text:
|Recent Threads
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|Question about Heatseek Missile System console stand
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|The 487th Greatest G.I. Joe Character of all Time!
|The New Super Articulated Figure.
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|Last post! Remainder of collection 50% off!!! See below
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|Stillagijoefan BST
|Fs/ft: Vintage arah joe sale & wants (figure, parts,...


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Working With the Law
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subset: commoncrawl


text:
Calling it another milestone in putting an accounting and management scandal behind it, mortgage repurchaser Freddie Mac said Thursday it had reached a $50 million settlement with government regulators over the company's restatement of three years of earnings. In the settlement with the Securities and Exchange Commission, Freddie Mac neither admitted nor denied allegations that the company violated federal securities law by deceiving investors about ups and downs in the company's earnings. The SEC's complaint charged that senior managers, in order to project a "Steady Freddie" corporate image of smooth growth in earnings, encouraged accounting practices that smoothed out volatility in net income reported for 2000, 2001 and 2002. In order to conceal earnings volatility, the SEC alleged, ne...
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Scott & BaileyEpisode Guide »
In the first of a two-part story, the badly burned body of a disabled man turns up in a remote part of Manchester and a few days later another corpse is discovered. The detectives start to realise the victims were not just murdered, but tortured too. They make an arrest, but it becomes clear their investigation has just scratched the surface. Meanwhile, Janet throws her husband out and Rachel's estranged brother turns up on her doorstep.
CommentsShare your thoughts, questions, and comments on "Scott & Bailey" here.
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Cheating! I will never never recommend their service to anyone. Here is our story: My wife had contacted them, shared all our rooms (like Living room, 2-Bed room, Kitchen etc. Information), even shared the total number of boxes used during our last move which was some 1.5 Years before, and got an estimate of $700.00 -- 800.00; Well, the day the Movers came, inspected the whole house, confirmed and verbally shows they are with the estimate of 700 / 800 expense; Well, the final amount they charged: $1437.00!!!! After spending some half-hr. over the ph., finally reduced to $1300.00!! We moved local, if that amount or even anything near was shared, I could have done myself as much as we could!! Never use their service, I burnt my fingers
You Move Me Milwaukee
( 1.0 overall, based on 1 review)
7320 W Florist Ave, Suite C
Milwaukee, WI 52218
Milwaukee, WI 52218
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Your favorite Milwaukee movers
We know that moving in Milwaukee is a stressful, daunting task, and one you shouldn't have to tackle alone.
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- In state
- Full-Service Move
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Cheatingby subrata m.


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Five companies have won two-year contracts worth up to $252.5 million combined for retail electricity and ancillary/incidental services to various U.S. federal departments and military branches. The Defense Logistics Agency's energy organization received eight offers for the contracts through a competitive procurement and the winning suppliers will perform work through Dec. 31, 2018, the Defense …Read More »
AECOM Names Mark Whitney COO of Nuclear & Environment Unit; John Vollmer Comments
AECOM (NYSE: ACM) has named Mark Whitney, formerly principal deputy assistant secretary for the Energy Department's office of environmental management, as chief operating officer of the company's nuclear and environment strategic business unit. Whitney is a nuclear energy and environmental industry veteran and member of the Senior Executive Service who has held various positions …Read More »
Unisys to Help OCC Adopt Cloud Email Services; Casey Coleman Comments
The Office of the Comptroller of the Currency has awarded Unisys (NYSE: UIS) a potential five-year, $11.2 million contract to move approximately 4,000 OCC employees to a cloud-based email platform. Unisys said Thursday it will provide analysis, design, transition planning and development services intended to facilitate OCC's enterprise-wide cloud migration effort. Casey Coleman, vice president of Unisys' federal …Read More »
Fluor-Led Team to Continue Operations Support for DOE Savannah River Site
TYSONS CORNER, VA, Aug. 10, 2016 — The Energy Department has awarded a team comprised of Fluor (NYSE: FLR), Honeywell (NYSE: HON) and SN3 Stoller Newport News Nuclear a 22-month contract extension to continue operations support for the Savannah River Site in South Carolina, ExecutiveBiz reported Tuesday. Fluor said Monday DOE exercised an option under a …Read More »
Dell, FBI Vet John McClurg Joins Cylance in Security & Trust VP Post; Stuart McClure Comments
John McClurg, former vice president and chief security officer at Dell's global security unit and an FBI veteran, has joined cyber services provider Cylance as a VP in the office of security and trust. Cylance said Friday McClurg will collaborate with newly-appointed Chief Security and Trust Officer Malcolm Harkins to develop security …Read More »
Todd Wright Appointed AECOM Nuclear & Environment Strategic Unit GM, EVP
Todd Wright, formerly executive vice president for operations at AECOM's (NYSE: ACM) nuclear and environment strategic business unit, has been named general manager and EVP of the business unit. Wright will be in charge of the unit's business development, strategic programs and daily operations, AECOM said Wednesday. The 35-year nuclear industry …Read More »
Former Virgin Galactic President Steve Isakowitz Appointed President of Aerospace Corp.
Steve Isakowitz, formerly Virgin Galactic president, will join The Aerospace Corporation as its new president on Aug. 1 and assume the added role of CEO when current CEO Wanda Austin retires in October. Aerospace said Tuesday the board of trustees and its selection committee, led by former U.S. Air Force Secretary Michael Donley, elected Isakowitz as part of …Read More »
HII Names Michael Lempke VP of Newport News Shipbuilding's Energy Programs
Huntington Ingalls Industries (NYSE: HII) has named Michael Lempke, previous Systems, Planning and Analysis vice president of integrated strategic decision support, as vice president of the Newport News Shipbuilding division's energy programs. Lempke will succeed Pete Diakun, who will retire at the end of 2016, and oversee the shipyard's energy programs strategy, HII said …Read More »
CenturyLink Joins DOE's Better Buildings Challenge as Program Partner
TYSONS CORNER, VA, June 2, 2016 — CenturyLink (NYSE: CTL) has entered into a partnership with the Energy Department to cut back the company's energy consumption across its data centers in support of the Better Buildings Challenge, ExecutiveBiz reported Wednesday. The company said Wednesday it will work to support efforts to reduce energy …Read More »
Report: NNSA's Follow-on $3B Sandia Labs Support Program Draws 15 Firms, 4 Universities
Fifteen companies and four universities have shown interest in pursuing a potential 10-year, $2.9 billion contract for management services at the National Nuclear Security Administration's Sandia National Laboratories, the Albuquerque Journal reported May 18. Michael Coleman writes that Lockheed Martin (NYSE: LMT) subsidiary Sandia Corp.'s current SNL support contract with NNSA is scheduled to expire April 2017. …Read More »


text:
- Product Description
- Additional Information
- Product Reviews
- Customer Questions
- Comfort Exchange & Returns
- This certified organic latex rubber mattress is ideal for sufferers of hay fever, asthma, or upper respiratory breathing difficulties
- 6" supporting core made from certified organic natural rubber
- Perfect for those looking for medium-firm to firm support with a softer feel on top
- 1/2" layer of medium-soft certified organic natural rubber sewn into the quilting on one side for unique "cushion quilting" feel; other side is like our regular Euro organic mattress, so sleepers can choose either side
- Covered on all sides with our durable, double-stitched quilted cover of GOTS-certified organic wool and cotton
- Finished mattress certified to GOLS (the Global Organic Latex Standard) by Control Union
- Provides an almost motion-free organic sleeping experience
- Available in three densities: Medium, medium-firm, and firm
- Will not develop a significant body impression
- Needs to be turned and rotated only once or twice per year
- Mold-, mildew-, and dust-mite resistant
- Metal-free
- Suitable for use on adjustable bed frame
- Depth: Approximately 7"
- Handmade in the USA
- 90-Day Comfort Exchange on organic mattresses
- 20-year limited warranty, and meets the GREENGUARD® product emission standard
Eastern King (76x80") • Cal King (72x84")
Give us a call at 1-800-284-4983 so one of our friendly Product Specialists can recommend just the right organic mattress and firmness for you.
Shipping charges are based on level of service and location. We will call with a quote before your order is processed.
Click on an icon for more information about our independent third-party certifications:
The best mattress in my house! Review by Andy
Rate Item
I LOVE this mattress! We bought one of these a couple years ago and everyone in our family loves it! We all want one of our own now! It is not soft and squishy, like some mattresses, but we got a medium/firm and I love it! I think it is just firm enough without being hard. I'm very sensitive to smells and chemicals (can't stand the smell of department store mattresses) and I don't notice anything at all from this mattress. This mattress was expensive, but on sale it wasn't much worse than a popular latex brand that starts with a "T" and this is MUCH more comfortable and doesn't stink like crazy (trust me, I suffered with one in the house for a few miserable years.) I'm so happy with this mattress! Now I just have to save up to buy one for every member of the family! (Posted on 10/10/16)
disappointed Review by Lin
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After a month of having this mattress, I can still smell a rubber smell. I was hoping there would be no smell by now. It is a very well made mattress for sure. I got the medium firm, and it feels super firm. Almost too hard. I would have got soft/medium, If I had known this. So I spent a lot of money on a mattress that was a real disappointment. Not enjoying it at all. (Posted on 7/25/16)
back pain gone Review by Meg
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My lower back pain is gone. Mind you my old mattress was 15 years old and I would wake up sunken into it ;) The Euro is extremely comfortable. I feel so much better about not breathing in toxins while I sleep. I am thrilled with my purchase. Thank you for all the outstanding customer support. (Posted on 11/1/15)
LOVE it! Review by DAVID
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Got matt yesterday, arrived in great condition & LOVE it! (Posted on 4/22/15)
Love My Euro Review by Sylvia
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I have had my Euro mattress for almost 10 years now. It is the raddest. (Posted on 12/17/13)
Write Your Own Review
Is this mattress treated with synthetic fire retardants? Are your mattresses toxin free?
The only flame retardant we use in our mattresses is wool! All of our mattresses are certified organic according to the GOLS and GOTS standards, but to further ensure that you are receiving a product that is free of toxins, our mattresses are also Greenguard certified (which tests for the presence of harmful subtances). You can read more about this on our certifications page: https://www.lifekind.com/organic-certifications.
How much does this mattress weigh? We are looking for a Queen that will be used in a murphy bed and have a weight requirement. Thank you!
Medium: 112 lbs.
Medium-firm: 115 lbs.
Firm: 133 lbs.
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Pure Certified Organic Wool Pillow
From $115.00


text:
Hurry, less than 10!
In this collection of films, home movies are used to show how everyday life in the UK has changed since WW2. Changes in daily life, work, the home, leisure, travel and technology are all recorded. We also meet Lisa, who explores the changes since the 1950's through stories told to her by her grandmother. 10 x 15 minute programmes.


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Hhgregg vs Menards
Start a new comparison
HhgreggAppliances and Electronics
Customers like
- Nice salesman 11
- Good product 4
- Refrigerator 4
- Appliances 3
- Sales person 3
Customers don't like
- Customer service35
- Do not care about problem23
- Still no resolution12
- Customer services8
- Warranty7
Products by Hhgregg
No items
MenardsSupermarkets and Malls
Customers like
- Prices 6
- Generally favorable shopping 5
- Vast inventory selections 5
- Service 4
- Total store 3
Customers don't like
- Poor customer service29
- Refund policy15
- Rude manager11
- Customer service9
- Service7
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text:
- Health Needs for Bi Men
- Prostate Cancer Registry Helps Black Men
- Quick Start to Healthy Weight Loss
- 'Really, Really Messed Up My Life'
- Black Men Can Beat Prostate Cancer
- Health Screenings for Older Black Men
- Healthy Man of the Month for July 2016
- HIV Testing is HIV Prevention
- Your 'Mental' Endurance
- Entertainment CEO DonJuan Clark
Prison Health
People in U.S. jails and prisons are at increased risk for exposure to violence, sexual assault, HIV and other sexually transmitted infections as well as the flu. While it's commonly acknowledged that inamtes around the country at higher risk of infection, most did not get the H1N1 vaccine in 2009-2010. Does it matter? Do you care? Here's why you should.
"Although most jail entrants are healthy men, jail populations can include those in the highest risk categories for influenza."
Health officials from the state and federal levels recognzie the majority of inmates today will eventually be released and while behavioral rehabilitation may not always be in the budget, it's a bad idea to have an epidemic of chronically ill prisoners. Germs don't typically stay behind prison walls.
A report published in the Centers for Disease Control and Prevention Morbidity and Mortality Weekly Report said 55% of U.S. jails did not receive any H1N1 vaccine in 2009-2010 and thus were excluded from the national vaccine campaign.
"Including both jail and prison inmates in emergency preparedness efforts, especially vaccination campaigns, is important for the health of communities overall," the report said.
Because African American men are disproportionately incarcerated around the country, this is a major health issue that exacerbates existing health disparities, and therefore a crisis for black families. Afterall, black men in prison eventually will be released.


text:
New Balance
Are you working out in style? Get kitted out with a New Balance voucher to spend online at www.newbalance.com.au
Bupa Optical
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Garmin vivofit™
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47,612pages onAdd New Page
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Iman is a Redguard trainee found at Leki's Blade.
Master of Leki's BladeEdit


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Jumeirah Al Qasr at Madinat Jumeirah
Jumeirah Beach Road, Madinat Jumeirah Resort, Al Sufouh PO Box 75157, Dubai, United Arab Emirates Show Map
Check in from 3:00 PM / Check out prior to 12:00 AM
Jumeirah Al Qasr at Madinat Jumeirah: Find photos, reviews, information, amenities and compare prices for 5 stars hotels in Dubai, United Arab Emirates.
Set in Dubai, Jumeirah Al Qasr at Madinat Jumeirah is a short walk from Souk Madinat Jumeirah and features outdoor tennis courts, a private beach and a sauna. Some of the popular facilities at this modern 5-star hotel include an indoor pool and a free shuttle service.
Hotel description
Equipped to ensure a comfortable stay, rooms at Jumeirah Al Qasr at Madinat Jumeirah have a kitchenette, a mini bar and a spa bath. They have a private bathroom with slippers, bathrobes and a hair dryer.
The area around Jumeirah Al Qasr at Madinat Jumeirah has a range of cafés and restaurants. The friendly staff at the tour desk are available to book and organise activities in Dubai.
Hotel features
Room Service, Air Conditioned, Non-Smoking Rooms, Mini Bar, Cable / Satellite TV, In Room Movies, Coffee / Tea Maker, Hair Dryer, TV, CD Player, DVD Player, En suite, Private Bathroom
Business Center, Concierge, Elevator / Lift, 24 Hour Reception, Dry Cleaning, Babysitting / Child Services, Conference Room(s), Currency Exchange, Multilingual Staff, Safe-Deposit Box, ATM / Cash Machine, Wake-up Service, Meeting Rooms, Laundry service, Shops, Photocopier, Luggage Storage, Shops in Hotel, Self Laundry
Fitness Room/Gym, Swimming pool, Tour Desk, Massage / Beauty Centre, Tennis Courts, Golf Course, Sauna, Garden, Scuba Diving, Water Activities, Playground, Volleyball, Massage, Spa & Wellness Centre, Pool Indoor
Internet Connection (wireless)
Airport shuttle, Valet Parking
Private beach, Squash Courts, Windsurfing, Nightclubs, Canoeing, Salon, Bathrobes, Private Toilet, Child Pool, Kids Club, Games Available, Executive Floor, Souvenirs/Gift Shop, Shoe Shine
Availability and Prices
Booking Site
Room Type
Per room
Per night
Per night
Users who viewed Jumeirah Al Qasr at Madinat Jumeirah also viewed these 5 stars Dubai hotels:
Le Meridien Dubai
Airport Road, Dubai
Airport Road, Dubai
Oceana Atlantic
Palm Jumeirah, Dubai
Palm Jumeirah, Dubai
Grand Hyatt Dubai
PO Box 7978, Dubai
PO Box 7978, Dubai
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121 reviews
Nearest hotels
- Jumeirah Dar Al Masyaf at Madinat Jumeirah
0.1 miles
- Apartamentos Elite Concepts
0.2 miles
- Jumeirah Mina A' Salam at Madinat Jumeirah
0.3 miles


text:
Polaris Optics PT-125001 706695920103
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Polaris Optics Explorer High Powered 12X50 Monocular - Bright and Clear - Single Hand Focus - Waterproof, Fogproof - For Bird Watching, or Wildlife - Tripod For Hands Free Viewing - Daytime Use
Buy Now
About this Item
Available stock:2
Guarantee: Paypal Buyer Protection
Location: New York,NY
Returns: Accepted
Condition: New
Returns: Accepted
Condition: New
About the Seller
Feedback: 386 reviews
Item Description
Binding: Electronics
- 12X50 MAGNIFICATION - See things 12X closer and Get Clearer and Brighter range of view with 50mm lens - The most powerful hand held monocular available in the market today, that also provides the most pleasant and clear view.
- DURABLE EXTERNAL ARMOR AND TRIPOD - Provides a secure, non-slip grip, and durable external protection, and tripod stand for hands-free steady viewing.
- WATERPROOF AND FOGPROOF - Prevents moisture, dust, and debris from getting inside the monocular - designed to inhibit internal fogging. Great for any weather and any environment.
- THE BRIGHTEST AND CLEAREST VIEW OF ANY MONOCULAR ON THE MARKET TODAY - Allows you to get the best view possible for bird watching, watching wildlife or scenery
Label: Polaris Optics
Manufacturer: Polaris Optics
Model: PE12501
Part Number: PT-125001
Publisher: Polaris Optics
Studio: Polaris Optics


text:
Reviews - Aparthotel Buenos Aires- Apartment2
Avenida Alfereces Provicionales 27, San Bartolome de Tirajana, 35100
Price FromView Rooms
Customer Reviews
Our reviews are from genuine LateRooms.com customers. We verify that the customer has stayed before leaving a review.
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. Comprehensive history and examination performed. 99205 This history and examination were comprehensive and dealt with several body systems, so 99205 is the better E/M code to use. 30-year-old patient presents complaining of flu-like symptoms characterized by unremitting cough, sinus pain, and thick nasal discharge. Examination reveals bronchitis and sinus infection. Patient is prescribed a five-day course of Zithromax. 99202 The case does not distinguish whether the patient was a new or an established patient. Without this knowledge, I would use the code 99202. Established patient on Lithium presents for routine blood work to monitor therapeutic levels and kidney function. Nurse reviews the results and advises the patient that tests are normal and no change in dosage is indicated. 99211 This patient is an existing patient with an established history, so 99211 is the proper E/M code to use. 62-year-old diabetic female presents for check-up and dressing change of wound on left foot. Examination reveals that the wound is healing. Nurse applied new dressing and patient will return for check-up in one week. 99212 I have selected 99212 because the patient has diabetes and is there for a routine check-up and dressing change. Because the wound is healing and the patient will return for another check-up, 99212 is the best E/M code. A mother brings in her six-month-old male child for routine wellness check. Examination reveals the child to be in good health and making adequate progress. 99215 This is a routine wellness check, which is an extensive visit to ensure the baby is doing well and continues developing on schedule.
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Sausages Pomodonia
|Bacon rashers
|1 Tablespoon (Use About A Knob)
|4 Large
|Pork sausages
|1 Pound
|Bay leaf
|Frozen peas
|10 Ounce (1 Packet)
1. Remove the rinds from bacon and dice it. This can be done easily with kitchen scissors.
2. Wash and skin tomatoes. Cut it into small pieces.
3. In a pan, take little boiling water. Add salt to it and cook frozen peas in it.
4. Drain the water and keep the peas aside.
5. In a frying pan, heat a knob of lard.
6. Add bacon and sausages and fry it until bacon is crisp and sausages are golden brown.
7. Add bay leaf and tomatoes.
8. Cook it on a low flame until the tomatoes become soft.
9. To serve Sausages Pomodonia, in a dish, pour tomato and bacon sauce. Add sausages. Drain and serve the peas separately.
Recipe Summary
Rate It
Nutrition Rank
Nutrition Facts
Serving size
Calories 499 Calories from Fat 326
% Daily Value*
Total Fat 36 g55.8%
Saturated Fat 14.2 g70.9%
Trans Fat 0 g
Cholesterol 109 mg36.3%
Sodium 649.4 mg27.1%
Total Carbohydrates 21 g6.8%
Dietary Fiber 6.6 g26.3%
Sugars 10 g
Protein 24 g48.4%
Vitamin A 65.6% Vitamin C 66%
Calcium 8.2% Iron 16.6%
*Based on a 2000 Calorie diet


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Krishna Mehta
VERB BY Pallavi Singhee
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Black velvet bandhgala
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Black bandhgala with panelled collar
Black bandhgala with oyester shell buttons
We accept Net Banking, all major Credit cards, Debit cards, and Cash cards. We also offer Cash on Delivery.
©2016 Aza Fashions


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Hang Seng Bank Ltd
We seek high-calibre individuals to help us expand our business in a dynamic market. This is an excellent opportunity to join a winning team and develop your career through contributing to the success of the Bank.
Assistant Administration & Operations Control Manager (Risk Management and Service Quality)
jobsDB Ref. JHK100003004916046
Channels Management - Customer Contact Centre
Hang Seng's Customer Contact Centre has been ranked one of the best phone banking service providers for consecutive years. Our team strives to provide professional services for a wide range of banking products to address customers' different services and financial needs.
We are currently seeking high caliber professionals to join our Administration & Operations Control Section as Assistant Administration & Operations Control Manager (Risk Management and Service Quality).
Principal responsibilities
Implement Global Standards and risk management initiatives to mitigate the operational risks
Carry out process review to identify process improvement opportunities and monitor improvement progress so as to improve operational efficiency and eliminate process risks
Perform review and analysis on service quality, and assist in implementing initiatives for continuous improvement
Keep abreast of the latest compliance requirements of the Group, Bank and regulatory authorities, initiate necessary procedural and system changes, as well as update the guidelines and procedure manuals as appropriate
Assist in project works related to process streamlining, staff engagement, workforce management, system testing & implementation, training admin and co-ordination, etc.
- University degree in related discipline OR other relevant qualifications preferred
- Minimum 2 years relevant experience in banking industry, with exposure to call centre operations an advantage
- Strong self-motivation, with good analytical, communication & presentation skills
- Good knowledge of computer applications including MS Excel and PowerPoint
- Great Sense of ownership and servicing mindset to ensure efficient and effective customer service processes
To apply, please read carefully the 'Note on Collection of Personal Data and Information' available in the careers page of our Hang Seng website : www.hangseng.com and send your by clicking "Apply Now" for our processing. You can also visit our website for further details about career opportunities with the Bank. Applicants who are not contacted within one month may consider their applications unsuccessful.
All information provided by applicants will be used only for recruitment purposes and will be used strictly in accordance with the Bank's personal data policies, a copy of which may be obtained by the applicant upon request. Unless otherwise instructed in writing by the applicant concerned, applicants may be considered for other suitable positions within the Bank and its related companies. The personal data of unsuccessful job applicants may be retained for a maximum of three years from the date when the job application is rejected and such data may be retained for a longer period if there is a subsisting reason that obliges the Bank to do so, after which the personal data will be destroyed.


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Having the top overall pick in the Draft can be an exciting time for any organization, so exciting, that even Hollywood has made a movie about this proposition, that is coming out April 11 almost one month to the day before the draft appropriately titled Draft Day.
The team holding the top selection has a chance to change the direction of the organization by controling their own destiny and getting the guy they really want and not just saying that after the fact.
It's the difference between settling for Rick Mirer and Ryan Leaf when Drew Bledsoe and Peyton Manning were on the board.
This list will be some of the biggest blunders with the top pick in hand, the performance being the key factor, what they could have drafted will be considered and (spoiler alert!) if any trades altered the pick and how each team made out.
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Who's Got Talent? Skilled Labor and the Location Decision
While immediate financial concerns may cause companies to shift focus, skilled labor still drives long-term success.
June/July 09
Sometimes the skills required either do not exist in sufficient number or are so novel that the talent base must be either enhanced or created wholesale. While the initial talent base can be identified from the local and regional pool, additional education or training programs must be created either within or outside of the company to fulfill the need.
Local and regional colleges meet this need on one level. Universities can produce a steady stream of graduates with finance, MBA, computer science, medicine, nursing, and other basic skills bases. These are key building blocks for 21st century jobs. Likewise, some industries can produce talent that can be adapted to other uses. For example, precision manufacturing for automotive uses may be adapted to medical devices. Chemicals technicians make for great pharmaceutical production professionals.
In addition, developing the local labor market is an ideal role for state and regional incentives. The best of all incentive packages are those that invest in both the long-term success of the company and the community. They are not zero-sum games but are instead practical tools for building a partnership between business and the public sector. Flexible, well-run industrial and occupational training programs explicitly fit these roles by training local citizens (also known as taxpayers and voters) to fill jobs for which a company has declared a need. The match between supply and demand is explicit. Even if more applicants receive training than eventually find positions with the company, the exercise raises the overall skills base for the community, making it a better target for further business attraction.
Can We Attract It?
Some skills are simply so specialized and so rare that companies enter the expansion and location strategy exercise with the explicit knowledge that no individual market will be able to satisfy their needs for talent. In these cases, they must be prepared to recruit this talent from a larger regional, national, and even global talent base. Certainly, locations with a significant cluster of existing skills and the programs to adapt them provide stronger starting points. But other locations - which perform better across the broader range of strategic need - can still attract a highly skilled labor force. Quality of life becomes a strategic concern in such cases.
A measure usually reserved for headquarters functions or those where a cadre of corporate officials are to be relocated, quality of life remains one of the most difficult concepts to define in location strategy, largely due to subjectivity. What may make for a great place to live for one family may not work for all. For example, consistent 80°F sunny weather, away from crowds, etc. might represent pure misery for a family that enjoys four seasons, snow, and the excitement of the city.
Still, successful companies do impact their ability to bring talent to their location through the quality of their own workplace as well as the quality of the communities in which they choose to do business. Such companies inherently understand their employees' needs and values and assimilate these into their location strategies.
Implications for Economic Development
While each of these is a key question for any company making a strategic location decision, local communities may not ever hear the question directly. Companies typically perform several rounds of screening and candidate elimination before contacting those communities in the "beauty contest." Once a company reaches this threshold, questions more often revolve around the availability of specific sites, infrastructure, and the tactical costs of operation.
Nonetheless, those communities that think about the types of industry they have now - and those they want to attract - benefit from taking an inward look at their own talent pools: those they can produce, and those they can bring to the area. Any downward disparity at best represents a competitive disadvantage. At worst, it represents a risk for losing business activity.
On the other hand, rich mines of definable talent can be fantastic attractors for business. Communities should take the time to understand the resources at their disposal and make sure that word reaches the willing ears of those looking for the right location.
Christopher Steele is President of CWS Consulting Group, a business consulting firm specializing in location strategy, site selection, and industrial development. He previously served as President, Real Estate Line of Business at TranSystems and as a Senior Manager in Ernst & Young's Real Estate Advisory Services Group.
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Strawberry-Macadamia Nut Muffins
Total Time
Prep 12 mins
Cook 20 mins
Don't these sound great?!:)
Ingredients Nutrition
- 3⁄4 cup milk
- 1⁄3 cup butter, melted (5 1/3 Tbsp.)
- 1 large egg
- 2 cups flour
- 2⁄3 cup sugar
- 2 teaspoons baking powder
- 1⁄2 teaspoon salt
- 1 cup chopped fresh strawberries
- 1⁄2 cup chopped macadamia nuts
- Preheat oven to 400*F.
- Grease the bottoms only of 12 standard-size muffin cups, or line with paper wrappers; set aside.
- In a large bowl, beat together the the milk, melted butter, and egg.
- Stir in the flour, sugar, baking powder, and salt just until combined; do not overmix.
- Gently fold in the strawberries and macadamia nuts.
- Spoon batter into the prepared tins; sprinkle with sugar, if desired.
- Bake for 20-22 minutes, or until golden and puffed.
- Immediately invert onto wire racks.
- Serve warm or cool.
Most Helpful
Very delicious, I loved the texture with the macadamia nuts, my grandma loved these and asked me for the recipe, she is usually the one giving me recipies!
Yummy! My 9 year old grand-daughter and I made these at lunch time - not many left!! I substituted extra-virgin olive oil for the butter, and we topped them with chopped macadamias, cinnamon and sugar, as suggested by another Foodie Fanatic - very effective. These are lovely light, moist muffins, and will be made many times in my kitchen! thank you. Tricia in Oz
Great muffins! I added a topping on these made of ground macadamia nuts, cinnamon and sugar. Very yummy! We enjoyed them with our coffee, and will have often too! Thanks!


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Border Rose Tattoo
tattoo removal, Tattoo Laser Removal
Border Rose Tattoo Studio is now offering a professional laser removal service for those unwanted tattoos. Give us a ring or pop into the studio for free advice and to arrange your first appointment.
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Get in touch with James to discuss you tattoo ideas or he can show you previous work to get ideas on your perfect tattoo!
Get in touch with Abi @ Border Rose Tattoo Studio with any tattoo ideas you have, bring along photos or designs or Abi is happy to sit down with you and help design your perfect tattoo.
Border Rose Tattoo Studio offering a full design to tattoo service with great aftercare. Not sure of a design? Rob can help or if you have a design in mind or photo then we can work to that too!
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Check in from 14h / Check out prior to 11h
The Home Hotel: Find photos, reviews, information, amenities and compare prices for 0 stars hotels in Tel Aviv, Israel.
The Home Hotel offers a comfortable setting when in Tel Aviv. It is ideally positioned for those wishing to discover the area's attractions.
Hotel description
The Home provides an all-hours reception, as well as a safe and luggage storage. For added convenience, it features a lift and wireless internet.
The hotel's rooms are spacious and provide a kitchenette that is equipped with a microwave and a refrigerator. They all offer a flat-screen TV, tea and coffee making facilities and a private bathroom.
The Home Hotel Tel Aviv's neighbourhood offers plenty of nightlife and guests are spoilt for choice when it comes to dining and bar options.
Tel Aviv's attractions, including White City (Tel Aviv) and Dizengoff Square, are within easy walking distance of The Home Hotel. Tel Aviv Promenade is within a 10-minute walk and Ben Gurion International Airport is 30 minutes' drive away.
Hotel features
Air Conditioned, Refrigerator, Cable / Satellite TV, Coffee / Tea Maker, Microwave, TV, Shower, En suite, Private Bathroom
Elevator / Lift, 24 Hour Reception, Safe-Deposit Box, Luggage Storage
Spa & Wellness Centre
Internet Connection (wireless)
Private Toilet
Availability and Prices
Booking Site
Room Type
Per room
Per night
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Nahalat Binyamin St. 151, Tel Aviv
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- Tel Aviv Suites
47 m
- Dan Tel Aviv Hotel
54 m
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Does this attraction involve animals?
Would this be a good hot day activity?
Would this be a good cold day activity?
Is this an outdoor attraction or activity?
Is this attraction suitable for all ages?
Is this attraction good for couples?
Is this attraction pet friendly?
Would this be a good sunny day activity?
Does this attraction have good scenic or skyline views?
Is this attraction a "must-see" location?
Thanks for helping!
Took a few hours for an excursion from the Barcelo ( minutes away ) and found this place to be like a Pirates Cove . Nice waterways filled with yachts , dolphins , manatees , sea...
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Took a few hours for an excursion from the Barcelo ( minutes away ) and found this place to be like a Pirates Cove . Nice waterways filled with yachts , dolphins , manatees , sea lions and tropical fish . Restaurants and shops also on edge to the waterways made for a nice walk and a drink . There...
enjoyed walking around everyday! with the dolphins, manatees, sea lions, fishing boats, restaurants, and shops it was always entertaining. way better than i was even expecting!!!
took a 40' catamaran sail at sunset for a 3 hour excursion. Drinks aplenty, snacks, and entertaining (friendly) crew as well. Thanks to all for a fun & safe time.
We were just uot for a walk and to get some more suntan cream. What a treat this was to find the dolphins being fed and trained. caught them jumping out of the water and playing with balls and generally looking like they were having a great time.
We jumped in a cab from our hotel in Akumal and went to the marina in Puerto Aventuras. We walked around the marina. Lots of little shops, etc. Fun to see the boats. There is a huge dolphin area/pools in the center that you walk around. Great way to get up an close to dolphins for free. We ended up...
There are many places to shop and eat. All sizes of boats going by and docked. Fishermen, scuba and snorkelers haven. Nice friendly place.
This is the only place in Puerto Aventuras but there is a decent variety. My daughter got her hair braided by a shop owners wife, Paz.
Great place to watch the dolphins get fed and do tricks. Nice little restaurants and a few shops. Becareful though, as the locals think all tourists are millionaires and put their
Prices up triple. Awesome place to visit especially the Catalonia hotel we loved our stay and the people are all lovely.
Was amazing, got a free show while they were feeding the dolphins and it was fantastic im so glad I managed to catch it on video and would love to see it again
Restaurants, shops, luxury condos on the water and a large luxury marina. We took a cruise aboard a very nice 47ft catamaran for a sunset cruise. Very modern, lots of signs of large amounts of investment dollars that have been put into the infrastructure that supports a very decadent lifestyle of the inhabitants adjacent to the port. Reminiscent to south...
Own or manage this property? Claim your listing for free to respond to reviews, update your profile and much more.
We're staying at the Barcelo the first week of June. I use a power wheelchair. Is the area outside of the resort easy to get around?
Can you please tell me if it cost money to go into the Marina and also how many USD it is to rent a golf cart? Thank you
We are staying at the Dreams Puerto Aventuras Resort and Spa. I would like to visit Tulum, but don't want to go with a tour. Could we take a "taxi'? My husband and I do not travel often, and need to know specifics. How much should we pay for a taxi? Should we get a guide? any help would be appreciated
Also, we like to bike and would like to rent bikes for a day. Is there a 30-50 miles route someone could recommend? Where do we rent bikes?
How far is Carmen town from hotel and xcaret
How do I get here using public transportation?
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Buyer (Consumer Goods)
Houston • USD50,000 - USD70,000 • Permanent
Bullet points
- Cosmetics/Toiletries/Bottles/Packaging/Fashion
- Consumer Goods/Acessories/Retail/Merchandise
About Our Client
Our client is a leading, global FMCG manufacturing company focused on creative innovation, modernized advancements, and sustainability to empower the global production sector. They operate in markets and various sectors across the globe and continue to improve business among new regions, executing their commitment to lead in each market as well as create value for business partners and stakeholders. Their immaculate presence is managed by two regional platforms which oversee the evolution for energy projects, "green" models, operations, and construction platforms.
Job Description
Our client is looking for an experienced Buyer for this role. You will have proven experience in buying within a manufacturing (food & beverages), consumer goods, and environmental domain. You will also be experienced in sourcing products from an overseas supply base and have experience managing tactical buying teams. Must have understanding of local vendor base and product knowledge within energy and modernized technology. Other responsibilities include: * Development of supplier management strategies to ensure continuity of supply * Management of incoming product, including warehouse engagement * Prepares and issues request for quotes to determine optimal purchases * Meet with suppliers and negotiate prices, discounts, and transportation arrangements at * the correct time and quality * Provide support to operations, engineering, and quality departments as needed * Execute cost improvements and report savings and other metrics as supplied * Manage multiple suppliers for long term relationships and continuous added value
The Successful Applicant
The ideal candidate will have previous procurement experience and extensive knowledge of energy and technology divisions. Other requirements included: * Bachelor's degree from an accredited university * 3-5 years of procurement experience * Experience with industrial, consumer goods, technology, and/or environmental * Experience with ERP systems
What's on Offer
Dependent upon experience.


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Browse Victorian
Refine Your Search
Choose Your Colors
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Victorian decor beautifies your surroundings with lavish decorations and time-honored designs; decorate with Victorian bedding, curtains, rugs, bath accessories and more to recreate this era in your own home.
Charlotte Floral Handpainted Side Table
Oliviana Table Clock
Majesty Window Treatments
Karessa Heart Wall Mirror
Nimbus Stripe Ascot Valances and Window Treatments
Whisper Soft Oversized Quilted Bedspread
Grandeur Pale Green Lady Figurine
Brynleigh Handblown Glass Table Lamp
Musical Angel Figurine by Roman
Cherish Gathered Floral Oversized Bedspread
Guardian Angels Wall Plaque Set
Cheri Blum Classic Floral Framed Print Set
Sleeping Angel Figurine Shelf Sitter
Royale Grande Bedspread Bedding
Timeless II 5 pc Wall Mirror Set
Selina Wall Shelf
Vanessa Lace Long Swag Valance Window Treatment
Arthur Anderson Horseless Carriage Lighted Victorian Wall Tapestry with Rod
Carissa Floral Wall Plaque Set
Victorian Blossoms Wall Plaque Set
Floral Vine Lace Window Treatments
Vivianne Victorian Lady Figurine
Swag and Bow Old World White Wall Teester Bed Crown
Victoria Rose Tarnished Gold Wall Teester Bed Crown
Cherub Melody Candleholder Set
Eliza Rose Oval Mirrored Vanity Tray
Delicate Dance Purple Globe Hurricane Lamp
Splendor Shirred Faux Silk Dark Gold Window Treatment
Vintage Rose Floral Ruffled Grande Bedspread
Motherhoods Bliss Victorian Lady Figurine
Olivia Jane Hurricane Table Lamp with CFL Bulb
Georgette Demilune Floral Storage Cabinet
Delicate Darling Narrow Wall Mirror Panel
Vintage Rose Floral Ruffled Daybed Bedding Set
Graceful Beauty Ivory Lady Figurine Vanity Mirror
Lattice Lace Panels Window Treatment
Melania Rose Decorative Topper
Sitting Angel Figurine
Divine Silhouette Pastel Dress Lady Figurine
Abbey Rose Floral Lace Window Treatment
Florio Wooden Console Table
Canterbury Classic Lace Table Linens
Golden Rose Covered Jar
Playful Cherub Holder Figurine
Tranquil Garden Tuck Valance Window Treatment
Vintage Rose Floral Window Treatment
Chantilly Rose Window Treatments
Lisette Pearl Chenille Swag Valance Window Treatment
Victorian Decor & Bedding
With Victorian decor, there's no such thing as over-embellishing! This style hails from a period when elaborate decorations and luxuriant furnishings were highly fashionable. Thankfully, some traditions simply aren't made to fade with time. Adorn your home with the intricate patterns and abundant frills that characterize this highlight of home decor history. Let every element in your home, from your windows to your bed, sing with the time-honored elegance of the Victorian Era. This old-fashioned, romantic decor style lends gravitas to your modern home.
Victorian Curtains
Victorian curtains festoon your windows in fabrics such as feminine lace or lustrous satin. Your window ensemble, in line with the Victorian decorator's tastes, must be much more than a simple curtain pair. Use valances trimmed with beaded fringe or ornate tassels to lend palatial poise to your window. Insert a lace curtain panel behind your Victorian window treatments for a wispy privacy shade that still welcomes in sunlight. You can also find gorgeous bedding with nostalgic flair. Coordinate your Victorian drapes with your bed ensemble for pure opulence.
Stretching the length of your drawing room or accentuating your tea parlor floor, Victorian rugs bring a sense of luxury to a room. Scalloped edges and complex designs ground these floor coverings squarely in a nineteenth century temperament. Look for motifs inspired by the natural world, like acanthus leaves and vining florals. Nature fascinated the Victorians, so delicate roses and blooming florets render authenticity. Embellish your room even further with Victorian decorations.
Decorating with Victorian Home Decor
Finally, Victorian bath decor ensures that every inch of your bathroom receives the ornamental treatment of the age. Vanity trays provide a pretty platform for perfume bottles and cosmetics, while matching bath accessories house soaps, tissues and toothbrushes in their flowery vessels. You can also shroud your bathing area in a lace shower curtain, or fit your toilet with a fluted seat for instant adornment.
Do away with modern restraint and look to antiquity for guidance. Victorian home decor will imbue your home in the rich sights and florid decorations of this bygone era.


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Request Senior Care
Therapeutic Shoes Detailed
Coverage: Conditions that must be met before Medicare will provide coverage, and limits to coverage.
Therapeutic Shoes: Medicare covers therapeutic shoes for people with diabetes who have severe diabetic foot disease. The doctor who treats your diabetes must certify your need for therapeutic shoes. The shoes and inserts must be prescribed by a podiatrist or other qualified doctor and provided by a podiatrist, orthotist, prosthetist, or pedorthist. Medicare helps pay for one pair of therapeutic shoes per calendar year and for inserts. Shoe modifications may be substituted for inserts.
The fitting of the shoes or inserts is covered in the Medicare payment for the shoes.
CoPayment: The amount you need to pay.
You pay 20% of Medicare-approved amounts.
Medicare Part: The part of Medicare that pays for this service or supply.
Organization Name: The organization name that this coverage topic is associated with.
Important Notes: Details regarding important notes about the coverage.
Actual amounts you must pay may be higher if a doctor, health care provider, or supplier does not accept assignment.


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Casa Vallejo
Select your stay dates to check availability at Casa Vallejo
Casa Vallejo
About the Hotel
Property Location
With a stay at Casa Vallejo in Baguio, you'll be minutes from SM City Baguio and Baguio Mountain Province Museum. This spa hotel is within close proximity of Baguio Cathedral and Baguio Convention Center.
Stay in one of 24 guestrooms featuring LCD televisions. Complimentary wireless Internet access keeps you connected, and cable programming is available for your entertainment. Bathrooms have showers and complimentary toiletries. Conveniences include desks and ceiling fans, as well as phones with free local calls.
Relax at the full-service spa, where you can enjoy massages. Additional amenities at this hotel include complimentary wireless Internet access and concierge services.
Enjoy a meal at a restaurant or in a coffee shop/café. Or stay in and take advantage of the hotel's room service (during limited hours). Quench your thirst with your favorite drink at a bar/lounge.
Business, Other Amenities
Featured amenities include a 24-hour front desk, luggage storage, and a library. Free self parking is available onsite.
Hotel Facilities
- Total number of rooms - 24
- Restaurant
- 24-hour front desk
- Free WiFi
- Breakfast available (surcharge)
- Smoke-free property
- Bar/lounge
- Coffee shop or café
- Concierge services
- Parking (limited spaces)
- Luggage storage
- Free self parking
- Full-service spa
- Library
Room Facilities
- Free local calls
- Shower only
- Desk
- Phone
- Room service (limited hours)
- Rollaway/extra beds (surcharge)
- Cable TV service
- Partially open bathroom
- Daily housekeeping
- Ceiling fan
- Free toiletries
- Free WiFi
Hotel Policy
The following fees and deposits are charged by the property at time of service, check-in, or check-out.
- Breakfast fee: between PHP 190 and PHP 200 for adults, PHP 190 and PHP 200 for children (approximately)
- Rollaway bed fee: PHP 1000.00 per night
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.Show all hotel policy Show less hotel policy


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July 31, 2009
JENNIFER CIECHANOWSKI AND GEORGE CIECHANOWSKI, HUSBAND AND WIFE, PLAINTIFFS-APPELLANTS/ CROSS-RESPONDENTS,v.NEW JERSEY MANUFACTURERS INSURANCE COMPANY, DEFENDANT-RESPONDENT/CROSS-APPELLANT.
On appeal from the Superior Court of New Jersey, Law Division, Atlantic County, Docket No. L-2444-06.
Argued December 17, 2008
Before Judges Parrillo, Lihotz and Messano.
We are required to interpret the offer of judgment rule, R. 4:58-1 to -5 (the Rule), in the context of plaintiffs', Jennifer and George Ciechanowski, first-party claim for underinsured motorist (UIM) benefits under their automobile insurance policy with defendant, New Jersey Manufacturer's Insurance Company (NJM). The issue arose in the following context.
Plaintiff was injured in an automobile accident on September 30, 2003.*fn1 The other driver's insurance policy contained a liability limit of $100,000, and plaintiff's policy with NJM contained a UIM limit of $300,000. After notifying NJM as required by Longworth v. Van Houten, 223 N.J. Super. 174 (App. Div. 1988), plaintiff settled her claim with the tortfeasor for his policy limits, and proceeded to UIM arbitration in accordance with the terms of NJM's policy. That proceeding resulted in an award to plaintiff of $365,000, less $100,000 plaintiff received by way of her settlement.
NJM refused to pay the award, and plaintiff filed suit. On June 8, 2006, she also served an offer of judgment upon NJM in the amount of $185,000.*fn2 After discovery, the matter was arbitrated again pursuant to Rule 4:21A, resulting in an award in plaintiff's favor of $375,000. NJM rejected that award, and requested a trial de novo. After a four-day trial, the jury found in plaintiff's favor and determined her damages to be $510,000, which, in response to specific interrogatories, the jury apportioned as $275,000 for pain, suffering, and disability, and $235,000 as economic loss.
Plaintiff moved for entry of final judgment on August 23, 2007, and requested the judgment include an award of prejudgment interest pursuant to Rule 4:42-11(b), and interest, costs and fees also pursuant to the Rule. Defendant opposed the motion, arguing the Rule did not apply, and cross-moved, seeking to mold the verdict to its $200,000 policy limits. On January 10, 2008, the judge entered two orders, as well as a short written opinion containing the reasons for his decision. He concluded that the jury's verdict should be molded to the limits of NJM's policy, i.e., $200,000. As a result, plaintiff's "money judgment," R. 4:58-2, was not more than 120% of her offer of judgment. Therefore, the judge concluded she was not entitled to an award of counsel fees, enhanced interest, or litigation expenses under the Rule because it simply "d[id] not apply." The judge calculated pre-judgment interest pursuant to Rule 4:42-11(b) on the molded judgment amount, awarding plaintiff $12,701.37. He entered final judgment in plaintiff's favor against NJM in the amount of $212,701.37, plus taxed costs.
Plaintiff argues before us that the judge erred in using the policy limits to mold the verdict into a judgment, and then in using the amount of that judgment to determine whether plaintiff should recover under the Rule. Instead, plaintiff contends that the jury verdict of $510,000 should be used to determine whether she "obtain[ed] a money judgment, in an amount that [wa]s 120% of [her] offer or more[.]" R. 4:58-2(a). NJM contends that the judge correctly molded the verdict to the limits of its policy, and, since that was the "money judgment" plaintiff recovered, her offer of judgment did not trigger the provisions of the Rule at all. Additionally, NJM cross-appeals from the judge's award of pre-judgment interest. It contends that pursuant to Rule 4:42-11(b), plaintiff was entitled to interest only on the non-economic damage portion of her recovery, i.e., based upon the jury's assessment, 53.9% of the molded verdict. NJM seeks reduction of the judgment from $212,701.37 to $206,828.32.
We have considered these arguments in light of the record and applicable legal standards. We affirm.
The Supreme Court has repeatedly described the [R]ule as being "designed particularly as a mechanism to encourage, promote, and stimulate early out-of-court settlement of... claims that in justice and reason ought to be settled without trial." The [R]ule was intended to penalize a party who rejects a settlement offer that turns out to be more favorable than the ultimate judgment. [Wiese v. Dedhia, 188 N.J. 587, 593 (2006) (quoting Gonzalez v. Safe & Sound Sec. Corp., 185 N.J. 100, 125 (2005) (internal quotation omitted).]
By its terms, the Rule is applicable to all causes of action, "[e]xcept [] a matrimonial action," but only if "the relief sought by the parties in the case is exclusively monetary in nature." R. 4:58-1(a). Although a "UIM claim is a contractual one, arising out of the insurance policy issued to plaintiff by h[er] own insurer," Bardis v. First Trenton Ins. Co., 199 N.J. 265, 275 (2009), we have specifically held the Rule applicable to such claims. McMahon v. N.J. Mfrs. Ins. Co., 364 N.J. Super. 188, 191 (App. Div. 2003).
The Rule "serves the unique and particular purpose of imposing financial consequences on parties who unwisely reject an offer of settlement and insist on a trial." Wiese, supra, 188 N.J. at 593; Schettino v. Roizman Dev., Inc., 158 N.J. 476, 482 (1999). The penalties imposed by the Rule are mandatory. Wiese, supra, 188 N.J. at 592; McMahon, 364 N.J. Super. at 194; Pressler, Current N.J. Court Rules, comment 2 on R. 4:58 (2009).
As currently enacted, Rule 4:58-2(a) provides,
If the offer of a claimant is not accepted and the claimant obtains a money judgment, in an amount that is 120% of the offer or more... the claimant shall be allowed, in addition to costs of suit: (1) all reasonable litigation expenses incurred following non-acceptance; (2) prejudgment interest of eight percent on the amount of any money recovery from the date of the offer or the date of completion of discovery, whichever is later, but only to the extent that such prejudgment interest exceeds the interest prescribed by R. 4:42-11(b), which also shall be allowable; and (3) a reasonable attorney's fee, which shall belong to the client, for such subsequent services as are compelled by the non-acceptance. (Emphasis added.)
The highlighted language reflects part of a series of amendments to the Rule adopted in 2006.*fn3 Prior thereto, the Rule provided that penalties would be imposed if "the claimant obtain[ed] a verdict or determination at least as favorable as the rejected offer or, if a money judgment, in an amount that is 120% of the offer or more[.]" R. 4:58-2 (2004) (Emphasis added). This language reflected yet another change from the Rule's operative provisions as they existed prior to 2004. At that time, the Rule drew distinctions between a claim for liquidated and unliquidated damages, providing that a claimant could recover if she obtain[ed] a verdict or determination at least as favorable as the rejected offer.... In an action for unliquidated damages, however, no allowances under this rule shall be granted to the offeror unless the amount of the recovery is in excess of 120% of the offer.
[R. 4:58-2 (2002) (emphasis added).]
Regardless of the exact language used, "[i]nducement to settlement has remained the fundamental purpose of the [R]ule as it has evolved." Pressler, supra, comment 1 on R. 4:58.
At least two cases interpreting the pre-2006 Rule definitively held that the limits of the defendant's insurance policy had no effect upon whether the plaintiff was entitled to recover the penalties provided. In McMahon, supra, the plaintiff brought suit seeking to recover the difference between the tortfeasor's policy limits already obtained in settlement, i.e., $125,000, and her UIM policy limits of $300,000. 364 N.J. Super. 190. She tendered an offer of judgment for $129,000, which the defendant rejected, resulting in a trial at which the jury returned a verdict in the plaintiff's favor for $500,000. Ibid. The plaintiff contended that she was entitled to an award of interest, attorney's fees, and litigation expenses under the Rule, while the defendant argued that any award, when combined with the judgment amount of $175,000, would exceed its contractual liability under its policy limits. Id. at 191. We rejected the defendant's argument, however, concluding that the plaintiff's UIM claim sought "unliquidated damages," and that the defendant's "policy limits... [we]re not so sacrosanct to afford protection... where it chooses not to participate, despite having the opportunity and ability to do so, in the activity fostered by the [R]ule to avoid the very sanction imposed for non-participation." Id. at 193; see also Negron v. Melcchiore, Inc., 389 N.J. Super. 70, 96 (App. Div. 2006) (considering and "reject[ing]" under the 2006 Rule, "[the] defendant's argument that... the limits of his liability policy [should be considered] in determining whether the sanctions... should be enforced"), certif. denied, 190 N.J. 256 (2007).
In Gonzalez, supra, 185 N.J. at 112, the plaintiff tendered an offer of judgment for $800,000. The defendant, who was in bankruptcy at the time, maintained a liability insurance policy with a limit of $1,000,000. The Bankruptcy Court lifted its stay to permit the plaintiff's personal injury action to proceed, limiting any recovery to the policy limits. Id. at 123-24. After settling with one defendant for $100,000 paid from the defendant's liability policy, the plaintiff subsequently obtained a multi-million dollar verdict against the defendant, and sought the penalties provided under the Rule. Id. at 124.
The defendant contended "that in light of the bankruptcy court's decree limiting any recovery against [it] to its insurance coverage, the rejected offer should have been measured against the $900,000 remaining on the policy. By that standard,... [the] plaintiff did not recover more than 120% of its settlement offer." Ibid. However, the Court rejected this argument, holding
The fee-shifting provisions of Rule 4:58-2 are triggered by a "verdict" or "determination." Here, the verdict in favor of plaintiff far exceeded 120% of plaintiff's offer. The language, structure, and policy rationale of the rule do not support the notion that plaintiff's offer should be measured against the insurance coverage rather than the verdict. [Id. at 124-25 (emphasis in original).]
NJM's argument in this case focuses on the effect of the 2006 amendment to the Rule. It contends that the previous language that defined when the penalties of the Rule were triggered, i.e., upon a plaintiff obtaining a favorable "determination or verdict," or "if a money judgment, in an amount that is 120% of the offer or more," was amended so that a plaintiff may now obtain the Rule's benefits only if she "obtains a money judgment" in excess of 120% of her offer. Defendant claims plaintiff could only obtain a money judgment of $200,000, regardless of the verdict the jury returned. That amount was never going to be greater than 120% of plaintiff's $185,000 offer. Thus, plaintiff is not entitled to any enhanced interest award, attorney's fees, or litigation expenses under the Rule.
The importance of this change in the Rule's language has been addressed tangentially in two of our recent opinions. In Taddei v. State Farm Indem. Co., 401 N.J. Super. 449, 462 n.8 (App. Div. 2008), a case involving a plaintiff's claim for UM benefits under his policy, but not involving an offer of judgment, we did not address the issue directly because it was "not... before us." Nevertheless, we noted "a sensible reading of 'judgment' in Rule 4:58-2(a) in this context would probably be to deem it the jury's verdict."*fn4 Ibid.
In Malick v. Seaview Lincoln Mercury, 398 N.J. Super. 182 (App. Div. 2008), another panel of our colleagues considered the issue in the context of a "high-low" settlement. There, plaintiff's offer of judgment, $650,000, was made prior to trial, during which the parties negotiated an agreement with $175,000 as the "low," and $1,000,000 as the "high" figure. Id. at 184-85. The jury returned a verdict in excess of $5 million, and the plaintiff sought penalties under the Rule, including pre-judgment interest calculated upon the amount of the jury verdict. Id. at 185. The panel concluded that based upon the plaintiff's acceptance of the high-low agreement, "the verdict was molded to a $1 million judgment. That is the amount on which the Rule 4:58-2 interest... is to be calculated." Id. at 191. In a footnote, however, citing Gonzalez, supra, 185 N.J. at 124, the panel noted that even under the "version of the Rule in effect prior to [the] 2006 amendments[,]" "'verdict' meant the resulting judgment after the verdict was molded by the trial court." Malik, supra, 398 N.J. Super. at 191 n.4 (emphasis added).
When interpreting the Rule, the Court has instructed
[W]e ordinarily apply canons of statutory construction. Accordingly, as with a statute, the analysis must begin with the plain language of the rule. The Court must ascribe to the [words of the rule] their ordinary meaning and significance... and read them in context with related provisions so as to give sense to the [court rules] as a whole.... If the language of the rule is ambiguous such that it leads to more than one plausible interpretation, the Court may turn to extrinsic evidence. [Wiese, supra, 188 N.J. at 592 (internal quotations and citations omitted).]
The term "money judgment" is clear and unambiguous. It differs from prior iterations of the Rule that used terms such as "verdict or determination at least as favorable as the rejected offer," or "recovery... in excess of 120% of the offer[,]" as the triggering mechanisms for imposition of penalties. Construing those prior versions of the Rule, we have said that "the words 'verdict,' 'determination,' and 'recovery' as used in R. 4:58-2 must be viewed in the same context and must receive the same interpretation--i.e., 'the jury's assessment of the value of plaintiff's claim expressed in dollar terms.'" Gonzalez v. Safe and Sound Sec. Corp., 368 N.J. Super. 203, 213 (App. Div. 2004) (quoting Lobel v. Trump Plaza Hotel & Casino, 335 N.J. Super. 319, 322-23 (App. Div. 2000)), rev'd on other grounds, 185 N.J. 100 (2005).
The term "judgment," however, means something else, because it is "the final decretal act of the court." Lobel, supra, 335 N.J. Super. at 322 (citing R. 4:47(a)). That rule provides in relevant part
[J]udgment shall be entered... [u]nless the court otherwise orders, [by] the clerk... without awaiting further direction by the court: (1) upon a general verdict of a jury; (2) upon a decision by the court that a party shall recover only a sum certain or costs or that all relief shall be denied; and (3) upon a special verdict or general verdict accompanied by answers to interrogatories which is forthwith convertible by the court into a money judgment or a judgment that relief shall be denied.
[R. 4:47(a).]
In the case at hand, the jury's "general verdict" could not be transformed into a judgment until the judge made his decision, under applicable law, that plaintiff could recover only "a sum certain," i.e., her contractual policy limits, and molded the verdict accordingly.
There are clearly other contexts in which the jury's "verdict" or "determination" of the value of a plaintiff's case does not translate automatically into the measure of a defendant's financial liability. For example, in the context of a UM/UIM case, any award must be reduced by plaintiff's comparative negligence, and if that is greater than 50%, plaintiff would not be entitled to any recovery at all under her policy of insurance. See Krohn v. N.J. Full Ins. Underwriters Ass'n, 316 N.J. Super. 477, 483 (App. Div. 1998) (the UIM plaintiff's "legal entitlement to damages for the... underinsured driver's negligence 'imports into the [uninsured or underinsured motorist's] policy all of the normal rules governing tort liability and damages[]'") (quoting Montedoro v. City of Asbury Park, 174 N.J. Super. 305, 308-09 (App. Div. 1980)), certif. denied, 158 N.J. 74 (1999). Depending upon the jury's response to special interrogatories, the actual award of damages would be "forthwith convertible by the court into a money judgment or a judgment that relief shall be denied[.]" R. 4:47(a)(3). In such circumstances, whether a plaintiff is entitled to the penalties provided for by the Rule is not determined solely by the amount of damages the jury assessed.
Similarly, in circumstances where a plaintiff settled her claim with one tortfeasor, but proceeded to trial against another, the jury's verdict would not automatically trigger an award of penalties under the Rule. Instead, assuming the non-settling defendant was entitled to an apportionment finding on liability, Young v. Latta, 123 N.J. 584, 597 (1991), whatever damages the jury awarded would be reduced by the settling defendant's percentage of negligence. Plaintiff's offer of judgment tendered against the non-settling defendant would be measured against the final "money judgment" that was molded as a result of the jury's answers to special interrogatories, not based solely upon the jury's assessment of the quantum of damages. R. 4:47(a)(3).
Plaintiff argues that the 2006 amendments were not intended to be of any "great moment," noting the lack of any commentary by Judge Pressler on the subject. She also contends that the construction that we and the trial judge have placed upon the Rule is "illogical and flout[s] [] legal precedent while undermining the Rule." We disagree.
First, in her commentary, Judge Pressler specifically noted, "The September 2006 amendments addressed... the difficulty of comparing an offer with a judgment actually rendered where non-monetary relief is sought... and is granted." Pressler, supra, comment 1 on R. 4:58 (emphasis added). The result was a change in Rule 4:58-1, "permit[ting] an effective offer [of judgment] to be made only if, when it is made, the relief sought is exclusively monetary." Ibid. In discussing the amendments to Rules 4:58-2 and 4:58-3, Judge Pressler commented, "Both rules provide[] that if the judgment is within a 20 percent margin of error, the party whose offer was rejected is entitled to" the Rule's penalties. Pressler, supra, comment 2 on R. 4:58 (emphasis added). We acknowledge plaintiff's point, however, that Judge Pressler also noted, without specific reference to the 2006 amendatory language, that "[f]or purposes of determining which party prevails under this rule, it is the actual verdict that is compared to the offer." Ibid. (citing Gonzalez, supra, 185 N.J. at 123-25). The commentary, taken as a whole, is ambiguous, and does not address the specific, unique circumstances of a UM/UIM trial.
The "legal precedent" upon which plaintiff places great reliance, specifically McMahon and Gonzalez, are both distinguishable from the case at hand. First, both cases were decided prior to the language change, when the Rule's triggering event was the "verdict or determination" of the factfinder. Gonzalez, supra, 185 N.J. at 124. Second, in McMahon, the amount of the jury's verdict was only tangentially relevant to the issue presented. In other words, plaintiff's offer of judgment in that case, $129,000, would have entitled her to the Rule's penalties even when measured against the molded judgment of $175,000. The defendant insurer conceded the Rule applied; the only issue presented was whether defendant's contractual liability limits precluded the award of the Rule's penalties.
Thus, in the case at hand, had plaintiff's offer of judgment been $166,666, and had she obtained the same $510,000 verdict from the jury, she would be entitled to the Rule's penalties even though, when added to the molded judgment of $200,000, the total would have exceeded NJM's contractual responsibility. McMahon's holding requires nothing more.
Third, Gonzalez is factually distinguishable because it involved a claim for damages that was theoretically unlimited. It was only the fortuitous intervention of the Bankruptcy Court, limiting plaintiff's recovery and possible judgment to the insurance policy limits, which served as the tether upon which the defendant attached its hopes to defeat the claim for penalties under the Rule. In other words, if the defendant was not bankrupt, the amount of its insurance policy would not have mattered. See Gonzalez, supra, 185 N.J. at 125 ("the available monies under the insurance policy" are not the measuring stick to determine whether plaintiff prevailed). But for the bankruptcy status, the balance of plaintiff's multi-million dollar judgment, i.e., the amount in excess of the policy of insurance, would have been docketed against the defendant until satisfied and discharged. In such circumstances, a plaintiff's right to recover the penalties provided by the Rule has no reasonable relationship to the limits of a defendant's insurance coverage.
However, such is not the case in a UIM lawsuit. As we earlier noted, "the UIM claim is a contractual one, arising out of the insurance policy issued to plaintiff by his own insurer." Bardis, supra, 199 N.J. at 275. The plaintiff forced to pursue her claim for UIM benefits at trial comprehends that she will not recover any more than that provided for by the contract of insurance. The insurer, of course, knows the same thing. Regardless of the jury's verdict, the molded judgment entered against the insurer will not, in the first instance, exceed the amount of the policy.*fn5 To determine whether plaintiff has prevailed under the Rule, the quantitative relationship examined is that between plaintiff's offer and the actual judgment, as required by the Rule. Only because of the unusual circumstances of UM/UIM litigation is that quantitative relationship the same as that between plaintiff's offer, and the limits of her insurance policy.
In sum, we conclude that the language of the Rule requires plaintiff's offer of judgment to be measured not against the jury verdict or the limits of her UIM insurance coverage, but against the "money judgment" she was entitled to recover as a result of the trial. This interpretation still serves the salutary goal of promoting early settlement of most UM/UIM claims, though we acknowledge plaintiff's argument that the goal is potentially thwarted in cases where the reasonable value of settlement approaches the policy limit. In that universe of cases, early settlement through the use of the Rule is unlikely because an insurer, believing it had nothing to lose, might "gamble[]" on the "precarious hope that it might achieve a judgment better than plaintiff's offer[.]" Gonzalez, supra, 185 N.J. at 125. But, as we have already noted in construing the Rule in other contexts, "Our role as an intermediate appellate court is to interpret and enforce the Rules promulgated by the Supreme Court, not to rewrite them when we detect in their application a disagreeable outcome." Negron, supra, 389 N.J. Super. at 96. We therefore affirm the trial judge's order denying plaintiff's request for penalties under the Rule.
We find NJM's cross-appeal to be of insufficient merit to warrant extensive discussion in this opinion. R. 2:11-3(e)(1)(E). Rule 4:42-11(b) provides that "[p]rejudgment interest shall not... be allowed on any recovery for future economic losses." The jury concluded that $235,000 of the total award of $510,000 was for "economic loss." NJM does not contend that all the damages were assessed as "future economic losses." Moreover, NJM provides no authority for the proposition that the molded verdict must reflect the jury's apportionment of economic loss, and non-economic damages, and our research has not yielded any precedent either.
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Mousseline Sauce
|Egg yolk
|Caster sugar
|1 1⁄2 Ounce
|Sherry/Fruit juice
|2 Tablespoon
1) In a bowl, add the egg, egg yolk, caster sugar, and sherry.
2) In a pot, add water and allow to simmer.
3) Place the bowl of the egg mix over the simmering water and beat till thick and frothy.
4) Serve with poached salmon.
Recipe Summary
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Nutrition Rank
Nutrition Facts
Serving size: Complete recipe
Calories 319 Calories from Fat 81
% Daily Value*
Total Fat 9 g13.8%
Saturated Fat 3 g14.9%
Trans Fat 0 g
Cholesterol 396.6 mg132.2%
Sodium 272.2 mg11.3%
Total Carbohydrates 48 g15.9%
Dietary Fiber 0 g
Sugars 43 g
Protein 9 g17.3%
Vitamin A 9.2% Vitamin C
Calcium 4.6% Iron 7.4%
*Based on a 2000 Calorie diet


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