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Microsoft Teams makes work-chat simple: 5 things you need to know
Today Microsoft Teams takes on the other big name in chat-based workspace software Slack. To do this, they've made their process quite simple - and today we're making it even simpler to understand. As Microsoft enters this field of play with a competitor already well-fit in with work teams globally, we aim to explain how they plan to do it. Here we'll also explain what it Microsoft Teams means for the average consumer.

subset: commoncrawl


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|Katherine Lemon, MD
|February 8, 2013
|0 Comments
|Family Medicine
Sharing butterfly kisses with your kiddo? Who doesn't? It's a great way to bond, cuddle…and potentially to spread conjunctivitis. Also known as pink eye, this contagious infection causes irritation or infection of the membrane that covers the white of the eye and inside the eyelid. It is very common in both children and adults, but with proper precaution and care, you can protect yourself and your child from catching and spreading the infection.
How did my child get pink eye?
There are many different causes of pink eye, including bacteria and viruses. The infection can be spread from person to person, or it can develop on its own. Children in daycare centers or school are exposed to more germs and may be more likely to pick up pink eye.
What are the symptoms?
Pink eye can be mistaken for general irritation or redness in the eye, but the following are some signs:
How do I treat pink eye?
Though it's a minor infection, it is very important to see a doctor if symptoms are present to prevent damage to the eye and stop the spread. After it's confirmed as pink eye, antibiotic ointment or drops will be prescribed to stop the infection.
Can I prevent pink eye?
Pink eye is highly contagious and can be spread through contact with the eye drainage that contains the bacteria or virus. To prevent the spread of the infection, it is important to thoroughly wash hands and bedding, do not share towels, washcloths, contact lens equipment, eye makeup or eye medicine. Women should stop using any eye cosmetic products or tools (eyeliner, mascara, lash curlers, etc.) that may have been in contact with the infection. If anyone else in the household shows symptoms, contact the doctor to begin treatment right away.
If you suspect pink eye in your child, talk to your family practice provider or pediatrician right away. After antibiotics are started, drainage and irritation typically begin to subside in about 24-48 hours, though antibiotics should be continued for the duration stated by the provider.


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"There may be no greater area of confusion and misunderstanding than fear of the PATRIOT Act" - Ontario Information and Privacy Commissioner
Cloud computing and data outsourcing has been embraced by many Canadian companies. In a recent poll, the adoption rate of cloud-based services by Canadian businesses experienced one of the highest year-over-year increases. Data security and concerns over personal information and privacy remain one of the biggest barriers to adoption.
One of the most common concerns raised by businesses who are considering cloud computing is the law known as Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act ("PATRIOT Act"). There has been much discussion and some misinformation regarding the PATRIOT Act. For those unfamiliar with the topic, the central concern is that U.S. government authorities may use the provisions of the PATRIOT Act to access the personal information of Canadians where that information is stored in the United States, particularly in the context of outsourcing or cloud-computing.
Overall, a review of recent decisions in Canada shows that these concerns are overstated in light of the risks, and that for private sector businesses there are no prohibitions on outsourcing to the United States in light of the PATRIOT Act, provided (1) reasonable safeguards are built into the outsource contract (including confidentiality, use-restrictions, security, and provisions to meet monitoring and audit requirements), and (2) customers are notified in a clear way when their personal information will be stored or handled outside Canada. It is important to remember that the confidentiality and use-restrictions imposed on the service provider must be tied to the purposes to which the customers originally consented.
"Transparency and security" are watchwords for Canadian businesses considering the cloud.
Industry-specific regulations or guidelines, such as those found in the Insurance Companies Act and the OSFI guidelines applicable to banks and other financial institutions, place certain controls on outsourcing but do not specifically prohibit outsourcing or data-storage outside of Canada. Canadian laws, as well as the PATRIOT Act and OSFI Guidelines are reviewed below.
1. Federal Private Sector Legislation
The Personal Information Protection and Electronic Documents Act, (PIPEDA) governs federally-regulated entities, such as insurance companies. PIPEDA is also the default private-sector privacy legislation for provinces which have not passed "substantially similar" privacy legislation. To date, only Alberta, B.C. and Quebec have passed general private-sector privacy legislation that has been deemed "substantially similar" to PIPEDA.
PIPEDA governs the handling of personal information by private businesses such as insurance companies in the course of commercial activities. PIPEDA does not prohibit outsourcing of personal information to the U.S. In fact, there is a clear decision of the Canadian Privacy Commissioner that PIPEDA does not prevent federally-regulated entities from outsourcing personal information data handling or data processing to the U.S.
2. Provincial Privacy Legislation
There are multiple layers of regulation at the provincial level, for the public sector, private sector and for personal health information. Let's have a look at the Alberta law. With respect to outsourcing, under the Alberta Personal Information Protection Act (PIPA) (sections 13 and 13.1), a service provider must notify consumers when personal information is stored by a service provider outside Canada. This includes a notification of the position or title of a person who is able to answer the consumer's questions about the collection, use, disclosure or storage of personal information by the service providers outside Canada. This is considered prudent practice for any private-sector organization engaging in outsourcing personal information to U.S. service providers.
Other than these notice requirements relating to storage of personal information outside Canada, there is no prohibition on outsourcing or data processing in the U.S. in private-sector privacy laws.
3. USA PATRIOT Act
Regarding the PATRIOT Act, the Privacy Commissioner of Canada has stated that: ".. there is a comparable legal risk that the personal information of Canadians held by any organization and its service provider — be it Canadian or American — can be obtained by government agencies, whether through the provisions of U.S. law or Canadian law." The Ontario Information and Privacy Commissioner has gone further and stated: "There may be no greater area of confusion and misunderstanding than fear of the PATRIOT Act. The PATRIOT Act has invoked unprecedented levels of apprehension and consternation – far more than I believe is warranted."
The PATRIOT Act has been in effect for over 10 years, and during this time the Government of Canada states that there have been no instances where the personal information of a Canadian has been accessed under the PATRIOT Act.
Some public sector laws in B.C., Nova Scotia and Quebec require public bodies to ensure that personal information is stored only in Canada. For example, in B.C. public bodies and their service providers are obliged to notify the government if the public body receives "a foreign demand" for personal information. This is designed specifically to address PATRIOT Act concerns.
In Alberta, the public sector Freedom of Information and Protection of Privacy Act, permits a public body to disclose in response to a "subpoena, warrant or order" issued by a court, as long as the court has "jurisdiction in Alberta." While no prohibition on outsourcing to the U.S. is explicitly built into the Alberta law, this provision is intended to ensure that the public body is constrained in its ability to disclose to a court of a foreign (U.S.) jurisdiction. Once again, it should be noted that this is public sector legislation.
Several privacy commissioner decisions have directly considered the issues raised by the PATRIOT Act in the context of Canadian public and private sector privacy laws.
All of these decisions point to the need for transparency and openness when dealing with customers, to ensure that they are made aware in cases where personal information handling, processing or storage may or will be outsourced to the U.S. Secondly, the service or outsourcing agreement must contain contractual protections ensuring confidentiality, security and compliance with privacy laws, so that service provider provides a comparable level of protection for the personal information.
4. OSFI Guideline B-10: Outsourcing of Business Activities, Functions and Processes
OSFI's Guideline B-10 describes requirements for federally-regulated entities (FREs), such as banks, financial institutions and insurance companies, when engaging in outsourcing. These are the guidelines relevant to the issue of outsourcing to foreign jurisdictions. Generally, these guidelines mandate appropriate security and data confidentiality protections.
Guideline 7.1.1(j) ("Confidentiality, Security and Separation of Property") says: "At a minimum, the contract or outsourcing agreement is expected to set out the FRE's requirements for confidentiality and security. Ideally, the security and confidentiality policies adopted by the service provider would be commensurate with those of the FRE and should meet a reasonable standard in the circumstances. The contract or outsourcing agreement should address which party has responsibility for protection mechanisms, the scope of the information to be protected, the powers of each party to change security procedures and requirements, which party may be liable for any losses that might result from a security breach, and notification requirements if there is a breach of security."
OSFI also expects "appropriate security and data confidentiality protections to be in place. The service provider is expected to be able to logically isolate the FRE's data, records, and items in process from those of other clients at all times, including under adverse conditions."
In Guideline 7.2.2 ("Location of Records") OSFI indicates that: "In accordance with the federal financial institutions legislation, certain records of entities carrying on business in Canada should be maintained in Canada. In addition, the FRE is expected to ensure that OSFI can access in Canada any records necessary to enable OSFI to fulfill its mandate." This is intended to cover information such as accounting records, incorporation documents, corporate by-laws, rather than personal information.
Guideline 7.2.4 ("Outsourcing in Foreign Jurisdictions") indicates the following: "When the material outsourcing arrangement results in services being provided in a foreign jurisdiction, the FRE's risk management program should be enhanced to address any additional concerns linked to the economic and political environment, technological sophistication, and the legal and regulatory risk profile of the foreign jurisdiction(s)."
Once again, this speaks to the need for enhanced attention to security rather than any outright prohibition on outsourcing to the U.S.
5. Breaches in Alberta
The Alberta Privacy Commissioner's 2012 Breach Report shows that a majority (64%) of the 63 reported cases meeting the real risk of significant harm threshold involved human error or lost or stolen unencrypted electronic devices:
None of the cases involved a disclosure or breach through the PATRIOT Act. And it should be noted that hackers can access records on both Canadian and U.S. servers, so in that sense no additional risk is associated with outsourcing to the U.S.
Many concerns have been raised about the reach of the PATRIOT Act. It should be remembered that Canadian government authorities have similar powers to access personal information in the course of investigations, and to respond to requests by their allies, such as the U.S. in investigations.
This review of recent decisions in Canada demonstrates that private sector businesses are not prohibited from outsourcing to the United States in light of the PATRIOT Act. However, Canadian companies are well advised to implement reasonable safeguards and build these safeguards into the outsource contract. Secondly, customers should be notified in a clear way when their personal information will be stored or handled outside Canada.
See more »
DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.
© Field Law
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latest from Cebu Sports
SAN Miguel Beermen will try to protect their hold of the lead as they shoot for their ninth win when they play the GlobalPort Batang Pier in the out-of-town game of the 2016-2017 PBA Philippine Cup at the Lapu-Lapu City Hoops Dome today.Read more
IN A few days, Global FC will face the Tampine Rovers in the qualifiers for the Asian Champions League, a game that could be the turning point for the Philippine club.Read more
SAN Miguel Beer will gun today (Saturday) for a win that is not really that important.
Come again?
Not important, Sir.
Yes, copy you loud and clear.Read more
FORMER pro pug Roy Doliguez and Bernard Soriano are among the Filipinos that will be featured in ONE Championship - "Throne of Tigers" on Feb. 2 Malaysia.Read more
THE Cebu Executives and Professionals Chess Association (Cepca) is holding a Blitz Chess tournament exclusive for its Class B and C members today at the Knight Attack Chess Cafe at the Robinsons Galleria-Cebu starting at 1:30 p.m.Read more
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THERE are several kinds of no loss performances in chess. It can be based on most consecutive wins, the most number of games played, perfect score in a single tournament and longest time played without a loss.Read more


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my inbox informed with a delicate chime.
Spam I thought wearily of the intrusion,
annoyance at the break of my quiet seclusion
But as I tapped out a drumbeat replying to others,
decided I'd chance it once I'd answered my mother.
Son's duty done it was time for a look,
was it pills or a pump or perhaps just a book?
The mouse glided over, selected its prey,
a solitary word was simply displayed.
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is this some kind a virus; a Trojan disguised?
Excitement was building as I thought of my wife,
tonight she'd experience the time of her life
Smiling I watched as the answers drew near,
my scream pierced the silence as the blue screen appeared.
Separate names with a comma.


text:
Back-to-School Night Made Me Feel Like a Bad Mom, complains Jessica Lahey in The Atlantic.
When I left the house for parent-teacher night, I was a good mom. My younger son was doing his homework, and my older son was in his room practicing the opening riff of "Don't Fear the Reaper" on the guitar.
. . . Kevin's mom was out of breath because they had to rush to school from his cello lesson and Ilse's swim team practice. Heather came in late because her daughter, one of the top Nordic ski racers in the northeast, was at dry-land training. Jason and Brian, on the other hand, were on time–because they stay after school to help with math tutoring and soccer practice. Suddenly, my sons' after-school activities seemed less impressive.
. . . My younger son had spent his afternoon not at dry-land training, but in the backyard, whittling a sorcerer's staff out of a stick with one of my good kitchen knives.
The compulsion to compete for most outstanding child has been named Pressured Parents Phenomenon by Wendy Grolnick, a Clark psychology professor. Competitive parenting is contagious, says Grolnick.
Lahey includes tips to "vaccinate" yourself against PPP. I will summarize: Chill.


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Subgenotype reclassification of genotype B hepatitis B virus
- Weifeng Shi1Email author,
- Chaodong Zhu2,
- Wei Zheng2, 3, 4,
- Michael J Carr5,
- Desmond G Higgins6 and
- Zhong Zhang7Email author
© Shi et al.; licensee BioMed Central Ltd. 2012
Received: 26 June 2012
Accepted: 24 August 2012
Published: 27 August 2012
Nine subgenotypes from genotype B have been identified for hepatitis B virus (HBV). However, these subgenotypes were less conclusive as they were often designated based on a few representative strains. In addition, subgenotype B6 was designated twice for viruses of different origin.
All complete genome sequences of genotype B HBV were phylogenetically analyzed. Sequence divergences between different potential subgenotypes were also assessed.
Both phylogenetic and sequence divergence analyses supported the designation of subgenotypes B1, B2, B4, and B6 (from Arctic). However, sequence divergences between previously designated B3, B5, B7, B8, B9 and another B6 (from China) were mostly less than 4%. In addition, subgenotype B3 did not form a monophyly.
Current evidence failed to classify original B5, B7, B8, B9, and B6 (from China) as subgenotypes. Instead, they could be considered as a quasi-subgenotype B3 of Southeast Asian and Chinese origin. In addition, previously designated B6 (from Arctic) should be renamed as B5 for continuous numbering. This novel classification is well supported by both the phylogeny and sequence divergence of > 4%.
KeywordsHepatitis B virus Subgenotype Phylogenetic analysis Sequence divergence
By comparing 18 HBV genomes, Okamoto et al. proposed that sequence divergence of > 8% over the entire genome should be used for HBV genotyping in 1988 [1]. Based on this, four genotypes were identified as A, B, C, and D. So far, at least eight genotypes, from A to H, have been identified and widely accepted. Genotypes B and C are prevalent in Asia and co-infection and/or super-infection lead to frequent recombination between these two genotypes [2, 3].
Based on the rule that different subgenotypes should diverge by at least 4% over the genome [4], genotypes A [5], B [6], C [7], D [8], and F [9] have been reported to have evolved into various subgenotypes [10]. Genotype B was initially divided into two subgenotypes: Bj (j for Japan) and Ba (a for Asia) [2]. Viruses of subgenotype Bj are not recombinants, while those of subgenotype Ba are B/C recombinants, with their preC-C genes coming from genotype C [2]. In 2004, Bj was renamed as B1 and Ba was renamed as B2 [11]. In this report, subgenotypes B3 and B4 were also described. Subgenotype B3 was composed of four strains from Indonesia, while subgenotype B4 mostly comprised strains from Vietnam and France [11]. Subgenotype B5 was initially reported in 2006 from the Philippines [12]. A few months later, Sakamoto et al. found a few viruses from the Philippines that differed from subgenotypes B1 to B4, and also designated it as a novel subgenotype, B5 [13]. Subgenotype B6 was identified in 2007 from arctic indigenous populations [3]. In particular, just as with subgenotype B1, viruses of B6 were not recombinants. This observation led Sakamoto et al. to classify genotype B into two types, non-recombinant (B1 and B6) and recombinant (B2 to B5) [3]. Viruses of B7 were isolated from the Nusa Tenggara islands in Eastern Indonesia from 2008 [14]. Subsequently, subgenotype B8 was also identified in Indonesia by analyzing a large cohort of patient samples [15]. More recently, viruses of subgenotype B9 were isolated from the same region in Indonesia where subgenotype B8 was isolated [6]. This suggested that the distribution of HBV subgenotypes might relate to the ethnic origin of the infected patients [6].
However, previous studies just used a number of selected representative strains to perform phylogenetic analysis and estimate sequence divergence. Hence, the designation of novel HBV subgenotypes was less conclusive. In this study, we reanalyzed all of the full-length genome sequences of genotype B using phylogenetic analysis. This analysis led to the proposal of a novel and consistent classification for HBV of genotype B.
We have previously analyzed a total of 3471 full length genome sequences of HBV using a phylogenetic approach [16]. Our results showed that 860 sequences belonged to genotype B. These sequences were selected to generate a new dataset for further analysis. In addition, a sequence of genotype C (GenBank:EU939604) was also included in the new dataset and used as an outgroup. Information of these sequences, such as subgenotype and recombination, was also extracted from GenBank annotations. For sequences with a reference available in Pubmed, we performed an extensive literature review to obtain their subgenotype and recombination information. This information was used to define the subgenotypes.
Phylogenetic analysis of the genotype B strains was carried out using RAxML [17] under the GTRCAT approximation [18] and random starting trees. Three thousand rapid bootstrap replicates were performed and all other parameters were set to default. Trees were visualized and analyzed using Dendroscope [19]. The tree is available as Additional file 1.
The mean nucleotide divergence (mean ± SD) between different subgenotypes was calculated using Mega 5 [20] under the Kimura 2-parameter model [21]. Five hundred bootstrap replicates were applied to obtain consistent and reliable sequence divergence values.
Phylogenetic analysis grouped 655 subgenotype B2 viruses into cluster 5 [2, 11], representing approximately 76% of all genotype B strains. All viruses of this cluster were B/C recombinants, with the great majority of the strains isolated from Asia (Additional file 1). However, the bootstrap value for this cluster was only 46%.
Mean nucleotide sequence divergences over the complete genome sequences of HBV between and within subgenotypes B6, B1, B4 and B2
Within group sequence divergence
0.027 ± 0.002
0.062 ± 0.004
0.025 ± 0.001
0.074 ± 0.005
0.055 ± 0.003
0.025 ± 0.001
0.071 ± 0.004
0.047 ± 0.003
0.039 ± 0.003
0.017 ± 0.001
Cluster 3 was also well supported with a bootstrap value of 72%. Unlike the described clusters composed of a single subgenotype, cluster 3 included several previously reported subgenotypes, such as B5, B3, B9, B8 and B7 (Figure 1). In addition, a few Chinese strains named as B6 [22] were included into cluster 3. Due to the existence of another subgenotype B6 [3], the Chinese strains were tentatively renamed as B6'. Apart from the previously designated subgenotypes, two sequences isolated from China (GenBank:AY800391 and GenBank:AY800392) have not been designated a subgenotype and were tentatively named Bx. In particular, viruses of subgenotype B3 did not form a monophyly. Instead, subgenotype B3 viruses were scattered in three parts, B3-1, B3-2 and B3-3 (Figure 1).
Mean nucleotide sequence divergences over the complete genome sequences of HBV between previously designated subgenotypes in cluster 3
0.039 ± 0.003
0.030 ± 0.002
0.028 ± 0.003
0.035 ± 0.002
0.033 ± 0.003
0.019 ± 0.002
0.037 ± 0.002
0.035 ± 0.003
0.023 ± 0.002
0.025 ± 0.002
0.033 ± 0.002
0.034 ± 0.003
0.025 ± 0.002
0.030 ± 0.002
0.032 ± 0.002
0.040 ± 0.002
0.040 ± 0.003
0.033 ± 0.002
0.037 ± 0.002
0.039 ± 0.002
0.037 ± 0.002
0.038 ± 0.002
0.038 ± 0.003
0.028 ± 0.002
0.033 ± 0.002
0.035 ± 0.002
0.033 ± 0.002
0.038 ± 0.002
0.045 ± 0.003
0.046 ± 0.004
0.038 ± 0.003
0.042 ± 0.003
0.042 ± 0.003
0.042 ± 0.003
0.048 ± 0.003
0.045 ± 0.003
Previous studies have shown that different HBV genotypes and subgenotypes may cause differences in disease progression, response to anti-viral treatment regimens and in clinical outcomes [4, 10, 23]. Therefore, the accurate classification of HBV is important. To resolve the problems in HBV subgenotyping and to propose a consistent classification for genotype B HBV, we analyzed 860 complete genome sequences of genotype B using phylogenetic analysis.
Phylogenetic analysis showed that genotype B HBV has evolved into five major clusters. Four of them corresponded to B6 (cluster 1), B1 (cluster 2), B4 (cluster 4) and B2 (cluster 5). Apart from subgenotype B2, the remaining three subgenotypes were well supported by both high bootstrap values and sequence divergences of > 4%. Therefore, subgenotypes B6, B1 and B4 were properly designated. Although the bootstrap value for subgenotype B2 was only 46% and the sequence divergence between subgenotypes B4 and B2 was less than 4%, since subgenotype B2 has been widely accepted, it should be maintained in order to avoid more confusion.
However, our results failed to support the designation of subgenotypes B5, B3, B9, B8, B7 and B6'. First, subgenotype B3 was not a monophyly, but scattered in the tree. This was against the rule that an HBV genotype and subgenotype should be a monophyly [24]. Second, sequence divergences between the above subgenotypes were mostly less than 4%. This also did not support them to be separate subgenotypes.
Mean nucleotide sequence divergences over the complete genome sequences of HBV between quasi-subgenotype B3 and other subgenotypes
newB5 (previous B6)
quasi-subgenotype B3
6.1 ± 0.4%
6.8 ± 0.3%
5.8 ± 0.3%
5.8 ± 0.3%
Our results revealed that subgenotypes B1, B2, B4, and B6 (from Arctic) have been properly designated and should be maintained in the new classification. However, sequence divergences between previously designated B3, B5, B7, B8, B9 and another B6 (from China) were mostly less than 4%. In addition, subgenotype B3 did not form a monophyly. Therefore, current evidence failed to classify original B5, B7, B8, B9, and B6 (from China) as subgenotypes. Instead, they could be considered as a quasi-subgenotype B3 of Southeast Asian and Chinese origin. Moreover, previously designated B6 (from Arctic) should be renamed as B5 for continuous numbering. This novel classification is well supported by both the phylogeny and sequence divergence of > 4%.
Hepatitis B virus.
This study was partly supported by Science Foundation Ireland (PI grant 07/IN.1/B1783). We thank Dr. XY Lang and Dr. XN Wang in the Supercomputing Center of Chinese Academy of Sciences (CAS) for their help in installing and optimizing RAxML on the SCIGRID.
Authors' Affiliations
- Okamoto H, Tsuda F, Sakugawa H, et al: Typing hepatitis B virus by homology in nucleotide sequence: comparison of surface antigen subtypes. J Gen Virol. 1988, 69: 2575-2583. 10.1099/0022-1317-69-10-2575.View ArticlePubMedGoogle Scholar
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- The pre-publication history for this paper can be accessed here:http://www.biomedcentral.com/1471-230X/12/116/prepub
Pre-publication history
This article is published under license to BioMed Central Ltd. This is an Open Access article distributed under the terms of the Creative Commons Attribution License (http://creativecommons.org/licenses/by/2.0), which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.


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Fiona Finch and the Finest Flowers [F1NAL] | 120 MB
Fiona is trying to forget her past by totally immersing herself in the world of gardening. Fiona is out to win the Finest Flowers competition and needs your help! Travel to Fiona?s home town of Beeville, and dive into the fiery competition in this fast-paced Time Management game. Grow gorgeous geraniums, terrific tulips, vibrant violets, and walk away with the grand prize in Fiona Finch and the Finest Flowers!
* Fast-paced gameplay
* Unique upgrades
* Grow the Finest Flowers!
Información (Cómo descargar - NUEVO: Ver Enlaces de Descarga actualizados al 2017):


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Gird your loins, Fallout fans, for yet another Fallout: New Vegas patch. Bethesda announced another title update along with the release date of the next New Vegas DLC, Old World Blues.
Expect the second add-on in their summer series on July 19, and the update will add support for the new DLC, plus several performance improvements and stability in "major areas." Until then, expect to see a special trailer for the new DLC, which should be "crazy awesome," according to the Bethesda folks.
May 17 saw the release of Honest Hearts, which dropped the Courier off in Zion National Park -- or what's left of it. There, we met the mysterious Burned Man and became caught up in an ongoing tribal war.
Old World Blues explores the origins of the Mojave Wasteland's mutant population, and the Courier will find him/herself stumbling into yet another dramatic conflict. Lonesome Road will conclude the summer DLC series and promises to reveal more about the elusive (original) Courier Six.


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Celebrity chef makes guest appearance at Bayfront Bistro tonight
April 16, 2013 Tuesday, April 16, 2013: Rick Moonen, Celebrity Chef and owner of RM Seafood at Mandalay Bay Resort & Casino in Las Vegas, and past contestant on Bravo TV's Top Chef Masters will be at Bayfront... more »»
Good ol' family fun: Pet Adoption benefit at Nervous Nellie's Saturday
April 4, 2013 Founders and volunteers of a local pet rescue organization are excited to announce the first of a hopefully annual all-day fund-raiser for the Find a Home, Give a Home pet adoption group, Saturday,... more »»
Beach eatery among "No Violations" spots
April 3, 2013 The Division of Hotels and Restaurants has recognized a record number of "No Violations" eateries, among them one from Fort Myers Beach. This month's list includes 15 establishments in Lee County. more »»
Spring boat show begins today
March 7, 2013 The 24th Annual Fort Myers Spring Boat Show runs Thursday, March 7 through Sunday, March 10 at the Lee Civic Center. more »»
Painting the Night Away: Picasso Night at Bonita Bill's for Ostego Bay
March 4, 2013 Uniting art and science for a cause, local philanthropist Shirley Semmer has teamed up with Vino's Picasso art studio to create an artfully fantastic benefit for the Ostego Bay Marine Science Camp,... more »»
UFF accepts business ethics nominations
February 26, 2013 Nominations for the eighth annual Business Ethics Award of the Uncommon Friends Foundation are being accepted until March 1. more »»
Step WiseLee named to Falls Prevention Hall of Fame
February 25, 2013 Lee County Injury Prevention Coalition's Step WiseLee program has been named to the "Falls Prevention Hall of Fame" by the National Council on Aging. more »»
Sailing School to donate from Beach lessons
February 22, 2013 On Sunday, Feb. 24, Steve and Doris Colgate's Offshore Sailing School invites sailors and would-be sailors to go sailing and learn about a new sailing club on Fort Myers Beach. more »»
Chrysalis nominations extended to Feb. 25
February 21, 2013 The Lee County Visitor & Convention Bureau and the Greater Fort Myers Chamber of Commerce Inc. more »»
Beach doctor receives Registry accreditation
February 20, 2013 Dr. Nicole Bennett has received accreditation as a Certified Medical Examiner in the National Registry. more »»
County housing program hails 2012
February 19, 2013 The Neighborhood Stabilization Program of Lee County has announced 2012 was a successful yea. more »»
Commissioner Kiker to hold office on Beach Wednesday
February 18, 2013 Lee County Commissioner Larry Kiker (District 3) will hold office hours for residents living in the Town of Fort Myers Beach and San Carlos Island next Wednesday, Feb. 20, from 1 to 4:30 p.m. more »»
Non-Stop Season Thrill Ride: Nervous Nellie's keeps its dance card full
February 15, 2013 As we inch closer to the height of season, Bay Walk's Nervous Nellie's (1131 1st St. more »»
Let the bargain-shopping continue!
February 15, 2013 With season in full gear, several local churches, communities and foundations have been hosting yard sales, bake sales and breakfasts, raising funds for their many causes. more »»
Minnesota Twins to roll cancer in the gutter
February 15, 2013 The Minnesota Twins, in partnership with signature charity Lee Memorial Health System Foundation, will pair up to deliver an outstanding afternoon of bowling and fun on Sunday, Feb. more »»
County tourist council adds board members
February 14, 2013 The Lee County Board of County Commissioners named Colleen DePasquale and Jeff Webb as new members of the Lee County Tourist Development Council. more »»
TriPower Realty hosts "Art on the Boulevard"
February 13, 2013 CENTURY 21 TriPower Realty hosted their annual "Art on the Boulevard" Gala this past Sunday. It featured local artwork for sale by area artists associated with the Fort Myers Beach Art Association. more »»
Helping little Leanne: Beach businesses/charities help a family in need
February 5, 2013 A local beach family is currently undergoing a serious and unexpected medical dilemma, as island residents Wendy and John Wheeler's daughter, Leanne, recently received multiple emergency brain... more »»
Island establishments host Superbowl Sunday benefit for local beach family -- more places added!
February 1, 2013 2/2/13, 9 a.m. UPDATE: Other local establishments recently joined the plight to help this local family: Castaway's Bar and Grill (7205 Estero Blvd.), The Shamrock Irish Pub (2201 Estero Blvd. more »»
NOAA and power squadrons renew program
January 29, 2013 This week, NOAA and the U.S. more »»


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Insurance Definitions for Common Business & Personal Insurance Coverages
This list is not intended to represent all available coverages. Policies and coverages vary from company to company. Requirements and coverages may vary from state to state. It is important to understand what the different policies cover. One should research and understand the coverage they need or require before purchasing any product. It is important to remember that insurance agents sell policies and may not understand what coverage is best suited for your needs. When in doubt it may be necessary to seek legal guidance to understand the differences between policies. This is provided for information only. NASH does not recommend any type of policy, agent, or company.
General Liability: Protects business owners (the insureds) from risks of liabilities imposed by lawsuits and similar claims. Liability insurance is designed to offer insured specific protection against third party insurance claims, i.e., payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract. It can protect against loss of income in the event there is damage to the office where normal business takes place as well as compensation for loss of records, etc. In general damage caused by intentional acts are not covered under general liability insurance policies. When a claim is made, the insurance carrier has the duty to defend the insured.
Other Liability: Liability insurance coverage protects against legal liability resulting from negligence, carelessness or failure to act causing property damage or personal injury to others. Examples of coverage include Errors and Omissions, personal injury and liquor liability.
Professional Liability: Errors and omissions policy is available for some types of unlicensed professionals against lawsuits alleging negligence or errors. It does not cover acts resulting in personal tort (Damage, injury, or a wrongful act done willfully, negligently, or in circumstances involving strict liability, but not involving breach of contract, for which a civil suit can be brought.).
Medical Professional Liability: Provides professional liability coverage for physicians and other licensed medical professionals against lawsuits alleging negligence or errors and omissions during the care of patients. This is also known as "Medical Malpractice."
Product Liability: Coverage of the liability that parties along the supply chain of a product – from the manufacturer or the storeowner – have to assume if some defect in the product sold or manufactured injures a third party or damages his or her property.
Commercial Umbrella Liability: Provides excess limits over scheduled primary Businessowner's Liability, General Liability, Business Auto Liability, and Employment Liability policies. In addition commercial umbrella liability steps in to replace primary coverage once the primary aggregate limits of liability have been exhausted by claims paid; and affords broader coverage for some risks and under some circumstances, than primary policies under some circumstances (subject to self-insured retention). It does not take the place of general liability for business but adds as a supplement to general liability.
Surety: Surety bonds guarantee that a principal will perform a specific obligation. They are three-party contracts: the principal- the primary party who will be performing the obligation, that the oblige – the party who is the recipient of the obligation, and the surety- ensures that the obligation will be performed.
Workers Compensation: Is a system under which employers provide insurance – and the payment of lost wages – for employees in the case of injury, disability or death resulting from workplace hazards. This insurance is not intended for independent contractors. Independent contractors must carry their own insurance.
Homeowners Insurance: Some examples of the protections homeowners insurance provides to homeowners include protections against damages from fire or lightning, windstorm or hail, freezing of plumbing system, and theft. It also covers the homeowner if they are found at fault in a law suit or any testament held against them. Homeowners Insurance generally does not cover intentional acts of malice or property damage. Homeowners may or may not have limits coverage for business pursuits, professional services.
Personal Liability Umbrella: Judgments amounting to thousands or even millions are being awarded by juries across the country in ever-increasing numbers. If you accidentally injure someone or damage their property, you could be the one being sued. Even though your underlying personal policies may provide substantial liability limits, it is not uncommon today for juries to award damages that exceed those limits. Personal liability umbrella does not cover business pursuits, professional services provided or not provided.
Computer Information Security and Privacy Coverage: The Computer Information Security and Privacy coverage endorsement can now be added to your insurance policy. The limit is $50,000 and is designed to cover theft of your data. The basic insuring agreement of this coverage, for example, would cover a homeopath's alleged liability for damages resulting from a data breach or theft of data which can result in unauthorized disclosure of a client's personal and sensitive information. The coverage also protects against the corruption, destruction, or deletion or your stored data. It also covers your potential failure to prevent the transmission of malicious code to a third party computer from your computer. Professionals who store client personal data information of any kind in their practice should consider this coverage or Cyber Liability insurance which is a broader form of data theft coverage. Another reason to consider this endorsement is that there are government regulations that require professionals to protect the personal information of others in the Federal Privacy Act.
This endorsement may be important for some in NASH and other homeopathy organizations. However, those in the medical profession who are storing personal data and working with health insurance companies have more of an exposure than most. We offer a modest limit of $50,000 and the premium for this endorsement is $75.


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Eddy Elfenbein submits: I love finding great stocks that are under-followed by Wall Street. Now the International Herald Tribune brings evidence that the ignored stocks do better than their well-watched peers:
Data compiled by Bloomberg showed 49 companies with market values of $1 billion or more that are covered by no more than one analyst. The median gain for the group over the past year was 17 percent, compared with an 11 percent rise in the S&P 500.
Stocks in S&P's U.S. indexes with the lowest, yet growing, number of analysts have returned 26 percent annually since 1995, according to a report this month by Trahan. Companies with high and growing analyst coverage did not fare as well, rising 13 percent a year.
Google (NASDAQ:GOOG) is followed by over 30 analysts, yet many great companies are completely ignored. Ever heard of Northern Empire Bancshares (NREB)? Neither has Wall Street. There's not a single analyst who follows it, but check out these earnings:
1999: $0.55
2000: $0.68
2001: $0.77
2002: $0.81
2003: $0.97
2004: $1.18
2005: $1.51
Not too shabby. For the first quarter of 2006, the company earned 39 cents a share, versus 37 cents last year. The stock is actually down since last summer.
Some other unfollowed gems: Arden Group (NASDAQ:ARDNA), Coastal Financial (CFCP) and NewMil Bancorp (NMIL).


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When consumers have medical debt, it shows up on their credit reports and they may be
penalized excessively by credit-scoring agencies.
President Barack Obama on Monday will throw his support behind a new
proposal to dramatically revamp the federal student loan program.
Back-to-school is going the way of Christmas, as retailers are beginning to push next year's school necessities before many children have closed the book on the current semester.
Seven years after the housing crash began, most people remain deeply dour about the state of the nation's housing market.
Before you make another donation, be sure you are up to date on the dos
and don'ts of charitable giving to ensure your good intentions are
paying off in every way.
In the latest sign Americans are increasingly comfortable taking on more
debt, auto buyers borrowed a record amount in the first quarter.
A survey from the BLS found that the average
income for families of all sorts decreased from 2012 to 2013 by $103 to
Student loan debt, tight lending standards and stiff competition have
made it next to impossible for many younger Americans to buy homes.
Your daily commute to work could be costing you more than you have budgeted and the expenses may come in unexpected ways.
The financial travails of people under 40 with student-loan debt extend
far beyond the college loans themselves, according to a new study.


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Algarve Car Hire - Car hire in Lagos with Yor-Car.Com
Portugal Algarve - Car Hire Lagos
History-packed Lagos is among the most attractive of the Portugal Algarve´s coastal towns. It is an atmospheric town encircled by massive 16 th century walls that effectively shut out the 21 st century. To a large extent, it has survived the advent of tourism with its charm intact, because most of the development has been outside the town. Many holidaymakers conveniently visit this town with the help of Algarve car hire.
Holiday-makers tire of the beach and drift into Lagos to discover a maze of cobbled streets, too narrow for cars to penetrate. Café owners have set up tables and chairs, tempting visitors to stop and sample their delicious coffee and cakes, in between exploring the town´s churches, museums, art galleries, antique shops and bustling market.
Parkinging areas, to leave your hire car of car hire Lagos, are available along the Avenida dos Descobrimentos, the palm-lined road that runs alongside the River Bensafrim. Sheltered from the open sea, the river was adapted for use as a canal to provide access to the town´s harbour. Sleek white yachts and battered fishing boats sit side by side in the modern harbour, and signs point the way to the offices and companies offering fishing trips and voyages to the caves and coves of Ponta da Piedade, a spectacular free-standing pillars, rock stacks and grottoes of the cove near Lagos. At Ponte da Piedade you find fishermen waiting to take visitors on short trips to the nearby grottoes.
Exploring the west coast in a hire car of Lagos car rental will probably be the highlight of your stay and you will understand why so many visitors return year after year…
Algarve´s golf courses are among the best of the world. This region is known as a true golf paradise and widely regarded as the foremost golf holiday destination in Europe. At the last count there were 22 golf complexes, 32 separate courses and over 549 widely differing holes to play along the south coast of the Algarve – and another two complexes and 45 holes within easy driving distance just over the Spanish border.
Golf is an all-year around sport but the remain season is from October to May.
There are lessons from professionals available on all Lagos courses. Unlike in Britain, all of the Algarve´s courses are open for visitors. Most of them require a handicap certificate; all insist on a dress code and proper course etiquette.
Famous golf courts in the Lagos área are:
-Boavista: Boavista offers two distinct sections of play providing a variety of attractive and interesting holes. From the commencing welcoming first hole to the last putt on the 18th green it promises a sensible game for the average player. A meandering downhill par-4, 7th hole set against a glorious backdrop of the clear Atlantic ocean ,which is visible from most holes ,with exhilarating breathtaking views extending from Praia da Luz round to with the hills at Monchique creating a spectacular backdrop. The course is bordered by beautiful sub-tropical landscaping: Umbrella pines, blossoming almond, fig, palm and olive trees line the rolling fairways, weaving their way between water hazards and carefully placed bunkers. All this beauty leading to harmoniously designed properties, combined to make this course a delight for the golfer. Boavista has a large parking area were you can leave your rental car of Lagos car hire.
-Palmares Golf: This course is laid out on the side of a south-facing hill overlooking the Bay of Lagos. The course at Palmares Golf is one of great beauty, perfectly blending beach and mountain scenery. It is questionably the most attractive location of all the golf courses in the Algarve. The views as you play your round are quite breathtaking.
Palmares Golf has a large parking area were you can leave your rental car of car hire Lagos.