text:
Canada NewsWire
CALGARY, Dec. 14, 2015
CALGARY, Dec. 14, 2015 /CNW/ - TORC Oil & Gas Ltd. ("TORC" or the "Company") (TSX:TOG) is pleased to confirm that a dividend of $0.045 per common share will be paid on January 15, 2016 to common shareholders of record on December 31, 2015. The ex-dividend date is December 29, 2015, with payment to be made in cash or common shares at the election of the shareholder. Any common shareholder choosing to receive common shares rather than cash must submit his or her share dividend authorization form no later than 4:30 p.m. (Calgary time) on the fourth business day immediately prior to the record date for the declared dividend payment, being December 24, 2015. This dividend has been designated as an "eligible dividend" for Canadian income tax purposes.
Share Dividend Program
TORC's Share Dividend Program enables common shareholders to elect to receive dividends in common shares calculated at 95% of the weighted average trading price, for the five days immediately prior to the payment date. Participation in the Share Dividend Program is optional and all fees associated with the Share Dividend Program will be paid by TORC.
For further information regarding the Share Dividend Program, please contact Computershare Investor Services at 1-800-564-6253 (toll free in Canada and the United States) or 514-982-7555 (international direct dial).
TORC Oil & Gas Ltd. is a Calgary based company active in the acquisition, exploration, development and production of crude oil and natural gas in Western Canada.
SOURCE TORC Oil & Gas Ltd.
TORC Oil & Gas Ltd., Brett Herman, President and Chief Executive Officer, Telephone: (403) 930-4120, Facsimile: (403) 930-4159; Jason J. Zabinsky, Vice President, Finance and Chief Financial Officer, Telephone: (403) 930-4120, Facsimile: (403) 930-4159, www.torcoil.comCopyright CNW Group 2015
E&Ps Locking in Cash Flows and Sales Prices OPEC's agreement to cut production levels has kicked off a rush among shale oil companies to hedge their oil price risk above $50 for 2017 and 2018. The number of E&Ps selling oil for delivery next year has pushed the WTI forward curve into slight backwardation after two years of contango. Compare[Read More…]


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If the Candles Could Speak brings the complete story of Chanukah to life in an exciting BIG book edition! The Menorah's colored candles take you on a journey back in time as they share the miraculous story. Picture Included in this book is a section on: How Do We Celebrate Chanukah? Join the children as they discover how to light the menorah, the fun of playing dreidel, and why we eat potato latkes. Instructions for Dreidel Game included as well. Bright, realistic illustrations will fascinate young hearts and minds to the very last page. Read it, love it, and most important of all -share its timeless lessons and universal message with those around you. Both educational and captivating, this truly is a unique Chanukah book. Picture BOARD: Picture & STICKERS Durable self-standing laminated board. Measures 30" W x 21" H when open. 40 durable vinyl stickers that can be used again and again. Stickers can be placed on glass windows and doors for added fun. Provides children with hours of fun as they create and recreate Chanukah's beloved traditions. Aids in the teaching of visual literacy and provides for a more intriguing, and interactive story-time experience. Greatly enhances group story-time!
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subset: commoncrawl


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SoCal Salvation1/11/2016
The hubs really wanted to see it, so we drove to the mountain located in a place called Slab City. Of course, I couldn't go to a place like this and not take advantage of the background. It was a great opportunity for a few quick outfit shots. I pretty much wear this Cotton On pullover every week. I just love how comfortable it is to wear without any unnecessary buttons, zippers or embellishments. It's basic chic. And since we're still in winter -- even though I'm totally ready for it to warm up -- you gotta check out these other amazing pullovers that add a bit of edge to a casual look.
16 musings
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never heard of it before, it looks so cool. Will check it out next time I'm in the west coast.ReplyDelete
This looks super cool! On my list of places to see!ReplyDelete
I'd never heard of this place before--- its fabulous and of course you are rocking it.ReplyDelete
thats such a cool placeReplyDelete
Keep In Touch
That pullover looks so comfy, so it's perfect for the season. Great colourful pictures.ReplyDelete
Reto Winter
That is amazing that you went to visit Salvation Mountain, these are amazing photos and such a great outfit too!ReplyDelete
What a cool place! Thanks for sharing and you look great in this hat. :)ReplyDelete
Thanks for sharing this incredible art site with us. It looks so cool and colorful!ReplyDelete
Hadn't heard of it before today. Looks so colorful and artistic :)ReplyDelete
∞ © tanvii.com ∞
I had never heard of Salvation Mountain before. These are the first photos of it I've seen. I love the colours. Your Cotton On ribbed pullover looks great styled with your wide-brimmed H+M hat and grey haze denim jeans.ReplyDelete
What a cool place to explore! Love your hat :)ReplyDelete
Have not heard of this and thanks for sharing. You look comfy and chic and the background was the perfect place to hang out.ReplyDelete
Loving this hat on you, lady!ReplyDelete
Happy Tuesday!
Le Stylo Rouge
Love the hat!!ReplyDelete


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Consultation paper – Tightening the non-commercial loan rules in Division 7A of the Income Tax Assessment Act 1936
Published on 03 Jul 09 by THE TAX INSTITUTE
Generally, the Taxation Institute supports the proposed amendments and recognises the need to address integrity issues. However, the Taxation Institute has some concerns regarding...
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May 26, 2006
NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA., INDIVIDUALLY, AND AS SUBROGEE OF BELL ATLANTIC CORPORATION AND VERIZON COMMUNICATION INC., FORMERLY D/B/A BELL ATLANTIC CORPORATION, PLAINTIFF,v.TRAVELERS PROPERTY CASUALTY COMPANY F/K/A THE TRAVELERS INDEMNITY COMPANY OF ILLINOIS, DEFENDANT.
National Union Fire Insurance Company of Pittsburg, PA ("plaintiff" or "National Union"), individually and as subrogee of Bell Atlantic Corporation and Verizon Communication, Inc. ("Verizon"), formerly d/b/a/ Bell Atlantic Corporation (collectively, "Bell Atlantic"), brings this diversity action against Travelers Property Casualty Company of America ("defendant" or "Travelers") for reimbursement and/or contribution for payments made towards the defense and settlement of two underlying class action lawsuits ("Underlying Actions"). Both parties now move for summary judgment. For the reasons set forth herein, plaintiff's motion is denied and defendant's motion is granted.
The Underlying Actions
On October 23, 1997,*fn2 two Bell Atlantic Mobile Systems, Inc. ("BAMS") employees*fn3 initiated a class action lawsuit (the "McHenry Action") against Bell Atlantic before Judge Broderick in the United States District Court for the Eastern District of Pennsylvania. Defendant's Rule 56.1 Statement ("Def. 56.1 Stmt.") ¶ 18; Plaintiff's Rule 56.1 Statement ("Pl. 56.1 Stmt.")
¶ 23. Plaintiffs in the McHenry Action alleged that they had been Bell Atlantic employees who had been encouraged to accept employment with BAMS, which at the time was Bell Atlantic's new wireless subsidiary. Def. 56.1 Stmt. ¶ 20. However, this group of employees expressed concerns about losing benefits upon transferring to BAMS, as they were all already participants in a valuable pension plan through Bell Atlantic. Id. The McHenry plaintiffs claimed that in an effort to allay these concerns, Bell Atlantic, "acting in its own name and through the management of its wholly-owned subsidiary [BAMS]," represented to the potential transferees that their pension benefits would be "the same as or equivalent" to those they would receive if they remained at Bell Atlantic. Id. at ¶ 21. However, the McHenry complaint alleges that following the formation of a joint venture ("CellCo") between Bell Atlantic and NYNEX Corporation to jointly operate their cellular businesses, "the managements of [Bell Atlantic] and [BAMS] effected significant reductions in the pension plan benefits for plaintiffs and members of the Class."*fn4 Id. at ¶ 22. The McHenry plaintiffs alleged in part that Bell Atlantic and BAMS breached their fiduciary duties under Section 404(a) of ERISA.*fn5 Id. at ¶ 23. On May 18, 1999, Judge Broderick denied the McHenry defendants' motion for summary judgment, and the case was eventually settled and closed no later than November 2000. Id. at ¶¶ 24, 33.
On October 30, 1998,*fn6 another employee of BAMS*fn7 brought a separate, though virtually identical, action (the "Sollars Action") in the United States District Court for the Eastern District of Pennsylvania. Id. at ¶ 27; Pl. 56.1 Stmt. ¶ 24. The allegations in the Sollars Action were identical to those in McHenry.*fn8 Def. 56.1 Stmt. ¶ 29.
Bell Atlantic sought coverage in connection with the McHenry and
Sollars Actions from its primary insurer, Travelers, but Travelers
disclaimed coverage for both of the Underlying Actions.*fn9
Id. at ¶ 32. Subsequently, National Union, Bell Atlantic's
excess insurer, agreed to participate in the actions.*fn10
Pl. 56.1 Stmt. ¶ 11.
The Current Action
National Union now brings this action in its capacity as subrogee to enforce Bell Atlantic's alleged rights under the insurance policies Travelers had issued to Bell Atlantic (the "Travelers/Bell Atlantic Policies" or "Policies"). It also asserts claims for contribution for payments allegedly made by National Union in connection with the Underlying Actions. National Union alleges that, in violation of the terms of the Travelers/Bell Atlantic Policies, Travelers denied both a defense and indemnity coverage for the Underlying Actions. Travelers/Bell Atlantic Policy
Travelers began issuing commercial general liability policies to Bell Atlantic in April 1995, renewing them on a yearly basis through April 2001. Def. 56.1 Stmt. ¶ 1. Of particular relevance to this case is the policy which Travelers issued to Bell Atlantic in April 1997 (the "1997 Travelers/Bell Atlantic Policy" or the "1997 Policy").
The 1997 Travelers/Bell Atlantic Policy had a coverage period of April 1, 1997 to April 1, 1998 and included a separate Employment Benefits Liability ("EBL") Coverage Form (the "EBL Form"), which insured against negligent acts, errors, or omissions "committed in the 'administration' of [a named insured's] 'employee benefit program.'"*fn11 Id. at ¶¶ 3, 4. Elsewhere, the 1997 Travelers/Bell Atlantic Policy defined "administration" as:
a. Counseling employees, including their dependents and beneficiaries, with respect to the "employee benefit program";
b. Handling records in connection with the "employee benefit program"; or
c. Effecting or terminating any employee's participation in a plan included in the "employee benefit program."
Id. at ¶ 7.
The 1997 Travelers/Bell Atlantic Policy also contained an exclusion (the "ERISA Exclusion") stating that the policy did not apply to "[l]oss for which the insured is liable because of liability imposed on a fiduciary by the Employee Retirement Security Act of 1974, as of now or hereafter amended." Id. at ¶ 8. In addition, Travelers asserts that the EBL Form referenced an endorsement (the "CG T8 02 Form") containing a $250,000 per-employee deductible, under which Travelers was obligated to reimburse the insured only if the total amount exceeded $250,000 per employee. Id. at ¶ 9. National Union disputes this, arguing instead that the deductible amount was to be applied to each occurrence reported under the EBL Form, regardless of the number of employees involved in any one occurrence. See Pl. Resp. ¶ 9; Pl. 56.1 Stmt. ¶ 5.
Through its broker, Marsh & McLennan, Bell Atlantic requested in 1995 that Travelers divest BAMS and any BAMS-related risk from the Travelers/Bell Atlantic coverage program and to lower the premium accordingly. Id. at ¶ 10. Travelers eventually did so, reducing the premium by $175,000.*fn12 Id. Despite this agreement, the 1995 policy and certain successive policies did not specifically reflect the BAMS "carve-out" ("the BAMS Carve Out Endorsement"). Id. at ¶ 11. However, in a letter dated February 16, 2001, Travelers re-confirmed these arrangements with Bell Atlantic and stated that it was preparing endorsements which would reflect these arrangements by excluding BAMS under the various Bell Atlantic policies effective July 1, 1995, April 1, 1996, and April 1, 1997.*fn13 Id. at ¶ 12.
The BAMS Carve Out Endorsement*fn14 provides that:
1. [Neither BAMS], nor any subsidiaries thereof, are Named Insured under this insurance; and
2. This Insurance does not apply to liability incurred by you [e.g., Bell Atlantic] or any of [Bell Atlantic's] subsidiaries arising out of the products, operations, acts or omission of [BAMS], or of any subsidiary [thereof].
Id. at ¶ 14. National Union Policy
During the same time period, National Union issued to Bell Atlantic an Employee Benefit Fiduciary Liability Insurance Policy (the "National Union Policy"), which provided up to $50 million in coverage, subject to a $150,000 retention, for any claims first made and reported during the policy period, August 14, 1997 to August 14, 2003. Pl. 56.1 Stmt. ¶ 1. The National Union Policy provided Bell Atlantic excess coverage to any other applicable insurance. Id. at ¶ 2.
Procedural History
National Union filed its Verified Complaint ("complaint") in New York State Supreme Court on December 28, 2004. The complaint contains three counts. Count One, which is brought in National Union's capacity as subrogee to enforce Bell Atlantic's alleged rights, asserts that Travelers wrongfully refused to provide coverage for the Underlying Actions. Count Two, brought by National Union for contribution, alleges that as a result of Travelers' wrongful disclaimer of coverage, National Union was forced to tender a defense and contribute towards the settlement of the Underlying Actions. Count Three alleges that Travelers' conduct constitutes deceptive acts and practices under General Business Law § 349 ("GBL § 349").
Travelers subsequently removed the action to this Court on May 12, 2005, and moved for summary judgment on September 22, 2005. National Union then cross-moved for summary judgment on November 28, 2005.
A motion for summary judgment must be granted "if the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to any material fact and that the moving party is entitled to judgment as a matter of law." Fed. R. Civ. P. 56(c). In deciding a motion for summary judgment, the evidence submitted must be viewed in the light most favorable to the nonmoving party. See Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 255 (1986). Even if parties dispute material facts, summary judgment must be granted "unless there is sufficient evidence favoring the nonmoving party for a jury to return a verdict for that party." Golden Pacific Bancorp. v. F.D.I.C., 375 F.3d 196, 200 (2d Cir. 2004) (internal citations and quotation marks omitted). In addition, once the moving party has made a sufficient showing, "[t]he non-moving party may not rely on mere conclusory allegations nor speculation, but instead must offer some hard evidence showing that its version of the events is not wholly fanciful." Id. (quoting D'Amico v. City of New York, 132 F.3d 145, 149 (2d Cir. 1998)).
I. Statute of Limitations
A. Count One
Travelers argues that National Union's first claim is barred by the statute of limitations, which it asserts is determined under Pennsylvania law. National Union argues that New York's statute of limitations, under which the claim would be timely, applies here.*fn15
Where jurisdiction is based on diversity grounds, a federal court must apply the underlying conflict of law principles of the forum state. Klaxon Co. v. Stentor Elec. Mfg. Co., 313 U.S. 487, 496-97, 61 S.Ct. 1020, 85 L.Ed. 1477 (1941). In cases involving contracts, New York courts apply a "center of gravity" or "grouping of contacts" approach, pursuant to which they consider "a spectrum of significant contacts, including the place of contracting, the places of negotiation and performance, the location of the subject matter, and the domicile or place of business of the contracting parties." Brink's Ltd. v. South African Airways, 93 F.3d 1022, 1030-31 (2d Cir. 1996) (citing In re Allstate Ins. Co. and Stolarz, 81 N.Y.2d 219, 227, 597 N.Y.S.2d 904, 908 (N.Y. 1993)). The purpose of this analysis is to determine which state has "the most significant relationship to the transaction and the parties." Zurich Ins. Co. v. Shearson Lehman Hutton, Inc., 84 N.Y.2d 309, 317, 618 N.Y.S.2d 609, 612 (N.Y. 1994) (citation omitted).
Accordingly, "[i]n cases involving insurance contracts, New York courts have considered factors such as the location of the insured risk, the insured's principal place of business, the residence of the insured, where the policy was issued and delivered, the location of the broker or agent placing the policy, where the premiums were paid, and the insurer's place of business." Wiener v. Unumprovident Corp., No. 00 Civ. 9315 (NRB), 2002 WL 31108182, at *2 (S.D.N.Y. Sept. 20, 2002) (collecting cases); see Seidel v. Houston Cas. Co., 375 F. Supp. 2d 211, 220 (S.D.N.Y. 2005). A key consideration in the choice of law analysis is which state's law "the parties understood was to be the principal location of the insured risk." Seidel, 375 F. Supp. 2d at 220 (quoting Zurich, 84 N.Y.2d at 318, 618 N.Y.S.2d at 613) (collecting cases).
Not surprisingly, the parties differ as to which events are most relevant for purposes of identifying the state with the greater relationship to this matter. Travelers argues that this Court should focus on the allegations in the Underlying Actions, which were filed in Pennsylvania and assert that "throughout the time of the events complained of [Bell Atlantic] maintained its principal place of business in Philadelphia, Pennsylvania."*fn16
Def. Mem. at 13. In addition, Travelers notes that the 1997 Travelers/Bell Atlantic Policy was issued to Bell Atlantic in Pennsylvania, a fact which it claims should be dispositive to this analysis.
National Union argues that we should focus instead on the fact that for the time period it deems relevant, the principal places of business of both National Union and Bell Atlantic were in New York. Specifically, National Union asserts that the relevant events ---Travelers' issuance of its policy to Bell Atlantic in 1997 and the filing of the Underlying Actions --occurred well after Bell Atlantic had filed a merger agreement with the SEC indicating that it would be merging with NYNEX (and thus would be moving its headquarters to New York) and after Bell Atlantic and NYNEX shareholders had approved the proposed merger. In addition, National Union argues that Travelers was aware of the impending merger well before it issued the 1997 Travelers/Bell Atlantic Policy. In support thereof, it cites numerous articles relating to the proposed merger which were published during the eleven month period prior to the inception of the 1997 Travelers/Bell Atlantic Policy.
The risks covered by the 1997 Travelers/Bell Atlantic Policy were not confined to any one principal location, given the multi-state nature of Bell Atlantic's operations. Despite this fact, we still must determine the state in which the risk was principally located. See Maryland Cas. Co. v. Continental Cas. Co., 332 F.3d 145, 153 (2d Cir. 2003) ("[W]here the insured risk is scattered throughout multiple states, courts still deem the risk to be located principally in one state.").
Both the broker and the insurer are located in states other than New York or Pennsylvania. We note that the 1997 Travelers/Bell Atlantic Policy was issued in Pennsylvania, and the insured was also located in Pennsylvania at the time the 1997 Policy was issued. However, for almost the entire time the 1997 Policy was in effect, Bell Atlantic's principal place of business was in New York. Were this action solely about the terms of coverage under the 1997 Policy, we might still be inclined to decide that Pennsylvania law should govern this matter. However, this case also hinges on coverage under the 1998 Travelers/Bell Atlantic Policy, which presumably was renewed after Bell Atlantic had moved to New York. More importantly, this case is not a dispute over Bell Atlantic's liability for the conduct alleged in the Underlying Actions. Rather, this is fundamentally a dispute over which carrier should have to bear the costs of the defense and ultimate settlement of the Underlying Actions. In light of this posture, New York clearly has a greater interest in this case. Cf. id., at 155. Accordingly, New York applies here, and National Union's action is timely.
II. Lack of Coverage
Defendant also moves to dismiss plaintiff's claims because the Travelers/Bell Atlantic Policies do not cover the subject claims.
A. $250,000 Deductible
First, Travelers argues that plaintiff's claims are barred because the amount sought in connection with the Underlying Actions does not exceed the $250,000 per-employee deductible contained in the Travelers/Bell Atlantic Policies.*fn17 National Union asserts in response that the alleged deductible applies not per employee but per occurrence. At the very least, National Union suggests that the wording of the CG T8 02 Form, which sets forth the deductible amount, viewed in conjunction with other parts of the Travelers/Bell Atlantic Policies, creates an issue of fact as to the parties' intent concerning the deductible.
Our reading of the Travelers/Bell Atlantic Policies supports Travelers' interpretation. Item Six of the EBL Form, entitled "Deductible," contains the text "$*** EACH EMPLOYEE" and references the CG T8 02 Form.*fn18 Def. Ex. A-2. The CG T8 02 Form in turn states that it modifies insurance provided under both the EBL Form and the Commercial General Liability ("CGL") Coverage Part (the "CGL Form"). Def. Ex. A-4. Specifically, the CG T8 02 Form modifies Section III of both the EBL and CGL Forms, stating that:
[o]ur obligation to pay damages and allocated loss adjustment expense under this policy on your behalf applies only to the amount of damages and allocated loss adjustment expenses which are in excess of the deductible amounts stated in the schedule below.
Id. At the bottom of the CG T8 02 Form, the text under the section entitled "Deductible Schedule" reads "$250,000 Damages and allocated loss adjustment expense each occurrence, offense, act, error or omission as applicable." Id. In addition, Section IV of the EBL Form, which is entitled "Deductible", states in part that:
1. Our obligation to pay damages on behalf of the insured applies only to the amount of damages in excess of the deductible amount stated in Item 6 of the Declarations as applicable to "Each Employee." The limits of insurance applicable to "Each Employee" will be reduced by the amount of this deductible. . . .
2. The deductible amount stated in the Declarations applies to all damages sustained by an employee because of an act, error or omission covered by this insurance.
Def. Ex. A-3 (emphasis added). Reading these sections together, it is clear that the Travelers/Bell Atlantic Policies provides for a $250,000 deductible to be applied separately to each employee.
National Union's primary argument in support of its assertion that the $250,000 deductible applies on a per-occurrence basis is founded upon the wording of the Deductible Schedule. Specifically, National Union focuses on the fact that the Deductible Schedule provides for "$250,000 Damages and allocated loss adjustment expense each occurrence, offense, act, error or omission, as applicable."*fn19 Def. Ex. A-4 (emphasis added). National Union suggests that the "each occurrence" language directly conflicts with the "each employee" language found elsewhere in the Travelers/Bell Atlantic Policies. However, as Travelers asserts, and as explicitly stated in the text, the CG T8 02 Form modifies both the EBL and the CGL Forms. The latter covers injury or damage predicated upon an "occurrence" and injury predicated upon an "offense." Because both Coverage Parts are modified by the CG T8 02 Form, Travelers maintains that it is thus only natural that the CG T8 02 Form should mention "occurrence" or "offense" (in reference to the CGL Form) as well as an "act, error or omission" (in reference to the EBL Form). Indeed, the text of the CG T8 02 Form supports this interpretation, as it states that it covers damages and allocated loss adjustment expenses incurred "as the result of any one occurrence, or offense, or act, error or omission (as applicable)." Def. Ex. A-4 (emphasis added). In short, the language of the CG T8 02 Form provides alternative wording depending upon the applicable Coverage Part.*fn20 Based on our conclusion that the policy provides for a $250,000 deductible per employee and the acknowledgment that the per employee damages do not exceed the deductible amount, there is no coverage under the Travelers/BAC Policies.*fn21
B. The EBL Form: "Administration"
As discussed above, the EBL Form insured against any "negligent act,
error, or omission" committed in the "administration"*fn22
of the insured's employee benefit program. Def. Ex. A-3. The
parties have focused primarily on whether the allegations made in the
Underlying Actions involved the "administration" of the employee
benefit program. Travelers asserts that only ministerial activities
would fall under the umbrella of "administration" while National Union
argues that, as alleged in the Underlying Actions, Bell Atlantic
effectively "counseled" employees and terminated their participation
in the benefit program.
We note that courts in various jurisdictions have interpreted virtually identical definitions of "administration" to be limited to ministerial acts. See, e.g., Maryland Cas. Co. v. Economy Bookbinding Corp. Pension Plan and Trust, 621 F. Supp. 410, 413 (D.N.J. 1985) (noting that a similar definition "limits coverage to liability incurred in relatively routine, ministerial acts"). Similarly, we find that the term "administration" as defined in the Travelers/Bell Atlantic Policies addresses ministerial actions rather than the kind of deliberate, discretionary activity charged in the Underlying Actions. In short, the allegations made in the Underlying Actions would not constitute "administration" as provided for in the EBL Form.
Nevertheless, regardless of which definition of "administration" is applied, National Union's claim still would fail. The EBL Form explicitly requires a "negligent act, error, or omission." Id. (emphasis added). Thus, the Underlying Actions, which allege that Bell Atlantic engaged in a deliberate "scheme" to "induce" employees to accept employment with BAM and also "concealed the true facts," see Def. Ex. D; Def. Ex. G, would be precluded from coverage for this reason alone.*fn23 Cf. Hugo Boss Fashions, Inc. v. Federal Ins. Co., 252 F.3d 608, 621 (2d Cir. 2001) ("Where, for example, a complaint alleges an intentional tort, and the insurance contract provides coverage only for harms caused by negligence, there would be no uncertainty as to the applicability of the policy exclusion, and hence, no duty to defend the particular suit brought.") (collecting cases). Therefore, we find that this rationale provides an alternative basis for granting Travelers' motion for summary judgment.*fn24
III. Count Three
A prima facie case under GBL § 349 "requires . . . a showing that defendant is engaging in an act or practice that is deceptive or misleading in a material way and that plaintiff has been injured by reason thereof." Oswego Laborers' Local 214 Pension Fund v. Marine Midland Bank, N.A., 85 N.Y.2d 20, 25, 623 N.Y.S.2d 529, 532 (1995) (citation omitted). A plaintiff "must demonstrate that the acts or practices have a broader impact on consumers at large. Private contract disputes, unique to the parties, for example, would not fall within the ambit of the statute." Id.
Because plaintiff does not establish the kind of public harm required under the statute, and in light of our conclusion that there is no coverage under the Travelers/BAC Policies, Travelers' motion for summary judgment against Count Three also is granted.
For the reasons set forth above, defendant's motion for summary judgment is granted, and plaintiff's cross-motion for summary judgment is denied.
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New London - Lise-Marie Zanghetti, a volunteer EMT in Waterford, anticipated a medical emergency Wednesday afternoon when she watched a refrigerated truck careen out of control on two wheels while she was stopped at a traffic light on Bank Street.
The truck tipped over on its side and slid to a stop across the sidewalk on Jefferson Avenue.
But before the emergency medical technician had a chance to grab her first-aid bag, a New London police officer came running down Bank Street toward the truck with his pistol out, shouting, "Put your hands were I can see them."
What happened over the next three to five minutes, she said, unfolded in almost slow motion.
"(The officer) ran down to Jefferson and got right in front of the truck,'' she said on Friday. "He had his gun out, extended. It scared the (expletive) out of me.
"The officer was yelling in a monotone manner and repeated his statements four times,'' she continued.
The officer ordered the driver to put his hands where he could see them. He yelled, "Stand up and put your hands over your head in front of you."
"The person did not appear to comply,'' she said as she watched the stand-off, crouched behind her car. She could not see the driver of the truck from where she was.
"The officer repeatedly said, 'Do not put your hand behind your back. I'm warning you, do not put your hand behind your back. I've warned you, do not put your hand behind your back,'" she said.
Another officer, who had climbed on top of the truck, also with his gun drawn, peered into the cab and then slightly pulled back, she said. That's when shots were fired.
State police are investigating the police shooting of 27-year-old Curtis Cunningham, of New Haven, who had moments before allegedly stolen the truck from outside a Montauk Avenue liquor store. Cunningham remains in critical condition at Yale-New Haven Hospital.
New London Police Officer Thomas Northup, a 3½-year veteran of the department who fired his gun, has been assigned to administrative duty during the investigation.
Zanghetti said the police never said anything about a weapon. They gave the man in the truck multiple chances to obey their orders, she said.
"The officer never said, 'Put your gun down,''' she said. "I was surprised at how long the altercation went on for. I was surprised at how many warnings the officer gave."
After the shooting, Zanghetti said her training as an emergency medical technician kicked in, and she went to the trunk of her car for her first-aid bag. City firefighters were already tending to Cunningham, so she offered to help direct traffic.
For an hour, she stood at the intersection of Montauk and Bank and rerouted cars away from the scene. She was relieved of her duties when police realized she was an eyewitness. She gave a statement to state police.
Zanghetti said she has no idea why she uncharacteristically took a left onto Bank Street Wednesday afternoon when she left work at Bayard Inc., a publishing company located on the second floor of the Chelsea Groton Bank building at 1 Montauk Ave.
She said she always takes a right turn on Bank and then a right on Montauk to avoid traffic at the busy intersection of Bank Street, Ocean and Jefferson avenues.
She was headed to buy bottled water and fill up her gas tank in anticipation of Hurricane Irene when she came upon the scene.
On Friday, she said the entire incident kept replaying in her mind. She can hear yelling when she closes her eyes. While stopped at the traffic light, she thought the truck, which was about 5 to 7 feet from her car, was going to land on top of her. She put her hands up to protect her head.
"I think this is going to have a mark on me for a long time,'' she said. "I still feel on edge."
State: City must rehire officer fired for using excessive force
Attorney accuses police of using excessive force in August shooting
State police name man who was shot and officer who fired gun
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Take a test drive at Naskart Indoor Kart Racing in Montville
VIDEO: Salem man's family to get $950,000 in fatal police shooting
Malloy strikes deal with unions to stretch out spiking state pension costs


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Baker Nadiya Hussain
GBBO Nadiya's christmas traybake.
Bake Off winner Nadiya Hussain's white chocolate and raspberry brioche pudding - a twist on bread and butter pudding using brioche
Nadiya Hussain's zebra cake More
Triumphant: Nadiya Hussain was announced as Great British Bake Off 2015 winner on Wednesday night
Nadiya Hussain says she has been shoved and had things thrown at her as part of Islamophobic abuse, which she claims gets worse after every terrorist attack committed by Muslim extremists.
LIZ JONES: Why are we so bewitched by a sweet-guzzling bun baker?.16
Nadiya's showstopper wedding cake.
You won't believe what Nadiya Hussain's friends thought when she appeared on the Bake Off prima.co.uk
As part of her celebrations the Queen was presented with a cake by Bake Off winner Nadiya ...
Zak Mahinfar, Nadiya Hussain: Not a Muslim, just a brilliant baker


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Providence Health & Services Radiology Technologist ( Per Diem Variable Shifts ) Imaging Services in San Pedro, California
Providence is calling a per diem, variable shift Radiology Technologist to Providence Little Company of Mary Medical Center in San Pedro, CA.
In this position you will:
Perform a variety of radiographic procedures at a skilled technical level requiring the ability to apply prescribed ionizing radiation for diagnosis.
Be assigned to perform some special procedures, which require the use of complex equipment (i.e., CT, MRI, Ultrasound).
Occasionally direct and supervise quality control in the department.
Perform related work as required.
Required qualifications for this position include:
A.A. Degree in Radiological Technology or equivalent in approved A.M.A. program
Valid California State Certification License in unlimited diagnostic radiology services.
Current Basic Life Support ( BLS ) certification for Healthcare Providers sponsored by the American Heart Association
About the hospital you will serve.
Providence Little Company of Mary Medical Center San Pedro is a 259-bed nonprofit hospital that has served the Harbor and greater South Bay communities since 1925. Our Medical Center offers a comprehensive array of medical and surgical services each distinguished by innovation, quality and excellence in its respective area. We received the CHART "Certificate of Excellence" for receiving superior or above average results across the majority of outcomes and process measures publicly reported by CHART. We ranked in the top 21 among more than 240 hospitals throughout the state compared by California Healthcare Foundation, and were the first location in the South Bay to carry the Gold Seal of Approval® from The Joint Commission for Primary Stroke Centers. As a member of Providence Health & Services, we are continually driven by the caring tradition of our heritage – the foundation of our Mission and core values – to embrace respect, compassion, justice, excellence and stewardship. Providence Health & Services today celebrates unprecedented growth, recognition for top quality health care, a vibrant employee culture where new ideas are encouraged and a drive to help the underprivileged - all with an eye toward the future.
We offer a full comprehensive range of benefits - see our website for details
Our Mission
As people of Providence, we reveal God's love for all, especially the poor and vulnerable, through our compassionate service.
About Us
Providence Health & Services is the third largest not-for-profit health system in the United States. Providence employs more than 76,000 caregivers (employees) across a five-state area; AK, WA, MT, OR, and CA. Our facilities include 34 hospitals, 475 physician clinics, senior services, supportive housing and other health and educational services. Providence is proud to be an Equal Opportunity Employer. Providence does not discriminate on the basis of race, color, gender, disability, veteran, military status, religion, age, creed, national origin, sexual identity or expression, sexual orientation, marital status, genetic information, or any other basis prohibited by local, state, or federal law.
Schedule: On Call
Shift: Variable
Job Category: Diagnostic Imaging
Location: California-San Pedro
Req ID: 138059


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An Amazonian tribe has been discovered that has no concept of time or dates, scientists said today. The Amondawa people of Brazil do not even have words for 'time', 'week', 'month' or 'year', said Chris Sinha, of the University of Portsmouth.He argues that it is the first time scientists have been able to prove time is not a deeply entrenched universal human concept, as previously thought. Professor Sinha, who reported his findings in the journal Language And Cognition, said: 'For the Amondawa, time does not exist in the same way as it does for us.'We can now say without doubt that there is at least one language and culture which does not have a concept of time as something that can be measured, counted or talked about in the abstract. 'This doesn't mean that the Amondawa are "people outside time", but they live in a world of events, rather than seeing events as being embedded in time.'Team members, including linguist Wany Sampaio and anthropologist Vera da Silva Sinha, spent eight weeks with the Amondawa researching how their language conveys concepts like 'next week' or 'last year'.There were no words for such concepts, only divisions of day and night and rainy and dry seasons. They also found nobody in the community had an age.Instead, they change their names to reflect their life-stage and position within their society. For example, a little child will give up their name to a newborn sibling and take on a new one.First contacted by the outside world in 1986, the Amondawa continue their traditional way of life, hunting, fishing and growing crops.But now along with modern trappings such as electricity and television, they have gained the Portuguese language, putting their own language under threat of extinction.
My name is Nungshilong Longkumer, I am from Lirmen village and I am a B.Com graduate student born and brought up from Kohima.
The influence of art has always been there since from


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HTC fails again in German court
Photo: Tanjala Gica / Shutterstock.com
Smartphone companies Nokia and HTC have ended their long-running patent dispute and signed a "patent and technology collaboration agreement".
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Some people just don't like to write. They come into English or writing classes dreading the experience. Some people even feel born to hate writing. Well, if you are one of these people, here are some ways to boost your enjoyment of writing:
This is not so easy if you are given a set task that is narrow in scope. But in these situations, you can still find a way to write about something that excites you.
If you have the opportunity to write about almost whatever you want, you can find a topic that riles you up, gets your emotional, or gives you a desire to take action. Feeling passionate about a topic is a sure way to write well about it.
Remember, you don't have to write like a textbook author. You can write in an entertaining and engaging style. But don't use slang and colloquialisms. Those will just be marked with a red pen by your teacher.
Sometimes, you think a topic is boring, but after you research it a bit, you find there are tons of strange facts about it that you never knew. These strange facts can turn into a great research paper, expository essay, or persuasive paper, for example.
To really get interested in something, you need to delve into it. Look deep into a subject, and I guarantee that you will be fascinated by something about it.
Well, that's about it. If you have any suggestions or experiences you want to share, write something in the comment section below.
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Health insurance
Sick system – private health insurance in crisis Should you have private health insurance? Try our interactive calculatorThis calculator will show you if you should get private health insurance for tax reasons, and the total amount it would cost you over your lifetime
Medication I was given on discharge from hospital using private healthcare was charged at many times the high street price
Frustration grows among subscribers as companies are threatening to back out of health marketplaces, but some experts urge patience over growing pains
Insurance companies want to weaken Obamacare. We can't let themHaider Javed WarraichAetna is the latest company to withdraw from some of the state exchanges. The insurers claim it's due to cost, but it's more likely due to politics
Lack of competition pushes up healthcare costs for consumers. That's why the Department of Justice should stay firm against monopolistic deals
Anthem trying to buy Cigna and Aetna wants to purchase Humana but regulators argue deals would lessen competition and drive up healthcare costs
The website and phone number for European health insurance card registration is expected to be unavailable until Monday afternoon, leaving last-minute applicants in the lurch
The ACCC starts proceedings in court alleging Medibank subsidiary ahm deliberately failed to give members notice about pathology and radiology
The practical impact of the US's largest health insurer quitting insurance exchanges created by Obamacare is small, but it adds fuel to critics' arguments
Party leader, Richard Di Natale, calls rebate as 'a public policy disaster' that has not eased pressure on public hospitals
Privacy experts raise concerns about data collected through employer wellness programs, which they say have potential to become surveillance programs
Three years after the FA made insurance mandatory for 11-a-side teams in England some in the grassroots game think NGIS 'is not worth paper it's written on'
'Free at the point of use' has had its day. Other European countries use health insurance without the poor suffering, so why can't we?
Andrew Cuomo to announce executive action against 'hateful and fundamentally flawed practice' upon receiving Human Rights Campaign award
Private Healthcare Australia, which represents the insurance industry, says companies are working hard to keep charges as low as possible
Health minister says 5,700 items on the medical benefits schedule will be reviewed but Australian Medical Association warns patients' costs could rise
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The number of uninsured Americans decreased by 8.8 million in 2014, according to poverty measure data released by the US Census bureau
Some states have already approved hikes as high as 36% as firms seek increases for a third of the health insurance plans listed on the Obamacare exchange
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Currently Browsing: Results for Tag "Zelda"
Cia's Excellent Taste In Decor
Posted on 08/09 17:47 in
Boy, I sure don't hope this starts a shirtless muscular Link thread.It would just be awful to see him just after training with beads of sweat trickling down his toned chest.
Read More
The New Legend of Zelda Game Is Delayed to 2017
Posted on 03/14 19:50 in
After being delayed from its original 2015 release date, the new upcoming Zelda game won't make this year, either.In a financial report released today, Nintendo has the upcoming Zelda game slated for 2017 in Japan, North America, and Europe.
Read More
Sony may beat Nintendo to the punch, next-gen NX console not due until 2017
Posted on 03/25 17:03 in
Ever since rumors surfaced of a new Nintendo console, it's been assumed that Nintendo would launch a new platform before either Microsoft or Sony could finalize their own next-generation offerings.We can't fairly call this a delay, since Nintendo hasn't previously set a target for its NX launch.
Read More
What to expect from E3 2016
Posted on 06/01 16:04 in
We're less than two weeks away from E3 2016, and in spite of the incessant "E3 is dying" narrative, there's a lot going on.The Legend of Zelda is the only Nintendo game coming to E3 this year.
Read More
Nintendo Expands on E3 Streaming Plans
Posted on 06/03 06:21 in
The announcement stated that the Legend of Zelda for Wii U would be the only thing playable in Nintendo's E3 booth, and in place of the usual "Nintendo Direct" video, the company would instead do a day-long Zelda stream.It did also say that Nintendo would release more info on its E3 plans later, and today they've done exactly that.
Read More
ZI Podcast Ep. 001: Zelda U's Demo Shenanigans, a New Era, & Least Liked 3D Zelda Games
Posted on 06/06 07:21 in
Hey everyone and welcome to our first ever episode of the all new Zelda Informer Podcast.After a one week break, the podcast has returned and been reborn into something all new and entirely different than what it was before.
Read More
ZI Podcast Ep. 003: E3 Demo Impressions of Breath of the Wild
Posted on 06/23 13:18 in
Hey everyone and welcome to yet another special edition of the podcast, this time featuring three very special guests along with our host, Nathanial Rumphol-Janc, as we detail out our initial gameplay impressions of The Legend of Zelda: Breath of the Wild.Those guests include Rod (Senior Editor for Zelda Informer), Zion (Former Zelda Informer Writer), and Eric (Best friend of Nathanial & behind the scenes helper).
Read More
The new Zelda is ambitious, but the Wii U is having a hard time keeping up
Posted on 06/23 19:05 in
During last week's E3 extravaganza, Nintendo finally dove deep on The Legend of Zelda: Breath of the Wild.By all accounts, this is a massive game that's being crammed onto last-gen hardware much like Metal Gear Solid V.
Read More
ZI Podcast Ep. 005: Zelda Series Gender Debate Put to Rest & E3 Bets Results
Posted on 07/08 21:39 in
This weeks podcast features yours truly, with our regular co-host Alfred back in his usual spot as a ZI Podcast first timer joins us.This weeks podcast finally gets to put to rest the seemingly endless gender debate, thanks in large part to Mr.
Read More
ZI Podcast Ep. 006: Leaked Hyrule Warriors DLC, Zelda in a Rut, & More Multiplayer
Posted on 07/08 21:41 in
So we settle the score right off the bat with what I personally would describe as a come from behind, totally unexpected, victory.After those shenanigans we get back into our regular format.
Read More
ZI Podcast Ep. 008: Thoughts on Breath of the Wild's Delays & NES Mini
Posted on 07/30 06:19 in
This week's episode of the Zelda Informer Podcast is a bit of an odd one, as we had to call upon our fan base at the last moment to step up and create a worthwhile podcast.They were brave enough to answer the call and we at Zelda Informer are enternally grateful.
Read More
ZI Podcast Ep. 011: Zelda & Metroid's 30th, Shutting Down Fan Projects
Posted on 08/12 04:51 in
This week we cover some rather series topics, including some much beloved anniversaries for both Zelda and Metroid, Nintendo's take down of fan projects, and a slew of fan questions pertaining to some interesting Zelda lore.We have a jam packed podcast this week despite the fact that it's just the hosts this week.
Read More
'The Legend of Zelda: Art & Artifacts' offers an early peek at the next game
Posted on 08/23 01:21 in
The Legend of Zelda: Art & Artifacts offers a peek behind the scenes at Zelda's long history, with more than 400 pages containing concept art, promo materials and interviews with the design team.For Dark Horse, Art & Artifacts is a follow-up to The Legend of Zelda: Hyrule Historia, a 2013 release that established an official timeline for the various games in the series.
Read More
Legend of Zelda: Breath of the Wild Video is All About Arrows
Posted on 08/29 02:38 in
Developers have now turned their attention toward Link's archery abilities by releasing a short video on the official Nintendo of America Twitter account to show off the different types of arrows The Legend of Zelda: Breath of the Wild protagonist will be using in the game.Perhaps the most interesting part of this reveal for Link's arrows in The Legend of Zelda: Breath of the Wild is the fact that fans will be able to chain them in unique ways, or save them for occasional problem-solving.
Read More
The Legend of Kusakari review - ChristCenteredGamer.com
Posted on 09/13 03:09 in
I often find myself pondering what Link does after rescuing Zelda, or any other maiden for that matter.I came to the conclusion that he must cut down a lot of patches of grass to pass the time until Ganon returns.
Read More
New details on Nintendo's mini-NES point to gorgeous graphics, but very short cables
Posted on 10/03 20:38 in
Ever since Nintendo announced it would offer a pint-sized mini-NES with 30 classic games pre-loaded, there's been a significant groundswell of interest from nostalgic gamers.New information and side-by-side playthroughs suggest that the micro-console offers better graphics than even Nintendo's own Virtual Console on the Wii U.
Read More
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|YourMechanic Price
|Shop/Dealer Price
|2011 Hyundai EquusV8-4.6L
|Service typeBattery Replacement
|YourMechanic Price$223.49
|Shop/Dealer Price$276.38 - $402.39
|2012 Hyundai EquusV8-5.0L
|Service typeBattery Replacement
|YourMechanic Price$220.65
|Shop/Dealer Price$272.90 - $396.83
Real customer reviews from Hyundai owners like you.
The battery is the sole source of electrical power for the car. The battery is charged during vehicle operation by the alternator. If the battery is not charged sufficiently, you will not be able to start the car or use any electrical components (lights, radio, etc.).
Have a car question? Get free advice from our top-rated mechanics.


text:
Here Is Where We Meet
Here Is Where We Meet
Vintage Books USA, Paperback, 9781400079339, 237pp.
Publication Date: August 8, 2006
"A work of narrative art that is a fusion of all the forms he has mastered. . . . Berger once again is our guide to being truly present in life." –The Seattle Times & Post-Intelligencer
"A wonderful memoir/meditation/fiction, a vehemently personal sojourn through space and time that is almost as beautifully unclassifiable as Calvino's Invisible Cities." –Buffalo News
"Either an autobiographical fiction, a fictional autobiography, or maybe a hybrid of breviary, consecration, and ancestor worship; in any case, quite brilliant." –Harper's
" Berger unpacks a lifetime of living and dreaming into a series of inventive travelogues. . . . This is writing as art and armchair travel for those who love to get lost in the moment." –Kansas City Star


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Thanks Ken for your work to build my planter boxes on the deck. I was very impressed with your professionalism and attention to detail. I would definitely recommend you to anyone looking for a builder.
The job was done fast & at a great price. I would recommend M & M Tiles & Renovations to anyone needing quality work done. If I ever need their services again they will be my first call. Thanks Matt
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Added to Shopping Bag
Elliot Lucca White Tote Bag
Listed by Ashley K
Price: $48.50
Returnable for Site Credit.
You can request a return for Tradesy Site Credit within 4 days of delivery. FREE return shipping.
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This bag fits all you need for eveyday use! There is a front pocket perfect for your cellphone so you dont have to empty everything out in search of it. There are blue pen marks on the inside interior and some wear on the back but not very noticable or trivial.
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from italy to argentina,surname casamento
Over 25 million Italians have emigrated between 1861 and 1960 with a migration boom between 1871 and 1915 when over 13,5 million emigrants left the country for European and overseas destinations.
2 posts • Page 1 of 1
from italy to argentina,surname casamento
i'm italian and i'm looking for my cousins in argentina.my uncle started from italy to buenos aires at the beginning of 1900.his name was casamento and he came from patti a small town in sicily.i need your help thanks.how can i find my argentinas'cousin?
- PeterTimber
- Master
- Posts: 6817
- Joined: 16 Dec 2007, 18:57
- Location: Yonkers NY
Re: from italy to argentina,surname casamento
If you go to www.paginasamarillas.com.ar you will find 23 persons surnamed Casamento. Should you wish to send a letter to any of these persons please let me know so that I can give you Postal code whichis needed in Argentina for letters to arrive promptly or if at all. =Peter=
2 posts • Page 1 of 1
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OnomasticoYesterday : s. Giulio Today : s. Nicola Tomorrow : s. Ambrogio


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As mentioned earlier, Python tkinter scripts show images by associating independently
created image objects with real widget objects. At this writing,
tkinter GUIs can display photo image files in GIF, PPM, and PGM
formats by creating a
object, as well as X11-style bitmap files (usually suffixed with an
.xbm extension) by creating a
BitmapImage object.
This set of supported file formats is limited by the underlying Tk library, not by tkinter itself, and may expand in the future (it has not in many years). But if you want to display files in other formats today (e.g., the popular JPEG format), you can either convert your files to one of the supported formats with an image-processing program or install the PIL Python extension package mentioned at the start of Chapter 7.
PIL, the Python Imaging Library, is an open source system that supports nearly 30 graphics file formats (including GIF, JPEG, TIFF, PNG, and BMP). In addition to allowing your scripts to display a much wider variety of image types than standard tkinter, PIL also provides tools for image processing, including geometric transforms, thumbnail creation, format conversions, and much more.
To use its tools, you must first fetch and install the PIL package: see
(or search for "PIL" on the web). Then, simply use special
PhotoImage and
BitmapImage objects imported from the PIL
ImageTk module to open files in other graphic formats. These are ...


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"Edificio de Correos ? Palacio Postal" Mexico City Things to Do Tip by AnnaLupilla
Mexico City Things to Do: 829 reviews and 1,315 photos
A group of architects and engineers headed by Italian architect Adamo Boari, who also played a main role in building the neighboring Palacio de las Bellas Artes, was in charge for the design and construction of Mexico City?s Main Post Office. It was built between 1902 and 1907 under control of engineer Gonzalo Garita.
The building is a combination of several styles ? Spanish plateresque and 19th century Spanish; Moorish features in the multifoil arches; Gothic in the cresting; Renaissance and Venetian elements in half-point arches and loggias ? which altogether create a harmonious and elegant esemble.
The fa�ade is covered with yellow-rose quarry stone from the State of Hidalgo. Interior finishings, ironwork, banisters, electrical and hydraulic installations, telephones, elevators and general furnishing were mostly imported and were state-of-the-art equipment in the world.
The post office kept on working without interruptions since 1907, firstly as the site of the Mexican Postal Service and secondly housing the Museo Filatelico and several post offices. It is also the point of reference for street numbers, which increase in all directions as they move away from this building.
Address: Calle Tacuba & Eje Central Lazaro Cardenas
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WIP part 2 - Working with @Regina Casaleggio on this. Now adding colors and details to the scene.
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Download – Cinderella v1.4.1 Theme for Beauty, Hair and SPA Salons
Cinderella v1.4.1 WordPress Theme is for Beauty, Hair and SPA Salons is the product which has been made especially for Small Businesses in Beauty Industry. It has the capacity to equally fit a Single Local Salon as well as a Network of Salons with Multiple Locations.
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To install a WordPress Plugin manually:
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- Click Activate to activate it.


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Medicare's open-enrollment period, when the 49 million Americans who use the program can make changes to their 2013 coverage, is about to come to a close – for most beneficiaries and their families, the deadline for alterations is midnight on Friday, Dec. 7.
AARP Is No Friend To Big Pharma
When it comes to the chronic over-medicating of older adults, AARP has been a consistent critic of Big Pharma and the doctors who overprescribe dangerous cocktails of drugs without fully understanding their impact on older adults.
And considering the size of this epidemic, it's a darn good thing AARP is trying to do something about it.
4 Ways to Save on Prescription Drugs
Given the recent rise in drug prices and the increasing number of patients, especially those over 60, who are taking multiple medications each month, saving money on prescription drugs is increasingly important.
PolyPharmacy — the 'Poisonous Cocktail'
The "poisonous cocktail," as it's called in the healthcare biz, is the staggeringly common practice of over-prescribing prescription drugs — primarily to older adults. As The New York Times reported in a great piece a couple years ago:Secondary SidebarDr. Bill Thomas Presents: Dr. Thomas' Age of Disruption Tour visits 30 cities in 2016 to introduce […]


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Believe it or not, we import as much as a third or more of our food, and it comes with plenty of problems. You recall several incidents of Salmonella and e. coli outbreaks in vegetables and salad greens. Hundreds of people became ill. Part of the problem is unhealthful produce coming in from Mexico. Think of how much concern there is about contaminants in food from China, as it has been reported in the news from time to time. Who ever thought we'd be importing so much food from China for such concerns to even be noticed?
As if that isn't enough, what would happen if we had repeated incidents of grain elevators having problems in the Dakotas and throughout the Midwest getting propane necessary for drying harvested grains? This happened a few years ago. Grain could spoil in the bins, or it could go bad or produce much lower yields if left in the fields.
What's more, what if there were difficulties getting ammonia for fertilizer next spring? What if insurance companies balked on paying claims to farmers who've experienced floods and drought? What if banks balk at lending money to farmers? Could these factors combine and lead to food shortages next year? Time will tell, but it all makes a good case for having long term storage food on hand, such as Nitro-Pak's Ultimate-Pak Food Reserve.
I've written here before about purchasing storage food, but things really are more serious than we've seen in decades in this country. If you find all of this as compelling as I do, I have to caution you that you're not the only one thinking about storage food. The government has been purchasing plenty, causing tight supplies from time to time.
Nitro-Pak's Ultimate-Pak Food Reserve gives you what you need to feed 4 for 3 months or 1 person for a full year. You and your family will enjoy an astonishing variety of fast, delicious tasting meals anytime with no preparation hassles or cooking. Just add water and eat. Nitro-Pak calls it 'no-brainer' food storage. All Mountain House #10 canned freeze-dried foods have a super long 25 year shelf life, the longest of any storable foods… Mountain House foods are second to none in quality of ingredients, simplicity of preparation, and gourmet taste.
Remember, purchasing a supply of storage food isn't hoarding. You'll be helping yourself and your family to survive, and you won't be a drag on the system in time of shortages or disaster. With the variety of top quality foods you get with Nitro-Pak's Ultimate-Pak Food Reserve, you won't suffer from boredom or appetite fatigue.
Don't wait to see if we'll have food shortages next year. Order your Nitro-Pak Ultimate-Pak Food Reserve today and be ready for whatever comes our way. Incidentally, if food shortages don't materialize after you've purchased your Ultimate-Pak Food Reserve, what's the harm in being wrong? When survival is at stake, being prepared is a must.
Food shortages and even famine sounds unthinkable right now, but how many things have we seen in recent weeks and months that we thought couldn't happen? Don't take shortcuts with food for your family. Get Nitro-Pak's Ultimate-Pak Food Reserve and feed yourself for a year or 4 people for 3 months.
Thousands of customers each year rate Nitro-Pak Number One in the industry. Join their ranks. Nitro-Pak wants your business, and they're ready and waiting to take your order with excellent customer service and the lowest prices.
Click on the logo below to go to Nitro-Pak's page to view their freeze dried food choices. That's where you can get more info and place your order. Do it while you can, because you can't afford to gamble on the status quo.


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Dog Walkers in Maplecrest, NY
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Wondering what you should be paying for a walk? Check out our standard dog walking rates for a comparison.


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Lincoln Park public art presentation tomorrow
Here's a plea from In:Site, a group that organizes temporary public art installations. I would echo many of these points and encourage anyone interested in public art in the city to attend.
IN:SITE, fostering temporary public art in Milwaukee County, encourages citizens to attend a public meeting on Saturday, March 7th, 1:30-3:30, at the Lincoln Park Golf Course Clubhouse Meeting Room, 1000 W. Hampton Ave. The Milwaukee County Public Art Committee (MCPAC) is hosting the meeting so that artist Takashi Soga can make a presentation about his proposed permanent public art project for Lincoln Park. It will probably be situated near the new aquatic center. If selected, Soga will receive close to $250,000.
Pegi Taylor, chair and site manger of IN:SITE, serves on the MCPAC. Taylor has voiced the following objections, based on IN:SITE's analysis and as a concerned Milwaukee County citizen:
1) Usually a selection committee comes forward with proposals by multiple artists for public preview and comment.
This process was used with the South Shore Park project. At an open house, the people who attended clearly favored artist Richard Hansen's "Edge Elements" over the other finalists. The selection committee agreed and the series of stone sculptures were installed in 2007.
For Lincoln Park, the public has been left out of the process, since the selection committee decided to bring in only one artist. Taylor, not on the selection committee, attended the meetings and asked the selection committee, and later the MCPAC, to bring in multiple artists without success.
2) IN:SITE encouraged a number of local artists and artists originally from Milwaukee to put forward proposals. IN:SITE hoped the $250,000 might go to local artists willing to put forward site-specific projects. One of the projects, by the local team of John Riepenhoff, Kat Pham, and Sarah Luther, made it into the top five proposals. IN:SITE believes this project is superior. This local project was prematurely eliminated from the running.
3) Takashi Soga will be presenting two-three variations of his concept and will explain their site-specific aspects.
This is an image of a very similar Soga two-ring sculpture elsewhere:
IN:SITE believes this sculpture has no relevance to the park landscape. It is a piece of cookie cutter '70s style plop art. Perhaps Soga will come forward with a stunning piece that speaks to the site, but based on the artist's past work, IN:SITE is apprehensive.
IN:SITE urges citizens to come and hear Soga's presentation. There will be time for Soga to answer questions and for citizens to fill in comment sheets.
- On Tap Today: Saving St. Josaphat
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- Dirk Skreber's exhibit at Milwaukee Art Museum captivates with catastrophe
- Too much testosterone at the Business Journal?
- Finalists named for public art project on W. Wisconsin Ave.
- Ten art books for art lovers this holiday season
- Art-inspired alternatives to Black Friday
- Art City Radio: Nicolas Lampert and Black Friday
- Art City Radio: Tag Milwaukee
- Nohl exhibit a mismatch for some fellowship winners' art
Design Ideas is a weekly column exploring the many ways that design intersects our lives.
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Black And White Textured Skirt
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We have been so lucky to find Marie and we now have a huge wall filled with her beautiful photos that have captured our true personalities. I'd use her again and recommend her to other people.
Anthony was professional before, during and after our event. His pictures were amazing and everyone at the event mentioned how great he was. His pricing was very reasonable. We will definitely be using him again and we will be recommending him to others.
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Theories of Financial Disturbance
An Examination of Critical Theories of Finance from Adam Smith to the Present Day
Jan Toporowski
Jan Toporowski
The macroeconomic consequences of finance are a neglected part of financial economics. This may be in part because the professional duty of central bank economists condemns them to measuring the efficacy of monetary policy, and that of economists employed in banks and financial institutions condemns them, at worst, to advertising their employers' wares and, at best, to projecting asset prices, calculating optimal portfolios, and anticipating the policy of the central bank. Such neglect comes in spite of the domination of the markets by large collective investing institutions (pension funds, insurance companies and investment funds) that has emerged in the second half of the twentieth century. Although such institutions are more amenable to study than individual investors, their activities in many cases have shown that their bureaucratic rationality in the face of their ignorance is little advanced on that which Keynes criticised 75 years ago: The ignorance of even the best-informed investor about the more remote future is much greater than his knowledge, and he cannot but be influenced to a degree which would seem wildly disproportionate to anyone who really knew the future, and be forced to seek a clue mainly here to trends further ahead. But if this is true of the best-informed, the vast majority of those who are concerned with the buying and selling of securities know almost nothing whatever about what they are doing. They do not possess even the rudiments of what is required for a valid judgement, and are the prey of hopes and...


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Having unwanted fat in different locations of your body can have a substantial impact on your health and self-esteem. While traditional weight-loss through workout and diet is a fantastic way to slim down in general, even the very best exercises can't target problem locations like the belly, inner thighs, arms, and butts. Liposuction is a time evaluated treatment that is used to remove excess fat from particular locations of the body, allowing an individual to shape and contour their body to their liking. Is liposuction right for you? Learn now.
Pros of Liposuction
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• Recovery time is generally quickly. The downtime needed after having this type of procedure is usually much less than what is needed for other types of cosmetic treatments, consisting of tummy tucks, breast reduction, and more. Individuals who have had the treatment can typically return to work far more quickly than they anticipated and can return to living a healthy, active way of life.
• Weight loss can be long-term. With the best upkeep methods, the fat that was gotten rid of during the liposuction procedure will not return.
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Before having actually liposuction done, it is essential to examine the prospective disadvantages of the procedure and figure out if the benefits surpass the dangers in your particular case. Your surgeon can help you find out more about the threats related to the procedure and can help you choose if moving on is the best thing for you.
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There are dangers associated with liposuction, for lots of people, the benefits far outweigh them. Inform yourself about the treatment by having extensive discussions with your surgeon and think about how liposuction has the potential to impact you as a distinct individual. Just you and your surgeon can determine if liposuction will provide you with the outcomes you are trying to find within your expectations.
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Marcellus & Utica Shale Story Links: Mon, Mar 7, 2016
The "best of the rest" – stories that caught MDN's eye that you may be interested in reading. In today's lineup: Where is the media for the Dimock trial?; Shell keeps working on the PA cracker; yet another lawsuit against Chesapeake from leaseholders, this one in Oklahoma; DOJ drops indictment against dead Aubrey McClendon; rig counts near record low; LNG export terminals grow; wind turbines killing Willy the whale; and more!


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Study and Revise for GCSE: AQA Poetry Anthology: Power and Conflict: AQA Poetry Anthology by Margaret Newman, Jo Gracey-Walker (Paperback, 2016)
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About this product
- DescriptionEnable students to achieve their best grade in GCSE English Literature with this year-round course companion; designed to instil in-depth textual understanding as students read, analyse and revise the AQA Poetry Anthology: Power and Conflict throughout the course. This Study and Revise guide: - Increases students' kwledge of the AQA Poetry Anthology: Power and Conflict as they progress through the detailed commentary and contextual information written by experienced teachers and examiners - Develops understanding of plot, characterisation, themes and language, equipping students with a rich bank of textual examples to enhance their exam responses - Builds critical and analytical skills through challenging, thought-provoking questions that encourage students to form their own personal responses to the text - Helps students maximise their exam potential using clear explanations of the Assessment Objectives, antated sample student answers and tips for reaching the next grade - Improves students' extended writing techniques through targeted advice on planning and structuring a successful essay - Provides opportunities for students to review their learning and identify their revision needs with kwledge-based questions at the end of each chapter
Key Features
- Author(s)Jo Gracey-Walker,Margaret Newman
- PublisherHodder Education
- Date of Publication27/05/2016
- LanguageEnglish
- FormatPaperback
- SubjectSchool Textbooks & Study Guides: Literature, Arts & Humanities
- Series TitleEurostars
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- Place of PublicationLondon
- Country of PublicationUnited Kingdom
- ImprintHodder Education
- Weight268 g
- Width189 mm
- Height246 mm
- Spine6 mm
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Bruster's Ice Cream — Lovett Road
Statesboro, GA Hours and Location
Category: Ice Cream Parlors
Ice Cream Parlors
Hours street map for all businesses nearby.
Bruster's Ice Cream Hours
Other Bruster's Ice Cream Locations
Hours for other Statesboro stores...
995 Lovett Road
Statesboro, GA 30458Driving Directions
What's New
It's Pumpkin Time!
The taste of Fall is at Bruster's and our spicy, sweet pumpkin flavors are back! We start with real pumpkin puree and rich spices to create our classic Pumpkin ice cream. Be sure to try all of our pumpkin flavors - Pumpkin Cheesecake, Pumpkin Pie Ripple & Pumpkin Patch, just to name a few! They're so good, you'll want to take a pint, quart or half-gallon to-go! Our Apple Dumplings are available for a limited time! Indulge in this warm treat, topped with sweet Cinnamon ice cream covered with cinnamon sauce. Fall has never tasted so good!
Other Bruster's Ice Cream Locations
Hours for other Statesboro stores...
As of: 1:23 am (EST) Sun Dec 4, 2016. [Change]


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Remove the table in the mark making area and watch the boys flock to the area! EYFS
Anna Woolridge
Mark making on mirrors. EYFS
Superhero writing area
Great idea to incorporate drawing into the block/construction area. For those children who need encouragement and more opportunities to draw.
drilled holes male good pencil holders #abcdoes #markmaking #eyfs
Mark making tool belts are great for encouraging writing on the go!
Who would have thought wine carriers could be transformed into "Bob the Builder" toolkits?
Portable mark making kits. Inspiration from @tishylishy and bags are gardening bags from @earlyexcellence. EYFS
covered tins for mark making resources - get engagement by dressing for interest.
Cover a table in cling film to encourage mark making / writing. EYFS


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track list
Album From a Distance
Label Camden
Released July 03, 1998
This site contains content from artists, fans, and writers from around the internet in it's natural form. Such content is not representative of Viacom Media Networks.
©2016 Viacom International Inc. All Rights Reserved. MTV and all related titles and logos are trademarks of Viacom International Inc.


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1871 · Havana
by [Cuba]
Havana, 1871. [2]pp. plus integral blank leaf. 8 1/2 x 12 1/2 inches. Binding holes in margin, offsetting. Very good. A manuscript receipt outlining the sale of several slaves between Brooks and Company and Marcelina Barthe. The document records the name, approximate age, and price of each slave, including a young woman and her daughter, Clara, age four. Most of the slaves are referred to as "mulata" or "criolla" indicating that they are of mixed blood. The contract ends with an agreement that the sellers are no longer liable for the slaves, indicating that any future issues or illnesses are now the responsibility of the new owner. It is signed by both parties, and bears what appears to be the official stamp of the Cuban notary public. (Inventory #: WRCAM51108)


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- Birchbox — 20% off 6 and 12-month gift subscriptions with code GIFT4ALL, ends 12/11.
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Dior Addict fashion lipstick goes to the Extrême, with radiant colours, a perfect hold wet-look texture, and audacious, sophisticated Dior styles. At the heart of this new soft, sensual texture lie 4 specialist waxes, acting in a targeted manner to correctly combine these extremes in a single formula. This veritable technical feat achieves perfect hold, comfort, and shine in an astonishingly fine film. Dior Addict Extrême is available in 12 shades of pure radiant pigment, from nudes to the boldest shades, exploring all the facets of Dior elegance. A new style means a new dress code: the Dior Addict case plays on transparent, vibrant black - black as in perfection, mystery and timelessness.
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The Good: Easy To Apply (3), Smooth (3), Creamy (2), Moisturizing (1), Blendable (1)
The In-Between: Sheer (3), Non-sticky (2)


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Lost Coast Flowers - Northern California
More Lost Coast views - Northern California
Was waiting on the fog to break and hopefully create some atmosphere, luckily it did! It sure didn't look like it was going to break, it was cold and grey a few minutes earlier. This was taken the first night of our 25 mile backpacking trip that had an equivalent elevation gain and loss as hiking to the bottom of the Grand Canyon and hiking back up to the rim. We saw the most people this evening but towards the end of the trip the amount of people became lower and lower. The last day we didn't see a soul for miles and miles, guess that's part of the reason why they call it the "Lost Coast".
I'm guessing this is wild buckwheat so if you know please chime in. Thanks for viewing.
By the way I created a new photography group here on Flickr
Check it out and post some photos!!
©This photograph is copyrighted and is not permitted for free use.
• You never see the same thing twice! Except Halley's comet if you're lucky.
• Always keep a master file before adding blur, glow, orton, type of techniques.
• Don't let your viewfinder or lcd limit how you see! We don't walk around in 2x3 vision.


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The 3rd edition of the Bangalore Literature Festival brings the world, yet again to 'Namma Bengaluru'. BLF celebrates the creative spirit of Bangalore and commemorates the literary diversity it offers, bringing it in conversation with the best minds in the world of literature within and outside India.
This year the festival is dedicated to Jnanpith awardee Professor U.R. Ananthamurthy with a tribute planned by several writers.
A contingent of 10 writers from the North-east will not just share their literature, but also the socio-political and cultural issues, that will mirror their little known life.
Well-known names such as Girish Karnad, Arun Shourie, Gulzar,Leila Seth, Shobhaa De, Nayantara Sahgal, Chetan Bhagat, Natwar Singh etc would be coming while nearly 25 writers from across the globe make up the international participation. Music concerts by Bombay Jayashri and Shubha Mudgal further embellish the festive feel.
This year the festival will host for the first time, 'Lit-Mart' where aspiring authors will be allowed to make three-minute pitches of their manuscripts to literary agents, commissioning editors and publishers.
This year's BLF will have a Hyde Park style Speakers' Corner, stand-up comedy, book-nooks, BLF's bookshop (by Oxford Bookstore), author signing sessions, about six book launches and an interactive literary installation at the venue. Music lovers will be treated to concerts by carnatic vocalist Bombay Jayashri and Hindustani vicalist Shubha Mudgal. And since books are incomplete without good food, there will be enough food stalls serving street food, local and international cuisine.
There's something for everyone at the BLF this year! See you on 26th September.
Note: Schedule will be announced in a few days.