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Call us: 1-888-476-8737
Where you live is one factor that affects the cost of your auto insurance.
Generally speaking, drivers who live in a city pay higher auto insurance premiums than those who live in the suburbs. There are several reasons for this:
For tips on how to save on your insurance, read Tips to Save on Home and Auto Insurance Premiums.
To get an auto insurance quote, use our online quote request form or contact us.
Yes, you can still be sued, whether or not you have insurance. Without auto insurance, you would be personally responsible for the damages that you caused in an accident. Insurance covers these damages on your behalf, up to the limits outlined in your policy.
To make the right choices when buying auto insurance, read Choosing the Right Kind of Auto Insurance.
It depends on how much you increase them. The higher your deductible, the lower your premium.
If you choose Standard coverage, you can save hundreds of dollars on your auto insurance premium by increasing the Collision and Comprehensive deductibles.
To find out more about this topic, read The Impact of Your Deductible on your Premium.
Believe it or not, reducing your auto insurance premium is up to you.
Here are some tips:
To make the right choices when purchasing auto insurance, read Choosing the Right Kind of Auto Insurance.
Yes, it's the law.
Before you buy auto insurance, read our tips Compare and Choose Your Auto Insurance.
This coverage protects you if you're involved in an accident and you damage someone's property, or if you injure or kill someone. According to provincial law, you must have at least $200,000 in liability coverage, but most people choose a limit of $1,000,000 or $2,000,000.
This coverage protects you if you or someone in your family is injured or killed in an accident, whether it's your fault or not. It includes supplementary medical, rehabilitation, attendant care, caregiver, non-earner, and income replacement benefits.
This coverage protects you and your family if you're injured or killed by a hit-and-run driver, or by the driver of an uninsured or unidentified automobile.
It also covers your automobile and its contents for damage caused by an identified uninsured motorist, and it is subject to a deductible.
Note: In Alberta, this coverage is included within the Accident Benefits coverage.
Other coverage is optional, but is often required by insurers when you purchase or lease a vehicle. To find out more, read Choosing the Right Kind of Auto Insurance.
If you lend your car, you also lend your insurance. If anything happens, your friend will be covered under your auto insurance policy, as long as he or she has a valid driver's license and meets the other conditions of your policy.
If your friend is involved in an at-fault accident while driving your car, it could affect your premium.
If you lend your car to someone, remember that your auto insurance coverage may not apply if he or she does not have a valid driver's license.
Collision covers damage to your car that's caused when it tips over or collides with another object. For example, if you're driving in a parking lot and you hit another car or bump into a lamp post, or if a shopping cart hits your car, the resulting damage is covered by Collision.
For other damages not covered by Collision, your Comprehensive coverage takes over. Comprehensive covers glass breakage and damage caused by theft, vandalism, wind storm, hail, fire, or earthquakes.
When you purchase both Collision and Comprehensive coverage, you'll get the All Perils coverage, free of charge.
Uninsured Automobile coverage protects you and your family if you're injured or killed by a driver who is not insured, or by a hit-and-run driver. It also covers your car if it's damaged by a driver who's not insured.
Uninsured Automobile coverage is automatically included in your policy, while both Collision and Comprehensive are optional.
To find out which endorsements to include in your insurance policy, read Choosing the Right Kind of Auto Insurance.
Go immediately to your nearest dealer:
If you are covered by an Auto Insurance policy with us, simply show your auto insurance certificate to the retailer and they will contact us to process your claim.
Get an online auto insurance quote.
It's always best to repair a chipped windshield as soon as possible, before it develops into a nasty crack. While a chip can usually be fixed, a crack means you'll most likely have to get the glass replaced, or you'll be in danger of it shattering at any time, and causing far more serious damage.
If you have Comprehensive coverage, you're covered for most glass repairs, without having to pay a deductible. Many repair shops will even call your insurer for you, so all you have to do is get it fixed and drive away.
Whether or not the glass can be repaired instead of replaced depends on the size, location and severity of the damage. Most shops can repair quarter-sized chips or cracks up to three inches. However, if the damage is in the corner of the glass, it's far more difficult to repair, and it can compromise the strength of the glass. Anything from a small, flying object to a strong burst of wind could cause the glass to break, which could potentially lead to a crash.
If the damage is such that you have to get the glass replaced, you will be responsible for paying your deductible. So, before that chip gets any bigger than the head of a nail, look for your local glass repair shop and have a qualified glazer inspect the damage.
Comprehensive coverage is not mandatory, but is often required by insurers. To find out more, read Choosing the Right Kind of Auto Insurance.
Generally speaking, your premium will increase if you're at fault in an accident, regardless of whether you're entirely or partially at fault. Tickets and convictions can also affect your premium, depending on the type of offense.
The number of at-fault claims, as well as the number of convictions, and/or the type of conviction (such as impaired driving) that you receive may also impact your eligibility for insurance.
You can change your payment method through your online account, or by contacting us.
A police report is required for most home insurance claims.
As a policy holder, you are responsible for informing your insurer of any changes made to your vehicle and/or how it is used. This includes things like vehicle modifications, changes in vehicle use (for example, commercial use), the addition of newly licensed drivers to your household, a change of address, etc.
A vehicle modification includes:
Commercial use means any change in use where the insured vehicle is now used for commercial purposes. For example, if you recently became a painter and you started using your mini-van to carry your paint and equipment, this would be considered commercial use.
You should always notify your insurer when any material change, as outlined above, is made to your vehicle. The risk of this change will be re-evaluated and may result in a premium adjustment. If you make any of the changes described above but don't inform your insurer, the insurer can decide to deny your claim, and may even cancel or void your policy. For example, if you modify your vehicle to give it a turbocharged engine and you end up crashing, you'll most likely be refused coverage for violating your insurance contract.
Note: If your vehicle has been modified because of a medical condition, you should still notify your insurer.
Read other questions and answers about auto insurance.
Water damage insurance covers damages caused by surface or ground water.
Our basic coverage is $10,000; however, you can increase this amount for a higher premium.
To calculate how much insurance you really need, you should estimate the value of all your property and investments that could be damaged if you experience a loss.
Bear in mind that your insurance amount includes not only damage to your home and belongings, but also additional living expenses arising from the loss.
In some cases, $10,000 is plenty. In others, more coverage is definitely necessary.
If you're already a customer, contact us agent for helpful advice on water damage coverage. If not, request a home insurance quote. It's quick, easy and commitment free.
You can also request a quote over the phone simply by contacting us
A deductible is the amount you must pay when you make an insurance claim.
For example, if you have a $500 Collision deductible, you pay the first $500 of the vehicle repair costs, and we pay the rest.
If you make a claim, your claims advisor will need various documents, including:
If one of your appliances causes water damage or a fire, it's important for you to keep this appliance for assessment.
An inventory of your belongings could help prevent headaches in the event of a claim. To find out how to draw up an inventory, read Evaluating the Value of your Personal Belongings as Accurately as Possible.
If you need to file a claim following a loss, your insurer will require proof of the loss.
This term refers to proof of possession, ideally, the original bill of sale. Other documents, however, may be accepted, such as:
A Proof of Loss form must be certified by a notary public or commissioner of oaths. Once an insurer receives proof of loss, the claim must be processed quickly. Insurers have:
You can pay by:
Frost and the weight of ice or snow are just some of the factors that can damage your pool or spa.
By taking out a home insurance policy with us, you can supplement your basic insurance to cover:
Complete an online home insurance quote. It's quick, easy and commitment free.
You can also request a quote over the phone simply by contacting us.
If you experience a loss, take immediate steps to minimize the damage.
You can minimize the risk of experiencing such a loss. To find out more, read Tips on Preventing Home Insurance Claims.
If you're getting a chip repaired, you won't have to pay a deductible. In fact, your repair shop may even call us directly and take care of it all for you.
However, if you need to get glass replaced because of more serious damage, you will be subject to a deductible. So, it's a good idea to get those small chips repaired before they grow into a much bigger problem.
Read more about repairing vs. replacing glass.
Not only do you enjoy customized coverage for your car and home as a The Personal customer, you can manage your home and auto insurance online quickly and easily and benefit from a variety of assistance services 24/7.
Take charge of your insurance policy
You can use our Online Services to change your address or phone number, add a vehicle or a driver, or replace or store a vehicle. It only takes a few minutes and it's available whenever you are.
Your request is sent directly to an agent, who processes the changes and sends you the modified policy by mail.
Take advantage of our assistance services
Emergency service: You can contact a claims advisor or report a loss through our Online Services at any time of the day or night.
Identity theft assistance: We offer free access to advice on preventing identity theft and help in re-establishing your identity in case of need.
If you're already a customer but aren't registered for Online Services, you can create an account right now.
The PersonalP.O. Box 7065, Station AMississauga, Ontario L5A 4K7
The Personal was created in 1974, initiating the concept of group auto and home insurance in Canada.
If you're unsatisfied, please feel free to speak with one of our insurance agents or, if applicable, your claims advisor by calling 1-888-277-6481.
If you feel that additional steps should be taken, please contact our Customer Relationship Services department.
This site is unquestionably an excellent source of information on home and auto insurance. Visit our Frequently Asked Questions section to quickly find answers to your questions about home and auto insurance, claims, and our company.
You can send us an email for general requests, i.e., if you would like to:
You will receive a reply the next business day. Please provide as much information as possible in your email (e.g., your insurance policy number if your question concerns your policy). This will help us meet your needs more quickly.
You can call us regarding any specific matter concerning:
However you choose to contact us, we'll do everything in our power to provide you with all the information you need as quickly as possible.
There are administrative costs for the setting up and maintaining of your policy that are part of your annual premium. Rather than charging for these costs upfront when your policy is issued, we spread them over the term of the policy.
When a policy is cancelled mid-term, we have not recovered these costs in full, and the short rate cancellation is used to collect the remainder.
Please contact Technical Support at 1-866-944-4762 (Monday to Friday, 8 a.m. to 6 p.m. and Saturday, 8 a.m. - 2 p.m.).
If you cancel your policy at your renewal date, no fees are charged. Your policy will be cancelled on a pro rata basis.
However, if you need to cancel your policy during the term, the policy may be cancelled on a short rate basis, which includes additional administrative fees1.
1 A short rate cancellation refers to a policy that has been cancelled by you during the term of the policy, and that includes a recovery of some administrative costs charged for the time your policy has been active during the current term.
If you're an AccèsD member, you can benefit from Online Services directly from your AccèsD account—your one-stop resource for managing your home and auto insurance as well as your personal finances.
How to register:
The amount of the administrative fees depends on the number of days the policy has been active in the current term. In order to determine the amount of the fee, if applicable, please contact us and speak with an insurance agent.
All home and auto policyholders can use our Online Services.
All named policyholders can access Online Services for this contract. Each insured must register for online services with a separate email address and password. Each person will have individual access to the same policy.
To access Online Services, family members must create individual accounts with their own email address and password. The same email address cannot be used for different accounts. Only policyholders can access their policies through Online Services.
No more rummaging around for your insurance policy! Thanks to our Online Services, you can access your policies in just a few clicks whenever you choose.
You can also:
Our Online Services also include your communication history, where you can find all messages related to your account.
All online requests and transactions are automatically saved in your communication history. You can view message details and reply or add comments.
With Online Services you can:
You can file a claim online at any time of the day or night using our Online Services.
Go to the Claims section and complete the form. It will be transferred to a claims advisor, who will call you back for followup on the next business day.
Your Communication History is where you can find all messages related to your account.
All online requests and transactions are automatically saved in your Communication History.
Click on a specific message to view the details and any followup messages. You can also reply or add a comment to the last remark regarding the message.
If you're a tenant and you're moving to a new apartment, you can change your address entirely online using our Online Services.
Otherwise, you can start your change of address online and an agent will contact you afterwards for more information concerning your new home.
Please note that your change of address may affect your home or auto insurance premium.
You can view and modify your home and auto insurance policies online. This service is available only to personal insurance customers.
Post-dated policies are not accessible through Online Services until they come into effect.
Yes, the short rate tables are filed and approved with all of the provincial regulators.
Before cancelling your policy, we encourage you to speak with an agent to review your situation and determine if there are any other options we can offer you.
If the policy must be cancelled, the agent will be able to process your request over the phone. Alternatively, you may also request the cancellation of your policy by sending us a request in writing by mail or fax.
You can choose any day of the month (1st to the 31st).
Two ways to tell us your account or card number has changed:
To change your payment options or to cancel your authorization, please notify us at least 5 days before the next scheduled withdrawal.
You can use your invoice, credit card notice or pre-authorized payment agreement provided with your insurance documents as an official receipt for income tax purposes.
You can ask for an income tax receipt for a particular vehicle or location based on your insurance policy's reference year or policy term. We cannot provide documents adjusted for the period from January 1 to December 31.
Two ways to make a request:
* The reference year refers to the year indicated on your insurance policy. Please allow 10 days for us to process your request. You can ask to receive your tax receipt by mail, email or fax.
Only the bank account holder or the credit card holder can change the payment method. This person must also be named on the policy as an insured or other than insured.
In other situations, please call 1-888-277-6481 to speak to one of our P&C insurance agents. Our offices are open from Monday to Friday, 8:00 a.m. to 8:00 p.m. and Saturday, 8:00 a.m. to 4:00 p.m.
Unfortunately, we do not offer a monthly frequency.
The monthly payment plan is interest free.
You can update your credit card information by accessing your online account or by contacting Billing Services at 1-888-277-6481, Monday to Friday, 8 a.m. to 8 p.m. and Saturday, 8 a.m. to 4 p.m. EST. You must notify us at least 5 business days before the next scheduled payment date.
Please contact our Sales and Service Department for assistance at 1-888-476-8737, Monday to Friday, 8 a.m. to 8 p.m., Saturday, 8 a.m. to 4 p.m.
On your financial institution's website
If you want to pay more than one insurance policy, you can either change the reference number or add a separate bill payment. Allow 3 to 7 days for us to receive the payment.
Discover our Online Services!
Administrative fees may apply. Please contact Billing Services at 1-888-277-6481, Monday to Friday, 8 a.m. to 8 p.m. and Saturday, 8 a.m. to 4 p.m. EST.
The first withdrawal is equal to 2/12 of the annual premium. All subsequent withdrawals will be equal to 1/12 of the remaining annual premium.
We accept Visa and MasterCard.
An administrative fee may apply. By missing a payment or sending your payment late, you run the risk of a non-payment cancellation. Please contact Billing Services immediately at 1-888-277-6481, Monday to Friday, 8 a.m. to 8 p.m. and Saturday, 8 a.m. to 4 p.m. EST.
We do not offer a weekly or bi-weekly payment frequency.
Billing Services fax number is 1-877-456-0062.
Please contact Billing Services at 1-888-277-6481, Monday to Friday, 8 a.m. to 8 p.m. and Saturday, 8 a.m. to 4 p.m. EST.
Processing times vary from one financial institution to another. It can take some financial institutions up to five business days to process your payment through their system. Make your payment in plenty of time to meet your payment due date. Please ensure you use your policy number as your account/reference number.
You should tailor your home insurance policy to any change in your life. Update it regularly in order to:
Call an agent to discuss any changes that could affect your insurance premium:
Also take the opportunity to update your home inventory. In the event of a claim, you will have all the information you need about your current possessions.
To determine your home insurance needs, read Choosing the Right Kind of Home Insurance.
Yes, we can cover up to two roommates under the same home insurance policy.
However, if you and your spouse move in together, and you decide to share the apartment with another couple, each couple will need a separate home insurance policy.
To find out more about insuring an apartment, read Home Insurance Responsibilities for Renters and Owners.
One of the best ways to prevent a fire is to make sure that your smoke detectors are working properly. In fact, in 75% of fatal fires, smoke detectors were either not installed or not working properly.
To learn more about prevention, read Tips on Preventing Home Insurance Claims.
That's why home insurance is a must for all tenants. It provides liability insurance for damages that you cause to someone or something in your building, or to the building itself.
Without this coverage, you'll have to pay for the damages in full.
To better understand what your tenants insurance covers, read Home Insurance Responsibilities for Renters and Owners.
For more tips on how to save on your insurance, read Tips to Save on Home and Auto Insurance Premiums.
For information about purchasing, installing, maintaining, and safely operating wood-burning appliances, refer to A Guide to Residential Wood Heating, a document produced by the Canada Mortgage and Housing Corporation (CMHC).
Visit the info insurance website for specific fire prevention tips for wood stoves.
You should purchase enough coverage to protect all of your belongings, including your:
People often underestimate the value of their belongings. Make sure you have sufficient coverage for everything you own. To do this, you should first:
Take an inventory. This is the best way to determine the total value of your belongings.
Figure out how much it would cost to replace everything.
Decide how much home insurance you need.
To learn more about how to draw up a detailed inventory, read Evaluating the Value of your Personal Belongings as Accurately as Possible.
Our home insurance quote tool is designed to let you know what premium you would be paying and how much you could be saving. It's quick, easy and commitment free.
To get the most accurate quote possible, please answer all the questions; your answers to each one has an impact on the premium.
To save time, make sure you have the following information handy:
For owners
The reconstruction cost of your home
The year of construction of your home
The year the roof was renovated
The year the fuel-oil tank was installed or manufactured (if applicable)
The square footage
For tenants
An inventory of your belongings
Municipal waterworks can handle normal, or slightly above normal, water flow. However, sewers can back up following heavy precipitation, melting snow, a sudden thaw, a rise in the water table, or other unexpected weather conditions.
Fortunately, you can minimize the risk to your house or apartment by following these loss prevention tips:
A backwater valve that complies with your municipality's standards and bylaws will prevent sewage from backing up into your basement. The valve closes automatically if the sewer backs up.
Proper care of your plumbing system will significantly reduce the risk of sewer backup.
And of course, in the event of a loss, one of our claims advisors can help you deal with the emergency and start the claims process.
To find out more about the importance of protecting your apartment, read Home Insurance Responsibilities for Renters and Owners.
Complete an online home insurance quote. It's quick, easy and commitment free. You can also request a quote over the phone simply by contacting us.
Not Ready to Get a Quote Yet?


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HTC Sensation Chargers
It is quite a scary notion to have your cell phone die on you when you need it the most; therefore, the importance of taking into account your personal needs comes into play when picking out the right HTC Sensation 4G charger for yourself.Do you travel quite a bit? If you are a traveler, purchasing a travel HTC Sensation 4G charger can benefit you. You will not have to bring along the charger you have, and you can have one just for traveling. In case you ever forget your HTC Sensation 4G charger at any of your destinations, you will have an extra one. For precautions, it is always best to have a back up HTC Sensation 4G charger. Also, the HTC Sensation 4G chargers AccessoryGeeks carry are of the original brand, which can be trusted for its quality and validity. Are you in your car often? The HTC Sensation 4G car charger will be the best fit for you if you are constantly in your car. With life situations, you can never guess what is going to happen. If you are not home frequently, you will run into the day when your cell phone is dying, and you will need to charge it. This is when the HTC Sensation 4G car charger will come into play, and you will be glad that you had purchased it for your car. Do not take the risk of having your cell phone die on you at the most crucial times by not buying a HTC Sensation 4G car charger today! Do not pass up the competitive prices and free shipping at AccessoryGeeks! Find the right HTC Sensation 4G charger for yourself!
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subset: commoncrawl


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Personal Skincare Experiences by Matthew Malin, co-founder of MALIN+GOETZ: As some of you know, I suffer from a variety of skin concerns including rosacea, eczema, seborrhea and fragrance allergies. I've been making frequent trips to the dermatologist's office since my teens and have tried almost every cream, treatment, and Rx out there. What I've learned after a lot of trial and error: there is no permanent cure for my skin conditions. But I can find relief by using the right products and ingredients. This discovery actually inspired me and my partner, Andrew Goetz, to create MALIN+GOETZ. Our mission is simple: to make skincare easy and less complicated, and most importantly, to address irritated and sensitive skin needs. It's our goal at MALIN+GOETZ to offer you highly-effective daily use treatments that won't irritate or exacerbate your skin, and complement your prescription skincare routine and procedures, if you're seeking the care of a dermatologist. While I'm not a medical professional, I'm often asked for advice by fans of our products about how I cope and care for my skin. So I've decided to share some of my personal experiences and research here with you in the hopes that they might bring you some relief and address your top questions. (Please note: We are not making medical suggestions or claims and suggest that you consult a dermatologist about any health issues you might have before making changes to your skincare routine, should you be concerned.)
We know this as a common and often genetic inflammatory skin disorder that affects the scalp, face, and body and is characterized by scaly, flaky, itchy and red patches. It often strikes where the skin produces oil: on the scalp, eyebrows, eyelids, creases of the nose, behind and in the external skin of the ears, and the folds on the center of the body, like the chest or back.
The causes aren't completely known but professionals believe that seborrhea can be brought on by an over-production of skin oil and irritation to a form of yeast, called malessizia, naturally found in the skin. It's a chronic condition that can be managed but often flares up in response to stress, fatigue, and extremes in the weather.
Soothing the symptoms above isn't easy! I've had luck avoiding heavy moisturizers and pore-clogging oils and sticking with fatty acid-based botanical lotions, which seem to absorb better and clear up the redness and itch right away.
I do find that some limited sun exposure (no, we're not advocating baking in the sun without SPF!) can help clear up my chest and back while swimming in the ocean is great for my skin in general. However, working out can be a challenge—sweat makes seborrhea worse, especially in the summer (in New York!) where it never ends. I wash with our Grapefruit Face Cleanser and Eucalyptus Body Wash since both are hydrating and naturally anti-bacterial. Also, our oil-free, fatty acid Vitamin E Face Moisturizer , or SPF 15 Face Moisturizer, lightly replenishes my skin as a follow-up, so, I can sport a light cotton shirt and stay as cool as possible. Phew. The most important part of my routine is simply to keep my skin clean. I wash every morning and evening with our Grapefruit Face Cleanser —I find that this brings clarity and evenness to my tone. The seborrhea is not gone, but tolerable.
Dandruff or medicated shampoos: Over-the-counter options may contain salicylic acid, coal tar, zinc, resorcin, ketoconazole, or selenium, while stronger prescription ones usually have elenium, ketoconazole, or corticosteroids to loosen scales on the scalp. It's best to scrub the shampoo in for at least 5 minutes and rinse thoroughly (but always check the package directions). I have tried most, and, find that my scalp responds well to zinc and salicylic acid. However, our Peppermint Shampoo, messaged in well and rinsed, daily, is also effective. I towel dry my hair and apply a little oil-free Cilantro Conditioner as a leave-in on my scalp and any affected areas. It soothes and hydrates without any irritation. Overall, I've found that the key to success is to keep my hair short and clean, and free of styling products as they often inflame my scalp. ----- For more information on skin conditions, please visit American Academy of Dermatology at http://www.aad.org/


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Turner looks to Claude Lorrain, the great artistic model of seventeenth-century Classical landscape painting, for his composition of Crossing the brook. Devices include framing trees to left and right, while Turner also uses light to lead the eye through a curving central valley until it meets a limpid white sky, which dissipates upwards into palest blue. Dark planes intersect in the foreground across the front of the water, down through the foliage and tunnel path on the right. A spotlight picks out three figures who ford the brook: one girl has waded across, then looks back to her dog in midstream. The animal helps by carrying her basket, while another young woman prepares on the far bank by removing her shoes and tucking up her dress.
Further along the valley are an aqueduct and large waterwheel. We are not in the Roman campagna, however, but rather in an equivocal English Arcadia. The brook leads into the River Tamar, which divides Devon from Cornwall, while the arches belong to Calstock Bridge. The wheel drives water for a clay pit: this is modern Britain at the end of the Napoleonic wars. War with France has lasted more than twenty years; Britain is all but bankrupt, and appears to be on the verge of revolution. Turner, always a history painter, manages to meld a Classical manner with a contemporary subject. Rural England now includes industry and urbanisation, implying a new vision of beauty.
Between 1811 and 1814 Turner made three journeys into the West Country. These were extended summer tours, primarily to make watercolours for an engraving commission, Picturesque views of the south coast of England, which was published in sixteen parts from 1814 to 1826. In his last trip in 1814 Turner 'sketched around the River Tamar, making studies of the river valley at Gunnislake and Calstock'.1
The artist exhibited two large oils, Crossing the brook and Dido building Carthage, at the Royal Academy in 1815. Despite the different scale of ambition that seems to mark their titles and subjects, an idyllic English scene could also be a grand history painting, to be shown at the season which marked Britain's final victory over Napoleon. The large vertical landscape was well received, and praised by most. Not everyone liked it, however: Sir George Beaumont, the artist's enemy, characterised it as 'weak and like the work of an Old man, one who had no longer saw or felt colour properly; it was all of peagreen insipidity'.2Contemporary viewers may disagree with his sour verdict. Crossing the brook is a masterpiece of nineteenth-century landscape, which encapsulates local and national views of ideal Classical painting. It presents these views in a grand yet succinct form. In 1815 Turner summed up the hopes of a war-weary Britain in this naturalised Claudean landscape of observed incident and eternal pleasure.
Christine Dixon
1 James Hamilton, Turner: a life, London: Hodder and Stoughton, 1997 p. 168.
2 Kathryn Cave (ed.), The diary of Joseph Farington: volume XIII – January 1814 – December 1815, New Haven: Yale University Press, 1984, p. 4638, quoted in David Blayney Brown, The art of J. M. W. Turner, Secaucus: Wellfleet Press, 1990, p. 128.


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Have you ever wondered what it be like to have the sleek design of European tail lights in the USA? Well look no further than Spyder Autos 1999-2004 Volkswagen Golf. Crafted with a distinctive look in mind, these one of a kind tail lights will definitely set you apart from the masses. This tail light housing reuses your stock bulbs for a quick and easy installation. This item comes in a Black or Chrome housing. All of our tail lights are made by OEM approved and ISO certified materials.
* Special Return Policy on all SPYDER products. All returns must be requested within 30 days of delivery, PER SPYDER. Please be aware that LMPerformance has no control over SPYDER's return policy.
History and information about Spyder and their products.
LMPerformance is please to offer products from Spyder Auto a leading providers of aftermarket lighting, tuning and styling auto parts in the U.S. Check out LMPerformance's extensive line of Spyder Auto parts including: Projector headlights, L.E.D tail lights, Header, Cat-back exhaust, Mufflers, Intake system, Filters, Racing seat, Sport Mirrors, Spoilers, and Front Grills. More examples are Antennas, Bull Bars, Bumpers, Cold Air Kits, Door Handles, Dress Up Items, Fender Vents, Fuel Doors, Guage Pods, Grills, Hood Scoops, Light Trim, Lights, Light Covers, Mirror Parts, Rear Roof Spoilers, Rear Wings, Shock Tower Braces, Side Skirts and Side Steps. We are constantly expanding our application line to provide the latest products that this industry has to offer. Customize your vehicle according to your style and preference.
The quality lighting products offered by Spyder Auto are compliant with all applicable federal regulations. Unless otherwise noted, all products are D.O.T. Compliant and satisfy Federal Motor Vehicle Safety Standards (FMVSS) code no. 108 and are not only ISO-9000 certified but also ISO-9002 certified as well. As further proof of regulation compliance, their products are also approved by the Society of Automotive Engine (SAE). State and local laws may vary
The Spyder Auto Group has been serving the auto industry for nearly a decade. Their 140,000sqft corporate headquarters is located in the City of Industry, California.
Warranty: Spyder Auto offers a 90 day exchange policy for all defective products.
Spyders Return policy is only good for 14 days after the item is received. Spyder does not allow returns of any kind after 14 days unless its an exchange for a warranty issue. Spyder charges a restock Fee for all returns.
HEADLIGHT INSTALLATION NOTES: When installing headlights please put a bead of silicone around the seems of the headlights to prevent leaking or moisture getting into the housing. For moisture or water leak inside the Head Lamps or Tail Lamps, Please double check that all blub sockets are correctly plugged in and as well as the seal around the housing. This problem can be repaired simply by reheating the seals with a heat gun or applying a new layer of silicon sealant around the edges of the housing.
The ability to change and adapt in an ever changing and demanding market like the aftermarket performance industry is a necessary ingredient if a company wants to be successful and SPYDER AUTO has certainly been successful, winning two awards at the SEMA show competing against a total of two thousand styles. SPYDER was able to accomplish this because they are concerned about their customers and know their customers are the key to success and for this reason they are constantly looking at ways to aggrandize their product line so that you can customize you vehicle just the way you want They use in house visual graphic design teams, professional photographers and website developers in order to create product images and to ensure sui generis products that will not only be aesthetically appealing but durable as well. And if you are thinking about headlights why not consider projector headlights that can give a more focused beam, are much more stylish, improved lens positioning that helps in night driving and take a look at the potpourri of projector head lights on the LMPERFORMANCE web site by SPYDER and see what we mean. You will find parts like the Sport Model projector headlights for your Dodge Ram 1999-2001 that you are restoring or upgrading to give your truck a classy look and will provide better illumination as well and the choice is up to you because you can have them in either chrome or black.
Reviews for Spyder ALT-YD-VG99-BK (the item on this page) are show below.
Total Reviews for this product: 0
(Be the first to comment about this product)
Reviews for Spyder's Other products are show below.
Current Mods:
Car of awesomeness
Current Mods:
Blacked out all chrome parts.
Current Mods:
these headlights, spyder led smoked taillights, levling kit, 35s,single inlet to dual outlet flowmaster super 44 with no tailpipes after muffler only two turndown tips i got fox 2.0 performance series racing shocks in rear and pro comp es9000s in the front
These are parts that other customers have purchased while purchasing the product on this page.
Below are other popular parts other customers have purchased for their Volkswagen Golf, Golf GTI.
Your recently viewed car parts.
* Shipping/Product Notes: Please note FREE Shipping refers to shipping within the contiguous continental US. All other locations extra. If your order will be delayed, you will be notified via email the estimated shipping date. Please note that we try to have every picture of every part number however some pictures may be representations. If you have any questions please call or contact us for clarification. For Example: Parts such as our clutch kit stages use the same pictures.


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tall, medium tan complexion, handsome; known for making beautiful girls fall in love by one touch from his juicy lips
When chacko enters a club, the music stop and the girls get wet between the legs and begs for a kiss on his lips. Also, smooookin hot!!! caliente style
by pimp of the year June 09, 2003
a socially retarded dipshit who thinks everyone everyone loves them and/or thinks all the ladies want the small package in his pants. Oblivious to many unattractive qualities on own face/body.
Josh: HEY BECKY. *staring at tits*
Becca: hi josh...
Becca: Josh is such an ugly fucking chacko
Becca: hi josh...
by Oteca October 01, 2010


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Prices and availability are subject to change from the time and date that you print this page.
5/30/2017 5:39:31 AM. For Customer Service, please call 800.933.9904
While we don't recommend taking this wood stacking boat out on a fishing trip, we think that it will provide hours of fun for your little one. Hand sanded and hand finished, this set of blocks makes a special gift for a boy or girl.
Rainboat Wood Stacking Boat 11"Wx6"Dx11"H
Details, details
- Made by Grimm's, who believe creativity develops the imagination and free spirit
- Waldorf education inspired
- Each piece is hand-finished and hand sanded so there are no sharp edges or corners
- Can be stacked together perfectly to make a boat "sailing" across the water
- A quality product meant to be loved and passed down through generations
- Can be used as a stacker or as bulding blocks, for open-ended play
Show 'em what you're made of
- Linden and beech woods
- Non-toxic water based dyes and natural oils
Age range
- 12 mos. and up
Overall DimensionsWidth: 11" Depth: 6" Height: 11"
At The Land of Nod, nothing is more important to us than providing safe, high-quality products to you and your family. We believe that kids' products should be able to handle everything kids throw their way (literally and figuratively). That's why all of our products have an 18-year quality guarantee. And, hopefully, your kids will no longer be sleeping in bunk beds by then.
Who's there?
Radio who?
Radio not, here I come!
Our Designers Recommend
Rainbow Stacker $49.00
Sort it Out $32.00
Classic Baby Beads $16.00
Bucket O' Blocks (Bright) $99.00


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For any questions related to Cvent, feel free to contact our Customer Care team.
Welcome to Comte de Tallaferro. The hotel offers superior comforts and new and tastefully furnished and a constant commitment and attentive to customers, ensuring the utmost care and attention to every detail. For business travelers, we provide meeting facilities for social and business functions. ...
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2017 Long Range Weather Forecast for Guelph, ON
Buy the Complete Long Range Weather (Nov. 2016 - Oct. 2017)
Complete 2017 Long Range Weather Forecast for the Southern Ontario Region, November 2016 to October 2017 includes week-by-week details. Instant access via digital download!
Search for Other Locations
How to Read Long-Range Weather Forecasts
Long-range predictions show weather trends in temperatures and precipitation. For example, will the winter be colder or warmer than average? Will there be more or less snow than what's typical for your area? Our famous predictions (traditionally 80% accurate) are made 18 months in advance, and meant to help you make more informed decisions for long-term planning.
Here on Almanac.com, we provide free long-range forecasts for the next 30 to 60 days covering U.S. and Canadian regions. Find all 12 months of predictions in the annual Old Farmer's Almanac.
Free 2-Month Weather Forecast
MAY 2017: temperature 13.5°C (1°C above avg.); precipitation 25mm (40mm below avg.); May 1-11: A few showers, cool, then warm; May 12-21: Sunny, warm; May 22-31: Showers, cool, then warm.
JUNE 2017: temperature 16.5°C (1°C below avg.); precipitation 90mm (10mm above avg.); Jun 1-8: Showers, cool; Jun 9-14: A few showers, warm; Jun 15-24: Showers, cool east; sunny, warm west; Jun 25-30: A few showers, warm, then cool.
Annual Weather Summary: November 2016 to October 2017
Winter will be colder than normal, with above-normal precipitation and snowfall. The coldest periods will be in early to mid-January, late January, and late February, with the snowiest periods in mid- and late December, early January, and mid-February.
April and May will be drier than normal, with near-normal temperatures.
Summer will be cooler than normal, with rainfall above normal, except in eastern Ontario. The hottest periods will be in mid-July and mid-August.
September and October will be cooler than normal, with near-normal precipitation.
About the Southern Ontario Region
The Southern Ontario long range weather region includes all or part of the following provinces: ONTARIO (Alliston, Amherstburg, Barrie, Bolton, Bradford, Brantford, Chatham, Cobourg, Collingwood, Elliot Lake, Fergus, Fort Erie, Georgetown, Guelph, Haileybury, Hamilton, Ingersoll, Kenora, Kitchener, Leamington, Lindsay, Lindsay, London, Midland, Milton, North Bay, Orangeville, Orillia, Oshawa, Owen Sound, Paris, Peterborough, Port Hope, Sarnia, Simcoe, Stouffville, Stratford, Strathroy, Sudbury, Thunder Bay, Tillsonburg, Timmins, Toronto, Uxbridge, Wallaceburg, Windsor, Woodstock).
Southern Ontario Neighboring Regions
Here are the regions that neighbor the Southern Ontario long range weather region:


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KLM Local Eyes: your local travel guide
16 December 2013 | Love to fill your next trip with unique discoveries? Local KLM employees now share with you their personal recommendations in cities all over the world.
Where to go, eat and stay today
The days of wandering around a foreign city with a guide book in hand are long gone… Most people now look online for the latest tips for their next destination.
In line with this trend, our local KLM colleagues around the world now share their extensive knowledge of their hometowns through a new KLM twitter account. Taking weekly turns, they shed light on what's best in town - from an honest rating of major attractions to little discoveries that will delight you.
As a bonus, they also offer interesting insights into local customs and behaviour.
Follow @KLM_LocalEyes or go to KLM.com/localeyes
For the best restaurants, places to sleep, coffee bars and special expositions – in a weekly alternating city - just follow @KLM_LocalEyes on Twitter. All tips and photos are shown on a digital city map that can be used online while travelling.
Naturally, we kicked off with our hometown Amsterdam!
Not on twitter? Via the website KLM.com/localeyes the tips are also available.


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M Sleeves
Measurements & Sizes
|US Women
|5 – 7½
|8½ – 10
|10½ – 14
|US Men
|3½ – 6
|7 – 8½
|9 – 12
|35 – 38
|39 – 42
|UK Women
|2½ – 5
|6 – 7½
|8 – 11½
|UK Men
|3 – 5½
|6½ – 8
|8½ – 12
|Sizes are approximate. See the Sizing Tips tab on a product's page for detailed fit information about that product.
Most of the styles we offer are labeled "one size fits most", as this is often the only option available to us from our suppliers. Please see the Sizing Tips tab on a product's page for detailed fit information about that product.
Each style is listed with the label's sizing, supplemented by our own experience in testing the socks, if we find that extra information to be useful or different from the label. We encourage you to drop us a line with your measurements if you're having trouble figuring out what will work best for you. Check out this Sock Journal post for tips on which measurements we need!
Sock sizing is an odd thing, and after all these years, we still don't have it fully figured out… When a label says "size 9-11", it doesn't necessarily mean shoe size. This range is typically intended to fit US women's shoe sizes 4-11 or something close to that, but we all know that isn't always true! Then there's the labeling that covers your height and weight, but everybody's weight is distributed differently, so this is not much help either. Unfortunately, we have found it very difficult to find socks or stockings that stretch over 23 inches, even when custom made (although many of our Dreamer Socks will now fit beyond that!). Cotton is easiest to stretch and can be further loosened by wetting the fabric and pulling the tops occasionally as they dry.
Kids Sizes: This is a newer area for us, and there is limited information about whom these smaller socks are meant to fit. Feel free to give us your feedback based on personal experience or working knowledge, and we'll continue to upgrade this growing section!
Smaller Feet: Feet smaller than about a women's size 7 can find the average sock to be too loose, but they often fit into kids sizes. We've had many of our house brand DreaM Stockings made in smaller versions to fit the petite-footed among us. (We also have options for Larger Feet, as well as a category for Tube-Style socks that will fit any size foot!)
Men's Sizes: A size larger than the standard women's range, these are usually labeled for men's shoe size 10-13 and often fit men's U.S. shoe sizes 8-12 best. (When converting women's sizes to men's, just subtract two, e.g. women's 11 = men's 9).
Plus Size: This is generally a larger version of the industry standard "one size". Keep in mind that every person is shaped differently, and that will affect your results with fit more than any weight limit. Our best advice is to try things out, measure your legs, read the sizing tips on the product, and keep your expectations as realistic as possible. We strive to provide accurate sizing information for each and every style listed on our website– just scroll down to the "Sizing Tips" section of any product page to see information from our own in-house tests.
If you need to convert shoe sizes, we have a post in the Sock Journal all about Sock Math! And as always, if you have questions about a specific style, please feel free to contact us, and we'll do our best to answer based on our own personal experience and the feedback we've received from other customers.
Machine or hand wash in cold to cool water, tumble dry low or hang dry.
Stretch circumference: 17 inches at cuff
Length, end to end: 16 inches, unstretched
All measurements are approximate and updated as often as possible, as new batches arrive. Length is measured upon receiving, before the sock is worn or stretched on a leg. Please contact us before placing an order if you have questions or would like help with sizing.
If the cuff feels tight, try wearing the looser end at your elbow.


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Kim Rogers® Silver Plated 32 Inch Open Link Necklace
$13.00 Original Price $26.00
Savings: $13.00 (50%)
A wonderful fall fashion silver plated open link necklace in 32 Inches.
- Belk Exclusive
- Imported
Shipping & Returns
Shipping your purchase is easy on belk.com. Depending on the destination of your package, you can expect it to arrive within 4-7 business days. Shipping Information
Returns are easy on belk.com. Easy returns
Kim Rogers® is a classic lifestyle brand for the everyday woman ranging from casual classics, must-have basics and classy career wear. Versatile wardrobe options help balance the hectic demands of work and home.


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Daniel Ricciardo Wall Mural Wallpaper
Stunning Daniel Ricciardo wall mural from Wallsauce. This high quality Daniel Ricciardo wallpaper is custom made to your dimensions. Easy to order and install plus FREE UK delivery within 5 working days.
Stunning Daniel Ricciardo wall mural from Wallsauce. This high quality Daniel Ricciardo wallpaper is custom made to your dimensions. Easy to order and install plus FREE UK delivery within 5 working days.
Availability: Made to measure
Delivery: 3 to 5 working days*
Product Type: Wall Mural
Product Code: 1031/041586-1
Rated 4.8 from 403 reviews.
This Wall Mural - Daniel Ricciardo
If you're a real petrolhead or fan of Formula One then liven up your room with an amazing wall mural from our Darren Heath collection. Darren Heath is one of the sport's leading photographers who's work features in leading F1 and other motorsport magazines, national newspapers and in publications from many of the sports' major sponsors.
We'll be adding new Formula One wallpaper mural images on a regular basis. All our wall murals are'made-to-measure' and printed to the size you need, so all you need to do is enter your own wall dimensions and we'll calculate the price for you on screen.
Ordering Is Easy
If there is any specific artwork relating to Darren Heath's Formula One wall mural photography that you would like to ask us about then we'd love to hear from you. We have a wide library of assets from all the series that we can use. Simply call us On Tel 01772 284110 or Freephone 0800 009 8051 or via our contact form.
Delivery is 3 to 5 working days for UK deliveries.
All orders are normally delivered within 3 to 5 working days.
Free delivery is on all orders above £80.
For orders less than £80 a delivery charge of £10 applies.
More details on shipping can be found on the delivery options page.
Wall murals are a great way to completely transform the look and feel of your room, quickly and easily. For ease, we recommend having 2 people to install the mural on your wall, so with the help of a friend over a couple of hours, transforming your room is simple.
Materials: Our wall murals are very easy to install and come in a choice of 3 high quality materials. For more details on each material, just click the link.
With every wall mural order, you will receive a job sheet showing a picture of your wall mural with all the drops/panels displayed plus, a printed installation guide with instructions on how to install your mural.
If you've misplaced your guide or wish to read the install instructions, click the relevant link below.
Classic & Premium 'Paste the Wall' Wallpaper Mural
Peel & Stick (Self-Adhesive Fabric Wall Mural)
If you have any questions about installing your mural, please get in touch!
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