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United States District Court, C.D. California
December 4, 2013
SUSAN PATTERSON, Plaintiff,v.RELIANCE STANDARD LIFE INSURANCE COMPANY; REDLANDS COMMUNITY HOSPITAL VOLUNTARY GROUP LIFE INSURANCE PLAN, Defendants
Page 1141
For Susan Patterson, Plaintiff: Alan E Kassan, Kantor and Kantor, Northridge, CA; Glenn R Kantor, Rhonda Harris Buckner, Kantor and Kantor LLP, Northridge, CA.
For Reliance Standard Life Insurance Company, Defendant: Linda Marie Lawson, LEAD ATTORNEY, James J Moak, Allison Anne Vana, Meserve Mumper and Hughes LLP, Los Angeles, CA.
For Redlands Community Hospital Voluntary Group Life Insurance Plan, Defendant: Martin J Smith, LEAD ATTORNEY, Charles F Barker, Sheppard Mullin Richter & Hampton, Los Angeles, CA; Won Bin Kim, Sheppard Mullin Richter & Hampton LLP, Los Angeles, CA.
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Jesus G. Bernal, United States District Judge.
Before the Court is Plaintiff's Motion for Summary Adjudication to Establish Defendant Reliance Standard Life Insurance Company's Liability to Pay Benefits. (Doc. No. 19.) After considering the papers timely filed and the arguments presented at the November 18, 2013 hearing, the Court GRANTS Plaintiff's Motion for Summary Adjudication.
A. Procedural Background
Plaintiff Susan Patterson filed her Complaint on February 1, 2013 naming Reliance Standard Life Insurance Company (" Reliance Standard" ) and Redlands Community Hospital Voluntary Group Life Insurance Plan as Defendants. (Doc. No. 1.) On September 30, 2013, the Court approved the parties' stipulation to file the First Amended Complaint (" FAC" ). (Doc. Nos. 17, 18.) On October 30, 2013, Reliance Standard and Redlands Hospital filed their respective answers. (Doc. Nos. 30, 31.)
Plaintiff filed her Motion for Summary Adjudication on October 17, 2013. (Doc. No. 19.) In support of her Motion, Plaintiff filed:
o Plaintiff's Statement of Uncontroverted, Material Facts (" Pl. SUF," Doc. No. 19-2);
o Declaration of Glenn R. Kantor (" Kantor Decl.," Doc. No. 20); and
o Declaration of Alan E. Kassan (" Kassan Decl.," Doc. No. 21) attaching Exhibit 1.
On October 28, 2013, Reliance Standard filed its Opposition to Plaintiff's Motion. (Doc. No. 26.) In support of its Opposition, Reliance Standard filed:
o Defendant Reliance Standard's Statement of Genuine Disputes of Material Fact (" Def. SGD," Doc. No. 27);
o Declaration of Peter Sailor (" Sailor Decl.," Doc. No. 28) attaching Exhibits 1-11; and
o Defendant Reliance Standard's Objections to Evidence (" Def. Obj.," Doc. No. 29).
On November 4, 2013, Plaintiff filed her Reply. (Doc. No. 32.)
B. First Amended Complaint
In her FAC, Plaintiff alleges that her sister, Cara Dietrich, was employed by Redlands Community Hospital ("
Page 1143
Redlands Hospital" ). (FAC, ¶ 6.) As a benefit of her employment, Ms. Dietrich was afforded the opportunity to purchase Voluntary Group Life Insurance. (Id.) In 2006, Ms. Dietrich applied for Voluntary Group Life Insurance in the amount of $260,000. (FAC, ¶ 7.) Reliance Standard is the insurer of the benefits under the Life Insurance Plan. (FAC, ¶ 3.) From October 2006 through her death in March 2010, the correct amount of premium payments for her voluntary life insurance coverage were deducted from her paycheck. (FAC, ¶ 7.)
Ms. Dietrich passed away in March 2010. (FAC, ¶ 8.) Subsequently, Plaintiff submitted a claim for benefits which was denied on February 9, 2011. (Id.) Reliance Standard denied Plaintiff's claim because at the time of the application, Reliance Standard had not received proof of Ms. Dietrich's good health. (Id.) Plaintiff timely appealed the denial of benefits. (FAC, ¶ 9.) On July 22, 2011, Reliance Standard denied the appeal. (Id.)
Plaintiff's action arises under the Employee Retirement Income Security Act of 1974 (" ERISA" ), 29 U.S.C. § 1132. Plaintiff requests relief in the form of payment of life insurance proceeds in the amount of $260,000, disgorgement of profits from Defendant's use of life insurance proceeds rightfully belonging to Plaintiff, attorney's fees and costs, and payment of prejudgment and post-judgment interests allowed under ERISA. (See FAC.)
Federal Rule of Civil Procedure 56 empowers the Court to enter summary judgment on factually unsupported claims or defenses, and thereby " secure the just, speedy and inexpensive determination of every action." Celotex Corp. v. Catrett, 477 U.S. 317, 325, 106 S.Ct. 2548, 91 L.Ed.2d 265 (1986). Summary judgment is appropriate 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). A fact is material when it affects the outcome of the case. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248, 106 S.Ct. 2505, 91 L.Ed.2d 202 (1986); Freeman v. Arpaio, 125 F.3d 732, 735 (9th Cir. 1997).
The party moving for summary judgment bears the initial burden of establishing an absence of a genuine issue of material fact.
Celotex, 477 U.S. at 323. This burden may be satisfied by either (1) presenting evidence to negate an essential element of the non-moving party's case; or (2) showing that the non-moving party has failed to sufficiently establish an essential element to the non-moving party's case. Id. at 322-23. Where the party moving for summary judgment does not bear the burden of proof at trial, it may show that no genuine issue of material fact exists by demonstrating that " there is an absence of evidence to support the non-moving party's case." Id. at 325. The moving party is not required to produce evidence showing the absence of a genuine issue of material fact, nor is it required to offer evidence negating the non-moving party's claim. Lujan v. National Wildlife Fed'n, 497 U.S. 871, 885, 110 S.Ct. 3177, 111 L.Ed.2d 695 (1990); United Steelworkers v. Phelps Dodge Corp., 865 F.2d 1539, 1542 (9th Cir. 1989).
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However, where the moving party bears the burden of proof at trial, the moving party must present compelling evidence in order to obtain summary judgment in its favor. United States v. One Residential Property at 8110 E. Mohave, 229 F.Supp.2d 1046, 1047 (S.D. Cal. 2002) (citing Torres Vargas v. Santiago Cummings, 149 F.3d 29, 35 (1st Cir. 1998) (" The party who has the burden of proof on a dispositive issue cannot attain summary judgment unless the evidence that he provides on that issue is conclusive." )). Failure to meet this burden results in denial of the motion and the Court need not consider the non-moving party's evidence. One Residential Property at 8110 E.
Mohave, 229 F.Supp.2d at 1048.
Once the moving party meets the requirements of Rule 56, the burden shifts to the party resisting the motion, who " must set forth specific facts showing that there is a genuine issue for trial."
Anderson, 477 U.S. at 256. The non-moving party does not meet this burden by showing " some metaphysical doubt as to the material facts." Matsushita Elec. Indus. Co., Ltd. v. Zenith Radio Corp., 475 U.S. 574, 586, 106 S.Ct. 1348, 89 L.Ed.2d 538 (1986). The United States Supreme Court has held that " [t]he mere existence of a scintilla of evidence in support of the non-moving party's position is not sufficient."
Anderson, 477 U.S. at 252. Genuine factual issues must exist that " can be resolved only by a finder of fact because they may reasonably be resolved in favor of either party." Id. at 250. When ruling on a summary judgment motion, the Court must examine all the evidence in the light most favorable to the non-moving party.
Celotex, 477 U.S. at 325. The Court cannot engage in credibility determinations, weighing of evidence, or drawing of legitimate inferences from the facts; these functions are for the jury.
Anderson, 477 U.S. at 255. Without specific facts to support the conclusion, a bald assertion of the " ultimate fact" is insufficient.
See Schneider v. TRW, Inc., 938 F.2d 986, 990-91 (9th Cir. 1991).
A. Evidentiary Objections
The majority of Reliance Standard's objections to Plaintiff's evidence are on the grounds that they are irrelevant, speculative, or constitute an improper legal conclusion. (See Def. Obj.) " Objections to evidence on the ground that it is irrelevant, speculative, and/or argumentative, or that it constitutes an improper legal conclusion are all duplicative of the summary judgment standard itself" and are thus " redundant" and unnecessary to consider here. Burch v. Regents of Univ. of California, 433 F.Supp.2d 1110, 1119 (E.D. Cal. 2006);
see Anderson, 477 U.S. at 248 (" Factual disputes that are irrelevant or unnecessary will not be counted." ). Thus, the Court does not rule on any of the parties' relevance objections or objections as to improper legal conclusions.
Reliance Standard also objects to some of Plaintiff's facts on the ground that they mischaracterize the evidence. Plaintiff alleges that Ms. Dietrich " exercised her right under the Policy to receive . . . Supplemental Life insurance benefits in the amount of $260,000." (Pl. SUF, ¶ 4.) Plaintiff cites to the Group Benefit Enrollment Form that Ms. Dietrich completed for basic and supplemental life insurance coverage in support of that assertion. (Exh. 1 to Kassan Decl., RS0103, RS0147.)[2] Therefore, the evidence submitted
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demonstrates that Ms. Dietrich completed the application for Supplemental Life insurance coverage. The dispute is whether merely completing the Group Benefit Enrollment Form is sufficient to demonstrate that Ms. Dietrich exercised her right to receive the supplemental life insurance coverage.
Reliance Standard also objects to the evidence cited in support of Plaintiff's assertion that Ms. Dietrich met all premium obligations from October 2006 to her death in March 2010. (Pl. SUF, ¶ 22.) Reliance Standard objects that Plaintiff mischaracterizes the evidence cited in support of that fact. (Def. Obj., ¶ 22.) The evidence Plaintiff cites in support of her assertion is Reliance Standard's letter to Plaintiff upholding its decision to deny her claim for supplemental life insurance benefits, in which Reliance Standard lists representations Plaintiff made in her appeal request, including her statement that Ms. Dietrich made the premium payments every pay period from October 2006 to her death in March 2010. (Exh. 1 to Kassan Decl., RS0144-0149.)
" When evidence is not presented in an admissible form in the context of a motion for summary judgment, but it may be presented in an admissible form at trial, a court may still consider that evidence." Burch v. Regents of Univ. of Cal., 433 F.Supp.2d 1110, 1120 (E.D. Cal. 2006) (citing Fraser v. Goodale, 342 F.3d 1032, 1037 (9th Cir. 2003)) (emphasis in original). Here, the Court finds that evidence of Ms. Dietrich's payment of premiums can be introduced in an admissible form at trial. Plaintiff claims that the premium payments were taken from Ms. Dietrich's paychecks every pay period since her October 2006 initial enrollment application through the date of her death in March 2010. (Exh. 1 to kassan Decl., RS0146.) Therefore, Ms. Dietrich's payroll record can be presented at trial to demonstrate that she made the premium payments on the supplemental insurance benefits plan. In addition, Reliance Standard does not provide any evidence to demonstrate that Ms. Dietrich did not make premium payments for the supplemental insurance benefits coverage. Therefore, the court overrules Reliance Standard's objection as to Plaintiff's evidence of Ms. Dietrich payment of premiums.
Reliance Standard objects to evidence Plaintiff cites in support of her assertion that " [t]here is no evidence in any of the records produced by Reliance Standard to suggest that Ms. Dietrich was ever asked to provide evidence of insurability at the time of her application, or any time thereafter." (Pl. SUF, ¶ 8.) Reliance Standard also objects to Plaintiff's assertion that she explained to Reliance Standard " that her sister was in excellent health at the time she enrolled for the supplemental insurance . . ." (Pl. SUF, ¶ 16.) Since the Court does not rely on these facts to reach its decision, the Court does not rule on Reliance Standard's objection as to the evidence cited in support of these facts.
Finally, Reliance Standard objects to statements in the Declaration of Alan E. Kassan and the Declaration of Glenn R. Kantor on the basis that these statements constitute hearsay. (Def. Obj. at 10-12.) Since the Court does not rely on these statements in reaching its decision, the Court does not rule on Reliance Standard's hearsay objections.
B. Uncontroverted Facts
Both sides cite facts that are not relevant to resolution of the Motion. To the extent certain facts are not mentioned in
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this Order, the Court has not relied on them in reaching its decision. The Court finds the following material facts are supported adequately by admissible evidence and are uncontroverted. They are " admitted to exist without controversy" for the purposes of this Motion. L.R. 56-3; see generally Fed.R.Civ.P. 56.
1. The Insurance Policy
In 2003, Reliance Standard issued group policy number GL 134915 (the " Plan" or " Policy" ) to Redlands Hospital. (Exh. 1 to Sailor Decl., RS0001.) Redland Hospital's Group Benefit Enrollment Form specifies that it provides basic life insurance to all eligible employees. (Exh. 4 to Sailor Decl., RS0103.) In addition, supplemental life insurance is available to " all eligible employees on a voluntary basis, through after tax payroll deductions." (Id.) The Policy specifies a waiting period of 90 days of continuous employment for employees in the eligible class. (Exh. 1 to Kassan Decl., RS0009.)
The Plan provides:
If an eligible person pays a part of the premium, he/she must apply in writing for the insurance to go into effect. He/she will become insured on the date stated on the Schedule of Benefits, except that the insurance will go into effect: (1) on the date he/she applies, if he/she applies within thirty-one (31) days of the date he/she is first eligible; or (2) on the date we approve any required proof of good health. We require proof of good health if a person applies: (a) after thirty-one (31) days from the date he/she first becomes eligible . . . (Exh. 1 to Sailor Decl., RS0015.) The policy states that it is " delivered in California and is governed by its laws."
(Exh. 1 to Kassan Decl., RS0001.)
The Plan contains an incontestability clause which states, in part:
Any statement made in your application will be deemed a representation, not a warranty. We cannot contest this Policy after it has been in force for two (2) years from the date of issue, except for non-payment of premium.
(Id. at RS0013.)
2. Ms. Dietrich's Employment
Ms. Dietrich commenced her employment with Redlands Hospital on June 12, 2006. (Exh. 1 to Kassan Decl., RS0147.) Through her employment, Ms. Dietrich was eligible to apply for life insurance coverage under the Policy. (Exh. 1 to Kassan Decl., RS0147; Sailor Decl., ¶ 6.) On October 30, 2006, Ms. Dietrich completed the Group Benefit Enrollment Form for basic and supplemental life insurance coverage. (Exh. 1 to Kassan Decl., RS0103, RS0104.) Ms. Dietrich completed the application for Supplemental Life insurance coverage in the amount of $260,000. (Id. at RS0103, RS0104, RS0147.) The Group Benefit Enrollment Form identified Plaintiff as the beneficiary of the Plan.[3] (Id.) Ms. Dietrich did not submit any evidence of insurability or proof of good health with the Group Benefit Enrollment Form in support of the application for supplemental life insurance coverage. (Id. at RS0139.) Even though the Plan specified that proof of good heath is required if a person applies after the 31 days from the date he/she first becomes eligible, neither Defendant explicitly requested that Ms. Dietrich provide evidence of insurability. (See Exh. 1 to Kassan Decl.)
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3. Insurance Claim
Ms. Dietrich died on March 28, 2010 from issues and complications related to Acute Lymphoblastic Leukemia. (Exh. 1 to Kassan Decl., RS0105.) On October 27, 2010, Reliance Standard requested information from Redlands Hospital about Ms. Dietrich. (Sailor Decl., ¶ 12; Exh. 3 to Sailor Decl., RS0159-0160.) On December 9, 2010, Redlands Hospital provided a copy of Ms. Dietrich's Group Benefit Enrollment Form to reliance Standard. (Sailor Decl., ¶ 13; Exh. 4 to Sailor Decl., RS0093, RS0103.)
On December 16, 2010, Reliance Standard emailed Redlands Hospital noting that Ms. Dietrich became eligible to apply for coverage under the Plan on September 10, 2006. (Exh. 3 to Sailor Decl., RS0153.) Reliance Standard advised Redlands Hospital that there was no documentation showing that Ms. Dietrich provided written proof of good health to obtain supplemental coverage. (Id. at RS0154.) Reliance Standard asked Redlands Hospital to provide any information it might have to support supplemental life insurance coverage, explaining that otherwise only basic life insurance coverage was in force. (Id. at RS0155.)
Following Ms. Dietrich's death, Plaintiff, as the beneficiary of the life insurance benefits, filed a claim for both basic life insurance benefits and supplemental life insurance benefits. (Exh. 1 to Kassan Decl., RS0056, RS0057.) Upon receipt of proof of claim, Reliance Standard paid Plaintiff $97,810.39, representing the $95,000 basic life insurance benefit plus interest. (Exh. 9 to Sailor Decl., RS0045.) On February 9, 2011, Reliance Standard denied the $260,000 supplemental benefit stating that " Ms. Dietrich did not satisfy the policy requirements in order to obtain the supplemental life insurance coverage" because she failed to submit proof of her good health. (Exh. 1 to Kassan Decl., RS0164-0167.) Reliance Standard asked Redlands Hospital to confirm the premiums it paid on Ms. Dietrich's behalf for supplemental coverage, stating that it would issue a refund of that amount. (Exh. 7 to Sailor Decl., RS0166.) Reliance Standard also asked that Redlands Hospital refund to Plaintiff any premium Ms. Dietrich paid via payroll deduction for such coverage. (Id.)
On May 18, 2011, Plaintiff appealed Reliance Standard's denial of her claim for supplemental life insurance benefits. (Exh. 1 to Kassan Decl., RS0173-0175.) On July 22, 2011, Reliance Standard upheld its denial of Plaintiff's claim based on the finding that since Ms. Dietrich failed to submit proof of good health, her coverage never went into effect. (Id. at RS0144-0149.)
C. Standard of Review
" [A] denial of benefits challenged under § 1132(a)(1)(B) is to be reviewed under a de novo standard unless the benefit plan gives the administrator or fiduciary discretionary authority to determine eligibility for benefits or to construe the terms of the plan." Firestone Tire and Rubber Co. v. Bruch, 489 U.S. 101, 115, 109 S.Ct. 948, 103 L.Ed.2d 80 (1989). " If the plan gives the administrator or fiduciary discretionary authority, [the court] review[s] the denial of benefits for abuse of discretion." Burrey v. P. Gas and Elec. Co., 159 F.3d 388, 391 (9th Cir. 1998) (internal citation omitted). " [F]or a plan to alter the standard of review from the default of de novo to the more lenient abuse of discretion, the plan must unambiguously provide discretion to the administrator." Abatie v. Alta Health & Life Ins. Co., 458 F.3d 955, 963 (9th Cir. 2006) (en banc) (internal citation omitted).
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Here, the parties do not dispute that the Plan confers discretion on Reliance Standard. The Plan provides:
[Reliance Standard] shall serve as the claims review fiduciary with respect to the insurance policy and the Plan. The claims review fiduciary has the discretionary authority to interpret the Plan and the insurance policy and to determine eligibility for benefits. Decisions by the claims review fiduciary shall be complete, final and binding on all parties.
(Exh. 1 to Sailor Decl., RS0023.) The grant of discretionary authority would, normally, require an abuse of discretion review.
However, the issue before the Court on this Motion for Summary Judgment is whether the incontestability clause bars Reliance Standard from denying payment of life insurance benefits. Since this is a question of law, the Court applies a de novo review and the summary judgment standard applies.
See Burrey, 159 F.3d at 392 (applying de novo review where there is a question of law); Tremain v. Bell Industries, Inc., 196 F.3d 970, 977-78 (9th Cir. 1999) (where the plaintiff sued under ERISA and the court determined that there was a conflict of interests warranting a de novo review and decided the case by summary judgment).
D. Incontestability Provision
The gravamen of Plaintiff's Motion is that the incontestability clause in the Plan precludes Reliance Standard from denying payment of the supplemental life insurance benefits. Reliance Standard responds that the incontestability clause does not bar the denial of supplemental benefits since the supplemental life insurance coverage never went into effect.
" A condition precedent refers to an act, condition or event that must occur before the insurance contract becomes effective or binding on the parties." American Way Cellular, Inc. v. Travelers Property Casualty Co. of Am., 216 Cal.App.4th 1040, 1054, 157 Cal.Rptr.3d 385 (2013) (internal citations and quotations omitted). " In general, conditions neither confer nor exclude coverage for a particular risk but, rather, impose certain duties on the insured in order to obtain the coverage provided by the policy." Id. (internal citations and quotations omitted). " Good health provisions are enforceable conditions precedent." Willard v. Valley Forge Life Ins. Co., 218 F.Supp.2d 1197, 1201 (C.D. Cal. 2002) (finding that a good health provision in a life insurance policy, which required a prospective insured's health condition remain the same between application and policy delivery dates, to be an enforceable condition precedent to coverage under California law).
Based on the language of the Plan, the required proof of good health qualifies as a condition precedent. The Plan provides that supplemental life insurance will go into effect on the date an individual applies, if within 31 days of becoming eligible. (Exh. 1 to Sailor Decl., RS0015.) The Plan contains a 90-day waiting period of continuous employment for employees in the eligible class. (Exh. 1 to Kassan Decl., RS0009.) The Plan explicitly states that the individual effective date is the date immediately following completion of the waiting period. (Id.) If an individual applies after the expiration of the 31 days, the Policy will go into effect on the date Reliance Standard approves any required proof of good health. (Exh. 1 to Sailor Decl., RS0015.)
Here, Ms. Dietrich commenced her employment with Redlands Hospital on June 12, 2006. (Exh. 1 to Kassan Decl., RS0147.) The Plan's 90-day waiting period
Page 1149
ended on September 10, 2006. (See Exh. 1 to Sailor Decl., RS0009.) Ms. Dietrich applied for supplemental life insurance coverage on October 30, 2006, more than 31 days after September 10, 2006. (Exh. 1 to Kassan Decl., RS0103, RS0104.) Therefore, Ms. Dietrich was required to submit proof of good health. (Exh. 1 to Sailor Decl., RS0015.) Pursuant to the plain language of the Plan, the Policy would only go into effect on the date Reliance Standard approves the required proof of good health. (Id.) There is no dispute here that Ms. Dietrich never submitted proof of good health. (Exh. 1 to Kassan Decl., RS0139.) Based on these facts, Ms. Dietrich did not fulfill a condition precedent required by the Plan.
">In Amex Life Assurance Co. v. Super. Ct., 14 Cal.4th 1231, 60 Cal.Rptr.2d 898, 930 P.2d 1264 (1997), the plaintiff brought an action against Amex Life Assurance Company (" Amex" ), the life insurance company that denied his claim. Amex, 14 Cal.4th 1234-35. The plan contained an incontestability clause that barred any contest after the policy has been in force for two years. Id. at 1233. The insured knew that he was HIV positive when he applied for life insurance but lied on his application for insurance and sent an imposter to take the mandatory medical examination. Id. at 1234. Amex collected premiums for more than two years until the insured died. Id. Thereafter, Amex discovered the fraud after the beneficiary filed a claim, and it denied the claim. Id.
Amex argued that it can contest the existence of the contract because the medical examination was a condition precedent to its formation. Id. at 1245. The court held that Amex's defense that the insured was not in good health at the time of the delivery of the policy was " within the scope of the [incontestability] clause which makes the policy incontestable after one year from its date if all due premiums shall have been paid, without by its terms excluding any ground of defense." Id. at 1245-46. The Court noted that " the incontestability clause protects the insured against any defense of a breach of a condition precedent where he has paid premiums beyond the period of contestability." Id. at 1246 (internal citations and quotations omitted).
Here, the Plan contains an incontestability clause which states, in part:
(Exh. 1 to Kassan Decl., RS0013.) Ms. Dietrich completed the Group Benefit Enrollment Form for basic and supplemental life insurance coverage on October 30, 2006. (Id. at RS0103-0104.) Plaintiff claims that Ms. Dietrich made all premium payments from October 2006 to her death in March 2010. (Id. at RS0146-0147.) While Reliance Standard objects to Plaintiff's claim and evidence cited in its support, Reliance Standard does not offer any evidence to show that Ms. Dietrich did not make the premium payments. (Def. SGD, ¶ 22.) On the contrary, Reliance Standard admits that upon denial of Plaintiff's claim for supplemental life insurance benefits, it advised Redlands Hospital to confirm the premiums remitted on Ms. Dietrich's behalf for supplemental coverage so that any applicable refund could be issued. (Id., Exh. 11 to Sailor Decl., RS0147.) Reliance Standard does not deny that it collected
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premiums for more than three years until Ms. Dietrich died. Accordingly, Plaintiff's claim that Ms. Dietrich made all the premium payments between October 2006 and March 2010 is uncontroverted.
Based on the standard set forth in Amex, Reliance Standard's claim that Ms. Dietrich failed to provide proof of good health qualifies as a defense of a breach of a condition precedent that falls within the scope of the incontestability clause. Since the contestability period expired and Ms. Dietrich fulfilled her obligation to pay the required premium payments, the incontestability clause applies in this case and bars Reliance Standard from contesting the Policy. As the court in Amex stated, " [t]o hold otherwise would be to permit such a clause in its unqualified form to remain in a policy as a deceptive inducement to the insured."
Amex, 14 Cal.4th at 1246.
The Court's decision comports with the public policy considerations behind incorporating the incontestability clause in life insurance policies. The purpose of the incontestability clause is to give " the insured a guaranty against possible expensive litigation to defeat his claim after the lapse of many years, and at the same time gives the company time and opportunity for investigation, to ascertain whether the contract should be in force."
Amex, 14 Cal.4th at 1238 (internal citations and quotations omitted). " The need for such protection becomes especially clear for life insurance policies, where the contest is usually made after the named insured has died, robbing the beneficiaries of their most potent witness." Id. (internal quotations omitted).
Here, Reliance Standard had more than three years to investigate whether the Policy should be in force as to Ms. Dietrich. Reliance Standard did not conduct any such investigation and only investigated the eligibility of Ms. Dietrich for supplemental life insurance coverage after her death. (See Exh. 3 to Sailor Decl., RS0153-0155.) Therefore, the need for the protection afforded by the incontestability clause is highest here, where Ms. Dietrich fulfilled her obligation to pay the insurance premiums for more than three years, the beneficiary's most potent witness is deceased, and Reliance Standard had ample opportunity to conduct an investigation.
Reliance Standard argues that the incontestability provision is inapplicable because there is no " contest" within the meaning of the provision. (Opp. at 16-17.) First, Reliance Standard contends that it is not contesting the validity of the underlying Group Plan. Second, Reliance Standard contends that it is not contesting Ms. Dietrich's supplemental coverage within the meaning of the incontestability clause because it did not deny liability by reason of fraud or misrepresentation. However, as the court in Amex held, the incontestability clause applies to a contest based on breach of a condition precedent.
Amex, 14 Cal.4th at 1246. Accordingly, Reliance Standard's argument that its denial of benefits is not a " contest" within the meaning of the incontestability clause fails.
For the reasons set forth above, the Court finds that the incontestability clause precludes Reliance Standard from denying Plaintiff's claim for supplemental life insurance benefits.
For the reasons set forth above, the Court GRANTS Plaintiff's Motion for Summary Adjudication.
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I know. Absolutely gorgeous photography, no?
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I know. Absolutely gorgeous photography, no?
Great Review of a very interesting amp!
I received the Corda JAZZ today, to replace the headphone amplifier in my computer desktop rig (it died, long story...)
Wonderful amp this is, it's like the Concerto's little brother It shares the properties I love most about the Concerto: a dead silence when no music is playing (eat that, tube amps!) and the ability to drive 600 ohm beyers. The crossfeed is also great, I leave it on by default.
I agree with The Slow Down regarding the listening volumes. For me it gets pretty loud quickly in low gain with a Hotaudio DAC-WOW as source. Not a problem because there's still about a margin of 9-12 o'clock for me to set a comfortable listening volume, but I can see how this might pose as an issue for more sensitive headphones.
Very happy with the purchase, it's kind of a big upgrade over my now-deceased previous amp, a Shanling PH100. I will be using this mostly for PC gaming and casual music listening while working, but this amplifier may just as well be used in a "serious listening" rig.
Needless to say, the transaction with Meier Audio went smooth as usual, took only 3 days between ordering and getting the package
Great to read some opinions on this amp from other users - especially when they share the same positive experience with it too
I still have no comparison to any other amps but telling from the other opinions it seems the JAZZ is great buy for its money.
Love the pictures, too. (I tend to read anything Meier-related, after having such a good experience with Jan with the StageDAC + Concerto ... but the pictures here were icing on the cake.)
Has anyone tried the Corda Jazz with a HD800 or K701? I'm trying to decide between the Jazz, Lehmann Black Cube Linear and Burson HA160.
On paper the Jazz looks very promising with the active balanced ground, stepped attentuator and good placement of signal paths. At the moment, I'm running a Corda HeadFive with a AKG K701. I find this combo is a bit lacking in power. Will the Jazz be a good step up from the HeadFive or should I go straight for the BCL or HA160?
Has anyone tried the Corda Jazz with a HD800 or K701? I'm trying to decide between the Jazz, Lehmann Black Cube Linear and Burson HA160.
On paper the Jazz looks very promising with the active balanced ground, stepped attentuator and good placement of signal paths. At the moment, I'm running a Corda HeadFive with a AKG K701. I find this combo is a bit lacking in power. Will the Jazz be a good step up from the HeadFive or should I go straight for the BCL or HA160?
I am absolutely sure that the Jazz will be in a whole other leagure and much better that your headfive. It will sound great with your K701 and HD800. I have the Concerto and it certainly does not lack anything in power. I also have the impression that Meier's amplifiers offer a great value and sound quality for the money option compared to many other amplifiers in the market.
+1. I also own the Concerto (and Jan's earlier Opera). It's a great performer with the Beyer T1 and also the LCD2. I have not heard the HD800 (and I've only heard the K701 with my Opera) but knowing that Jan seems to recommend the 800 and T1, it seems likely he designs with these sorts of headphone in mind. Maybe Jan will comment on this.
A little OT but concerning the LCD2 I have circled around the proposition often put that the LCD2 needs 2W at its 50-60 ohm impedance. In this area the Concerto - depending on source - is more like 1W I believe. Despite considerable comparison with more powerful amps (Violectric V100, Schiit Lyr and more recently Decware Taboo) I have been unable to detect any area in which the Concerto lacks for power, dynamics, detail, transparency or refinement.
FWIW (Jan will say it means little I am sure!) the Jazz is capable of even more max voltage than the Concerto.
I completely agree with Rasmushorn that Jan Meier's amps are great value for money. I think they are sonically superb. In fact, I think Jan is a highly innovative and original designer and something of a wizard, if we would like to think of hi fi as the occult arts
Has anyone tried the Corda Jazz with a HD800 or K701? I'm trying to decide between the Jazz, Lehmann Black Cube Linear and Burson HA160.
On paper the Jazz looks very promising with the active balanced ground, stepped attentuator and good placement of signal paths. At the moment, I'm running a Corda HeadFive with a AKG K701. I find this combo is a bit lacking in power. Will the Jazz be a good step up from the HeadFive or should I go straight for the BCL or HA160?
On paper the JAZZ looks quite promising indeed, and I can tell you that in reality it sounds fantastic I don't know much about the other two amps you mentioned, but I'm enjoying the Jazz with my beyerdynamic T1 right now so if you're looking for an upgrade to your HeadFive for an AKG K701 or HD800, you can't go wrong. It's up to you!
Haha, but sadly for a lot of people hi-fi is indeed a hobby in which blind faith and magic wizardry often rule over hard science
Thanks for the comments guys. How big is the gap in performance between the Jazz and the Concerto / Opera? Since the Jazz is a generation newer, does it catch up to the levels set by the former Concerto / Opera flagships? Unfortunately, the Corda Classic is a little too big for my setting, hence looking at something the size of a Corda Jazz / Lehmann BCL.
Hi-Fi is certainly not a scientific measurement - otherwise tube amps wouldn't be so popular. Seems most people actually like the warmth of a distorted signal. ;)
@db597 can't answer concerning Jazz vs the others, not having heard it. The Classic is what tempts me. Historically, Jan's designs have been meaningful improvements from generation to generation: see Skylab's comparison of 4 or 5 units - including the Opera - several years ago. The Jazz has most of the features of the Concerto FWIW. The Opera is quite an old design with quite a different sound signature to the Concerto (less detailed, slightly warmer mids).
@RazorJack - obviously the T1 made it to you through the Christmas rush. Glad you're enjoying it
Well, the shipping took a bit longer than anticipated due to a strike at one of the airports in Germany (per Jan), but I'm proud to say that I now have my first legit headamp in house - the Meier Corda Jazz. I did a ton of research on what direction I wanted to go, and when I came across this one I knew it was perfect for my needs. I loved the look, had a solid comfort level with Jan Meier not only as a result of email correspondence but also due to the archive search I did here at head-fi. I knew I would have lower impedance Grados in addition to some higher impedance Beyerdynamics, so I wanted an amp that could do justice to both.
Out of the box, I was impressed immediately by the solid build quality and small footprint. I love how it's just here to do it's job....nothing foofoo or fancy, just the the audio signal it's given and make it sound great. So far, that's exactly what it's doing. Grados are very easy to drive, but I had heard that once you get to the 325 model and higher, they do benefit from having a little more current available. to them. I did notice a little extra "thwack" with regard to the percussion, and I liked the presentation overall. It just seemed like there was a bit more authority to what I was hearing. As for the Beyers, I've had a pair of DT880s sitting here for the past few weeks without any way to properly drive them. Hooked up to either my Fiio E11 or laptop, they were able to make noise that was listenable, but it was pretty clear today why a 600 ohm headphone needs some juice. The 880s only have a few hours on them so far, but I love how dynamic they are sounding, and it's great seeing how much headroom the Jazz offers. The volume is not even half way up and I'm getting plenty of volume. I won't do any critical listening for a day or two, but right now I'm very happy with the three main components of my headamp system: The Jazz, Grado 325s, and BeyerD 880s. I'm sure down the road I'll end up with some higher end phones, but for right now I have everything I need to enjoy all of my music and movies.
This is my first headamp, but for under four bills shipped, I can't imagine doing much better than this beautiful piece of gear. Kudos to Jan Meier!
I would place the Meier amplifiers at the very top of the list when it comes to Performance / Price ratio. Congratulations with the Jazz. Remember "life ain't nothing but JAZZ..." as they say.
I love it when I spend so much time researching products and then when I pull the trigger it ends up being exactly what I hoped. It's even better when, as in the case of this really great little amp, expectations are exceeded. I've had great luck in this hobby over the past few months that I've been involved with it. Jan was truly a gentleman and provided fantastic customer service before, during, and after the sale. I had been reading a lot about damping factor and how amps with higher output impedances tend to not mate well with lower impedance headphones. So when Jan told me that the Jazz's output impedance was less than 1ohm, AND it could drive the 600 ohm Beyers without any trouble, I was sold. I was really close to taking advantage of the package deal he offers with the Beyer T1, but wasn't quite at that point yet. He said he does offer the package deal with his DAC, though, so I may give some serious thought to a StageDAC/T1 package in a few months. I'm very proud to own this amplifier and can't wait to send some more money to Germany in the future :)
Well, I put over 30 hrs on this amp over the weekend, and I am more than thrilled with the results so far. Saturday night I had a splitter cable that I hadn't ever used, so I hooked up to pair of Grados to the Jazz when a lady friend and I watched Paranormal Activity 3. This was one of the most fun movie watching experiences I've ever had, and this was the PERFECT film to show off both the Jazz and the Grados. You were able to hear *every* single detail from the soundtrack of this film, and it made for a more "jumpy" experience than it would have been otherwise. I remember one scene where all the character was doing was brushing her teeth in the bathroom off to left of the main image, and you could hear everything from the turning on/off of the faucet, to her swishing the water around in her mouth, and even dropping the towel on the counter aftewards. I have Magnepans for my HT system at home, so I'm used to tons of microdetail (which I love), so to have this level of detail from some $99 pair of headphones (Grado SR80i) was just staggering to me. Also been breaking in my Beyer DT880s with music and movies/tv, and those have sounded fantastic, as well. Jan Meier is a genius :)

subset: commoncrawl


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Prime Ventures invests in ZappiStore
October 2016
A strategic capital raise for a highly disruptive, fully automated market research platform
a leading venture capital and growth equity firm focused on investing in European companies in the technology and related industries. We leverage our capital, experience and network to actively guide them into global category leaders.
Takeaway.com is the leading food delivery portal on the European continentRead more
Dealerdirect is an online market place for second-hand cars and motorbikesRead more
Mendix is the app platform-as-a-service provider for the enterpriseRead more
Digital Origin is changing the credit sector by originating loans WHEN, WHERE and HOW consumers want themRead more
AppLift is a comprehensive mobile app marketing platform that empowers mobile app advertisers to acquire and re-engage quality users at scaleRead more
IPDiA produces silicon capacitors creating Integrated Passive DevicesRead more
October 2016
A strategic capital raise for a highly disruptive, fully automated market research platform
October 2016
Acquisition will enhance Murata's position as a world's leading provider of high reliability capacitors
October 2016
iwoca, one of Europe's fastest growing SME lenders, has closed a £21m Series C equity financing round led by Prime Ventures, the specialist growth capital firm dedicated to investing in technology. This new round brings iwoca's total equity funding to £38m.


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Twitter has re-designed its services, allowing companies to have a greater presence on the mini-blogging website. Twitter has begun to follow in the footsteps of similar websites, such as Facebook and Google Plus, in allowing companies to have their own branded feed on the network, constantly updating content and engaging with potential customers. This new change in the system comes as Twitter creators realise the site needs commercial success in order to retain its current high profile as a social platform.
The re-design will allow companies to incorporate more customisation to their Twitter pages and even add videos and photos into their Twitter headers. The new tool will aid Twitter's development as a visible marketing platform, as well as being an individual social networking base. As an updated feature of the site's already successful 'hash tag' system, the new service will be able to highlight content from all commercial Twitter pages, based on an individual's interests and location. This will allow marketers to grab the attention of their potential customers and engage with them through photos, videos, sounds and other exciting content.
Marketers can control the message visitors see when they first come to the company page, through promoting a particular tweet at the top of the page timeline. This will highlight the content businesses want their customers to see first, e.g. a particular offer or service the company is currently offering. This content can also be changed at any time and can be produced through either old or recent tweets. The branding pages will also be enforced on the Twitter app: – another positive aspect for companies as it's predicted there will be a major increase in the rise of online sales via smart phones.
The new brand pages are already being used by top US companies such as, Coca-Cola, Dell, McDonalds, Nike and Disney, proving the instant popularity of this new service with big brands. By the beginning of next year branding pages will be available to all UK marketers; make sure you're ahead of the game and organise your new Twitter page design. This new Twitter feature is a great way to give your company a positive start to 2012 through drawing in customers before your competitors do!
For more information about Facebook, Twitter or any of your internet marketing strategies, contact KPI Business Services today. We are a leading UK search engine optimisation (SEO) company and can offer a wide range of services in order to gain top search engine rankings and therefore improve your conversion rates.


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You are here
This position is now filled
Chef de Partie
Bullet points
- Chef de Partie, Leisure,
- Birmingham
About Our Client
My client is within the leisure industry and has been a well established platform for entertainment within the midlands for a long time.
Job Description
Job title: Chef de Partie
Salary: £21,181 + benefits
Hours: 44 per week annualised
Department: Catering & Events
Brief job description:
The Chef de Partie will have responsibility for the kitchen operation, ensuring the highest standard of food is achieved and that the customer experience is always of the highest standard. You will manage all aspects of the kitchen operation, stock ordering, menu development and food costings. You will also ensure a safe working environment by ensuing you comply with all health & safety and food hygiene procedures at all times.
The Successful Applicant
Exposure to working within a busy kitchen as a Chef de Partie and undertaking the duties required of such role to a high standard.
What's on Offer
The role is being offered on permanent basis with a salary ranging around £19-22k


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Alicia Keys: Engaged to Swizz Beatz?
Rumors on the Internets suggest that Alicia Keys and Swizz Beatz are secretly engaged. Anyone believe that gossip? Anyone hear of Swizz Beatz before?
Well, he's dating Alicia Keys, and the singer apparently had a lot to smile about on her 29th birthday January 25 when he got her an engagement ring.


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There are three key knowledge areas involved in becoming a successful SAP (Systems, Applications, Products) Project Manager: SAP, ASAP methodology (Accelerated SAP Methodology for Implementation) and experience on SAP projects. This seminar is for project managers who have some project management work experience and want to develop their career opportunities in SAP Project Management. Learn the basics of SAP and ASAP methodology including industry acronyms. Participants will apply a work breakdown structure for different phases of a sample SAP implementation project.
Learning Objectives:
Upon completion of this course, students will be able to:
Required Textbook
Title: No text required.
For information on the UofC Bookstore hours, store locations or how to purchase textbooks please go to: http://www.calgarybookstore.ca
To compare new and used textbook prices, visit: http://calgary.verbacompare.com/comparison?id=104502
Due to the intensive nature of this course, it is recommended that you pre-read or familiarize yourself with course materials prior to the course.
Students are expected to attend all sessions.
Students will be required to complete assignments during the week and may be asked to prepare a final assignment after the course has ended.
The instructor may choose to use Desire2Learn (D2L), an online learning environment, to post the Course Outline and other course materials. If you have questions about using D2L, let your instructor know when you attend the first class. D2L may not be available before the start date of the course.


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PERFECT HOMESTEAD IN LEWIS RANCH, OVERFLOWING WITH PRIVACY AND PERSONALITY! Situated behind a gated entry on a nearly 2-acre sloped lot! The kitchen and all bathrooms in this home have been updated with granite counters and vanity, stainless steel appliances, brushed nickel fixtures, and new tile flooring. This multi-level floor plan features lodge-style family room with a limestone fireplace that is an entertainer's dream! Two front porches offer expansive views. CONTACT AGENT FOR SHOWING INFO!
1st Floor Entry, Entry Steps, Multi-level Floor Plan
Electricity on Property, Natural Gas on Property, Underground
Ceiling-High, French Doors, Indoor Utilities, Lighting Recessed, Walk-In Closet, Window Treatments, Shutters
Built-In Oven(s), Cook Top Gas, Dishwasher, Disposal, Single Oven
Family Room, Wood Stove - Freestanding
Balcony, Gutters Full, Patio-Uncovered, Porch-Open, Private BackYard, Security Lighting, Private Garden
All Sides Masonry, Vinyl Siding
Property Listed by: Ashley Austin Homes
The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information from the Austin Board of REALTORS® (alternatively, from ACTRIS) from December 4th, 2016 at 6:00am CST. Neither the Board nor ACTRIS guarantees or is in any way responsible for its accuracy. The Austin Board of REALTORS®, ACTRIS and their affiliates provide the MLS and all content therein "AS IS" and without any warranty, express or implied. Data maintained by the Board or ACTRIS may not reflect all real estate activity in the market.
All information provided is deemed reliable but is not guaranteed and should be independently verified.


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Landscape Ecology
Landscape Ecology is the flagship journal of a well-established and rapidly developing interdisciplinary science that focuses explicitly on the ecological understanding of spatial heterogeneity. Landscape Ecology draws together expertise from both biophysical and socioeconomic sciences to explore basic and applied research questions concerning the ecology, conservation, management, design/planning, and sustainability of landscapes as coupled human-environment systems. Landscape ecology studies are characterized by spatially explicit methods in which spatial attributes and arrangements of landscape elements are directly analyzed and related to ecological processes.
All manuscripts must show a keen awareness of the current literature and an immediate relevance to at least one of the following key topics: (1) Flows and redistributions of organisms, materials, and energy in landscape mosaics; (2) Landscape connectivity and fragmentation; (3) Ecosystem services in dynamic landscapes (especially, tradeoffs and synergies); (4) Landscape history and legacy effects; (5) Landscape and climate change interactions (particularly, mitigation and adaptation); (6) Landscape sustainability and resilience (e.g., relationships between ecosystem services and human well-being in changing landscapes); (7) Mechanisms and ecological impacts of land use change; (8) Scaling relations and hierarchical linkages of patterns and processes across landscapes; (9) Innovative methods in landscape analysis and modeling; and (10) Accuracy assessment and uncertainty analysis of landscape studies.
A valuable resource for both researchers and practitioners in ecology, conservation, ecosystem management, and landscape planning and design, Landscape Ecology is currently one of the leading journals across these fields.
Latest Articles
Research Article
Habitat alteration and habitat fragmentation differentially affect beta diversity of stream fish communities
Christopher B. Edge, Marie-Josée Fortin, Donald A. Jackson… (December 2016)
Towards a better mechanistic understanding of edge effects
Jay Ruffell, Raphael K. Didham (December 2016)
Research Article
People, landscape, and urban heat island: dynamics among neighborhood social conditions, land cover and surface temperatures
Ganlin Huang, M. L. Cadenasso (December 2016)
- Impact Factor 3.657
- Available 1988 - 2016
- Volumes 31
- Issues 222
- Articles 2,396
- Open Access 63 Articles
Stay up to Date
Find a Volume or Issue
- Journal Title
- Landscape Ecology
- Coverage
- Volume 1 / 1988 - Volume 31 / 2016
- Print ISSN
- 0921-2973
- Online ISSN
- 1572-9761
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- Springer Netherlands
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To view the rest of this content please follow the download PDF link above.


text: The Securities and Exchange Commission has proposed new rules for the $3.7 billion money-market fund industry. The proposals garnered a range of reactions. Some firms, for example, back changes that would improve transparency and market discipline, fund security and investor confidence. However, proposals for drastic changes in the organization or regulation of the funds have drawn criticism from some companies.


text: Vincent D'Onofrio Is The Kingpin In The Daredevil TV SeriesRob Bricken6/10/14 5:20pmFiled to: daredevilmarvelkingpinnetflixvincent d'onofriotelevision11615EditPromoteShare to KinjaToggle Conversation toolsGo to permalink BUT WILL HE SHAVE HIS HEAD? Advertisement Vincent D'Onofrio is a good actor. That is a fact. He's bulky and physically imposing. He definitely can pull off intense, intelligent, single-minded, and cold-blooded to the point of psychosis. So even if he doesn't shave his head as Wilson Fisk, the Marvel universe's most dangerous crime lord, for the upcoming Netflix Daredevil series, I'm thinking it's still pretty damned good casting.Actually, as this 2013 photograph for TimeOut shows, he may actually be bald this very minute. Here's hoping! Advertisement And let's not forget this won't be D'Onofrio's first Marvel role:I'm pretty this is all canon.[Via Marvel.com]Gear from Kinja DealsYour Five Nominations For Best Gaming MousepadBestsellers: HGST Touro S 1TB 7200RPM Portable DriveSaturday's Best Deals: Travelpro Luggage, Your Favorite Travel Pillow, Biking Gear, and MoreReply116 repliesLeave a reply


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It was a couple years ago since we jumped but really want to share our review. My husband was told he had kidney cancer, one kidney removed and a clean bill of health I said...
read more
It was a couple years ago since we jumped but really want to share our review. My husband was told he had kidney cancer, one kidney removed and a clean bill of health I said "lets jump out of a perfectly good airplane" haha so we chose these guys because my cousin had jumped with them and was very pleased....
wow - it was great. the entire experiance was awlsome. thank you for the great time. i would recomend this place to everyone
If you are looking to do one of those things in life ( bucket list). This would be the place to get it done. The staff is super friendly and know how to make the experience great. I bought this for my wife for her birthday.
I jumped for my first time tandem at Chambersburg Skydiving Center. Everyone seemed to be helpful and made sure we knew what to do. Purchased the video option which was pretty cool. They have a reputation of partying a lot so much me think about going back again but hey, I'm still here to talk about it so I'm sure...
Awesome,professional,safety conscious facility.
Great group of people to nurture your skydiving addiction.
Tandem instructor Dave is the way to go for your very 1st jump.
This company will not answer e-mails and will not issue refunds for any reason even if they are at fault. I had planned and paid for a freefall skydive on my birthday in July 2013. I was there the entire day. Instructors were not on-site to take me when planned and due to other circumstances, I was unable to go...
This was a side trip as we had some time before the service started at the local Episcopal Church. We enjoyed watching the folks prepare for their jumps on a glorious fall day.
Own or manage this property? Claim your listing for free to respond to reviews, update your profile and much more.


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Homemade Spicy Sloppy Joes
|Vegetable oil
|2 Tablespoon
|Lean ground beef
|2 Pound
|2 Teaspoon
|1⁄4 Teaspoon
|Chili powder
|8 Teaspoon
|Canned tomato sauce
|15 Ounce
|1 Pound (Cut Into 0.25 Inch Rounds)
|Hamburger buns
In a deep, 3 quart, heat-resistant, non-metallic casserole heat oil on full power 2 minutes.
Crumble meat into hot oil and heat, uncovered, on roast for 10 minutes, breaking up meat pieces occasionally.
Drain off excess fat.
Stir in salt, pepper, chili powder and tomato sauce.
Heat, uncovered, on full power 4 minutes or until heated through.
Add frankfurter rounds and heat, uncovered, on full power an additional 4 minutes or until frankfurters are hot.
Spoon Sloppy Joe mixture over hamburger buns.
Recipe Summary
Rate It
Nutrition Rank
Nutrition Facts
Serving size
Calories 380 Calories from Fat 217
% Daily Value*
Total Fat 24 g37.6%
Saturated Fat 8.1 g40.4%
Trans Fat 0 g
Cholesterol 91 mg30.3%
Sodium 1258.4 mg52.4%
Total Carbohydrates 11 g3.7%
Dietary Fiber 2.5 g10%
Sugars 3 g
Protein 29 g57.9%
Vitamin A 33.1% Vitamin C 11.9%
Calcium 17.1% Iron 27.7%
*Based on a 2000 Calorie diet


text:
- Description
Sweeney's® Solar Power Sonic Spike™, Buy 2 Get 1 FREE!
Special, Buy 2 Get 1 FREE Offer!
Buy 2 Sweeney's® Solar Sonic Spikes™ & Get 1 FREE
Sweeney's® Solar Powered mole and gopher repeller offers a poison-free way to drive away moles, gophers. Every 30 seconds, sonic pulses penetrate the soil, emitting a penetrating sound which is irritating to moles and gophers who are virtually blind and extremely sensitive to sound and vibrations. This method encourages moles to leave the property, and the solar operated spike continues to discourage return visits.
No batteries are required to operate the waterproof solar spike; one solar charge will last up to 5 days. The spike is built with a mow-over design and safe to use around pets. Allow 7-14 days before moles and gophers start to move away from the area.
View video for tips on how to drive moles from your yard with Sweeney's® Solar Powered Sonic Spike™:
How to Use
- STEP 1-Use a wooden stake or steel rod to make a pilot hole prior to inserting the Solar Powered Sonic Spike™ into the ground.
- STEP 2-Insert the spike until the bottom of the spike head begins touching the ground to prevent the chance of hitting it with a lawnmower or tripping on it.
- STEP 3-To activate, slide switch to "ON".
- STEP 4-Remove Solar Powered Sonic Spike™ when flooding may occur or before ground freezes.
Sweeney's® - Every Weapon You Need to Protect Your Lawn!TrapsPoisonsGranular & Spray RepellentsSonic Spike RepellentsMode of ActionEase of UseUsage InstructionsSafety InformationReusableWeather ResistantBatteries Required30-Day WarrantyKills; Spears or pinches the mole or gopherModerateLocate active tunnel, place and set trapNo chemicals or poisons, use with caution around children and petsKills; Poisons the mole or gopherEasyLocate active tunnel, place bait in tunnelDo not use around children and petsRepels; Castor oil contaminates the tunnel and the mole or gopher's food sourceEasyLocate active area, spray/shake directly from container, water-in with hoseNo chemicals or poisons, safe to use around children and petsRepels; Sonic pulses repel the mole and gopherEasyLocate active tunnel, place spike near tunnelNo chemicals or poisons, safe to use around children and pets
Click Here to See More Features »
Click Here to See Less
- Specs
Sweeney's® Solar Power Sonic Spike™, Buy 2 Get 1 FREE!
- Moles and gophers are chased away unharmed
- Solar powered, no batteries required
- One charge lasts 5 days
- Will not harm pets
- Spike covers up to 7,500 sq ft
- Sonic pulses emitted every 30 seconds
- Spike operates in a circular pattern, approximately 95 ft. in diameter
- Mow-over design - bury flush with the ground
- Waterproof
- Videos
- Reviews
Disclaimer: Victorpest.com does not endorse any information contained in product reviews. Please follow all label instructions for your specific use.Sweeney's® Solar Powered Sonic Spike™ - Buy 2 Get 1 FREE is rated out of 5 by 38.Rated 5 out of 5 by Cop 793 from Solar mole spikes I live in Louisville Kentucky. I built my home in May 2016. Every morning I was dealing with new mole tunnels. Became a daily ritual of stomping them all back down. Out of desperation I was willing to try anything. I went to the internet and began searching. I came across these spikes. For $45 it was worth trying in my opinion. They arrived within a day. I layer them in the sun for a day before installing them. They have been in he ground for about two weeks. I have not had any new tunnels since installing the spikes. Seems to be working.Date published: 2016-11-01Rated 1 out of 5 by Unhappy from Does not work Bought these a month ago, vey bad purchase as they do not work!Date published: 2016-10-26Rated 1 out of 5 by anonymous from Batteries? The unit S9014 should have accessability to batteries. Especially if it is overcast for most of the month as would occur in winter in the upper mid west. The ability to recharge the Ni-MH batteries is a most.. Would like a refund.Date published: 2016-10-18Rated 1 out of 5 by Christian from Do not repel moles Wanted to give these the full recommended time before review. After two weeks of function mole activity has not decreased and continues even as close as 18" from spikes. They are audibly toning so function is not the issue. They are properly installed in the ground per instructions and hard clay soil is supposed to be MORE sound conductive according to documentation. No effect on moles.Date published: 2016-08-12Rated 1 out of 5 by baileykat from not so great Got it for moles. They love it. Built a tunnel fight next to it.Date published: 2016-08-09Rated 1 out of 5 by Kim S from Don't waste your money We had agressive gophers in our lawn, and these spikes did absolutely nothing. In fact, shortly after installing them, we found that the GOPHERS had obviously made attempts at uprooting the spike!Date published: 2016-07-31Rated 4 out of 5 by Andie from Mole spikes, solar I installed one spike (small yard) a week ago. Have not seen any new evidence of moles. It seems to be working. I like the solar spikes because D batteries are expensive and annoying to have to replace. Solar energy is FREE!Date published: 2016-07-30Rated 5 out of 5 by Bobws56 from Patience pays off - they're gone Not sure what critter(s) we had, but these stakes seem to have worked. My rodent friends may have been prairie dogs (we live in the SF Bay Area). It has been about two weeks since I placed two stakes in my yard and I have not seen any evidence of the critters in the last four days. Prior to this, the drain covers in our lawn drainage system were popped off nearly every night. The system provided a ready-made burrow and tunnel system for the little guys. There were areas in the yard that were dug up where the rodents were digging for grubs. My 3-pronged attack included two sonic stakes, repellent and traps. I placed spring traps in the drain holes, but to no avail. I also spread gopher and mole repellent on the lawn to discourage the pests. I do believe this helped. I was losing patience with the sonic stakes and was going to resort to poisoned bait. Fortunately, the stakes seemed to have worked. It did take a full two weeks. The drain covers have stayed in place and there has been no damage in the yard for five days now. Success!!Date published: 2016-07-18
I installed these three days ago. We have had sunshine all three days. Should I be able to hear any sound from these spike? I have pulled them from the ground and listened. There is no sound or vibration from any of the spikes. Thanks, RodneyThis product is covered by a 30 day return policy and a 1 year warranty. For further assistance please call us at 1-855-5-VICTOR (1-855-584-2867).Date published: 2016-11-11
How is it recharged?This unit is charged by the sunlight. For best results, it should be placed in a sunny location.Date published: 2016-11-01
I had to put it near my chicken coop because of moles there will it drive m chickens crazy ????The audible sound above ground will be muffled, however, this product has not been tested for its effects on chickens.Date published: 2016-10-25
How do you change the battery in the solar powered sonic spike?The batteries in the spike is not intended to be replaced.Date published: 2016-10-18
Why does it keep beeping? Does it stop when it's dark?Every 30 seconds, sonic pulses penetrate the soil, emitting a penetrating sound which is irritating to moles and gophers who are virtually blind and extremely sensitive to sound and vibrations. One charge lasts up to 5 days, meaning that the spike will continue to work overnight.Date published: 2016-10-12
bought 5 of these solar mole sticks and 3 month later none work,and moles are back in my yard??The Solar Sonic Spikes™ require direct sunlight to charge and should be turned to the ON position. This product is covered under a one year warranty for replacement. Please contact our Consumer Relations Team at 1-800-800-1819 x 458 for additional assistance.Date published: 2016-09-27
I hear a constant high pitched buzz when my spike is switched in off position in the sun, then is louder in on position. Am I supposed to hear this? The package says it sends out a sonic pulse every 30 seconds. Just want to know if it's working right.The spike will pulsate every 30 seconds and should not have a constant buzzing. Please contact our Consumer Relations Team at 1-800-800-1819 x 458 for additional assistance.Date published: 2016-08-12
Mine worked for a couple of days in the sun - still sunny and no longer working. it is new. What can I do now.This spike is covered under a one year warranty. Please contact our Consumer Relations Team at 1-800-800-1819 x 458 for additional assistance.Date published: 2016-07-25
- All About
Moles are helpful in that they remove damaging insects and grubs from lawns and gardens. Unfortunately, however, their burrowing habits can destroy grass, gardens and flower beds and tear up tree roots.More About Moles»
Gophers excavate soil from their tunnels, creating large, horseshoe-shaped mounds. Gopher mounds are typically larger than Mole hills with the entrance hole at an angle to the ground surface.More About Gophers»


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Today's Devotional
In the GapWhat has God equipped you with to intercede for others?
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The November Jobs Report provided another mixed bag of economic data as the unemployment rate fell, while wages and the labor force participation rate both declined. The traditional unemployment rate fell to 4.6% from 4.9% in October. The labor force participation rate remains historically low at 62.7%, but has improved compared to November 2015 when the rate was 62.5%. Looking at overall trends for 2016, the labor market shows a higher level of participation, increased average wages and lower unemployment.
In this series from the SAP Fieldglass implementation team, we are discussing different considerations for tackling the challenge of expanding your program around the world. Today, we're joined by Amie Dyos, Solutions Consultant EMEA, to talk about how to make technology architecture decisions for your program. Welcome, Amie!
The SAP Fieldglass 2016 EMEA Best Practices Summit was a huge success, attended by over 60 attendees from over 25 different global organisations. We had a great mix of repeat and first-time attendees! This customer-only event takes place each year in both the U.S. and Europe and provides our users with the opportunity to connect, network, share best practices and learn about the latest industry and SAP Fieldglass news.
In today's market, talent has become a major differentiator. According to the latest research from Ardent Partners, nearly 40 percent of the workforce is comprised of external workers. Knowing this, it's imperative that organizations improve the talent experience for non-employees and embrace them as an essential part of corporate culture.


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New Jersey Superior Court, Appellate Division
Decided: May 22, 1990.
RUTH FORREST, PLAINTIFF-APPELLANT,v.ALEXANDER FORREST, INDIVIDUALLY AND AS EXECUTOR OF THE ESTATE OF JOHN R. FORREST, AND FREDERICK NIEMANN, DEFENDANTS-RESPONDENTS, AND VIVIAN L. SEIBERT, THIRD-PARTY DEFENDANT/CO-APPELLANT
On appeal from Superior Court, Chancery Division, Monmouth County.
Pressler, Long and Landau. The opinion of the court was delivered by Landau, J.A.D.
[241 NJSuper Page 241]
This is an appeal by plaintiff Ruth Forrest and third-party defendant Vivian L. Seibert from a post-judgment order of July 18, 1989 entered by the Chancery Division, Monmouth County, following hearing on defendant Frederick Niemann's order to show cause to enforce litigant's rights and to compel closing of title pursuant to a consent order of settlement entered on February 6, 1989. The February 6 order incorporated terms of a settlement spread upon the record in open court with acquiescence of the parties, which ended litigation arising out of an attempt to block sale of a farm to Niemann by defendant Alexander Forrest, the executor of the Estate of John T. Forrest, deceased. The disputed sale had been the subject of a contract dated May 19, 1986.
Paragraph A of the February 6, 1989 order provides:
The parties shall close title to Blocks 165 and 166, Lots 8 and 4, Howell Township, New Jersey in accordance with the terms and provisions of the contract of sale dated May 19, 1986. Closing of title will take place within 120 days of the date of the entry of the within Order. All parties, namely, Ruth Forrest, Vivian Buechner, Alexander Forrest, Individually and as Executor, and their respective spouses, if any, shall provide their signatures to the appropriate Deed and adequate Affidavit of Title.
The 120-day period would have expired June 6, 1989. Niemann, whose purchase of the property under the 1986 contract had been previously long delayed because of the dispute among members of the Forrest family,*fn1 wanted to close during the week of June 11th. He was advised by letter dated June 8, 1989 from Ruth Forrest's attorney that he was in default of the settlement order for failure to close title by June 6. Niemann's
[241 NJSuper Page 242]
counsel responded on June 12, 1989 that they were ready, willing and able to close. On June 19, 1989 the attorney for Alexander Forrest, executor of the John Forrest estate, purported to advise Niemann that the closing date was extended to July 14, 1989. As above noted, the original 1986 contract was between the executor and Niemann.
Thereafter, Niemann requested the court to enforce the settlement, modified by the short extension of closing date. He certified that by reason of the extensive litigation-caused delays, he had to rearrange financing and title work leading to the time slippage.
Following hearing, the trial judge entered the July 18, 1989 order of modification which is the subject of this appeal. It provided for a July 20 closing and ordered all parties to close.
Essentially appellants Ruth Forrest and Vivian L. Seibert (the third-party defendant) urge that the trial judge was without authority to modify the terms of a settlement entered into among parties to a dispute, or indeed even to entertain such a request. Ruth Forrest also urges that even if the court could make such a modification, there was an insufficient basis presented to warrant the action, and that the trial judge improperly imposed a burden of proof upon her.
We have examined the authorities relied on by the trial judge to support the order of modification. While we question the rationale employed, we are satisfied that the July 18 order was properly entered upon an adequate showing by Niemann.
Although a court has unquestioned power to reconsider and modify an order or judgment which reflects an earlier judicial decision under appropriate circumstances, see R. 4:50-1, there is a difference in the substantive and policy considerations involved when the subject of reconsideration is an order which merely recites the terms of a settlement agreement entered into by the parties, and not imposed by the court.
The authorities cited by the trial judge, Johnson & Johnson v. Weissbard, 11 N.J. 552, 95 A.2d 403 (1953); Pope v. Kingsley,
[241 NJSuper Page 243]
40 N.J. 168, 191 A.2d 33 (1963); State v. Conners, 129 N.J. Super. 476, 324 A.2d 85 (App.Div.1974); Balip Automotive Repairs, Inc. v. Schroeder, 6 N.J. Super. 511, 69 A.2d 760 (Law Div.1949), rev'd, 8 N.J. Super. 238, 73 A.2d 848 (App.Div.1950), aff'd, 7 N.J. 152, 81 A.2d 9 (1951), do not in our judgment constitute general authority for a judge to materially modify such a memorialization of agreement. We doubt that many settlements would be achieved if courts were free to later adjust material terms thereof to meet judicial notions of fairness, and then to order compliance with the adjusted "settlement." As stated by Vice Chancellor Stein in Fidelity Union Trust Co. v. Union Cemetery Assn., 136 N.J. Eq. 15, 40 A.2d 205 (1944), aff'd o.b., 137 N.J. Eq. 455, 45 A.2d 670 (E. & A.1946):
While a consent decree partakes of the nature of both a contract and a decree, it is not strictly a judicial decree, but rather in the nature of a contract entered into with the solemn sanction of the court. . . . A consent decree can only be set aside by consent.
Id. at 25, 40 A.2d 205 (citations omitted). See also Long v. Mertz, 21 N.J. Super. 401, 91 A.2d 341 (App.Div.1952).
Here, the settlement order expressly recited that closing of title was to be "in accordance with the terms and provisions of the contract of sale dated May 19, 1986." The closing date in that contract had long since expired. The parties agreed and the court order stated that "closing of title will take place within 120 days of the date of the entry of the within order." There was no recitation in the 1986 agreement, nor in the February 6, 1989 order, nor in the agreement spread upon the record, that time was of the essence.
It is well settled in real estate case law and practice that absent a clear expression or a necessary implication respecting essentiality of a closing date, a reasonable deviation will be permitted, and a court of equity will enforce the obligation to convey where a buyer is ready, willing and able to close within the time deemed reasonable in the circumstances. See Salvatore v. Trace, 109 N.J. Super. 83, 91, 262 A.2d 409 (App.Div.1969),
[241 NJSuper Page 244]
aff'd, 55 N.J. 362, 262 A.2d 385 (1970); Hoffman v. Perkins, 3 N.J. Super. 474, 67 A.2d 210 (Ch.Div.1949).
Absent a time-of-the-essence provision, we see the July order as nothing more than a response to Niemann's request that the settlement agreement embodying his original 1986 contract be enforced, just as would any real estate contract in the same circumstances. We find no necessary implication to the contrary. The initial request made was to close during the week of June 11, instead of by June 6. Grant of an order which compelled closing was a reasonable exercise of discretion in light of Niemann's readiness to close, and his reasons for the short delay. See, Salvatore and Hoffman, supra.
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LRC, Inc. About Us


text:
|Shortcrust pastry
|6 Ounce (To Make A 9 Inch Pie Crust)
|2 Tablespoon
|1 Large, chopped
|4 , beaten
|1 1⁄2 Cup (24 tbs)
|1 Cup (16 tbs)
|Cheddar cheese/Swiss cheese
|2 2⁄3 Cup (42.67 tbs), grated
|Freshly ground black pepper
|To Taste
|To Taste
Pre-heat the oven to 400°F.
Grease your quiche dish, roll out the pastry and press it round the bottom and sides of the dish.
Place some greaseproof paper filled with baking beans or dry rice on the pastry, and bake it blind for about 10 minutes, until the pastry turns a pale brown colour.
Heat the butter in a frying pan and saute the onion until lightly browned.
Allow to cool.
Whisk the eggs in a mixing bowl and gradually add the milk and cream, beating after each addition.
Add the cheese, salt, pepper and, last of all, the cool onions to the egg mixture.
Pour this mixture into the pastry shell.
Bake for 25-30 minutes.
Recipe Summary
Rate It
Nutrition Rank
Nutrition Facts
Serving size: Complete recipe
Calories 3401 Calories from Fat 1809
% Daily Value*
Total Fat 203 g311.9%
Saturated Fat 122.2 g611%
Trans Fat 0 g
Cholesterol 1366.7 mg455.6%
Sodium 3646.4 mg151.9%
Total Carbohydrates 248 g82.6%
Dietary Fiber 5.6 g22.3%
Sugars 116.8 g
Protein 146 g292.4%
Vitamin A 127.2% Vitamin C 38.8%
Calcium 385.1% Iron 40.8%
*Based on a 2000 Calorie diet


text: Located in Bartlett, The Seasons Resort is in the mountains and close to Attitash Mountain Resort and Diana's Baths. This condo is within close proximity of Story Land and Cathedral Ledge. Make yourself at home in one of the 70 individually decorated guestrooms, featuring kitchens with refrigerators and stovetops. Rooms have private patios. Cable programming and DVD players are provided for your entertainment, while complimentary wireless Internet access keeps you connected. Conveniences include microwaves and coffee/tea makers, as well as phones with free local calls. Take advantage of recreational opportunities offered, including outdoor tennis courts, an indoor pool, and a spa tub. This condo also features complimentary wireless Internet access, an arcade/game room, and tour/ticket assistance. The front desk is staffed during limited hours. This condo has 2 meeting rooms available for events. Free self parking is available onsite. An indoor pool and a spa tub are on site. Other recreational amenities include outdoor tennis courts, a sauna, and a fitness center. The recreational activities listed below are available either on site or nearby, fees may apply.


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Mulled Wine Sangria
merlot, sugar, spices, fresh orange juice, strawberries, orange and 1 more
Simple Red Wine Sangria
I Cook and Code
red wine, lemon, orange, sugar, brandy, club soda
navel oranges, lime, merlot, pomegranate juice, sugar, apple cider
fresh orange juice, sugar, merlot, clove, orange rind, cinnamon sticks and 3 more
Apple-Cinnamon Winter Sangria
Better Homes and Gardens
dried apple, dried cranberries, raisins, dried apricot, brandy and 5 more
sugar, dry red wine, orange juice, peach nectar, orange liqueur and 5 more
dry red wine, zinfandel, zinfandel, merlot, merlot, pinot noir and 5 more
Scarlet Sangria
navel oranges, lime, merlot, pomegranate juice, sugar, apple cider
Grand Sangria
wine, Grand Marnier, black grapes, lemon, orange, apples, cinnamon sticks and 3 more
The Best Sangria Ever
Iowa Girl Eats
merlot, lemon, orange, sugar, rum, club soda, fruit, raspberries and 4 more
Classic Sangria
Recipe Girl
brandy, cointreau, water, orange juice, agave nectar, dry red wine and 1 more
Poison Apple Pomegranate Sangria
The Girl in the Little Red Kitchen
merlot, brandy, pomegranate juice, apples, pomegranate
Ang Sarap
red wine, sprite, orange, orange, lemon, lemon, apples, brandy and 2 more
Classic Lusty Red Sangria
Serious Eats
orange, lemon, apples, fresh lime juice, fresh orange juice, sugar and 4 more
Best-Ever Sangria
Iowa Girl Eats
merlot, lemon, orange, sugar, white rum, club soda, fresh blueberries and 4 more
Best Party Sangria
Wine About.com
red wine, lemon, orange, lime, sugar, orange juice, gin, raspberries and 2 more
Classic Sangria
Eating Well
red wine, triple sec, orange, lemon, plain seltzer, ice
merlot, cognac, orange, seltzer, orange juice, lime juice, apples and 4 more
Christmas Sangria
Kitchen Nostalgia
red wine, brandy, orange juice, cherry juice, fruit, gingerbread seasoning and 3 more
Camping Sangria
Create Mindfully
merlot, orange, club soda, coconut sugar
Spanish Red Wine Sangria
Edible Ventures - Julie
red wine, brandy, triple sec, orange juice, apples, orange, sugar
Fruity Summer Sangria
Sweet Little Blue Bird
red wine, simple syrup, pineapple, cranberry juice, fresh blueberries and 4 more
Red Sangria
Food and Wine
red wine, brandy, simple syrup, orange, ice
Sake Sangria
Cake 'n' Knife
sake, merlot, pomegranate juice, lemon juice, lime juice, orange juice and 3 more
Summer Berry Sangria
Cooking with Curls
orange liqueur, orange, lemon, lime, frozen mixed berries, merlot and 1 more
Happy Place Sangria
Happy Mothering
merlot, orange, lemon, lime, pineapple, pitted cherries, ginger ale
The BEST Sangria
Gimme Some Oven
dry red wine, brandy, sugar, orange liqueur, strawberries, orange and 4 more
Paleo-ish Sangria
The Primal Desire
red wine, Grand Marnier, brandy, orange, lemon, lime, mulberries and 3 more
Sparkling Summertime Sangria
The Rebel Chick
merlot, lemon, lime, orange, pineapple, cherries, ginger ale and 7 more
Holiday Sangria
The Travel Bite
merlot, ginger ale, sugar, ground cinnamon, ground nutmeg, ground cloves and 3 more
Red Sangria
Sassy Eats
red wine, brandy, simple syrup, lime, lemon, orange, ice, sugar and 2 more
Fresh and Easy Sangria!
Laughing Spatula
red wine, orange, lemon, lime, apples, liquor, carbonated water
Macerated Summer Berries Sangria and Santeaia.
strawberries, blueberries, triple sec, blackberries, agave nectar and 10 more
Crock Pot Spiced Orange Cranberry Sangria
Will Cook for Smiles
merlot, orange, fresh cranberries, cinnamon sticks, clove, cranberry juice and 1 more
Autumn Sangria with Apples, Pomegranate and Blackberries
Domesticate Me
pomegranate seeds, blackberries, apples, honey, cinnamon sticks and 3 more
Bronco Berry Super Bowl Sangria
Cinfully Simple
Frontera Cabernet Sauvignon/Merlot, blackberry brandy, frozen red raspberries and 4 more
Holiday Apple Pomegranate Sangria
Sumptuous Spoonfuls
red wine, apples, raspberries, pomegranate seeds, Pama Pomegranate Liqueur and 3 more
Walker Blood Sangria
Cravings ot a Lunatic
wine, pomegranate juice, cointreau, carbonated water, ice, pomegranate seeds and 1 more
Strawberry Basil Sangria
Wine in Mom blog
strawberries, basil leaves, ice, red wine, brandy, sprite, lime slices
Cozy Christmas Sangria
Finding Silver Linings
merlot, ginger ale, sugar, ground cinnamon, ground nutmeg, ground cloves and 3 more
Cranberry Sangria aka Devil's Sangria
Cravings ot a Lunatic
merlot, cranberry juice, cointreau, fresh cranberries, carbonated water and 1 more
Strawberry Sangria
The Lust List
sugar, fresh orange juice, fresh lemon juice, strawberry purée and 7 more
Mulled Apple Cider Sangria
The Girls on Bloor
red wine, orange, lemon, apples, apples, orange, lemon, ground nutmeg and 2 more
Incredibly Yummy Red Sangria
red wine, triple sec, blackberry brandy, lemonade, mandarin oranges and 3 more
Green Tea Sangria
So Fab Food
green tea bags, merlot, pineapple, green grapes, watermelon, papaya
Easy Red Sangria
Dont Mess with Mama
red wine, orange juice, grapefruit juice, brandy, apples, orange and 7 more
Olive Garden Berry Sangria
Copykat Recipes
red wine, raspberry juice, sugar syrup, fresh berries, blackberries and 2 more
Sangria for your Valentine
Taylor Takes a Taste
wine, cointreau, simple syrup, cognac, raspberries, kiwi fruits and 3 more
Cherry Berry Sangria
Mind Over Batter
cherries, strawberries, blueberries, simple syrup, pineapple juice and 3 more
My Homemade Sangria
I try to eat healthy
apples, bananas, lime, pure vanilla extract, ground nutmeg, ground cinnamon and 4 more
The Sacred Sangria
How To: Simplify
red wine, lemon, orange, sugar, brandy, ginger ale, gin, fresh blueberries and 39 more
Red Wine Pomegranate Sangria
Serena Bakes Simply from Scratch
honey, hot water, white rum, red wine, pomegranate juice, seeds and 6 more
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peaches, orange, orange juice, honey, cinnamon sticks, clove and 2 more
Red Wine Sangria
My Mommy Brain
dry red wine, orange, lime, pineapple, sugar, Welch''s 100% Juice and 6 more
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Aggies Kitchen
water, sugar, cinnamon sticks, orange peel, peeled fresh ginger and 11 more
Sangria Tinto
Inspired by Charm
simple syrup, red wine, brandy, triple sec, orange juice, orange and 2 more


text:
Ericdress Color Block Casual Long Sleeve T-Shirt
Here ericdress.com shows customers a fashion collection of current hairstyle for short hair for wedding.You can find many great items. They all have high quality and reasonable price. You can get big discount sometimes, because we always do promotions. If you need hairstyle for short hair for wedding,come here to choose. We give you good items and services.
Pretty Daisy Lace Hair Band for Women
Lace Flower Pearl Headwear for Bride
Just for You Modern Handbag for Women
Delicate Rhinestones Handbag for Evening/Wedding(3colors)
Boho Golden Paillette Cutout Flower Pendant Hair Band for Women
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Ericdress Furry Rabbit Hair Warm Hat for Women
A Line Princess Strapless Chapel Train Satin Wedding Dress for Brides With Jacket/Shawl
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Ericdress Metallic Leaf Tassel Headband for Women
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Ericdress Floral Short Sleeve Square Collar Retro Dress for Girls
Vintage Hollow-out Crown Ring for Women
Delicate Flower Diamante Ring for Women
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Ericdress Vintage Opal Diamante Ring For Women


text:
About Us
CNM 2016 Annual Gathering 11th - 13th November
Posted By:
Sun Jun 26, 2016 10:31 pm GMT+10
Official announcment that the CNM 2016 Annual Gathering will be held on the weekend of the 11th -13th November. Remember, no LAN this year!
Plan is:
Friday lunch - We'll meet up at Southbank for our usual kick back lunch for those who arrive early enough.
Friday night dinner - Typical Friday night crazy dinner and drinks fun happy time. Vote for what you'd like here
http://www.cenameldir.net/index.php?opt ... =74&t=3779
Saturday board game madness - With everyone doing different things in computer land, we've decided this year not to have a LAN and instead have a dedicated board game day. We'll run this like we would the LAN day. Kid free. Start around lunch timeish. Do pizza capers for dinner and then rock on until late, except instead of computer games, we'll crack on with boardgames.
Sunday family friendly BBQ and then not so serious evening games - Traditional Sunday BBQ followed by some fun games in the late afternoon evening.
Site issues.
Posted By:
Wed Jul 29, 2015 12:38 am GMT+10
Oh hai.
Well after some seriously poor customer service from Jumba (our previous VPS hosts) we have been forced to move the site and associated acts to a new host.
I know a few of you noticed the site was down and were unaware of the reasoning behind it. Our old host pulled the plug on hosting VPS' (virtual private servers).
In the interest of getting things up and running as fast as I could I opted to run this up on a designated website hosting company.
They are located here in Brisbane and are by word of mouth a very reputable and reliable host.
However due to me no longer having full control of the underlying server, there have been a couple of snags in getting things back up and running smoothly.
I am working through these things with tech support at the moment and they have been amazing thus far.
Cheers for your patience.
RIP Mr Spock
Posted By:
Sat Feb 28, 2015 8:41 am GMT+10
http://www.news.com.au/entertainment/ce ... 7242358949
Consider me heartbroken.
Personally Spock was a favorite character and Nimoy a hero.
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Here is a link to my facebook: http://www.facebook.com/elizabethjeannn
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Hotfrog Canada provides information regarding BMO Bank of Montreal in Burlington ON. BMO Bank of Montreal is located at 3027 Appleby Line, Burlington ON L7M 0V7 and provides Financial services. Contact them on (905) 335-8438 or by visiting them on their website http://bmo.com.
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Source: Viinistu hotell
Our hotel has four family rooms and 20 double rooms. Naturally, we offer accommodation for those who arrive alone as well. All rooms have a toilet and a bathroom: Double rooms have a shower and family rooms come with a bath.
Each hotel guest is offered a hearty breakfast which includes, among other things, muesli toasted by our chefs, homemade yoghurt, organic porridge, and fresh jellies. We can offer accommodation for a total of 100 guests. You can leave your car next to the hotel, to the car park with a 24-hour surveillance. Those who come to us by bus do not have to walk far either – the village's bus stop is located at the gates of the hotel.
It was a warm summer's night (22°) but our room was stiflingly hot - we were unable to open the windows as there were lots of mosquitos waiting to feast on us. The staff did provide a fan the secpond...
Nice view to the sea from balcony. Room is very simple but ckean and everything what necessary is there. The price level could be little bit lower. It wasn't 55 eur worth. In the next building you...
We have been twice in the restaurant and have been surprised by the quality, freshness and the price. In my opinion the best food in a restaurant in the next 50 km for only 10 € a main dish. They...
|Number of rooms
|Rooms total


text:
Mushroom-Garlic Cream Tartlets
Total Time
Prep 35 mins
Cook 20 mins
These make wonderful appetizers. You can prepare the filling and the crescent dough tartlet cups ahead. Just cover and refrigerate them separately for up to 2 hours. Fill the cups just before baking.
Ingredients Nutrition
- 2 tablespoons butter
- 1 (8 ounce) packagefresh whole mushrooms, finely chopped
- 1 tablespoon onion, finely chopped
- 2 garlic cloves, minced
- 1 tablespoon all-purpose flour
- 1⁄2 cup whipping cream
- 1⁄4 cup parmesan cheese, grated
- 1 (8 ounce) can refrigerated crescent dinner rolls
- fresh thyme sprig
- sea salt, for garnish
- quartered small mushroom, for garnish
- Heat oven to 350 degrees.
- In 12-inch skillet, melt butter over medium heat.
- Cook mushrooms, onion, garlic and flour in butter 5 minutes or until vegetables are tender, stirring frequently.
- Stir in cream and cheese, cook 2-3 minutes or until most of liquid has evaporated, stirring frequently.
- Unroll dough into 2 long rectangles, firmly press perforations to seal.
- Cut each rectangle into 12 squares.
- Place 1 square in each of 24 ungreased mini muffin cups.
- Firmly press in bottom and up sides, leaving corners of dough extended over edges of each cup.
- Spoon 1 heaping teaspoon mushroom mixture into each cup.
- Bake 9-12 minutes or until golden brown.
- Remove tartlets from oven, sprinkle with thyme.
- Cool 5 minutes, then remove tartlets from pan.
- Serve warm.
- Store in refrigerator.
- For garnish, if desired, sprinkle coarse sea salt on the serving plate. Top the tartlets with quartered small mushrooms and fresh thyme.
Most Helpful
My sister made these at Christmas for a girls get-together...they were Outstanding! Thanks for posting this recipe..it will be here for safe keeping!
We had a lovely dinner last night. THANK YOU! Made 1 big tart this time as a main course (so the cooking time was longer) and I made my own pastry base. I used 1 whole onion, added in 2 eggs, milk, grated nutmeg and freshly ground black pepper. We loved it! Thank you for sharing your recipe. A keeper for sure!


text:
Second comp I did for this client. Teeth forming a hand. More of a artistic explination of his practice.
For a Cosmetic and Implant Dentist who specializes in the experience of your dental visit. Caring nature for his clients.
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