive. "I give them credit for the senior plan."
RBC raised its fees last April.
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Snowman Family in Car 5 Christmas Ornament
Personalized Christmas Ornament
The safety of being in a family is saying what you really want and being accepted for your own opinion, even if your sentiments are not mirrored in the eyes of your family.
Material: Resin
Ornaments shown on our site are personalized, as examples only, so you can see where we put the words/names you give us. Some ornaments allow you to select hair or uniform color. If there is no color choice, it is not available on that particular ornament. We will do everything possible to catch any mistakes in spelling, etc., but are not responsible if we do as you request, and it is then not correct. The ornament you see above is the way it will look when you get it, except for the personalizing instructions you give us and any optional attributes you select.
Read what our customers say about our Personalized Christmas Ornaments and their shopping experience!Hover over testimonials to stop scrolling
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Joel examines the character flaw of Saul and what we need to do to avoid being like Saul.
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Allergy & dietary information
If you have an allergy that could harm your health we strongly advise you to contact the restaurant directly before you place your order (we can help you do that through Live Chat). More information about JUST EAT's allergy policies is available on our Allergy FAQ page.
40 High Road, Swaythling, SO16 2JF
Opens at 16:30
Where to find us
856 reviews of Rice
04/05/2016AndrewAlthough the crispy lamb and the woo-tip were tasty, the rest of the meal was a disappointment. The roast pork buns were extremely dry and almost rock-solid at the bottom. The sweet and sour sauce was mostly sour with a strange lingering taste of burnt sesasme oil: it tasted unpleasant with a very strong and off-putting smell. The lamb chow mein was an unappetising green/brown colour and was supplied with a separate block of solid noodles rather than having the noodles inside: after the other bad dishes we couldn't bring ourselves to eat it. Overall, not what I want in a Chinese meal and I won't be re-ordering here.
01/05/2016PaulUsually very good food, but this time, the chicken in all dishes was very over cooked and tough. Very dissapointed. Shame
30/04/2016EmmaAlways order from rice it's the best Chinese take away , my favourite dish is the salt and pepper prawns , and personally I think they should be a restaurant aswell as a take away best Chinese I have eaten allways so flavoursome
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Stony Brook hires Ohio State's Boals as basketball coach
STONY BROOK, N.Y. (AP) Stony Brook, coming off its first NCAA Tournament appearance, hired Ohio State assistant Jeff Boals as its basketball coach Saturday.
Boals succeeds Steve Pikiell, who left for Rutgers after leading the Seawolves to the NCAAs. Stony Brook lost to Kentucky in the first round.
Boals will be introduced Monday, the 11th basketball coach in the school's history.


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Five ways to boost your start-up business idea
Jan 14th
I have fun helping start-ups and after years of seeing plans and pitches, I am starting to see some common mistakes emerge.
If you want to build a hedge of protection around your baby and make it soar, spend some time thinking about how well your new business is prepared to handle these issues. Here are five ways to boost your start-up business idea:
1) Are you easy to copy?
If your idea depends on massive scale (especially if it's digital), what's keeping somebody from stealing it and scaling it faster than you? Do you own a patent? Do you have the resources and financing to fend off the attack? If not, this is a BIG red flag.
Being bought — a good end game. Being copied by a tech giant and crushed? Not a good thing. How are you going to sustain your idea?
Can you patent your idea? Can you attract funding to scale quickly? Are you focused on a niche that is under the radar? Do you have access to unique people and resources that will give you time to succeed? Are you able to dominate a market by a geographic location?
Make your business future-ready by having an honest assessment of your situation.
2) The marketing priority
By far, the most common error among start-ups is that founder is so in love with the product that they overlook their marketing plan.
"This idea is so cool it will sell itself." NO. It won't.
"Marketing? I'll do that later." This is a critical function that should be built into the product from the start.
"Marketing isn't that big of a deal. I can do it myself."
I have been in the marketing field for more than 30 years and let me tell you unequivocally that this is the hardest time to be successful in marketing. You are going to need help, at least to get you pointed in the right direction.
I'll let you in on a little secret. When I was creating the business plan for my first business many years ago, the section that remained blank until the end was "marketing." And I'm a marketer! This is hard work.
If you have no customers, you have no business. Build marketing into the fabric of your business from the start to give yourself the best chance for success.
3) Define your market fit
Can you succinctly describe how you differ from your competitors? What unmet or under-served customer need or want does your new product uniquely fulfill?
I understand that sometimes you don't know the true value of a product until you get it out there and research can be difficult when you're boot-strapping. You might even have a product after 24 hours of coding, so why not just get it out there?
But if you're at the point where you are ready to go to market, you should be able to articulate at least a direction and a theory of how the idea will eventually make money.
How do you fit in the market eco-system? How do you avoid competition that can crush you before you have a chance to become established?
4) Focus on the customer, not yourself
Are you starting a business, or fulfilling a personal dream? There's a difference.
Yes, a business can be the result of a dream, but don't let the dream get in the way of logic.
I once mentored (for about one minute) an entrepreneur who had a company name nobody could pronounce, spell, or remember. I think it was something like Mqexiro (but of course I can't remember it for sure). I told him the name had to go. He went on to explain that it was an ancient Greek term for hope and that this word "nourished" him.
Well, he would be better served buying a quart of Greek yogurt and some granola because his idea isn't going to be nourishing him for long if nobody knows how to find or even pronounce that stupid name.
My point is that this person was in love with an idea more than he was in love with his customers. I'll pass. Put the customer at the center of everything you do.
5) Be ready for a marathon, not a sprint
Are you prepared to be broke for two years?
That's the question I usually ask in the first 10 minutes of meeting with somebody who is ready to risk it all and make a leap into the world of start-ups.
One of the mistakes I made last year was following my heart instead of my head on this piece of advice. I was helping a young entrepreneur and I fell in love with his idea and his passion. He was going to leave a secure job and devote everything to his dream.
This was an excellent business proposition except for one thing. He did not have savings to rely on, he had a young family to feed, and the sales cycle for his product was a long one. He only had the financial resources to run sprint when the race he was facing was a marathon.
I KNEW this was a problem but invested any way. Sure enough, after nine months he had to take a job again, more or less abandoning everything he built because he had no financial buffer. Lesson learned: Listen to your head, not your heart!
There are LOTS of reasons start-ups fail when they get to the execution phase but these four concepts represent sure-fire failure points I seem to see all the time in the early stages.
What would you add? Why have you failed in the past?
Additional Resources for future-proofing your start-up:
- Dell Center for Entrepreneurs
- Looking for innovation inspiration? Here's the place to start
- Entrepreneurs vs. intrapreneurs: Which one leads the race?
This post was originally written as part of the Dell Insight Partners program, which provides news and analysis about the evolving world of tech. For more on these topics, visit Dell's thought leadership site PowerMore. Dell sponsored this article, but the opinions are my own and don't necessarily represent Dell's positions or strategies.
Illustration courtesy Flickr CC and Dagny Mol
How to Use Native Advertising Without Getting Fined by the FTC
Jan 13th
By Kerry Gorgone, {grow} Contributing Columnist
By now, you've probably heard the term "native advertising," which means "content that bears a similarity to the news, feature articles, product reviews, entertainment, and other material that surrounds it online." (Federal Trade Commission guide, Native Advertising: A Guide for Businesses).
Now that relevant content powers marketing, it makes sense that advertisers would try to make their messaging more relevant to their audiences, as well. Enter native advertising.
If you've been to BuzzFeed's site lately, you've definitely seen native ads on display next to actual site content.
The power in this form of advertising is that it doesn't disrupt the user experience. People have gotten very good at filtering out advertising messages. In many cases, people don't even see ads anymore: that phenomenon is known as banner blindness.
Not that people necessarily need to do their own filtering: people can install ad blocking software if they choose (and many people have). Ad blocking grew 48 percent in the year leading up to June 2015.
Either way, they won't see traditional display ads.
Native advertising works differently. It mimics actual content in terms of look, feel, and sometimes even topic, so it might offer a solution for marketers concerned about the rise of ad blocking software.
And native ads are effective: Just ask BuzzFeed. The company tripled its revenue from 2012 to 2013, then hit $100 million in 2014. And native ads yield higher clickthrough rates than traditional banner ads, especially on mobile. Studies show native-mobile ads generate clickthrough rates of more than one percent, while the average clickthrough rate of display ads is 0.06 percent.)
Native advertising and deception
But why do they work? Are advertisers tricking consumers into viewing their ads by making them look like actual content? In some cases, yes. And people don't like it. Publishers also need to be careful not to make consumers feel duped into reading adverts. Recent research shows that 48% of readers have felt deceived when they realized that a piece of content was actually sponsored by a brand.
Therein lies the problem: native advertising is more effective because it masquerades as actual content. But it's illegal to pass advertising messages off as editorial content. The Advertising Standards Authority in the United Kingdom, for instance, banned a native YouTube ad sponsored by Oreo that featured two well known video bloggers because the agency felt it was not clearly identified as marketing communication.
Stateside, the Federal Trade Commission ("FTC") has long waged war on false advertising—marketing or advertising communications that tend to mislead consumers. Recently, the FTC issued an "enforcement policy statement on deceptively formatted advertisements" giving advertisers and publishers alike a heads up: deceptive native ads will not be tolerated.
So how can your brand capitalize on native advertising without breaking the law? The FTC offers some insight in their guide, "Native Advertising: A Guide for Businesses."
Here are a few key precautions brands can take:
1) When in doubt, disclose that the content is sponsored.
Reading the guide, you'll see that there are some instances in which the FTC thinks disclosure would be required, and others in which it might not. Why take the chance? Unless your facts clearly align with one of the examples the FTC uses, err on the side of making sure people know the content is sponsored.
2) Distinguish your sponsored content from the publisher's editorial content.
You might make it appear different visually, you could choose a topic that's out of the ordinary for the publisher's site, or you could use a call to action that's obviously an ad (e.g. "click to view the Sylvania light bulbs sales catalog). You might even use all of these approaches.
According to the FTC, "the more a native ad is similar in format and topic to content on the publisher's site, the more likely that a disclosure will be necessary to prevent deception. "
In other words, the same resemblance that makes native advertising so powerful also makes it potentially misleading. It's up to you to make sure that readers / viewers know your content is sponsored.
3) Disclose in multiple ways.
You might say at the beginning of a video, for instance, that this content is sponsored. But someone might not be paying attention! You might make the statement at the end of the video. But someone might not watch all the way to the end!
If you want to effectively disclose that content is sponsored, use multiple methods: say it, show it (text on the screen) and repeat it in the description or introductory text. It's better to over-disclose than to not disclose enough.
In the Oreo video mentioned above, for instance, the bloggers featured did make multiple statements saying things like "thanks to Oreo for making this video possible." The governing agency in the United Kingdom, however, found those statements insufficient to ensure that viewers knew the video was really an advertisement for Oreo.
4) Make sure that your brand's native advertising content is clearly labeled "sponsored" in search engine results.
In one example the FTC guide, a paint manufacturer's sponsored video displays along with a text link and thumbnail image in response to a consumer's search. In the example, the text link to the video reads "Building a Deck: 5 Steps for Success" and doesn't mention the paint manufacturer.
According to the FTC, the advertiser would need to ensure that any link or other visual elements like snippets or other graphics that will appear in non-paid search results effectively disclose the commercial nature of the content.
Native ad spending is increasing exponentially, and should exceed $10 billion by the year 2020. But for that massive investment to pay off, advertisers and marketers need to make sure they comply with the legal requirements and guidelines regarding disclosure and transparency.
In closing, let me say, definitively, that this post is not sponsored.
But I'm open to offers on the next one. : )
Kerry O'Shea Gorgone is a writer, lawyer, speaker and educator. She's also Instructional Design Manager, Enterprise Training, at MarketingProfs. Kerry hosts the weekly Marketing Smarts podcast. Find Kerry on Google+ and Twitter.
The Internet we need to save
Jan 12th
Tom Webster and I have been doing a podcast together for nearly three years. And this is what Tom had to say about our latest episode: "This was our best podcast ever."
What made it so?
It was a stripped down show, squeezed in between business travel and the holidays. We eschewed our normal funny "bit" at the beginning to dive right into a topic that elicited both debate and passion:
Is the Internet changing for the better or for the worse, and should businesses care? We were inspired by a passage in a recent London Guardian post by Hossein Derakhshan.
I miss when people took time to be exposed to opinions other than their own, and bothered to read more than a paragraph or 140 characters. I miss the days when I could write something on my own blog, publish on my own domain, without taking an equal time to promote it on numerous social networks; when nobody cared about likes and reshares, and best time to post.
That's the web I remember … That's the web we have to save.
How has the Internet changed in ways that help us or hurt us? Are our values and the promise of the web being slowly "boiled away?" Is the "inward gaze" of social media becoming a dead-end for content? As "newness and popularity" replace authority on the web does its significance decline?
One of our deepest and most interesting discussions. I think you will enjoy audio discussion. Is this the Internet we need to save?
If you can't access the podcast above, click on this link to listen to Episode 66
- Click here to download the latest episode or subscribe in iTunes
- Complete Marketing Companion Episode Guide
- Click here for the show's RSS feed – for Android listeners.
- Find the podcast on Stitcher
Resources mentioned in this podcast
How Facebook and Instagram are killing the Internet
The book Collapse: How Societies Choose to Fail or Succeed: Revised Edition
by Jared Diamond
Illustration courtesy of Flickr CC and Backbone campaign
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How to achieve flow when you create content
Jan 11th
Have you ever achieved "flow?"
When I was writing my book The Content Code, it happened to me. It was something weird and wonderful:
- The fact that I was covering an entirely new subject presented a significant intellectual challenge. I knew this book could be my best work. After months of reading and research, the path for the book suddenly became as clear to me as a lighted runway.
- As I spent hour after hour of uninterrupted writing, the chapters seemingly wrote themselves as a cohesive stream came forth.
- I was immersed in the process and would write for hours at a time, often forgetting to eat. Once I wrote for 18 hours in a single day.
This intense, almost euphoric feeling is called flow state, or an optimal performance experience, an idea coined by researcher Mihaly Csikszentmihalyi and discussed in his bestselling book, Flow: The Psychology of Optimal Experience. Back in the 1970s, he performed one of the largest psychological studies ever — asking people from all over the world about the times in their life when they performed their best.
"Flow" is a documented psychological state to describe a period of unusual, peak performance. In flow state, nothing else seems to matter. We forget about our problems, burdens, and self-consciousness and focus entirely on the task at hand.
While most often used to describe athletes, it can apply to any field of endeavor and is literally available to anybody if the conditions are right. In a 10-year McKinsey study, top business executives reported being five times as productive in a flow state.
Billy Mitchell, who runs MLT Creative, told me that flow comes to him in his creative process: The pleasure of good ideas coming together and being captured is a tangible reminder of why I got into a business requiring creativity. None of this means that the work is not going to be subject to further scrutiny and possible rejection. That comes with the territory. I'll admit to the rush sometimes being almost a manic state. This sense of euphoria isn't part of every project but when it is, it is a wonderful thing."
The state of flow
Csikszentmihalyi wrote in his book that certain conditions need to show up to produce flow. The state exists on a spectrum, like any emotion. Whatever creative activity you choose, it must provide an achievable challenge. The activity must:
- Have clear goals and rules
- Provide consistent feedback
- Require intense concentration
- Be within your skill set
- Present a surmountable challenge
By structuring your environment in this way, you can make it easier to achieve flow state and control your quality of experience.
Translating this to the content process
The typical content-creating process is not ideal for flow, is it? Let's see if this sounds familiar.
- You don't really have a goal in mind because you're not even sure what impact your content is having.
- You create content when you can. You're busy. Immersing yourself in anything is out of the question.
- Cranking out another video or podcast seem routine. There is not much of a challenge any more.
Csikszentmihalyi said that achieving flow "is not a battle against the self. It is really a battle for the self; it is a struggle for establishing control over attention."
As I look back at the times in my life when I had creative flow, I can see that my life and my goals lined up in a way where my attention could be totally focused the goal. That's hard to do in our busy world, isn't it?
Let's see if we can translate this in the ideal conditions for content creation flow.
1. You have to be relaxed
In these flow times my mind was not distracted with daily worries. My best writing comes over vacation periods where work is set aside and I can truly concentrate. Flow won't come if you're stressed.
Gretchen Knode told me flow comes through "Enjoying the process of creation. Creating to create it is a joy and every time I do it for the joy of it. I'm in the flow and hours can go by without me noticing."
Reader Nick Harrison adds: "For me a lot of time it's scotch or whiskey, headphones and darkness. No email or phone. It makes me use a different part of my brain if that makes sense."
2. You must be focused
Many of our greatest writers had to leave their environment to achieve flow. They escaped to the mountains, the ocean, or a forest cabin. That's not practical for most people, especially if you have a family. For me, I simply found a silent place and closed the door.
Reader Susan Baier uses an app to help her get focused: "I use Brain.fm and it really helps me stay focused and get a lot done. I tried it when a friend recommended it, and didn't expect too much but I have noticed a dramatic difference when I'm needing to power through something that requires intense concentration."
My friend Chel Wolverton says she has to be emotionally connected to the project to focus "And sometimes I use music as a drug to put me in that emotional space I want to be in."
3. Passion
When I wrote The Content Code, I was literally obsessed with the topic. I knew most marketing content is being swallowed by Content Shock and I was determined to find the answer. I'm a marketing strategist and I love hard problems. I could not stop thinking about the "post-content strategy."
By comparison, I actually started writing another book just a few weeks ago. I spent three solid days working on it and stopped. There was no flow because there was no passion. I was not possessed by the topic. Well … maybe I got a few good blog posts out of it!
My friend Kathy Klotz-Guest agrees that flow comes from passion: "Flow comes from being lost in the topic. Caring so much about the topic because I picked something not for SEO or clicks, or whatever. But because I gave a shit. Be passionate about something and that makes all the difference."
4. Build in goals and feedback
Reader Ian McIntosh said that the culmination of practice toward a goal helps him achieve peak performance: "I achieved flow in music when I was studying and playing professionally. The best is when you gain that moment of synchronicity with a group that brings the musicians and audience to tears. I remember one performance when the conductor almost couldn't finish the piece.
"I now strive to achieve it in photography, although it's a different sensation… Knowing that I've captured a defining image, then working on it in my editing suite until what I see in reality and my mind's eye are in harmony."
When I was writing my book, I kept a spreadsheet to measure the number of words I was writing each day and the overall goal for the book. In some ways, this was like an athletic event. I had a defined time to finish the book and it was a race to the finish.
Perhaps this is one of the biggest challenges on a day-to-day basis. What stretch goals can we set for the content creation process? What can drive us out of our routine and provide an energizing challenge?
Here are some ideas for achievable content stretch goals:
- Thoroughly covering a topic that has never been covered before.
- Creating a productivity goal like a number of words or blog posts in a certain time frame.
- Setting a goal for a new platform like creating five videos in a month instead of blogging.
- Achieving a new level of recognition by creating a piece of content that earns a new level of social sharing.
- Writing a piece of content that is accepted by a premium publisher like Harvard Business Review, an industry journal, or your favorite blog (I guess that would be {grow} right?)
What do you think? Is there flow in your future? And here's a big question — Can you build this environment into a corporate workplace?
Illustration courtesy Flickr CC and Andy Mangold
Book link is affiliate link
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