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May 21, 2010
JAMES F. CAMPENELLA CONSTRUCTION CO., INC., AND W.U. LOCUST PARTNERS, L.P., PLAINTIFFS,v.GREAT AMERICAN INSURANCE COMPANY OF NEW YORK, DEFENDANT.
This action arises out of a contractual dispute respecting an insurance policy Defendant Great American Insurance Company of New York ("Defendant" or "Great American") issued to Plaintiffs James F. Campenella Construction Co., Inc. ("Campenella") and W.U. Locust Partners, L.P. ("W.U. Locust," collectively with Campanella, "Plaintiffs"). Pending before this Court is Great American's Motion to Dismiss Pursuant to Federal Rule of Civil Procedure 12(b)(6), which seeks to dismiss various of Plaintiffs' claims. (Docket No. 3.) For the reasons that follow, the Motion will be granted in part and denied in part.
I. Factual and Procedural Background
On January 2, 2006, Plaintiffs, a Pennsylvania corporation and a Pennsylvania limited partnership, entered into a contract under which Campanella agreed to renovate, repair, and restore W.U. Locust's property, which is located at 1111 Locust Street, Philadelphia, PA 19107-5890 ("W.U. Property"). (Am. Compl. ¶¶ 1-3, Docket No. 1, Ex. A.) Thereafter, Great American, in exchange for a premium, issued Plaintiffs an insurance policy ("Policy") for the W.U. Property in the amount of "$42,000,000, covering loss or damage from all risks of direct physical loss to business property at the insured premises" from June 12, 2006, to June 12, 2008, subject to the Policy's terms and conditions. (Am. Compl. ¶ 4, Ex. P-1).
On or about October 23, 2007, "water loss" caused "water damage and other insured damage" to the W.U. Property and Campenella's work on the property, as a result of which W.U. Locust "incur[red] certain 'soft costs' as defined in the insurance policy." (Am. Compl. ¶ 6.) The parties disagree as to the amount of loss Plaintiffs have suffered. (Am. Compl. ¶ 7.) The Policy contains the following provision to resolve disputes as to the amount of loss:
B. Appraisal
If we and you disagree on the value of property or the amount of loss, either may make written demand for an appraisal of the loss. In this event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If they cannot agree, either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the value of the property and amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will:
1. pay its chosen appraiser; and
2. bear the other expense of the appraisal and umpire equally.
If there is an appraisal, we will still retain our right to deny the claim.
(Am. Compl. ¶ 7, Ex. P-1.) According to Plaintiffs, they "have demanded an appraisal concerning the amount of the loss in accordance with the aforesaid appraisal clause," and "have named their appraiser," but Great American has not done so, meaning that "no umpire has been chosen." (Am. Compl. ¶¶ 9--10.)
On January 29, 2010, Plaintiffs filed a complaint with the Court of Common Pleas of Philadelphia County. (Docket No. 1.) On February 6, 2010, the parties stipulated to amend the Complaint. (Docket No. 1.) The Amended Complaint brings one contract count and one bad faith count against Great American. (Am. Compl. ¶ 8-12.) Count I demands that the Court order Great American to appoint an appraiser, or should Great American fail to do so, appoint an umpire. (Am. Compl. ¶ 10.) Count I also seeks recovery of "[i]nterest from October 23, 2007," "[t]he costs of this action," and "[s]uch relief as may be due and owing under the circumstances[,] including judgment for the amount of the unpaid loss if an appraisal is not conducted." (Am. Compl. ¶ 10.)
Count II alleges that Great American "committed bad faith" in violation of 42 Pa. Cons. Stat. Ann. § 8371 (West 2010) ("UTPCPL" or "§ 8371") and Unfair Insurance Practices Act , 40 Cons. Stat. Ann. § 1171.1 et seq. (West 2010) ("UIPA") "during the adjustment of the loss," by "misrepresenting pertinent facts" or provisions of the Policy, "[r]efusing to pay claims without conducting a reasonable investigation," "[n]ot attempting in good faith to effectuate . . . settlement" of Plaintiffs' claims under the Policy, "[c]ompelling persons to institute litigation . . . by offering substantially less than the amounts due," "[f]ailing to promptly provide a reasonable explanation" for denying Plaintiffs' claim or offer of a compromise settlement," and "[f]ailing to accord [Plaintiffs] the same faithful interest" that Great American accorded to itself in only "partially paying loss and . . . partially denying" Plaintiffs' claims. (Am. Compl. ¶ 12(a)--(f).) Plaintiffs request punitive damages pursuant to § 8371and the UIPA, interest under § 8371, any other interest permitted by law, attorney's fees pursuant to 42 Pa. Cons. Stat. Ann. §§ 1726(1) and 2503(9)--(10) (West 2010), 73 Pa. Cons. Stat. Ann. § 201-9.2(a) (West 2010), and 42 Pa. Cons. Stat. Ann. § 8371(3), and incurred costs and reasonable expenditures. (Am. Compl. ¶ 12(1)--(5).) In addition, Plaintiffs seek an order that Great American's defenses are "barred by its bad faith conduct." (Am. Compl. ¶ 12 (6).)
On February 22, 2010, Great American filed the pending Motion to Dismiss, which seeks to dismiss several of Plaintiffs' claims. (Docket No. 3.)
II. Legal Standard
When deciding a motion to dismiss pursuant to Federal Rule of Civil Procedure 12(b)(6), the Court may look only to the facts alleged in the complaint and its attachments. Jordan v. Fox, Rothschild, O'Brien & Frankel, 20 F.3d 1250, 1261 (3d Cir. 1994). The Court must accept as true all well-pleaded allegations in the complaint and view them in the light most favorable to the plaintiff. Angelastro v. Prudential-Bache Sec., Inc., 764 F.2d 939, 944 (3d Cir. 1985).
A valid complaint requires only "a short and plain statement of the claim showing that the pleader is entitled to relief." Fed. R. Civ. P. 8(a)(2). "To survive a motion to dismiss, a complaint must contain sufficient factual matter, accepted as true, to 'state a claim to relief that is plausible on its face.' " Ashcroft v. Iqbal, --- U.S. ---, ---, 129 S.Ct. 1937, 1949 (2009). Iqbal clarified that the Court's decision in Bell Atlantic Corp. v. Twombly, 550 U.S. 544 (2007), which required a heightened degree of fact pleading in an antitrust case, "expounded the pleading standard for 'all civil actions.' " 129 S.Ct. at 1953.
The Court in Iqbal explained that, although a court must accept as true all of the factual allegations contained in a complaint, that requirement does not apply to legal conclusions; therefore, pleadings must include factual allegations to support the legal claims asserted. Id. at 1949, 1953. "Threadbare recitals of the elements of a cause of action, supported by mere conclusory statements, do not suffice." Id. at 1949 (citing Twombly, 550 U.S. at 555); see also Phillips v. County of Allegheny, 515 F. 3d 224, 232 (3d Cir. 2008) ("We caution that without some factual allegation in the complaint, a claimant cannot satisfy the requirement that he or she provide not only 'fair notice,' but also the 'grounds' on which the claim rests." (citing Twombly, 550 U.S. at 556 n. 3)). Accordingly, to survive a motion to dismiss, a plaintiff must plead "factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged." Iqbal, 129 S.Ct. at 1949 (citing Twombly, 550 U.S. at 556).
III. Discussion
Great American seeks to dismiss (A) Plaintiffs' request in Count I of their Amended Complaint for "judgment for the amount of the unpaid loss if appraisal is not conducted" (Am. Compl. ¶ 10); and (B) Count II, insofar as it brings claims under Pennsylvania's UIPA and Unfair Trade Practices and Consumer Protection Law ("UTPCPL"), and claims for attorney's fees pursuant to 42 Pa. Cons. Stat. Ann. §§ 1726(1) and 2503(9)--(10). (Mot. to Dismiss 3--7.) The Court will address each set of claims in turn.
A. Count I Request for Judgment for the Amount of Unpaid Loss Absent an Appraisal
In Count I of their Amended Complaint, in addition to seeking a court order requiring Great American to "appoint an appraiser," Plaintiffs demand "[s]uch other relief as may be due and owing under the circumstances including judgment for the amount of the unpaid loss if an appraisal is not conducted." (Am. Compl. ¶ 10(a), (e).) Great American contends that "judgment for the amount of the unpaid loss if appraisal is not conducted" is "not recoverable under the policy nor [is it] recoverable under any legal theory." (Mot. to Dismiss 5; Def.'s Reply 4.) Great American cites to one case purportedly providing that a plaintiff can either seek enforcement of the appraisal clause or choose to sue for damages. (Mot. to Dismiss 5.) Great American further avers that "Plaintiffs have not provided any information on what 'unpaid losses' they seek or under what theory the losses are recoverable." (Def.'s Reply 4.)
In response, Plaintiffs contend that the case Great American cites involved a different appraisal clause, because it did not include a clause in which the insurer retains its ability to deny the claim even after there is an appraisal, and that it "makes no sense" to "allow an insurer to deny liability and still proceed to appraisal." (Pls.' Resp. 7-8.) Plaintiffs therefore conclude that the case Great American cites is "no longer controlling on the issue of procedure given the changes in the modern appraisal clause." (Pls.' Resp. 8.)
Great American relies heavily upon Ice City, Inc. v. Insurance Co. of North America, 314 A.2d 236 (Pa. 1974), which held that when an insurer admits liability and the conditions precedent to the appraisal were satisfied, the insured parties could seek a specific performance decree requiring the insurer to appoint an appraiser to determine the amount of fire loss. Id. at 240-42. Ice City held that "the insured may not be denied his right to seek enforcement of the appraisal clause or to sue for damages." Id. at 215. Although Ice City did not expressly recognize that insured parties may seek to recover judgment for the amount of the unpaid loss if appraisal is not conducted, as Great American has argued (Mot. to Dismiss 5), neither does the case demonstrate that Pennsylvania law does not allow for recovery of unpaid loss in the event that appraisal is not conducted. In fact, Ice City stressed that "the insured may not be denied his right . . . to sue for damages,"314 A.2d at 215.
Moreover, the Court has found no case law demonstrating that Pennsylvania law prohibits the recovery of damages in the event that the appraisal provision in the parties' contract is not satisfied, nor has Great American identified any. Because an insurance policy is a contract, if Plaintiff proves that Defendant breached the policy, Plaintiff may be entitled to damages. The Court need not specify on a motion to dismiss that any particular measure of damages is either improper or not proper. This issue can be revisited in a motion for summary judgment or at trial. Accordingly, the Court will not dismiss the Amended Complaint's demand in Count I for judgment for the amount of unpaid losses absent an appraisal.
B. Count II Bad Faith Claims
Count II of Plaintiffs' Amended Complaint alleges that Great American "committed bad faith" by violating both Pennsylvania's UTPCPL, 42 Pa. Cons. Stat. Ann. § 8371, and Pennsylvania's UIPA, 40 Pa. Cons. Stat. Ann.§ 1171.1 et seq., and requests punitive damages, interest, attorney's fees, and costs. (Am. Compl.¶¶ 10-12.) The Court will separately address Plaintiffs' UTPCPL and UIPA claims, before turning to their request for attorney's fees.
1. UTPCPL Claims
In moving to dismiss Plaintiffs' UTPCPL claims, Great American avers that under the UTPCPL and relevant Pennsylvania case law, "insurance purchased for business purposes does not give rise to a cause of action under the UTPCPL." (Mot. to Dismiss 6.) According to Great American, Plaintiffs are "a Pennsylvania limited partnership and a Pennsylvania corporation" to which Great American issued a commercial insurance policy "for business purposes." (Mot. to Dismiss 6.) Plaintiffs assert that Great American is correct, and "request[] the court to strike the relief requested in Count II of the complaint under attorney's fees pursuant to, inter alia, 73 Pa. S[tat. Ann.] § 201-92.(a)." (Pls.' Resp. 8-9, Docket No. 4.)
Section 9.2(a) of the UTPCPL provides that in order to "bring a private action to recover" under the statute, a plaintiff must "purchase[] or lease[] goods or services primarily for personal, family, or household purposes." 73 Pa. Stat. Ann. § 201-9.2(a). Pennsylvania case law confirms that plaintiffs "fail[] to state a cause of action" under the UTPCPL when they seek damages arising from purported bad faith respecting an insurance policy that "was purchased for commercial purposes only." Trackers Raceway, Inc. v. Comstock Agency, Inc., 583 A.2d 1193, 1197 (Pa. Super. Ct. 1990). Because the parties agree that Plaintiffs purchased their insurance policy with Great American for commercial purposes, Plaintiffs cannot recover under the UTPCPL, and the Court will dismiss Plaintiffs' UTPCPL claims in Count II and any damages pursuant to the UTPCPL.
2. UIPA Claims
Great American also seeks to dismiss Plaintiffs' UIPA claims on the basis that the statute "does not give rise to a private action against an insurer and can only be enforced by the Insurance Commissioner of Pennsylvania," and thus "alleged violations of the UIPA are . . . irrelevant to the Court's determination of Plaintiffs' statutory bad faith claim." (Mot. to Dismiss 3.) Plaintiffs respond that under Pennsylvania case law, the UIPA's provisions have been deemed "incorporated by law into each and every insurance contract issued in . . . Pennsylvania." (Pls.' Resp. 2.) Plaintiffs did not contest Great American's assertion that there is no private right of action under the UIPA. (Pls.' Resp. 1-3.)
In reply, Great American avers that the cases cited by Plaintiffs only permit a UIPA violation to "constitute a breach of contract, not a claim for bad faith," and that under Third Circuit precedent, "alleged violations of the UIPA became irrelevant to a determination of statutory bad faith." (Def.'s Reply 2-3.) In a supplemental reply brief, Plaintiffs concede that violations of the UIPA are not evidence of bad faith per se, such violations nonetheless "can be evidence of bad faith." (Pls.' Supp. Reply 3 (emphasis removed).)
The UIPA states in relevant part:
Any of the following acts if committed or performed with such frequency as to indicate a business practice shall constitute unfair claim settlement or compromise practices.
(i) Misrepresenting pertinent facts or policy or contract provisions relating to coverages at issue.
(iv) Refusing to pay claims without conducting a reasonable investigation based upon all available information
(vi) Not attempting in good faith to effectuate prompt, fair and equitable settlements of claims in which the company's liability under the policy has become reasonably clear.
(vii) Compelling persons to institute litigation to recover amounts due under an insurance policy by offering substantially less than the amounts due and ultimately recovered in actions brought by such persons.
(xiii) Failing to promptly provide a reasonable explanation of the basis in the insurance policy in relation to the facts or applicable law for denial of a claim or for the offer of a compromise settlement.
40 Pa. Cons. Stat. Ann. § 1171.5(a)(10). "It is well settled . . . that the UIPA does not provide a private citizen with a cause of action against an insurer." Great W. Life Assurance Co. v. Levithan, 834 F. Supp. 858, 863 (E.D. Pa. 1993) (Joyner, J.). Instead, "[t]he UIPA may only be enforced by the Commissioner, and such enforcement is wholly within the discretion of the Commissioner." Oehlmann v. Metro. Life Ins. Co., 644 F. Supp. 2d 521, 531 (M.D. Pa. 2007). In addition, the UIPA only "attempts to prevent and regulate violations that are systemic in the insurance industry, as only violations committed 'with a frequency that indicated a general business practice' are sanctionable." Id. (quoting 40 Pa. Cons. Stat. Ann. § 1171.5(a)(10). Thus, the Court will dismiss Count II to the extent that it brings any claims under the UIPA. Because the Court has already concluded that Plaintiffs' UTPCPL claims should be dismissed, it need not address the question of whether alleged UIPA violations are relevant to the determination of Plaintiff's bad faith claim pursuant to the UTPCPL.
Count II of Plaintiffs' Amended Complaint only brings bad faith claims pursuant to the UIPA and the UTPCPL. Plaintiffs did not state bad faith claims under common law, and as the Third Circuit has recognized, the Pennsylvania Supreme Court has "held that there is no common law remedy for bad faith on the part of insurers." UPMC Health Sys. v. Metro. Life Ins. Co., 391 F.3d 497, 505 (3d Cir. 2004). As a result, Plaintiffs have not articulated actionable bad faith under Pennsylvania law, and Count II will be dismissed in its entirety, including Plaintiffs' request for attorney's fees.
3. Attorney's Fees
In any event, Plaintiffs' request for attorney's fees under 42 Pa. Cons. Stat. Ann. §§ 1726(1) and 2503(9)--(10), is without merit. The first provision, section 1726 is the portion of Pennsylvania Judiciary and Judicial Procedure that governs the "establishment of taxable costs," and in no way provides for the recovery of attorney's fees in bad faith actions. As to section 2503(9), it only entitles a party to "a reasonable counsel fee" if it "is awarded counsel fees because the conduct of another party in commencing the matter or otherwise was arbitrary, vexatious, or in bad faith." Section 2503(9) "ha[s] been interpreted to apply to conduct of a party in commencing a proceeding or conduct during the pendency of an action," and only applies to "conduct occurring after the litigation has begun." The Amended Complaint only alleges that Great American acted in bad faith prior to the litigation, and Plaintiffs, rather than Great American, brought this suit. Moreover, section 2503(10) only provides for attorney's fees if they are "specified by statute heretofore or hereafter enacted," and Plaintiffs have not cited to another statute that permits recovery of attorney's fees aside from the UTPCPL, under which Plaintiffs have no private cause of action. Accordingly, Plaintiffs are not entitled to attorney's fees under 42 Pa. Cons. Stat. Ann. §§ 1726(1) and 2503(9)--(10).
IV. Conclusion
For the reasons detailed above, Great American's Motion to Dismiss is granted in part and denied in part.
An appropriate Order follows.
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Dieu du ciel: "Outstanding microbrewerie on the Plateau" Montreal Nightlife Tip by yooperprof
Montreal Nightlife: 269 reviews and 185 photos
A helpful and informative fellow who I met at the Mondial de la Biere directed me to this outstanding brew-pub in the Plateau neighborhood. He said that "Dieu du ciel" is generally regarded as setting the standard which other micros in the Montreal region aspire toward. It might not look like much on the outside, but inside you will indeed discover a heavenly assortment of some of the best beers in North America.
Food options here are quite limited, so you might want to arrange your eating schedule accordingly - it's not the place to match a fine meal with an outstanding beverage. (I had to make do with nachos.)
Address: 29 Avenue Laurier Ouest
Directions: About a ten minute walk from the Laurier Metro stop
Phone: 514-490-9555
Theme: Eating and Drinking
Website: http://www.dieuduciel.com/fr/accueil.php
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Edible mushrooms are the fleshy and edible fruit bodies of several species of fungi. Mushrooms belong to the macrofungi, because their fruiting structures are large enough to be seen with the naked eye. They can appear either below ground (hypogeous) or above ground (epigeous) where they may be picked by hand. Edibility may be defined by criteria that include absence of poisonous effects on humans and desirable taste and aroma. Edible mushrooms are consumed by humans for their nutritional and occasionally supposed medicinal value as comestibles. Mushrooms consumed by those practicing folk medicine are known as medicinal mushrooms. While hallucinogenic mushrooms (e.g. Psilocybin mushrooms) are occasionally consumed for recreational or religious purposes, they can produce severe nausea and disorientation, and are therefore not commonly considered edible mushrooms. Edible mushrooms include many fungal species that are either harvested wild or cultivated.
Contributions by Jatlas, Thibbs, and Debivort.
Chaga mushrooms are used to make a tea, which is thought to have health benefits...


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Kala Kunj
Jewellery and Watches
At Kala Kunj we deal exclusively in international standard 22/22.K Hallmark purity gold, 24.k exquisite Kundan/Polki sets and 18 k Diamond jewelry. We never give a chance to our customers to complain about the items that we make and the quality that we offer them. We basically deal in Fancy Watches, jewellery items like Gold, Kundan, Silver, Diamond and all kinds of jewellery.
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- Kala Kunj
- E 40 B, Lal Bahadur Nagar, JLN Marg, Jaipur, Rajasthan 302017
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o HSS Drill bit manufactured to DIN 338.
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IHG's 2017 First Quarter Promo Unveiled
IHG Rewards Club has just announced their first promotion for 2017, called Accelerate.
IHG Rewards Club has just announced their first promotion for 2017, called Accelerate.
You are essentially getting the AMEX Gift card for Free.
Looking at this is like taking a mini-trip around the country. The pictures show off our glorious state parks, aquariums and beaches, our love of amusement parks and sporting events, our University pride, and of course, our love of Disney.
Utilizing the midnight sun that beams 24 hours a day in the summer, there are solar panel powered cooling systems to keep it from melting.
The LA Times quotes a Marriott spokesperson as saying that the religious books don't fit the "personality" of the fun-loving Millennial hotels.
This has to be the cutest contest I've come across so far this month. With his festive scarf, twiggy arms and cheery bright eyes, Iggy is an endearing snowman.
Donald Trump doesn't actually own the property but it bears his name because of a licensing agreement, and Mr. James' boycott isn't a surprise since he was a Clinton campaign supporter.
They've already given away 25,000 Hyatt Gold Passport Points and Norwegian Airlines CashPoints, so there is no time to waste!
Sometimes you're stuck at work or away from home when you really wish you were surrounded by Christmas cheer.
Was it a hotel guest with a background in crime that simply couldn't believe his good luck?
Friday afternoon a weary businessman laid down on his hotel bed for a quick late-afternoon snooze when all of a sudden he heard two bangs and the unthinkable happened – a man fell through the ceiling.
If you are staying at a nearby hotel you might be lucky enough to be within walking distance to some of these delicious and decadent treats.
While the chance of getting a prize is much, much lower than last year, if you win they are all excellent prizes!
Then, it came to him. He could paint a couple criss-crossing red bands on the white hotel to make it look like the hotel was a great big present!
Small decorative presents were nestled under the tree with shiny bows gleaming. Boasting attendance by glitterati and celebrities, the cocktail reception's fancy tree didn't go unnoticed, and ornament pricing was listed as ranging into the thousands for each, with a grand total of 150,000 Euros for entire tree's decorations. Photos were snapped as celebrities posed. There was just one problem –
Yesterday we saw Expedia run a flash sale offering a 8% off coupon, and today Hotels.com is running a sale that is similar.
The odds of winning are such that everyone will win a prize, with the minimum being a $10/£5 discount for tours/activities.
As 2016 comes to a close, Instagram has revealed the most Instagrammed hotels and resorts of 2016.
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Mumbai based Taj Hotels Resorts and Palaces has announced a reciprocal loyalty alliance with Hong Kong based Shangri-La Hotels & Resorts.
Prepayment is required, but unlike many Expedia coupons there is no minimum spend requirement. There is also no minimum stay requirement.


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How do I get my five month old baby to drink out of a bottle?
I am a stay at home mom but at night I attend classes for three to four hours. I have exclusively breast fed my baby from the beginning. My baby refuses to frink out of a bottle even if I leave breast milk for her at home. Please help, her dad can't take care of her this way!
Posted: 05/27/2010 by Latoya32
Answer this question


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Having undesirable fat in numerous locations of your body can have a considerable effect on your health and self-confidence. While traditional weight reduction through workout and diet plan is a terrific method to lose weight overall, even the best workouts can't target issue locations like the belly, inner thighs, arms, and buttocks. Liposuction is a time evaluated treatment that is utilized to get rid of excess fat from particular locations of the body, allowing a specific to form and contour their body to their taste. Is liposuction right for you? Learn now.
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• Proven and safe. This cosmetic procedure has actually been carried out by skilled surgeons all over the world for years and the method has been improved over and again to be safe and efficient.
• Healing time is generally fast. The downtime needed after having this kind of treatment is generally much less than what is needed for other kinds of cosmetic treatments, including abdominoplasty, breast reduction, and more. People who have had the procedure can typically return to work much more rapidly than they expected and can return to living a healthy, active way of life.
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• Problems with general anesthesia. Due to the fact that liposuction is performed under general anesthesia, the treatment brings the very same risks as any other type of surgical treatment where general anesthesia is used. Hidden medical conditions may increase these risks.
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It's a nice day for the solar sector, which is getting a boost from a flurry of analyst comments following the recently completed Intersolar trade show in Munich.
"By the end of Intersolar, we sensed growing, ableit cautious optimism," Cowen's Robert Stone writes in a research note Monday morning. "ASPs are still uncertain, but volumes should definitely be up in Q2/Q3, and deals were starting to close." He says that despite a strong rebound in the stocks since early March, the group "remains mostly undervalued."
Likewise, Thomas Weisel Partners analyst Jeff Osborne writes that "it appears demand trends in Europe are accelerating with many companies indicating a 40%-100% increase in units in Q2 sequentially, lead mainly by Germany with some credit easing in Mediterranean countries a well." Osbrone writes, however, that the solar market remains "dysfunctional in many regards, with the demand outlook flattish at best in 2009 vs. 2008." He contends the recent rally reflects a rising Euro, an increase in oil prices and a return to investing in high beta names.
Barclays Capital analyst Vishal Shah writes that several German distributors have placed new orders with Chinese module players, "suggesting to us that inventory levels are depleted and product is getting installed." He says checks suggest both Suntech and Yingli won significant business at the show, and that distributors are shifting toward lower ASP product to increase margins. Shah remains bullish in Yingli and JA Solar, while advising profit taking in Canadian Solar and Solarfun.
FBR Capital's Mehdi Hosseini writes that while the buzz was about the pickup in project activities and the associated procurement, "what we observed is that [a] majority of discussed projects have yet to be financed!" He also writes that after meeting with more than 40 companies at the conference, "many cell and module manufacturing companies have become incrementally positive and optimistic," with project activity picking up. However, he adds that "as the discussion carried to contracts from downstream companies…the level of enthusiasm lessened somewhat."
Here's a rundown on some of Monday's calls:
- Suntech (NYSE:STP): Credit Suisse analyst Satya Kumar upped his rating on the stock to Neutral from Underperform, with a price target of $16.50, up from $8.50. "We were previously concerned about excessive expectation of Chinese demand in STP's stock, industry oversupply and balance sheet." But he writes that post the conference, he reports that several banks expressed confort banking solar projects that have panels from Suntech and Yingli but not other Asian vendors. Kumar also says China is set to announce a new feed-in-tarriff for ground-mounted installations. Also this morning, Morgan Stanley's Sunil Gupta upped his rating on the stock to Overweight from Equal Weight, with a target of $20.10, up from $7. He cites three drivers for the stock: sharper-than-expected ASP declines, providing demand elasticity when credit conditions thaw; industry focus on cost reduction; policy tailwinds once the economy starts to heal.
- Trina Solar (NYSE:TSL): Collins Stewart analyst Dan Ries repeated his Buy rating, and raised his target to $30, from$22.
- Yingli Green Energy (NYSE:YGE): Piper Jaffray's Jesse Pichel repeated his Buy rating and raised his target to $17, from $13, citing "strong Intersolar data points and multiple expansion in the peer group."
- First Solar (NASDAQ:FSLR): UBS analyst Stephen Chin repeated his Buy rating and boosted his target to $225, from $180. He says checks find spot polysilicon prices have been at $80/kg for the past 3 weeks as new entrants from China have stopped lower prices as they may have reached a price equal to manufacturing costs. (First Solar doesn't use poly; declining prices on poly erodes its price advantage over silicon based systems.)
- Finally, Think Equity analyst Colin Rusch launched coverage of a number of solar stocks, and is bearish on all of them. He began Energy Conversion Devices (NASDAQ:ENER), LDK Solar (NYSE:LDK) and Canadian Solar (NASDAQ:CSIQ) with Source of Funds ratings, while starting JA Solar with a Sell.
In Monday's trading:
- Suntech is up $1.09, or 6.7%, to $17.43.
- Trina is up $1.03, or 4.2%, to $25.80.
- Yingli is up 92 cents, or 7.2%, to $13.72.
- First Solar is up $1.74, or 0.9%, to $192.03.
- SunPower is up 80 cents, or 2.8%, to $29.83.
- Canadian Solar is up 45 cents, or 3.4%, to $13.68.
- JA Solar is up 32 cents, or 7.6%, to $4.55.
- SolarFun is up 30 cents, or 4% to $7.78.
- Energy Conversion Devices is up 27 cents, or 1.6%, to $17.48.


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Protocols, Lesson 3: The Internet Protocol header
This article gives you a straight-to-the-point lesson on the IP header.
This Article Covers
IP Networking
When a computer receives a packet from the network, the computer will first check the destination MAC address of the packet at the Datalink Layer (2). If it passes, it's then passed on to the Network layer.
Keys to Managing Your Network in a Changing Dynamic
What does it really take to unify network management? In this guide, we examine today's unified network management tools, which vendors are doing what in the market, and what this means for you, the modern network manager.
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At the Network layer, it will check the packet to see if the destination IP address matches the computer's IP address. (If the packet is a broadcast, it will pass the network layer anyway.)
From there, the packet is processed as required by the upper layers.
On the other hand, the computer may be generating a packet to send to the network. Then, as the packet travels down the OSI model and reaches the Network layer, the destination and source IP address of this packet are added in the IP header.
The IP header
It's worth noting that the 9th field, which is the "Protocol" field, contains some important information that the computer uses to find out where it must pass the datagram once it strips off the IP header.
If you remember, TCP and UDP exist on Layer 4 of the OSI Model, which is the transport layer. When data arrives at a computer and the packet is processed by each layer, it needs to know whereabouts above to pass the data. This protocol field tells the computer to give the remaining data to either the TCP or UDP protocol, which is directly above it.
The destination IP address is another important field which contains the IP address of the destination machine.
The next section talks about the five different classes of IP address.
Return to the introduction or continue to Lesson 4.
Click over to Firewall.cx for more articles like this one. You don't have to register or jump through any hoops. All you do is get the networking information you want. Copyright 2004 Firewall.cx.
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text: The Best Products of 2012 These are the 99 products and services that we deemed the best of the best this year. Before you start your holiday shopping, consult this list. Contents The Best Products of 2012 Desktops Laptops Tablets & Ebook Readers Mobile Devices PC Peripherals & Components Storage Audio Cameras & Camcorders HDTVs & Home Theater Mobile Apps Security Software & Internet Networking Printers Projectors Scanners Gaming   PROJECTORS INTERACTIVE DATA PROJECTOR Epson BrightLink 485wi $2,200 %displayPrice% at %seller% The Epson BrightLink 485Wi is a compelling pick as an interactive projector if you don't require 3D capability. It offers a bright, high-quality image plus innovative features, including automatic calibration and the extension of interactivity to any image source. It's more expensive than the competition, but the price includes two pens and a mount.Tony Hoffman MOBILE PROJECTOR 3M Mobile Projector MP410 $599%displayPrice% at %seller% The 3M Mobile Projector MP410 offers a more than attractive balance of brightness, size, and features, including the ability to read files from various memory sources. It earns a lot of points for having less of a rainbow effect than most of its 300- and 500-lumen competition, and it offers somewhat better data image quality, with more readable text.TH HOME ENTERTAINMENT PROJECTOR Epson PowerLite Home Cinema 710HD $649%displayPrice% at %seller% If you can make do with 720p resolution in a family-room projector, the Epson PowerLite Home Cinema 710HD provides a winning combination of low price, high brightness, solid image quality, connectivity choices, and built-in sound system. Its 2,800 lumens will let you project a large image in a fairly bright room, and its image quality is better than many HDTVs can manage.TH HOME THEATER PROJECTOR WITH 3D Epson PowerLite Home Cinema 5010e $3,000 %displayPrice% at %seller% The Epson PowerLite Home Cinema 5010e is an impressive projector for its price, with a bright, high-quality image; an absence of rainbow artifacts; and a variety of useful features, from zoom and lens shift for easy setup, to auto-iris, frame interpretation, and 2D to 3D conversion. The balance of features, and particularly the high level of both 2D and 3D image quality, made it an easy pick as Editors' Choice.TH


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|Reviews for Amber Forest
| Guest chapter 3 . 7/1
*Dramatical voice* "The first stars shone through the city gloom, as the sound of the puppy's curses filled the air."
| Mangagirl4 chapter 25 . 6/23
Just read this for the second time, and love every moment of it!
| skenshingumi chapter 25 . 5/23/2015
Wow, what an ending! I've been away from my beloved fanfiction for almost 2 months so I had the final 3 chapters to get caught up on. I thought pairing Misao-Aoshi against Usui was a daring twist for the reason you cite in your AN re Aoshi's attack but I enjoyed how you had Miaso & Aoshi's work as dual kodachi. The Shishio-Kenshin fight was very good but It's the final chapter I really have to comment on. I loved that image of Kenshin howling over Shishio's body calling/hoping for his pack only to be missing the most important voice. A veritable one-two punch to Kenshin & the reader not to get complacent! Great action & exciting transition to a key villian. I loved the line about Kenshin coming prepared for war but not for vengeance. Kenshin's journey of discovery and acceptance cannot be complete until he faces this most personal pain. You did a brilliant twist in this with Kaoru actively engaged & each protecting the other. You walked a line here that most writers seem to miss. Kaoru isn't a second Kenshin but her support & help can turn the tide. The aftermath was sweet, well (and not over) done. Kaoru's hazy thoughts as she come to and tries to stay next to Kenshin are funny & keep the tone light. And of course, sweet job with both Kaoru's & Kenshin declarations of love. You brought a good story to an even better place with this last chapter. Congrats & thanks!
| Ran chapter 25 . 5/12/2015
oh man, this is such a good ending! ive been followin this story for a while, and i gotta say, you do NOT disappoint oh maaannnn this is so good thanks for writing it!
| Smilekuma4 chapter 25 . 4/27/2015
;-; I will miss this story but I really love the final fighting way! That you include Kaoru to standing up fight! Also I love how bit hint of Kaoru and kenshin romance during final chapter to each other. Since they don't really show affection much!
Aww I would like see story after they back home. But I respect your reasons! Good thing...you did draw kenshin & Kaoru's puppies! So I can be squeal about imagine their puppies.
I really like this plot that you did make kenshin characters turn into animal without shifted to human. If I could vote! I would give you 4.95 out of 5 star! The .5, because I would like see one more chapter.
P.s. It's my first long review so I hope it's not bother you! Just being a super fan to this story :D
| Compucles chapter 25 . 4/23/2015
Well, an epilogue would've been nice, but this was still a fitting ending to this wonderful story. It's amazing how well you were able to translate the story of "Rurouni Kenshin" into a setting of (mostly) canine packs.
| petitefeeme chapter 25 . 4/22/2015
I'll always come back to re-read your story with fond memories. The last fight was well written, and I was so glad to see Kaoru fight by Kenshin's sight.
Tokio made an appearance! Yay! She's deviantly clever, keeping Yahiko grounded.
I'm just...a bit disapointed, I admit, with how abruptly the chapter (and story) ended. I wouldn't have said no to an epilogue or sort, or even a bit more length in this chapter to see them reunited with Tsubame, Tae and even Katsu. But you're the author and it's your story.
I feel really nostalgic writing my last review, so I'll cut tshort (I hate lengthy goodbyes). Reading your story have been a pleasure, epecially with the shortness of wolf-kenshin fanfics. You actually inspired me to write my own wolf fic, though it will not be on Rurouni Kenshin (and it will take a long time to post, I don't like begining to post chapter before finishing the story and I have other fics that have priorities).
...okay perhaps in the end the goodbyes weren't that short...
Anyway, good last chapter, love your story.
| Melime14 chapter 25 . 4/21/2015
Soooo good! Congrats on finishing! I am curious what exactly Hiko told Kenshin when they were parting.
| Wind Dance Wolf chapter 25 . 4/21/2015
| UrmixMoonstone chapter 25 . 4/21/2015
Oh my god! I couldn't believe it ehen I saw the completed icon on the story! Oh my god. It was perfect and sweet and didn't have a damsel in distress Kaoru doing nothing. Yes. Yes. Holy hell yes!
Loved it. Absolutely. And loved the appearance of Saito's pack. I wonder what Hiko told Kenshin in the end- I can make a good guess though ;) and I absolutely wouldn't have minded any cheesy epilogues. In fact, I might insist on it. And I'm now rambling but it's just so awesome and perfect and amazing and perfect! Thank you for sharing such s good work with the rest of the RK fandom
| Smilekuma4 chapter 24 . 4/14/2015
Ooh wow I don't see that come! I can't wait for next chapter! look like kaoru have to save herself since nobody her pack mate are near her!
| madman42 chapter 24 . 3/20/2015
Awesome chapter! I love the fight scenes! More soon please!
| petitefeeme chapter 24 . 3/10/2015
Oh my freaking gosh the shock!
I have to applaud, this plot twist is unexpected (like any good plot twist should). Only now I remember your drawings of him on deviantart and the discreet imply that he could be in the story.
This is bad. Yahiko is injured, Megumi is busy healing him and Sano has to stand guard over them. I think Hiko is too far and Kaoru and Kenshin are heavily injured...the suspence is unbearable. I do hope the next chapter will be coming soon and that no one is going to die. Is Kamatari going to do something?
Anyway, I was honoured to be included in your awards (I didn't peg myself as a sleuth, but I'm still pleased). So thanks! Until next chapter.
| Wind Dance Wolf chapter 24 . 3/9/2015
| skenshingumi chapter 23 . 2/8/2015
Good chapter. I like the idea of Misao and Aoshi actually fighting together and I thought your choice of moves to bring Usui down was a good one. My favorite part, though was having Misao recognize herself as a survivor.
I am really looking forward to the ultimate fight between Kenshin and Shishio.


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Europe and Central Asia
No deal to protect the seas, EU wrangles over details
Tue, 15/12/2015
What we took from the sea this year: a look back at Europe's fishy marine dealings in 2015.
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Europe and Central Asia
Farming flaws: why 2015 was another poor year for EU agriculture
Mon, 14/12/2015
Greening implementation, policy simplification and farmer protests prove the system is broken.
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Court blocks major road development threatening Turkish grouse populations
Fri, 11/12/2015
BirdLife's Partner in Turkey, Doğa Derneği, has some good news regarding the ironically named 'Green Way' road development.
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Now The Netherlands joins fight to save Europe's Nature Laws
Tue, 08/12/2015
The Netherlands has today joined the ten EU countries who've already publicly stood up for Europe's key nature laws.
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Romanian conservationists and hunters unite to save a threatened bird
Mon, 07/12/2015
The Red-breasted Goose is getting help from an unexpected quarter.
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More than a quarter of UK birds now of 'highest conservation concern'
Thu, 03/12/2015
The Curlew, Nightingale and Puffin join the growing list of threatened birds, while the Bittern and Nightjar get a reprieve in the new 'Birds of Conservation Concern' report.
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Europe urged to do more to tackle threatened African wildlife
Thu, 26/11/2015
Conservationists are welcoming the launch of a new European plan to help protect wildlife in Africa.
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Europe's wildlife needs renewables success
Thu, 26/11/2015
Wildlife in Europe needs the transition from polluting energy sources to renewables to be a success, according to a new study.
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How the EU "Fitness Check" can become a game changer
Wed, 25/11/2015
On behalf of BirdLife Europe and NABU (BirdLife in Germany) we would like to invite you to our workshop on Tuesday 1st December 2015.
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Compatibility: Requires iOS 4.3 or later. Compatible with iPhone, iPad, and iPod touch.
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If Washington and/or Clemson loses this weekend, I have a tough time thinking ttun should be in the playoffs. Look what happened last year when we lost to sparty. Clearly, we were the better team but we had to pay for a November loss. The fact ttun had TWO losses this November leads me to believe they have to pay for their late season losses.
Member since 24 August 2012 | Blog
- SPORTS MOMENT: Ohio St winning the National Championship against Miami
- COLLEGE FOOTBALL PLAYER: Michael Jenkins
- COLLEGE BASKETBALL PLAYER: Stephen Curry
- NFL TEAM: Cincinnati Bengals
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Anyone who knows how Mike Brown and this organization operates will know that even if we do miss the playoffs, Marvin will keep his job. He is under contract through the 2017 season and Brown is too cheap to buy out the contract and sign another. After 2017 it wont be "Marvin got fired" He will say he's going to retire. Yes, it does suck and yes they are taking a step back this year. Is it the playoff loss still looming? Who knows... As far as I can tell this year, the problem is both the personnel and scheme. O-line sucks, d-line can not get a push and it baffles me that our best player AJ Green doesn't touch the ball more.
Excellent read Ramzy. Made me feel like I was right there with you haha
Can't wait for Saturday. Go Bucks
I'll say 45-20.
They hang with us for the first half. We will start pulling away in the 3rd quarter and midway through the 4th, Urban will call off the dogs. He doesn't want to embarrass BGSU
Keep shouting BOOM!! Time to sit back and reflect on the depth chart. Bring on the Spring Game!!
I will say Arizona St over TAMU
Washington over Boise State
Louisville beats Auburn
I will say Arizona St over TAMU
Washington over Boise State
Louisville beats Auburn
I watch games at my house with family only. Cant deal with smart comments at bars about our silver bullets. One shot before kickoff and beers the rest of the way. Same OSU shirt under either a red or white jersey (depends on home or away) as long as they keep winning the shirt and jersey does not get washed. Needless to say, it has not been washed since after the VT game.
More Cardale beat downs in NCAA
Same Ohio State t shirt under my jersey. I alternate jerseys depending on home and away. I have to watch every game in my own house with only a few Buckeye fans. They cant be fans of any other team. Add in some brews and tailgate food and I am set.
I played Turtle Bay with my Grandfather and Uncle in Hawaii. Challenging course right on the coast line on Oahu
Try Kenwood mall or Rally House at Rookwood Commons. Some nice restaurants around Rookwood too
I still want to see what Terry McLaurin can do this year. He was a monster in HS
I have thought about moving to Florida too. Specifically, Orlando. I have a cousin that lives down there. I am kind of in the same boat as you in regards to good job, no wife, no kids. Being in my mid 20s it has always in the back of my mind about moving down there. I love the great state of Ohio but cant stand the cold weather.
Mayweather should win even though it will be a good fight. His footwork even in the later rounds is impeccable
Do you know anything about this QB transfer from Eastern Washington? Everything I've read about this FCS transfer makes it sound like he is the greatest.
Ohio St
Either USC or UCLA
I know Joe Lunardi is an idiot but currently he has us as an 8 seed facing VCU. Scary matchup
I work in Retirement Plan Services at a financial company. Gotta love monday through friday jobs
There will be books written and movies made about this past season. The story about how we handled so much adversity through the season clearly makes THE Ohio St the most unique national champion of all time. How firm thy friendship...O HI O
I think Stoops is that home run hire that they are looking for I just hope its not him. Cant really see why he would leave Oklahoma especially since they gave him an extension last year. Thoughts on Mike Gundy, Patterson or Whittingham?


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Is this an outdoor attraction or activity?
Is this attraction pet friendly?
Would this be a good hot day activity?
Is this attraction suitable for all ages?
Would this be a good sunny day activity?
Is this attraction popular with tourists?
Does this attraction require above average amounts of physical activity (long walks, climbs, stairs or hikes)?
Does this attraction have good scenic or skyline views?
Is this attraction good for couples?
Is this attraction a "must-see" location?
Thanks for helping!
This historical bridge is a popular subject for photographers.
this is such an amazing experience visiting the famous Bixby Bridge. words can not discribe the incredible view. It is so breathe taking. something I will remember for ever...
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this is such an amazing experience visiting the famous Bixby Bridge. words can not discribe the incredible view. It is so breathe taking. something I will remember for ever. Make sure you visit both sides of the road as the view is totally different from both sides.
Incredible experience driving over this bridge, views are amazing! You almost feel like you're in a movie
This is what you will find if you look at images of Big Sur. Driving from the north you come acroos it very quick and can be driving on it before you know it. There is a small turn off that gets very busy, so if its full try the other side of the road. There is also a very...
The drive from Simeon to Carmel is one of the most awe inspiring in the world. Shockingly beautiful vistas of the Pacific. Amazing hairpin turns and up and down. I wouldn't want to do it at night and you have to be careful, but it is an unbelievable drive and Bixby Bridge is one landmark that has been on every...
Driving on the bridge, it lasts a few seconds. But when I'm looking at it from short distance, it feels like it should last longer. Off to the side of the road after the bridge is a nice vista point that gets pretty busy. Some people will have to park on the dirt road on the other side of the...
Made the drive up the coast and this was one of the spectacular views along the drive. Nice no cost thing to do in the area. Just watch up for the bikers that are sure to be sharing the road with you along the way.
The view on the bridge was clear, but everything behind was covered in fog. Nevertheless, it was still pretty impressive and worth a short stop to take some pictures.
Bixby bridge is a beautiful reminder of why the central coast is a majestic place. I always find time out of the year to spend quality time in the central coast. So thankful for the beauty that I witness when I'm here. I bring my family of 6 every year camping to Big Sur and I plan a camp out...
With all the hype I had expected this bridge to be more dramatic and larger.
It is certainly iconic but, from the North it wasn't even signed as coming up soon and so we had to pull up and go back to have a proper look.
Travelling up Highway 1 we missed the pull in area before the bridge, but we pulled into the area after the bridge to take some photos.
It's amazing sight.
Plenty of room to park up and scramble down the rocks to get some great photos.
Own or manage this property? Claim your listing for free to respond to reviews, update your profile and much more.
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"CD Catalog Expert" snapshot
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CD Catalog Expert is a cataloging tool for organizing all kinds of your media collection, including files, folders, CD/DVDs, Movies, MP3s, hard disks, network drives and multifarious removable disks, etc. It helps you to easily view and find all necessary files, folders and disks without inserting any disc. Easy to use and familiar Explorer-like user interface with reasonable default settings allows beginners start their cataloguing at once. And power users may use advanced features and options to do more. The hierarchical categories, descriptions for every file, folder or disc, extensive search capabilities, combined with powerful report generator and convenient favorites manager, all that should bring you the ultimate tool to handle your media collection.
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Inspirational looks combine with convex blades and ergonomic offset handles for a scissor that's designed to unleash your creative genius.
Available in 2 sizes: 5.5 and 6 inches.
These innovative sectioning clips feature pegs on their inner surface (see detail picture) which mean they grip hair securely and stay in place.
They measure 13-cm long and come in packs of 6 in Black or Pink.
Stamped with the Kobe logo as your assurance of quality.
Cowboy-style, hard leatherette scissor case with 5 scissor loops and space for combs and clips too.
Can be worn on your own belt or using the webbing shoulder strap supplied with it.
Slicing scissor with a thumb ring that twists through 360° for a better cutting position and for tackling the latest vertical cutting techniques.
Available in either 5.5 or 6 inches.
Reduced to clear!
Animal-patterned slicing scissors featuring convex blades and ergonomic even handles for high performance and high comfort.
Comes in 5.5 inches only.
Classic, even-handled barber's thinner with 32 teeth and a smooth cutting action, all in a matt black finish with gold detailing.
6-inches long.
Smart, dark grey scissor case made from sturdy leatherette with a secure zip to keep everything safe.
Inside there are loops to hold 2 scissors on one side and 2 slots on the other for your favourite combs.
The outside of the case is embossed with Kobe's disctinctive logo.
Revitalise your tools with our professional services
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Hi Ladies! I am quite new to this and not even sure if i am doing this right. Anyway i am 5 weeks pregnant from ivf!! I was so happy to get my BFP!! But last week i was told my thyroid levels were slightly elevated and i had to be put on a medication to regulate it during pregnancy. As soon as i started taking i started to get extreme anxiety and panic attacks. I called my nurse and she told me to cut my dose in half. I did but the anxiety is still there. Today i called back and she said it could take a few weeks for my system to get used to the meds. I am nervous about having anxiety because i feel this could cause me to miscarry from too much stress. I hope it levels out and i am trying to be patient but this is killing me. Anyone else suffer anxiety during a pregnancy and go on to have a healthy baby? I need peace of mind!!!
Welcome! I would encourage you to join a birth board. Go to the quick Navigation bar at the bottom of the screen and click on the board you are do in.
Some natural things that wouldn't hurt the baby that might help with anxiety are-
Yoga, or Tai Chi, breathing exercises, maybe get into a group, I like Dr. Lam, you can buy his dvd's, he is very mellow I use his Tai Chi for arthritis.
Bach Rescue Remedy (it is flower essence extract) you put drops into water.
Chamomille either herb as a tea/tincture or homeopathic remedy.
Valerian (herb) more intense stronger herb, I took it during pregnancy it helps with sleep. But I also gave it to infants when teething for example
Kava Kava, helps a lot with nervous tension, I have Restless Leg Syndrome and it super helps with that. (check online on HERB website about pregnancy for this one, not on medical dr websites, they don't want to use anything "natural :)).
Foods--- things with Tryptophan - it helps with the serotonin in the brain :).. google.
Drink lots and lots of water to flush the extra meds you took... and to help your body process this new med. Consider calling another dr for a 2nd opinion if it gets too bad or doesn't go away.
Good luck!
What dosage did they give you for your medication and what is slightly elevated?
A lot of women get anxiety during pregnancy for various reasons, many for the same reasons you may be feeling anxiety. I would find someone to talk to about your anxiety. Take a look on your birth board as often ladies post their concerns over there and are a great resource for talking, venting, or sharing ideas for handling their worries. Pregnancy can really take a toll on us emotionally so it's always good to reach out more during this time and develop more social support. Rivergallery has some great ideas as well.
I can understand your anxiety. You've been through a lot to get pregnant. IVF in itself is very stressful and you fear something happening during your pregnancy. Also, the hormones from pregnancy could increase anxiety. I agree, join a birth board or come join us over on the IVF board. There are women there that may be able to share in your experiences.


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Peanut Butter and Butterscotch Fondue
Barbara Oseland
Every year during New Years, you can see me at home of with a few friends. A few warm snacks is great to have on hand. This year, not only will I celebrate New Years this way, but Valentines Day as well! Dust off that Fondue pot, cut up some snacks and dip away!
Featured Pinch Tips Video
Directions Step-By-Step
1In a medium saucepan, warm the milk over medium heat. Add the butterscotch morsels and cook, stirring, until smooth, about 10 minutes; remove from heat. Whisk in the peanut butter until smooth. Stir in the boiling water.
2Transfer sauce to fondue pot to keep warm. Arrange a platter or decorative plate with fondue skewers, dipping items to serve. Serve fondue warm with the suggestions below or your favorite dippers.
3Suggestions for dipping: Thick-cut bacon, cooked and cut into 1-inch pieces,
Gala apples, cored and sliced,
Pretzel rods,
Bananas peeled and cut into big bite size chunks
Pound Cake cubed
Dried fruits
Fresh fruits
About this Recipe
Course/Dish: Chocolate, Sweet Breads, Other Breads, Other Sauces, Jams & Jellies


text:
ago51 days ago
The EPOS Systems are also known as Tills, in Layman terminology. Before, the EPOS Systems were created, businesses worked on manual details written on paper and maintaining those sheets of papers for all the business details was a task in itself. The jobs of retailers has become simpler, now, with the invention of the EPOS Solution. Buying and selling of goods is easier and maintaining records for the same is not as difficult as it used to be.
The EPOS Systems installed in a retailer's store is a solution to all the EPOS –related problem of a retailer. The advanced EPOS Systems of today consist of a touch screen monitor as a part of display unit, hardware devices such as the barcode scanner, printers, etc. that would be attached with the computer. The number of devices can increase, decrease or change as per the requirement of one's business. The hardware devices are additional sources that depends on the needs of a retailer. Along with these there are other devices available too such as weighing scales, mobile PDA (Personal Digital Assistance), tablets, customer displays, cash drawers and chip & pin machines.
The electronic point of sale (EPoS) system is also known as Till, which is created specifically for retailers to record the sale of products and services to the customers from their stores. With the use of EPoS, the retailers can perform multiple operations, just by tapping on the buttons. It is the front-end operation of a store that is basically designed to perform multiple transactions, for selling products and taking their business to great heights. Contact us at MSP Systems and we assure you that your complex transactions will be handled with ease, by not only the store-owners, but by the cashiers and others as well!
ago51 days ago


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Business, Careers, Management & Marketing, EducationFollow
Awarded as an iTunes Best of 2014 podcast, The $100 MBA Show is a new kind of business podcast where you simply get better at business with our daily 10 minute business lessons for the real world. These no fluff, 10-minute episodes are packed with only the pure business building training you want.

 Omar Zenhom shares some of the best business lessons, concepts, examples and insights from inside The $100 MBA training and community. Omar also calls upon some of the industry's top experts as guest teachers on the show. Again, no backstories or promotions, just solid business lessons from the best in the game.

 Life is busy, we know. But we also know you need to always be growing as a business builder. That's why all our episodes are about 10 minutes or less and subscribers get a fresh episode everyday, 7 days a week. Very cool.
July 27th, 2015
Episode 351 of 861 episodes
Erik Kerr, Co-Founder of The Draw Shop, is on our show today to teach us in six steps how we can ensure that our value is communicated properly to our audience. Communication is the mother of all skills! If we don't communicate properly, we will be misunderstood, our message will be misunderstood and our audience […] The post MBA331 Guest Teacher: Erik Kerr- How to Ensure Your Value is Communicated Properly To Your Audience appeared first on The $100 MBA.
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The World's Greatest Music
On now Smooth Classics with Myleene Klass
Email the show or Text 61812
The iconic British composer was joined on stage by Classic FM's very own John Suchet for an exploration of his life in music – and a bit of a surprise birthday celebration!
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Composer John Rutter, whose choral works are performed around the world, spoke about his life and music with Classic FM's John Suchet. Picture credit: Samuel Bay
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Symptoms of shortness of breath with cardiac pacemaker warrants investigation with echocardiography
Q: My mother has a heart condition and pacemaker. Lately she is starting to get shortness of breath. We went to her heart doctor and he gave her a nasel spray which has helped. Could the shortness of breath be more than allergies?
A: I think it is very unlikely that the shortness of breath is due to allergies. If she is completely dependent on the pacemaker, her shortness of breath could be due to a change in the electrical activity of the heart and reduced efficiency of the pumping ability of the heart. I would recommend that your mother attends a cardiologist and is referred for a heart scan (echocardiogram) to assess her heart function.
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text: We were recommended Midtown Grill from a relative during our city break to Berlin. We found it easily and were not disappointed. We visited around 3:30pm so the restaurant was very quiet but we didn't mind. The decor is lovely and we were shown a lovely table in the window. The staff were very good, very attentive. We both ordered... More


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Can Janatha Garage cross Attarintiki Daredi USA Collections ?
Janatha Garage collected $1.75million at USA Box office till now, while Attarintiki daredi stood in 5th position with $1.9Million. So can Janatha Garage collect another $151k in its further run ?
As per experts it has chances because This week, there are no other big releases. So during the weekend, if it manages to rake $100k then it can cross Attarintiki daredi collections otherwise it will be difficult as next week Nani's Majnu is going to release. So lets wait and see.
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text:
1943 Dunlin Court NE, Grand Rapids MI, 49505
Sold Price:
3 beds , 3 Full/2 Half baths
1,240 sqft
Status: Closed
Last Updated: 12/8/2016 6:13 PM
Description for 1943 Dunlin Court NE Grand Rapids, MI 49505
Spacious end unit ranch style condo in desirable Knapp Valley. Great location, close to Knapp Corners shopping area. Move in ready, newly painted throughout and new carpet. 1 bedroom 1 baths and study/office on main level open floor plan with cathedral ceiling for large living room, dining area and kitchen with breakfast nook. Sliders lead to raised deck overlooking grassy ravine. Lower level has 12 x 21 family room with daylight window large 2nd bedroom and bath, craft room, and tons of storage. Has handicap ramp in garage for easy access.
Sold Price:
Sold Date:12/08/2014
City Of Grand Rapids
3 Full/2 Half
1,240 (approx)
Listing Information
City Of Grand Rapids
Public Sewer
Cable TV, Natural Gas, Telephone
School Information
Room Information
Butler Pantry
Interior Features
Dishwasher, Garbage Disposal, Microwave, Range, Refrigerator
Central Air, Ceiling Fan(s)
Gas Heat, Forced Air
Basement, Daylight
Exterior / Lot Features
Attached Garage, 2 Car Garage
In Ground Sprinklers
0 x 0
Paved Road, Acreage
Driving Directions
Knapp West of East Beltline to Dunlin Court, South to home
Financial Considerations
Listing Price History
Grand Rapids Real Estate
Grand Rapids is located in Michigan. Grand Rapids, Michigan 49505 has a population of 189,340.
The median household income in Grand Rapids, Michigan 49505 is $39,070. The median household income for the surrounding county is $51,030 compared to the national median of $53,046. The median age of people living in Grand Rapids 49505 is 30.9 years.
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