text:
LGBT Financials: In the year since the landmark U.S. Supreme Court decision mandating states must permit same-sex marriages, LGBT households are changing and marriage equality has simplified finances for many, according to the 2016/2017 LGBT Financial Experience survey by Prudential. Commentary from survey respondents suggests this is due to simplified taxes, insurance coverage and estate planning. Despite agreement on the importance of saving for the future, in comparison to the general population, fewer LGBT respondents have retirement accounts, life insurance or a will or estate plan.
Transgender Rights: As discussed in our earlier blog post Where Insurance Meets Transgender Rights, recent federal and state rulings pertaining to the rights of transgender individuals (including laws restricting restroom access) raise a number of issues, and there are potential insurance implications to consider. While this is an evolving area of law and liability for businesses and municipalities everywhere, insurers—and the policies they write—will no doubt be implicated. Businesses need to know what their state or municipality has enacted on this issue and establish a coherent nondiscriminatory policy to minimize their liabilities.
Corporate Equality: A record 407 businesses, including 27 insurers scored 100 percent in the Human Rights Campaign Foundation's 2016 Corporate Equality Index (CEI) based on their workplace policies, benefits and practices pertinent to lesbian, gay, bisexual, transgender and queer employees. The number of insurers achieving the top ranking has seen a steady increase over the last decade. A total of 851 businesses were rated in the 2016 CEI. Some 165 of the Fortune 500-ranked businesses achieved a 100 percent rating.
Have a safe and Happy Pride!]]>
In fact, insurers paid out $790 million in lightning claims last year to nearly 100,000 policyholders, according to a new analysis by the Insurance Information Institute (I.I.I.) and State Farm.
Damage caused by lightning, such as fire, is covered by standard homeowners policies and some policies provide coverage for power surges that are the direct result of a lightning strike.
As James Lynch, vice president of information services and chief actuary of the I.I.I. says:
"Not only does lightning result in deadly home fires, it can cause severe damage to appliances, electronics, computers and equipment, phone systems, electrical fixtures and the electrical foundation of a home."
It's due partly to the enormous increase in the number and value of consumer electronics that the average cost per claim has continued to rise, Lynch explains.
There were 99,423 insurer-paid lightning claims in 2015, down 0.4 percent from 2014, but the average lightning claim paid was 7.4 percent more than a year ago: $7,497 in 2015 vs. $7,400 a year earlier.
The average cost per claim rose 64 percent from 2010 to 2015. By comparison, the Consumer Price Index (an inflationary indicator that measures the change in the cost of a fixed basket of products and services, including housing, electricity, food, and transportation) rose by 9 percent in the same period.
In recognition of Lightning Safety Awareness Week (June 19-25), the I.I.I. and the Lightning Protection Institute (LPI) encourage homeowners to install a lightning protection system in their homes. These systems are designed to protect the structure of your home and provide a specified path to harness and safely ground the super-charged current of the lightning bolt.
The growing market for smart home technology makes installing a lightning protection system even more important, noted the I.I.I. It is also an opportunity for designers, builders and code officials to include lightning protection systems in their plans.
Kimberly Loehr, director of communications for the LPI adds:
"Just as smart homes provide the ultimate in safety and comfort, lightning protection systems ensure that state-of-the-art home automation systems aren't damaged by direct or nearby lightning strikes."
While there is uncertainty over what a Brexit could mean for the UK economy and for London, there is also uncertainty over what it would mean for the United States and for U.S. companies.
The Los Angeles Times reports that while the U.S. economy is better insulated than most from the risk of market turmoil, the Brexit referendum has added to uncertainties in a presidential election year and to lingering concerns about China's economic slowdown.
A lot of U.S. companies have something to lose if the UK decides to leave the EU, with the banking and insurance sectors among those most likely to be affected, according to this CNBC report.
Some U.S. companies have moved not just parts of their operations but whole headquarters from the U.S. to the UK, CNBC says.
For example, the world's largest insurance broker Aon, relocated its corporate headquarters to London from Chicago in 2012, in a move designed to give the company greater access to emerging markets through London.
Aon told CNBC in a statement:
"If Britain votes to leave the European Union, the innovative center of excellence that has set London apart in the insurance space will be deeply challenged.
"Talent is a true differentiator for the city of London, and to create a barrier between the industry that addresses the world's most complex risks and the global talent needed to do this will have real implications."
If companies lose the ability to passport their services into Europe, they may decide to move their European hubs and staff out of London and the UK, which would lead to significantly higher operational costs.
The London insurance market has been very vocal on why remaining in the EU is the best outcome for insurers.
As Lloyd's chief risk officer Sean McGovern said earlier this year, the London market is currently the largest global hub for commercial and specialty risk—controlling more than £60 billion ($88 billion) of gross written premium.
And the UK's membership of the EU gives it access to the world's largest insurance market with a world market share of nearly 33 percent and total insurance premiums of nearly Euros 1.4 trillion ($1.6 trillion).
In a recent paper, Lloyd's, the International Underwriting Association and Fidelis warned that Brexit poses a significant threat to London insurance jobs and business.
Read more about the insurance sector impact of a Brexit in this analysis by London law firm Clifford Chance.
Aon's full statement on the EU referendum is available here.]]>
It finds that the direct costs commonly associated with data breaches, such as regulatory fines, breach notification and protection costs, and public relations costs account for less than 5 percent of the total business impact.
But the effects of a cyberattack can be even more far-reaching and last for years, resulting in a wide range of hidden or intangible costs related to loss of intellectual property, operational disruption, increase in insurance premiums, and devaluation of trade name.
In fact more than 95 percent of the financial impact of a cyberattack is likely to accrue in these areas and businesses can be caught especially unprepared for these intangible costs.
In a press release, Don Fancher, principal, Deloitte Advisory, and global leader for Deloitte forensic, says:
"Rarely brought into executive and board conversations around cyber risk are the costs and consequences of IP theft, cyber espionage, data destruction, or business disruption, which are much harder to quantify and can have a significant impact on an organization.
"Our intent is not to scare executives into thinking that all cyber incidents will be more costly than they think. It's to give them a better understanding of their specific risks so they can make more educated decisions that are aligned with their business strategies."
Find out more about cyber risks and insurance in this Insurance Information Institute paper.]]>
Aon Benfield's latest Global Catastrophe Recap Report notes that the Fort McMurray wildfire in Alberta, Canada, will become the costliest disaster in the country's history.
Insured losses—including physical damage and business interruption—are expected to be in excess of $3.1 billion, while total economic losses will be well into the billions of dollars.
The fire charred more than 580,000 hectares (1.43 million acres) of land and destroyed at least 10 percent of Fort McMurray, including more than 2,400 homes and other structures.
Remarkably, no direct casualties were reported from the event as it prompted the largest evacuation in the history of Alberta.
Adam Podlaha, global head of Impact Forecasting, says:
"The severity of wildfire damage in Fort McMurray is an unfortunate reminder of how significant insurable losses can be from the peril."
"Since this is just the sixth individual global wildfire to surpass the billion-dollar threshold for insurers, there is not a lot of precedent for a fire event of this magnitude."
Check out Insurance Information Institute wildfire facts and statistics here.
Elsewhere, severe weather and flooding in Europe where the storm 'Elvira' swept across parts of northern Europe between late May and early June caused most damage in Germany, France, Austria, Poland and Belgium, where floods impacted many major metro regions, including Paris.
Preliminary estimates from industry associations in France (MAIF) and Germany (GDV) put the estimated combined minimum claims payouts at in excess of $2.3 billion, while overall economic damage is tentatively estimated at $4.6 billion.
May also saw no fewer than five outbreaks of severe convective storms in the United States, affecting parts of the Plains, Midwest, and Mississippi Valley. Storm-related flooding also caused major damage in parts of Texas.
Total aggregated insured losses were estimated at over $1 billion, Aon's Impact Forecasting unit said.
Meanwhile, Cyclone Roanu brought torrential rain to Sri Lanka, eastern India, Bangladesh, Myanmar and China during May, damaging or destroying nearly 125,000 homes and structures across all five countries. Estimated reconstruction costs were put at $1.7 billion, though insured losses are substantially less due to low insurance penetration.
Even after all that, May was not done, with other notable natural hazard events around the globe, including:
—Five separate instances of flooding impacted China as aggregated economic losses topped $1.5 billion. Most of the damage was attributed to agricultural interests.
—Other major flood and landslide events in May were reported in parts of Hispaniola, Kenya, Tajikistan, Afghanistan, Rwanda, Ethiopia, India and Yemen.
—Tropical Storm Bonnie brought heavy rainfall to portions of the Carolinas and Georgia in the United States at the end of May and into June. Total economic losses were expected to be minimal.
—Earthquakes in Ecuador and China caused damages to thousands of homes and a winter weather outbreak in northern China caused damage to crops totaling $61 million.]]>
But as the latest storm surge analysis from CoreLogic indicates, it is where a hurricane hits land that is often a more important factor than the number of storms that may occur during the year.
More than 6.8 million homes located along both the Gulf and Atlantic coasts of the United States are at risk of hurricane-driven storm surge, with a total reconstruction cost value (RCV) of just over $1.5 trillion, according to CoreLogic.
But the disproportionate numbers of at-risk homes in just 15 major metropolitan areas means that where the storm makes landfall can make all the difference in terms of property damage and loss of life.
CoreLogic's analysis reveals that some 67 percent of the 6.8 million total at-risk homes and 68 percent of the total $1.5 trillion RCV is located within 15 major metropolitan areas.
That's 4.6 million homes, with total RCV of just over $1 trillion located in urban centers along the Gulf and Atlantic coasts including Miami, New York City, New Orleans, Houston, Philadelphia, Charleston and Boston.
The Miami metro area, which includes Fort Lauderdale and West Palm Beach, tops the list with 780,482 at-risk homes and an RCV of $143.9 billion.
By comparison, the New York City metro area has slightly fewer homes with potential storm surge risk at 719,373, but a significantly higher RCV totaling $260.2 billion.
As CoreLogic says:
"History has shown us that a single low-level storm can cause substantial property loss and potential loss of life it it occurs in or near an area of dense development."
It's important to note that properties located outside of designated FEMA flood zones may still be at risk for storm surge inundation.
However, only homes located within FEMA-designated high risk flood areas are required to carry flood insurance through the National Flood Insurance Program.
A 2015 poll by the Insurance Information Institute found that 14 percent of American homeowners had a flood insurance policy. This percentage has been at about the same level every year since 2009.]]>
NOAA predicts a 70 percent chance of 10 to 16 named storms (winds of 39 mph or higher), of which 4 to 8 could become hurricanes (winds of 74 mph or higher), including 1 to 4 major hurricanes (Category 3, 4 or 5; winds of 111 mph or higher).
It calls for a 45 percent chance of a near-normal season, but there is also a 30 percent chance of an above-normal season. The likelihood of a below-normal season is at 25 percent.
In the words of Dr Gerry Bell, lead seasonal hurricane forecaster with NOAA's Climate Prediction Center:
"This is a more challenging hurricane season outlook than most because it's difficult to determine whether there will be reinforcing or competing climate influences on tropical storm development.
"However, a near-normal prediction for this season suggests we could see more hurricane activity than we've seen in the last three years, which were below normal."
To put that in context, the 2012 Atlantic hurricane season was extremely active and tied with 1887, 1995, 2010 and 2011 for having the third-most named storms on record.
Insurers paid out more than $26 billion in hurricane losses that year, including Superstorm Sandy which caused $19 billion in insured property losses.
With Bonnie threatening to develop into a tropical storm over the Memorial Day weekend, the Atlantic could have its second storm before the official start of hurricane season, which starts June 1, as the Insurance Information Institute reminds us here.
Bear in mind that NOAA's outlook includes Hurricane Alex, a pre-season storm that formed over the far eastern Atlantic in January.
With El Niño dissipating, NOAA's Climate Prediction Center forecasts a 70 percent chance that La Niña— which favors more hurricane activity — will be present during the peak months of hurricane season, August through October.
However, current model predictions show uncertainty as to how strong La Niña and its impacts will be.
Check out this earlier post over at Artemis blog about the potential impact of La Niña.
As we've said before, regardless of predictions and outlooks it pays to be prepared and this year's hurricane season is no different.
Check out I.I.I. facts and statistics on hurricanes.]]>
The publication is based on the SONAR process, an internal crowdsourcing tool that collects inputs and feedback from underwriters, client managers, risk experts and others to identify, assess and manage emerging risks.
Increased localization of internet networks within country borders is one of the key emerging risks that industry players should prepare for, the report suggests.
It notes that as cybercrime has grown rapidly, so the Internet has become less safe and governments are instituting more regulation, requiring companies to protect their online assets more effectively and to store data on servers physically located within their geographical borders.
Some countries are even using special software to filter out unwanted information, firewalls and isolated IT infrastructure detached from global networks, Swiss Re reports.
"A step further in this direction is the design and development of internet protocols which make certain communications impossible. In China, for instance, the government already controls all Internet content as well as the physical infrastructure."
While no international consensus has emerged yet on how the internet should be governed, the report reveals that there is a chance that disconnected national and regional nets will become more common.
As Swiss Re says:
"Such developments would increase IT costs and regulation and would hurt insurance companies operating across borders."
In particular, the report highlights that evolving regulation would increase operational risk and could trigger more liability claims in the directors and officers (D&O) and fidelity arena, as well as massively increasing costs for setting up and maintaining separate legal structures.
Another concern is that technology companies may face liability suits from customers if they are no longer able to access data stored on cross-border servers.]]>
Recent federal and state rulings pertaining to the rights of transgender individuals raise a number of issues, and there are potential insurance implications to consider.
In March North Carolina passed a controversial law (HB 2) requiring transgender individuals to use public bathrooms that correspond to their gender at birth. This led the U.S. Justice Department to send a letter to North Carolina leaders saying the law violates the U.S. Civil Rights Act and Title IX.
More than 150 CEOs and business leaders of major companies voiced their opposition. PayPal withdrew its plans for a $3.6 million investment and 400 jobs in the Tar Heel state.
Also in April, in a landmark ruling on transgender students' rights in schools, the Fourth Circuit Court of Appeals in Virginia decided that the U.S. Department of Education can prohibit anti-transgender discrimination under Title IX, a federal law that prohibits sex discrimination in education. (G.G. v Gloucester County School Board)
In the wake of this ruling, President Obama issued a directive instructing public schools to allow transgender students to use the restroom that matches their gender identity.
Meanwhile, several federal agencies have issued strong opinions on the issue of discrimination and transgender rights, for example:
—The U.S. Department of Health and Human Services has ruled that hospitals, clinics and other healthcare providers cannot discriminate against patients on the basis of gender identity.
—U.S. Attorney General Loretta Lynch has made clear that laws restricting restroom access that affect transgender individuals are discriminatory.
—The Departments of Justice and Education issued a joint letter to public schools explaining how federal law prohibiting sex discrimination affects schools' obligations toward transgender students.
—The U.S. Equal Employment Opportunity Commission (EEOC) has sued several employers over their treatment of transgender employees, including restroom access, on the basis that alleged conduct violates Title VII of the Civil Rights Act of 1964, which prohibits sex discrimination, i.e.. employment discrimination based on gender identity or sexual orientation.
While this is an evolving area of law and liability for businesses and municipalities everywhere, insurers—and the policies they write—will no doubt be implicated.
Industry experts say it's critical that businesses find out what their state or municipality has enacted on this issue and establish a coherent nondiscriminatory policy to minimize their own liabilities.
In a recent PodCast with A.M. Best on the legal issues surrounding transgender restroom access Brian Cafritz, a partner at Kalbaugh, Pfund & Messersmith Law P.C. said there could be potential implications for commercial general liability policies that cover slander, defamation, assaults, or other discrimination acts.
Cafritz also noted that as federal laws change, negligent hiring or retention claims could be raised impacting the insurance policies that cover these entities.
School districts and municipalities in particular face rising potential liability. A recent brief by Munich Re noted that policy coverage that might be impacted by transgender litigation against school personnel include:
—General liability: physical bodily injury and/or mental anguish, mental injury
—Personal Injury: defamation of character, violation of privacy rights
—Wrongful Acts – tortious error, act or omission
Workplace issues as they relate to transgender employees was a topic of discussion at the recent RIMS conference session, as reported by Business Insurance.]]>
In their commentary on the industry's 2015 year end results, Drs. Hartwig and Weisbart note that overall industry capacity remains near an all-time record high.
"Overall industry capacity (policyholder surplus) slipped slightly to $673.7 billion as of December 31, 2015, but was still extraordinarily strong, as measured by a premium-to-surplus ratio of 0.76—virtually the strongest it has ever been."
They go on:
"Thanks to a surging stock market until 2015, policyholders' surplus has generally continued to increase with the end of the Great Recession and three consecutive years without large-scale catastrophe losses. But the lack of stock gains in 2015 ended (or at least stalled) this trend."
At $673.7 billion as of December 31, 2015, policyholders' surplus was down $1.5 billion or 0.23 percent from year-end 2014.
The bottom line is that the industry is extremely well-capitalized, even in the face of disaster.
As the I.I.I. reports:
"The fact that the P/C industry was able to rapidly and fully recoup its losses to surplus even in the event of disasters like superstorm Sandy (which produced $18.8 billion in insured losses in 2012) is continued evidence of its remarkable resilience in the face of extreme adversity."
Other takeaways of the industry's 2015 year end results: moderate profits in 2015, as measured by a return on average surplus of 8.4 percent, virtually the same as in 2014; modest premium growth (net written premiums in 2015 crossed the half-trillion-dollar mark to $514.0 billion, although the rate of increase slipped slightly to 3.4 percent growth from 4.2 percent in 2014); and a below-100 combined ratio for the fourth straight year (97.8 in 2015, compared with 97.0 in 2014).
The industry results were released by ISO, a Verisk Analytics company, and the Property Casualty Insurers Association of America (PCI).]]>


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Helen Flanagan
After a good decade of being on the internet every day we're pretty used to pop-ups telling us where the nearest single/semi-naked person is and exactly how to meet them. Helen Flanagan took this one step further than most of us and went to photograph the people she came across on sex sites and adult pop-ups. We caught up with her to ask her a few questions about this secret and incredibly fascinating project.
How did this project begin?
I wanted to meet new people to photograph and thought the internet was the best resource. I was fascinated by these advertisements that would pop up on the side of my browser and researched more into it.
What exactly were you looking for?
I was looking for anyone willing to be photographed. A lot of the people I encountered wanted more and I had to make clear that it was strictly only photographs I wanted for my university project. It did lead to potential risky situations, but that is necessary and part of the thrill.
How difficult was it to find willing subjects?
Most people weren't interested and didn't understand why I was on there if I didn't want to, ahem, 'get it on.' Others were intrigued, wanted photos for their profile or generally just wanted to meet up and chat with someone.
What was the protocol upon meeting the subjects in person? How much time did you spend with each one?
We would arrange a meeting time and I would always go to them, either shooting in their home or chosen location. Sometimes the encounters were brief but there were others who wanted to chat longer, so it would vary from anywhere between 20 minutes to a couple of hours.
What do you think portrait photography can bring to such an anonymous topic?
I find it interesting how the onlooker may view and assume so much about these individuals. Despite these people being strangers there is an obvious openness and willingness to be photographed which is fascinating in its own right. I wanted to deal with them sensitively by photographing them in their homes. By offering the sitter a space they felt comfortable in, it allowed for barriers to be slowly drawn and for the images to be revealing of their own character.
Many of these strangers had their own deep stories to share so I decided to write about them. Beneath the sexual facade lies the simple human desire to be wanted and heard.
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- Lynnie Zulu decorates her exotic characters in punchy hues and patterns
- Mark Manzi makes a spectacle of spectators at the Queen's 90th Birthday
- French studio Large's confident and consistent designs for electronic music mag Trax
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- Reactions to the referendum and our weekly Best of the Web
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- Pop, subcultures and the future of graphic design: an interview with Experimental Jetset
- Oliver Curtis photographs the world's most famous monuments, the wrong way round

subset: commoncrawl


text:
Capezio Little Girls Lavender Camisole Gymnastic Dance Leotard 6-14A camisole leotard from Capezio with adjustable straps!
This item does not ship outside of the United States.
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Brand: Capezio
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Who to Start Message Board
Steve Slaton, ronnie Brown or chris Henry in flex spoition
Have Slaton in the position now, but Henry had a great preseason 4 tds, and Brown is BrownSort: Newest | Oldest | Most Replied Expand all replies
Who are your RB's where Slaton is your flex and Brown is on bench.
10 team league, but someone put him on wavers and i picked him up. not sure if someone was trying to cheat, but i was higher in the waver order. Have Deanago and chris Johnson starting RBs
- 2 Replies to Mr Mr
man i would start slaton he's gonna have a big year
Teabaggin' Squirrel Teabaggin' Squirrel Sep 4, 2009 3:46 PM Flag
invite me to this league next year.
are u in a 4 man league where a top 10 back is a flex player
- 1 Reply to double G
ahaha exactly what i was thinking
definitely slaton
A Yahoo! User Sep 4, 2009 3:10 PM Flag
Slaton...nice league where he's your flex.
slaten no doubt
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We will know boy or girl. U/s got moved up to Thursday from the 15th. :-)
in 3 days....
Posted 11/06/2012
I got my quad results back and they were negative (normal) so I feel relief that baby is healthy... Gender won't be known until either Thanksgiving dinner or the 20 at 3:45 if I can't wait :-) I am hoping for a girl but I think I'm having a little boy. We will see!
Posted 11/06/2012
Mine is not until12/10. So far away. Jealous. :)
Expecting our first, a boy due 4/19/13!
Posted 11/06/2012
I'm so jealous! I haven't even scheduled my U/S yet. It probably wont be until Dec. :( Maybe at my OB appt. tomorrow I can at least schedule the U/S.
Heather mommy to Brady 4/22/10 and Camden 4/25/13
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Mesa Flea Markets
Thrive Market.
Never Pay Full Price Again.
Always 25-50% Off Organic Products
1. Asian Market
1116 S Dobson Rd Ste 117Mesa, AZ 85202
2. Mesa Market Place Swap Meet
10550 E Baseline RdMesa, AZ 85209
From Business: Since 1996, Mesa Market Place Swap Meet has been a landmark, and next to Chicago Cubs Spring Training, is one of Phoenix' east valley's most popular shopping destin…
3. Apache Trail Swap Meet
9452 E. Main StMesa, AZ 85207
From Business: The Best little Swap Meet / Flea Market in the East Valley
4. Thieves Market Vintage Flea
1500 N McClintock DrTempe, AZ 85281
5. Park 'N Swap
3801 E Washington StPhoenix, AZ 85034
6. Adam's Flea & Tick Treatments
301 W Osborn RdPhoenix, AZ 85013
7. Megs Bazaar
5301 S Superstition Mountain Dr # DGold Canyon, AZ 85118
8. Flea Market Fabulous
13012 N Cave Creek RdPhoenix, AZ 85022
9. Lincoln Market
3497 W Lincoln StPhoenix, AZ 85009
10. Komatke Market
51ST AveLaveen, AZ 85339
11. Ventura Market
They charge food tax on grocery items when there is no food tax in this area. Just a scam to make extra money. Go somewhere else.
12. Northside Market
15601 N Greasewood StSurprise, AZ 85378
13. Goodyear Market Place Swap Meet
17605 W McDowell RdGoodyear, AZ 85395
14. Mias Ok Market
My Partner dropped a bottle of apple juice , she is disabled, and the old women who runs the store made her clean it up. She (the od lady) regularly…
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Betuls Bhimpur gets gift of tahasilBhopal, Jun 15: Chief Minister Shri Shivraj Singh Chouhan distributed forest rights certificates to 3195 beneficiaries at Forest Rights Convention and Antyodaya Mela during Shabri Mata Mahotsav at Bhimpur in Betul district today. He also distributed ... Newshence.com, 2 weeks ago
2 children drown in pond in Ballia
Ballia May 18 (UNI) Two children drowned in a pond in Bhimpura area of this Uttar Pradesh district, police sources said here today. Ansh Yadav (4) of Baharpur village had came to his maternal grandmother's Titiha village of Shahpur. The boys ...United News of India, 1 month ago
Youth beaten up on suspicion of transporting beef
PUNE: Two youths filed cross-complaints over suspicion of ferrying beef and ransacking of a car at the Airport police station on Sunday. Shivshankar Swami (23), a city-based activist, stopped a pick-up van on suspicion that it was carrying beef at ...Times of India, 1 month ago Muslim youth beaten up on suspicion of transporting beef Siasat Daily, 1 month ago
PCB to build new school to admit more students
PUNE: In order to admit more students, the Pune Cantonment Board (PCB) will build one more school and repair the existing eight. The board said it would shift the students to a new building during the repair work. PCB has been under pressure to ...Times of India, 1 month ago
Cantonment residents get FSI boost
DEFENCE MINISTRY APPROVES NEW PROVISIONS FOR PUNE, KHADKI, DEHU ROAD MILITARY AREAS Now, as per long-pending request, residents can build new houses of same area as existing ones, attracting the attention of builders and developers The defence ...Pune Mirror, 1 month ago
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Hotels near Five Ways Clock
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Last minute Birmingham deals
- Best Western Plus Manor Nec Birminghamfrom $79$44
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Trending now in Birmingham
- Most bookedBirmingham Marriott Hotel
376 people looked at this hotel in the last hour
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"Great central location. Hotel staff very helpful. King room was good. Bed firm but comfortable for us. Would stay here again."
A Traveller, May 2016, CA
311 people looked at this hotel in the last hour
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"The stay was the best I've had so far in the city. Easily accessible and perfectly located the staff were extremely pleasant and super helpful. Hotel room was more than what I had expected and was close to all the necessities. Would definitely recommend and will be staying again"
A Traveller, Jun 2016, GB
278 people looked at this hotel in the last hour
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"lots to do and loads of restaurants and bars within walking distance"
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"Pleasant stay for one night, standards were excellent, no complaints A++"
A Traveller, Jun 2016, GB
- Park Regis Birmingham
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191 people looked at this hotel in the last hour
- SACO Birmingham - Brindleyplace
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Map of hotels near Five Ways Clock
- National Exhibition Centre (NEC)
- Brindleyplace
- Barclaycard Arena
- Jewellery Quarter
- Drayton Manor Theme Park
- International Convention Centre (ICC)
- Bullring Shopping Centre
- Edgbaston Cricket Ground (Edgbaston Stadium)
- Broad Street
- LG Arena
- University of Birmingham
- The Mailbox
- Cadbury World
- Belfry Golf Club
- Arcadian Centre
- Aldridge
- StarCity
- Aston University
- Symphony Hall
- Black Country Museum
Hotels in Birmingham near Five Ways Clock
Are you looking for a cheap Five Ways Clock hotel, a 5 star Five Ways Clock hotel or a family friendly Five Ways Clock hotel? You just landed in the best site to find the best deals and offers on the most amazing accommodations for your stay.
When you search for hotels near Five Ways Clock with Hotels.com, you need to first check our online map and see the distance you will be from Five Ways Clock, United Kingdom.
Our maps are based on hotel search and display areas and neighborhoods of each hotel so you can see how close you are from Five Ways Clock and refine your search within Birmingham or United Kingdom based on closest public transportation, restaurants and entertainment so you can easily get around the city. All the hotels details page show an option for free or paid onsite parking.
If you wish to see the hotels with the highest featuring discounts and deals near Five Ways Clock, simply filter by price/ average nightly rate. We recommend you filter by star rating and read our genuine guest reviews so you can get the best quality hotel with the best discount.
One of the new features on Hotels.com guest reviews is that also show reviews from Expedia for Five Ways Clock hotels and the TripAdvisor Five Ways Clock hotels reviews so you can make sure that you checking with a reliable source. See the review scores on our Birmingham hotel information pages.
Make the most out of your family vacation when you book your accommodation with Hotels.com – book your hotel near Five Ways Clock, Birmingham after reviewing the facilities and amenities listed for each hotel.
After booking your hotel near Five Ways Clock, expect to receive your reservation confirmation in the mail in less than 10 minutes. The confirmation email contains more information on all nearby attractions, local directions and weather forecast, so you can better plan the days during your trip.
After getting the best hotel rates you can still save more by winning 1 free night! That's right, book 10 nights in any hotel near Five Ways Clock, Birmingham and after you sign up for the Welcome Rewards program, you are eligible hotel you receive 1 night free*
The best hotel deals are here: We have Five Ways Clock hotel deals, Five Ways Clock last minute deals and offers to get you the cheapest Five Ways Clock hotel with our lowest price guarantee.
Birmingham travel guides
Nightlife & Entertainment in Birmingham
It's no surprise that a city with 5 universities, and where almost half the population is under-25, ...
Family Friendly Attractions in Birmingham
Birmingham may be a big city, but with so much to explore it's great for little people, too. Whether...
Arts and Culture in Birmingham
Offering everything from genre-defining heavy rock history, to breathless, spinning ballet performan...


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The Rebel Training Academy attraction, unrelentingly considered to be the only good attraction at Disneyland
Learn to fade like a Rebel at the hands of a real Rebel trainer. Youngsters will even be forced to try plastic-sword warfare with the immoral Darth Maul!
You shouldn't try Pirate Mode
© copyright 2011–2016
A Pants Aflame production


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My friend and I leave tomorrow, so I recognize that this is probably a bit late. Our trip to the parks is pretty much planned out, but if you have any good day hikes, I'm open. We'll have Internet access on the way there. My big question is this: After our last night in Yellowstone, we're staying in Bozeman, but we haven't chosen a place to stop on the way back from Bozeman to Tahoe. It's about a 14 hour drive, so we'd like to break it up. Any cool towns between Bozeman and Tahoe that you can recommend? We are VERY low maintenance: both teachers and originally from Michigan and Ohio, so camping and cheap motels are our style, but we love a quirky town possibly with a good bar or brewery!! Thanks for any ideas that you might throw our way!
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I don't know why you are going all the way to Bozeman when your route to Tahoe will take you back through West Yellowstone which should have lodging.
If you are looking for a quirky place to stay try Rigby Idaho.
They call themselves the "home of television". http://www.roadsideamerica.com/story/2958
Your other choice is Pocatello.
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I like Boise, thought the Corkscew Wine Shop and Pub was fun even if is actually in Meridian and I've read good comments about M's Wine Bar in Boise... or, a bit out of your way, the Ketchum/Sun Valley area.
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Easy Forex provides an online trading platform, enabling clients to trade in derivatives and foreign exchange rates over the internet. This facility provides clients with direct access to our system to enable them to buy and sell currency rates to protect... more
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No minimum for My Best Buy® Elite and Elite Plus members. Minimum purchase of $35 on eligible products required. Excludes select digital items, scheduled delivery items and items displaying "In Store Only" message.Learn more
Casio - Financial Calculator w/ Direct Mode Key - Silver
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Round 16: How the teams match upPanthers v Rabbitohs Friday, 7.50pm, Pepper Stadium Panthers: 1 Matt Moylan 2 Josh Mansour 3 Waqa Blake 4 Tyrone Peachey 5 Dallin Watene-Zelezniak 6 Bryce Cartwright 7 Nathan Cleary 8 Leilani Latu 9 Peter Wallace 10 Reagan Campbell-Gillard 11 ... Sydney Morning Herald, 1 week ago
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2016 area all-district baseball teams
AREA ALL-DISTRICT BASEBALL HONOREES • District 13-6A MVP: Tyler Clark-Chiapparelli, jr., SS-P, McNeil. Newcomer of the year: Chad Dixon, soph., OF-P, Westwood. Coach of the year: Andrew Dawson, McNeil. First team: Grant Miller, jr., P, Round ...Austin American Statesman, 1 week ago
Landscape Institute welcomes 58 new CMLI
Following the Chartership exams held in May, the Landscape Institute are delighted to welcome 58 new Chartered Members, who all satisfied the LI's standards of knowledge and expertise. This pass rate remained at 76%, the same as in the last ...Pro Landscaper, 2 weeks ago
SuperCoach teams analysis round 14
SUPERCOACHES breathed a sigh of relief after the second most popular player in the game, Latrell Mitchell, was named for the Roosters despite an ankle injury. Mitchell could have returned to the field on Sunday against the Tigers, but wasn't ...Perth Now, 3 weeks ago SuperCoach teams analysis round 13 Herald Sun, 4 weeks ago
NRL Lowdown: Who's firing, who's failing?
Footy FormNRL Lowdown: How is your team faring after Round 13June 6, 2016 3:46pmNews Corp Australia Network Footy FormNRL Lowdown: How is your team faring after Round 13June 6, 2016 3:46pmNews Corp Australia NetworkBrown's stomp avoids charge0:44 ...Herald Sun, 3 weeks ago
New Zealand's 43 Olympic Games gold medals - Part 5
recounts how New Zealand has won each of our 43 Olympic Games gold medals. Adams was already a Commonwealth Games champion and had started on her world championship domination of the shot when she arrived in Beijing. She made no race of the ...New Zealand Herald, 3 weeks ago
NRL transfer centre: Battler's big scores
NRLNRL 2016 transfer centre: Your guide to player movements this seasonMay 27, 2016 7:28amStaff writersFOX SPORTS NRLNRL 2016 transfer centre: Your guide to player movements this seasonMay 27, 2016 7:28amStaff writersFOX SPORTSMarket Watch: Dog's ...Herald Sun, 1 month ago
5 notable examples of unparliamentary behaviour
Prime Minister Justin Trudeau (seated) is applauded by members of the Liberal caucus after delivering an apology in the House of Commons on Parliament Hill in Ottawa, Ontario, Canada, May 19, 2016 following a physical altercation the previous day.Canoe Money, 1 month ago MPs behaving badly: a brief history New Hamburg Independent, 1 month ago Bad behaviour is nothing new to the House of Commons. Here are some examples Newstalk 1290 CJBK, 1 month ago
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director of logistics jobs near Brooklyn, NY
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Regional Sales Manager - Chicago/NY/LA/Las Vegas/Philadelphia
ZLiving Inc. - New York, NY
Oversee production/execution logistics. As Zliving Grows, we continue to look for the best and brightest to join this critical and growing part of our business....
Market Research Project Director
PRS IN VIVO - Teaneck, NJ
The Project Director is expected to be the main point of contact for a client when it comes to the logistics of running a study....
Director of Operations
Great Oaks Charter Schools - New York, NY
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ANN INC. - New York, NY
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Experience with JDA/SAS, GT Nexus, Legacy Logistics, or Quantum preferred. Partner with senior management in Logistics and Planning and Allocation to ensure...
Marketing Regional Manager, YP Marketing Solutions (New York City)
YP - New York, NY
Director, National & Regional Marketing. Responsible for managing a variety of logistics & monitoring success of projects by overseeing the budget and tracking...
Director, Support Services Contracting
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3+ years' contracting experience commensurate with facility engineering director, private contracting business owner, project or purchasing manager for a large...
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Work with our 3rd party logistics platform to ensure timely, seamless order processing. Add technical talent (you) to our online team which includes our digital...
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Hospitality Company - New York, NY
Marketing Director also oversees Social Media department. This position includes management of all elements of an event including proposal creation, budget...


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Used Bikes : Bike Works Kona
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Want to print out an application for the Cinco De Mayo swim to drop off at one of our Bikeworks locations? The Application is availible for download at : www.bikeworkskona.com/wp/wp-content/uploads/2016/04/Cinco-de-Mayo-Race-App_-2016-2.pdf
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GOATMAN Off-Road Triathlon - Course Presentation
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Flames pick Dillon Dube at #56
christian tiberi
June 25 2016 08:59AM
With their second second round pick of the morning, the Flames have selected centre Dillon Dube from the WHL's Kelowna Rockets.
Flames select Tyler Parsons at 54th overall
Ryan Pike
June 25 2016 08:52AM
After a bit of waiting, the Calgary Flames have made their second selection of the 2016 NHL Draft. At 54th overall, with the pick obtained from trading Jiri Hudler to the Florida Panthers, they have selected goaltender Tyler Parsons of the London Knights.
Flames Draft Targets: Potential steals in later rounds
christian tiberi
June 25 2016 08:00AM
We are (unfortunately) moving towards the end of our draft coverage. We've focused extensively on the first three rounds, now it's time for the rest.
Instead of throwing darts at a list, we're going to look for the steals of this draft. The Johnny Gaudreaus and the T.J. Brodies of this draft who have slipped for whatever reason. Players who have faced crappy circumstances (bad teams, limited ice time etc.) or scouting biases (too small for the most part) but have good enough production to warrant their names being written down on a Flames draft card.
Instead of a whole profile, we're just going to give you little tidbits on guys the Flames should be focused on during the final rounds of the draft.
Flames snag Tkachuk and Elliott on Day 1 of draft
Ryan Pike
June 25 2016 07:00AM
In the run-up to the first round of the 2016 NHL Draft, we heard all kinds of crazy rumours about the Calgary Flames. In short? The Flames had been connected to basically every team, pursuing every goalie, and were going to trade everything to get everything else.
What ended up happening was a lot less scary, and much more befitting the poker player that is Flames General Manager Brad Treliving: they used their first round pick to grab Matthew Tkachuk and traded their best second round pick to St. Louis to land themselves goalie Brian Elliott.
They needed a starting goaltender and some additional high-end forwards. They got a starting goaltender and a high-end forward. Now they turn the page towards the second day of the NHL Draft (which begins at 8 a.m. MT).
The biggest questions after round one
Pat Steinberg
June 24 2016 11:45PM
Round one of the the 2016 NHL Draft is signed, sealed, and delivered and the Calgary Flames did not disappoint. Not only did the Flames enjoy the good fortune of having Matthew Tkachuk fall to them at six overall, they were also able to acquire goaltender Brian Elliott from the St. Louis Blues for a reasonable price. With round two just around the corner, here are the biggest questions after round one.


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Summer Reading Club
Read like a Badger -- on your mark, get set, read!
Come to any Madison Public Library location or register online to join the Summer Reading Club. Every book or hour read (or read to) counts. Earn great prizes, including free event tickets or free pizza, a science kit, a puzzle challenge sheet and a free book! Learn more over on the Summer Reading Club page.
Summer Kidspages
Check out the library activities for children and families this summer with the online version of Kidspages! Print copies are coming soon to a library near you, or, download a copy from our website (grap it in English or in Spanish). You can also check out the library's Spanish Facebook page, Biblioteca Pública de Madison, for upcoming Spanish and Bilingual programs. Want to receive notices of upcoming events by age? Sign up for our email newsletters - Library Kids, Books for Nine Year Olds, Booked for Teens, Art of the Picture Book, and others.
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We're still on the islands, but I pulled together some photos and info about yesterday's daysail to Tobago Cays. We took the Friendship Rose from Bequia. It was a great trip - we swam with turtles and saw stingrays, blue tang, angelfish and lots of other smaller fish. For us, it was well worth the $125 pp.
Happy to answer questions. I have a lot more posts about my two weeks in Grenada, St. Vincent and Bequia to do!
Recent ActivityView all Caribbean Islands activity »
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Desert Island Dreaming: Tobago Cays daysail
We're still on the islands, but I pulled together some photos and info about yesterday's daysail to Tobago Cays. We took the Friendship Rose from Bequia. It was a great trip - we swam with turtles and saw stingrays, blue tang, angelfish and lots of other smaller fish. For us, it was well worth the $125 pp.
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Where did you see the stingrays Chris? Where the turtles are? We didn't see any rays when we went.
Btw, we went to Boots tonight for our last meal. MmMMmmM yum! Have a safe flight home! We're heading home tomorrow. I tried to change our flight to Monday but all the flights from Miami to DCA/IAD/BWI were full.
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We saw both the turtles and the stingrays right in that roped off area near the island. In fact, one stingray almost hit my foot. That's when I got nervous.
I leave for Grenada tomorrow and have one night there before returning back to DC on Sunday. May stick close to LaLuna and try one of the restaurants there. It's been such a fantastic trip - have really loved these islands!
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Chris, Great website! I bookmarked it so I can go back and enjoy all of your trip reports and pictures.
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You probably won't have enough time from Grenada, but Sandy Cay (off the coast of Curriacou) is a ferry away-cool little "Gilligan's Island).
Tobago Cays are fantastic, aren't they? Gorgeous, no less.
You'll need to go back to see tiny Mopion, a sand bar with an umbrella on top, with views of Union Island in the background, like a mini Bora Bora. Mopion makes me giddy!
Glad you having a good trip, look forward to reading the trip report, I love how you write them!
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One of the two triggers that can be specified by an insured party to protect against losses caused by an accident with a driver who has insufficient insurance. The underinsured motorist coverage limits trigger ensures that in the event of an accident caused by a driver with inadequate insurance, the underinsured motorist coverage comes into effect when the underinsured driver's liability limit is lower than that of the insured person or policy holder. The other trigger for underinsured motorist coverage is the damages trigger.
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Jerry Amante loves to hike water and toll fees, but says he opposes new taxesPosted on May 30, 2010 | No CommentsToll Road Jerry strikes again… We have been beating up on Don Wagner for weeks – but there is another awful Republican running for the 70th Assembly District. That would […]
Presenting Demon Sheep II – the SequelPosted on May 7, 2010 | 4 CommentsJust wanted to be sure Sergeant York gets this first from friends so it will hurt less. "Lit up" much? From the DEMOCRATS:
Tax Day Tea Party Rally to be held in Santa Ana on April 15Posted on March 28, 2010 | 13 CommentsThe Orange County Tea Party Patriots 2010 will be holding a Tax Day Tea Party Rally on April 15, in Santa Ana, at the Plaza Of The Flag, located at […]
Tom Campbell tied with Barbara Boxer, according to new pollPosted on March 16, 2010 | 6 Comments"A new Rasmussen poll out this morning shows Democratic U.S. Sen. Barbara Boxer and Republican challenger and former Congressman Tom Campbell in a dead heat and posting substantial leads over […]
Fullerton Tea Party Draws Small But Energetic CrowdPosted on February 14, 2010 | 5 CommentsSeveral hundred people showed up for an "paycheck protection" rally yesterday behind the Slidebar in Fullerton's Transportation Center. The small but enthusiastic crowd got to hear from several state and […]
Carly Fiorina says women are a majority and Jesse Jackson is a gracious guyPosted on January 24, 2010 | 4 CommentsCarly Fiorina wants us to know that women are a majority and Jesse Jackson is a gracious guy Is Carly Fiorina, the wealthy Republican running for the U.S. Senate seat […]
DeVore down to 6% of the vote, will he drop out?Posted on January 21, 2010 | 11 CommentsIs DeVore going to hang up the phone now that he is down to 6% of the vote? What a surprise! Tom Campbell recently switched from the Governor's race to […]
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text:
At IBC2004, Tektronix will show its broad range of video and MPEG test, monitoring and measurement products.
The company will show enhancements to its Waveform Rasterizer family. Supporting mixed analog and digital, video and audio environments and fitted with alarm and logging capabilities, these products use the Tektronix FlexVu technology and comprehensive error alarms and logging.
The company also will show its recently launched SPG600 and SPG300 sync signal generators, using Stay GenLock technology, and its AD953A portable MPEG-2 test system.
See Tektronix at IBC2004 in stand 9.429.
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