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Nautilus Shell Citronella Scented Candle Pot
- Overview
Bring the sea's striking forms indoors with this hand-sculpted seashell filled with hand-poured soy paraffin that's infused with an uplifting bamboo-citronella fragrance.
- 11" wide x 5" deep x 8" high
- Pot is made of ceramic with a hand-distressed painted finish.
- Filled with unscented paraffin wax.
- Dimensions & Care
- 11" wide x 5" deep x 8" high; 32-hour burn time
- Candle self consumes.
- Trim wick to 1/4" each time before lighting.
- Always place candle on a fireproof surface or in a holder.
- Avoid drafty areas.
- Never burn a candle completely; dispose of it when it burns to within 1/2" of its base or the holder.
- Never leave a burning candle unattended.
- Keep out of reach of children.
- Shipping & Return Info
This is a general shipping item.
Shipping Information
Hassle Free Returns
We take great pride in the quality and craftsmanship of each and every Pottery Barn product and we hope you love your purchase. If for any reason you do not, you have 30 days – or 7 days for all Quick Ship upholstery items – to return your purchase for a full refund or exchange. You can return most non-furniture items to your local Pottery Barn store, free of charge.
Delivery fees are non-refundable and prior purchases are not eligible for a price adjustment. The following items are non-eligible for returns or exchanges:
- Monogrammed items
- Mattresses
- Gift cards
- Special-order items (including made-to-order upholstery and custom order rugs)
- Final Sale items (identified by a price ending in $.X7 or $.X9)
- Items damaged through normal wear and tear.
Questions? See our full Return Policy.

subset: commoncrawl


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Reviewed By Charles P (Seaford, DE) Reviewed for a 2002 Ford F-350 —7/20/2013 5:18 AM
Very easy to install and they look great. I have a white Ford F350, my friends say the Putco mirror covers and door handle covers really make my truck stand out.
Reviewed By Cris M (Pinetop, AZ) Reviewed for a 1991 Ford F-350 —4/14/2016 10:40 PM
Your site was the only place I could find this style of larger truck mirrors after looking at 4 or 5 other sites. They are very good quality and the price was excellent especially since the sales person on the phone told me about your special deal at the time of my order that saved me about $24.


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The Hottest WAGs Of Super Bowl 50
15 photos Launch gallery
Posted 10 months ago.
Bruce is a sneaker-obsessed pop culture junkie from Queens. He is a proud alumnus of St. John's University. Bruce hails from Complex as a social media guru. He is also a Drake and Dipset apologist. He divides his time between watching 'The Office' reruns and trying to become the next Hank Moody...or Don Draper. @brucegood_
Camps a grind.. Missing my family..can't wait to see them. pic.twitter.com/IknZJ06xHR— Derek Anderson (@DAnderson314) August 8, 2013
Happy Birthday to the future Mrs. @nuccnuccnadds pic.twitter.com/zy5dlKf8mU— Brandon McManus (@thekidmcmanus) December 18, 2015
Angela Daniels @meccapatches talks life as a #DenverBroncos wife & Super Bowl 50! https://t.co/yJcIx6Rfnb #SuperBowl pic.twitter.com/Bd45paEq4P— Tirralan Watkins (@TinseltownMom) February 1, 2016
Meet Erin Osweiler: Brock Oswiler's Hot Wife #WAGs #BrockOswiler #NFL #Broncos https://t.co/qhvfHJseiA pic.twitter.com/2dD1jY6HO2— SportSmasher (@SportSmasher) January 5, 2016


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Comfortable 2 bedroom apartment with panoramic Views Across The Beach (100m)
Balmoral luxury holiday apartment is a 130 year old recently renovated spacious (100sq.m) two bedroom apartment which was formally part of a Victorian Seaside Hotel. It looks across the Lavan Sands towards Puffin Island and Anglesey. We are less than 100 yards from the beach. We had a sighting of a pod of porpoise from the lounge window. The apartment has 2 bedrooms. Visit Wales had graded Balmoral as a 4 star accommodation. A fully fitted kitchen with a washer, fridge, cooker, microwave, Wi-Fi enabled etc. Llanfairfechan is situated between Llandudno and Bangor it is a quiet coastal village and is ideally placed for touring Snowdonia. 2 hours gets you to Manchester, Liverpool, or Dublin on the fast ferry from Holyhead. We are 200yds from Llanfairfechan Railway Station. Snowdonia offers something for everyone with a wealth of history and 5 world heritage sites close by. Spectacular mountains, a walkers paradise. Many great golf courses. Fishing. Oldest language in Europe. Lots to do. The apartment sleeps 4 however there is a sofa bed and a cot available if required.
Top Traveller Review
About the Owner
My wife and I have just retired from Mental Health Nursing after 39 years. We are adjusting to retirement and enjoy travel. We have been to Australia, Bali, India, Singapore, Hong Kong, Spain, France, Portugal and Ireland in recent years.
We hope to go to New Zealand in the future.
Our apartment which was purchased and renovated before we retired will prop up our pension and enable us to continue our travels. We have enjoyed meeting our visitors many of whom have returned year after year. Our visitors seem to enjoy the quiet village life and the many things to see and do in North Wales. We have had visitors from all parts of the world which has added to the pleasure of our new business. New customers becoming new found friends.
Guestbook comments from the owner
Superb, I cant take my eyes of the spectacular views across the ever changing sea from the armchair. We were so surprised at the size of the accommodation the last place we stayed in was a quarter the size! The beds are so comfortable, unable to get the lads up in the morning. We were very impressed with the standards throughout Balmoral, Sony TV, M&S furniture, you have not cut corners. What a find, we did not know Balmoral existed we have been coming to Llanfairfechan for many years. Highly recommend.
You have made us feel very welcome, Thank you. Of course we will be back again. Our fifth visit. We have had a fantastic week, walked up Snowdon, used the mountain bikes, The apartment is a real treasure we will book again.
Went to Puffin Island and saw the seals, would strongly recommend the trip.
Llanfairfechan has got a blue flag beach, But we liked the kids paddling pool and the park areas. Mecca for watching birds and seeing the wildlife.
We return each year, we love Balmoral.
10 Reviews
5 based on 10 holidaymaker reviews
A lovely quiet place to stay with all that you need provided. Perfect location to explore a beautiful area ......
Lovely, relaxing apartment
Spent a relaxing break in this lovely apartment. Plenty of room, clean and tidy throughout. After a day sight seeing, great to relax in the lounge with a cuppa and take in the sea views. Plenty to do nearby, visited Aber falls, bodnant gardens as well as the sea-side towns. The owners helpful and friendly, would definitely book again, would recommend this apartment.
Lovely place, had everything, friendly & helpful owners!
Llanfairfechan was a pleasant surpise! Lovely walks & close to other destinations. The apartment had everything we needed & was large & comfortable. Owners were very helpful & a pleasure to meet!
Great property; great location
We chose this place for a two night weekend break.........the brief from my daughter to stay somewhere where we could see the sea..........less than 100 yards to the sea wall and a great view.
Accommodation is great, spacious, well equipped.
Owners were really helpful and very welcoming.
Location is great for Anglesey (20 minutes or so to Menai bridge), snowdonia (30 minutes to llanberis where you can get the train up snowdonia or visit the hydro electric power station- very impressive). Also 5 minute walk to the train station where you can get the train to Conwy or Llandudno.
Would definitely book there again if we decided to visit Wales
Lovely little part of Wales
Myself and my children had a lovely stay at this holiday apartment. We enjoyed being inside during wet weather days looking out at the view of the sea. We loved the local area with the great paddling pool and scrummy ice cream at the beachside cafe. We had a great warm welcome and really enjoyed seeing what North Wales has to offer from a clean and well presented holiday apartment. It's definitely on the list for a return visit.
Holiday in NE wales
Lovely clean property with outstanding sea views from the lounge. Easy parking and easy access to the A55 both N & S. Plenty to see and do with Anglesey a few miles away, and plenty of local walks. Ged is a great host with a good knowledge of the area.
From the Owner
"We live above the apartment and have done so since 1987. When we got the chance to purchase it we did so hoping to renovate it and make it into a holiday apartment. It was part of a Victorian Seaside Hotel and has fantastic views across the sea. One of the charms of living here is that the sea changes from day to day and indeed from hour to hour. We have a mellow climate all year round and get more than our fair share of sunshine. We can have roses growing in December. The A55 expressway enables us to get to places quickly and the train service is a plus running behind our home. Lovely walks start from Llanfairfechan into Snowdonia. We are happy here and have never seen a place better to move too!"
Activity and Interests
We have a number of bicycles including a TANDAM, golf clubs, including children clubs, fishing rods and reels for our visitors to use.
Special interest holidays:
Our location enables visits to Manchester Liverpool and indeed day trips to Dublin offering a wide selection of choice to the visitor on wet days.
Visitors can literally throw a stone into the sea from our front garden. There are beautiful rugged secluded beaches which require years to find and explore. See Isle of Anglesey Coastal Path 125 mile walk. Much of this coastline is a designated as one of Wales five 'Areas of Outstanding Natural Beauty' (AONB).
We have seen dolphins & porpoise from the window of Balmoral. It has proven a haven for bird watchers who visit the area all the year round.
Manchester Airport 81 miles.
Liverpool Airport 72 miles.
Birmingham Airport 144 miles.
Holyhead Port 32 miles.
Train Station 300 yards from Balmoral.
Bus service from the village.
Ideally visitors would benefit from a car but there is public transport close by.
Penmaenmawr 3 miles. Llanberis 15 miles. Conwy 7 miles. Bangor 11 miles. Caernarfon 16 miles. Chester 53 miles.
Further Details:
Llanfairfechan has a cash machine ATM. Three public houses. Two small supermarkets. Various shops cafes and a restaurant. We have found a number of first class restaurants nearby and must mention them to you.
Places to eat
Within 200 meters of the apartment is the Beaches cafe which has been well rated by our visitors. Pizza & Tapas along with the Special Board will save you having to cook. The Black Boy in Caernarfon has a very large menu and worthy of the trip out.
The White Eagle in Rhoscolyn Anglsey a bit further away is another of our secret haunts. Great food real ale and a nice beach besides. Telephone 01407 860267. Pen y Bryn in Colwyn Bay is very popular. Wish we could have it moved a bit closer to us but a good tasty menu a choice of good wines and a regular choice of a number of great hoppy beers.
Sailing golf walking climbing bird watching cycling fishing are all popular activities along with surfing and mountain biking. Llanfairfechan is ideally placed for touring North Wales. We are at the gateway to the Snowdonia National Park. Our coastal location is 13 miles from Bangor and 13 miles to Llandudno.
Llanfairfechan has a number of shops for basic supplies a bank with an ATM five public houses a golf and sailing club. There are also a number of cafes in the village. We have recently purchased golf clubs and mountain bikes and fishing rods for our visitors to use. Please be aware these are used at your own risk. The apartment is available throughout the summer and offers a high 4 star accommodation. We have made a garage secure for visitors to safely store mountain bikes. Climbers will value the comfort of a warm homely place to rest after a day on the mountains.
Prices and Availability
Rental rates
|Rental Period
|Minimum Price
|Additional Nights
|Weekend Night
|Event Price
Spring 2017
10 Jun 2017 - 8 Jul 2017
Changeover Day: Saturday
7 night minimum stay
for 7 nights
Summer 2017
9 Jul 2017 - 17 Sep 2017
Changeover Day: Saturday
7 night minimum stay
for 7 nights
My Standard Rate
3 night minimum stay
for 3 nights
Additional pricing information
|No additional mandatory fees
|Refundable Damage Deposit
Booking Notes:
When you book your holiday you are entering into a contract with us. Upon receipt of your payment, we will issue a holiday confirmation by email. Please check your confirmation carefully. If anything is incorrect, let us know immediately.
Holiday Insurance, we strongly recommend you get holiday insurance. Last year two families had to cancel their holiday days before the holiday was to commence. Insurance is relatively inexpensive. Please do get cover!
Changeover Day:
We generally change over on Saturday.
We like visitors to leave by 11 am and arrive after 1 pm but again this can negotiated with us. We try to accommodate our visitors whenever possible.
Owner's Cancellation Policy
- 50% refund for cancellations more than 30 days before check-in date.
- 100% refund for cancellations more than 60 days before check-in date.
From the Owner
"We have purchased golf clubs, fishing tackle and bikes including a TANDEM for our visitors to use (at your own risk) Many of our visitors comment how restful and peaceful the area is. They enjoy sitting in the lounge looking out to sea. Active folk and young families plan busy agendas, climbing Snowdon, walking the coastal paths, visiting all the local sites and packing in so much into the holiday. Balmoral is enjoyed in different ways. Visitors from the city find the slow unhurried way of life a tonic and a chance to recharge the batteries. Others get the buzz from rock climbing surfing and various extreme sports. North Wales was recently described as the adrenaline coast in the local newspaper. We have not cut any corners when furnishing the property. We have wi-fi. A home from home."
Property Type
- apartment
- Family
- Historic
- Fireplace
- Hair Dryer
- Heating ...
- Internet ...
- Iron & Board
- Linens Provided
- Living Room ...
- Parking ...
- Towels Provided
- Washing Machine
- Dishes & Utensils
- Dishwasher
- Freezer
- Kitchen ...
- Microwave
- Oven
- Refrigerator ...
- Toaster
- Child's Highchair
- Dining ...
- Dining Area
- Books ...
- Stereo
- Television ...
- children welcome
- non smoking only
- pets not allowed
- wheelchair inaccessible
Location Type
- beach
- mountain
- near the sea
- village
- waterfront
- churches
- cinemas
- library
- marina
- playground
- pond
- restaurants
- waterfalls
Leisure Activities
- beachcombing
- bird watching
- horse riding
- paddle boating
- scenic drives
- sight seeing
- walking
Local Services & Businesses
- ATM/bank
- groceries
- hospital
- medical services
Sports & Adventure Activities
- cycling
- deepsea fishing
- fishing
- fly fishing
- freshwater fishing
- golf
- golf pass optional
- hiking
- mountain biking
- mountain climbing
- mountaineering
- paragliding
- pier fishing
- sailing
- ski
- snorkelling
- bay fishing
- surf fishing
- surfing
- swimming
- tennis
- wind-surfing
Floor Area
- 100 m²
- Bathroom 1 - Toilet, Bath (no shower), Shower Enclosure
- A bathroom with a new power shower. WC and sink. NO BATH.
- 2 Bedrooms, Sleeps 5
- Bedroom 1 - 1 Cot
- Bedroom 2
- Description of sleeping capacity: Sleeps 4 (2 Bedrooms) Notes on bedrooms: One double bed, room looking over the mountains on the second floor. One second twin bedroom on the ground floor. 2 single beds again overlooking the mountains at the rear of the property.
- Bicycles ...
- Golf ...
- Garden ...
- Ski & Snowboard ...
- Tennis ...
- 5 bicycles
- Self-catering
Learn more about this holiday rental at the owner's website
- Notes on accommodation: Since renovating Balmoral and starting our business we have built up customers who have returned year after year and find Balmoral a home from home. We believe in making every effort to ensure our visitors enjoy their visit to Balmoral. Llanfairfechan is a quiet and peaceful Welsh village "Like going back 40 years" Centrally positioned to travel around Snowdonia having the benefit of close proximity to the A55 and the North Wales Railway. No kiss me quick hats here just hides to watch birds and paths to walk or cycle along the shore. Parking is free in front of the house with no restrictions. Balmoral is a spacious and now colorful property overlooking the beach. Outside: We have gardens to the front and rear of the property. The front garden has a bench seat the rear has a table and chairs and is more secluded. The garage has several mountain bikes golf clubs and fishing tackle for the visitor to use at their own risk. We recently purchased a tandem for visitors to use but beware it takes some getting used to! Utility Room: We have a small office room for visitors to use. The property has wi-fi access throughout. Cleaning / Towels / Linen / Maid service: Bed linen and towels are included. Other: Our dining room looks over the garden which has a bed settee for guests extra visitors. The room has a quality hi-fi with radio CD tape players along with a selection of good CDs and talking books. The room contains local paintings and photographs.


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PHD STUDENT in microelectronics in France.
I run two services, Free CoT Data and Simple Stock Model. Free CoT Data reveals how different types of traders are positioned in the futures markets. Simple Stock Model aggregates financial and economic data so that investors can easily form a comprehensive data-based outlook on the S&P.
Andy Hecht is a sought-after commodity and futures trader, an options expert and analyst. He spent nearly 35 years on Wall Street, including two decades on the trading desk of Phillip Brothers, which became Salomon Brothers and ultimately part of Citigroup.
Over the past two decades, he has researched, structured and executed some of the largest trades ever made, involving massive quantities of precious metals and bulk commodities.
Andy understands the market in a way many traders can't imagine. He's booked vessels, armored cars, and trains to transport and store a broad range of commodities. And he's worked directly with The United Nations and the legendary trading group Phibro.
Today, Andy remains in close contact with sources around the world and his network of traders.
"I have a vast Rolodex of information in my head… so many bull and bear markets. When something happens, I don't have to think. I just react. History does tend to repeat itself over and over."
His friends and mentors include highly regarded energy and precious metals traders, supply line specialists and international shipping companies that give him vast insight into the market.
Andy's writing and analysis are on many market-based websites including CQG. Andy lectures at colleges and Universities. He also contributes to Traders Magazine. He consults for companies involved in producing and consuming commodities. Andy's biweekly radio show, The Commodities Hour with Andy Hecht, can be heard on Tuesdays and Thursdays from 5-6 PM EST on www.tfnn.com. Andy's first book How to Make Money with Commodities, published by McGraw-Hill was released in 2013 and has received excellent reviews. Andy held a Series 3 and Series 30 license from the National Futures Association and a collaborator and strategist with hedge funds. Andy is the commodity expert for the website about.com and blogs on his own site technomentals.com.
I'm a finance student with an passion for financial markets. I first learned about Seeking Alpha when they hosted a stock pick challenge on campus. After learning about the "wisdom of crowds" I decided to research what Seeking Alpha truly was to get a better picture. After lurking on Seeking Alpha for some time, I decided to write my own articles. Now I'm completely hooked to its culture.
Please note that I do not read comments posted here, nor respond to messages here. I don't have the time. If you want my attention, you must seek it directly at my blog.
David J. Merkel, CFA — From 2003-2007, I was a leading commentator at the excellent investment website RealMoney.com (http://www.RealMoney.com). Back in 2003, after several years of correspondence, James Cramer invited me to write for the site, and now I write for RealMoney on equity and bond portfolio management, macroeconomics, derivatives, quantitative strategies, insurance issues, corporate governance, etc. My specialty is looking at the interlinkages in the markets in order to understand individual markets better.
I no longer contribute to RealMoney because my work duties have gotten larger, and I began this blog to develop a distinct voice with a wider distribution.
In 2008, I became the Chief Economist and Director of Research of Finacorp Securities (http://www.prnewswire.com/cgi-bin/stories.pl?ACCT=109&STORY=/www/story/02-08-2008/0004752449&EDATE=). Finacorp went into liquidation in June 2010, after which I decided to open my own asset management shop, Aleph Investments, LLC. I manage stock and bond portfolios for clients.
Until 2007, I was a senior investment analyst at Hovde Capital, responsible for analysis and valuation of investment opportunities for the FIP funds, particularly of companies in the insurance industry. I also managed the internal profit sharing and charitable endowment monies of the firm.
Prior to joining Hovde in 2003, I managed corporate bonds for Dwight Asset Management. In 1998, I joined the Mount Washington Investment Group as the Mortgage Bond and Asset Liability manager after working with Provident Mutual, AIG and Pacific Standard Life.
My background as a life actuary has given me a different perspective on investing. How do you earn money without taking undue risk? How do you convey ideas about investing while showing a proper level of uncertainty on the likelihood of success? How do the various markets fit together, telling us us a broader story than any single piece? These are the themes that I will deal with in this blog. I hold bachelor's and master's degrees from Johns Hopkins University.
In my spare time, I take care of our eight children with my wonderful wife Ruth. Visit this site: The Aleph Blog (http://alephblog.com/)
I am the founder and editor of Investment Directions. My career has been managing and consulting to multi-billion dollar funds. Using the widely accepted "multi-manager" approach, I have worked with top investment managers throughout the country, gaining a high level of expertise.
My career has spanned many market environments, and I have hands-on experience searching out opportunities and avoiding risks in all of them. I now devote my time to Investment Directions, with the goal of helping investors further their understanding and improve their investing skills.
I am currently serving on: The AAUW Investment Advisers Committee and The City of Vista Investment Advisory Committee.
I started analyzing and investing in stocks in 2002 strictly for my own benefits. As time passed and I started generating wealth through successful trades I began to give friends and family advice regarding market trends, individual stock moves and overall general investment advice. After many years of successful investments where I continuously beat the S&P, I was told by a friend in 2013 about Seeking Alpha. I wrote my first article in Feb 2013 and will continue to provide followers with well thought out articles that contains business information as well as investment advice with supporting evidence.
Jim Van Meerten is an advisor to Marketocracy Capital Management and writes on financial subjects here and on Barchart Portfolio Blogs and Seeking Alpha. He earned a BS in Accounting and Business Administration from Berry College; a Juris Doctorate from the Woodrow Wilson School of Law; and attended post-baccalaureate and graduate courses in Business Administration, Quantitative Math, and Education at Florida Atlantic University, Georgia State University and University of North Carolina at Charlotte. In the past he has been an accountant, attorney, adjunct professor in Business Law, Accounting and Internal Auditing, financial advisor, supervisory principal, and compliance officer. He also passed the Georgia CPA Exam, the Certified Internal Auditor Exam, and the FINRA Series 7, 24 and 9/10 exams.He is presently also a contributor on MSN Top Stocks Blog, Motley Fool and is a member of the M100 on Marketocracy, an elete honor chosen by the editors of Marketocracy as being in the top 100 portfolio managers of over 100,000 portfoiios they review. He would enjoy hearing your comments at firstname.lastname@example.com.
Previously a professional in the software industry and currently focused on absolute returns based on investment research and analysis associated with our personal portfolio.
Matthew Bradbard serves as a Director at RCM Alternatives & Attain Portfolio Advisors. Matthew began his career in the commodities business as an advisor to clients on asset allocation and buy/sell decisions. Matthew has devised, implemented and executed trading strategies for several firms since entering the commodity business in 2001. Matthew has also managed his own global macro CTA that traded numerous futures and options strategies and operated his own Introducing Broker for 5 years. A prolific commentator, Matthew has published subject-specific articles, market commentaries, and Managed Futures educational pieces for the last decade. Matthew is frequently interviewed for his opinion on commodities and current events as they relate to commodities and their role in an investor's portfolios.
After finishing my studies of physics in 1995 I started trading stocks. Since 2001 I have also been a systematic Futures trader. In the year 2002 I had the chance to work for some months on the trading floor of the Chicago Mercantile Exchange (CME).
I have published various articles on this topic, mainly in TRADERS' and in the ACTIVE TRADER magazine. Besides these smaller publications I am co-author of a book about systematic trading. It is called "Trading Systems" and was released by Harriman House, London in 2009.
I am a simple individual investor who believes that the playing field is level, but may require active management of one's holdings.
I've devised a series of steps that constitute a highly defined covered option strategy that most anyone can follow and that I've described in Option to Profit (2011).
Having retired from a career in Pediatric Dentistry, approximately 10 years ahead of schedule, after spending the previous 10 years working just 2 days each week, I now spend my time trading and alerting others of trading opportunities in large cap positions through the Option to Profit subscription service, a premium subscription service that provides actionable Trading Alerts via text messaging or e-mail at www.optiontoprofit.com. as well as a Web site access only subscription plan.
The Option to Profit subscription service is now in its 4th year.
Now, the Web Access subscription plan is available through Seeking Alpha's "Marketplace." A listing of those articles can be found at https://seekingalpha.com/account/research/subscribe?slug=george-acs
The subscription through Seeking Alpha also includes access to the full Option to Profit web mirror site at http://sa.optiontoprofit.com.
I want you to join me in making your stock portfolio improve the quality of your life. Whatever stage of life you are in, you can make your stocks improve that quality by putting them to work for you.
David is an attorney and former investment banker. He maintains the blog www.shipwreckology.com which focuses on nautical news and history.
TechCrunch (http://www.techcrunch.com/), founded on June 11, 2005, is a weblog dedicated to obsessively profiling and reviewing new Internet products and companies. In addition to covering new companies, we profile existing companies that are making an impact (commercial and/or cultural) on the new web space. TechCrunch is co-edited by Michael Arrington and Erick Schonfeld.
Successfully trading part time for Pizza money.
Stocktwist: http://stocktwits.com/nazzie
Twitter: https://twitter.com/MrsJakeBallard
Facebook: No time!!!
No information available
Trader - Economist - Health Care Specialist - Chart interpreter
Happy New Year!
2014 may not be kind to equities. Caution for most investors.
Great Year for traders!
Realornot 2014
Follow me and my trades on Twitter @Keddie
Long time private investor of Stocks and Options. I have been trading Stocks for 14 years and Options for 12+ years. I am extremely creative when it comes to my trades and I almost always attempt to keep things leveraged. The one thing I've learned is an investor should always be hedged and never be "Naked" in your trades.
I am a market enthusiast and part-time trader. I started writing for Seeking Alpha in 2011, and it has been a tremendous opportunity and learning experience. I have been interested in the markets since elementary school, and hope to pursue a career in the investment management industry. I have been active in the markets for several years, and am primarily focused on long/short equities.
I hold a Bachelor of Science Degree from Lehigh University, where I double majored in Finance and Accounting, with a minor in History. My major track focused on Investments and Financial Analysis. While at Lehigh, I was the Head Portfolio Manager of the Investment Management Group, a student group that manages three portfolios, one long/short and two long only. I have had two internships, one a summer internship at a large bank, and another helping to manage the Lehigh University Endowment for nearly a year.
Disclaimer: Bill reminds investors to always due their own due diligence on any investment, and to consult their own financial adviser or representative when necessary. Any material provided is intended as general information only, and should not be considered or relied upon as a formal investment recommendation.
No information available
I only look at stocks that have the possibility to double over a twelve month period and stocks in which the risk/reward ratio payout is high. In addition I focus on swing trade opportunities.
I focus more on valuations and risk/reward metrics as opposed to what make companies tick.
I have been a professional investor for over 20 years and during the past several years an economics analyst and financial writer for capital.gr, the biggest economic news portal in Greece.
I have managed money from time to time and have also done some seed venture capital projects in the past.


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Keep your legs warm in style with these fashionable Acrylic Leg Warmers that have been trimmed in rabbit fur. It has a variety of colors in the threading to give it a light, shimmering look. Wear them over your leg with heels, over your boots, or under your boots to give the look of fur-trimmed boots. These warmers are fashionable any way you choose to wear them!
Made in the United States with imported goods.
Disclaimer: Styles in fur may vary
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Shipping: Many of our products are made-to-order or are altered to better fit you. We do our best to ship majority of our products out within two business days, but if you would like to be sure of when you should expect to receive your product, please call us at (334) 277-7610.
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is unique about us
The ICA Classroom Experience
ICA coach training is rigorous and challenging. You will learn through experience and practice and apply what you learn first to your own lives and then to the lives of your clients. In doing so you will create a deeper and more personal knowledge of what it is to be a coach.
Starting with "The History of Coaching" you will study more than one coaching model or philosophy. Then, when you are ready, you will create your own unique coaching model; a model that will work for YOU, in YOUR context with YOUR clients.
Experience a unique blend of learning at ICA
We have over 50 modules in our accredited coach training program, and each one is delivered in a bite sized PDF.
Our students want flexibility and immediacy. They want to get their hands on our content where and when they want. So you can read our modules on your iPhone on the train, print them off and sit in the sun, download them and take them on the plane, or sit in the comfort of your own home.
The best way to dig deep into a concept is to pull it to pieces with a like minded groups of peers. Our teleclasses are small groups of 12 - 20 students led by experienced coach trainers. It is here that you will really explore the 50+ modules in our programs
We run over 70 classes a week across 4 timezones to cater for our broad international student base. Our premium Teleconference provider, Voicetext, make sure there is always an operator on hand if you need it.
And with no web based technology to worry about, joining a class is as easy as dialing a friend. You simply call our US based phone number using any device you want - cell phone, landline, skype, voip etc.
To get an idea of a typical teleclass experience click here -> The Anatomy of a Teleclass
The illiterate of the 21st century will not be those who cannot read and write, but those who cannot learn, unlearn, and relearn.Alvin Toffler
Our forum is one of the largest gatherings of coaching conversations you will ever see. With over 51,000 topics and posts from coaches and trainers it is not only a place of connection and sharing, it is like an online database of coaching knowledge.
A word on "virtual relationships": Unless you have met and connected with another human being via a forum you can never truly understand the depths of the relationships you can build online. Far from being inferior to so called "real world" connections, the relationships our students form are deep and long lasting. Many of them go on to establish businesses together (which enables them to offer coaching in several countries around the world) and it is common for students to connect up and meet in person as they travel the world.
There is nothing "virtual" about it really.
Want to Sample a Class at ICA?
Join Coaching 101- get 3 PDF modules, access to the Forum and a LIVE Teleclass
The quality of any training program is directly related to the quality of it's trainers. Our trainers are all experienced
coaches and all combine training with professional coaching - which means they are actually out there coaching on
a weekly basis. They bring real life examples and resources into the classroom.
Got a question? Want to follow up from something in class? No problem! Our Coach Trainers are easily
contactable via their own private folders in the ICA Forum. There are many discussions in the forum that began
as small comments in a teleclass and went on to become major threads of investigation.
Ask me about cross cultural coachingSunita Chibar, PCC ICA Trainer, India
Ask me about Youth & Parent coachingRob Stringer ICA Trainer, Canada
Ask me about coaching MumpreneursJamee Tenzer ICA Trainer, Canada
Ask me about Leadership coachingKaterina Kandeliou ICA Trainer, Greece
Ask me about Expat coachingScott Mascierelli ICA Trainer, USA
Our support is world class. Not only do we have a comprehensive knowledge base with just about every question a student has ever asked - we also match you with one on one peer support on request. You can partner with a past student as you navigate your way through our Learning Environment.
All our buddies are volunteers - what can we say, they love us! 🙂


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Check Out the new Remax App
Ask About This Home
Cottage Style Home and 11.96 Acres located in Carroll County, VA (956 Woodstock Rd, Laurel Fork, VA 24352). 2 bedrooms - 1 bath. Kitchen dining combo, living room and laundry area. Gas fireplace in living room. Could be converted back to wood. Wood Stove in Kitchen. Land is level to rolling. Approximately 2 acres open and 9.96 wooded. Stream on SW boundary is the Headwaters for Big Reed Island Creek. Abundant wildlife - hunting. Front Porch. Side porch. 5 minutes to Old Mill Golf Course. 5 minutes to Blue Ridge Parkway. 10 minutes to Meadows of Dan, VA. 20 minutes to North Entrance to Primland Resort. 30 minutes to Floyd, VA. 30 minutes to Hillsville, VA and 30 minuts to Mt. Airy,NC.


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House for Auction
- About this property
- Features
Absolute Waterfront in the CBDProperty ID GDL21668A golden opportunity to live on the waters edge in the heart of the city. Wake up to the magical sunrise over the glistening waters of the Tauranga harbour. Stroll to your favourite cafe or restaurant in a matter of minutes. Awaken the opportunity that lies in this spacious solid property that is sheltered from the prevailing winds. If you only want two bedrooms you can have two living areas, the choice is yours. CBD properties often lack on-site parking, this home does not. If you thought true waterfront was beyond your reach you may be pleasantly surprised. You could be making a buying decision that puts a smile on your face for the rest of your life. Don't dream it! Buy it!
To view a copy of the Title, Auction Agreement, Council File and Flyer sign into your Google (Gmail Account) and paste the following link into your web browser.
Contact Ian or Rachel to view on 07 213 0855 or 07 213 0854
Property features
ParkingSingle garage plus good off-street
InteriorHot Water Electric Kitchen Standard Dining Openplan Bathroom Separate Bathrooms / Separate WCs / Ensuite Stove Electric Interior Joinery: Aluminium Interior Condition Good Floors Single Storey Heating Kent Style Fire / Heat Pump Lounge Combined Lounge Dining Other Air Conditioning
ExteriorBase Concrete Fencing Partially Fenced Roof Decramastic Exterior Brick Exterior Condition Good Aspect Easterly Views Harbour Sea Frontage ROW Levels Level With Road Amenities Shops Water Extra Features Town Section Contour Level Sewage City
ChattelsCurtains, Drapes, F/Floor Cover, Garage Door Opener, Light Fittings, Stove, Security doors (3), Expellair, Bathroom heater, Filtered water unit
OtherAbsolute Waterfront


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The Roundup
Nation World HQ
February 27 2015 06:00AM
Leafs, Jets and Kings already making deals, David Clarkson's contract, Curtis Glencross, an Oilers Cartoon, a knock down punch and all the coverage leading up to the trade deadline you need in this week's Roundup brought to you by Draftkings.
The Steve Dangle Podcast - Feb 26, 2015 - Part 2 - Clarkman
Steve Dangle
February 26 2015 11:16PM
On this episode, DAAAAAAAAAAAAAAVEY CLARKMAN!!!! This episode was also an LFR video. (The dress is white & gold).
Leafs Postgame - Out-Shot But Not Out-Gunned
Elizabeth Bate
February 26 2015 09:05PM
Playing like
they'd had a 6'1", 200 pound weight lifted off their shoulders, the Leafs took
their streak to two in a 3-2 win against the Flyers at the ACC Thursday night.
Not for lack of trying, the Flyers out-shot the Leafs by more than 3:1, but still couldn't make it happen and were sent packing.
The Steve Dangle Podcast - Feb 26, 2015 - Pre Deadline
Steve Dangle
February 26 2015 07:06PM
We didn't know it at the time but this is the LAST podcast we did with David Clarkson as a member of the Toronto Maple Leafs. Fun times!
On this episode, the guys look at the Winnik trade and more, the upcoming deadline, and Jack Eichel.
How The Leafs Fought The Salary Cap (and Won)
Jeff Veillette
February 26 2015 06:12PM
You know, when Dave Nonis said he wasn't "worried about year six or seven right now", in reference it looked like a quote that was going to haunt him for the rest of his front office career. Granted, he was totally wrong about getting a "very good player" in year one of the deal, but today, he confirmed that he had nothing to worry about, with management perhaps performing Maple Leaf Sports & Entertainments financial magnum opus.


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- Worldwide Rank #82,391,070
- Follower/Following Ratio 0.16
- Daily New Followers 0
Mazen Ali Twitter Stats
@01142490822 - Tracking Mazen Ali Twitter profile since April 5, 2014
الصمت هو سر قوتي والصمت لغة العظماء
Mazen Ali Tweets
@01142490822 has posted 10 tweets in the last 5 days, which translates to an average of 2.0 tweets per day.
Mazen Ali Twitter Followers
@01142490822 has 37 followers on Twitter.
This account is #82,391,070 in the worldwide rank of the most popular Twitter users.
Mazen Ali Following on Twitter
@01142490822 is following 226 Twitter accounts.
Last month this account followed 77 users.
Mazen Ali Predictions & Milestones
@01142490822 will hit 26 followers in the next 3 months, and -8 in one year.
You are on Mazen Ali's Twitter stats page
We track these Twitter stats since April 5, 2014 . You can see how many followers Mazen Ali lost or gained and what the prediction is for tomorrow or the next 15 days, together with all kinds of other stats like rank compared to all Twitter users, tweets etc.
Why don't you give it a try and compare Mazen Ali to yourself ? Or if you are Mazen Ali get even more feature rich & up-to-date stats with our premium Twitter Stats.
Twitter Counter is the #1 Twitter stats site powered by Twitter. It all started in June 12, 2008 and we grew rather rapidly because of our Twitter Counter badge. The button is a nice small image that shows your visitors how many followers you have on Twitter. Within a year the button was on many many blogs around the world and we displayed more than 100 million buttons in one month. We track follower stats for over 180 million users now.


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Three Dublin Plays
"Shadow of a Gunman", "Juno and the Paycock" and "Plough and the Stars" Main
By (author) Sean O'Casey
Format: Paperback
Normal Price: $31.42
Your Price: $28.28 AUD, inc. GST
Shipping: $7.95 per order
You Save: $3.14! (10% off normal price)
Plus...earn $1.41 in Boomerang Bucks
Availability: Available, ships in 8-11 days
Three Dublin Plays by Sean O'Casey
Book DescriptionThree early plays by Sean O'Casey - arguably his three greatest - demonstrate vividly O'Casey's ability to convey the reality of life and the depth of human emotion, specifically in Dublin before and during the Irish civil war of 1922-23, but, truly, throughout the known universe. In mirroring the lives of the Dublin poor, from the tenement dwellers in The Shadow of a Gunman and Juno and the Paycock to the bricklayer, street vendor, and charwoman in The Plough and the Stars, Sean O'Casey conveys with urgency and eloquence the tiny details that create a total character as well as the terrors, large and small, that the constant threat of political violence inevitably brings. As Seamus Heaney has written, "O'Casey's characters are both down to earth and larger than life...His democratic genius was at one with his tragic understanding, and his recoil from tyranny and his compassion for the oppressed were an essential - as opposed to a moral and thematic - part of his art.
Buy Three Dublin Plays book by Sean O'Casey from Australia's Online Bookstore, Boomerang Books.
Book DetailsISBN: 9780571195527
(198mm x 126mm x 20mm)
Pages: 272
Imprint: Faber & Faber
Publisher: Faber & Faber
Publish Date: 20-Jul-1998
Country of Publication: United Kingdom
Customers who bought this also bought...
Books By Author Sean O'Casey
Silver Tassie, Paperback (April 2014)
Ireland, World War One. Dashing Harry Heegan leads his football team to victory, arriving home in swaggering celebration before he grabs his kit and heads for the trenches. A nightmare world awaits, the men, reduced to cannon fodder, speaking in mangled incantations as the casualties stack up.
Autobiographies III, Paperback (October 2011)
Offers both valediction and celebration: for though O'Casey views Ireland as a decaying ark ...afraid of the falling rain of the world's thought, he can still envisage the nation's young throwing out some of the musty stuff, bringing the fresh and the new...
Autobiographies II, Paperback (October 2011)
Looks at Sean O'Casey's young (pre-writing) life that takes shape amid the extraordinary tumult of Ireland in the early twentieth century, thus leading him into the fray of the Easter Rising of 1916.
Autobiographies, Paperback (September 2011)» View all books by Sean O'Casey
Sean O'Casey's six-part Autobiographies, originally published between 1939 and 1955, is an eloquently comprehensive self-portrait of an artist's life and times. This volume contains the first two parts: "I Knock at the Door" (1939) and "Pictures in the Hallway" (1942). The former charts the childhood of young 'John Cassidy'.
» Have you read this book? We'd like to know what you think about it - write a review about Three Dublin Plays book by Sean O'Casey and you'll earn 50c in Boomerang Bucks loyalty dollars (you must be a member - it's free to sign up!)
Author Biography - Sean O'Casey
Sean O'Casey was born on March 30, 1880 in Dublin, Ireland. Other than the Dublin Trilogy, his many works include "The Star Turned Red," "The Silver Tassie," and "Purple Dust." He died on September 18, 1964.
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|This is a discussion on Flop Full House Big Blind Special within the online poker forums, in the Cash Game Hand Analysis section; I don't usually play cash and when I do it's micro level. I have no reads but was very suspicious of the UTG limp. I feel I
Flop Full House Big Blind Special
I don't usually play cash and when I do it's micro level.
I have no reads but was very suspicious of the UTG limp.
I feel I should have raised him on the flop but I didn't want to lose him.
I got quite lucky!
***** Hand History for Game 6053092179 *****
$25 USD NL Texas Hold'em - Monday, June 11, 14:09:18 ET 2007
Table Jackpot #1304568 (No DP) (Real Money)
Seat 6 is the button
Total number of players : 10
Seat 1: v4r14nZ ( $31.10 USD )
Seat 2: hloette ( $10.40 USD )
Seat 3: Brimheim1 ( $24.30 USD )
Seat 4: uNbe69 ( $33.40 USD )
Seat 5: pollie69 ( $5.65 USD )
Seat 6: mpee83 ( $24.40 USD )
Seat 7: michobaloney ( $7.42 USD )
Seat 9: t38247 ( $20.60 USD )
Seat 10: QLvegasQ ( $6 USD )
Seat 8: ChimpAA ( $25.55 USD )
michobaloney posts small blind [$0.10 USD].
ChimpAA posts big blind [$0.25 USD].
** Dealing down cards **
Dealt to ChimpAA [ 3c Ah ]
t38247 calls [$0.25 USD]
QLvegasQ folds
v4r14nZ folds
hloette folds
Brimheim1 folds
uNbe69 folds
pollie69 folds
mpee83 folds
michobaloney folds
ChimpAA checks
** Dealing Flop ** [ Ac, 3s, As ]
ChimpAA checks
t38247 bets [$0.60 USD]
ChimpAA calls [$0.60 USD]
** Dealing Turn ** [ Kd ]
ChimpAA checks
t38247 bets [$2 USD]
ChimpAA calls [$2 USD]
** Dealing River ** [ Jh ]
ChimpAA checks
t38247 bets [$11 USD]
ChimpAA calls [$11 USD]
t38247 shows [ Ks, Kc ]a full house, Kings full of Aces.
ChimpAA shows [ 3c, Ah ]a full house, Aces full of Threes.
The time at which hand ended:Jun 11 2007 14:10 ET
ChimpAA wins $25.95 USD from the main pot with a full house, Aces full of Threes.
I've been seeing this "limp and try and reraise" play a lot. Seems like people slow play monsters to win little bit extra and occasionally get destacked when the opponent his a draw. Just last night I saw a guy limp in with AKs, then check the flop when he hit TPTK. The other guy hit a big draw on the turn and completely destacked him.
I'd rather win the blinds than lose my buy-in because I let the BB see a free flop.


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- roll over image to zoom
Aussie Spanker
Ceramic Wall Sculpture(ID: A95020)
Created by Byron WilliamsonOne of a Kind
This down under fish loves discipline and keeps all the school in fighting trim. The artist makes each of his whimsical sculptures using traditional ceramic hand-building methods: slab, coil, and pinching. After the main slab form is completed, additional sculptural pieces are attached. After the piece is fired to cone 5, a cold finish is applied using metallic paints.
other artwork you may like


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Luke is the first photographer i've come across who uses a social media hub called flavors.me. It's a pretty cool idea to aggregate all those social media profiles we seem to be collecting. Luke has an extensive portfolio which is worth a look. Enjoy.
Tell us a little about yourself?
I grew up near Toronto, Ontario in Canada but I moved to the US when I was a teenager because of family's business. I have lived on and off in Buffalo and Niagara Falls NY most of my life, but I have bounced around a lot for work over the years, Often spending a lot of time in Toronto, NYC, Philadelphia, and other large markets on the east coast.
What made you get into photography?
I really got into it in high school, but I had a camera around a lot when I was younger. One of my Brother's ex's had a father who worked for Kodak Canada, so I used to end up with cameras and film a lot as a kid when they would babysit me (There is a 16 year age difference between me and my brother) I remember shooting a lot of old kodak disc film at the time, mostly just point and shoot stuff that a little kid would take. In high-school I started the learn the more technical aspects of photography, in a pretty traditional wet-process environment. Strictly black and white film and printing and it was during this time that I got really into photography, I started looking at photography schools and eventually settled on the Rochester Institute of Technology for college, I ended up getting a solid technical education there that carried through the transition from film and wet process to a fully digital workflow, so I was lucky enough to be one of the last groups of photographers to get a solid education in both mediums.
How did you get started?
Which time?
After I graduated from RIT I spent a lot of time working on really un-fulfilling jobs usually shooting stills and copy work, or styling food, stuff that I ultimately found boring and that I had no passion for. But I kept drilling away at them because I thought it was what clients wanted to see. Eventually I just burnt out and quit, gave up completely and went to work for a manufacturing firm in hopes of a stable pay check.
Over time I slowly started to shoot again, but just for fun. I was shooting my own ideas and subject matter that interested me, and I found that I still loved photography, I just realized that I burnt out the first time because I was not being true to myself. and that I hated the work I was turning out. This time I was shooting with passion and rediscovering my love. Over time I was able to transition back into the professional realm of photography through assisting again and pushing my own work.
What sort of photography do you mainly do?
Portrait work, a lot of my work touches the realms of beauty, and some fashion, but my main interests are in taking those skills and ideas you see in conceptual fashion and beauty photography and applying them to real people in a stylish way. Some of my favorite images are of people I know or people in my community that I can tell a story about using stylish and modern approaches. And if I can do that with a little bit of flavor and style I am pretty happy at the end of the day. My clients have been pretty wide ranging; from boutique fashion and jewelry designers, to artists and musicians, news and editorial outlets, and corporate clients in the medical industry.
What gear are you using?
Whatever is right for the job!
But in all seriousness I like to keep a pretty tight kit that includes a Canon 5D mk2, a fuji x100 for candids and behind the scenes images, and my iPhone. But depending on the needs of the project I also use medium format digital backs or large format cameras when it is warranted. I don't believe that the tools are a defining factor anymore in this industry, what is far more important in the individual and their vision/interpretation of the subject at hand.
Whats your favourite lens and why?
I pretty much have always used the same two lenses for most of my work. A Canon 50mm f/1.4 and a Canon 70-200mm f/4L. I think my favorite is the 50 Prime. It is such an analog simple lens, there is something about making images with it that seems very satisfying to me, actually having to move to control distance, the simplicity and speed of focus, and the manageable size. It is one of the most basic lenses, which in my eyes, makes it one of the most interesting and versatile to work with.
How are you marketing yourself?
Ultimately I think that its all about those face to face and real world meetings. In the end, all my marketing is about starting a relationship with a potential client or collaborator. I use some of the traditional methods like e-mail promos, print mailers, digital portfolios, minibooks. etc. But I also try to experiment and mix it up, I am working on some event based marketing as well as some new formats for print marketing. I think that my blog has been a great tool in getting attention for my work as well, showing some different sides of my personal outlook while giving me a channel to share news and work.
Whats your favourite photo you have taken?
It tends to be that whatever my most recent image may be is usually my favorite for a few days, after that I tend to move on, focusing on the next project. I am a lot more concerned with developing new techniques and looks and pushing my subject matter. I think that relying too much on past successes or old work can lead to complacency creatively. I always want to be growing, always moving forward. So instead of a favorite piece, here is an sneak peak from a currently unreleased project.
Advice for new photographers looking to go pro?
Just get your work out there. Show it to everyone who will look at it, don't worry if your website isn't perfect, or your book could be a little tighter. You can change it and show them again six months down the road. You are always going to be growing and changing as a creative person, but you can fret away forever over making the perfect website to present your work. If you don't show it to someone, how will they ever find out about you? Get that work in front on their eyes, and learn from their reactions and responses, both positive and negative. You have to be a little fearless about it.
Visit Luke Copping – website and Social Media Hub


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Social Media news blog covering cool new websites and social networks: Facebook, Google, Twitter,.. MySpace and YouTube. The latest web technology news, via RSS daily.
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Possums Bite. 27; Aug; 2013; ... Achieving long term success with possum removal is often hard thing do. There are a number of factors that contribute to your success. - Read more
A failed attempt at catching a possum from our roof! I accidentally dropped him when he bit me! Lucky i had gloves on!Back to the roof trap i think?? - Read more
Question - HOW DO I TREAT A POSSIBLE POSSUM BITE/SCRATCH - A3. Find the answer to this and other Dog questions on JustAnswer.
I believe it has something to do with them having a very low body temperature which is not warm enough to effectively incubate the ... Rabies from a possum bite?
What do possums do? (I don't know) What do owls do? ... Why do snakes bite? (Because they are scared) Why do crocodiles bite? (Because they are hungry)
What do y'all do with possums you have killed? I have a bit of ... Sep 12, 2012 . Ask Your Question Here: What do y'all do with possums you have killed?
As cute as they are to look at, baby possums are not too easy to care for. It involves a lot of delicate handling, patience, and a working knowledge of these marsupials.
I would say a bird but the bite marks are not jagged enough. It may look like a couple of chubby-chunky caterpillers, they can do this much damage very fast..
Not only do possums destroy forests, they also infect cattle with bovine tuberculosis, threatening the country's valuable dairy industry. Their cost ...
I've never had a possum to bite a cat, but I've had possums come in the garage to eat cat food WITH the cats. ... Possums sure do incubate viruses, lol.
Admittedly, opossums do carry fleas (as do all wild and some domestic animals). And the opossum may bite you if you are foolhardy enough to grab one; after all, they ...
They are also commonly called possums, ... Adult opossums do not hang from trees by their tails, as sometimes depicted, though babies may dangle temporarily.
What Do Possums Eat? Posted In: Mammals. In point of fact, ... An opossum has a very varied diet while the possum will eat a bit of a different diet.
Do they bite or cause harm even if they are left alone? Answers: ... a possum will usually play dead until it is safe and they are left alone.
Opossum in the Attic - How Do You Get Possums Out of the Attic? Home. Services. Locations. ... Can possums bite? How fast can possums run? What do possums have to avoid?
Possums may be bothersome sometimes, but before you need to know how to get rid of possum, you should know a little more about them.
POSSUMS AND RABIES Dec book for rabies ... Virginia opossums do possums have. ... Fact, any mammal is common cases will bite if an rather avoid. dh 3 Ill and chacha ...
Possums diet vary from place to place but one thing is certain that if they want to get into your roof. Prompting the question what do possums eat?
Do you know how hard possums bite? I've been bitten by cats and a small dog and I was amazed at how painful it was compared to those two species.
What should I do? How do I locate a ... If not, the threatened opossum may "play 'possum", show its teeth, or bite in self-defense, as any animal would. Back to ...


text:
Africa » Morocco » Agadir » Caribbean Village Agador
> Boulevard du 20 Aout (West coast) | Agadir | Tel: +212028847101 |
A comfortable 3-star hotel, offers good value for money. It is located in the town center and the beach is only a 500 m walk away. The hotels night club is the local meeting point for gay men. The entrance is located just outside the hotel. Note that it is not possible to take someone in your hotel room.
Gay Hot Spots
Palm Springs
This is a desert oasis which offers something for everyone. Palm Springs is only two hours drive from Los Angeles and has long been a popular getaway for Californians as well as gay men from all over the US... more
Berlin is certainly always worth a visit. But it is also gaining in popularity as a place to live amongst people from all around the world. Berlin is not only one of the least expensive metropolitan cities, but also increasingly turning into Europe's gay capital... more


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not receiving money earmarked for health care, nor are the customer who is are paying the surcharge for what they honestly believe is for employee health care. in reviewing the armorial intent of the health care program, we reminded ourselves repeatedly that this program is about providing health care for employees, not creating additional profits for businessess, the jury has no issue with restaurant eurs raising their surcharge, a significant number of restaurant owners are benefiting from the addition of surcharges which are represented to their customers as being for employee health care. this is a clear violation of public trust, despite the koe and chew legislation passed in
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2011 which did not close the loophole ins the security ordinance but merely requires employers to wait two years instead of one to retain hra funds. it goes on to say that any excess must be for the benefit of the employees. well, this is extremely vague and ambiguous and we weren't sure what that meant. does that mean a hawaiian vacation for the owners in which they bring back little gifts for the employees? just think about the cost of implementation and enforcement to say nothing of the unbelievably complicated auditing process, so as a result, the jury recommends the city totally eliminate hra's in favor of the city option. the jury strongly recommends the city bring an end to the gratuitous practice of allowing business owners to add surcharges for employee
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mandates to their customer's bills and the jury recommends the district attorney follow through with an investigation to review our survey findings for possible consumer fraud. the promise of the health care security ordinance is to provide health care for workers in san francisco that is easily accessible. health reimbursement accounts do not fulfill this promise. when businesses use the health care surcharge to earn large profits, i must repeat, the public trust is violated. hra's may be technically legal, but are they ethical? we really don't think so. thank you. we'll take any of your questions. >> thank you very much. could you respond to the question that i raised earlier about the fact that this is
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2011 data, 2012 data will presumably come out whenever -- you know, next year, and to just respond to the concern that that data is from before the change of law took effect that places restrictions on the ability to give us the health surcharge when we're not spending the money on health care, etc.. >> i'm matthew cohen. i'm glad to be before the supervisors, for one thing, this is the information we had, and when we saw this information, we found that even though we knew more information was going to come out subsequent to that, this is really indicative of a process which we felt was not something that you can merely look away from even with the amendment that was passed, and for one thing, i am kind of concerned that even though money is supposed to be set aside for
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workers and if you're using the hra's, if the private employers and a considerable amount of them employ their own accounts, this discourages employees from coming in and basically you're telling their employers what you need the medical expenses for, it's an invasion of privacy, i would rather, it's nothing we saw in the revised legislation that actually standardized guidelines, as far as we know, employers can still insist on whatever they can restrict their guidelines to whatever extent they want, and i think that this, in essence, limits the ability, limits the access of workers regardless of the amendment to the benefits that they're entitled to. >> frankly, supervisor wiener, if i might say, just to be more clear to your point, what you
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ask, i'm sorry, it could be more clear, we didn't see enough changes to warrant change our findings. >> just to be clear, i think it's perfectly appropriate to have a policy debate about the issue which we had and which is ongoing and that's fine, i'm not critiquing that in any way, when you draw conclusions based on data when there's been a change when maybe in a year, it will come out, it will be similar, maybe it won't but i think that there's a question about whether the civil grand jury should have waited for that data to come out, but supervisor compos? >> thank you. well, we really couldn't. we could only access the data that was available, and i noted also that in response to some of our -- in the responses to the report that some departments provided that actually, i don't believe the
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forms for 2011 were sent out until march of 2012, so there was no way we could have access to this. furthermore, i think we found information, developed information on the surcharges that the olsc didn't have and wasn't pursuing, so if we opened the door that subsequently may be closed, still i think we have to look at the chance that is it won't be and again also the cost of seeing that it's closed and that's why we really felt the best way to address surcharges which are deliberately intended which are seined to benefit health of the employees should not be allowed, we can't stop employers from surcharging for other things, for platters, for bread, for whatever, there's no reason why they have to use the surcharge based on -- there are all kinds of euphemisms they can use, we're not sure we can
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determine whether a surcharge is designated, whether it falls under the designation of a legislation, so, you know, we did what we could, we found a practice that we found was pretty onerous, and since there's money at stake, we didn't feel the amendment closed the loophole the way it should have. >> did the civil grand jury consider simply waiting to do its report until the 2012 data was available? obviously now you could btbacker nltbackern't predict that data. >> we couldn't, our mandate goes to june 30th. >> but the civil grand jury is perpetual. >> we were in there for a year, so we compile information, we have to do our report before june 30th and i don't believe this information would have been available to us in any way. >> and then new jurors would take over at this point. okay, supervisor compos? >> well, i want to thank the
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civil grand jury for their service, you know, the thing about civil grand juries is that over the years here in san francisco, they have played their important role and the point of civil grand juries is for them, these private citizens who are volunteering their time to take on issues that in their view are of critical importance to the city and quite frankly issue that is many times they feel city hall is not dealing with, the latest example prior to this that i can think of is the issue of pension reform, the fact is that pension reform and i'll say that as xhn who was part of the elected family, i was guilty of that, i think all of us was guilty of that, not a lot was happening around pension reform until the civil grand jury issued its report, so i know there are times where there's going to be many of us at city hall to say to the grand jury, you should have waited to take on this issue, i'm glad you're taking on this
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issue, it continue tos bring in the fore mont something that remains unresolved. there are differences of opinion and i know there are some people in the audience whose opinions i respect that have a different approach, different perspective on whether or not this loophole is closed. we believe it hasn't been closed but one thing i do worry about and i'm wondering if you could talk about that is the trend in terms of the usage of hra's that you saw, i'm wondering if you can taug about that because i think that a lot of health experts will say that the hra is the worse kind of health care in terms of what -- how it protects an employee and so i want to know a little bit more about the trend that you see in terms of businesses using hra. >> well, i believe that we found that they're increasing because this is to the employer's advantage if they can recapture this money , and
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the other thing, one of the questions i had was if you're designating money to an hra and let us say an employee doesn't come in or is discouraged from coming in to cover medical costs and i assume there are a lot of employees who are reluctant to go to their employee and i know some of them are third parties, but what happens to that money? why isn't that money designated anyway to go to health care if not for that specific employee or for employees in general. the way we see the schemes that are set up with hra's is that it does tend to discourage the use and there are a number of reasons, the lack of standard guidelines, there are other employees who don't want to approach their employer and is say they need coverage and don't want to disclose what they need it for and no matter how many private employers
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actually administer their own accounts and we don't really know specifically, i know one of the reports, it was 15%, but certainly that's 15% too many. this would tend to increase the amount of money that can revert back to the employer after two years, and what happens, you know, you talk about surcharges have to be paid -- what does designate mean? what does it mean to designate funds that were intended for the health care of employees? designate, was that identify? well, what happens to it? what is the resolution -- how does the city respond if these monies are not paid for health care and what do you mean by the benefit of employees, there's terms in there that discuss, well, it has to go to the benefit of employees, it doesn't say medical benefit of employees which is one of the points we brought up, so those were the things we felt were --
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there's also another issue and that is there are part time workers that work for more than one employer and this also is a confusing and complicated issue that could be resolved, this is what we mean by eliminating the hra's and requiring the money to be deposited directly with the city under the sf option which we feel would be a better way of providing these services and delivering these services to employees in the city. i don't know to what extent that -- >> thank you, president chu. >> i have one comment, first of all, i want to echo what supervisor compos said, i want to thank you, you have a big job and a number of reports coming from this past year that we'll be considering and i appreciate the work that you have done on that, from my perspective and i think this is probably no surprise, we heard a lot of testimony last year that echoes what you have laid out in your report, it was the fact that hra's seem to be on
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the rise, the fact that there did seem to be restaurant that is were abusing surcharges with regards to employees and consumers, that caused me to spend quite a bit of time after last year's vito to craft the legislation that as we all know just went to in effect this year, so from my perspective, i didn't hear necessarily any new data different pr the testimony that we heard last year, it really confirmed the problem that we heard about which is why we moved forward with the legislation at the end of last year and certainly if this data, if we hear data like this a year from now or two years from now as i stated before, i will have great concern and i will be working to think about how to continue to refine the law in this area, but because the data which i hear again is simply to me appears to be a bit of a rehash of the data we heard last year, that's why i really have some questions about how this old information is trying to be used in a new
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way to criticize legislation that just went into effect. >> there's a report that just came out, is that what we're talking about, doesn't that follow the same, you know, follow the same reasoning we have? >> i think the olsc report which came out which is 2011 data is a great base line for us to compare, but it doesn't suggest that the law that went into effect on january 1, 2012 isn't going to have its impact, its positive impact. >> the only response that i would have to you, supervisor, is that we'll know more in april when the new data comes out, but we continue -- we've been so invested in this for a year, so naturally we still when we go into restaurants, we ask questions despite your well
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intended amendment, we still hear the exact same stories, there doesn't seem to be a change that we have noticed so that's all i can say. we're more interested than i think most people, so we ask the questions when we go into restaurants and there are people that still don't know that despite needing signs now and it's -- i think your intention was -- your amendment was very well intentioned, i just don't think it went far enough with the jury. >> which i appreciate and i have asked this of the business community and we have leaders of the small business community here to engage in that education effort and they have been engaged in that effort and we will see nr the coming months and years if it does have the impact that it does, i hope that it does but that will be seen. >> we do too. >> our position is to raise issues, we look at various things that are going on, there are programs and processes, and
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when we see something we think needs to be addressed, we address it. we don't always have the ability to get all the information we need on a timely basis, but we do the best we can and we try to stay as up to date as much as possible, so regardless of how that works out, if we bring this to the attention of the bore, of the city, of the public, then at least we know it's getting addressed to some extent. >> absolutely. and we appreciate that, absolutely, and supervisor chiu, you have a question? >> i don't have a question, i want to thank you for your comment and is your presentation. i wanted to address a separate issue, supervisor compos talked about the value of the civil grand jury, i think we agree with that and i don't think it's a question about any one of us value the civil grand jury more or less, but i think it helps to highlight some of the issues we do face, with regards to the pension, there
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were a lot of people thinking about the pension fund and how we would deal with it moving forward, i think what really critically happened was the civil grand jury report, but in 2008 when we had the major crash in the stock market, we saw the pension fund drop drastically, which really served to highlight the need to implement reforms immediately, and so i absolutely value the civil grand jury's work, i think the different events that happened highlighted to bring it to the forefront. there were a lot of things happening around pension. >> colleagues, any additional comments before we go to the departments? >> no. >> so, we have -- i'm going to call up, we have a number of departments, first we'll start with olsc given that it was both the respondent to the civil grand jury as well as the
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creator of the report at issue and wanted the hearing request, and then after olsc and if the departments want to go in different order, na's fine, we have the department of public health, the district attorney, the treasurer tax collector, the city attorney, the mayor, and then after the city departments, we do have someone from the board of equalize sashes that will address us around the tax issue and is the golden gate association which voluntarily responded to the civil grand jury. so, we'll start with olsc. and olsc is office labor standards enforcement. >> good afternoon, members of the committee, i appreciate your time and the opportunity to be here. i'm going to try to do a couple of things in quick succession, i will recap our responses to the civil grand jury report and then i was going take a moment
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to summarize the report that we issued in august on the 2011 data that was submitted to us, much of that has been discussed already so i'll try to get through that quickly and high lying a few things that haven't been addressed so far. with that, we were asked to respond to just six of the 13 findings from the civil grand jury so i'm going walk through those, the first finding indicated that the jury couldn't identify any government investigations tracking surcharges, we partially disagreed with that finding i think unbeknownst so the grand jury, we had commenced our process of na process of compiling that which we've since issued in our report in august, so we have done that. moving to the fourth finding, the grand jury indicated that the city didn't have a plan nor
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sufficient staff at olse to audit surcharge compliance with the regulations. the olse's response in summary is that we absolutely intend to at least facially respond to as has been indicated already, employers are going to be required to report to us their surcharge data, how much they collect in surcharges, whether or not that's more or less the amount they spend in health care, those who report to us affirmatively that they have collected more on surcharges than they spent on health care, we will enforce the provision that they be required to spend that money irrevocably on health care, we intend to do that and have a plan to do that. at the same time, i think it's also right to say we do not have the resources to proactively investigate or to
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on our own velysing report to they have collected more on surcharges than spent on health care. fnt supervisor compos? >> thank you very much, mr. gold berger and -- gold berg, thank you to your and your staff with the limited resources you have, do you verify the information that's provided to you? >> in general with the reports that come in every year as you know, supervisor compos, we're statute toiler obligated, we issue reports each year on the data that is self-reported by the employers, we do not verify the data before issuing our reports. >> and following the amendment that was passed, was there any plan or strategy to begin to audit and verify that data? >> well, as you know, the amendments are effective january 1, 2012, so in early 2013, we're going get the first
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batch of data from employers about the surcharge information they imposed in 2012, i think it's to be determined whether or not we're going have any ability to go beyond looking at the information provided to us. realistically based on staffing, i think the intention or expectation is that we're going to take the data at face value, i think it's also fair to say though that when we do our normal investigations of employers, as a general matter, we're investigating employer compliance based on complaints that are brought to us by employees and when when we do those normal investigation, we'll dig into the details of any surcharges. >> just a final request related to this point, are there employers that do not turn in information? >> yes, and that's moving ahead a little bit, but with respect
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to the 2011 report that we just issued, that was information related to us from many employers, that was the number of the cutoff date up to the report, there are numbers that trickled in, the exact numbers of employee that is are covered by the ordinance and thus required to report to us, our best estimates working with the treasurer and tax collector's office is that we receive about 80 or 90 percent of annual reporting forms. >> and what happens to those employers that do not provide that information? >> traditionally or historically, nothing. it is right that the board among the amendment that the board made that went into effect on january 1, 2012 was an increase to a penalty that
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is imposed upon employers that fail to submit their annual reporting form and based on that amendment to the ordinance websinger have commenced the pilot project this year where we're trying to dig into the sub s*et of employers who do not submit their annual reporting form and go back to those employers and they have in violation, we have engaged in that on a pilot project. >> what does that mean, pilot. >> we selected a pool of 100 employers who we believed based on the data we had was based on the ordinance and were required to submit an annual report to us, we submitted them a notice that said they were required to submit the form and pay a 500 dollar penalty, we're at the conclusion of this pilot project, but approximately 30% of those in fact paid the penalty and submitted their
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annual reporting form, another third indicated to us that they were not required to submit the reporting form as we sort of anticipated would be the case, as you know, there's a various requirement and eligibility issues about who's required to submit the forms and we have not heard from the remaining. >> i'll let you continue, sorry. >> it's okay. moving on to the next finding from the grand jury was finding number 5, similar to finding number 1, this indicates that businesses were not required to report or reconcile to the city their surcharges, as we've all alluded to, we did in fact collect the surcharge data for 2011, we didn't reconcile it in the sense that the amendments regarding surcharges were not in effect at that time and so we collected the 2011 surcharge data for statistical purposes
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only. finding number 6 indicates due to the varied wording in describing sur channeled on customer bills, the auditing of surcharges will be difficult. just to clarify, i think it's right and what we highlighted in our response is that we are going to do the absolute best we can to audit and ensure employer compliance with that provision, it is also at the same time correct that an employer who imposes a general mandate or employer mandate surcharge, it will be at the discretion of that employer to indicate what if any portion of that surcharge was designed for health care. i will say in some respects the amendment tos the ordinance around surcharges were to combat consumer fraud and to the extent that some employers have shifted the nature of their surcharge from a health care surcharge to a more
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general surcharge, i think that that is a positive outcome and speaks to and addresses the possible consumer fraud there. that's finding number 6. the final two -- >> is that requirement any different than what state law already required in terms of consumer protection laws? >> you know, this is now of course a new provision that's put directly into the health care security ordinance. i can't really speak to what consumer protection or consumer fraud provisions are in place in state law or in tortes that are permitted. >> although just to be clear, i think it's probably fair to say before the amendment that is we passed at the end of last year, there wasanted anything at city law that said to your office, you need to refer cases that you find to the appropriate authorities whether they be for criminal penalties or consumer fraud penalties so my guess is your staff is probably looking at this more seriously and will
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absolutely consider referral cases bh necessary? >> yes, i think that's absolutely right. >> and i want to take a moment and thank your office for the efforts you're making here. i think there's been some distortion ins the debate of this issue whether those of us who supported this amendment thinks this is a practice that should be supported, i don't think anyone believes that if an employer say tos a consumer that money's supposed to be used for health care, if that money doesn't go to health care, that money needs to be recouped from the employer, put into health care accounts and if there is any activity that suggests that an employer's not doing that, we want your office to investigate and appropriately pursue authorities. >> thank you. moving on to finding number 8, the civil grand jury has essentially repeated a statistic that came out of our
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2010 report which again is now sort of a year behind, they indicated that 62 million dollars was allocated to hra's, 12 million was reimbursed, 50 million was retained by employers, up to 50 million, those statistics are right with a couple of caveats, that spoke to reimbursement programs, the annual reporting form didn't speak to what happened to that unused 15 million dollars, it's right that in 2010, the general practice was plans operated on a calendar year and money reverted back to employers, which has subsequently been changed, tla's finding number 8. finding number 10, the final finding that we were called upon to respond to indicated that significant number of restaurants utilizing hra's in 2010 paid out no medical expenses for t
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McCarthy tells GOP conservatives 'I'm not John Boehner'
WASHINGTON (AP) -- House Majority Leader Kevin McCarthy is promising conservative GOP lawmakers "I'm not John Boehner" as he seeks their support to replace Boehner as speaker.
McCarthy and his two Republican rivals for the speaker's job took turns meeting behind closed doors Tuesday night with a coalition of four groups comprising the most conservative members in the House. These are the lawmakers who forced Boehner to resign and now they're maneuvering to deny his No. 2, McCarthy, the chance to ascend unless he agrees to various demands.
Lawmakers present said McCarthy pledged changes to the House.
SEE ALSO: Iran's supreme leader bans negotiations with the United States
"I think McCarthy's pitch was 'I'm not John Boehner, I'm going to run things differently, I'm my own man,' " said Rep. Blake Farenthold, R-Texas. "And I think that's a case that he does have to make. One of the things I hear all the time from my constituents back in Texas is we don't want John Boehner 2.0."
The other two lawmakers running for the job - Reps. Jason Chaffetz of Utah and Daniel Webster of Florida - also addressed the group. Chaffetz said afterward, "I would just fundamentally change the way we do business around here, so it was fun."
McCarthy appears to have the support of most House Republicans and is likely to emerge as their nominee for speaker in secret-ballot elections set for Thursday.
See photos of the House Majority Leader:
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But that does not guarantee he will prevail when the full House votes for a new speaker in open session on Oct. 29. That's when conservatives will have their leverage, because McCarthy can lose only 29 votes and still come out the winner.
McCarthy, who represents a California district, remains the favorite and has Boehner's support. But conservatives say they will not back him unless they're convinced he'll take the House in a new direction. They want more involvement in decision-making and a tough line on issues like increasing the federal debt ceiling and deleting funding for Planned Parenthood in must-pass spending legislation - even though that risks a government shutdown.
"What Kevin has against him is he's John Boehner's right-hand man," said Rep. Tim Huelskamp, R-Kan., chairman of the Tea Party Caucus.
"He's going to have to reach out and work with conservatives like they've never done since I've been here," said Huelskamp, elected in 2010.
A number of Republicans are insisting that whoever emerges as the nominee Thursday should get the support of all GOP lawmakers in the floor vote at month's end, but there appears to be no mechanism for enforcing that.
"For the good of the country it's vitally important that the Republican caucus coalesce around the candidate that earns the nomination," said Rep. John Culberson, R-Texas. "It's a critical time for the country."
The uncertain outcome has caused great turmoil in the House, even as lawmakers face daunting tasks including raising the debt ceiling by early November to avoid a market-rupturing default.
McCarthy's candidacy was hurt by a gaffe last week where he boasted that the House's Benghazi investigations committee could take credit for Hillary Rodham Clinton's falling poll numbers. He retracted it, but Clinton is now using the moment in a campaign ad, and the fracas gave Chaffetz an opening to jump into the race.
Rep. Thomas Massie, R-Ky., said McCarthy apologized in the meeting for his Benghazi comments. "He said it wasn't a good choice of words."
Chaffetz chairs the high-profile House Oversight and Government Reform Committee while Webster, who unsuccessfully challenged Boehner in the past, already has a handful of endorsements from conservatives.
Massie said that all three candidates pledged they would protect the conservative lawmakers they addressed Tuesday from attacks by the U.S. Chamber of Commerce should it come after them in next year's elections. The Chamber of Commerce and other establishment-aligned groups have sometimes meddled in GOP primaries to elect business-friendly Republicans over tea party adherents.
REALTED: John Boehner during his time as House Speaker:
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Associated Press writer Alan Fram contributed to this report.
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