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Bankruptcy reform could help hard-up homeowners
Debt-ridden homeowners, driven to the brink of foreclosure by rising mortgage payments, mounting bills and inadequate income, increasingly are turning to bankruptcy court in hopes of holding on to their houses.
Short of persuading lenders to give them more favorable loan terms, borrowers' last hope has been to file for Chapter 13 bankruptcy. By doing so, they can hold on to their property while adhering to a strict plan to repay their debts over a three-to five-year period.
Yet while Chapter 13 has proved successful for some, U.S. bankruptcy judges have limited powers to bestow relief.
That could change under legislation making its way through Congress that would give bankruptcy judges the leeway to modify loans on overmortgaged homes to stave off foreclosure.
President Barack Obama this week reiterated his support for bankruptcy reform during an appearance in Arizona, where he unveiled his $75 billion housing plan. House Speaker Nancy Pelosi responded by saying Congress is prepared to act on the legislation so "responsible homeowners can stay in their homes."
While many overextended homeowners may be so deeply in debt that even bankruptcy reform won't rescue them, there are many others who could benefit but now are forced to let go of their homes, bankruptcy experts say.
Judicial power to restructure loans could lower payments to the point that losing the home would no longer be inevitable.
"Part of what I do on a daily basis is convincing a client that 'you can't afford this house, you need to let it go,' " consumer bankruptcy attorney Jason Jones said. "I ask, 'What are your payments, what are your property taxes, your insurance, your homeowner fees, and what would it take to rent the house next door in the same neighborhood?'
"And it is uniformly 60 percent of what they're paying."
Bankruptcy attorneys, as well as housing advocates, predict the legislation would prove a godsend for thousands of homeowners. Last year, San Diego County recorded 17,712 foreclosures – a 141 percent increase over 2007.
"I don't think we'd have the staff here to support the volumes if that law would go into effect," Carlsbad bankruptcy attorney Michael Doan predicted. "You take someone from South County with a house once worth a million, and they're paying over $8,000 a month, and now it's worth $490,000. You spread a mortgage on that out over 40 years and drop the interest rate, that's a pretty huge savings."
Doan, who writes a blog on bankruptcy, said that in recent weeks his office has been deluged with e-mails and calls from financially distressed homeowners wondering if the proposed change in bankruptcy law could help them.
U.S. Bankruptcy Court Judge Louise DeCarl Adler agreed that, if given the authority to restructure borrowers' home loans, judges may be able to help many more homeowners.
In San Diego, judges' calendars are crammed with motions related to Chapter 13 filings, which rose 113 percent in San Diego and Imperial counties over two years to 2,104 in 2008. Homeowners who have been just days from a courthouse auction of their homes have filed for bankruptcy, which immediately halts a foreclosure sale.
Judges can effectively strip away debtors' second mortgages in cases where people's residences are worth less than what is owed on their mortgages, and they can restructure loans on second homes. But judges remain powerless to alter the terms of a primary loan on one's principal residence.
"My joke is we could always rewrite the loans on John McCain's second through ninth homes but not on his first," Adler said.
The reality, though, Adler said, is that a growing number of cash-strapped homeowners simply don't have the income to afford homes they probably should never have purchased and therefore are ill-suited for Chapter 13 bankruptcy.
"We had one case where the husband had $1,400 a month in income as a dishwasher and a $2,300-a-month mortgage," Adler recalled. "I said, 'Did your wife have a job and she lost her job? Did you have a previous job and you lost it?' He said no. 'Did you have a lower payment before and it reset?' and he said no.
"I said, how are we supposed to help you? Maybe he delays the foreclosure for a short period of time, but there isn't anything we can do in that situation."
The federal legislation that would permit bankruptcy judges to reduce loan amounts down to a property's current value already has won the support of a House committee. But it faces stiff opposition from the banking industry.
"If there's the fear that judges can at any time modify mortgages, it's no longer the safe investment it was, and investors will charge mortgage bankers more to buy the loans – costs that will be passed on to the borrower in the form of higher interest rates," said Dustin Hobbs, spokesman for the California Mortgage Bankers Association.
Consumer advocates counter that lenders have been painfully slow in responding to struggling borrowers seeking loan modifications, which is why policymakers are stepping in.
Paul Leonard, who oversees California operations for the nonprofit Center for Responsible Lending, points to a recent Credit Suisse analysis that projects a 20 percent reduction in foreclosures if the bankruptcy reform goes through. The financial firm also believes a change in the law would pressure more lenders to modify loans, Leonard added.
In the meantime, bankruptcy court remains a popular destination for debtors seeking to hold on to their homes, if only to buy themselves time.
San Diego attorney John Colwell is going to court next week to help a client who last September filed for Chapter 13 bankruptcy one day before his Mira Mesa home was scheduled for auction.
Overwhelmed by debt from credit cards, a $536-a-month truck payment, $8,000 in overdue property taxes and two mortgages, the single homeowner is hoping Colwell can remove the $84,000 second loan on his home, which is now worth about $100,000 less than what he originally paid.
Chapter 13, though, is no cakewalk for debtors, who must not only continue making payments on their primary loan but also pay back missed payments and other debt over a period of up to five years.
In many cases, payments on the primary mortgage are so onerous that elimination of a second trust deed isn't enough to forestall foreclosure.
Los Angeles economist Christopher Thornberg believes the current mortgage malaise is so profound that bankruptcy judges, even if given the legal authority, would be hard-pressed to restructure loans he says were defective to begin with.
"When someone walks into a courtroom and says to a judge, 'Yes, I earn $40,000 a year but I lied and said I made $130,000 a year to get a $400,000 mortgage,' can the judge really look at this person's financials and write down the principal of the mortgage when the mortgage was received in fraud?"
"Do we really want to reward people for this reckless borrowing?"
Lori Weisberg: (619) 293-2251; email@example.com


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The Frazee High School wrestlering team dominated the Section 8A tournament Feb. 14 and won a berth at state, set Thursday, Feb. 26 at the Xcel Energy Center in St. Paul. This will be the team's 22nd trip overall, and their third straight trip to state, the 9th in the last 10 years. Frazee won its three section duals with a combined score of 177-42. The Hornets have won four state championships over the years, the last title was as co-champs in 2011. Last year, the team placed fourth. Team action in St. Paul starts at 11 a.m., with quarterfinals, followed by place matches at 5 p.m., and the championship at 7 p.m. Tammie Nunn photo
Josh Wurst gets a takedown on his Detroit Lakes opponent. Tammie Nunn photo
A look at how the team sections will play out Saturday.
Roger Thorp received a partial scholarship to play for the MSUM Dragons this fall.
Garrett Malstrom recently announced his intention to be a walk-on for the NDSU Bison.
Josi Tappe drives around her defender with the help of a pick by teammate Whitney Janu (No. 42). Beth Janu photo
Madison Wothe performs a front tuck off the beam. Christine Hall photo
The Frazee High School high kick dance team holds up its section trophy as the team earned an invite to compete at state. Joleen Giefer photo
Grant Jepson of Frazee goes for the takedown against his Central Cass opponent last Thursday. Tammie Nunn photo
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Leon Silverman Tivener
- Ohio |
- Newark OH |
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- Licking Co OH |
- Richland Co OH |
- Tivener
Leon Silverman Tivener, b. 14 Oct 1906 Newark, Oh. d. 29 Sept 1947 Mansfield Richland Co. Oh. son of John & Etta Haddox Thivener. Father of William Mahlon Tivener, Sr.
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El Cheapo telephone number is (803) 754-2210.
Telefax: No fax number available
Website: No web address available
Biz owner? Moderate reviews or edit listing.
Search entire category for Take Out
A Take Out, in Columbia, is a food corner or facility that provides destination food delivery. They are small units serving popular cuisines, and do not usually offer table-service. Fast food and snacks like sandwiches, steaks, burgers, rolls, wraps, pizzas, kebabs, sausages, etc, are the popular picks in these food outlets.
Each year as a tradition to myself and this green movement website, I write on the events of Earth Day (April 22nd) this year is no exception. I will focus more on some new ideas and representations of our planet Earth. The symbols of Earth Day have been similar throughout the years, including an image or drawing of the Earth..


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From Wikibooks, open books for an open world
This category contains books on Christianity: a monotheistic, Abrahamic religion based on teachings associated with Jesus.
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- ► Human Nature: Catholic Thought and the Sciences (10 pages)
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Hercules City Councilman Don Kuehne says a petition by a residents group seeking to recall him is replete with false accusations.
Councilwoman Joanne Ward, who also is a target of the group Hercules Recall, says she understands residents' dismay and that she wants to be "part of getting the city back on track."
The petitions accuse the two of failed leadership resulting in the city's financial crisis, and of approving no-bid contracts to a company owned by two daughters of former City Manager Nelson Oliva as well as of supporting questionable development deals. Kuehne and Ward also incurred public ire for voting to dismiss interim City Manager Charlie Long in December after he publicly revealed details of the city's dire financial situation.
Long "was not terminated because he was the bearer of bad news or because we wanted to bring Mr. Oliva back," Kuehne said in a written response. Citing a letter from then-Mayor Kris Valstad to Long, dated Dec. 14, a week after Long was terminated, Kuehne said the council terminated Long "for cause ... an insubordinate failure to carry out its instructions."
In an interview last month, Kuehne faulted Long for announcing publicly that Hercules Fitness and the Powder Keg Pub owed the city back rent on their redevelopment agency leases.
That was "one of the many examples of what Long did that was not good for local business," Kuehne said,
Kuehne said his main beef with Long was not so much what Long did but how he did it. Again and again, Kuehne said, Long took executive action without keying in the council. For example, Kuehne said, one day an upset Tom Weigel, the developer of Hercules New Town Center, approached him asking, 'Why did you cancel our contract? I thought we had a good relationship with Hercules?'
"I didn't know anything about it," Kuehne said.
Long told Bay Area News Group in December that he would have no comment about his termination.
He had come aboard in Hercules on Oct. 18, shortly after Oliva went on medical leave for what was expected to be at least three months. When the council terminated Long on Dec. 7, there was no time to consider any options other than to bring Oliva back, Kuehne said.
"Looking back, I agree that this was a bad decision," Kuehne wrote. "I immediately started to correct the damage that was done and issued a press release about Long's termination, the short-term return of Oliva, and the need for an independent financial audit."
Kuehne said he led the effort to complete a severance with Oliva, who stepped down Jan. 9, and to appoint Police Chief Fred Deltorchio as interim city manager.
Commenting on the petition's accusation that he supported questionable development deals, Kuehne who was elected in November 2008, said, "Many of the things that are coming to light now were actually approved before I was on the council."
He said he questioned the city's arrangement with the Oliva daughters' company in closed session as far back as October 2009, but got no support from his fellow council members.
"Up to this fall, I was the lone voice," Kuehne said.
He had not spoken out publicly against the arrangement or against any actions by Oliva because, he said, like in the private sector, "publicly, you support your manager until the governing body reaches a no confidence consensus."
"As long as I am a lone voice, I cannot undermine Oliva's authority at City Hall," Kuehne said.
Ward, too, said she had misgivings about the arrangement with the Oliva daughters' company, which ran the city's affordable housing program.
"It didn't look right, and, looking back, we should have blown the whistle," she said, "but we didn't."
Ward said that despite the nationwide economic downturn, until the middle of last year, "Mr. Oliva painted a picture that we were doing very well financially."
That picture changed in June, she said, with the 2010-2011 budget, when Oliva announced a $2 million deficit, to be made up by borrowing $750,000 from a vehicle replacement fund and dipping into the city's reserve fund for about $1.25 million; at the same time, Oliva announced a 3.7 percent across-the-board salary cut.
After that, she said, the council was poised to do a "midcourse correction." She said the recall petition is incorrect to say that she "denies the need for reform."
Ward said she is appalled by the depletion of the $12 million Primary Project Fund of Hercules New Town Center and the recently publicized invoices from the developer for luxury hotels and extensive travel, none of which Oliva told the council about, she said.
"Poor little Hercules has taken its tar-and-feathering," Ward said, adding that she wants to help "turn the ship around."
Asked what she could do to persuade the recall group not to target her, Ward said:
"If I thought I could say something that would be able to convince them that I could do a good job if allowed to finish my term, I would say it."
Contact Tom Lochner at 510-262-2760.


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LEXINGTON, Ky. (AP) - A federal inmate with Mafia ties who escaped custody while in Kentucky has lost an appeal before the U.S. Supreme Court.
The justices on Monday turned away the case of 40-year-old Derek Albert Capozzi. Capozzi was sentenced to 51 months for escaping while being transferred to a federal prison in Pennsylvania. Capozzi later pleaded guilty.
He is also serving 23 years for his role in the 1996 killing and dismemberment of a potential government witness in Massachusetts and time in another case.
Capozzi had been in Kentucky to testify at a trial before bolting from a U.S. marshal's van in Lexington.
The U.S. 6th Circuit Court of Appeals upheld Capozzi's conviction and sentence in July.
Capozzi is in a federal prison in Florence, Colo. His projected release date is Jan. 13, 2050.
(Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)


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Some time ago, because of occasional inadvertent interruption of pleural suction after pulmonary resection, it was decided to construct an apparatus with an alarm system that would instantly indicate a drop in pressure. Since the first model was produced about 18 months ago it has gradually been modified and improved. Moreover, new uses have been discovered. It is now employed not only in chest surgery but also for gastrointestinal suction. Thus, it has been possible to combine in a single unit all the common forms of suction apparatus employed in general and thoracic surgery.
Figure 1 is a frontal view of the apparatus, which is small enough to fit under a standard hospital bed. A suction pump, situated on the left, may be omitted where wall suction is available. The mercury manometer, removable wire held by thumb screw, fixed insulated wire, doorbell buzzer, and drainage bottle are visible. Figure
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- Report: #855178
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Complaint Review: Asknet.com
Asknet.comInternet United States of America
Asknet.com T. Karlsruhe Askbet.com(T Karlsruhe) is charging my card through automatic payment every month $79.97, ( and there's no phone #,nor address to call or write to) ,without my consent & authorization.Called the bank Internet
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Dating is something all of us take pleasure in, and since net occurred the corner so did even more options for the very same. Internet requires you to be slightly cautious as there is consistently a subtle threat towards your privacy yet if you're adhering to some of the fundamental standards and guidelines relating to risk-free online behavior you need to have the ability to make one of the most out of it. On-line dating, over every little thing else, is extremely hassle-free and also you can take advantage of it in various means. For an example, there are preferred sites where people looking for their better half register and post some individual information along with photos and also a biography so it's less complicated for two people to locate someone that they might such as and possibly start something special. If you're a lot more right into بنات سعوديات للزواج on the go, you could use an entire plethora of mobile services such as Tinder, which is potentially among one of the most ingenious solutions around. Normally speaking, it's truly very easy to locate a person you would like online, and it's even simpler and a lot more convenient to keep such a relationship prior to making the decision to go real life on it.
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text: "Emerging from the small town of none other than ROCKville, Indiana. I'd say that's fitting, wouldn't you? That's why they named their brand new four track EP 47872 Home zip. With most recent addition Jordan Lake, lead guitarist and front man Logan Lake's brother, Against the Clocks have developed a tighter, more polished sound necessary for the number of festivals booked this summer. Against the Clocks is collaborating with Minnesota's Tinderbox Music for a big 250 Radio Airplay push release in June, and they don't plan on slowing down anytime in the near future. Their profound melodies and slight twang show obvious influences from classic rock. In other words, make sure you bring a lighter (or cell phone) to their live shows. All Against the Clocks music, including 47872, are available on Muzooka.com, Spotify, iTunes, and Bandcamp. Check out ATC at www.againsttheclocks.com." Carly Adler - Gashouse Radio"


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Arsenal Message Board
A Yahoo! User Jun 10, 2011 12:33 Flag
Wannabe Gooners
Wannabe anywhere but the emptyrates by the sound of it
Not only do Cesc and Nasri wannabe elsewhere but now Diaby wannabe a yid!
Hahahahahaha you couldnt make it up
most amusing indeed wouldnt you agree?Sort: Newest | Oldest | Most Replied Expand all replies
Is that avatar really you? Ugly bast*rd.
- 1 Reply to Roger E
A Yahoo! User Jun 14, 2011 21:29 Flag
haha yes it really is me...ask pixiepoof.
why?did it remind you of your wife when she is pulls her 'cum' face?
Le Professeur Le Professeur Jun 10, 2011 14:01 Flag
They are fast becoming a laughing stock mate, and I predicted this very outcome 6 years ago!
- 1 Reply to Le Professeur
The Londoners The Londoners Jun 14, 2011 20:18 Flag
My husband thinks you're a prick. Having read some of your tripe on here I have to agree with him


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Pacific Rim
- Studio: Warner Bros. Pictures
- Release Date: Jul 12, 2013
- Starring: Charlie Day, Charlie Hunnam, Idris Elba, Rinko Kikuchi
- Summary: When monstrous creatures, known as Kaiju, started rising from the sea, a war began that would take millions of lives and consume humanity's resources for years on end. To combat the giant Kaiju, a special type of weapon was devised: massive robots, called Jaegers, which are controlledWhen monstrous creatures, known as Kaiju, started rising from the sea, a war began that would take millions of lives and consume humanity's resources for years on end. To combat the giant Kaiju, a special type of weapon was devised: massive robots, called Jaegers, which are controlled simultaneously by two pilots whose minds are locked in a neural bridge. But even the Jaegers are proving nearly defenseless in the face of the relentless Kaiju. On the verge of defeat, the forces defending mankind have no choice but to turn to two unlikely heroes-a washed up former pilot (Charlie Hunnam) and an untested trainee (Rinko Kikuchi)-who are teamed to drive a legendary but seemingly obsolete Jaeger from the past. Together, they stand as mankind's last hope against the mounting apocalypse. [Warner Bros.]… Expand
- Director: Guillermo del Toro
- Genre(s): Action, Adventure, Sci-Fi, Fantasy
- More Details and Credits »
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Score distribution:
Positive: 32 out of 48
Mixed: 12 out of 48
Negative: 4 out of 48
If I were nine years old, I would see the monsters-versus-robots adventure Pacific Rim 50 times. Because I'm in my forties and have two kids and two jobs, I'll have to be content with seeing it a couple more times in theaters and re-watching it on video.
Pacific Rim is, hands down, the blockbuster event of the summer — a titanic sci-fi action fantasy that has been invested, against all expectations, with a heart, a brain, and something approximating a soul.
Of all this year's loud, over-long summer action movies that, in various ways, simulate the experience of having a tin bucket placed over your head and being struck repeatedly with a stick, it must be said that Guillermo del Toro's Pacific Rim is by far the most entertaining.
There's no denying Pacific Rim is the best film of its kind. It remains to be seen whether the film's epic clawing and clanking satisfies a pent-up demand equal to its ambitions.
Del Toro's robots have weight and mass, and their epic, Hong Kong-smashing fights with the four and six-legged, clawed and horned monsters are visually coherent, unlike the messy blur of the "Transformers" movies. There's a light, humorous feel to "Pacific Rim" because the science is silly and logic takes a flying leap.
It is possible to applaud Pacific Rim for the efficacy of its business model while deploring the tale that has been engendered — long, loud, dark, and very wet. You might as well watch the birth of an elephant.
Laudable as its world-building is, the film drags not just in its interminable middle hour, but also during the redundant monster-on-mechawarrior smackdowns.
Score distribution:
Positive: 291 out of 388
Mixed: 50 out of 388
Negative: 47 out of 388
Jul 13, 2013Disclaimer: I loved this movie. I watched it twice, back-to-back, in 3D.
I loved the action and the spectacle. The battles, despite the oneDisclaimer: I loved this movie. I watched it twice, back-to-back, in 3D.
I loved the action and the spectacle. The battles, despite the one absurdity of giant robots fighting alien invaders had sense of realism that was rather unnerving. Everything but that (minor detail) was eerily plausible. I also liked the other messages found throughout. Mostly, though, I loved how it all came together as a kind of celebration of the value science and technology when coupled with human courage, ingenuity, innovation, self-sacrifice, individualism (when appropriate), and cooperation (when appropriate).
It's the many minor messages within the movie that made it stand out from mindless summer action movie fare (which are fine, on occasion).
First, what I like the most: I liked abiding theme of science and technology being tools for human salvation. There are literally no scenes without some object of human ingenuity in view. The giant robots are man-machine saviours that aid humanity in fighting against grotesque organic monsters.
(As an aside: I like nature. I was raised in a rural area, and I enjoyed camping. But make no mistake, nature can be brutal, and it is only human scientific, technological, social, and other developments that can keep the monster at bay. If you doubt me, try surviving alone and without man-made equipment for a week in virtually any natural environment. You may not be dead, but you'll almost wish you were. Where I live (just outside a city of 1 million), you'd be dead in less than 5 hours without winter clothing, six months a year. Nature can be subservient to us, but it must never again be our master. Precambrian humans had an average life expectancy of 31 years. Also, like the monsters in this movie, any number larger wild animals would kill a human without a second thought. A bear will rip a child to shreds. Wolves (prior to their gradual domestication by killing the more violent ones over the centuries), were a particularly large threat in Europe. An elephant will gore a grown man. And so on. **It is solely our scientific, technological, and social advancements made possible by an appropriate mix of individual initiative and group cooperation that keep the nightmare at bay.** The movie Pacific Rim acknowledges this. Unlike the technological luddism of, for example, the Terminator movies or Avatar [which both partially denigrate technology and science], this movie celebrates human achievement and progress. And movies could use more of that.)
I liked that movie (unlike almost all American blockbusters) takes place in several locations, none of which are large American cities. The United States comprises about 5% of the global population, and it's nice to see that represented in an American blockbuster. And how many times do you really want to see New York destroyed, for instance?
I appreciated the message that both cooperation and individual initiative are prudent and necessary. The fight against (for instance, there are several instances of insubordination and deviations from military procedure, but they mostly involve serving the greater good).
I liked the love story component. The lead man was not a handsome male Brad Pitt lookalike, and the female love interest was not the typical American supermodel of action flicks. Rather, she was an English-speaking Chinese national who models the very best traits of many females from that culture. She is polite and respectful, yet stands up for her beliefs non-confrontationally, and she is obviously intelligent. She is "equal but different" from the main male protagonist.
I appreciated the cursory mention of the cause for the alien invasion: global environmental degradation, the (spoiler) reason for the alien invasion.
Although there is much "apocalyptic porn" (hey, I like it too), the body count is actually quite low. While we see entire skyscrapers destroyed, because civilians are evacuated in shelters, the number of civilian casualties is less than 100. (Contrast that with "Man of Steel", which had a casualty count of six or seven figures).
It was nice to see scientists portrayed are heroes. The two scientist characters literally risk their lives to test a theory and gain evidence that is crucial to a positive outcome. This world needs more scientists and technologists. Even the characters' stereotypical eccentricity is endearing: they have their foibles, but they are each aware of it. Sometimes, human foibles are unavoidable, and condemning people for (relatively) harmless quirks that they cannot change serves no purpose.
I did like that movie avoids many Hollywood clichés (for the above reasons).
If I had one complaint, it's that the movie is too short. It's 2 hours and 10 minutes. However, there is less action than I would have liked. It's not that there is too much "non-action" content. It's just that another 30 minutes or so of giant robot battles would have been swell.
In short: see it.… Expand
Dec 21, 2013Comparing Transformers, I Robot, RoboCop (and all the movies of robots) this leaves them as the worst. Guillermo del Toro treats us to aComparing Transformers, I Robot, RoboCop (and all the movies of robots) this leaves them as the worst. Guillermo del Toro treats us to a spectacular show of special effects and action-filled moments of tension and adrenaline. The plot is very smart and keeps you tied to the seat. The performances are not like Daniel Day Lewis, Christoph Waltz, Brad Pitt and all of them, but there are good and which emphasize. The outcome and the course are sublime. Here we have another light in the dark moment is going Hollywood with a fresh idea. If not I at least nominated for an Oscar I'll descepiconar and I think I am not alone.… Expand
Jul 13, 2013An insanely fun and imaginative movie. It has its aspects of action, drama, comedy and much more. There are so many great fight scenes thatAn insanely fun and imaginative movie. It has its aspects of action, drama, comedy and much more. There are so many great fight scenes that you wish you could watch over and over again. The Jaegers and the Kaiju are menacing but at the same time fun to look at. While it does have minor flaws, the movie not only focuses on robots and aliens blowing the crap out of each other but focuses on intriguing story details as well. A must watch, definitely not a movie you wanna miss. 9/10.… Expand
Nov 30, 2013It is an over the top feast of monsters and robots that is a visual splendor for the eyes. Exciting, action packed, and funny. To top it off,It is an over the top feast of monsters and robots that is a visual splendor for the eyes. Exciting, action packed, and funny. To top it off, it also had a pretty cool score.… Expand
Jul 14, 2013BIG GIANT FIGHTING ROBOTS!!!. That is all this movie has so if that first sentence does not excite you then pass on this one. If that firstBIG GIANT FIGHTING ROBOTS!!!. That is all this movie has so if that first sentence does not excite you then pass on this one. If that first sentence made you jump up and down in your seat like a 10 year old with a bladder problem then enjoy the ride.… Expand
Jul 16, 2013A slight disappointment for me, Pacific Rim wasn't the ultimate blockbuster it seemed to be in the trailers. Don't get me wrong, the battlesA slight disappointment for me, Pacific Rim wasn't the ultimate blockbuster it seemed to be in the trailers. Don't get me wrong, the battles were absolutely spectacular, but there weren't just as many of them. Around half a movie is dedicated to its plot and it sucks. It's illogical and predictable, the characters are stereotyped and sometimes outright annoying (say, the two scientists). Normally I try not to think about the plot too much during such blockbusters, but again, in the Pacific Rim there is just too much screentime devoted to it. To compare, the recent Man of Steel also didn't boast an exactly flawless plot, but action was neatly mixed with the story, a major scene ocurring every 10 minutes or so. So in my opinion, Rim is a good summer blockbuster, but it could've been more.… Expand
May 22, 2014This movie was utter **** with laughable acting, poor writing, and tropes galore that don't even give the viewer any sense of charm.This movie was utter **** with laughable acting, poor writing, and tropes galore that don't even give the viewer any sense of charm. Everything in this movie was poorly executed, and everybody knows it. The only reason the user score is up is due to it being a monster movie. If you want to see a good giant monster film, go see the 2014 western adaptation of Godzilla.… Expand
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Posted by Sutekh
cusps are an astro fallacy. It's something that ragmag "astrologers" made up.
yeah.. but there has to be soommmeee truth to it!
it would only make sense that there is an area of blend in the transition between two signs.
splitting the signs up ain't like cutting a cake.


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With Instructables you can share what you make with the world, and tap into an ever-growing community of creative experts.
In this (my first) instructable i want to tell you about the method i used to create a cheap(er) new decking for my boat, the technique can be ...
As with any project, the old saying 'measure twice, cut once' applies here too, both when preparing the sheets for fitting and when drawing the outlines for the ...
Let's first make sure we have the router set-up correctly, we will be using 2 different router bits, one with a very sharp tip, which we will use ...
Now the hatches can be a bit difficult, but patience here will deliver a better end result. In order to be able to use the jigsaw you have ...
Now comes the part that most people dislike, but is all-important if you want to enjoy your new decking longer than one season. The finishing. Basically, sand every ...
Scrabble Letter Holdersby 1710hammer
Refinishing Teak (speargun)by jskingry
Turn a fail into a featureby bongodrummer
Battleshotsby armyofmike
DIY Routing Tableby wwashington
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The Phoenix High School Band and Choir will sell fireworks to raise money for new instruments, choir robes and paying for band camp this afternoon.
Band and choir members will operate the fireworks tent in the Ray's parking lot, 735 N. Main St., Phoenix, from 1 p.m. to 3 p.m. There will also be a barbecue fundraiser serving up hot dogs and hamburgers while the band plays live.
See www.mailtribune.com/fourth for a listing of all locations to purchase fireworks.
Location, ST | website.com


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I just transfered my blog from wordpress.com to my own site http://www.vegansoiree.com.
The comments that existed on my Pages are no longer visible and there is nowhere for readers to post their comments on my pages even though I have authorized it.
Within the theme I'm using (Vina) the editor has a page called page-comment.php, which I assume is there to control comments on pages.
What is going on here?


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Olympus PEN E-P2 launched: new accessories & sky-high pricing
Thanks to previews on the company's own site, the launch of the new Olympus PEN E-P2 Micro Four Thirds camera comes as little surprise. Still, we've been waiting to see exactly what tweaks and changes - beyond an optional electronic viewfinder - the company has made, and while we'll save our final judgement until the reviews come in, right now it's looking like a reasonable upgrade. The PEN E-P2 adds a continuous autofocus tracking system which can be used in both still and video modes, and adds that all-important accessory connector port for various add-ons to the hot-shoe.


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"Bus" Top 5 Page for this destination Hopkins Transportation Tip by paradisedreamer
Hopkins Transportation: 3 reviews and 4 photos
We had an hour to wait and then did a mad dash for the bus, there were so many people but we managed to get seats. There is no space under the bus to put bags so we had to take then on with us and there is a space at the back of the bus to stash them. The bus was very basic, no aircon, plastic seats and crowded and it is quite a bone jarring ride, you would never imagine these big buses could go so fast as well!!
When we got to Belmopan more people got on than got off so the aisles were packed. The so-called express bus seemed to stop all along the way so we soon emptied out a bit, luckily it was very hot. The road between Belmopan and Dangriga is called the Hummingbird highway and is beautiful? mountains covered in palm forests with orange groves at the base, it was so lush and tropical.
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tag: plywood
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Merlin - Teak and Beech credenza3 comments
Nesting Cabinet in stand. cabinet is fassened to stand with through wedged tenons. integral drawer and door pulls. stand, drawer fronts, carcasse interrior; European Beech. Carcasse is shopcut...view details
Woodworking Business - What To Build To Make Profits2 comments
Woodworking is a great art and hobby that you can quickly turn into business. You need to know that different woodwork projects will have different markets. For instance, if you are making toys, then...view details
Storage bench
This is a storage bench I designed and built for use in our master closet. Materials are steamed Beech and Beech plywoodview details
Cherry Kitchen Cabinets using Kreg Jig
Cherry finished with Boiled Linseed Oil, 2 coats Dark GARNET Shellac and 3 ooats Polyuretane. Photo 3 is a sideboard located in the Dining Room. I used a Kreg Jig and used pocket hole construction.view details
New Hide-a-bed in a playroom.view details
Red Oak Bar1 comment
Custom made trimwork, armrail custom coved on table saw, all flat trim cut to best show ray flecks for visual interest against the broad grain of the panels.Bar is 43 inches high, 90 inches long. Two...view details
Chocking the Chicken1 comment
This is a sculpture that I just had to do. Every artist puts on the wall what he thinks is improtant, so I thought I would just put this up and ask the question, Why would Anyone Make this? Made from...view details
Freestanding Tool Cabinet1 comment
Woodworker: Andy Rae Gracing the cover of Jim Tolpin's The Toolbox Book (1995, Taunton Press), Rae's freestanding tool cabinet has served him in the shop for more than 20 years, doling out handsaws...view details
Entertainment Cabinet
Peter Turner's entertainment center in quartersawn maple. Turner keeps this large piece of furniture delicate in appearance by using curved legs and cove moldings.view details
File Chest
This painted file chest in poplar, birch plywood, steel and brass would be a welcome addition to any office. The finish is milk pain, ebony stain, gel varnish and water-based polyurethane.view details
Curved End Table
This curved leg coffee table is made from curly cherry veneer, walnut, plywood and glass. The table is finished with a mix of Watco oil, varnish and mineral spirits.view details
Curved Coffee Table
This curved leg coffee table is made from curly cherry veneer, walnut, plywood and glass. The table is finished with a mix of Watco oil, varnish and mineral spirits.view details
Jefferson Writing Desk
Reproduction Jefferson writing desk made from plywood-core mahogany veneer. Satinwood is used for the inlay.view details
Low-Profile Bed
Cypress and cypress veneer bed by Palmer. Jamaican dogwood, plywood, steel and brass are used to complete the construction. It is finished with varnish and a satin polyurethane gel.view details
gab furniture & woodworks shop2 comments
this is my dream shop it is 24'x45' it is a project of mine that hopefully will soon come true! i've placed the machinery in order that will work for me. i design and build to others specs, i also...view details
Bev Mart8 comments
This shop would be our attic. the walls are slanted, so table top tools work best for storing, and have floor space. This also allows me to stock lumber on the shorter knee walls. So far...view details
Czappa's Studio9 comments
That's my shopview details
Fantasy Shop3 comments
I try to line my equipment up so it can be used as an out feed table if necessary, Planer being the same height as the workbenchs etc. I have to raise the heights of some of the equipment to...view details
My Dream Shop
My shop currently consists of a home brew router table, rolling disk/belt sander cart, and a power miter saw (waiting for its own rolling cart). Everything else are hand-held power tools...view details
Dave's Workshop1 comment
After I retired I moved to Muskoka and built my 28 x 40 dream shop. It has hydronic radiant floor heating that keeps me warm in the winter and a 10 foot ceiling that allows for larger...view details
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Actor John C. Reilly brings character to concert at Miller Caves
The Miller Caves, underneath the brewery that not only made Milwaukee famous but also helped define the city itself, apparently never seemed, until Sunday night, like a place to hold a concert.
In retrospect, after the very first such event courtesy of John C. Reilly and Friends, the historic location was a small club waiting to happen: The painted backdrop of cavorting (presumably) Germans had retro style, as did the overhead lamps and the high-arched ceiling. »Read Full Article(4)
Next Act gives wings, radio style to 'It's a Wonderful Life'
Imagine a Milwaukee without its musicians and dancers, its singers and actors, its highly reputed symphony and its world-class theater. It would look a lot more like Pottersville, that mean-spirited burg of cheap thrills and third-class entertainment that greets George Bailey before his great awakening.
Such were my thoughts Friday night as six veteran Milwaukee-based actors tugged at my heartstrings for the second straight year, in Next Act Theatre's reprise of "It's a Wonderful Life," as transformed by Mary MacDonald Kerr into a 1957 radio play, coming straight to us from the studio of Milwaukee's very own WNAT. »Read Full Article(1)


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- Report: #983781
Report - Rebuttal - Arbitrate
Complaint Review: Direct Health Plans
Direct Health PlansMadison, Tennessee United States of America
Direct Health Plans America's Health Team Direct Health Plans & America's Health Team--THEY ARE NOT BROKERS IF YOU'RE BUYING VIA PHONE; Agents, beware: They are a "Revolving Door Model" Madison, Tennessee
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Their telemarketers are typically not even licensed insurance agents. Although the claim is that they are "Brokers of Insurance" The truth is, if you're receiving a call from a "Benefits Advisor" they are going to tell you "My quoting software is 'suggesting' _________ Health" (I won't use the Carrier's name, if you've found this page, you will know who it is) Well, that's a LIMITED-FIXED-BENEFIT policy which pays, for example, MAYBE a few thousand dollars towards OPEN HEART SURGERY. Although the "broker" says the carrier has a 91% approval rate, that's because they push the prospective insured through and then let them file a claim down the road...THEN that claim will be underwritten and you will get sent the entire bill and rated-up or policy terminated for "pre-x" For folks in less-than-stellar general health, smokers, etc...it's a winning solution. It IS NOT meant to be sold across-the-boards to ANYONE who has or is seeking qualified, comprehensive, major medical health insurance.
If you receive a phone call and they're making the "Broker" claim, I ask that you PLEASE do yourself a favor and run for the hills. If, by chance, you want to have a little fun and validate this fact: ASK for MULTIPLE quotes from MULTIPLE carriers. You will soon learn the cold, hard truth.
*****IF YOU ARE AN AGENT: Go somewhere there are leads. If you happen to land at the doorsteps of AHT or DHP, you've already gone too far. Here is why: Their "lead generation" model works like this--
A telemarketer calls off of < 1 data...through an outdated and crappy cloud-based predictive/auto dialer. These (data) are people who have either had a business license and/or applied for one. I don't even think that's the case, as many calls were to chain salons, cashiers at Dollar Stores, etc.. Anyhow, once the unlucky party answers the phone, the telemarketer states who they are, and then proceeds to the "purpose of the call" which is, verbatim:
"Giving you a call today because health care reform has created new programs that are available at a low-cost and I just wanted to see if YOU feel like YOU'RE paying too much for your current health plan?" <--key factor "Plan" as they're not representing POLICIES.
If the person DOESN'T HANG UP ON THEM OR REQUEST DO NOT CALL LIST, they will proceed to rush through simple questions so that " A Benefits advisor will send you a proposal via email" Ladies and gentlemen, once that "Quote" is sent, THAT is your "LEAD." I noticed through their broker portal with their ONE CARRIER, that the call center, collectively, had sold about 75 deals over the course of > 6 months!!!! HORRIFIC! ---Keep in mind, these calls are in THE MOST OVER-PRONOUNCED SOUTHERN ACCENT, Calling people Mr. First Name and Miss First name "ohhh so charming" For example, a gentleman's name is George...he is now "Mr. George" The facade, if given an opportunity to show, is as transparent as it may be!
Pathetic, in its truest fashion! I would give further evidence and particular scenarios; however, I just realized that I have given MORE-THAN-ENOUGH time, energy and breath to these clowns.
This report was posted on Ripoff Report on 12/18/2012 11:02 AM and is a permanent record located here: http://www.ripoffreport.com/r/Direct-Health-Plans/Madison-Tennessee-37115/Direct-Health-Plans-Americas-Health-Team-Direct-Health-Plans-Americas-Health-Team-THE-983781. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Wed, 31 Aug, 2016, 2:06 AM EDT - Canadian Markets open in 7 hrs 24 mins
World Outlaw Minibike Championship - Secret Location The World Outlaw Minibike Championship has been … More » World Outlaw Minibike Championship - Secret Location
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The Specialty Equipment Marketing Association (SEMA) is probably best known for the massive trade show … More » Car modifiers find EPA emission rules a useful whipping boy, politically
Rider Destinations: Arches National Park It's hard to deny that Utah has some of the best riding … More » Rider Destinations: Arches National Park
Koenigsegg used August's 2016 Monterey Car Week to deliver its first Agera RS to the United States. … More » Koenigsegg brings out the bling for first Agera RS delivered in Europe
Traveling with children can be fun, both for them and for you. But on top of the normal demands of care-giving, … More » Tips for Safe Driving With Kids
Zagato has partnered with fellow Italian firm MV Agusta to design a concept motorcycle, revealed today … More » This is the motorcycle Zagato designed for MV Agusta
A 7-passenger midsize crossover SUV, the new Mazda CX-9 completes Mazda's transformation from what it … More » PowerSteering: 2016 Mazda CX-9 Review
Body Style: SedanAbstract: Refreshed for 2016, the 5-seat VW Passat has styling updates and new advanced … More » 5 Fast Facts: 2016 Volkswagen Passat
We wouldn't go so far as to call these cars ugly, but they certainly don't look normal. Then … More » Ten Peculiar, Oddball Cars That Are Totally Fantastic
These cars are pretty much guaranteed to cost a fortune in repairs and maintenance, but we want them … More » Nine Unreliable Classic Cars We Can't Help but Want
Shelby has already wowed the muscle-car world with the GT350, a flat-plane-crank V8 wonder that screams … More » The 750-horsepower 2016 Shelby Terlingua Mustang: First Look
Three years ago, BMW created a sensation with the 1M Coupe — a tiny car with a monsterous 335-hp … More » 2016 BMW M2 Arrives With A 365-Hp Chip On Its Shoulder
This past weekend marked the fourth running of The Race of Gentlemen and the second year in which … More » On The Beach At The Race of Gentlemen
In town to pick up a few Mustangs … More » Rare '71 Ford Torino King Cobra That Never Got Its Shot At NASCAR Up For Sale
This week's list of recalled products includes kids' activity trackers from McDonald's, strollers and … More » Total recall: Products that have been recalled in Canada this week
This week's offerings include a bungalow in More » What a $1 million house looks like in Canada this week - August 25 edition
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Multi-platinum singer Josh Groban has sold his Malibu, Calif., mansion for $3.75 million.
Groban … More » Singer Josh Groban sells Malibu mansion for $3.75M
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On September 8th, the medieval Castel Valer in Italy will change hands, for the first time in hundreds … More » You could own an Italian castle for a cool $40M


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7 King Street Bondi NSW 2026
Contact AgentNeed a home loan? Just crunching the numbers for you...
- 3
- 1
Tim Stern
- 0402 299 664
- 0402 299 664
- View profile
7 King Street Bondi
Lovely freestanding family home - DA approval to extend
One of Bondi's best-kept secrets, King Street is embraced by a canopy of trees just 1km to both Bondi and Bronte Beaches. Set back behind a manicured foregarden, this fresh freestanding family home is set on a deep block and features a spacious flow-through layout and large garden with DA approval in place to open out and extend the rear and create an entertainer's haven with nearly 7m pool. Perfect to enjoy as is, it's superbly located footsteps to Waverley Park and Bondi Road cafés.
* c1915 Federation home in a tightly held family enclave
* 3 double bedrooms, 2 with built-ins + a separate study
* Large living room, polished timber floors, high ceilings
* Modern open plan kitchen with adjoining dining room
* Wide entertainer's terrace & child-friendly garden
* Separate laundry with potential to create a home office
* Family bathroom, extra W.C, wide side courtyard
* Huge attic, potential for a second level addition (STCA)
Property No. 109741371
Page Visits: 661
- General Features
- Property Type:House
- Bedrooms:3
- Bathrooms:1
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The price of a property that falls in the middle of a total number of s sold over a period of time, based on listings over the preceding 12 months.
Data supplied by RP Data Pty Ltd trading as CoreLogic
This information has been obtained by RP Data Pty Ltd trading as CoreLogic and is subject to the following copyright:
RP Data Pty Ltd trading as CoreLogic Notice/Disclaimer
© 2016 Copyright RP Data Pty Ltd trading as CoreLogic (CoreLogic), Local, State, and Commonwealth Governments. All rights reserved. No reproduction, publication, adaption, modification, public communication, distribution or transmission of the copyrighted materials in this publication is permitted whether in whole or in part. The copyrighted materials in this publication are provided for personal or internal business purposes only unless otherwise agreed in writing.
The information provided in this publication is current as at the publication date only. CoreLogic does not warrant accuracy or completeness in the information it supplies and to the full extent allowed by law excludes any liability for any loss or damage arising from or in connection with the supply or use of the whole or any part of the information in this publication through any cause whatsoever and limits any liability it may have to the amount paid to CoreLogic for the supply of such information.
New South Wales Data
Contains property sales information provided under licence from the Land and Property Information ("LPI"). RP Data Pty Ltd trading as CoreLogic is authorised as a Property Sales Information provider by the LPI.


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Popular homes in Germantown
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By analyzing real estate information on millions of homes in Tennessee and nationwide as well as helping you understand hyper-local Germantown real estate trends, Trulia helps make your home search easy and enjoyable.
Refine your real estate search in Germantown, TN by price, number of bedrooms, bathrooms, property type (including townhomes, condominiums and single-family homes) , and more. Use our interactive Germantown home price map to view real estate activity across Germantown ZIP codes and in other cities nearby Germantown. See local real estate trends, and compare your home to recently sold homes in Germantown and to similar homes for sale in Germantown, . View our Germantown real estate guide to see average listing prices, sale prices and information for local school districts. Join Germantown, community to get in touch with Germantown real estate agents, real estate brokers and other real estate sellers and buyers. Compare Germantown mortgages from multiple lenders and mortgage brokers to finance your home purchase. Not ready to buy yet? Find and compare Germantown Apartments for rent.


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Cotto To Ponder His Future Over The Coming Weeks
By Keith Idec
NEW YORK — Austin Trout assured anyone who would listen that Miguel Cotto and his handlers made a serious matchmaking mistake by picking him as Cotto's opponent tonight. Wow, was Trout right. The left-handed Trout out-boxed and even out-slugged the rugged Cotto during their 12-round fight and won a unanimous decision to retain his WBA super welterweight championship in an action-packed main event at Madison Square Garden. The scores were 117-111, 117-111, 119-109.
The unbeaten Trout, of Las Cruces, N.M., improved to 26-0 and established himself as one of the top pound-for-pound boxers in the sport by beating Cotto in convincing fashion. Cotto, 32, lost his second straight fight and fell to 37-4. The former three-division champion also lost for the first time in eight fights at the Garden, the immensely popular Puerto Rican fighter's home away from home since he first fought there in June 2005.
"He's a southpaw, so it was a very difficult fight," Cotto said. "But I feel I did my job.
"I'm satisfied with the job I did tonight. I'll go back to Puerto Rico and think. He came at me with both hands. It was a great fight. We fought until the end."
Trout was a tough fight and Cotto took it. Trout won the fight last night the guy can fight I had it 115 to 113. It's a tough loss for Cotto but it happens he'll bounce back.Comment by twosweethooks on 12-02-2012
1st : I hope Cotto does NOT get hurt collecting his last paydays before retirement 2nd: He should forget thinking he is a SWW and go back to WW. 3rd: HE should NEVER fight Manny Pacquiao again. 4th: His best…Comment by mikeMack on 12-02-2012
Cotto has been battered 4 times and is not great. Cotto with his 5'6" height and his 8 inch jab belongs at 147lbs not 154. Trout beating the hell out of the smaller slower Cotto was not an upset. Cotto…Comment by -PANDA- on 12-02-2012
[QUOTE=gquezvas;12760596]Dude Cotto was never really that great. He was good and had balls but not great. Just be happy he didn't fight Canelo[/QUOTE] thats funny...he was on the verge of becoming p4p #1 after he beat mosley, mayweather retired and…Comment by GGG Golovkin on 12-02-2012
Trout vs GGG anyone, after Golovkin takes care of Rosado???Post a Comment - View More User Comments (34)


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Under a proposal issued Friday by the U.S. Department of Agriculture, school snacks could be subject to a new set of federal standards. The guidelines would expand nutritional standards that already apply to traditional school meals to also include a la carte items and food and drinks sold in school vending machines. The proposal calls for most snacks to include fewer than 200 calories and could be in place next year following a public comment period.
Full Story:USA Today, San Francisco Chronicle


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New Special Education Dual Degree Program
The program allows students to earn their B.S.E. and M.A. in Special Education with an ABA concentration in five years.
Fire up your social media skills to reach your professional or personal marketing goals. Registration open for Fall workshop.read more
Continuing Education -- with its diverse offerings of credit, non-credit, degree, professional certificate and training programs -- helps job-seekers and lifelong learners discover what works to enhance their lives and achieve success. Our programs are taught by distinguished faculty and industry experts. Schedules are flexible and designed for people with busy lives. We offer corporate and small business training, as well as small group and independent learning opportunities.
The program allows students to earn their B.S.E. and M.A. in Special Education with an ABA concentration in five years.
BestColleges.com recognizes Seton Hall's School Counseling program as one of the best in the country.
This workshop provides the tools needed to translate your value into employer needs-and get you the job.
The Division of Continuing Ed offers innovative professional development and customized employee training programs.
Earn a certificate in social media for professionals through our Saturday workshops.
Real people, real stories, learn what works! Whether you want to enhance your education, expand your skill set, or pursue new interests, Continuing Education has opportunities for you to explore.


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Coverage location shifted...
From now on, real estate coverage by Kelli Hart Kehler can be found HERE or on the Lansner on Real Estate blog.
In keeping with the Register's new owners' push to focus more on print and longer, richer stories, the need to write in shorter blog form isn't as high of a priority. We're still covering Orange County real estate but articles will no longer be posted here.
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Thank you very much, Sirka
Different and rich architecture, I like it !
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Beğendim dostum
MOBU! Excellent photo of the nice place. YSL! Good morning! best wishes from Yanghun. KOREA
Hi Mahdi, Thanks comment.
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Wonderful traditional life. Like!
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Great photo!
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First comment after six years :) L, All the best from Iran. Mahdi


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25,430+ General Liability policyholders
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Get in-depth information on essential insurance coverages.
Sample Certificate
Certificate of Liability insurance
Let's start with the basics: Commercial General Liability Insurance is the first policy most IT businesses buy. (FYI, your second policy will probably be Professional Liability Insurance.)
It usually costs between $500 and $900 per year and can cover legal expenses when you're sued over customer injuries, client property damage, or slander. If you know you need business insurance but you're not sure which policy, there's a good chance it's General Liability Insurance.
Of course, there's a lot more to the General Liability Insurance story. Now that we've covered the basics, let's get into the nitty gritty.
It's easiest to understand what General Liability Insurance covers by comparing it to Professional Liability Insurance. As its name suggests, General Liability offers protection for the "general" things that can go wrong at your business – that is, the things that can go wrong at any business. If someone slips and falls on your floor, that's a general liability that could be covered under your policy.
On the other hand, Professional Liability Insurance covers lawsuits over your professional work: glitches, code errors, and delays in your projects. If your client is mad because you missed a deadline, Professional Liability Insurance can likely help.
General Liability Insurance doesn't cover work-related issues, but it does cover many common accident, injury, and property damage lawsuits.
General Liability Insurance offers protection when people other than your employees get hurt or have their property damaged on your premises. For example:
Sure, imagining all these scenarios is dark. But that's how insurance companies think. They imagine the worst and help you plan for it.
Let's say the first scenario happens. A client trips over your laptop cord and shatters her wrist. It's an accident, but she sues you. If that happens, General Liability Insurance can cover your legal expenses, paying for…
That's how GL works. It picks up the tab for a covered claim over injury, property damage, or slander and makes sure your business isn't scuttled by a lawsuit or random accident.
We're a business insurance company, so naturally we think every business should have General Liability Insurance. But it's not just us.
The Small Business Administration strongly recommends it, and your contractors, clients, and landlords will probably require you to have General Liability Insurance at some point.
Translation: you're in danger of missing out on a contract if you can't get covered in time to sign on the dotted line. And that's especially true for contracts with big clients.
As your company grows, it becomes more and more likely that bigger clients will require you to have business insurance. To prepare you for that possibility, let's take a closer look at when and how these insurance requirements come up.
Why do clients, landlords, and third parties want you to have General Liability Insurance coverage?
First, there's the big-picture reason. As part of their risk management strategy, clients want to work with tech vendors who are financially stable and take measures to protect their company. It's the same reason you'd want a delivery driver to have car insurance. You want to know he's legit.
In addition, there are a few tech-specific scenarios that General Liability Insurance can help with…
Packaged Coverage at Discount Rate
-- with the Business Owner's Policy
We've helped hundreds of thousands of tech businesses find General Liability Insurance, so we've got lots of data on policy costs. If you want the long read on GL premiums, you can visit our page on General Liability Insurance costs for information on how size (freelancer vs. small company) and specialty (web designer vs. consulting) affect your premium.
Or you can get the CliffsNotes version here:
These cost estimates are for policies that provide $1 million in coverage for each lawsuit and up to $2 million in total coverage for the policy's term (usually one year).
The bottom line: for about $50 to $75 per month, small tech businesses can get million-dollar legal protection.
Realistically, if you have business liability exposure, you probably also have some business property you want to protect. Whether that's a laptop and an external hard drive or an office full of gear, it's essential to your ability to do business and earn money.
If you're into keeping your gadgets safe but not into spending your whole day pricing insurance policies, consider buying a Business Owner's Policy (BOP), which includes both General Liability and Commercial Property Insurance: one policy, two types of coverage. Choosing the bundle may even be cheaper than buying the two policies separately.
Before you started a business, you may not have thought much about liabilities and lawsuit risks – and you may not have known that businesses get insurance for these sorts of things. If that's the case, don't worry. We've put together a few resources to help you understand how General Liability Insurance works:


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Discover a selection of top forums colgan scrapbook on the internet. Come to share your passion on forums colgan scrapbook and meet other fans of colgan scrapbook. Then, why don't you create your own forum of colgan scrapbook ?
A group to have fun with PSP.
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Free forum : All About Digital Scrapbooking. Free forum : Digi Scrapbook Mania
A forum dedicated to the discussion of vintage baseball cards!
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About the Book
The Nag Hammadi Scriptures, edited by Marvin Meyer, is the most complete, up-to-date, one-volume, English-language edition of the renowned library of Gnostic manuscripts discovered in Egypt in 1945, which rivaled the Dead Sea Scrolls find in significance. It includes the Gospel of Thomas, the Gospel of Mary, and the recently discovered Gospel of Judas, as well as other Gnostic gospels and sacred texts. This volume also includes introductory essays, notes, tables, glossary, index, etc. to help the reader understand the context and contemporary significance of these texts which have shed new light on early Christianity and ancient thought. The compilation of ancient manuscripts that constitute The Nag Hammadi Scriptures is a discovery that challenges everything we thought we knew about the early Christian church, ancient Judaism, and Greco-Roman religions.
The Definitive Collection of Gnostic Writings
The year is 1945. At the foot of a cliff along the Nile River, near the city of Nag Hammadi, an Egyptian peasant unearths a large storage jar containing ancient manuscripts. The discovery turns out to be one of the greatest archaeological discoveries of the past century. A treasure of fourth-century texts, the manuscripts are the scriptures of the ancient mystical tradition commonly called Gnosticism, from the Greek gnosis, that is, secret knowledge. It is a discovery that challenges everything we thought we knew about the early Christian church, ancient Judaism, and Greco-Roman religions.
The Nag Hammadi Scriptures is the most complete and up-to-date English-language edition of these sacred texts from Egypt. It is full of treatises, testimonies, and secret books that had been lost for centuries. In addition to gospels purportedly by the apostles Thomas and Philip, and the revelations of James, Peter, and Paul, this collection also includes the Gospel of Mary and the controversial Gospel of Judas. The documents have been newly translated by a team of prominent international scholars. This volume also features introductory essays and extensive notes to help readers understand the context and significance of these texts that have revolutionized the study of early Christianity and ancient religious thought.
Educator and Librarian Resources
Product Details
- Imprint: HarperCollins e-books
- On Sale: 09/14/2010
- Pages: 864
- List Price: 12.99 USD
- BISAC1: RELIGION / Christianity / General
- BISAC2: RELIGION / Christianity / History
- BISAC3: RELIGION / Reference


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GRAND JUNCTION, Colo. (KKCO) - A Western Slope doctor's office is now shut down following a federal investigation.
The Urgent Care Center run by Drs. Sam Jahani and Eric Peper on 1st and Grand is no longer open.
According to the staff it is closed up because of the lack of a provider and listed several options for a patient to get help if they need it.
The Urgent Care facility has been under much scrutiny. In October officials from the Drug Enforcement Administration raided the facility, confiscating files from the two doctors under investigation.
11 News revisited the Urgent Care facility Monday night and found water pouring from the ceiling.


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Book Clubs
Has your book club ever read a Coach House book? Had the pleasure of arguing about the reasons for Eugenia Ledoux's father's disappearance, of describing why Aline is your favourite member of the Lacuna Cabal Montreal Young Women's Book Club or practicing the Depression-era slang you learned from pickpocket Mona Kantor and her lover, Daily Star reporter Eli Morenz. By picking a Coach House title for your book club selection, you'll not only be reading compelling, Canadian-authored books, you'll also be able to discuss how a book is made, and the kind of paper it's printed on – Coach House is one of only three Canadian publishers that prints its books in house, and the virtual tour on our website can add a new dimension to your book club's literary discussions.
So grab a glass of wine, take a look through our book club titles and accompanying Q&As and let us know if anything strikes your fancy. We offer a 15% discount for book club purchases made through our website – email firstname.lastname@example.com to arrange for a bulk purchase or to discuss whether one of our authors could visit your next book club meeting!


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Check out the best Facebook photos of newly engaged Jessa Duggar from 19 Kids And Counting and her fiance Ben Seewald.
Kasey Dexter is the socialite who allegedly broke up the marriage of RHONY stars Ramona and Mario Singer. Read on for the facts on Dexter …
This color-changing profile app is a scam that will actually infect your computer with malware.
Tonight is the premiere of Top Chef Duels where some of our favorite winners and chef contestants return to battle it out. Check out the full cast here …
Check out the best Facebook pics of Jersey Belle star & celebrity publicist Jaime Primak Sullivan, the Jersey girl who followed husband Michael to Alabama …
Get the details on Michael Sullivan, husband of Jersey Belle & PR star Jaime Primak Sullivan … his job, how the two met, and Michael's distaste for jersey.
Prepare for the next Facebook or Twitter outage by checking out these 'website down' services. These sites tell you if site is down for everyone, or just you.
With Facebook down, people are on Twitter expressing themselves.
Oh no! Does this mean I have to do some work?
Vee Torres is the girlfriend of Jo Rivera on Teen Mom 2. Check out the aspiring model's best Facebook photos.
Meet Ryan Kraemer, the husband of Extreme Weight Loss participant Cassie, in his best Facebook photos.
Check out all the photos we could find on Cassie Kraemer, tonight's participant on Extreme Weight Loss.
Facebook recently launched a new feature across its desktop, mobile and tablet apps that allows users to save links, places, movies, tv, music and events. Here's a quick guide on how to save on Facebook.


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Graffik Gallery
Graffik Gallery is a unique contemporary art gallery specialising in street and urban art.
Graffik gallery was the very first street art Gallery in West London. We are and are known as the trendsetters of this industry. Anything urban or street Graffik is the go-to gallery.
We showcase the most promising and well-known artistic talent in the world, right in the heart of the capital (Notting Hill).
Our gallery has exhibited ground-breaking artists, Banksy, Mr Brainwash, D*Face, The Dotmasters, Clet, Marco Polo, Obey, Alec Monopoly, Skyler Grey, and Stik to name but a few. We also deal in high-end secondary market pieces ranging from Damien Hirst to Andy Warhol. Graffik does have full exclusivity with a number of artists both internationally and in the UK.
As a venue Graffik has hosted a range of events such as video shoots for the music, TV and film industry, private viewings and parties, pop ups and product launches.
Some things Graffik can help with:
§ Do want to buy a Banksy original work or a signed Banksy print?
§ Are you new to the modern art buying market and need our expertise?
§ Are you an established collector that would like something special?
§ Are you looking for an investment piece and would like pointed in the right direction as who to procure and at what time?
§ Want something special for the Company team to participate in?
§ Insured worldwide shipping
§ Exclusive commissions
We welcome the opportunity to appraise, value and market any works on your behalf, discretion is assured.
Follow us on Instagram, Facebook, twitter and LinkedIn @graffikgallery #graffikgallery
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Browsing EUI Theses by Subject "Nationalism"
Now showing items 1-2 of 2
Title:Individual Transnationalism and EU Support: An empirical test of Deutsch's transactionalist theory Author(s):KUHN, TheresaDate:2011Type of Publication:ThesisSeries/Report no.:EUI PhD theses; Department of Political and Social SciencesAbstract:Recent trends of euroscepticism seriously challenge Deutsch's transactionalist theory that increased transnational interactions trigger support for further political integration. While transnational interactions have indeed ...
Title:No one such place : home in Austrian and Swedish landscapes Author(s):KAYE, JamesDate:2003Citation:Florence, European University Institute, 2003Type of Publication:ThesisSeries/Report no.:EUI PhD theses; Department of History and Civilization


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When Paul S. Otellini wraps up his eight years at the top of Intel INTC 0.4844685095468795% Intel Corp. U.S.: Nasdaq USD35.26 0.17 0.4844685095468795% /Date(1472245200348-0500)/ Volume (Delayed 15m) : 14273891 AFTER HOURS USD35.26 % Volume (Delayed 15m) : 196033 P/E Ratio 17.033816425120772 Market Cap 166815052059.174 Dividend Yield 2.949517867271696% Rev. per Employee 527624 More quote details and news » this coming May, he will leave on somewhat of a high note. He has presided over a 56% surge in revenue and a 46% climb in operating profit during that stretch.
Yet the world's largest chip maker is facing serious challenges. As smartphones and tablets increasingly displace personal computers, Intel's revenue growth is expected to slip from 24% last year to a decline of 1% this year and perhaps 2% growth in 2013.
At a recent price of $19.36, Intel shares (ticker: INTC) reflect that somber outlook; they're down some 23% since we ran a bullish story six months ago ("Why Intel Deserves Another Look," May 28).
Whether Intel's stock can rally in 2013 may hinge upon how successfully it deploys its manufacturing expertise to make chips for other companies, rather than on how well it pushes its own chips. That's a big shift in strategy—and one fraught with challenges—but it looks increasingly necessary.
Three years into the tablet market, Intel isn't in any of the products that matter. Apple AAPL -0.5856651482755415% Apple Inc. U.S.: Nasdaq USD106.94 -0.63 -0.5856651482755415% /Date(1472245200376-0500)/ Volume (Delayed 15m) : 27055733 AFTER HOURS USD106.9 -0.039999999999992 -0.037404151860856556% Volume (Delayed 15m) : 710558 P/E Ratio 12.492990654205608 Market Cap 576240093790.144 Dividend Yield 2.1320366560688235% Rev. per Employee 1990500 More quote details and news » (AAPL), which owns half the tablet market with its iPad, uses its own chips. Recently popular models such as Google's (GOOG) Nexus 7 and Amazon.com's amzn 1.2881641684887122% Amazon.com Inc. U.S.: Nasdaq USD769 9.78 1.2881641684887122% /Date(1472245200139-0500)/ Volume (Delayed 15m) : 2744759 AFTER HOURS USD769.2 0.200000000000045 0.02600780234070221% Volume (Delayed 15m) : 32071 P/E Ratio 191.56515457240366 Market Cap 364562909942.627 Dividend Yield N/A Rev. per Employee 522691 More quote details and news » (AMZN) Kindle Fire use chips from Nvidia NVDA 0.8126117341134406% NVIDIA Corp. U.S.: Nasdaq USD62.03 0.5 0.8126117341134406% /Date(1472245200200-0500)/ Volume (Delayed 15m) : 7307340 AFTER HOURS USD62.06 0.0300000000000011 0.04836369498629695% Volume (Delayed 15m) : 193284 P/E Ratio 40.80921052631579 Market Cap 33186049346.9238 Dividend Yield 0.7415766564565532% Rev. per Employee 589466 More quote details and news » (NVDA) and Texas Instruments TXN -0.10025780578630765% Texas Instruments Inc. U.S.: Nasdaq USD69.75 -0.07 -0.10025780578630765% /Date(1472245200215-0500)/ Volume (Delayed 15m) : 4123286 AFTER HOURS USD69.75 % Volume (Delayed 15m) : 37640 P/E Ratio 23.484848484848484 Market Cap 69973899032.5928 Dividend Yield 2.1792114695340503% Rev. per Employee 430297 More quote details and news » (TXN), respectively.
Worse, Intel has won only a handful of smartphone contracts, all of them overseas, giving it no standing in the key North American market. Today's dominant chips for both phones and tablets, be they the custom-designed variety from Apple and Samsung, or off-the-shelf parts such as Nvidia's, are based on designs by rival ARM Holdings ARMH -0.46455866926419903% ARM Holdings PLC ADR U.S.: Nasdaq USD66.42 -0.31 -0.46455866926419903% /Date(1472245200270-0500)/ Volume (Delayed 15m) : 877412 AFTER HOURS USD67.1005 0.680499999999995 1.0245408009635653% Volume (Delayed 15m) : 9077 P/E Ratio 59.308866863112776 Market Cap 31368586122.9498 Dividend Yield 0.7308310749774164% Rev. per Employee 390151 More quote details and news » (ARMH).
But even if Intel can get more traction in these new markets, it will face another problem: making up for lost revenue. Smartphone and tablet chips sell for just tens of dollars, versus an average exceeding $100 for Intel's PC processors. "If the PC market falters at all, it's hard to see how you can replace that revenue—it's just not there with smartphones," says the Linley Group's principal analyst, Linley Gwennap.
To make up the balance, Intel must seriously consider doing what it has refused to do, which is to open its factories to producing chips for other chip companies, sacrificing the pre-eminence of its "X86" software, the code that has been at the heart of its microprocessors for decades. With Apple in and out of court with Samsung, which mass-produces Apple's chip designs for a fee, Apple could very well entertain taking some of its business to the more hospitable environs of Intel's factories.
Otellini, meanwhile, exits with Intel still dominating the most advanced semiconductor manufacturing technologies. One of his great accomplishments has been to press on with development of "Tri-gate," a novel three-dimensional transistor that lowers chips' power consumption and puts Intel years ahead of the competition.
Whether Intel can turn marvels like Tri-gate into a broad-based manufacturing businesses may depend on whether it can convince rivals to trust it with manufacturing their chips. It also requires Intel to devote capacity it would normally use for its expensive chips to the lower revenue that such contracts would yield.
For all its prowess, that is a major challenge, and making the shift won't be easy, by any means. The stock will struggle to record gains until it's clear Intel can make the leap. So, if you don't own the shares, avoid them for now. If you do, hold them—they pay a 4% dividend, after all—but be watchful.
-- Tiernan Ray
E-mail: firstname.lastname@example.com


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Doctor's Best, PureWay-C, Sustained Release Vit. C, 60 Tablets
Volume Discount
Buy 2+Save 5%
- You earn loyalty credit for every order you place at iHerb!
- Loyalty credit is equal to 10% of the value of your order, excluding shipping charges.
- Your loyalty credit will be applied towards your next order as soon as your current order has shipped.
- Your loyalty credits are valid for up to 60 days from the date of your last purchase.
This product is already in your Wish List.
View Wish List
This product is now in your Wish List.
Sorry, this product is no longer in stock.
Expiration Date:?May 2017Expiration Date
The length of time for the expiration date or "best used before" date depends on the type of product, as well as the brand.
Perishable items (such as flax oils or certain probiotics) generally have shorter expiration dates. Although our warehouse is fully air-conditioned, these more fragile items are put in cold storage (freezer or refrigeration unit) for maximum freshness.
Our receiving department does its best to verify and then enter the correct expiration dates for all incoming products. However, discrepancies do occur from time to time. This being said, the exceptionally high turnover at iHerb ensures that our inventory is among the freshest in the industry.
Shipping Weight:?0.18 lbs (0.08 kg)Shipping WeightThe Shipping Weight includes the product, protective packaging material and the actual shipping box. In addition, the Shipping Weight may be adjusted for the Dimensional Weight (e.g. length, width & height) of a package. It is important to note that certain types of products (e.g. glass containers, liquids, fragile, refrigerated or ice packed) will often require protective packaging material. As such, these products will reflect a higher Shipping Weight compared to the unprotected product.
- Product Code: DRB-00191
- UPC Code: 753950001916
- Package Quantity: 60 Tablets
- Dimensions: 2 x 2 x 3.8 in, 0.15 lbs (0.07 kg)
|Combo Discount:
|- $1.86
Sorry, this product is no longer in stock.
- Science-Based Nutrition
- Dietary Supplement
- The Most Advanced Form of Vitamin C Available!
- Superior Uptake, Bioavailability and Cell Retention Compared to Other Forms of Vitamin C
- The Proof is in the Research
- Suitable for Vegetarians
PureWay-C Sustained Release Vitamin C is a unique form of the essential nutrient vitamin C that contains vitamin C lipid metabolites. In fact, it's the most advanced vitamin C available. PureWay-C has been studied in comparison to several other well-known forms of vitamin C.
Lab studies show that PureWay-C has superior uptake, bioavailability and retention in cells, as well as more potent free radical scavenging capabilities than other forms of vitamin C, making it the preferred supplemental form on the market today. This increased bioavailability means PureWay-C has the potential to more potently support healthy neuron function and enhanced immune system activity as compared to other forms of vitamin C. PureWay-C is all-natural, GMO-free and allergen-free.
Suggested Use
Adult Use: For continuous 24 hour Vitamin C coverage, take one tablet every 12 hours.
Other Ingredients
Hydroxypropyl methylcellulose, stearic acid, silicon dioxide, magnesium stearate (vegetable source).
Contains nothing other than listed ingredients
|Supplement Facts
|Serving Size: 1 tablet
|Servings Per Container: 60 servings
|Amount per serving
|% Daily Value
|Vitamin C (as PureWay-C and ascorbyl palmitate)
|500 mg
|Citrus bioflavonoids
|50 mg
|† Daily Value not established.
PureWay-C 500 mg with Bioflavonoids is different than all previous forms of vitamin C because it employs naturally derived lipid metabolites, from vegetable waxes, to enhance the uptake, distribution and release kinetics of ascorbic acid. PureWay-C uses lipid metabolism to alter the lipid absorption potential of generally water-soluble ascorbic acid, thereby enhancing the vitamin's bioavailability unlike any other formulation. Lipid metabolites interact with cells in a non-toxic, safe and effective manner to enhance bioavailability of ascorbic acid. Plus, it's scientifically proven to scavenge up to 93% of free radicals! PureWay-C has independent research to support its superior health benefits to nervous system, skin and immune system health. Make the switch to PureWay-C today! . . . . You can find other products I use on my Page! I use only products that have Scientifically Proven benefits.
the pureway c was recommended by a family physician due to the fact that in clinical research, it showed higher uptake and retention levels in the bloodstream as opposed to traditional ascorbic acid. this has been very helpful for my system. it is easy on the stomach, and i always take it on an empty stomach without any irritations. if tablet size is an issue for you, these are relatively on the smaller size
Works great, tastes perfectly acceptable
Posted by Reviewer1366088 on Jul 01, 2016
Nice size to swallow with some water. Works great to boost immunity, I recover from colds & flu quickly with combination of this & zinc 15mg. No negative effects on stomach whatsoever.
Delivery is fast
Posted by 5230214005654105222 on Jun 16, 2016
Delivery is fast and you get what you see. Am taking the Vitamin for few days only so not sure the effect yet.
Highly pleased.
Posted by Reviewer2073121 on Apr 04, 2016
I take this product with fish oil because I believe it to be fat soluble. Never experience stomach discomfort. Continue to reorder regularly.
Totally mind blowing
Posted by Reviewer1702027 on Jan 28, 2016
Im a big fan of supplements, and do magnesium, zinc, coq10, k2 and omega 3 daily. Before i started with this i did doctors best C vitamin, but this sustained release version is mind blowing out of all supplements i take daily. It basically feels like im on a concentration mind-clarity buzz all day. Alot of studys shows that in a stressful enviroment the body will use up its storage of c-vitamin to try prevent stress in body. This supplements provides exactly what the body look for.
Sustained Release Vit. C
Posted by PeterPanos on Jan 27, 2016
Clean high quality sustained release vitamin C I've been looking for ages! I take one twice daily for continuous 24h coverage and it really helped me to boost my immune system. I will definitely buy again.


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Supermarkets are taking an aggressive stance on summer film merchandising, using a variety of price promotions and secondary displays to highlight the category. At B&R Stores, Lincoln, Neb., power panels and clip strips positioned at heavily trafficked sites will accent film at reduced retail prices pegged close to Wal-Mart's and Super Kmart's. These displays "have worked well in the past," said Barb Zugmier, nonfood director. Power panels with mostly single-roll packages will be ...
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