text: Investment Opportunities Agro-Industry Aquaculture Education Financial Services Healthcare Hospitality & Property Development Smart Cities ICT-BPO Life Sciences Logistics Manufacturing Film Industry Ocean Economy Renewable Energy Seafood Print this page Financial Services Banking Mauritius offers a well-capitalized sophisticated banking sector comprising local and international banks which are actively servicing a wide range of retail, corporate, institutional and private client base. Services offered include traditional retail and corporate banking services, international remittance, internet banking, trade and loan finance, global business, investment banking, custodian services, treasury services and ecommerce among others. International names operating in Mauritius include HSBC, Barclays and Standard Chartered among others. Opportunities exist in setting up: Private Banking Investment and cross border investment/ global business Banking Islamic Banking Links: www.bom.mu, www.mba.mu Insurance, Reinsurance and Private pension Mauritius boasts a well-developed insurance sector offering life, general, reinsurance, captive business and private pension. The Mauritian insurance industry is supervised and regulated by the Financial Services Commission (FSC), which is mainly responsible for licensing, regulating, monitoring and supervising activities in the non-banking financial services sector, including the insurance industry. Insurance business in Mauritius is largely private sector owned. It is classified as Long Term Insurance Business (life) and General Insurance Business ( Non-life). According to the Financial Services Commission long term insurance industry generated a total gross premium of Rs 16.30 bn in 2014 as compared to MUR 15.03 bn in 2013, representing an increase of 8%. On the other hand, the gross premium in respect of general insurance business for the year 2014 amounted to MUR 7.41 bn as compared to MUR 7.03 bn in 2013, representing an increase of 5 %. Private Pension Schemes are governed by the Private Pensions Schemes Act of November 2012 and impacts 3 categories of schemes namely: Pension scheme regulated in Mauritius and providing benefits to beneficiaries in Mauritius External pension schemes (usually holding Global Business Category 1 License) regulated / administered in Mauritius and targeting individuals outside of Mauritius Foreign pension schemes regulated in a foreign jurisdiction and is allowed to operate in Mauritius to cover Mauritian-based members/ beneficiaries. Links: www.fscmauritius.org Listings and capital raising Mauritius stands as one of the largest and most innovative capital raising markets of the African landscape. There are currently two securities exchanges licensed the Financial Services Commission, namely the Stock Exchange of Mauritius Ltd ('SEM') and the Bourse Africa Ltd ('BAL'), which complement each other to position Mauritius as one of the most powerful value-creation platform of the region. The SEM offers shares, debentures, bonds, convertible instruments, depositary receipts, exchange traded funds among others. It facilitates international capital raising through multi-currency listing, trading & settlement platform in USD, EURO and GBP. Having adopted an internationalization strategy, the SEM has quickly positioned itself as a capital-raising hub for both regional and global players. Bourse Africa Ltd is the first international multi-asset class exchange from Mauritius that offers trading on commodity derivatives, African and Global currency derivatives, African equity index derivatives and CFDs on commodities and currencies. Links: www.fscmauritius.org, www.stockexchangeofmauritius.com, www.bourseafrica.com Investment Centre for Africa & Asia Mauritius is a strategic Global Business jurisdiction situated at the crossroads of the Asia and Africa. The global business sector was introduced in 1992 and has, since then, been established as one of the leading financial centre of the region. The reputation of Mauritius as an International Financial Centre rests on its global recognition, quality of its services and its pool of highly qualified professionals. Services offered include Company, Funds and Trust formation and administration, fund administration and management and trusteeship services among others. Financial Business Activities that can be incorporated include: Global Business Category 1 companies Global Business Category 2 companies Investment Holding Companies Protected Cell Companies Collective Investment Schemes Captive Insurance Companies Trusts Global Funds (especially investment focused on Indian, Asian, Middle East and African countries) Limited Partnerships Foundations (This list is not exhaustive and the FSC Rules may provide for other financial business activities) Regional Head Quarters (RHQs) and Regional Treasury Centres (RTCs) In line with the Government vision, Mauritius is fast becoming a preferred centre for Regional and Global Headquarters as well as Regional Treasury management. Leading multinationals and regional companies are already setting up their operational, administrative and financial base in the country. Numerous benefits exists for setting up RHQs and RTCs in the country including a favorable fiscal environment and access to double taxation treaties, possibility to employ expats, no exchange control, proven and efficient regulatory system, access to internationally known service providers, and easy availability of highly efficient professionals, amongst others. Mauritius offers the facilities for Aircraft and Ship Registration coupled with a host of advantages. Auxiliary Services Mauritius offers a host of services that completes its financial eco-system, including: Corporate Services Providers Accountancy, tax and auditing services International legal services Investment advisory Asset Management Brokerage houses Consultancy Quick Facts GDP contribution: 10.4% Number of banks: 23 Number of Global Business companies: 22, 010 (as at April 2016) Number of Global funds in the country: 972 (as at April 2016) Employment: 13,000 approx. Contact Us


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Black, Cream, and Blue Tweed Trim "Boy Lego Brick" Acrylic Cuff Bracelet
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Small "CC" logo pushlock closure. From Chanel's A/W 2013 runway collection.
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text: What type of listing is this? For Sale What are you trying to sell/buy/trade? Sony A77 body What are your prices? US $500 OBO Where are you located? USA Where are you willing to to ship? USA Description Very good condition, has some scuffing here and there but very trivial overall. Includes all original accessories, box, manual. $500 + shipping OBO. Also available for local pickup near Baltimore, MD at a steep discount. Payment accepted Regular PayPal (fee included in price) Shipping method Shipping charge Handling time References Additional comments Acknowledgement I have read and agree to the Buy and Sell rules.


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It literally says it might make you sweat. Just in a really fancy way. Lol
It literally says it might make you sweat. Just in a really fancy way. Lol
Terrifyingly good Portal short film
Favourite Protagonists in Games » Chell (Portal, Portal 2)
aperture science at its finest
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i needed some transparent aperture logos so i thought why not sharing them
Freedom's just another word for nothing left to lose
Chell is Mangosirene
Photography by Elemental. Shot at Midoricon 2013
portal aesthetic
What did the human say to the neurotoxin? Nothing, because the human's respiratory system is being shut down from the neurotoxin attacking the body's central nervous system, rendering them unable to speak or scream in agony.
Aren't jokes fun?
Print I did for PRCC!
PORTAL Test Chambers 00 - 19
Made in Adobe Illustrator.
Aperture Science - Plants
Portal 2: The Fall
GLaDOS has some tests for the LEGO Dimensions heroes that can only be solved using the LEGO Toy Pad. How will it work? Watch and find out, there might be cake …
↳Slim's Endless List of Favorite Video Games → Portal 2


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Rosina Hotel: Find photos, reviews, information, amenities and compare prices for 4 stars hotels in Makarska, Croatia.
Featuring a bowling alley, outdoor tennis courts and a Jacuzzi, Rosina Hotel is located in Makarska and offers comfortable accommodation. It is conveniently positioned for those wishing to sightsee in the area.
Hotel description
This 4-star hotel provides meeting rooms, a playground and a safe. There is an on-site spa and wellness centre and a golf course.
Rooms at Rosina Hotel are spacious and offer a flat-screen TV and a mini bar. Individual bathrooms provide a private bath or shower and a hair dryer.
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Rosina is an ideal place to explore nearby Tucepi and Baska Voda, which are within a 10-minute drive. For those who enjoy cycling, the hotel provides a bicycle rental service.
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I can't find any information on the internet about Bill Bene's sentencing, if it has even happened yet. The latest news, that Bene pled guilty and faces up to eight years in prison and hundreds of thousands of dollars in fines, appeared in late March of this year. I don't know what's happened to him since then.
If there are still going to be court proceedings in conjunction with Bill Bene's sentencing, I want to believe that Harold will be brought in as a character witness. The defendant surely will have aged from his appearance in a 1989 Topps card, but Harold will be essentially unchanged after all these years, albeit maybe a little scuffed in places. Maybe his souvenir stand Los Angeles Dodgers batting helmet will be slightly askew.
"I fooled them for a while," Bill Bene said.
This was in 1988, a month before the major league draft. Bene was admitting to a reporter from the Los Angeles Times that his high school career, spent exclusively as an outfielder, had been iffy. He'd known the best he could ever do was bluff and hope.
"I was never a very good hitter," he said. "I guess I was meant to pitch."
I guess.
Last week I discovered the 1989 Topps offering featuring Bill Bene in a friend's box of unwanted cards. I'd never heard of him. A number 1 draft pick? This guy?
I've been discovering bits and pieces of Bill Bene ever since. Yesterday I watched a bird thump head-first into one of my windows.
"Jesus," I said.
"Happens a lot," my wife said. "We need to put up some stickers."
It's a big picture window. The birds are just flying along and wham.
"God, imagine what that's like," I said, pitying birds.
But then I thought about it some more. We can only ever guess. Every single step. And sooner or later we'll smack into something. We'll be stopped.
A couple of years ago, my wife and I drove to St. Paul, Minnesota, to attend a booksellers conference. My memoir was due out in a few months. The publisher sprang for gas money and a hotel room for us. The hope was that giving away bound galleys to conference attendees would drum up some buzz for the book. At the conference, hysteria for my book did not ensue. I wasn't expecting it to, but even so the concrete affirmation that my book was just another book among hundreds of books, thousands of books, dampened my impulse to engage in fantasies of impossible deliverance. And who even reads anymore anyway? It wasn't like I'd made a movie or, perhaps even better, a video game. It was great to have a book coming out, the realization of a lifelong dream. But it wouldn't change anything. I would still be fastened to my life.
Afterward, my wife and I had a couple of drinks at the hotel bar, where a karaoke night was in session. There were maybe twenty people scattered around the bar, watching one another take a turn at the mike. On Words Without Borders, Jean Harris, reviewing Dubravka Ugresic's Karaoke Culture, ponders the karaoke singer.
The hallmark of karaoke culture is a preference for faux versions of real things. So why does this world have a large population that opts for the theme park version every time? Because, according to Ugresic, "the very foundation of karaoke culture lies in the parading of the anonymous ego with the help of simulation games." The denizen of karaoke culture is a cipher addicted to dreaming he's somebody else: the one whose assertion of ego actually gets him somewhere.
Back when I was a kid I used to fantasize about being discovered. It started modestly, when my older brother was in little league. As I watched his games I imagined that a foul ball would bound my way, and I'd scoop it up and fire it back onto the field, wowing everyone with the strength and accuracy of my arm. (I hadn't yet seen The Bad News Bears, where Kelly Leak's superpowers as a baseball player are first announced in just this way.) As the years went on, this fantasy of being discovered got more preposterous, until eventually it involved a limousine pulling up at the edge of our driveway as I was throwing a tennis ball at the duct tape strike zone on the garage door. The backseat window would come down, revealing Carl Yastrzemski's melancholy features creased into a smile.
"Quite an arm, son," he would say. He'd produce a major league contract, holding it out the window toward me. "It's just what we need."
This is a deep American dream: to be discovered. To be seen, truly, and to be told with certainty, beyond any guesswork, that at our core we are aglow. That we have a great gift.
Absurd as it sounds, this is more or less what happened to Bill Bene. Bene was fumbling through the usual descent through baseball that all but the tiniest portion of the population experience, the game becoming harder and harder until it ejects us entirely out of active participation and into passive fandom. For me this occurred when I was fourteen and struggling in Babe Ruth league play. Bill Bene's expiration date as a baseball player was set for when his passage as a guess-hitting high school outfielder concluded.
Instead, former major leaguer Randy Moffitt noticed Bill Bene had a strong arm and suggested he try pitching. According to a conflicting version of the story, this suggestion was made by Randy Moffitt's father, Bill; what is indisputable is that Bene was blessed by the divine intervention of a close family member of Billie Jean Moffitt, Bill's daughter and Randy's sister, who gained renown beyond even that of my imagined fairy godmother, Yaz, under her married name, Billie Jean King. Billie Jean's relation pointed the coach at Cal State-Los Angeles toward Bene, and it was at that institution, on a pitcher's mound, that he would be discovered.
He first took the mound for his college team in 1986. From the beginning, he threw very hard and yet with so much wildness as to be nearly useless to the team. Scouts began to appear, more and more all the time, drawn to his promise, ignoring his flaws, much in the way one falls in love.
His complete college stats are displayed in full on the back of his 1989 "#1 Draft Pick" card. They are not good, as shown most succinctly by a career ERA of 5.62. And there aren't even any positively suggestive "hidden" numbers below that broad-brush metric. He did not strike out more than a batter an inning, for example. Worse, he walked more batters than he struck out. Still, the scouts swarmed.
"We had 55 scouts at one game," Bene's college coach, John Herbold, said, adding for the sake of comedic hyperbole, "and we had so many radar guns going at the same time there was a power shortage."
Somewhere along the line the fluttery hyperbole surrounding Bene began to coagulate into something more solid. By 1988, Los Angeles Dodgers general manager Fred Claire, who by the estimation of awards-givers at the end of that year would be deemed the keenest executive in all of major league baseball, was saying that Bill Bene had the "best arm of any prospect in the country."
The Dodgers selected him with the fifth overall pick of the 1988 draft. In the minors, he continued to struggle. The temptation, with this "#1 Draft Pick" card in hand, is to imagine his story as a tragic fall, but where was he falling from? He wasn't like David Clyde, who'd soared unbeatably through high school baseball, a national sensation, only to smack into an invisible barrier upon his immediate promotion to the major leagues. Bene's nearly instantaneous ascension to the top of baseball had never been anything but an illusion.
I don't participate in karaoke nights, but I sing sometimes. I once spent a year in a cabin in the woods. Because I had no electricity I had no entertainment beyond what I could cook up myself. I played my acoustic guitar and sang all the time. I wasn't singing to heaven. I was lonely, going nuts. I hoped that someone might hear me singing and would be drawn to the sound. A woman, specifically. She'd appear from out of the birch trees, a smile creasing her melancholy features.
"Quite a voice," this beautiful illusion would say. "It's just what I need."
If I discovered anything in my year in the woods it was that there's only one discovery available. There's no word for it, no voice to sing it.
A year or two into Bene's professional career, he was so wild that he was demoted to remedial instruction outside of official action. In a simulated game, where the only other participant was a teammate standing in the batter's box, a pitch got away from Bene, unsurprisingly, and broke the wrist of the teammate. The coaches further modified Bene's remediation, replacing the human batter's box attendant with a department store mannequin.
Bene drew a mustache on the mannequin. He named it Harold.
His pitching briefly seemed to improve, but this was an illusion. His minor league numbers tell the demoralizing story that sometimes people can't change. We can dream of being discovered, of being told we have a great gift, and this dream might even come true, but eventually a second discovery will overtake the first. This latter discovery is the one we pray to avoid: our home in the world has been secured erroneously, and in that home we are a fraud, and upon the discovery of our fundamental insufficiency we are cast out.
This weekend I was reading an FBI document. It had an ad at the back, an attachment provided to illustrate the case being made that AOL be ordered to turn over all email records for a user with the email address email@example.com. This email address appears in the ad, the only contact info provided for the seller of the product being advertised, which is a hard drive containing 120,000 "Top Quality Karaoke Songs." According to some information included earlier in the report, the price for this hard drive, $299, is far below the market value for the songs, which are all protected by a copyright that the seller of the product does not have a claim to. In addition to mapping the particulars of the felony of copyright piracy, the document sets out in painstaking detail the failure to pay taxes on any of the dubious earnings. Piracy, tax evasion: the subject of the report was in big trouble. The ad at the back serves as a disjointedly cheerful epilogue that somehow makes everything even bleaker. "Makes a great gift!" the ad copy exclaims.
From 1997, when his minor league career ended, until the appearance online of this 2010 FBI report, the internet does not contain any traces of Bill Bene save for some occasional, inevitable mockery embedded in his inclusion in periodic "biggest draft bust" retrospectives. After 1997, Bill Bene became for a time invisible, anonymous, at least in terms of overt internet traces. At some point he created what was in essence an online avatar, "Dan Stern," and through that alias made hundreds of thousands of dollars by faking fakery.
I find myself imagining the courtroom. The prosecution will play the music of the victimized karaoke corporations, each song hollowed out by design, a vacuum in the center of it to pull in that hidden part of us that wants to be discovered. In the quiet following these empty songs the defense will turn to Harold. They will adjust his limbs accordingly and prop him in the witness stand. Gaze unwavering, mustache intact. His expression will be the same as it was in those early days, not long after the dreamed-of discovery had been made and before the other discoveries had fully overtaken and obliterated the first. No matter what question Harold is asked, his answer will be the same. He will sing. No one will hear. Life is flight until we strike this invisible song.
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Description: Woodcut illustration of a missionary priest wearing a robe standing in the fore of a canoe as it comes ashore paddled by a person in the aft. An Indian on...
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Description: Front and back cover of a Deering Harvester Company brochure for twine. The cover reads: "The Original Spinners," and "The World's Greatest Spinners, Deeri...
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MommyGotBoobs - Amy Anderssen mp4s 7 april 2014
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I was jammin' HARD to this song by M83 this morning on the subway. I scanned the train car thinking to myself These people have no idea how much awesome is happening in my ears right now. Suckahs. But even better than the track for "Midnight City" is the Fleur & Manu-directed video, which pays homage to Village of the Damned and Close Encounters of the Third Kind…and (unwittingly) this movie I was obsessed with as a kid called On Our Own. If you can still find a VHS copy, you're a lucky, lucky person.
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Who should take Premium Protein Mousse?Premium Protein Mousse makes dessert delicious and keeps it lean. Ideal for those who are watching what they eat yet still want to have fun. You can have Premium Protein Mousse at any time of day, as a snack between meals, as a side with breakfast, or as a traditional dessert at the end of a long, hard day.
How do I take Premium Protein Mousse?Premium Protein Mousse can be enjoyed at any time of the day, especially as a tasty dessert before bed where the time released proteins will help drip feed your muscles overnight.
Making Premium Protein Mousse:Add 50g of Premium Protein Mousse (2 slightly rounded scoops) to 120-150ml water in a shaker bottle and shake vigorously for approximately 20-30 seconds. Pour into a bowl and allow setting (preferably in a refrigerator) for minimum of 30 minutes, then enjoy. Once mixed Premium Protein Mousse must be kept refrigerated and consumed within 48 hours
Expect the bestAt Bodybuilding Warehouse we pride ourselves on quality. Premium Protein Mousse is made in our very own state of the art production facility using ingredients from approved, audited suppliers who meet our strict quality assurance standards, and work within our principles.
Serving Facts:Serving Size: 50gServings Per Container: 10 (500g) / 20 (1kg)
Directions for Use:
Premium Protein Mousse can be enjoyed at any time of the day, especially as a tasty dessert before bed where the time released proteins will help drip feed your muscles overnight.
Making Premium Protein Mousse:
Add 50g (2 slightly rounded scoops) to 120-150ml water in a shaker bottle and shake vigorously for approximately 20-30 seconds. Pour into a bowl and allow to set (preferably in a refrigerator) for minimum of 30 minutes, then enjoy. Once mixed Premium Protein Mousse must be kept refrigerated and consumed within 48 hours.
Nutritional Information Per 50g Serving:Kcal - 180KJ - 753Protein (Dry Basis) - 33.50gProtein (As Is) - 32.12gCarbohydrates - 9.38gof which Sugars - 4.44gFibre - 1.15gFats - 1.57gof which Saturates - 0.88gSalt - 0.21g
Branch Chain Amino Acids Per Serving - 8,420mg (Branch Chain Amino Acid)Leucine - 3,890mg Isoleucine - 2,080mg Valine - 2,460mg
Nutritional Information Per 100g:Kcal - 360KJ - 1506Protein (Dry Basis) - 67gProtein (As Is) - 64.24gCarbohydrates - 18.76gof which Sugars - 8.88gFibre - 2.30gFats - 3.14gof which Saturates - 1.76gSalt - 0.42g
Branch Chain Amino Acids Per 100g - 16,840mg (Branch Chain Amino Acid)Leucine - 7,780mg Isoleucine - 4,160mg Valine - 4,920mg
Nutritional values based on Chocolate flavour. Other flavours may vary slightly.
Ingredients:Time Released Protein Blend (Micellar Casein (MILK), Whey Protein Concentrate (MILK), Milk Protein Concentrate (MILK), Egg White Protein Powder (EGG)), Cocoa Powder (Chocolate Fudge, S'mores flavours only), Waxy Maize Starch, Gelatine, Instantised BCAA's, Flavouring, Sweeteners (Stevia, Sucralose)
Allergen Information:Contains Milk and Egg. No added gluten, however Premium Protein Mousse, is produced on machinery that processes milk, egg, nuts, peanuts, gluten and soy.
Contains Gelatin: Not suitable for vegetarians or vegans.
This stuff is so nice, way better than what I was anticipating. Just the right amount of sweetness and nice texture for me as well. Worth trying definitely!!!! I usually don't leave reviews but this is actually worth noting. I just ordered the chocolate fudge flavour and tried it. It's so good! Way better than what I was expecting and I actually genuinely enjoy this. Just the right amount of sweetness for me. Will definitely be buying again- so glad I decided to try it!
Please note: Individual results will vary
Great product!
I have never been the one for protein snacks but after purchasing I have changed my mind. The white chocolate and raspberry tastes fantastic, will be buying more!
This with chopped fruit is delicious!!
Lovely dessert for those like me who can't quite give up the sweet stuff, but still want to hit their macros! I've had a couple flavours now and they were all nice, all easy to mix and make... I like added a bit of honey on top of mine, or once I added some desicated coconut and that was amazing!
Long time fan of muscle mousse but I've got to hand it to Bodybuilding Warehouse, I like theirs more. Lovely taste, easy to make, and delivery was spot on. Winning product and great company to buy from.
Tried every flavour now and love it! I'd used muscle mousse before and it was good, but this is miles better (and at a better price with better macros). My favourite flavour is probably banana but to be honest, you can't go wrong with any of them. Great for having before bed in place of a casein shake, or as a dessert when you're after a sweet treat. Keep up the good work BBW!
i'm not a fan, they are not the worse tasting supplements i have tried but i didn't enjoy them, threw half of my bowl away, the brand though are really good, just not the protein mouse chocolate fudge, maybe the other flavors are nicer
I was a bit unsure about ordering this but I was pleasantly impressed it makes a nice pud when mixed with oats and fruit and nuts will order again
I have tried 3 different flavours of this mousse.
2 scoops mixed with 150ml water makes a lovely consistency for this mousse.
Chocolate fudge is pleasant tasting I would recommend this one as I would the strawberry.
though I could not say the same about the banana mixed one lot up and threw the bag away.
it was not tasty at all as it had no flavour, though the other flavour were good. i am slowly working my way through them.
I don't usually review items on this site - that is mainly because most of the stuff I order from Bodybuilding Warehouse is usually of good quality and value and have been a loyal customer for several years and never really had a strong reason to complain. However on first tasting this product I thought I have to write a review.
This tasted absolutely horrible. The first spoonful caused my face drop and after that it was a serious struggle to eat it. I ordered the cookies and cream flavour, which was highly touted amongst the previous reviewers, and followed the instructions in making it and it tasted vile and medicinal. I actually couldn't finish my first bowl and have no idea how I am going to finish the bag, thankfully I bought the smallest bag.
BBWarehouse: Sorry to hear you aren't a fan of the flavour. We do have a lot of good reviews on this flavour but there are other flavour variations available too - the mousse just might not be a product suited to your taste :)
Easy to make and great taste wise would recommend
Two scoops + 150ml water, put in the fridge for an hour and you get protein mousse that tastes like angel delight! (based on strawberry flavour).
I have tried some protein mousse products from another well known major supplement brand, and not only the macros i.e. carbs that sugar, were not that great, I found the taste and consitency off-putting. NOT THIS PRODUCT!! I purchased two 500g pouches; Smores and White Chocolate Raspberry. My only regret, I never purchased them in larger quantity. This product not only is innovative, it tastes bloody fantastic. This is ideal for anyone who is looking for a time-released good quality protein before bed, and also great for people who are running a calorie deficit or cutting and looking for something to dial back any sweet-tooth cravings. I normally have this with some nut butter as well. Like any instruction, it is there to provide guidance. In the other reviews, there are some issues with mixing etc. I have had no issues with this whatsoever. My tip is to add water or almond milk slowly to the product and continue to do so while mixing until you achieve your desired consitency….simples. Enjoy folks, this product is the bomb and the WCR is by far the best!!!
Tastes so good. Packed with protein. Great for me.
This is just what I need for a sweet fix. Quick and easy and tastes good. Thicker than I thought it would be but still spot on. Smores flavour is what i've had this time round.
A great meal! I am very satisfied, I recommend this product!
This is a really good sweet treat for me when dieting. Easy to make and i leave it in the fridge for about 90mins to make it go that bit thicker. Tried the Cookies and Cream and will give the Banana flavour a go next!
I was pretty disappointed with this product TBH, after the great quality of the other protein products at BBW...
I've tried it twice now, mixed as advised (Mix 2 scoops in around 150ml water) and firstly it's really not a mousse, it's more like custard. Don't be expecting a nice light frothy mousse!
The whole point of this is that it's meant to be like a dessert - a nicer way to take protein, but I found it pretty horrible to eat based on the consistency and to me it didn't taste anything like cookies & cream. The flavour was more like weak coffee!
The nutritional value is great, but I'd much rather have some delicious Protein V2 shakes than this pretty poor version of a dessert :( I don't even want to finish the packet of it. Clearly the other reviewers like it though!
I go the cookies and cream and after 2 servings of it I've got the consistency a bit better. I've struggled with it as I find after leaving in the fridge for an hour i get about a 7mm layer o set foam on the mousse and then anything underneath it is complete slop like a runny custard! I'm not sure if it's supposed to be like this as I haven't tried any other protein mousses before but I'm skeptical to buy anymore at the moment, or next time I'll pour 1 serving into 2 bowls which may help it set better
BBWarehouse: Mix 2 scoops in around 150ml water and shake well. Pour into a small container to set in the fridge and leave for about an hour and you should have a perfectly set mousse :)
I tried the mainstream Protein Mousse on the market, which I did love but could not handle the price. 15 servings for around £25, was just too much to stomach. Maybe someone, somewhere does a similar product for less money? I tried the BBW Protein Mousse, expecting the quality to be slightly less due to the cost saving. Let me tell you, the White Chocolate Raspberry tastes delicious. It has an almost creamy cheesecake flavour and does as it says taste just like a regular mousse. As Casein is a slow release protein and curdles in the stomach, it's better to take last thing before bed. Great product at a great price and now a staple in my must have supplements.
The nutritional values are great and tastes brilliant and satisfies my sweet tooth while on a cut (tried chocolate fudge). It sets very well, better than other brands I've tried. I'll definitely be making a repeat purchase.
White Chocolate Raspberry - Taste, quality, texture & value for money is 5 stars.
Tried many protein desserts over the years & this must be up there with the top brands. Mixes well, tastes great (cookies & cream) & value for money per dessert compared with other brands is amazing. Will buy again with my next order...


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This Gif entitled Dragon Slayers was created from the youtube video 2 years ago. It uses 12 frames per second and is displayed at 240px resolution. This animated image plays for 4 seconds, was built with normal quality and an estimated weight of 534.18 KB for download. This animation was originally created from the Fairy Tail Opening 16 [STRIKE BACK] video from 00:28 to 00:32.
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As today sees the inauguration of the 44th US President, Barack Obama, we thought we might take a look at our pick of the top three best fictional US Presidents.
Of course, a very famous actor was once a real-life President in the form of Ronald Regan so who knows, maybe one day we'll see one of these actors in the real role!
At number one is one of my favourite actors who's portrayed a President, Morgan Freeman. He pipped Obama to the post of first black President in the film Deep Impact. Indeed, Barack Obama himself once said of Morgan, "This guy was president before I was!"
His portrayal of President Tom Beck was outstanding and further proof, were it needed, that Morgan is one of the best actors in the world.
Here he is in the role as he announces the impending comet strike… I hope we never see Obama announcing a similar global horror!
Number two on my list is another great actor who's portrayed a President; Martin Sheen. In fact, he's been a film and TV President a few times but most notably in The West Wing as President Josiah 'Jed' Bartlet. However, my favourite Sheen as President role was when he played deranged Greg Stillson in Stephen King's film, The Dead Zone.
Stillson was nuttier than squirrel poo, and had it not been for the timely intervention of psychic Johnny Smith, Stillson would have brought about the world's first – and probably only, given the devastation – nuclear war.
It was a fantastic film that posed questions such as, "if you could go back in time and kill Hitler, would you?" In fact, that was a question that Johnny put to many people in order to find out if killing Stillson before he could annihilate the world was morally the right thing to do.
Here's a clip from the film which show's Johnny's vision of the future and Stillson with his 'finger on the button'…
And finally, my number three fictional President is Harrison Ford in the film Air Force One. In it, he played President James Marshall who, having just made a speech to the nation about not giving in to terrorists, finds himself and his family are in the hands of Russian neo-nationalists who've hijacked Air Force One.
So President Marshall is faced with a nearly impossible decision; give in to terrorist demands – but he's sworn he won't – or sacrifice not only the country's dignity, but the lives of his wife and daughter. It's an excellent film! Here's the movie's trailer…
Awesome stuff and in America, where fiction and reality so often mirror one another, on the day that the first black President is inaugurated, I wonder what dramatic trials and tribulations face Obama as he takes the political reins of the world's most influential superpower?
Whatever is to come, you can see this historic moment live as it happens from 4pm on BBC1. Have your Stars and stripes – and tissues – at the ready!


text:
Spiteful Signet
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- Spiteful Signet
- Item Level 219
- Binds when picked up
- Unique-Equipped
- Finger
- +45 Stamina
+45 Intellect
- Requires level 80
- Equip: Improves critical strike rating by 36.
Equip: Restores 21 mana per 5 sec.
Equip: Increases spell power by 70.
- Sell Price: 7 76 44
This item drops from the Devourer of Souls in normal Forge of Souls
Trivia Edit
This refers to the Essence of Anger boss of the Reliquary of Souls; he would frequently cast Spite on random raid members granting them immunity then dealing nature damage.
Patch changes Edit
- Patch 3.3.0 (08-Dec-2009): Added.


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Lee Nickey
3574 County Road 39 Addison, Alabama 35540(256) 747-6531
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AboutLee Nickey is located at the address 3574 County Road 39 in Addison, Alabama 35540. They can be contacted via phone at (256) 747-6531 for pricing, hours and directions.
Lee Nickey has an annual sales volume of 501K - 999,999. .
For maps and directions to Lee Nickey view the map to the right. For reviews of Lee Nickey see below.
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On Sunday, the husband and I were invited to a renewal of vows ceremony. Some friends have been married for 20 years, and they wanted to celebrate and cement their commitment to each other. 206 more words
Tags » Renewal Of Vows
Our Vows For Two Voices Celebration
We got married on May 5, 1996. That date was chosen because we thought it would make it really, really hard for me to forget our anniversary. 560 more words
David & Sue: Tenby
My wife and I renewed our vows on 26th September 2015 in Tenby.
We took all 21 rooms at the Royal Lion Hotel Tenby. 56 adults and 16 children (aged 12 yrs and under)attended. 118 more words
Fall in Love again & again - Renew your vows!
Fall in Love is easy, but fall in love again and again with the same person is little hard. Maldives is the picture perfect location to fall in love again and renew your wedding vows. 65 more words
Silver Wedding Anniversary and Golden Wedding Anniversary Package
P250K Silver Wedding or Golden Wedding complete anniversary package (Renewal of Vows)
- Digital Online Save the Date Invitations for advance notice to guests… 454 more words
Renewal of vows for 2016
Today, during this Easter vigil, I renewed my vows for one year. Though my vows are not yet expired (until May 3, 2016), I reapplied for renewal since there was a renewal here in our Annual Retreat at the Jesuit Retreat House here in Malaybalay City, Mindanao. 62 more words
Candles and Vows - Glorious End to the Year of Consecrated Life
February 2nd was the end of the Year of Consecrated Life. We had our usual blessing of candles in the gathering space in back of chapel. 133 more words


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decided: April 27, 1982.
INTERSTATE CARRIERS COOPERATIVE, PETITIONERv.COMMONWEALTH OF PENNSYLVANIA, WORKMEN'S COMPENSATION APPEAL BOARD AND ANTHONY DESANTO, JR., RESPONDENTS
Appeal from the Order of the Workmen's Compensation Appeal Board in case of Anthony DeSanto, Jr. v. Interstate Carriers Cooperative, No. A-79353.
Stephen J. Harlan, Swartz, Campbell & Detweiler, for petitioner.
Joseph F. Wusinich, III, Wusinich and McCarthy, for respondent, Anthony DeSanto, Jr.
Judges Mencer, Blatt and Doyle, sitting as a panel of three. Opinion by Judge Blatt. This decision was reached prior to the resignation of Judge Mencer.
[ 66 Pa. Commw. Page 289]
Interstate Carriers Cooperative (employer) appeals a decision of the Workmen's Compensation Appeal Board (Board) which affirmed a referee's decision that Anthony DeSanto, Jr. (claimant) was totally disabled as a result of an injury he sustained in the course of his employment.
[ 66 Pa. Commw. Page 290]
The following facts determined by the referee are supported by substantial evidence*fn1 in the record. The claimant, an interstate truck driver and resident of Pennsylvania, was at his home in Pennsylvania when he accepted an over-the-telephone offer of employment made by the employer who allegedly operates out of Fort Worth, Texas. He then began hauling agricultural products for the employer primarily between the east and west coasts, and, upon his return from one of his west coast hauls and while unloading his cargo in Washington, D.C., on February 26, 1976, he was attacked by an unknown assailant and repeatedly beaten about the head, shoulder, back, ribs and arms with a steel pipe. He called his employer's dispatcher who instructed him, despite an attempt by the claimant to explain his physical condition, to pick-up immediately a load of mushrooms and to transport them to California or else he would be discharged. The claimant, fearful of losing his job, did as directed and, once in California, he saw a doctor regarding his physical condition. He subsequently told his employer that he could not work because of his injuries and that he was going to go home to rest and seek further medical attention. The employer then demanded the return of all of this claimant's interstate commerce tags.
The claimant then saw several doctors who testified before the referee that the claimant complained of blurred vision, headaches, loss of grip in his right arm [sic], and parethesia of the right arm and hand. These doctors, in giving medical testimony before the referee,
[ 66 Pa. Commw. Page 291]
opined that the claimant was suffering from hypertension and post-traumatic concussionals, peritendonitis of the right shoulder, submicosal hyperthropy, labyrinthitis (visual and balance problems), a deviated septum, a reduction in hearing capacity, a straightening of the spine, a contusion to the lateral muscle mass in the elbow, a condition of mallet finger of the right middle finger, and a persistent pain in the base of the neck. Testimony by some of these medical witnesses unequivocally stated that these conditions were related to the February 26, 1976 attack and that the claimant would be physically unable to perform his duties in a satisfactory and safe manner.
The employer presented the testimony of Dr. Joseph Sataloff, M.D., who opined that upon examining the claimant he could find no evidence of labyrinthitis nor any evidence of a deviated septum. He further stated that it was not possible for the claimant to have sustained a deviated septum as a result of the February 26, 1976 incident. The referee, however, chose to rely on the claimant's witnesses and found the claimant to be totally disabled from April 6, 1976 to an indefinite time in the future, and the Board affirmed.
Initially the employer argues that the Board erred in finding jurisdiction entitling the claimant to benefits under the Pennsylvania Workmen's Compensation Act*fn2 when it concluded that he was "working under a contract of hire made in this State in employment not principally localized in any state. . . ." Section 305.2(a)(2) of the Act, 77 P.S. § 411.2(a)(2). The employer and the claimant agree in their briefs that the focus of Section 305.2(a)(2) is on the employee's employment and not on the employer. Our close examination of the record discloses, contrary to the employer's allegations, that substantial evidence exists which supports the referee's finding that the contract of hire was entered*fn3
[ 66 Pa. Commw. Page 292]
into in Pennsylvania, and his findings*fn4 which underpin his conclusion that the claimant's employment was not principally localized*fn5 in any state within the meaning of Section 305.2(a)(2). The fact that the referee assigned little weight to contrary evidence offered the employer does not impugn the validity of his findings on these points inasmuch as it is axiomatic that questions of evidentiary weight, credibility, and the resolution of conflicts in the evidence are solely within the fact-finding referee's province. Workmen's Compensation Appeal Board v. Phillips, 29 Pa. Commonwealth Ct. 613, 372 A.2d 63 (1977). We believe, therefore, that the employer's jurisdictional challenge is without merit.
The employer next argues that there was no substantial competent evidence to support the referee's determination that the claimant remained totally disabled
[ 66 Pa. Commw. Page 293]
for purposes of performing his regular job of interstate tractor-trailer driver on or after November 13, 1978.*fn6
Here, although there was testimony that the claimant might work on a trial basis due to a cessation of post-concussional conditions and labyrinthitis, the record does not show that his spinal condition, neck problems, right shoulder, arm and hand problems were resolved so as to permit him to perform his regular duties which included loading and unloading a trailer.*fn7 And, under either the substantial evidence standard of review which the employer alleges applies or the capricious disregard standard which we believe is more appropriate here as to this issue, our examination of the record in its entirety leads us to believe that the referee and Board could have reasonably concluded that the claimant's disability persisted beyond November 13, 1978.
We will therefore affirm the Board's order.
And Now, this 27th day of April, 1982 the order of the Workmen's Compensation Appeal Board in the above-captioned matter is hereby affirmed.
[ 66 Pa. Commw. Page 294]
It is further ordered that judgment be entered in favor of the respondent Anthony DeSanto, Jr., and against the petitioner Interstate DeSanto, Jr., and against the petitioner Interstate Carriers Cooperative and/or its insurer, at the rate of $187.00 per week from April 6, 1976 to an indefinite time in the future within the terms and limitations of the Act. Additionally it is ordered that Interstate Carriers Cooperative and/or its insurer shall reimburse Anthony DeSanto, Jr., directly for the following medical expenses:
Drs. Hoberman and Lovrinic $489.00
Dr. Charles R. Wolf 100.00
Chester County Hospital 403.55
Interstate Carriers Cooperative and/or its insurer shall reimburse the respondent's counsel, Joseph R. Wusinich, III, Esquire, for the following costs:
Report of Dr. Fukui $35.00
Report of Dr. Buchwald 50.00
Deposition transcript for Dr. Buchwald 135.40
Dr. Guagliardo's expert witness fee 250.00
Physician transcript -- Dr. Guagliardo 94.55
Deposition transcript of Dr. Wolf 31.50
Chester Cty. Hospital Records,
Record Copy Services 19.05
Counsel fees in the amount of twenty (20%) percent of all compensation due is payable to, and Interstate Carriers Cooperative and/or its insurer, is directed and ordered to deduct the same and mail to: Joseph F. Wusinich, III, Esquire, 20 North Darlington Street, West Chester, Pennsylvania 19380.
All deferred payments of compensation shall bear interest at the rate of ten (10%) percent in accordance with the Act and inasmuch as the petitioner had a reasonable basis for contesting respondent's claim, attorney's fees are not assessed against Interstate Carriers Cooperative or its insurer.
This decision was reached prior to the resignation of Judge Mencer.
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Good city hotel. Close by to the center and public transport, with welcoming service. Popular among couples.
Hotel Types
- Near city centre
- Good choice for a city trip
Guest Review Highlights
- Great location
- Near city centre
- Accessible parking
- Train station is close
- Standard parking prices
- Close to public transport
- Room cleanliness is acceptable
- Room needs to be redecorated
- Bathroom could be optimized
- Rooms in need of an update


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"Posh Spice could have requested her singing was silenced", lifestyle.one
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"Cutting a very sporty figure in her jazzy leggings, vest and weighted vest, the 41-year-old America's Got Talent judge looked un-phased by reports she's fallen out with her 42-year-old bandmate.", www.dailymail.co.uk
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The Global FlyFisher
Simply the Best Place to go for Online Fly Fishing and Fly Tyinghttp://globalflyfisher.com/video/coldingham-loch
Simply the Best Place to go for Online Fly Fishing and Fly Tying
Nov 13. 2016
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Published Aug 10. 2014 - 2 years ago
Coldingham Loch
A recent trip to Coldingham Loch on the East Coast of Scotland. A weekend of wild camping, walking, fly fishing and some stunning rainbow trout.
Music by Dom Robinson, follow link for more: https://soundcloud.com/domrobinsonmusic/fawn
Music by Dom Robinson, follow link for more: https://soundcloud.com/domrobinsonmusic/fawn
Originator's web site:
Martin Joergensen
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Deepholm Iolite
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- Deepholm Iolite
- Item Level 85
- Sell Price: 5
Source Edit
- [Crystalline Geode] has a chance to contain this gem. Purchased from Dasnurimi in Dragon Soul for 1 .
Ingredient for Edit
|[Rigid Deepholm Iolite]
|+50 Hit Rating
|[Solid Deepholm Iolite]
|+75 Stamina
|[Sparkling Deepholm Iolite]
|+50 Spirit
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Random Thoughts
Bad breadth, weak financials and a plate full of pop tarts. I don't get you, Toddo!
- Anybody that knows me knows that I don't bullshnitz-and when I tell you that I'm honored to be involved with a person as intelligent, honest and pure as Tony Dwyer, it comes from the heart.
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- The stochastics are telling you that Hoofy is early-but they're only one ingredient in the mix.
- I think I touched a nerve with this morning's first post (in a good way). If you haven't read it yet, click here.
- Pup Tent!
- Jason Goepfert of sentimentrader.com points out that the S&P, when down for four days in a row, is up 58% of the time (the next day). When down five days in a row, however, the odds are bumped up to 71%. That's good insight.
- Cheese is overrated. Cheesecake is underrated.
- The internals, while improving, have yet to confirm the upside. We can't point to this yesterday (as a tell) and ignore it today because Hoofy decided to drop by-that's selective thinking and rationalization. We can still try to upside, mind you, we just have to be conscious and aware of the potential caveat.
- I saw Casey last night for the first time in a year and it took us all of an hour to completely recharge our mojo!
- Imagine if somebody stood up when Bank of America announced their 130 Million share buyback and screamed "SOLD!"
- ALTR, TXN, CHKP, QCOM and SEBL all report tonight and EMC, BLS, NOK and CAT will issue releases before tomorrow's opening.
- I actually thought that, while I was in California and the market closes at 1pm, I'd be able to sneak in some relaxation. Uhh...not! While the critters do the foo foo thing at Ago, I've been slaving away to pay their bills. Ingrates!
- N's over S's, baby.
- When is General Electric gonna be a teenager?
- What is it about having your lifelong favorite team in the Superbowl that makes you feel like a little kid again?
- The financials are trying to turn (higher)-watch Citigroup.
- If wishes were knishes, I'd be pushing 250 lbs.
- E.T.F's are hedgefood.
- Guess the final score of Sunday's game and win a free Minyanville fleece. Send your pick to email@example.com and, please, one guess per Minyan!
- As a function of my big picture skepticism, I tend to have a quick trigger finger on the bull costume (vs. the bear costume). One day, we'll need to flip flop that predication but when?
- Tony Pitt meet Brad Dwyer.
- I went through a Woody Woodpecker phase as a young kid.
- Boo just ran by screaming "Muuuuuuuuuuuuu"
- You got the munchies there, Fokker?
- I did a conference call with the Syracuse University Investment Club and had a fantastic time. If you're a student and involved in a similar situation, give me a ping and we'll see if we can set something up. Wasabi!
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Man analyst rejoins Nomura
17 November 2006
Nomura has made its second research hire in a week with the appointment of a European telecoms analyst to initiate coverage on Europeâs leading telecoms firms.
Martin Mabbutt, who first joined Nomura in 1989, comes back to the firm after spells at Deutsche Bank, UBS, HSBC, and most recently Man Securities, the hedge fund.
He joined Nomura last week having left Man in February.
Mabbutt's hire follows the appointment of Andrew Haskins as head of regional telecoms research based in Hong Kong.
Haskins reports to Stewart Callaghan, head of research in Asia, and joined the bank last week after 15 years at HSBC.
At Nomura Mabbutt will cover BT, Cable & Wireless, Deutsche Telekom, France Telecom, KPN, Telecom Italia, Telefónica and Vodafone.
Shuichi Tamai, head of research at Nomura, said Mabbutt's hire completed the build out of its European telecoms team.


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February 2, 2005
IN RE MARRIAGE OF RACHEL DUNDAS, PETITIONER- APPELLEE,v.MICHAEL DUNDAS, RESPONDENT- APPELLANT.
Appeal from the Circuit Court of De Kalb County. No. 02-D-335. Honorable William H. Weir, Judge, Presiding.
Prior to dissolving their marriage, petitioner, Rachel Dundas, and respondent, Michael Dundas, financed the purchase of a 1999 Dodge Durango. When their marriage was dissolved in 2003, the trial court incorporated into that judgment the parties' marital settlement agreement, which provided that respondent would pay petitioner maintenance of $200 per month until the car loan was paid in full. In February 2004, respondent petitioned to terminate maintenance, contending that petitioner was living with her boyfriend on a resident, continuing, conjugal basis. See 750 ILCS 5/510(c) (West 2002). The trial court denied the petition, finding that respondent's obligation to make monthly payments toward the car loan was part of the parties' property settlement, not maintenance. Respondent timely appeals, claiming that the payments were maintenance and, thus, subject to termination pursuant to section 510(c) of the Illinois Marriage and Dissolution of Marriage Act (Act) (750 ILCS 5/510(c) (West 2002)). We affirm.
[9] In resolving the issue raised on appeal, we must examine the parties' marital settlement agreement, which provides as follows:
1. That Wife shall receive as her sole and exclusive property, free and clear of all right, title, interest, or claim of Husband, a certain 1999 Dodge Durango automobile. Wife shall pay any indebtedness on said vehicle and hold Husband harmless and indemnified with respect thereto."
Regarding maintenance, the parties had agreed not to seek support from each other. However, on the day of the hearing on the petition to dissolve the marriage, the parties modified the agreement to provide:
"Husband shall pay to Wife the amount of $200 per month as and for maintenance commencing December 2003 and continuing until the existing loan on her vehicle is paid in full."
Under a portion of the agreement entitled "Cooperation of Parties," petitioner and respondent agreed to waive any claim to maintenance, among other things. Specifically, the agreement provides:
"To the fullest extent by law permitted to do so, and except as herein otherwise provided, each of the parties does hereby forever relinquish, release, waive and forever quit claim and grant to the other, his or her heirs, personal representatives and assigns, all rights of maintenance, alimony, dower, inheritance, descent distribution, [and] community interest[.]"
At the hearing on the petition to dissolve the marriage, petitioner testified that she voluntarily signed the marital settlement agreement and that the agreement was fair and equitable. She stated that, pursuant to the agreement, she would keep the 1999 Dodge Durango, on which the parties still owed many thousands of dollars. Because of the outstanding balance on the loan, petitioner and respondent agreed that respondent would pay $200 per month to First National Bank in Clifton, which was the holder of the vehicle loan, until the loan was paid off. Petitioner acknowledged that she was responsible for the remainder of each month's loan payment, as the $200 did not cover the entire amount. Further, petitioner agreed that respondent's monthly payments would be in the form of maintenance, meaning that she would be taxed on that money and that respondent could deduct those payments for tax purposes. She also agreed that she was waiving any further right to maintenance she may have. Respondent testified consistently with petitioner.
The trial court granted the petition to dissolve the parties' marriage, incorporating into that order the parties' martial settlement agreement. In so doing, the trial court referred to the monthly $200 payments as maintenance, but clarified that respondent, with these payments, was "essentially [paying] off [petitioner's] car loan." The trial court also found that "subject only to the provisions where [respondent] is to pay off a defined and prescribed debt on [petitioner's] car that both sides have entered into a knowing waiver of maintenance."
Approximately two months after the parties' marriage was dissolved, respondent petitioned to terminate maintenance, contending that petitioner was living with her boyfriend on a resident, continuing, conjugal basis. The trial court denied the motion, finding that any claim that petitioner was living with someone was irrelevant, as the monthly payments of $200 were part of the overall distribution of marital assets and debt. The trial court stated that it reached this conclusion after examining the agreement and the transcript of the dissolution proceedings. Based on these documents, the trial court found that the clear intent of the parties was that the $200 per month constituted car payments. Respondent timely appealed.
Before addressing the merits of this appeal, we note that petitioner, as appellee, has failed to file a brief in this court. Because we find the issue presented relatively straightforward, we may decide this case without petitioner's brief, pursuant to First Capitol Mortgage Corp. v. Talandis Construction Corp., 63 Ill. 2d 128, 133 (1976) (holding that a reviewing court should decide the merits of an appeal where the record is simple and the claimed error is such that a decision can be made easily without the aid of an appellee's brief). See In re Marriage of Duffy, 307 Ill. App. 3d 257, 259 (1999).
Turning to the merits, the issue raised on appeal is whether the monthly $200 payments were maintenance, subject to termination, or part of the parties' nonterminable property settlement. Respondent claims that the payments were maintenance, which would terminate upon petitioner living with another person on a resident, continuing, conjugal basis. See 750 ILCS 5/510(c) (West 2002). This issue requires us to interpret the parties' settlement agreement.
Interpreting a marital settlement agreement is a matter of contract construction. In re Marriage of Hulstrom, 342 Ill. App. 3d 262, 269 (2003) As such, courts seek to give effect to the parties' intent. Hulstrom, 342 Ill. App. 3d at 269. The language used in the marital agreement generally is the best indication of the parties' intent (In re Marriage of Hahn, 324 Ill. App. 3d 44, 46 (2001)), and when the terms of the agreement are unambiguous, they must be given their plain and ordinary meaning (In re Marriage of Sweders, 296 Ill. App. 3d 919, 922 (1998)). However, where the language is ambiguous, parol evidence may be used to decide what the parties intended. Hulstrom, 342 Ill. App. 3d at 269. We review de novo an interpretation of a marital settlement agreement and a determination of whether the agreement's terms are ambiguous. In re Marriage of Wassom, 352 Ill. App. 3d 327, 330 (2004); Hahn, 324 Ill. App. 3d at 47.
Here, although the parties have labeled the monthly $200 payments as maintenance, merely characterizing the payments as such does not mandate a conclusion that the payments were actually maintenance. See In re Marriage of Adamson, 308 Ill. App. 3d 759, 769 (1999); In re Marriage of Rowden, 163 Ill. App. 3d 869, 872 (1987). Rather, a court must examine the substance of the agreement to determine its nature. Adamson, 308 Ill. App. 3d at 769. When we examine the substance of the agreement, we cannot conclude that the agreement's terms unambiguously provided that the monthly payments were maintenance because the terms in the agreement are susceptible to two different, yet equally plausible, interpretations. See Hahn, 324 Ill. App. 3d at 47. Specifically, the payments could have been maintenance or part of the property settlement. When the terms of a settlement agreement are susceptible to two different interpretations, the court must apply the interpretation that establishes the rational and probable agreement. Hahn, 324 Ill. App. 3d at 47. In resolving what the parties' rational and probable agreement was, we find Rowden instructive.
In Rowden, the parties purchased a car during their marriage, procuring a loan to purchase that vehicle. Rowden, 163 Ill. App. 3d at 870. The judgment dissolving the parties' marriage provided that the wife was awarded the vehicle, that the husband would pay the wife's car loan in lieu of maintenance, and that, except for the car payments, the parties waived any claim to maintenance. A few months after the parties' marriage was dissolved, the wife remarried. A year later, the husband filed for bankruptcy and ceased making payments on the car loan. The wife petitioned for a rule to show cause why the husband should not be held in contempt for failing to make the car payments. In ruling on the wife's petition, the trial court found that payment on the loan was part of the parties' property settlement, unaffected by the wife's remarriage, and the husband appealed. Rowden, 163 Ill. App. 3d at 871.
The appellate court affirmed, determining that the husband's payments on the car loan constituted part of the property settlement, not maintenance. Rowden, 163 Ill. App. 3d at 872. In reaching this conclusion, the appellate court noted that the payments were for a specific amount of money, paid over a definite period of time. Rowden, 163 Ill. App. 3d at 872. The court found it significant that, except for payment on the loan, the parties waived any right to maintenance and any claim they may have had to each other's property. Rowden, 163 Ill. App. 3d at 872. Further, the court observed that neither the label attached to the obligation nor the method of payment conclusively determines the nature of the award. Rowden, 163 Ill. App. 3d at 872.
Here, as in Rowden, other than the car payments, both parties waived any claim to maintenance. Further, the payments went to pay off the car that petitioner was awarded, and the evidence revealed that there was a large outstanding balance on that loan. Thus, the agreement, which the trial court accepted, gave petitioner the car without burdening her with paying a disproportionate share of the total cost of the car. Moreover, the agreement to make monthly payments was specifically linked to the amount of the car loan and its duration, and respondent was required to make payments directly to the holder of the loan. Even though respondent was not obligated to pay the entire amount of each installment, he was responsible for a specific portion of it, and his obligation terminated when the loan was paid in full.
Although, as respondent notes, some cases have determined that payment of a marital debt is maintenance, we do not find this proposition persuasive here, as the cases to which respondent cites concluded that payment of a marital debt is maintenance within the meaning of the United States Bankruptcy Code (11 U.S.C. §1101 et seq. (2000)). See, e.g., Adamson, 308 Ill. App. 3d at 770-71; see also In re Marriage of Underwood, 314 Ill. App. 3d 325, 327-28 (2000). In Rowden, the court considered whether the payments on the car loan were maintenance or part of the property settlement, irrespective of the impact the husband's bankruptcy proceeding would have on his obligation to make the wife's car payments. Rowden, 163 Ill. App. 3d at 872. Because whether an obligation is maintenance or part of the parties' property settlement is a question of state law, separate from and unaffected by whether the payments constituted a dischargeable debt under federal bankruptcy law, we do not find the cases to which respondent cites controlling here, as no bankruptcy proceeding is involved. See Rowden, 163 Ill. App. 3d at 872-73 (determining, under Illinois law, that husband's payments on car loan were part of the parties' property settlement, but, under federal bankruptcy law, the payments were maintenance and not dischargeable).
Thus, we hold that the core of the parties' agreement provided that the payments were part of the property settlement, not maintenance. Because respondent's obligation was not maintenance, we hold that the monthly $200 payments are not subject to termination pursuant to section 510(c) of the Act. See Rowden, 163 Ill. App. 3d at 872.
For these reasons, the judgment of the circuit court of De Kalb County is affirmed.
O'MALLEY, P.J., and CALLUM, J., concur.
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Florals & Botanicals / Watercolor: Learn to Paint Step by Step
Learn to Paint Step by Step
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Learn to paint sunflowers, water lilies, roses, and more! In this gorgeous 32-page project book, four accomplished watercolorists show aspiring artists how to paint a range of florals and botanicals--from delicate orchids to bold birds of paradise. Beginning with the basics, the detailed lessons demonstrate how to portray three-dimensional forms and create compelling designs. Each project features fundamental techniques, such as using washes, glazing, and painting wet into wet. The authors also share helpful tips on revealing luminous colors in white, creating dynamic lights and shadows, and zooming in on a subject for dramatic effect. With vibrant, full-color illustrations and simple instructions, this essential how-to-paint book will inspire artists to begin capturing their favorite floral scenes in watercolor.
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Yogurt with Cucumbers
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Prep 5 mins
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This is a great side dish to serve with spicy curries.
Ingredients Nutrition
- 1 cucumber, chopped
- 1 container plain yogurt (16 oz.)
- 1⁄2 teaspoon dill weed
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It was good but not quite flavorful enough for me. I added some chopped onion, ranch seasoning, and lots of salt and pepper.


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Re: HALTER FAMILY
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My grandfather, Charles H. Holter, was born in Lamberton, MN, 1901.He is still living and is the last of his generation.My grandfather had 13 brothers and sisters, 4 of which died in infancy.All were born in Lamberton.My ggrandfather, Herman Halter, was born in Madison, WI.He was married to Elizabeth Selickman.They homesteaded a 160 acre farm in Lamberton which is still owned by a Halter.Herman had 6 brothers and sisters that I know of.At least 2 were born in Germany.Why my grandfather changed the surname spelling, I don't know.He had a brother that also changed his name but it was to Helter. If this is the family you are looking for I will be more than happy to exchange info with you.Also, I was linked to your request via email from Gary Leopold.He has been helpful with some branches of my family.
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Announcement Welcome! Browse here for handmade cards and papercrafts, as well as an assortment of quilts, bears, raggedy dolls, and llittle bits of vintage decor.
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