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The Future of General Insurance returns to London for its 16th year on 7th, 8th and 9th November 2016. With a brand new day, Innovation in Insurance, followed by the General Insurance Summit, this year's pioneering conference boasts more content, speakers and networking opportunities than ever before.
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Monday, 7th November 2016
Session One: Driving excellence in innovation strategy
Overcoming innovation inertia
- Is it a case of innovate or die: could the insurance industry be 'Uberised'?
- Where do the biggest opportunities for growth and innovation lie?
- What are the greatest obstacles to making insurance a truly innovative industry?
- Friend or foe: do start-ups present an opportunity or threat to incumbents?
- How can established insurers keep pace with new entrants?
- Being a world-class partner: what steps need to be taken to ensure effective collaboration?
- What kinds of human resources strategies need to be adopted to further innovation efforts?
- What will the insurance sector look like in 10 years? What will be the biggest disruptions?
Session Two: Lessons from the innovators – laying the foundations for success
- Understanding the crucial role of data in the age of innovation
- Determining value: what sources of data are most useful?
- How can data be used most effectively within innovation processes?
- Customer-focused ideation: thinking about the end result
P2P insurance: revolutionising the insurance model
Lemonade, a peer-to-peer insurance company from the US, sets itself out as offering an entirely new experience for customers, one that has zero bureaucracy and is powered by technology. This case study will examine Lemonade's approach to insurance and how this is set to change the industry.
Session Three: Breakout workshops
In this session delegates will have the opportunity to attend two out of three workshops. Each workshop will run in slots between 13.45–14.15 and 14.20–14.50. The workshops will be run by leading experts who will give practical lessons on different aspects of innovation. After the second round of workshops each expert will feed back to the whole room giving delegates key lessons to take away.
Workshop option 1
Cultivating the culture of innovation
Workshop option 2
Developing and testing propositions at speed
Workshop option 3
Bringing winning ideas to market quickly
This workshop will focus on strategies to create an innovation-friendly environment, including behavioural traits to encourage and ways to eliminate barriers to progressive thinking.
Rod Willmott, Fast Track Innovation Director, LV=
This workshop will provide delegates with practical lessons on how to develop and test viable propositions quickly and fail efficiently where necessary.
Matt Poll, Co-Founder and Chief Executive Officer, Neos
This workshop will focus on enhancing efficiency when getting products to market, overcoming common challenges and keeping to schedule.
Iain Harper, Chief Executive Officer, InMyBag
Session Three Continued: Breakout workshops
Each expert will feedback the most interesting findings of the workshops to the whole room.
Session Four: Recruitment and staffing strategies for innovation
Attracting innovation talent
- What skill sets are most desirable for innovation in insurance?
- Recruiting from outside: from what other industries can insurers glean talent from?
- Why does the insurance industry continue to be an unpopular employment choice?
- What steps need to be taken to make the industry attractive for innovative leaders?
- Mapping the future workforce: what does it look like and how do we get there?
Session Five: InsurTech – the revolution in insurance
This session will give delegates the opportunity to hear from organisations disrupting the insurance industry. Three InsurTech start-ups will outline how they hope to transform insurance as we know it, and what they believe the future will hold for this increasingly innovative industry.
now4cover aims to fix the common consumer gripes about complexity, lack of transparency, dual pricing and excessive fees in insurance products. Through combining a deep understanding of the market with data, technology and pricing, now4cover is set to deliver innovative digital insurance solutions.
Insure A Thing aims to turn the insurance model as we know it on its head by taking the gambling out of insurance. With a commitment to simplicity and upfront interaction, Insure A Thing is dedicated to overcoming the common woes of insurance customers and improving the overall customer experience, particularly at the point of claim.
SPIXII is an automated insurance agent dedicated to making insurance quicker, easier and more personal than ever before. With a simple conversation, customers can find out what insurance would be right for them in an instant. This is insurance made simple.
Partnering for innovation: understanding the key success factors
- How can you best identify potentially successful partnerships?
- Strategic relationships for mutual benefit: ensuring the partnership meets both sides' needs
- Avoiding difficulties: what are the key obstacles to a successful relationship
- Sharing best practice: lessons from the world of banking and FinTech
Sabine Vanderlinden
Insurance, Managing Director
Roberta Profeta
Innovation Lead UK – CIO Area of Governance
Intesa Sanpaolo
Tuesday, 8th November 2016
Session One: The evolution of insurance – a strategic overview
Delivering for the customer: a global perspective
- What technology has the greatest potential to transform insurance?
- Dealing with new risks: where do the biggest threats lie? How will this impact the industry?
- Brokers and insurers: is the line set to become increasingly blurred?
- The sharing economy: what does this mean for insurers and how should they respond?
- Looking to the future: what will be the biggest changes to general insurance over the next 10 years?
Alastair Swift
Head of Corporate Risk and Broking, GB
Willis Towers Watson
Robert Flynn
Managing Director
Digital disruption and the art of innovation
Session Two: Streams
- Stream A: Evolving the insurance proposition
- Stream B: Delivering superb customer experience
- Stream C: Commercial lines focus: unlocking the implications of the Insurance Act
- In what ways is the sharing economy complicating risk?
- What steps need to be taken by insurers to effectively deal with this ever-growing trend?
- Educating the customers on the scope of their existing insurance and what further cover may be required
- Pinpointing the value of new data sources
- Understanding the potential of the Internet of Things to transform the products and services insurers offer
- How will underwriting change in the increasingly connected world
- Risk prevention as an added service to the core product: is this the future?
Opportunities for growth: new risks, new propositions
Delegates will have the opportunity to discuss the following questions at their tables. The audience will then have a chance to feedback to the Chair and speakers for comment.
- Emerging trends: what new risks are set to impact insurance and the products offered?
- What technologies offer the greatest potential to help model risk better?
- From asset to individual: to what extent is the nexus of risk changing?
- Shifting the focus away from annual renewal: will pay-as-you-go insurance change future propositions?
- Giving the customers what they want: how can greater flexibility be built into products?
- Mapping the shift from then to now: the changing nature of customer expectations
- Measuring up to the standards customers expect: a Direct Line perspective
- What does a future-proof customer strategy look like?
- Understanding today's channels and their respective strengths and weaknesses
- The importance of channel preference: effectively communicating with disparate demographics
- Delivering a seamless omni-channel experience for each and every customer
Identifying and overcoming friction points in the customer journey
Delegates will have the opportunity to discuss the following questions at their tables. The audience will then have a chance to feedback to the Chair and speakers for comment.
- · Personalisation: where do people want it and when does it become an annoyance?
- · At what point does digital communication become frustrating for the customer?
- · What are the main sources of customer dissatisfaction? How can these best be overcome?
- What new bugbears and friction points may be about to emerge?
Deriving value from proactive compliance: the Insurance Act
- To what extent has the Insurance Act enhanced fairness?
- How and where can the greatest value be derived from proactive and effective compliance?
- How can new processes required by the Act be made as smooth and client friendly as possible?
- The cost of changes: where will the principal cost burden apply?
- What lessons can be learned from the implementation of the Consumer Insurance Act?
- How will the Insurance Act affect underwriting and pricing?
Simon Cooter
Commercial Lines & High Net Worth Director
Cathy Taylor
Head of Underwriting and Operations
Tamara Goriely
Commercial and Common Law Team Manager
Law Commission
Session Three: Streams
- Stream D: Leveraging a return from big data investments
- Stream E: Claims optimisation
- Stream F: Commercial lines focus: assessing the future landscape of commercial distribution
Data-led decision-making
This case study will examine RSA's approach to data and how it has led to improving customer experience. RSA will reveal key lessons in its quest to become a leader in data strategy, predictive insights and analytical excellence.
Speaker to be confirmed
- Heart-felt communication: is this the key to inspiring deep customer loyalty?
- Recruiting for emotional intelligence: what attributes should you look for?
- Giving your staff the necessary skills: what kinds of training are most effective?
Automated and self-service claims: a win-win?
This case study will examine the changes that NEM Forsikring is making to its claims processes and how these are positively affecting both the customer and the company. Delegates will learn how increased levels of automation, a self-service claims process and an improved web-interface are bringing about greater efficiency and satisfaction.
The insurer-broker relationship: where will it go from here?
- What does increasing consolidation mean for brokers, providers and customers?
- How can insurers and brokers better meet one another's expectations?
- What does a successful partnership look like?
- How can success be driven from both sides?
- What can be done together to optimise the customer experience?
- How is the relationship between insurers and brokers changing?
Speaker to be confirmed
Digital transformation of commercial lines distribution
Speaker to be confirmed
Kevan Aubrey
Head of Commercial Distribution
Mark Cliff
Executive Chairman
Brightside Group
Session Four: Streams
- Stream G: Excellence in operations
- Stream H: Tackling fraud in 2016 and beyond
- Stream I: Commercial lines focus: defining data strategy
- Utilising Artificial Intelligence and robotics: in what areas will they have the most impact?
- What does adoption mean for existing business models?
- What is the likely impact on the extent of outsourcing?
Starting small, achieving big – recognising the value of incremental change
This case study will look at how companies can deliver continuous improvement through small changes. Tim Yorke will outline how ERS is rolling out this approach, the effect it has had on efficiency within the company and the extent to which it is elevating customer experience.
- Demystifying the Deep and the Dark
- How is the Dark Web used by fraudsters?
- How can insurers glean vital information from the Deep Web in their quest to prevent and detect fraud?
Fleetcare+ Insurance
Towergate Insurance has capitalised on the opportunities that telematics provides through its Fleetcare+ initiative. This session will focus on enhanced data capture from fleets and the opportunities this has for insurers.
Speaker to be confirmed
- Deriving business value from the data rush
- Assessing the principal ways in which big data can deliver fresh insights
- What steps need to be taken to capitalise on big data and analytics?
The evening's entertainment begins…
Wednesday, 9th November 2016
Session Five: Streams
- Stream J: Building relationships that endure
- Stream K : Commercial lines focus: cyber risk - the opportunities and threats
Forming successful relationships with customers
This case study will look at how SPIXII, as a new company, is building relationships with a brand new customer base. SPIXII is an automated insurance agent dedicated to making insurance quicker, easier and more personal than ever before. Renauad Million will share his experiences from building a new company, engaging with new customers and how he intends to grow fruitful relationships.
- Lessons from industries with high customer turnover
- Outlining key factors that affect human reasoning
- Pinpointing drivers of loyalty for disparate demographics
- What important steps can be taken to lessen customer turnover?
- What are the overarching trends driving potential changes in insurance pricing?
- From loss leader to loyal customer: re-evaluating renewals pricing
- Clarity for the customer: advancing transparency through better communication
- Striking the right balance for a future-proofed pricing strategy
Deepening customer relationships
- Beyond traditional points of communication: when is there a need for increased contact?
- Does digital communication impair or enable the establishment of enduring relationships?
- Understanding customer needs: in what ways can the insurer positively embed themselves into customers' lives?
- How can customer understanding best be improved?
- Effective communication: how can insurers inspire consumer trust?
- How can extra value be added to core products?
Further speaker to be confirmed
- Assessing the extent of cyber risk: what does the data tell us?
- What technological advances are most likely to increase cyber risk?
- Cyber insurance as a standalone product: moving beyond add-ons
- Tackling underinsurance: what can be done to raise awareness?
Underwriting cyber risk: tackling the complexity
This case study will look at Allianz's approach to complex risk, specifically its cyber proposition. Delegates will gain practical insight into building an accurate risk model necessary for underwriting an effective and accurate cyber liability product.
Opportunities and challenges of developing a new insurance line
Delegates will have the opportunity to discuss the following questions at their tables. The audience will then have a chance to feedback to the Chair and speakers for comment.
- How can the issue of a lack of historical risk data be overcome?
- How can these be overcome?
- What can be done to prevent cyber breaches?
- Is enough being done by insurers to secure their own data?
- What will future cyber breaches look like?
Session Six: Streams
- Stream L: Building an effective and transparent distribution market
- Stream M: Commercial lines focus: insuring increasingly complex risks
- Adding value to the insurance market: assessing the role of aggregators
- How can aggregators create a competitive edge in a highly saturated market?
- What steps can aggregators take to further transparency for the customer?
- What are the challenges of selling to today's customer?
- What does a successful digital strategy look like?
- How can customers be encouraged to buy online?
- Where is the future of distribution heading?
Envisioning the future of the distribution landscape
Delegates will have the opportunity to discuss the following questions at their tables. The audience will then have a chance to feedback to the Chair and speakers for comment.
- What are the challenges of selling to today's consumer?
- Which new entrants are likely to have the greatest impact on the future of distribution?
- Are ad-ons still a viable distribution strategy given the newly regulated climate?
- What impact is the publication of claims ratios likely to have on market efficiency?
- Beyond the aggregator model: what's next?
- How will distribution change over the next 5 years?
- How are the needs of global clients evolving?
- Understanding the complexities of global risk management programmes
- Navigating differing legislative and regulatory regimes
- Predicting the future of global risk management
- How is reputational and brand risk changing in the Digital Age?
- Deciphering insurable risk: what are the challenges and opportunities for insurers?
- Managing security and providing crisis management: an overview of offerings
- Awareness raising and preventative action: what more can be done by the insurance market?
- Assessing the industry's response to last year's extreme whether
- Lessons learnt: what steps need to be taken to improve industry actions?
- Looking to the future: where should the industry be in 5 years' time?
Session Seven: Flashes of the future – what's on the horizon?
Envisioning the future of automotive and the implications for motor insurance
- How are connected and autonomous cars set to shape the future of the automotive market?
- From car ownership to mobility: is this the way ahead?
- Where is liability likely to lie as the mobility model changes?
- What new insurance requirements must insurers be ready to meet?
- Timeframe for change: when are new in-car technologies likely to mainstreams?
- Technology-enabled insurance policies: how telematics is transforming motor insurance?
- Adding new value: what kind of data-driven propositions will motorists find useful?
- Pay-as-you-go insurance: is this the future?
Further speaker to be confirmed
Blockchain in action: lessons from SafeShare Global
SafeShare Global launched its first blockchain insurance solution for the sharing economy earlier this year. In this case study, Alexander Steinart, CEO, SafeShare Global, will outline how blockchain has enabled them to effectively engage with the sharing economy, delivering accurate and convenient insurance cover whilst keeping costs to a minimum.
Increased connectivity in the home is already transforming the utilities sector, but the potential of the connected home is much broader than this. This presentation will examine the future of the Smart Home and the opportunities it provides insurers.
Who attends?
Regularly attended by 300+ insurance professionals, here's a sample list of companies already confirmed to attend this year:
- Admiral Group
- Ageas
- Allianz Group
- April UK
- Autoglass
- Aviva
- AXA Group
- Belron International
- BGL Group
- BMW Financial Services
- CatDogFish
- Chubb Group
- Confused.com
- Covéa Insurance
- Direct Line Group
- Experian
- Financial Conduct Authority
- Hiscox
- Hive by British Gas
- Law Commission
- Lumley Jacobs
- Moore Stephens
- Motor Insurers' Bureau
- NEM Forsikring
- Neos
- NFU Mutual
- RSA Group
- Sompo Japan Insurance
- Startupbootcamp
- Swiss Re
- Tesco Bank
- Tesco Underwriting
- The Co-operative Insurance
- Topdanmark
- Travelers
- Tryg
- Weightmans
- Willis Towers Watson
- XL Catlin
- Zurich Insurance Group
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The NFL playoff field is set, and one of the first ideas I had was the comparison between teams vying for the Super Bowl and GOP candidates surging for the White House.
In both scenarios, there are front-runners and others in decline. We can make fairly educated decisions about what to expect at the end of both races.
The only major candidate I will not draw comparisons to is Herman Cain, since he dropped out and cannot win anything.
Well, maybe some lawsuits but nothing political.

subset: commoncrawl


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Dallas Attractions: A Wonderful Blend of History, Culture and Fun
By Denise Brandenberg
Dallas Local Expert
While everyone knows that Dallas is the place for shopping and dining, discerning travelers can also find a wide variety of attractions and activities in Dallas. As Big D features beautiful weather for most of the year, some attractions offer beautiful outdoor scenery with plenty of pathways and walking trails, such as the Dallas Arboretum and White Rock Lake Park.
Other Dallas landmarks are where significant historical events occurred, and visitors can see them in perfectly restored settings. Culture lovers can visit one of many area museums that feature a wide variety of art exhibits – from the roots of modern art to outdoor sculpture gardens. In fact, the downtown area of Dallas is a constantly-evolving work of art ideal for architecture buffs. If traveling with children (or kids at heart), visit the fun and educational Dallas Zoo and Dallas World Aquarium to see some of nature's most magnificent creatures up close.
Visitors can choose from a wide variety of attractions to fit their schedules and interests. There are plenty of places perfect for a single free afternoon, while other venues offer so many sights, that the traveler will need a full day (or two or three) to take it all in. No matter where you go, expect friendly, Texas hospitality at all the best Dallas attractions.
Klyde Warren Park
Located between Downtown and Uptown, the innovative Klyde Warren Park is one of Dallas' newest green spaces and it features a wide variety of activities and features, including a dog park, children's playground, fitness area, putting green, ping pong tables, croquet play area, and much much more! This deck park also has many scheduled events, such as concerts. After you work up an appetite getting a great workout from all the free activities, check out the food truck station for a snack or eat at the onsite Shake Shack. Or better yet, bring a picnic lunch and enjoy your meal out in the fresh Dallas air. (214-716-4500)
Nasher Sculpture Center
Located next to the Dallas Museum of Art, the Nasher Sculpture Center is one of the premier art museums in Dallas, Texas. The center seamlessly blends indoor and outdoor galleries: while it's reminiscent of an archaeological site, it is thoroughly modern, producing a fascinating dichotomy. Plan to spend a morning or afternoon there, as there is much to see. And your kids will even enjoy this type of art! The fabulous collection includes works by greats like Pablo Picasso, Auguste Rodin, Jean Arp, Constantin Brancusi, Max Ernst, Willem de Kooning, Alberto Giacometti, Jasper Johns, Jeff Koons, Joan Miró --- the list goes on and on. (214-242-5100)
George W. Bush Presidential Center
The George W. Bush Presidential Center is the home of the Bush Presidential Library and Museum, and the Bush Institute. Visitors can gain access to a wide variety of official records and artifacts from the Bush presidential term, including more than 70 million pages of paper records, four million digital photos and 200 million emails. The museum also features a full-scale replica of Bush's Oval Office, steel from the World Trade Center, and Florida voting chads from the 2000 election. Visitors are invited to scrutinize some of Bush's most controversial choices in interactive exhibits that put them in his position when he faced the Iraq war, Hurricane Katrina and the financial bailout. This Dallas attraction is located on a 15-acre park on the campus of Southern Methodist University in the University Park neighborhood. (214-200-4300)
Dallas Museum of Art
As its name might suggest, the Dallas Museum of Art is the number one stop among art museums in Dallas, Texas. Its more than 23,000-item collection embraces everything from European paintings to Pacific Island sculptures, from ancient times to the present. Frederic Church's "The Icebergs" and classic Impressionist works by Edouard Manet and Paul Gauguin are just a few of the standouts. Limestone galleries spiral from the museum's center, ensuring easy navigation and outstanding viewing. This museum always has several international exhibitions on display, as well as a wide variety of permanent collections, such as the African collection and the Ancient Mediterranean art collection (214-922-1200)
White Rock Lake Park
Set on the shores of a reservoir constructed in 1911, this city park's grounds in Dallas, Texas offer some of the best outdoor recreation around. White Rock Lake encompasses over 1,000 acres of wooded parkland and features 9 miles of jogging and biking trails perfect for spending the day outdoors. Bird sanctuaries are located on the premises, along with wetland sites endorsed by the Audubon Society. In addition, the park provides scenic views of the Downtown Dallas skyline and some fantastic fishing spots. Pack up a delicious picnic and plan on spending the day at this beautiful, quiet spot that is a favorite of Dallas locals. (214-670-4100)
Dallas Zoo
On a gorgeous day, there are few better places to bring curious kiddos than the Dallas Zoo, home to approximately 8,000 captivating creatures. The renowned "Wilds of Africa" exhibit is always a crowd-pleaser, with highlights including playful chimps, majestic African elephants and relaxing monorail tours. Feed the giraffes and eat lunch overlooking the lion exhibit before heading to the well-loved children's zoo, where young visitors can pet pygmy goats, ride ponies and feed the birds. This popular children's attraction always has seasonal events, like trick or treating at Halloween. Kids will also love the monorail train that whisks visitors through the park. (214-670-6826)
Dallas Arboretum and Botanical Garden
Located on the eastern shores of White Rock Lake, the Dallas Arboretum and Botanical Garden features 66 acres of blooming flower beds, manicured lawns and lush trees. The gardens house over 2400 types of azaleas, including the only publicly accessible Huang Collection specimens found outside China. The property also showcases beautiful statuary and the DeGolyer Mansion, an exquisite Spanish-style hacienda commissioned in 1940 by Texas oil baron Everett DeGolyer. The Dallas Arboretum and Botanical Garden hosts a number of special events and festivals and makes a great stop for a scenic picnic. Visit during the autumn season and spring seasons to see amazing seasonal exhibits. (214-515-6500)
Perot Museum of Nature and Science
The Perot Museum of Nature and Science is Dallas' newest museum. It is the combination of three already-established museums, the Dallas Museum of Natural History, Dallas Children's Museum and the The Science Place. This new museum is conveniently located near the Arts District and Klyde Warren Park along Woodall Rogers Freeway, between Downtown and Uptown. Opening its doors for the first time on December 1, 2012, the Perot Museum of Nature and Science features a wide variety of exhibits and activities perfect for the whole family, including an IMAX theater; an outdoor plaza; a one-acre science park with water features, giant leap frogs and musical instruments; and a Texas-inspired landscape design. Visitors are greeted by a Malawisaurus dinosaur fossil and "dancing water" molecule exhibit in the museum's lobby. (214-428-5555)
Dallas World Aquarium
From the outside, you may not even realize what a fantastic spot the Dallas World Aquarium really is! Frenzied crocodile feedings, exotic birds soaring freely overhead, a 40-foot waterfall and mesmerizing Mayan dance performances are just a sliver of the thrilling sights and sounds awaiting visitors in the multi-level rainforest of the Dallas World Aquarium. This fantastically fun, one-of-a-kind zoological park features such incredible highlights as free-roaming New World monkeys, rare Antillean manatees, sloths, crocodiles, a panther, sea turtles, majestic jaguars, frolicsome otters, car-sized catfish, a 400,000-gallon shark tank and heartwarming sloth and penguin feedings. The aquarium is stroller-friendly, so it's perfect for young families. (214-720-2224)
Sixth Floor Museum at Dealey Plaza
The Sixth Floor Museum in Dallas, located at historic Dealey Plaza in the former Texas School Book Depository building, examines the life, times, death and legacy of President John F. Kennedy. Its impressive collection includes nearly 40,000 photographs, interviews, artifacts, interpretive displays and award-winning videos that chronicle the historic chain of events preceding his assassination on November 22, 1963. Visitors can also enjoy interactive educational programs on the sixth and seventh floors. If you can't put down your smartphone, use it to explore the museum and Dealey Plaza. After a contemplative walk-through, you'll want to be sure to visit the museum store for keepsakes. (214-747-6660)
About Denise Brandenberg
Born and raised in Dallas, Denise Brandenberg has been a self-proclaimed "Dallas Ambassador" for out-of-town friends and colleagues for years. Denise started her career as an advertising agency copywriter, recruiter, and manager of online forums for an international meeting planning association. She ventured off on her own a few years ago, to start an adventurous career as a freelance writer and marketing consultant. Denise's other work can be found at Global Road Warrior, USA Today, Chron.com, The Motley Fool, LovetoKnow, The Meeting Professional, and several other online publications.
Read more about Denise Brandenberg here.
Connect with Denise via: Google+
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WASHINGTON - The chairs of the Senate and House budget committees, Sen. Patty Murray (D-Wash.) and Rep. Paul Ryan (R-Wisc.), announced yesterday a budget deal that would increase spending by $63 billion through the end of the next fiscal year and would offset that spending with $86 billion in spending cuts and revenues over the next decade, yielding a net deficit reduction of $23 billion.
The spending increase of $63 billion is the total of a $45 billion increase for 2014 and an $18 billion increase for 2015.
The proposal needs to pass both the House and the Senate, but already in the House, it is drawing fire from the same right-wing crowd that forced a government shutdown in October.
The compromise does not raise taxes on the rich or provide money for rebuilding infrastructure, things backed by Democrats. On the other hand it made no additional cuts in Social Security or Medicare, things Republicans have been pushing for. It also fails to extend emergency federal unemployment benefits for 1.3 million whose benefits expire on Dec. 28.
Trying to sell the compromise to conservatives, Ryan said it is "a budget agreement that reduces spending without raising taxes" while easing the pain of "arbitrary" spending cuts of the sequester. "This agreement makes sure we don't have a shutdown in January and that we don't have one next October," said Ryan.
Many progressives, of course, are also unhappy about the deal.
"There is no reason to cheer an agreement that requires unwarranted pension cuts for federal workers, including VA nurses who earned that pension, underfunds nutrition programs and fails to extend assistance for the long-term unemployed," said National Nurses United co-president Jean Ross, RN. "Austerity budgetting, reflected in this latest deal, continues the disturbing focus by politicians in both parties in Washington, who should be fighting for jobs at living wages, restoration of the disgraceful cuts in food stamps, healtcare for all, housing assistance, and other human needs, not simply how to please Wall Street ande the banks," said Ross.
Others felt there was no choice but to compromise. "For far too long here in Washington D.C., compromise has been a dirty word when it comes to the budget," Murray said. "We have broken through the partisanship and gridlock and reached a bipartisan agreement that will prevent a government shutdown in January and roll back sequestration cuts. In trying to sell the compromise to progressives, Murray said, "The deal supports the principle that sequestration cuts shouldn't be replaced by spending cuts alone."
The liberal Center for American Progress saw the deal as "imperfect" but as a "good first step." "The Murray-Ryan budget agreement is far from perfect. It only partially repeals the damaging austerity of sequestration," the Center said in a statement. "It makes some unfortunate but inevitable choices about where to cut spending and raise revenue, choices owed to conservative refusal to close any tax loopholes. However, while these unhappy compromises had to be struck to make it happen, the deal is certainly a better choice than further damaging our economy with another full year of sequestration."
Richard Trumka, president of the AFL-CIO said that while the deal "provides temporary relief from sequestration budget cuts over the next two years, it does not represent the clean break with austerity that our economy so urgently needs.
"It is shocking that the Republicans have refused to include extension of unemployment benefits in the budget," he said.
Nevertheless, Trumka said Sen. Murray deserves applause "for resisting Republican demands to cut Social Security, Medicaid, and Medicare benefits, and food assistance for people with low incomes."
Murray herself wanted to go further than the deal she ended up signing off on. "I was disappointed that we were unable to close even a single corporate loophole," she said, when she discussed the deal after it was announced.
On unemployment benefits, Murray said House and Senate leaders would "continue to talk." She did not say whether there would be any separate votes on the extensions, however, raising speculation that any extension of benefits was already dead.
Photo: Scott Applewhite/AP


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News » Workplace
1 thru 10 of 267 Stories
Ex-Employee Sues Whole Foods for $75K for Anti-Gay Harassment, Discrimination
A former employee for Whole Foods in Boulder, Colo., is suing the supermarket company for anti-gay harassment and discrimination she said she endured, and is seeking $75,000 in damages.
Lawyer for Gay Police Chief Says She Was Fired Illegally
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A long-time high school music/chorus teacher and swimming coach resigned last month amid a scandal involving texts he sent to an 18-year-old boy via Instagram suggesting the student drink and get naked with him.
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Summertime and the Living Isn't Easy: Use Your Vacation Time!
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Most Liked Positive Review
Love my new range
I am very happy with my new 5 burner double oven gas range. I waited a long time to purchase a double oven range and did a lot of research before choosing. The KitchenAid...Read complete review
I am very happy with my new 5 burner double oven gas range. I waited a long time to purchase a double oven range and did a lot of research before choosing. The KitchenAid had the most features for the price. Since receiving my range, I've only found a few things I don't like. One is the design of the knobs. The panel where the knobs attach is angled. While it looks nice, it reduces the surface area of the stovetop. You can get 4 pots on there, but they had better not be large ones. I also had to purchase a new 2-burner grill pan because mine would not fit on the top of the range. The burners are bit too easy to turn on. If I lean over the range (not while it's on, of course) to get a pot from the cabinet above, I bump at least one of the knobs and a message begins rolling across the panel telling me to check to see if the burners are off. One other thing that might not apply to anyone else - I live in an area where the power goes out frequently. My previous gas range burners would still operate when lit with a match. Not so with the KitchenAid. No power, no gas. Those issues aside, the range works beautifully and looks just as good. The ovens bake evenly and having 2 ovens is a dream. I will never own a single oven again. The controls are easy to operate and the glass display is easy to clean. Overall, the whole unit is easy to clean for a gas range. I ordered it in white to match my other appliances. I imagine the stainless would be more difficult to clean. The extending rack in the lower oven really makes removing heavy pots easier. I worried it would be difficult as the lower oven really is quite low to the floor. I find that I use the upper oven most often since I'm usually cooking for one. But the lower oven bakes two large trays of cookies evenly with the convection turned on. I don't miss the storage drawer as much as I thought I would, and it was worth losing the drawer to gain another oven. All in all, there are a few small things I would change, but I wouldn't give up my KitchenAid range for anything. Would recommend.
Most Liked Negative Review
Looks great, but not worth it.
I think the double oven feature is great. I love the Cobalt Blue interior. But not worth giving up 8 inches of cooking space on top.I have had nothing but...Read complete review
I think the double oven feature is great. I love the Cobalt Blue interior. But not worth giving up 8 inches of cooking space on top.I have had nothing but problems with this range for these 4 months I have owned it. The first range that was delivered had a faulty lower over door, that didn't seal properly. That range was replaced, and now I have come to discover the hard way that the upper oven in my new range is off by 50 deg. Not good when you are trying to bake that perfect cake – Ok that can be fixed, but what really makes me unhappy with this range is that the cook top space is tiny and the proportion is HORRIBLE. The design of this range has the knobs on an angle that consume about 6 inches of cook top space, plus the grills also start on an angle, removing about another 2 inches, so the depth of your cook top area is reduced by about 8 inches. It is hard to have two pans going at the same time on the same side, one they don't fit, and if they do, one will be close to tipping over because the grills end on an angle. If I am able to miraculously find two pans that will fit on the same side they are not centrally placed over the flame, because the design of the angled grates don't allow that. It is hard to just get on pan placed centrally over the flame without your pan tipping over and possibly causing a bad accident. WHAT A HORRIBLE DESIGN.I am a busy mother of two, I don't spend all day in the kitchen, but when I do I want to have enough space to cook my pasta, my chicken breast, and sauce at the same time, but I can't, pans don't fit properly.I am so disappointed, I was much happier with my old GE.
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Burner Valve failure
By Lefty Karl
from Orange County, CA
Comments about KitchenAid 30" Black Freestanding Gas Double Oven:
Bought this double oven gas range because I wanted a double oven with gas range when I remodeled the kitchen. Has worked mostly as expected, but had the right front burner valve go out after only 3 years. Should last longer than that. The top is also difficult to keep clean, even if you stay on top of it.The racks in the oven can be difficult to move around.
Bottom Line No, I would not recommend this to a friend
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Now we're cooking!
By GotBoyz
from Manhattan, IL
This oven is reliable and easy to clean. Cast iron grates are a MUST HAVE! Having to large pieces to clean are somehow much easier than the smaller ones. I find that I don't use the middle burner. I can't fit anything on it when I've got something on another burner. The griddle that comes with the range is perfect for cooking pancakes, sausage, or bacon. The only drawback is that the burners ignite very easily. I bump into one of the knobs while I'm cooking and the burner turns on. I have older kids, so this isn't much of a problem. (Unless we've put a pizza box on the range!) It would be a huge concern if I had little kids.
Bottom Line Yes, I would recommend this to a friend
(1 of 1 customers found this review helpful)
KitchenAid gas stove is great!
By hiker2
from Cleveland, TN
This is the first time we have bought all KitchenAid appliances for our kitchen. After using them every day for over two years I can say without a doubt they perform as well as they look. The best brand we have ever purchased in the last 40 years!
Pluses and minuses
By Jmack
from Morristown, NJ
Bought all new kitchenaid appliances at the same time nearly 3 years ago. This range has great features. Love the dual ovens and convection. Stove is great. Love the griddle too. ANd the optional fifth burner is a great bonus. Here are the issues. The upper oven just does not get hot enough. For some reason it does not heat up to the same temperature as the lower oven. THis may also be related to our current issue which is that the broiler does not work now. And in fact, we've had a licensed KA repair guy in to check it out and he can not seem to figure out what's wrong. What's more it looks like the igniter is crapping out when you turn it on but the gas still come out. This issue according the repair guy is very dangerous and so he plans to come back and enlist Kitchenaid engineering team by phone in order to try and resolve. Overall, we like Kitchenaid Products but are not impressed with their service. They don't seem to have a very comprehensive data management system so when you call, they can't pull up old orders for example. They are also not very flexible w returns and repair needs.
Not Happy
By Frustrated
from Wisconsin
The knobs on the front control panel are too easily turned on just enough to allow the gas to come through but not enough to for the sparkler to start. Have accidentally turned the knobs many times when working near the stove and reaching into the cupboards above or to the sides. Have had to have service work done on the control knobs at least 3 times. Glad we purchased the extended warranty because most of the failures happened after the manufacturer warranty ended. And of course now that the extended warranty is done, we have had the same failure. So now I cannot use the front right burner as it will no longer turn on. Not sure what a service call to repair it will cost. SO NOT HAPPY!
2 knobs got stuck within 2 years of buying new unit
By Raghu S.
from Austin
We bought a new gas range unit Model # KGRS505XSS. Within 1 year one of the knobs got stuck in off position. We had to call in an authorized appliance expert to fix it at cost of apprx $150. Then 1 year later a different knob got stuck in off position and we're unable to turn that burner on. The failure is random in that it just shows up even when we're not operating that knob at all. We've been using different brand of gas ranges for 30 years in small family type kitchen use cases. This type of problem has never happened to us before, so we cannot even attribute this to poor use on our side. This points either to a defective unit OR a fundamental design problem. We bought KitchenAid expeting high quality and reliability. Now shelling out $150 to $200 each time is very frustrating for a new unit and we have to schedule a repair person and wait for half day window for the gentleman to show up.
I love it!
By showu2sew
from Turlock, CA
I've had this for about 3 weeks and I love it..
great buy
By Don the cyclist
from Thompson, CT
Our old range had seen better days and was due to be replaced. We decided on this Kitchen Aid and are happy we did. It has exceeded our expectations. I recommend a Kitchen Aid range for anyone looking for a new one.
By John
from Oakland
Very pleased with performance and appearance so far.
Need to re-learn how to cook with gas
By jlhh
from KY
This gas stove is extremely hot. My pans, Cuisinart Stainless Steel, are great pans and I had no problems with them until the purchase of this stove. The handles get too hot to use without hot pads. The oven is also hotter than my electric range was, and it heats up the kitchen. I'm not sure if this is just because it's a gas range, or because something is not calibrated properly. I also have a problem with the layout of the burners. Both very high-powered, large burners are at the front of the stove, and the medium and small sizes are at the back. I would prefer to have the medium burner at the front because I am fairly short (not quite 5-ft) and it would be easier to cook at my preferred temperature (not so high) if the burner were closer. In talking with others who have gas ranges, this is a common issue for many of us. I've had the stove 3 months and the oven light has already been replaced twice, which seems odd to me. We bought the range to match the refrigerator, purchased 6 months earlier, not realizing that the model would be discontinued. This was the only stove I could find to match when we updated the kitchen in our newly purchased home. Learning to cook with gas is different, but I like many things about it. However, I was spoiled with a ceramic top range with respect to clean up. The gas range is much more difficult to keep clean.
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Pushing Boundaries: In each of these visionary compositions, a great composer sought to explore new territory, both emotionally and compositionally.
Focus on Bartók's Contrasts for Violin, Clarinet, and Piano, Sz. 111, BB 116.
Photo Credit: Tristan Cook
This event will take place at Rose Studio. Please click here for more information on the venue.
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Internet Explorer
by Ciji Ware
|April 1, 2011
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"Blindly, she inched along a floor pitching as violently as the deck of a boat in a midwinter storm. Her hands touched the threshold opening onto the ninth floor foyer at the instant the glass transom over her head exploded into a thousand pieces. Reflexively,…
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Re-issued in its original full length, this acclaimed and bestselling romantic historical novel by award-winning author Ciji Ware tells the true story of passionate and flamboyant Jane Maxwell, the 4th Duchess of Gordon (1749-1812). In love since childhood with…
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FINALIST: NATIONAL INDIE EXCELLENCE AWARDS (Anthology Category) When your heart speaks, will you listen? Once upon a time, three beloved storytellers— New York Times and USA Today bestselling author Ciji Ware along with Diana Dempsey and Kate…
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New York Times and USA Today Bestseller! Scandal transcends time in the Big Easy Feisty reporter Corlis McCullough isn't afraid to push boundaries in the name of journalistic integrity. When passion for the truth lands her in New Orleans in need of a job, an…
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The Ring of Kerry Hannigan - a Novella by New York Times & USA Today bestselling author Ciji Ware (The First Edition was published in July, 2014, as part of an anthology of three short novels titled Ring of Truth. This Second Edition of "The Ring of Kerry…
|September 19, 2015
A tale of two cities at risk of disappearing forever…and two globetrotting strangers seeking a port in a storm. New Orleans natives Serena Antonelli, an Italian-American costume designer, and Jack Durand, a Pulitzer Prize-winning environmental reporter, meet on a…
|September 6, 2013
That Summer in Cornwall is a contemporary, stand-alone sequel to Ciji Ware's bestselling "time-slip" novel A Cottage by the Sea. A different latitude…a different world… Meredith Champlin unexpectedly finds herself the legal guardian of a child…
|October 1, 2010
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All of life's a wicked stage and love a dangerous drama... "A fascinating portrayal of London's theatrical milieu...Ware again proves she can intertwine fact and fiction to create an entertaining and harmonious whole." -Publishers Weekly If Shakespeare had a…
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All Jackets - MensSave on Men's All Jackets at Proboardshop.com! Great selection of street gear at unbelievably low prices. Proboardshop has been selling All Jackets and outdoor gear for over 30 years and we're proud of it.
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RAVE Blindside 2-Person Towable
by Rave Sports | Item #: 439903 | Model #: 02409 |
- $ 203 38 203.38
Non-members pay 10% surchargeJoin now!
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^Free shipping (if noted above) is available within the continental U.S. only. Offer excludes Alaska and Hawaii. Shipping to AK or HI adds a location surcharge to the regular rate. Delivery estimates, taxes, and fees are based on ZIP Code. Club Pickup orders are based on your club's current price and item availability on the day of payment.
About this item
The Blindside is a unique 2 person sit on top style towable that creates the thrill of riding backwards in whips!
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- 6 foam-filled handles with EVA knuckle guards
- Quick connect tow point
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(15019 quotes found)
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"Without major change in our financial systems our country is headed towards being a lower middle class wasteland with pockets of great wealth secured by metal gates, fences and armed guards."


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According to the Albany Police Department, a shooting occurred in the Family Dollar parking lot near Wal-Mart in east Albany.
Albany police say that 26-year-old Aretavis Washington walked into the Hot Dog King and saw the suspect. The two exchanged words and at some point, the suspect walked out of the business. He went to his vehicle and retrieved a small caliber handgun. That's when Washington ran out the business and jumped into his Dodge Ram. At that point, the suspect fired several shots at the victim as he drove off. There have been no reported injuries from this incident.
The suspect's vehicle is described as a mid-2000 model white or pearl colored Mercedes with tinted windows. The occupants were described as a black male and female.
No arrests have been made at this time. Police are still searching for the vehicle and the suspects.
Stay connected to Mysouthwestga.com as the story develops and the FOX 31 Newscast at 10PM.


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AN ATTORNEY has sued "Red Tails" and "Hustle & Flow" star Terrence Howard and his ex-girlfriend, claiming the pair settled a criminal case and potential civil suit behind his back, despite his agreement to represent the ex.
According to a Common Pleas Court complaint filed by attorney John J. McAuliffe Jr., Howard paid ex-girlfriend May Seng Yang $75,000 to sign a non-disclosure statement about a May 6, 2012, incident in which she was arrested in the driveway of his Lafayette Hill home after allegedly punching Howard.
McAuliffe represented Yang in the criminal case, which was dropped before trial after Howard and Yang's secret settlement.


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Gift Premium Subscription To Jaimez
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Posted in thread: Brett AFTER a kettle sour on 11-17-2015 at 11:17 PM
So my 2nd kettle sour i pitched Wyeast Lacto in a 6 gallon batch. Got the ph down to 3.7 before
brewing. I pitched Belle Saison Dry. The plan was to let it sit Tart Cherries in secondary. 14
days afte...
Posted in thread: Great Fermentations $100 Gift Certificate giveaway! on 12-05-2014 at 09:24 AM
In like Flinn!
Posted in thread: Must I Lager a Cream Ale? on 03-27-2014 at 06:44 AM
There are many ways to bring the Temp of the Fermenter down. Submerge it in an ice water bath,
Have a wet towel draped over the fermenter dipped in water(evaporation), have a fan blowing on
it.You can...
Posted in thread: 4000w enough for Keggle Brewing?? on 03-08-2014 at 07:29 AM
wrong thread... =(
Posted in thread: Where are you at INDIANA on 03-07-2014 at 10:43 AM
South Indy! ;)MONK are good people. cartel brewing LHBS good people too. (formally Tuxedo Park)
Posted in thread: Parti-Gyle volume question on 03-07-2014 at 10:35 AM
Iv'e done a few Parti Gyles. When i make a recipe with Beersmith i set the eff at 55% to guess
the first runnings. I dont Batch Sparge. i just do a Mash Out. I make sure to add enough Mash
Out to = my...
Posted in thread: batch spargers - how long do you wait? on 03-02-2014 at 08:16 PM
Jaimez: there is no risk of channeling when batch sparging, that's a fly sparge problem.I'm
sorry Jaimez, but I respectfully disagree. IMHO braid or manifold configuration should make
absolutely no di...
Posted in thread: batch spargers - how long do you wait? on 03-02-2014 at 03:49 PM
When i first built my mash tun was getting 60% eff doing a single batch sparge. I ended up
changing to a double sparge and increased my eff to 68-70%. I dont wait at all. I just add 170F
water, stir, ...
Posted in thread: New Weld Free 10$ Copper Manifold on 02-22-2014 at 06:40 AM
You should have the slots/cuts facing down...Nice job. love the frugal builds.
Posted in thread: How to build a 5 gal, 110v eBIAB kettle on 02-19-2014 at 09:09 PM
You will most likely need the washer (shim) to prevent the element from crushing the o-ring too
much when you are tightening everything. I haven't tried it w/o the shim, but that would be my
guess. Ha...


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Idaho Food Bank Branch Manager, Cari Miller said they collected a whopping 2,000 pounds of food, and that's just half of the donations. The Asotin County Food Bank got a truck load of food as well.
"Whether it be the Asotin County Food Bank or the Idaho Food Bank, it all goes to the same cause," said ID. Food Bank Operation Support, Jim Durland. "We reach out to the same people in need."
19 L-C Valley churches came together to host the second annual event. The partnership is part of the Shalom Project which works to connect churches together.


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Bridgit Mendler
Actress + Singer
Born Dec 18, 1992
Bridgit Claire Mendler is an American actress, singer, musician and songwriter. She first rose to fame by appearing in various straight to DVD releases such as Alice Upside Down and The Clique, based on the novel series of the same name. She also appeared… Read More
View newly released photos of Bridgit Mendler.
News + Updates
Browse recent news and stories about Bridgit Mendler.
Justin Bieber Is Being Sued For Allegedly Spitting In His Former Neighbor's Face: Morning MixIdolator - Mar 20, 2015
Seventeen Magazine Reveals 'most Powerful Girls 21 & Under' In HollywoodHuffington Post - Jan 28, 2014
Exclusive: Disney Channel Schedules Good Luck Charlie FinaleSeattle Pi - Jan 21, 2014
Bridget Mendler And Zendaya Team Up To Help Mentor Special TeensMonsters and Critics - Jul 27, 2013
Learn about the memorable moments in the evolution of Bridgit Mendler.
2004 11 Years Old In 2004, Mendler got her first acting role in the animated Indian film The Legend of Buddha, in which she portrayed Lucy. … Read More
2007 14 Years Old 1 More Event
In 2007, Mendler made her film debut in the film adaption of the Alice series, titled Alice Upside Down. … Read More
2008 15 Years Old In 2008, it was announced that Mendler would play the role of Kristen Gregory in the film adaption of the popular teen novel series The Clique by Lisi Harrison. … Read More
2009 16 Years Old 1 More Event
In 2009, Mendler became a recurring character in the Disney Channel series Wizards of Waverly Place. … Read More
2010 17 Years Old In 2010, Mendler became the star of the Disney Channel Original Series Good Luck Charlie, centering around a teenage girl who makes videos for her baby sister to watch as she gets older. … Read More
2011 18 Years Old 7 More Events
In 2011, Mendler had the supporting role of Appoline in the straight to DVD film Beverly Hills Chihuahua 2.
2012 19 Years Old 3 More Events
… In 2012, Mendler released her debut album Hello My Name Is, which featured a pop sound. … Read More
2013 20 Years Old 10 More Events
… She also attended the annual UNICEF acoustic concert in New York to raise donations for charity in January 2013. … Read More
2014 21 Years Old 3 More Events
In March 2014, Mendler traveled to El Quiché, Guatemala to participate in the other project of Save the Children that helps underprivileged children in developing countries. … Read More
2015 22 Years Old On May 8, 2015, NBC renewed with Mendler for the third season that will consist entirely of live episodes. … Read More
Original Authors of this text are noted on http://en.wikipedia.org/wiki/Bridgit_Mendler.
Text is made available under the Creative Commons Attribution-ShareAlike License.
Text is made available under the Creative Commons Attribution-ShareAlike License.


text: Wonder Woman 1 2/18/2009 4:10 PM PST BY TMZ STAFF The 58-year-old resurfaced at some Beverly Hills event last week, looking deliberate.Alley's husband, Orson Bean, is 23 years older than she is. He's 81.Mills makes somewhat regular appearances on "The Bold and the Beautiful." See Also Chunk from "The Goonies": 'Memba Him?!


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Science and Technology
How does a refrigerator work?
Date: 05 Jan 2012 Posted By:
Science and Technology
I want to know about the working of a refrigerator(fridge).
I want to know how it cools things.What's the principle behind its cooling ability and what are the materials used in the construction of refrigerators? Does it require any specific materials for cooling?
06 Jan 2012 Member Level:
Points : 6 (
Voting Score:
You guessed right, the working of a refrigerator needs some material. In most of the conventional refrigerators, any volatile liquid is used for cooling. I will explain the process.
A refrigerator (fridge) will comprise of a circular path through which the volatile liquid can move cyclically. A volatile liquid means a liquid that vaporises fastly. The fluid starts its journey from a chamber and it reached near the space where food is kept. It vaporises by absorbing latent heat from the food chamber. Thus the food chamber gets cooled. The vaporised fluid moves in a circular way and reaches a compressor. The compresson converts the vapour back into liquid. The fluid then again circulates. Since all of this takes place fastly, the food chamber will remain cool anytime. The conventional fluid used in refrigerator is freon (I think so, doesn't remember accurately). Some use liquified oxygen as well, I think.
We need electricity in refrigerator because electricity is needed for the functioning of compressor and for circulation of the fluid.
Marut Tiwari
07 Jan 2012 Member Level:
Points : 6 (
Voting Score:
Refrigerator is a general term and it stands for any type of cooling device. Domestic refrigerator (fridge) is one of these types.
A refrigerator consists of a fluid material which vaporizes at relatively low temperature. This fluid is called refrigerant and flows in a cycle during the working of refrigerator. Common refrigerants used in domestic refrigerators are freon, neon and nitrogen. It flows through four components of refrigerator again and again. These four components are cooling chamber, compressor, heat exchanger and expander.
Fluid (in liquid form)goes through the cooling chamber and vaporizes. While it vaporizes, it takes the required latent heat of vaporization from surroundings i.e. cooling chamber. Thus the chamber rejects heat and maintains its temperature lower than ambiance. Further, compressor raises the pressure of refrigerant vapor so that it can flow back through heat exchanger and expander. Electricity is needed to run the compressor. Refrigerant vapor rejects its heat to the ambiance while it flows through heat exchanger and expander. It changes its phase back to liquid in heat exchanger and lowers its pressure in expander. One can see the expander in the form of capillary tube at the rear side of refrigerator.
After it regains its initial properties, it enters the cooling chamber again and the similar processes are followed.
07 Jan 2012 Member Level:
Points : 5 (
Voting Score:
A refrigerator works on the principles of thermodynamics in physics. One of the Laws states that the amount of Heat absorbed from a body is equal to the amount of heat evolved by the body in a different form or the same form. The refrigerator works on this principle converting heat and mechanical energy to heat energy. You must have found the sides of the refrigerator to be hot where as the contents inside it are very cool. The process here is that the refrigerator has a substance called refrigerant which absorbs heat off these contents placed inside it and shifts that heat to the outside without exposing the contents to heat again. Thus it reduces the temperature of these contents and cools them and temperature is maintained at a lower number in it. But at the same time, this absorbed heat has to be given out to satisfy the Law of conservation of energy. Thus the sides of the refrigerator become hot evolving this hear using a pump/heat pump.
This is how a Refrigerator works.
For more information, Please refer to the link below.
Reference: http://home.howstuffworks.com/refrigerator2.htm
rakesh yadav
29 Jan 2012 Member Level:
Points : 6 (
Voting Score:
Refrigerator is a device a body can be maintained at a temperature less than outside temperature. It uses a special fluid generally referred as a 'refigerant' . There are wide varities of refrigerants an the market such as R-12,R-22(Freon-22).
R-12(chlorofluorocarbon) is the one which is used in our home fridges. Where as R-22 is used in Air Conditioners used in offices,malls and institutes. where as domestic refrigerators R-12 is used. Butdue to ozone layer depletion problems it has being replaced by R-290, R-134a, R-600.
The working principle of refrigerator is same as that of an air conditioners.These employ a closed cyclic process in which refrigerant is used. The refrigerant has a crucial property of being in vapour state at atmospheric temperature and pressure. Where as it turns into liquid state after compressing in
a compressor. Domestic refrigerators consists of evaporator, compressor, condenser and a expansion device for
refrigerant. Evaporater is the located in freezer, where refrigerant absorbs heat from items kept in refrigerator and
gets evaporated. Then, after turning into vapour it is compressed by compressor where it turns into liquid form.
While the liquid refrigerant is passed through condenser(the coils which are at the back side of the refrigerator) it gets cooled. After that it is sent to expansion device(capillary tube) where its pressure is decreased.In general freezer is the coldest portion of the cabinet. Then followed by chiller tray. While coming down, there are compartments with progressive higher temperatures. The bottom most portion compartment in the least cold one made for vegetables.
Applications:- They are widely used for
1). Domestic purpose
2). Fish storage
3). Cold storage
4). Diary industries
5). Medicines
6). A/C busses, trains, cars, and airoplanes.
7). Telecom industry
8). Mostly in offices for better functioning of the computers
Ashadul Halder
26 Jul 2012 Member Level:
Points : 2 (
Voting Score:
Refrigerator works in Joule-Tharmal process. At first gas is compressed with very high pressure. Then that gas is allowed to pass through a low pressure or normal Pressure zone, Which surrounded by Water which has very high sp. heat. Now according to theory of thermo-dynamical theory, the heat energy converted to kinetic energy at the releases of gas in that low pressure zone. And Freon and other gasses are used to keep up the coolness.
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The ship was dirty, service was extremely poor. This is not a family friendly ship. All shows were either PG or R rated. I encountered 3 passengers on different occasions who were falling down drunk and passing out.
If you are looking to get drunk and gamble this is the ship for you. My encounters with carnival are consistent. It is worth the money to go on another cruise line.


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Female Prey by S J Lewis
More "Prey" books and other novels from S. J. Lewis
Ready for a wild adventure, the blonde-haired, blue-eyed beauty, Kimberley, hikes into the forest alone, knowing that somewhere nearby are anonymous men who will hunt her down like an animal, take her captive, and keep her as their sex toy for days on end. She is eager for the experience - in fact, she set up the game with a clandestine company that specializes in unique wilderness adventures like this one. But, just to make the experience more fun, she decides to make the hunters work before she lets them have her. Her scheme takes the men by surprise, and the days that follow are grueling for Kimberley and the posse that tails her. Maybe it's not so much fun after all, she begins to think... maybe she should call off the hunt, and go back to the resort hotel where she started - spend her week enjoying the luxury of room service…hot baths and sensuous pampering...
Unfortunately, it's too late to change her plans and she's on the run…in the thick of a game of escape and evade. While Kimberley knows the outdoors and can survive on her own, her pursuers know it better. Tired and hungry, she is finally captured, and her days of naked excitement begin. She's kept in a cell below ground...unable to tell when one day ends and another begins. She knows there is a limit to her captivity, but she has no idea when it will end. As the days go by, Kimberley learns about her captors, especially the big, strong leader of the gang she calls 'Alpha'. He's rough with his newly captured prize, and as the days goes by, Alpha's power over her increases...the things they make her do alarm her. But soon she's doing more than enduring the nudity, bondage and torrid sexual gangbangs. Perhaps, she doesn't want her adventure in the wilds to end?
The Elusive Prey by S J Lewis
Kim and her friend Barbara voluntarily sign on for an unusual wilderness adventure where they'll be trained and used as sex toys by the Dominant men who claim them—a real life fantasy fit for only the most daring. Arriving at the hamlet of Gordburg, they discover a resort town where women are caged, being readied for the market where they'll be sold at auction. Some women are sent to Gordburg by their dominnant masters for intense training, others choose to go for the titilating adventure. The two curious women discover that many of these caged women relish their predicament. For others it's a rough challenge. For those who run this unique resort, the fantasy is not a fantasy at all, but very real!
Undeterred by what she's seen, Barbara decides to go straight to the market for purchase—and the hard sex she expects to enjoy. Meanwhile, Kimberley decides on a game of hide and seek where she'll be pursued by both men and women intent on making her their slave toy. She wants to the feel the thrill of being captured, forcefully subdued and compelled to submit to their sexual demands. Kimberley sets out on a game of escape and evade where she becomes Elf-girl, a cunning and elusive player. While there's no one better at dodging the hunters, Kimberly really wants to be caught, tamed and put in her place by a man powerful enough to give her the satisfaction that comes from total surrender. Can the adventurous Elf-Girl succeed in living out her dreams? Or will time run out, leaving her desperately longing for more?
A story with lots of twists, turns, hot scenes and exciting action to keep the reader turning pages.
Consensual bdsm.


text: 000 FXUS62 KGSP 261138 AFDGSP Area Forecast Discussion National Weather Service Greenville-Spartanburg SC 738 AM EDT Mon Sep 26 2016 .SYNOPSIS... A cold front will approach the area from the west today, and slowly cross the region tonight through Tuesday. An upper level low will drop south into the Ohio Valley by Wednesday and linger over the Central Appalachians through the end of the week. && .NEAR TERM /THROUGH TONIGHT/... As of 600 AM: Area of moisture convergence has set up right over the Charlotte area where heavy rain has trained since about 330am this morning. 2-4" of rain have fallen with Flash Flood Warning remaining in place. Have made several updates to pops through the morning but no other significant changes. Otherwise, as for the rest of the near term, surface high pressure ridging down the Eastern Seaboard has allowed this back door cold front to move into the region. In the meantime a strong upper low is diving out of Canada and over the Great Lakes this morning, and will sweep an occluded cold front into the Ohio Valley and Appalachians today. Downstream ridging aloft ahead of this upper low will briefly increase today, and with low-level WAA picking up as flow shifts around to southerly, the back door front should retreat to the northeast (does that make it a front door front?) as the Great Lakes system approaches. With this comes a surge in instability across the area today with near-term guidance generally agreeing on a max of about 1500 J/kg, though the NAM as usual is more aggressive. Expect an increase in convection across the mountains late morning into early afternoon, spreading east across the area this evening. CAMs disagree on exact timing but the general look is the same. Lack of deep-layer shear and poor mid-level lapse rates will limit severe potential, but with strong mechanical lift plus increasing surface buoyancy, an isolated strong or low-end severe storm cannot be ruled out. Other concern is for isolated heavy rainfall, with PW values increasing to 1.6-1.7" - well above the 90% threshold and pretty close to the daily max. The limiting factor here will be increasing winds aloft which will allow storms to actually start moving. Nonetheless, locally heavy rainfall will be possible with storm total basin-average QPF approaching 1.5" for the Day1 period. Back to the increasing WAA today and the retreating back door cold front...as this lifts northeast, despite the increasing moisture and cloud cover, expect temperatures to rise again today especially with the increasing amplitude of the downstream ridging aloft over us and corresponding increase in thicknesses. MET guidance was warmest of the pack yesterday and still too cool. It is again on the warmer side today so leaned that direction and brought in a little bias- correction. Might see a little cooling of overnight lows tonight in the northern mountains as the front starts to push through, but the main pattern change will start in the short term. && .SHORT TERM /TUESDAY THROUGH WEDNESDAY NIGHT/... As of 300 AM EDT Monday...There is still a lot of uncertainty on the short term forecast, as a large upper low will drop south across the Great Lakes to the Ohio Valley. From there, models disagree on how far south the low will get, and how quickly it will lift back north. Even a slightly more westward position of the low could result in lingering moisture and precip chances thru Wednesday. The 00Z ECMWF continues to show this type of solution. Meanwhile, the GFS has the low slightly east and also keeps it drifting east across the central Appalachians into the medium range, while the ECMWF stalls it out around Louisville, KY. So with all that said...it looks like the front will be slower to push through on Tuesday into Tuesday night, resulting in solid chance PoPs across most of the area. There will be some instability for TSTMS, but shear looks weak, so severe threat should be low. While an isolated excessive rain threat may exist with the slow-moving front, generally most areas will recent much needed rainfall. For Wednesday into Wednesday night, I kept relatively low PoPs that are more in line with the GFS, as the EC still more of an outlier. Max temps will continue to be above normal Tuesday and Wednesday, with lows near normal in the Piedmont and slightly below normal in the mountains. && .LONG TERM /THURSDAY THROUGH SUNDAY/... As of 315 AM EDT Monday...An upper low is expected to be near the area Thursday, then wobble toward the north or northeast Friday thru the weekend. A weak surface low under the mid and upper low will spin north of the area, either in the Upper Ohio Valley or the Central Appalachians. So much lower thicknesses and generally dry air will work into the area from the west. For Thursday and Friday...other than some westerly to northwesterly upslope showers possible along the TN/NC border, the forecast looks dry. Temps will be below normal for the first time in a while, with highs in the 50s and 60s in the mountains and lower to mid 70s across the piedmont. Lows in the 40s in the mountains and 50s piedmont. The weekend looks nice with mostly clear skies and a slight rebound in temps to around normal. && .AVIATION /12Z MONDAY THROUGH FRIDAY/... At KCLT: TSRA in progress at issuance time should move off by 12Z, although additional convection developing overhead cannot be entirely ruled out. Expect mainly MVFR ceiling with some IFR conditions in and around thunderstorms. Should see slow lifting trend later this morning as the back door front begins to wash out, but stronger cold front approaching from the west will approach later today. Transitioned former PROB30 to a TEMPO TSRA, with predominant -SHRA after about 00z. Cannot rule out brief MVFR fog Tuesday morning with low-level moisture remaining in place before the front scours it out. Winds should remain mainly S/SE transitioning to S through the period, though early overnight could see some brief oscillation to ENE. Elsewhere: Trends similar to that of KCLT, but with cigs not as low and lifting earlier. With the approach of the cold front this afternoon, included VCTS for this afternoon for KAVL/KHKY, transitioning to -SHRA, but with VCSH for the upstate TAFs. As with KCLT, some fog/low stratus possible Tuesday morning and introduced this at KHKY/KAVL. Outlook: Cold front will slowly cross the region tonight through Tuesday. This should result in better chances for convection. Then dry high pressure builds in behind the front on Wednesday. Confidence Table... 11-17Z 17-23Z 23-05Z 05-06Z KCLT Med 72% High 90% High 100% High 100% KGSP Med 72% High 100% High 100% High 100% KAVL Med 78% High 100% High 100% High 100% KHKY High 83% High 85% High 100% High 81% KGMU Med 72% High 100% High 100% High 100% KAND Med 75% High 100% High 100% High 100% The percentage reflects the number of guidance members agreeing with the scheduled TAF issuance flight rule category. Complete hourly experimental aviation forecast consistency tables and ensemble forecasts are available at the following link: www.weather.gov/gsp/aviation && .GSP WATCHES/WARNINGS/ADVISORIES... GA...None. NC...None. SC...None. && $$ SYNOPSIS...ARK NEAR TERM...TDP SHORT TERM...ARK LONG TERM...ARK AVIATION...TDP


text:
A friend wants me to ake her daughter a dress for her husband's retirement ceremony. She brought me a military abu set top and pants and now I cant think for the life of me how to make this work. Any suggestions/tuts on how to turn an military uniorm into a girls (18mos) dress?!!??
Repurpose ABU top into dress
Jackie-Mommy toMonkey:10/2/08. ProudAirForceWife
Comments (8)
I want to make one of these. However I think hooah is an army term and not air force.
Custom made Kitchen Aid Stand Mixer Covers. Message me for details and fabric choices! .Check out my sewing blog, Ladybug Lane and Etsy Shop.
do you have a tut or pattern? I just cant picture in my mind where to cut with all the buttons and pockets and patches.
Jackie-Mommy toMonkey:10/2/08. ProudAirForceWife
I love the symbolism with the yellow ribbon from pp's link. I'm sorry, I have no other help or ideas, but I do like that idea.
Steven 6-6-06
Natalie 4-24-08
I have seen ACU pillow case dresses. That would be easy enough to piece together the fabric, using pockets even. Then she could wear long sleeves & tights underneath.
"Let's eat grandma" or "Let's eat, grandma" Punctuation saves lives.
Hooah is an army term. I think the air force may have their own phrase though. I know the marine's is oorah. Haha. Cute ideas though! I'm always itching to cut up DH's ACUs and turn them into something cute.
Lovin' mama to my little man 11/09
*the only man I need in my life wears footie pajamas to bed*
Hooah is definitely Army.
What about this symbol:
I like the yellow.....but wouldn't pink be fun!!!!
Prenatal Fatal Diagnosis? CTT Despite Fatal Diagnosis Craft/Quilt blog Buttons and Butterflies Charity/Loss blog Butterly Kisses
They had one in pink posted and one with red,white and blue ribbons.
I think something with ruffles is your best bet. You could get some decent lengths from the pants.
I really want to cut up DH's but he said no.
Custom made Kitchen Aid Stand Mixer Covers. Message me for details and fabric choices! .Check out my sewing blog, Ladybug Lane and Etsy Shop.


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I recently read a post by one of my favorite marketers, Naomi Dunford of Ittybiz, called "What If You Tried Really Hard?"
This concept of trying hard immediately resonated with me as the owner of a business that helps writers. I'm always getting emails from writers who tell me they're having trouble making it work even though they're trying really hard, really-really. But when I ask them what they actually did this week towards building their writing business, they draw a blank.
Naomi pointed out that you're only trying hard in the moment, well, when you are physically trying. You're not trying hard when you think about doing something, or worry about it, or plan it, or contemplate it. If you were to watch someone on a screen when they're trying hard, you would know that's what they're doing. There would be visual clues that would make you say, "Wow, they're really working hard."
For example, if you want to get articles published in magazines or on blogs, "trying hard" means actively, physically being in the act of generating ideas, writing pitches, editing pitches, and sending pitches. It doesn't mean reading books about writing, or taking courses on writing, or planning your writing schedule for next week, or going to therapy to rid you of your deep-seated fear of rejection. It means doing those activities that will get you published in magazines (or wherever you want to be published), and trying your very best at them.
How many of us really try our very best…at anything? How many of us truly work hard?
Sure, we SAY we're trying hard, but that's because we're expending so much mental effort in doing everything BUT the thing that will get results, that it feels like hard work. It exhausts our brains!
But the only way to get actual results — money, assignments, clips, bylines, fans — is to do actual work.
What Does Working Hard Look Like?
It may be difficult to recognize what trying hard looks like, since we're so used to creating mental smoke and calling it "work." So let's do a thought experiment and imagine what working hard as a writer would look like in each of these areas:
- If you're trying to come up with an idea for an article or blog post, what would it look like if you were working super hard? What would you PHYSICALLY be doing? If someone were watching you on a screen, what would they see that proves to them that you're really trying? Would you have a stack of magazines nearby, and be scribbling furiously into a notebook? How is this different from the way you usually look when you need to come up with an idea?
- If you want to break into your dream publication, how would it look if you worked really hard at it? Where would you be, and what would you PHYSICALLY be doing? (And no, thinking doesn't count.) Maybe you'd be pre-interviewing sources for a query, or calling editorial offices to get an editor's contact info, or actually stringing words together to complete a query or letter of introduction. How is this different from the way things usually look when you're trying to crack a juicy market?
- When you have an assignment to write an article or blog post (yay!), what would trying hard look like? Would you be spending more time tweaking your word choices to make sure the cadence of your writing is just right? Would you be on the phone calling source after source until you get the interviews you need? Would you be transcribing interviews? How is this different from the way you usually look when you're working on an assignment?
- If you're building your writing business, what would THAT look like if you were trying really hard? Not staring off into space planning what you'll do with your future riches, or telling yourself you really, really need to write a business plan, or beating yourself up because once again didn't get around to writing — but actively trying hard to build your business. How is this different from the way it usually looks when you're building your business?
A Mantra and the Screen of Reality
For the last several days, I've adopted the mantra "Work hard." Not just for my business, but in every aspect of my life. When I'm working out I tell myself, "Work hard." When I pass a kitchen counter that's piled with dishes destined for the dishwasher, and I'm tempted to just keep walking, I think, "Work hard." As I'm critiquing ideas and queries in the forums of Pitch Clinic class, and am ready to throw in the towel for the day, I remind myself, "Work hard."
I find that with this mantra, I can eke out a few more reps, I can keep my house and life in order, I can get a lot of work done.
What if you adopted this mantra for yourself, or one like:
"Always do your best."
"Could I be doing something better right now?"
"What would it look like if I were trying really hard right now?"
"Am I trying my hardest…really?"
Or: Tweet: What if you figured out what trying hard really looks like, & made sure you always look that way when working on your writing business? Or if you imagined someone is always watching you on a screen (creeper!) and you wanted them to KNOW without a doubt that you're trying your best?


text:
Product Details
Style: 1110
The Marker Storm Fleece Jacket with leather trim combines a unique sweater-like woven texture with the high-performance of fleece. The plush fleece lining makes this midlayer so comfortable that you won't want to change out of it once you're off the hill. Layer the Storm fleece under a shell for added insulation while skiing, or wear this quick-drying versatile jacket on its own in the fall.
- Nylon, wool, and polyester fleece
- Sweater-like heather fleece has a plush fleece lining
- Contrasting side-panel design
- Leather trim detailing
- Chest pocket for extra storage
- Full-length zipper has zipper garage
- YKK zippers
- Center back length: 28 in
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