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On this page: Types of health insurance ι Paying for treatment ι Medication and the PBS ι Reviewers
This page provides a general overview of the health care system in Australia. It includes information about:
The Australian Government provides health care insurance to citizens and permanent residents of Australia through Medicare. Under Medicare, you can receive free inpatient treatment in a public hospital. However, you can't choose your own doctor and you might have to wait for some services. Medicare also provides benefits for outpatient services, such as visits to GPs and specialists, but it doesn't cover dental, ambulance and private home nursing services.
Private health insurance is a contract between you and an insurance company where you pay the company to cover your medical expenses. The amount you pay (the premium) and what's covered depends on your policy. As a privately insured patient, you can choose your own doctor, and you can choose to be treated in a private or public hospital. However, private health insurance may not cover all your costs, so there may be some out-of-pocket fees.
Everyone's entitled to be treated as a public patient in a public hospital. If you have private insurance, you can choose to be treated in a private facility, or as a private patient in a public hospital.
You have a right to know whether you'll have to pay for treatment and medication and, if so, what the costs will be. There may be fees you hadn't considered – for instance, if you have surgery as a private patient, there will be fees for the hospital stay and the anaesthetist. Your doctors must talk to you about likely out-of-pocket expenses before treatment or before you go to hospital. This is called informed financial consent.
Medicare sets fees for medical services, called the schedule fee. Some specialists charge more than the schedule fee. They may, for example, set their fees according to the Australian Medical Association's list of fees. The difference between the schedule fee and the higher doctor's fee is called the gap fee.
If you're treated as a public patient, Medicare pays for your care and treatment while in hospital, and follow-up care from your treating doctor.
For a private patient in a public or private hospital, Medicare pays 75% of the schedule fee for services and procedures that your doctor provides. Your doctor can choose whether to charge more than the schedule fee. If your doctor charges more than the schedule fee, your insurer may cover the gap or you may have to pay the difference.
Patients with private insurance will also be charged for hospital accommodation and items such as operating theatre fees and medicines. Private health insurance may cover some or all of these costs, depending on the policy.
Some private health insurance funds will only pay benefits for services at certain hospitals. Check with your fund.
A lot of cancer care is delivered outside hospital, such as when you see your oncologist or GP in their rooms for a consultation, and when you have tests, such as x-rays and pathology.
Some doctors bulk-bill for their services, which means they bill Medicare directly, accepting the Medicare benefit as full payment. Other doctors charge a consultation fee, which means you pay the account at the time of the consultation and claim the benefit through Medicare.
Medicare pays 100% of the schedule fee for GP visits and 85% of the schedule fee for visits to specialists.
If treatment is too expensive for you, there are a number of options:
The Medicare Safety Net subsidises costs once your expenses exceed a certain amount (called the threshold).
Individual patients are automatically registered for the program. You can contact Medicare to register as a family or couple and combine your medical costs so you're more likely to meet the threshold sooner.
Many drugs and medications – especially chemotherapy drugs – are expensive. The Australian Government's Pharmaceutical Benefits Scheme (PBS) subsidises the cost of more than 2,600 prescription medicines.
On the PBS, concession card holders (e.g. people with a Seniors Health Card or Health Care Card) and veterans receive discounts on prescriptions. You can get PBS medication even if you're treated privately.
The PBS Safety Net helps you afford medication covered by the scheme. Once you pay a certain amount for medicine, the rest of your prescriptions that year will be discounted or free. Occasionally, a doctor may prescribe a medicine that's not on the PBS. Prescriptions for these medicines are known as private prescriptions and they may cost more. Private health insurance may cover some or all of the cost of a private prescription.
"I hit my PBS Safety Net 3–4 months into the year, then I paid nothing else because I'm a pensioner. I have a chemist who helps me keep track." — Jonathan
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Apartment of 50 m2 has designer renovation. It is located not far from the city center in comfortable and quiet area. Very convenient transportation, a stone's throw from the main walking street. It is located next to shops, supermarket, restaurants, cafes, bars, banks. Railway station is located in 10 minutes drive from the house. There is a parking fee in the yard. The house is located in a quiet area, offers a very nice view of the city. Apartment is only after renovation, all entirely new. The apartment is fully equipped with appliances and furnishings: TV, refrigerator, gas cooker, oven, washing machine, electric kettle, hair dryer, iron, ironing board. There are perfectly clean bed linen and towels. The apartment has 4 sleeping places: big comfortable sofas with orthopedic mattresses. The kitchen is equipped with all the necessary utensils. Full bath, air conditioning: included shampoos, shower gels, hair conditioner.
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text: I recently got a replacement Griffin Roadtrip with Smartscan after the last one broke shortly after it's purchase. It appears they have sent me a slightly newer model (I'm sure if you buy one now you will get this new one buy default). Much to my surprise you can no longer play video while docked in the Roadtrip. This is a real pain for me as it was great for the kids in the back seat with the audio going through the car speakers. Otherwise the device is great and fits better than the older model. Has anyone else a similar problem to this or knows a work-around?


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July 6, 2010
SKI SHAWNEE, INC., PLAINTIFF,v.COMMONWEALTH INSURANCE COMPANY, DEFENDANT.
Presently before the Court is Defendant Commonwealth Insurance Company's ("Commonwealth") Motion for Summary Judgment. (Doc. 9.) For the reasons discussed more fully below, Defendant's motion will be granted. This Court has jurisdiction pursuant to 28 U.S.C. § 1332.
On February 8, 2008, a bridge collapsed on Hollow Road in Shawnee-on-Delaware, Pennsylvania. (Doc. 12 at ¶ 7.) Hollow Road is the main route for ingress to the Plaintiff's ski resort and feeds into the southern entrance of the resort. (Id.) As a result of the bridge collapse, the Pennsylvania Department of Transportation ("PENN DOT") closed Hollow Road to the public on February 9 and 10, 2008, during which time bridge repairs were completed. (Id.) Approximately seventy percent (70%) of Plaintiff's patrons access the resort by Hollow Road. (Doc. 9, Ex. C.)
At the time of this incident Plaintiff Ski Shawnee, Inc. ("Ski Shawnee") had a insurance policy with Commonwealth that included business income loss coverage. This coverage stated that:
We [Commonwealth] will pay you [Ski Shawnee] for the actual loss of Business Income you sustain due to the necessary "Suspension" of your "Operations" during the "Period of Restriction." The "Suspension" must be caused by direct physical loss of or damage to property at the covered premises at the named locations stated in either Coverage Part II or Coverage Part III Declarations and for which a Business Income Limit of Insurance is shown in the Declarations.*fn1 The "Covered Property" under the policy includes Buildings, Business Personal Property (such as furniture and equipment), and Personal Property of Others. The policy also includes coverage for:
[T]he actual loss of Business Income you [Ski Shawnee] sustain and necessary Extra Expenses you incur caused by action of civil authority that prohibits access to the covered premises at the named locations stated in either the Coverage Part II or Coverage Part III Declarations due to direct physical loss of or damage to property adjacent to the covered premises.
On February 20, 2008, Ski Shawnee filed a claim for loss with its insurance agent/broker The Richardson Group. (Doc. 9, Ex. B.) At some point after receiving notice of Plaintiff's insurance claim, Commonwealth retained McLarens Young International ("MYI") to assist with the investigation as claims adjusters; MYI, in turn, retained Michael A. Castillo, CPA, to assist with the loss of business income claim. (Doc. 12 at ¶ 10.) On February 22, 2008, Mr. Castillo contacted Ski Shawnee requesting information regarding the claim. (Doc. 12 at ¶ 11.) Ski Shawnee sent a letter to Mr. Castillo, on March 4, 2008, enclosing records of income loss and estimating that the business interruption loss totaled $118,500. (Doc. 9, Ex. C.) Mr. Castillo responded on March 18, 2008, seeking more documents of past income, in order to properly calculate the business income lost as a result of the bridge collapse and subsequent closing of Hollow Road. (Doc. 9, Ex. D.)
On March 21, 2008, MYI sent a letter to Ski Shawnee, explaining that "[t]he information thus far provided regarding your loss indicates possible involvement of questions of coverage and/or violations of the terms and conditions of the policy of insurance, which may have a material bearing on the insurer's liability in this matter. In order to fully resolve these questions, an investigation will be undertaken and a final decision by the insurer will be deferred." (Doc. 9, Ex. E.) On April 11, 2008, Castillo sent a letter to Ski Shawnee advising that he had not received the documents requested in the letter of March 18, 2008. (Doc. 9, Ex. G.) On April 17, 2008, Ski Shawnee sent Mr. Castillo a letter stating "[w]e enclose all of the information requested in your letter dated March 18, 2008." (Doc. 21.)
On July 8, 2008, MYI alerted Ski Shawnee that "there is no coverage under this policy of insurance for your loss of income that resulted from the closure of the bridge." (Doc. 9, EX. H.) Counsel for Ski Shawnee sent a letter to MYI on September 25, 2008, stating the "[w]hile some of Shawnee's customers were able to access the ski area by traversing roads that entered the ski area from the north, the northern route was neither the publicized nor generally recognized route of ingress to the ski area." (Doc. 9, Ex. I.) On October 2, 2008, MYI told Ski Shawnee that it had forwarded Ski Shawnee's counsel's letter to Commonwealth and would be providing a formal reply in due course. (Doc. 9, Ex. J.) Counsel for Commonwealth responded to Ski Shawnee on October 29, 2008, reiterating that Commonwealth would not provide coverage under the policy and citing applicable case law. (Doc. 9, Ex. K.) On June 24, 2009, Ski Shawnee's counsel sent a letter to Commonwealth, re-asserting the position that coverage was due under the policy. (Doc. 9, Ex. L.) On July 27, 2009, Commonwealth's counsel again stated that coverage was not owed under the policy. (Doc. 9, Ex. M.)
Plaintiff then filed the instant action in the Court of Common Pleas of Monroe County, bringing causes of action for breach of contract (Count I), breach of the Pennsylvania Unfair Insurance Practices Act (Count II), and bad faith pursuant to 42 PA. CONS. STAT. ANN. § 8371 (Count III). Commonwealth removed the case to federal court on December 4, 2009. On April 21, 2010, Commonwealth filed its Motion for Summary Judgment. (Doc. 9.) This motion has been fully briefed and is currently ripe for disposition.
Summary judgment is appropriate "if the pleadings, the discovery and disclosure materials on file, and any affidavits show that there is no genuine issue as to any material fact and that the movant is entitled to judgment as a matter of law." Fed. R. Civ. P. 56(c)(2). A fact is material if proof of its existence or nonexistence might affect the outcome of the suit under the applicable substantive law. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986).
Where there is no material fact in dispute, the moving party need only establish that it is entitled to judgment as a matter of law. Fed. R. Civ. P. 56(c)(2). Where, however, there is a disputed issue of material fact, summary judgment is appropriate only if the factual dispute is not a genuine one. Anderson, 477 U.S. at 248. An issue of material fact is genuine if "a reasonable jury could return a verdict for the nonmoving party." Id. Where there is a material fact in dispute, the moving party has the initial burden of proving that: (1) there is no genuine issue of material fact; and (2) the moving party is entitled to judgment as a matter of law. See Charles Alan Wright & Arthur R. Miller, Federal Practice and Procedure: Civil 2D § 2727 (2d ed. 1983). The moving party may present its own evidence or, where the nonmoving party has the burden of proof, simply point out to the Court that "the nonmoving party has failed to make a sufficient showing on an essential element of her case." Celotex Corp. v. Catrett, 477 U.S. 317, 323 (1986).
All doubts as to the existence of a genuine issue of material fact must be resolved against the moving party, and the entire record must be examined in the light most favorable to the nonmoving party. White v. Westinghouse Elec. Co., 862 F.2d 56, 59 (3d Cir. 1988). Once the moving party has satisfied its initial burden, the burden shifts to the non-moving party to either present affirmative evidence supporting its version of the material facts or to refute the moving party's contention that the facts entitle it to judgment as a matter of law. Anderson, 477 U.S. at 256-57. The Court need not accept mere conclusory allegations, whether they are made in the complaint or a sworn statement. Lujan v. Nat'l Wildlife Fed'n, 497 U.S. 871, 888 (1990). In deciding a motion for summary judgment, "the judge's function is not himself to weigh the evidence and determine the truth of the matter but to determine whether there is a genuine issue for trial." Anderson, 477 U.S. at 249.
1. COUNT I- Breach of Contract
The interpretation of an insurance contract is a question of law for the court to decide. Reliance Ins. Co. v. Moessner, 121 F.3d 895, 900 (3d Cir. 1997) (citing Standard Venetian Blind v. Am. Empire Ins. Co., 469 A.2d 563, 566 (Pa. 1983)). A court must give effect to the plain language of the insurance contract read in its entirety. Reliance, 121 F.3d at 901. When the language of an insurance policy is ambiguous, the provision must be construed in favor of the insured. Reliance, 121 F.3d at 900-01 (citing Standard Venetian Blind Co., 469 A.2d at 566). Contract language is ambiguous if it is reasonably susceptible to more than one construction and meaning. Bowersox v. Progressive Cas. Ins. Co., 781 A.2d 1236, 1239 (Pa. Super. 2001) (citing Hutchinson v. Sunbeam Coal Corp., 519 A.2d 385, 390 (Pa. 1985)). However, the language of an insurance policy may not be stretched beyond its plain meaning to create an ambiguity. Madison Constr. Co. v. Harleysville Mut. Ins. Co., 735 A.2d 100, 106 (Pa. 1999).
As for the coverage listed under "Business Income," that provision does not apply because the loss at issue due to the "suspension" of Plaintiff's "operations" was not the result of a "direct physical loss of or damage to property at the covered premises." The damage was done to a bridge located on Hollow Road south of the Plaintiff's property. By the plain and unambiguous language of the insurance policy, this coverage does not apply to the case presented here.
The other possibly applicable portion of the policy is the civil authority coverage, which provides that Commonwealth will pay for any loss of business income that is "caused by action of civil authority that prohibits access to the covered premises... due to direct physical loss of or damage to property adjacent to the covered premises." Neither party argues that PENN DOT's closing of the bridge on Hollow Road was an action of civil authority. Nor do they argue that there was damage to property adjacent to the covered premises. Instead, this argument centers around whether PENN DOT's actions prohibited access to Plaintiff's premises.
When the action of a civil authority completely shuts down access to a party's premises, federal courts have held that the coverage in insurance policies similar to the one at bar are triggered. Narricot Industries, Inc. v. Fireman's Fund Ins. Co., No. CIV.A.01-4679, 2002 WL 31247972, at *4-5 (E.D. Pa. Sept. 30, 2002). However, where the action of a civil authority merely hinders access to the covered premises, without completely prohibiting access, federal courts have held that such action is not covered under policies like the one in the instant case. Southern Hospitality, Inc. v. Zurich American Ins. Co., 393 F.3d 1137, 1140-41 (10th Cir. 2004); see also Abner, Herrman & Brock, Inc. v. Great Northern Ins. Co., 308 F. Supp.2d 331, 336-37 (S.D.N.Y. 2004).
In Narricot, the plaintiff's facilities in North Carolina were located in an area that was ravaged by Hurricane Floyd. Narricot, 2002 WL 31247972, at *1. The town in which the facilities were located suspended the operation of all plants, including plaintiff's, and hand-delivered a letter to each plant advising them that must cease operations because the water system was being shut down. Id. The United States District Court for the Eastern District of Pennsylvania held there was no genuine issue of fact that the town's initiatives were "actions of civil authority that prohibited access to the described premises." Id. at *4 (internal quotations omitted).
In Southern Hospitality, plaintiffs managed a number of hotels that were highly dependent on air travel. 393 F.3d at 1138. Following the attacks of September 11, 2001, the Federal Aviation Administration ("FAA") cancelled numerous flights and many airports were closed, causing plaintiffs' profits to decline sharply. Id. The Tenth Circuit Court of Appeals held that the civil authority coverage was not triggered, reasoning that access to plaintiffs' hotels had not been prohibited, but only hindered, because the FAA did not close the hotels and they could still be accessed by other modes of transportation. Id. at 1140-41. Other courts presented with a similar scenario have held the same. See Abner, Herrman & Brock, Inc., 308 F. Supp.2d at 336-37; see also Bienville Partners Ltd. v. Assurance Company of America, No. Civ.A. 02-106, 2002 WL 31996014, at *1 (E.D. La. Sept. 30, 2002).
This case is more like the line of cases presented by Southern Hospitality than Narricot. There is no genuine issue of material fact that at least some of Ski Shawnee's customers were able to access the ski resort via alternate routes on the dates in question. Even though some of the customers, even the majority of the customers, were hindered or dissuaded from frequenting Plaintiff's resort on the weekend that the bridge was being repaired, that does not mean that they were prohibited from accessing the premises. Without a complete inability to access the premises, or a forced closing by a civil authority, the coverage at issue here is not applicable. Thus, coverage was not available in this instance and summary judgment will be granted in favor of Defendant on this count.
2. COUNT II- Unfair Insurance Practices Act
Plaintiff's second claim is brought pursuant to various provisions of the Pennsylvania Unfair Insurance Practice Act ("UIPA"), 40 PA. CONS. STAT. ANN. §1171.1-1171.15, and the Unfair Claims Settlement Practices regulations ("UCSP"), 31 Pa. Code § 146.1-146.10. However, "[t]he UIPA does not create a private cause of action for citizens." Oehlmann v. Metropolitan Life Ins. Co., 644 F. Supp.2d 521, 531 (M.D. Pa. 2007). Instead, "the UIPA and the UCSP are designed to be implemented and enforced by the Insurance Commissioner of Pennsylvania." Id. As such, Plaintiff, as a private citizen, cannot maintain a claim against Defendant on these statutory and regulatory sections, and Defendant's motion will be granted on this count as well.
3. COUNT III- Bad Faith
Finally, Plaintiff brings a claim for bad faith pursuant to 42 PA. CONS. STAT. ANN. § 8371. To succeed on its bad faith claim, Ski Shawnee must prove that 1) the insurer did not have a reasonable basis for denying benefits under the policy, and 2) the insurer knew of or reckless disregarded its lack of a reasonable basis in denying the claim. Oehlmann, 644 F. Supp.2d at 528 (citing Northwestern Mutual Life Ins. Co. V. Babayan, 430 F.3d 121, 137 (3d Cir. 2005)). "If there is a reasonable basis for denying resolution of a claim, even if it is clear that the insurer did not rely on that reason, there cannot, as a matter of law, be bad faith." Williams v. Hartford Cas. Ins. Co., 83 F.Supp.2d 567, 574 (E.D. Pa.2000).
There is no genuine issue of material fact that Defendant had a reasonable basis for denying the resolution of the claim at bar. In fact, this Court has already decided the policy did not include coverage for the loss of profits resulting from the closing of Hollow Road. It was reasonable for Commonwealth to believe that coverage should be denied when there was no direct property damage on the premises, nor was there action by a civil authority prohibiting access to the premises. As such, Plaintiff cannot prove the first prong of the test for bad faith under Pennsylvania law. Therefore, summary judgment will be granted on this claim.
For the foregoing reasons, Defendant's Motion for Summary Judgment is granted. An appropriate Order follows.
A. Richard Caputo United States District Judge
NOW, this 6th day of July 2010, IT IS HEREBY ORDERED that:
(1) Defendant's Motion for Summary Judgment (Doc. 9) is GRANTED.
(2) JUDGMENT IS ENTERED in favor of Defendants.
(3) The Clerk of Court shall mark this case as CLOSED.
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Borda, Juan P. 2016. Self over time: another difference between borderline personality disorder and bipolar disorder. Journal of Evaluation in Clinical Practice, Vol. 22, Issue. 4, p. 603.
Carey, Caitlin E. Agrawal, Arpana Bucholz, Kathleen K. Hartz, Sarah M. Lynskey, Michael T. Nelson, Elliot C. Bierut, Laura J. and Bogdan, Ryan 2016. Associations between Polygenic Risk for Psychiatric Disorders and Substance Involvement. Frontiers in Genetics, Vol. 7,
DiCroce, Marco Preyde, Michèle Flaherty, Sean Waverly, Kelly Karki-Niejadlik, Nicole and Kuczynski, Leon 2016. Therapeutic Engagement of Adolescents with Emotional and Behavioral Disorders. Child and Adolescent Social Work Journal, Vol. 33, Issue. 3, p. 259.
Gururajan, Anand Clarke, Gerard Dinan, Timothy G. and Cryan, John F. 2016. Molecular biomarkers of depression. Neuroscience & Biobehavioral Reviews, Vol. 64, p. 101.
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Klimes-Dougan, Bonnie Kennedy, Kevin P. and Cullen, Kathryn R. 2016. Developmental Psychopathology.
Lopes, Fabiana Leão 2016. Panic Disorder.
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Narusyte, Jurgita Ropponen, Annina Alexanderson, Kristina and Svedberg, Pia 2016. Genetic and Environmental Influences on Disability Pension Due To Mental Diagnoses: Limited Importance of Major Depression, Generalized Anxiety, and Chronic Fatigue. Twin Research and Human Genetics, Vol. 19, Issue. 01, p. 10.
O'Hara, Ruth Jordan, Josh and Hallmayer, Joachim 2016. Encyclopedia of Geropsychology.
Strakowski, Stephen M Fleck, David E Welge, Jeffrey Eliassen, James C Norris, Matthew Durling, Michelle Komoroski, Richard A Chu, Wen-Jang Weber, Wade Dudley, Jonathan A Blom, Thomas J Stover, Amanda Klein, Christina Strawn, Jeffrey R DelBello, Melissa P Lee, Jing-Huei and Adler, Caleb M 2016. fMRI brain activation changes following treatment of a first bipolar manic episode. Bipolar Disorders,
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Costa, Marta Squassina, Alessio Piras, Ignazio Stefano Pisanu, Claudia Congiu, Donatella Niola, Paola Angius, Andrea Chillotti, Caterina Ardau, Raffaella Severino, Giovanni Stochino, Erminia Deidda, Arianna Persico, Antonio M. Alda, Martin and Del Zompo, Maria 2015. Preliminary Transcriptome Analysis in Lymphoblasts from Cluster Headache and Bipolar Disorder Patients Implicates Dysregulation of Circadian and Serotonergic Genes. Journal of Molecular Neuroscience, Vol. 56, Issue. 3, p. 688.
de Baumont, Angelica Maschietto, Mariana Lima, Leandro Carraro, Dirce Maria Olivieri, Eloisa Helena Fiorini, Alex Barreta, Luiz André Nardin Palha, Joana Almeida Belmonte-de-Abreu, Paulo Moreira Filho, Carlos Alberto and Brentani, Helena 2015. Innate immune response is differentially dysregulated between bipolar disease and schizophrenia. Schizophrenia Research, Vol. 161, Issue. 2-3, p. 215.
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Psychiatric conditions in which symptoms arise involuntarily ('diseases') might be assumed to be more heritable than those in which choices are essential (behavioral disorders). We sought to determine whether psychiatric 'diseases' (Alzheimer's disease, schizophrenia, and mood and anxiety disorders) are more heritable than behavioral disorders (substance use disorders and anorexia nervosa).
We reviewed the literature for recent quantitative summaries of heritabilities. When these were unavailable, we calculated weighted mean heritabilities from twin studies meeting modern methological standards.
Heritability summary estimates were as follows: bipolar disorder (85%), schizophrenia (81%), Alzheimer's disease (75%), cocaine use disorder (72%), anorexia nervosa (60%), alcohol dependence (56%), sedative use disorder (51%), cannabis use disorder (48%), panic disorder (43%), stimulant use disorder (40%), major depressive disorder (37%), and generalized anxiety disorder (28%).
No systematic relationship exists between the disease-like character of a psychiatric disorder and its heritability; many behavioral disorders seem to be more heritable than conditions commonly construed as diseases. These results suggest an error in 'common-sense' assumptions about the etiology of psychiatric disorders. That is, among psychiatric disorders, there is no close relationship between the strength of genetic influences and the etiologic importance of volitional processes.
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The Oral-B Precision Black 7000 is in a class of its own. High-end features and a sleek design join forces to bring you an unparalleled experience and superior cleaning vs. a regular manual toothbrush. The power of the handle, coupled with the professionally-inspired brush heads, allow the brushes to oscillate, rotate and pulsate to clean 2X better vs. a regular manual toothbrush.
- 3D cleaning action (pulsates; oscillates and rotates) for 2x better clean vs. a manual toothbrush.
- Rechargeable with 6 customized cleaning modes: Daily Clean Sensitive Whitening Deep Clean Massage and Tongue Cleaner.
- Visible pressure sensor lights up if you are pressing too hard timer indicates dentist-recommended brushing time of 2 minutes.
- 3D cleaning action (pulsates, oscillates and rotates) for 2x better clean vs. a manual toothbrush
- Rechargeable with 6 customized cleaning modes: Daily Clean, Sensitive, Whitening, Deep Clean, Massage and Tongue Cleaner
- Visible pressure sensor lights up if you are pressing too hard, timer indicates dentist-recommended brushing time of 2 minutes
- Includes a SmartGuide for personalized oral care coaching
- Risk-free purchase: Take the 60 day challenge and receive a full refund if you're not 100% satisfied.
- Rechargeable Toothbrush Handle
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It's important to brush gently to promote proper cleaning. The gum care pressure sensor lets you know when you're brushing too hard, which can cause the bristles to bend and wear out quickly, resulting in less than optimal cleaning.
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Discussion in 'iPod touch' started by danbolsom, Oct 11, 2007.
What is an SSH application and where do I get one?
if you're running a Mac, you can just use Terminal for ssh; type 'ssh -l [username] [ip address]'
for more complex stuff like moving around apps, you can use an FTP program like CyberDuck. Note that for the iPoT, you've got to use SFTP.
there are lots of SSH shell apps for Windows, though I don't have enough experience with them to recommend one over another.
what about for windows. what do i use
Separate names with a comma.


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Jetstar Gold Coast Titans head coach John Cartwright has named his side to face South Sydney this weekend at Carrara Stadium. The match kicks off at 7:30pm Saturday night.
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at DotNetNuke.Framework.DefaultPage.OnLoad(EventArgs e) in e:\websites\tvtechnology.com\public_html\Default.aspx.cs:line 791
Sensaphonics Hearing Conservation has announced a change to the cable design of its ProPhonic 2X-S earphones for use with in-ear monitoring systems. The upgraded cable, which is available immediately, is both stronger and more flexible than the original version, promising improved reliability, and is being offered in both matte silver and black finishes. The new cable assembly also features improved strain relief and an easy-grip split adjuster (zipper).
Free ear impressions for the upgraded ProPhonic 2X-S and all Sensaphonics products will be available at the upcoming NAMM show in Anaheim. The Sensaphonics display will be located in Hall A, Booth 6852.
For more information, visit www.sensaphonics.com.
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Telephone & Addresses
(1 - 4 from 24
Heather Cornman (Age: 28)
17404 York PA
Heather A Cornman (Age: 45)
15748 Homer City PA
Heather Kathleen Cornman (Age: 44)
63901 Poplar Bluff MO
Heather Cornman, 36, Sheppard Afb, Orion Ct
View Heather's social profiles and photos on Facebook, MySpace, and +40 Networks.
Yellow Page contacts
Network Profiles
(1 - 4 from 17
Twitter Profile: heather cornman (@heathercornman) | Twitter
The latest Tweets from heather cornman (@heathercornman): "i am bored and just created this!"
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View Heather Cornman's career, season and game-by-game girls basketball stats while attending Central High School.
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Safety Committee presentation on what to do in a power outage, hurricane, or tornado as well as a follow up on fire procedures.
Game Details: Central @ Cassville Girls Basketball 2/23/15
22, Markayla Goss (Sr), 2, 1, 7, 14, 14. 24, N. Hickerson (Sr), 0, 0, 4, 0, 0. 40, Holley Haines (Sr), 0, 0, 1, 0, 0. 42, Heather Cornman (Fr), 2, 1, 1, 100, 100 ...
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View Heather Cornman's business profile as Territory Manager-Pennsylvania at Strawbridge Studios Inc and see work history, affiliations and more.
Heather Cornman | Pennsylvania, United States | Birth Record |...
Heather Cornman is a person located in Pennsylvania, United States. October 12, 1986
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classmates: Heather Cornman
A. B. Greenwell School, Lake Cowichan, BC, 1949-1953
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Branson – Jaslyn Williams 10, Elaina Roeder 9, Heather Cornman 7, Dasia Pence 6, Parker Heman 4, Claire Vienhage 2. Central – Ashley ...
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Age: 45, 210 SPRINGFIELD RD SHIPPENSBURG Ph. 7177767399. HEATHER CORNMAN Age: 43, 231 SPRINGFIELD RD SHIPPENSBURG Ph. 7177764578 ...
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Chocolate Mint Cookies
Total Time
Prep 20 mins
Cook 10 mins
I LOVE CHOCOLATE MINT ANYTHING, so when I saw this recipe, I had to try it. Of course I have not had time to make it, but I wanted to post it so that I would not lose it. If anybody makes them, let me know. I will try this week-end.....
Ingredients Nutrition
- 1 cup flour
- 1⁄2 teaspoon baking soda
- 1⁄2 cup cocoa powder
- 1⁄2 cup brown sugar, firmly packed
- 1⁄3 cup sugar
- 1⁄4 cup butter, softened
- 1⁄4 cup applesauce
- 1 teaspoon vanilla
- 1⁄4 teaspoon mint extract
- 1 large egg white, beaten
- Combine flour, baking soda and cocoa together in a bowl and combine.
- In a separate bowl, combine brown sugar, sugar, butter, applesauce, vanilla, mint extract and egg white. Beat with a hand mixer until well blended.
- Combine flour mix with sugar mix to form dough.
- Roll into a log and cover with plastic wrap.
- Place in freezer for about 1 hour until firm.
- Slice into quarter inch pieces and place on a baking sheet that has been sprayed with baking spray.
- Bake at 350 for about 10 minutes. Cool on wire rack.
Most Helpful
I just finished making these, and they are delicious! I was surprised at how good for you these cookies are while still being good, tasty cookies. My only problem was how messy it was to roll the dough into a log, since it was just so sticky. I think I might just refrigerate the dough in the bowl for a couple hours next time and just flatten the cookies after spooning them onto the baking sheet. Another variation of this would be a teaspoon of cinnamon in place of the mint...
These were great! I'm a really big fan of chewy moist cookies and these sure were that. They have an almost brownie consistency but without the guilt! I will be making these again and again and again...


text:
By: Anonymous on March 25, 2008 - 2:39pm - Add new comment
Riverside makes it 8-5 on a walk, stolen base, ground out and sac fly to center.The bottom four of Riverside's order -- hitting just over .100 coming into the game combined -- are 9-for-14 with five runs scored and four RBIs. Mark Samuelson came into yesterday's game hitting just .098 but is 4-for-4 with three runs scored today.Tech answers the run on a walk and a steal by Rindels, an errant pickoff throw into center by Waite and a one-0out RBI single to center by Willie Rueda.
By: Anonymous on March 25, 2008 - 2:28pm - Add new comment
Owen Brolsma comes in with one out in the top of the seventh and a runner on and gets a strikeout and a groundout.Joey Kenworthy singled to open the bottom of the seventh and goes to second on a groundout by Seefeld. Kieschnick walks, and the pair move up a base on a steal on strike three to Doug Thennis. Ashby can't deliver as he strikes out against reliever Rob Waite, who started the inning, to end the threat.7-5 Riverside going to the eighth and Tech's chances dwindling.gw
By: Anonymous on March 25, 2008 - 1:46pm - Add new comment
Junior Russ Fornea was slated to start today's game but was scratched due to illness. That's 5-6 innings that Tech is sorely lacking right now.After Tech closes to 6-4, Riverside gets a run back on an RBI single by Drew Garcia of reliever Lorenzo Douglas. Riverside has now scored in four of the six innings today.
By: Anonymous on March 25, 2008 - 1:31pm - Add new comment
A two-out double and a walk is enough to chase Kilcrease in the top of the fifth, but Lorenzo Douglas can't hold the Highlanders down as Daniel Pellegrino makes it 6-2 on an RBI single to center.However, Justin Shultz is gunned down between second and third to end the inning.On a side note, the bottom four of Riverside's order today his was a collective 9 for 86 coming into the game (.104 avg.). Today they are 7 for 9 with a walk, a hit batter, five runs scored and four RBIs.
By: Anonymous on March 25, 2008 - 1:08pm - Add new comment
Tech falls further behind as defensive miscues (not errors) allow Riverside to increase its lead.Mark Samuelson begins the fourth with a single and Shultz bunts between the mound and first where nobody could get to the bag quick enough to cover the throw. A double steal in which nobody covered the bags at third and second while Daniel Pellegrino showed bunt moved both runners up a bag.
By: Anonymous on March 25, 2008 - 1:01pm - Add new comment
Reliever Robby Kilcrease sat the Highlanders down in order in the third. Tech had a shot to tie but failed.With two outs, Seefeld doubles past third base. Riverside intentionally walked Roger Kieschnick, and Thennis couldn't answer as Applebee struck him out to end the inning.3-2 Riverside going to the fourth.gw
By: Anonymous on March 25, 2008 - 12:36pm - Add new comment
The Highlanders take the lead in the top of the second, with one run unearned and another given away.A walk and two singles provided the first run -- after Seefeld missed a popup in foul territory behind the bag. After Janca hit Daniel Pellegrino to load teh bases, Carl Uhl plated a run on a fielder's choice to tie the game.Reliever Robby Kilcrease caught Uhl in a rundown, but Justin Shultz took off from third. The throw home from Willie Rueda was in time, but catcher Jeremy Mayo dropped it, allowing Shultz to score the go-ahead run.
By: Anonymous on March 25, 2008 - 12:15pm - Add new comment
Sam Janca gives up a two-out double, but he's left stranded.Tech then gets a two-out rally and scores first. Jason Seefeld reaches on an error by shortstop Trevor Hairgrove and scored on Roger Kieschnick's Big 12-leading 11th home run of the season.
By: Anonymous on March 25, 2008 - 11:44am - Add new comment
A couple of notes as we get ready for the second of two games between Tech and UC-Riverside.Tech starting pitcher Russ Fornea was pulled from the lineup about 45 minutes before first pitch due to illness. Sam Janca (1-0, 2.25 ERA) gets the start instead.He goes up against Riverside right-hander Joe Kelley, who has made just one appearance on the season and that was in relief. He is 0-0 with a 27.00 ERA, having allowed three earned runs on two hits in one inning.
By: Anonymous on March 24, 2008 - 7:34pm - Add new comment
Tanner Rindels scores on a two-out wild pitch by Riverside pitcher Ryan Platt to give Tech a 5-4 win.Taylor Ashby opened the ninth (after Tech closer Zach Stewart was perfect in the top of the inning) with a single. Rindels walked and both moved up on a passed ball.Ashby was thrown out at the plate on a grounder by Willie Rueda, but Rindels advanced to third, Rueda stole second and the second pitch by Platt to Chris Hall went to the backstop, and Rindels slid in safely with the win.Stewart gets his first win of the year to improve to 1-0.
Lubbock Avalanche-Journal ©2016. All Rights Reserved.


text:
Mr. Sanjay Sood
The Devico's Restaurant
05, The Mall, Shimla
Phone : 0177-2806335
Fax : 0177-2807925
Email : firstname.lastname@example.com
: email@example.com
Mr. Sanjay Sood, President HRANI and EC Member FHRAI, is the CEO of The Devicos Restaurant, Shimla, a unit of Ahuja Plastics Limited. After receiving his formal education in Mumbai, he joined his father's business and thereafter, is successfully managing the diverse businesses of real estate, mining, and hotels spread over Mumbai, Shimla and his ancestral town of Renuka.
Mr. Sood has vast experience in the field of hospitality and has been a member of the Managing Committee of HRANI for about two decades.
He has remained Apex Chairman of Art of Living, Himachal Pradesh and President of Rotary Club, Shimla.
Mr. Sood is a philanthropist who provides his contribution to various charities. He is also actively engaged in a number of social organisations.
He is a passionate landscape photographer as well.
Mr. R. N. Kukreja
Managing Director
The First Floor Restaurant
104/58, Sahyog Building, Nehru Place
New Delhi
Phone : 011-26414594 / 26431822
Mobile : +91 9871113565
Email : firstname.lastname@example.com
Mr. R.N. Kukreja, Past President, National Restaurant Association of India (NRAI), is the Managing Director of The First Floor Restaurant, Delhi.
He is a Post Graduate from St. Stephens College and has a Diploma in Hotel Management from Salzburger Hotel Fachschule, Austria. He has an experience of more than 45 years in hospitality industry.
Mr. Amarvir Singh
Hotel Natraj
Clock Tower, Katchery Road
Phone : 0161-2740284
Email : firstname.lastname@example.com
Mr. Amarvir Singh, Vice President HRANI, is the Partner of Hotel Natraj, Ludhiana. He is the President of Ludhiana District Cricket Association and Niteya (N.G.O). He is the General Secretary of Federation of Fruits and Vegetables Commission Agents Association of Punjab.
Mr. Singh is also the General Secretary of Hotel and Restaurant Association of Punjab and Ludhiana. He is Member of Food Craft Institution in Hoshiarpur and Mohali. He is also very actively involved in social welfare of kids.
Mr. Surendra Kumar Jaiswal
Hotel Deep Palace
12/47, Cantt. Road
Lucknow -226001
Phone : 0522-2237247-8
Email : firstname.lastname@example.com
Shri Surendra Kumar Jaiswal, President, Uttar Pradesh Hotel & Restaurant Association (UPHRA), Hony Secretary HRANI & Hony. Jt. Secretary FHRAI has done his Senior Cambridge from St. Francis College & Intermediate from Christ Church College, Lucknow. He has done B.Sc. & LLB from Lucknow University and Hotel Management from Food Craft Institute, Lucknow.
He is the Managing Director of Deep Group of Hotels at Lucknow namely Hotel Deep Palace, Hotel Deep Avadh, Deep Hotel, including Hotel Deep Mayur, Kanpur. The group is coming up with 5 Star Deluxe property "Ramada Plaza" & Budget hotel "Ramada Encore" with International level Convention Centre at Kanpur Road, Lucknow.
The group is also associated with social work through 'Deep Narain Charitable Trust' and 'Deep Public School' at Sarojni Naidu Marg, Lucknow.
Mr. Garish Oberoi
Hotel Uberoi Anand
46, Civil Lines
Bareilly (UP)
Phone : 0581-2570838,39,40,41
Fax : 0581-2576111
Email : email@example.com
Mr. Garish Oberoi, Treasurer HRANI & Vice President FHRAI, is Partner of Hotel Uberoi Anand, Uberoi Anand & Associates and Amber Restaurant, Bareilly. He is the Hony. Secretary of U.P. Hotel & Restaurant Association as well as of Rohilkhand Hotel & Restaurant Association. He is the executive member of Rohilkhand Productivity council and of central U.P. Chamber of Commerce and Industry. He held the post of Vice-President, HRANI for 4 years. He is been Hony. Secretary of HRANI for 2 years. He held the Post of Vice President & treasurer, FHRAI. He is former Director of Chandigarh Industrial & Tourism Corporation Ltd. (CITCO).
Mr. Oberoi is an MBA from IIFT, Eco.(Hon.) Graduate from Delhi university and "A" level from Modern School, Delhi. He began his career in real estate and construction and then turned to hospitality industry for past 25 years. He has been also a special examiner of Hotel Management & Catering Technology at Rohilkhand University and is Asst. Governor of Rotary Bareilly. Also on board of advisors of Carnegie Mellon University's Indian subsidiary, Mr. Oberoi holds important position in several social and educational organization of Bareilly. He is a keen golfer.
Mr. R.D. Anand
Managing Director
Asia Group of Hotels
Hotel Asia Jammu Tawi
Phone : 0191 – 2435757 – 60
Fax : 0191 – 2435756
Email : firstname.lastname@example.com
: firstname.lastname@example.com
Mr. Rattandeep Singh Anand, Hony. Jt. Secretary, HRANI is the Managing Director of Asia Group of Hotels having its hotels under the name & style – Hotel Asia Jammu Tawi, Jammu, Hotel Asia Shripati, Katra & Asia – The Oasis Resort, Patnitop. He is also the Managing Director of M/s Bharat Small Arms Pvt. Ltd., Kathua one of the biggest gun-manufacturing units in the country. He is also one of the partners of Popular Gun Works & Mehtab Armoury leading Gun Manufacturing units in the State. He is the Jt. Managing Director of Anphar Laboratories Pvt. Ltd. which is the only unit manufacturing Basic Drugs & Drugs Intermediates supplying to many Multinationals & exporting to various Countries.
He is the Director of two more Restaurants overseas i.e. Sultan Balti Palace, Wokingham, Berkshire, London & Origin India, Las Vegas, America. Recently, he has opened an Air Conditioned Banquet Hall having all the contemporary facilities under the Name & Style "Anand Farms" at Vijaypur which can Cater 2000 persons at a time. He has also added one more Restaurant with Bar "NH – One Restaurant" on the Jammu - Srinagar National Highway.
On the social front, he is the Member on Board of Guru Nanak Mission Hospital. The Hospital is providing free medical care to all the needy and poor people.
He is also Life Member of Balgran – A Charitable Home for Destitute Children. He is the Executive Committee Member of various prestigious Clubs of Jammu.
He is a widely travelled person, very fond of Golf and is a member of all the prominent Golf Clubs in Jammu.
Mr. Ankit Gupta
Managing Director
Hotel Himani's
Sector-35 C
Phone : 0172-4242222
Email : firstname.lastname@example.com
Mr. Ankit Gupta, is Managing Director of Hotels Himanis, Chandigarh. He is also the President of Chandigarh Hospitality Association and Member of Chandigarh Tourism Advisory Board. A Masters in Hospitality Management from Melbourne Australia, He is an avid traveller and golfer. He also writes occasionally and his views are carried in 'OPED' of leading newspapers
Mr. Luv Malhotra
Joint Managing Director
CHL Limited
Hotel The Suryaa
New Friends Colony, Community Centre
New Delhi
Phone : 011 – 26835070
Fax : 011 – 26837758
Email : email@example.com
Mr. Luv Malhotra is the Joint Managing Director of CHL Limited, which owns the Hotel The Suryaa, New Friends Colony, New Delhi-110025. He was the Immediate Past President of HRANI & held the position of Vice President of FHRAI till the end of September, 2016.
He is also holding the Directorship of Kyjol Projects Private Limited, CHL (South) Hotels Ltd, CHL international (Overseas body corporate incorporated at Tajikistan), Sunkalp Portfolio Investments Private Limited, Malbros Holdings Private Limited. He is also the Vice President of Mataji Melan Devi Society (Regd), a philanthropic Society. He is also a Member in Advisory Board of "Save the Children India", Delhi Chapter.
He is a Post Graduate in Economics from the University of Buckingham, UK. He has worked in various positions and gained a rich experience in the Hospitality sector. He has vast experience of over 17 years in the hospitality sector. He is accredited with institutionalizing all-round excellence with unparalleled level of services, contributing to strategic transformation in the facilities. He is involved in strategic decision making and procuring effective management, business diversification and development of overseas hotels. He is also a member of PHDCCI & FICCI.
Mr. S.M. Shervani
Managing Director
Shervani Hospitalities Ltd.
11, Sunder Nagar
New Delhi 110003
Phone : 01141507400
Fax : 01124351924
Email : email@example.com
Mr. S M Shervani is the Managing Director of Shervani Hospitalities Ltd. He has been in the Hospitality business for the last 30 years and is an alumnus of the Institute of Hotel Management, Pusa, New Delhi.
Apart from managing his business, Mr. Shervani has taken an active part in the hospitality associations for the last 30 years and was the President of Hotel and Restaurant Association of Northern India which represents the nine states of Delhi, Rajasthan, Himachal Pradesh, Punjab, Jammu & Kashmir, Uttarakhand, Chandigarh, Uttar Pradesh and Haryana for two years. Before that he was the President of Uttarakhand Hotel and Restaurant Association also for two years when the state was just formed at its inception.
He has been on the Boards of the Federation of Hotel and Restaurant Association of India (FHRAI) for the last 10 years and was elected as its President in the year 2013.
He is the present Honorary Secretary of the Federation of Associations in Indian Tourism & Hospitality (FAITH) which is a Federation of ten National Associations.
He is presently on the Board of Governors of the Institute of Hotel Management, Pusa, New Delhi.
Mr. Bharat Aggarwal
Managing Director
Mansingh Group of Hotels & Resorts Limited
85 A, Panchkuian Road
New Delhi
Phone : 011-43450000
Fax : 011- 43450055
Email : email@example.com
: email@example.com
Mr. Bharat Aggarwal, Managing Committee Member, HRANI, is a Promoter and Director of Mansingh Hotels & Resorts Ltd. He manages star Category Hotels in Jaipur, Agra & Ajmer under the brand name of Mansingh and 6 screen multiplex cum shopping complex under the brand name of MMX.
He is a Graduate and has an experience of more than 20 years in the field of Hospitality Industry. He has been participating quite regularly in all International Marts and has been responsible to promote India as Destination.
Mr. Rajindera Kumar
Former President FHRAI & HRANI
Working Director
Vivanta by Taj Ambassador
Sujan Singh Park, New Delhi
Phone : (O) 011-66261000
Fax : 011-24618779
Email : firstname.lastname@example.com
Educated at the School of Hotel Administration Cornell University, USA, Mr. Rajindera Kumar joined the Sheraton Hotels in Boston and Philadelphia. He returned to India in 1968 and has since been with the Ambassador Hotel as the Working Director. He is the son of Late Lala Ram Pershad Ji, who was President of FHRAI and HRANI for the longest period.
A keen golfer with a handicap of 12. Mr. Kumar, Former President, FHRAI and HRANI is presently Member Executive FHRAI and HRANI. His experience of over Four decades in the hospitality sector has enabled him to stress on the importance of HRD.
He is the former Director of Haryana Tourism Corporation and Chandigarh Industrial & Tourism Corporation Ltd. (CITCO), Chandigarh. Currently on the Board of Institute of Hotel Management, Faridabad. Institute of Hospitality Management and Catering Technology, Lajpat Nagar, New Delhi and Banarsidas Chandiwala institute of Hotel management and Catering Technology, Kalkaji, New Delhi. He was a Member of Telecom/Telephone Advisory Committee, Delhi (South-1) Deptt. of Telecommunications, Govt. of India and Member of National Committee on Tourism, CII.
Mr. Ajay Agarwal
LMB Hotel
Johari Bazar
Jaipur - 302 003
Phone : (0141) 2565844
Fax : (0141) 2578276
Email : email@example.com
Mr. Ajay Agarwal, Managing Committee Member of HRANI, is running a purely vegetarian Hotel and Restaurant namely LMB, a landmark and pride of 'Pink City' Jaipur (Rajasthan) under the dynamic leadership of his father Shri Radhey Shyam Agarwal. He has been a key member of Hotel & Restaurant Association of Rajasthan (HRAR) from its foundation in 1989 holding various key positions and was President of HRAR from 2005 to 2007.
In addition to the above, Mr Ajay Agarwal has been nominated as the representative of Central Government on the Board of Governors of the Institute of Hotel Management, Catering Technology & Applied Nutrition, Jaipur by Government of India, Ministry of Tourism, New Delhi.
Mr. Arun Dang
Grand Hotel
137, Station Road
Agra Cantt. Agra
Phone : 0562-2227511-14
Fax : 0562-2227510
Email : email@example.com
: email@example.com
Mr. Arun Dang has two hotels in Agra named Grand Hotel & Ranjit Hotel. He is law graduate and elected Seven times as President of Tourism Guild of Agra - an apex of body of hospitality industry of Taj City .
At present, he is a Secretary of Uttar Pradesh Hotel & Restaurant Association (UPHRA) and Chairman of U.P. Chapter of Yuvak Biradari( Bharat) one of the leading youth cultural organisation. He is office bearer of Anter Deshiya Sanskrit Seva Ashram.
Mr. Arun Dang is a notable writer of Hindi and has written number of books including five novels. His several short stories have published in almost all leading Magazines of India. He has also compared many programmes in Delhi Doordarshan and AIR.
Mr. Dang was the key person who created 40 minutes documentary on AGRA named as 'Agra Nama' and Light & Sound show at Agra Fort.
Mr Dang played a vital role to start Taj Mahotsav and he is an organizer of 'BAZAM e GHALIB' - an association which celebrates notable urdu poet GHALIB's birthday at Agra every year.
Mr. Deepak Parihar
Kalinga Hotel
Near Railway Station
Jodhpur, Rajasthan
Phone : 0291-2615870-72
Fax : 0291-2627314
Email : email@example.com
Mr. Deepak Parihar is the Managing Director of Kalinga Hotel Jodhpur. He also owns a Restaurant in England. He has vast experience in the field of hospitality industry.
Mr. Paramjit Singh
Hotel Plaza Bar & Restt.
Old Court Road
Phone : 0181-2225833/ 2225899
Fax : 0181-2234400
Email : firstname.lastname@example.com : email@example.com
Mr. Paramjit Singh, Managing Committee Member, HRANI, is the Proprietor of Hotel Plaza Bar & Restaurant, Jalandhar and Chairman of Hotel & Restaurant Association of Jalandhar. He is the Chief Patron of Hotel & Restaurant Association of Punjab (HRAP). He is the Managing Committee Member of Hotel & Restaurant Association of Northern India from last 14 years.
Mr. Singh is the Charter Member of Joint Action Committee, Medical Tourism, Govt. of Punjab. He is the former Member of the Board of Governors of IHM Society, Mohali & Gurdaspur & Tax Payer Committee, Ministry of Finance, Govt. of India.
Mr. Pawan Aggarwal
A.P. Residency Pvt. Ltd.
3, Police Line Road
Near Telephone Exchange
Ambala City 134 003
Phone : 0171-6535777
Fax : 0171-2556777
Email : firstname.lastname@example.com
A Law Graduate, who diversified from family business of commercial vehicles finance to hotel industry. Presently, he is the managing director of A.P. Residency, Ambala. Being a strenuous personality, he is associated with various social activities. He is a vivacious member of Board of Governor, State Institute of Hotel Management, Panipat. Strong dedication and great work ethics has resulted him growth. His quality professionalism and fervent understanding has helped him to achieve new heights. His dexterity has resulted him to be the Managing Committee member of Hotel and Restaurant Association of Northern India (HRANI) & Member, District Planning Committee, Ambala, Governing Council Member, Federation of Indian Hire Purchase Association (FIHPA) & Addl. Secretary Punjab & Haryana Finance Companies Association. Withal this he is also President, District BasketBall Association, Ambala & District Lawn Tennis Association, Ambala.
Mr. Praveen Sharma
Fair Havens-Nainital
C/o Chevron Hotels & Resorts
D-37, Acharya Niketan, Pocket -I
New Delhi -110091
Phone : 011-22753151
Fax : 011-22754614
Email : firstname.lastname@example.com
Mr. Praveen Sharma, Executive Member of HRANI is a leading hotelier in the State of Uttarakhand with very fine heritage properties which are located in at Nainital, Ranikhet, Kausani, Rishikesh, Corbett & Mukteshwar. He started his hospitality venture with a specific aim of connecting Uttarakhand every 50-60 kms with an Inn, where a weary traveler will find neat accommodation and quality service with food to match. The first of such building was taken up in the year 1995 at Nainital i.e. Fair Havens.
Mr. Sharma is state Convener of INTACH (Indian National Trust for Art and Cultural Heritage) Uttarakhand, Member of Uttarakhand Tourism Development Board (UTDB). He is also Honorary Secretary of Uttarakhand Winter Game Association & Ice Skating Association of Uttarakhand. He is Chairman of Finance Committee of Uttarakhand Olympic Association & PRO Uttarakhand Olympic Association. He has been Hony Jt. Secretary of HRANI for four years ( 2010-14).
Mr. Suresh Kumar
Fortune Park Hotels Ltd (ITC Group)
ITC Green Centre, Plot No. 10
Institutional Area, Sector 32
Phone : 0124-4175235
Email : firstname.lastname@example.com
An Advanced Management Programme degree holder from School of Business-Bond University, Australia and a Science Graduate from Delhi University, Mr. Suresh Kumar joined ITC Hotels Ltd. as a Management Trainee in 1978.
In a career spanning three decades, he has held several managerial positions in ITC Welcomgroup's hotels commencing as General Manager in 1987 at a young age of 29 years. He soon took over as Vice President for the Southern Region of ITC Hotels Ltd. and in April 2005, as VP Operations - ITC Hotels. In October 2006, he took over as President, Fortune Park Hotels Limited, A wholly owned subsidiary of ITC Ltd., thereafter as CEO and now as Managing Director. He also oversees the Welcome Heritage Hotels division.
Currently Fortune Hotels has 74 Alliance Hotels across 57 cities in India, with an inventory of close to 6000 Rooms, of which 46 Hotels are operational across 33 cities in India and balance at various stages of development.
Mr. Kumar has been awarded a number of accolades, including 'The Green Hotelier' award by International Hotels & Restaurants Association (IH&RA) in 1996, 'PATWA International Achiever Award' in 2010 & 2011, 'Hall of Fame' award by Hotelier India in 2015 and more recently, 'Outstanding Contribution to Hospitality Industry' award by Safari India in 2016.
At present he is a Managing Committee Member of Hotel & Restaurant Association of Northern India, Executive Committee Member of Federation of Hotel & Restaurant Associations of India and Hotel Association of India.
Mr. Rakesh Roy
Elchico Hotels & Restaurant (P) Ltd.
24/28, M.G. Marg
Lucky Range, Civil Lines
Allahabad, U.P.
Telefax : 0532-2427695 -96, 2420075
Email : firstname.lastname@example.com
A successful entrepreneur, with vast experience in retail, marketing and hospitality Business. He has a passion for quality and service.
He is the Director of EL Chico Hotels & Restaurants Pvt Ltd. which is one of the most famous Restaurant in Uttar Pradesh.
He is well traveled and served the hospitality industry by being on Managing Committee of Hotel and Restaurant Association of Northern India (HRANI), Uttar Pradesh Hotel & Restaurant Association (UPHRA), National Restaurant Association of India (NRAI) & ROTARY CLUB.
Mr. Pradeep N Singh
Executive Partner
Hotel Pradeep
C 27/153, Jagatganj
Phone : 0542-2207231
Fax : 0542 - 2204898
Email : firstname.lastname@example.com
Pradeep Narayan Singh, President, Banaras Hotel Association is the Executive Partner of Pradeep Hotel and he belongs to royal family of 12th Generation of the Maharaj Varanasi.
He is in hospitality business for over 30 years. He started his hospitality venture by opening a three star property Hotel Pradeep in Varanasi in 1980 and also developed a boutique hotel 'Palace on Ganges' at Assi Ghat in Varanasi. He runs lounges, restaurants, snacks bar at airports in Guwahati, Bagdogra, Raipur and Dibugarh including Varanasi & Lucknow. Hotel Pradeep is doing catering in Air India and Jet Airways from Varanasi and Lucknow. He has also established an International standard flight kitchen near Varanasi Airport by the name of Pradeep Air Caterer (PAC), except the metro cities this type of flight kitchen is nowhere else.
Having passion of promoting tourism and hospitality, he started a Resort 'Palash Kothi' in Umaria District at Bandhavgarh National Tiger Reserve Park, Madhya Pradesh.
He is a Member of Managing Committee of HRANI and Advisor of Varanasi Nagar Udyog Vyapar Mandal and also Member of Heritage Committee of Varanasi nominated by Government of Uttar Pradesh.
Mr. Sanjay Madan
Managing Director
East Bourne Resort
(A unit of East Bourne Hotels Pvt. Ltd.)
Khillini, Shimla-171002, (H.P.) India
Phone : +91-177-6613333, 2623664-69 to 71
Fax : 0177-2623890
Email : firstname.lastname@example.com
: firstname.lastname@example.com
Mr. Sanjay Madan, Member Managing Committee, HRANI and Member FHRAI is the Managing Director of East Bourne Resort ( a unit of East Bourne Hotels Pvt Ltd) & East Bourne Hotel, Club & Banquet Hall ( a unit of Oak Constructions & Properties Pvt Ltd) SHIMLA & Ebourne Holidays ( a unit of Oak Holidays & Resorts India Pvt Ltd), a Travel Company, New Delhi.
Mr. Sanjay Madan has done his B.Com (Honour's) from Punjab University, Chandigarh & his schooling from Bishop Cotton School & St Edwards School, Shimla. He has been in the Hospitality Industry since 1994 and is also in the business of Construction, Interiors & Real Estate ever since. He started his career running Cinema Halls which was the family business. He is now opening chain of hotels/resorts in different destinations in India under his company banner 'EAST BOURNE HOTELS'. He is into business of outdoor catering for Chandigarh Club and Lake Club Chandigarh.
He is a keen Golfer, Cricketer & DJ.
Mr. Vishvapreet Singh Cheema
General Manager
A.B. Hotels Limited
Radisson Blu Plaza Delhi
National Highway – 08
New Delhi – 110037
Phone : 011 2677 9191
Fax : 011 2677 9009
Email : firstname.lastname@example.com
Mr. Vishvapreet Singh Cheema is the General Manager of Radisson Blu Plaza Delhi. He has an overall experience of 19 Years in the Hospitality Sector. He is a 1997 batch Hotel Management Graduate from IHM, Lucknow and also holds a Bachelors Degree in Commerce from IGNOU. He started as a Management Trainee at the Oberoi Centre of Learning & Development (OCLD), New Delhi and holds a 2 years' Hospitality Management Post Graduate Diploma from there.
Thereafter he started his Management career with the Oberoi Group of Hotels and worked at the Trident and The Oberoi Mumbai in the Food and Beverage Department. Subsequently, he joined P&O Cruise lines and was part of the preopening team of their new ship 'Ocean Village'. After 4 years with P&O Cruise Line, he joined Ista Bangalore Hotel as F&B Manager and within three years got promoted to the General Manager of the Property. He moved to Radisson Blu Plaza Delhi in June 2013 as the General Manager. He is instrumental in striving for excellence in service and financial performance leading to strategic changes in the organizational thought process. He has been involved in conceptualization and launch of new food & beverages offerings.
Mr. Naresh Sethi
Managing Director
Hotel Friends Regency
Ferozpur Road
Phone : 0161-2771111
Fax : 0161-2771110
Email : email@example.com
Mr. Naresh Sethi is the Managing Director of Hotel Friends Regency, Ferozpur Road, Ludhiana. He is also the Director of Friends Belcibo Restaurant (FBC).
He has vast experience in the sector of Hospitality and has worked at various positions in the field.
He is currently Member Managing Committee of HRANI. He is also Chairman of Hotel & Restaurant Association of Punjab (HRAP) & Pattern of Hotel & Restaurant Association of Ludhiana (HRAL). He is associated with several NGOs and social Organizations.
Maharaj Kumar Lakshyaraj Singh Mewar
Executive Director
Historic Resorts Hotels Pvt. Ltd.
The Palace, Udaipur 313 001
Rajasthan - India
Phone : +91-294-2423517, 2413730, 2413740
Fax : +91-294-2423493
Email : firstname.lastname@example.com
Lakshyaraj Singh Mewar hails from the lineage of the oldest dynasty in the world. He lives by the values of creating equal and fair opportunities for growth and sustainability. Mentoring young minds is at the core of his beliefs. At HRH group he has been leading innovations in the hospitality industry. His unique management style and hands on approach makes him a very approachable leader. Under his leadership the group has received many prestigious awards, one of them being the Excellence Award bestowed during the National tourism Award function. With his perseverance and dedication Lakshyaraj Singh Mewar is striving towards making Rajasthan among the most coveted destinations in the world.
Lakshyaraj Singh Mewar has completed his schooling from Mayo College, Ajmer, Rajasthan and attended the Blue Mountains International Hotel Management School in Australia. He has also been awarded the Most Promising Young Entrepreneur of the Year 2014 - 2015 in Weddings & Events Industry.
His travel stories inspire him to do more, he is a passionate rider who dreams of a world without boundaries and believes in the idea that one needs to grow through life and not go through life!
Mrs. Deeksha Suri Murti
Executive Director
The Lalit New Delhi
The Lalit Suri Hospitality Group
Bharat Hotels Ltd.
Barakhamba Avenue, Connaught Place
New Delhi
Tel : 011-44447801
Email : email@example.com
Deeksha Suri is the youngest daughter of Mr. Lalit Suri, Founder Chairman and Dr. Jyotsna Suri, Chairperson & Managing Director, The Lalit Suri Hospitality Group. In 2006, she took upon the mantle of an Executive Director and spearheads the Sales, Revenue Management, HR and Internal Audit functions across the 11 operational properties of the Group.
Ms. Suri infuses a fresh perspective to the Group's core management team. She is actively involved in creating and directing a focused and concerted effort across all levels of the organisation towards revenue maximisation, efficiency and crafting an employee value proposition that is representative of the brand promise.
Ms. Suri conceptualised The Lalit Suri Management Academy in 2007, accomplishing the vision of The Group's Founder Chairman, Mr. Lalit Suri, to develop professional managers for the organisation. This year, the academy's 9th batch will graduate, expanding the existing pool of key talent within the group that acts as a catalyst for its continued growth.
Ms. Suri also launched Project Lakshya, an initiative that aims to embed the 'Lalit' DNA in every customer touch point by documenting and constantly improving all front and back office processes to ensure a consistent approach across all properties.
On the academic front, Ms. Suri is an alumnus of the Convent of Jesus & Mary, New Delhi. In 2000, she graduated with a first class Bachelors of Commerce (Honors) degree from the prestigious Hindu College, Delhi University. Furthermore, she is a Post Graduate in Business Management from the London School of Economics. Prior to re-joining the family business in 2006, Ms. Suri gained invaluable experience as a Business Consultant with the HayGroup where she spent over two years worked extensively on strategy and operational issues with leading companies in APAC and EMEA. Besides this, she is a travel enthusiast and maintains a disciplined and challenging personal fitness regime.
Awards and Recognition:
In 2012, Ms. Deeksha Suri was listed amongst the '25 most influential women professionals in India' by India Today Woman
In 2012, Ms Deeksha Suri was recognised amongst 'Top Young and Successful Leaders' by Times of India
In 2007, Ms Deeksha Suri was awarded 'Young Achiever Award' by The Hindu College Old Students Association Distinguished Alumni Award
Mr Vinod Gulati
Managing Director
Gulati Restaurant
A Unit of Gulati Restaurant & Foods Pvt Ltd
6, Pandara Road Market
New Delhi-110003
Phone : 011-23388836-39
Email : firstname.lastname@example.com
Mr Vinod Gulati is the member of managing committee HRANI for 2016-18. He was the executive member of NRAI in the past. He is also the president of Pandara Road Market Association, General Secretary of N.D.M.C. Markets Federation, New Delhi and Vice President of Association of Hospitality Professionals.
Mr. Gulati is commerce graduate from Delhi University. He has been in the hospitality industry since 1975. He is the Managing Director of Gulati Restaurant (A Unit of Gulati Restaurant & Foods Pvt Ltd). He has been the winner of Life Time Restaurateur Award, 2011 by Franchise India.
Gulati Restaurant, serving since 1959, is today, one of the most well-known Restaurants for best varieties of North Indian, Mughlai, Hyderabadi and Tandoori delicacies. Recently, Gulati Restaurant bagged the award for Best Regional Indian Cuisine Standalone Restaurant of the Year, 2016 by Franchise India. It has been a winner of Trip advisor Traveller's Choice Award 2015 and is at No. 8 in Best fine Dining Restaurants –India, 2015. It also bagged the Certificate of Excellence 2014 & 2015 by Trip advisor.
Mr. Pravin Kumar Nigam
Vice President (Corp. Finance)
Jaypee Vasant Continental
(A Division of Jaiprakash Associates Ltd. )
Vasant Vihar, New Delhi
Tel : 011-46072120
Email : firstname.lastname@example.com
Pravin Kumar Nigam, B.Com (Hons.) from Delhi University & qualified Chartered Accountant since 1986.
Pravin Kumar Nigam is seasoned finance professional with more than 33 years of nurturing experience and many credentials to his credit stands as a true epitome of skills and industry knowledge.
In the year 1983, he is started as Accounts Officer with Uptron India Ltd. an enterprise of U.P. Govt. India.
In the year 1993, he took of the position of Asst. General Manager with Dalmia Resorts and look after the finance at properties at Goa and Tirupati. He attained the experience of Hospitality Industry and Time Share Industry.
In the year 1995, he took the position of Finance Controller with Jaypee Hotels Ltd. at New Delhi.
He is promoted to the position of Vice President (Corp. Finance) in 2008.
The prime responsibilities includes Planning of Budgets, Controlling of Expenses, Tax & Legal matters, Secretarial, EDP, & PF Trust for all the units of Jaypee Hotels viz. Jaypee Vasant Continental, New Delhi, Jaypee Siddharth, New Delhi, Jaypee Palace & Convention Hotel, Agra, Jaypee Residency Manor, Mussoorie, Jaypee Golf & SPA Resorts, Greater Noida, Jaypee Golf Course, and Atlantis the Club – Sports Club at Greater Noida.
Mr. Vikas Malhotra
Managing Director
The Landmark Hotel
10, The Mall
Tel : 0512 -2305305
Email : firstname.lastname@example.com
Mr. Vikas Malhotra, Managing Committee Member of HRANi, is the Managing Director of the only 5 star hotel in Kanpur, The Landmark Towers. He started his career with the first fast food restaurant in Kanpur 25 years ago, and today owns the prestigious Status Club, under which he operates 10 banquet venus and 6 restaurants. Starting his entrepreneurship career in the hospitality industry right after his MBA from IIM Calcutta at the age of 24, he opened the city's first fast food joint, the first fine dining restaurant, moving on to opening the city's first night club and now running the only 5 star hotel in Kanpur. He has played in pivotal role in revolutionizing the hospitality industry in Kanpur and is also involved in charitable ventures across the state.
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Any unauthorized duplication of this site is strictly prohibited and liable to prosecution
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Web based employee time tracking solution with features such as invoicing, expense tracking, and project cost management. We cater for small and medium corporate clients along with providing enterprise solutions to banks, insurance, IT, utility, logistics and telecom companies. With Flapps you have the most customizable software at your fingertips that molds to fit your specific needs. Available for free on iOS and Android.
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Crown Bird Gameplay Tips and Strategies
- App name: Crown Bird
- Developer: Quantum Hi-technology
- Genre: Arcade
- Release: Apr 5, 2014
Let's play Crown Bird on iOS. In this part of the walkthrough, you will learn more tips and tricks while playing the Crown Bird game on the iPhone.
Gameplay Walkthrough
This page contains Crown Bird video walkthroughs for iOS (iPhone/iPad) called "lets play - first time" and has been uploaded on Admin official channel at Apr 8, 2014.
Still need help with this level? Here you can ask questions and discuss with other Crown Bird users.
Hit like if this helped you!
Stuck on some levels in Crown Bird? This walkthrough can help you finish the game.


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Retired after 30+ years in the oil industry. Manage my own portfolio. Coach soccer and teach science, history, and math to middle school kids in my spare time.
No information available
Basic Boomer slugging toward retirement. Pharmacist, PMP, Clinical Software Consultant
just walking up and down the hill
Brian has extensive experience in research, writing and editing in the medical area. He is an author on multiple scientific papers. He greatly enjoys designing and running clinical translational projects. Brian graduated magna cum laude with a B.S. in Physiology and Neurobiology from the University of Maryland. He is currently an MD/PhD student in Integrative Biology and Disease at the University of Southern California, performing exercise physiology research. As part of his achievements, he is first author on 2 oral presentations at national conferences, Experimental Biology and American College of Sports Medicine, and published over 5 poster presentations including USC/Caltech and American Physician Scientist Association along with 3 publications with more in preparation. Brian greatly enjoys writing on all things and sharing his viewpoints on the latest tech and science.
No information available
We are a tax consulting and company formation firm located offshore in the sunny, tax free Bahamas since 1990. I've formed over 1,030 Bahamian IBCs and 360 Anguilla IBCs since 1990.
◾Anguilla is a UK overseas territory with same tax status as Cayman Islands.
◾All the money and technology to create their offshore registration services came out of London.
◾Anguilla was one of the very first tax havens that adopted an online registry service.
◾QEII is the head of State.
◾Got questions? email email@example.com
The Caribbean tax havens have grown to rival New York and London as a place to hold family assets, and the US FET is one reason why there are so many offshore companies there.
480,000 IBCs in BVI;
100,000 "exempt companies" in Cayman;
45,000 IBCs in the Bahamas;
30,000 cos in Bermuda
25,000 IBCs in Anguilla
None of the Caribbean (tax) havens levy an estate tax.
Nobody is much interested in tax avoidance any more, so I'm posting Tom's Fishing Gallary pictures instead http://bahamasbahamas.com/images/gallery.html
Personal info here https://www.linkedin.com/profile/preview?locale=en_US&trk=prof-0-sb-preview-primary-button
and PFIC / FATCA info for planners https://www.linkedin.com/pulse/new-irs-form-8938-created-fatca-2010-can-filing-avoided-tax-havens?trk=prof-post
JPMorgan/Chase writes on U.S. Estate taxation: "Because stock of a foreign corporation (in a no tax haven) is not subject to U.S. estate tax, holding U.S. situs assets through a foreign corporation constitutes a planning opportunity." http://www.jpmfinancialservices.com/images/PDFs/EstateTaxation.pdf
I have been an active investor from past couple of years. My main focus is on high-yield stocks. I have a portion of my portfolio allocated to short-term trading.
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No information available
No information available
No information available
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No information available
Focusing on the current market trend is the best way to make money.
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