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Good morning all. There have been a bunch of news nuggets in MLS and American soccer and SBI hasn't been able to get to all of them, so here is a rundown of some of the better tidbits to emerge in recent days:
Friedel signs extension– Blackburn goalkeeper Brad Friedel will have a little more time to hone that British accent. The former U.S. national team star has signed a contract extension that will keep him at Blackburn through the 2009/2010 season. At that rate, Friedel would leave England at age 38. Yes Crew fans, you can start the countdown now.
Pickens joins QPR. My boy Luis Arroyave reported on Monday that former Chicago Fire goalkeeper Matt Pickens has signed with English First Division club Queens Park Rangers. The move was a case of one keeper's misfortune turning into another's opportunitity. Queens Park Rangers had lined up a bid for Jamaican international goalkeeper Donovan Ricketts but Ricketts was denied a work permit. Wondering how Pickens secured a work permit? More on that later today.
U.S. to play qualifier at Home Depot Center. The U.S. national team will play its first World Cup qualifier this year at Home Depot Center in Carson, California on June 15 against the winner of the Barbados/Dominica series. The Americans will face the Barbados/Dominica winner in a home-and-home series, with the winner set to play in a group that should include Cuba, Guatemala and Trinidad & Tobago.
Babayaro trains with LA. The long-rumored Celestine Babayaro to LA move is a done deal and the only thing holding up a formal announcement is Babayaro receiving his work permit. The former Newcastle defender trained with the Galaxy on Monday. There's no word on just how much he will make.
Chivas USA signs Wicky. Chivas USA landed veteran Swiss midfielder Raphael Wicky, a World Cup veteran with 70 appearances for Switzerland. Capable of playing in central midfield and on the left flank, Wicky joins Alecko Eskandarian and Jim Curtin among the Goats' off-season acquisitions.
Crew eyeing Ricken. The Columbus Dispatch's Shawn Mitchell reported that German World Cup veteran Lars Ricken is set to join Columbus in pre-season training in Florida.
Matt Mathai
Love the snarky comment about the accent. It's true, Friedel has about the worst adopted English accent I've heard. It's clearly in a transitional phase, so a contract extension is really the best thing for everyone.
Ed Ho
This all looks like good news. Nice to see Friedel still considered a class keeper by a top half EPL side. And, MLS adding some depth never hurts – although the Lars Ricken situation may not work out well IMO, if he is already semi-retired, will the effort be there?
BTW – anyone have more detail on where Babayaro is currently playing? I'm assuming he's not currently on Newcastle's roster.
Anybody else have a lot of trouble getting to the Columbus Dispatch Crew blog? About 4 of every 5 times I go to it their "server is taking too long to respond."
Ossington Mental Youth
Wicky is a great grab for Chivas and is defo going to contribute to the midfield.
Lars Ricken…not so much.
Ah Columbus…
Tony in Quakeland
The UK's work permit process is broken. Any combination of circumstances that gives Pickens a permit and denies one to Guzan is plain silly. It's an empty political gesture appealing to a xenophobic instinct to protect "the English game." The braying of morons.
There has to be more out there than Lars Ricken! Unless they pull off a big surprise signing it's going to be a long year for us Columbus fans.
Rumor is that Pickens' wife is French, qualifying him for a passport from an EU country and circumventing the whole UK work permit issue.
If anything, it's Guzan's fault for not marrying a European national. He knows the rules, so don't whine about it.
I heard that Pickens can qualify for a UK work permit because he is a college graduate.
I went on internship in England while working on my Master's here in the US and it took 2 months to get the work permit sorted. It sucked, and it wasn't as big a deal for me as it is for their careers.
QPR is going to be a big club. Good place for Pickens to go…
Not trying to scoop Ives but I heard the Pickens situation involves in some way the fact that he has a college degree.
dangit landis, beat me to it
I think Ricken would be a steal. His biggest issue has always been injury, and whether or not his knees will hold up. But before injury set in, he was in the mold of a Bastian Schweinsteiger. Could play all across midfield and up top if necessary. Sigi once again has worked the German contacts
Guys, Pickens work permit has nothing to do with a college degree.
EdHo, Friedel is considered an elite goalkeeper by almost every club, one would think.
Steve the Arsonist
Pickens can score an English work permit because he recently married his French girlfriend and so has access to EU passport benefits through the wife.
Bummer for the Fire-Good Luck Slim.
Steve the Arsonist
Pickens can score an English work permit because he recently married his French girlfriend and so has access to EU passport benefits through the wife.
I think that's what Ives is referring to in the "More on that later today." line. (Sorry Ives, the kids wanted to know now.)
Bummer for the Fire-Good Luck Slim.
Tony in Quakeland
Guys: Regardless of the mechanism whereby Pickens gets a permit, the point remains the same: a system that grants access to Pickens and denies the clearly far superior Guzan is ridiculous. It hurts the quality of the game in the UK, and indirectly hurts English players by reducing the level of competition they face. It shows the whole process to be a ridiculous joke.
chesterton chris
It's funny how people think national labor laws of a country only revolve around soccer. laws are in place mostly for the thousands of foreign workers that come into a country. soccer covers the hundreds. So, if a guy can get a passport because his wife is a foreign national, it would be the same if an american brought his french wife over and got her a green card so she could be employed long term.
Guzan lost out because of the law. Pickens won out because of the law. The law doesn't care if Guzan is better. The law cares that he doesn't meet the requirements for employment. Now, if he were a computer engineer in a needed field in UK….so, Guzan should have gotten a bs in cs so he could work on the aston villa web page 🙂 and play goal.
Mr. Conflict if Interest
Ives, why don't you look into who Wicky's agent is and why he was allowed to be an asst coach at the combines…
Tony in Quakeland
The law in this case provides for an appeal process where subjective criteria are applied.
That aside, the law is also full of exceptions. Countries provide artistic visas, for example, all the time because the general culture of the nation benefits by people bringing their work and vision.
If you don't think there is an enormous political component, filled with typical English xenophobia, when it comes to soccer visas and the decisions of the appeal process, then you are being naive.
how could they deny Donovan Ricketts a permit is he has already played in England and has played a lot of games for the Jamaican NT?
Thank you CC. The work permit laws, for the millionth time, are national laws, not English soccer rules. And there is ZERO evidence that the supposed college loophole actually exists. I'll believe it when I see someone use it and say "that's how I got here."
Tony, your logic doesn't add up to me. As was said, Pickens got the work permit via his spouse, so the FA had nothing to do with his ability to make the jump as I understand. NONE. Now, you mention that exceptions can be made, and claim that Guzan should have been one of those exceptions. Why? I love Guzan's potential, but at this rate, in the soccer world, he is an unknown name. If ricketts, who is much more known, didn't get in through appeal, what case can you make for Guzan? Plus, your damning the same appeal process that let Dempsey in, aren't you? Dempsey didn't meet all of the requirements needed to get a work permit, and his case was appealed, which was later accepted.
QPR is a Coca Cola Championship team, not first division.
I heard that Pickens' work permit was granted because he regularly watches British TV shows.
Why is it that people are stating that the law is the law, and that there is no bias or politics involved when getting a work permit on one hand, and then on the other hand talking about the very vague and seemingly nonsensical process by which an "exception" is made. Also, if it's just the law, why does the appeal work so much when nothing changes?
Celestine Babyaro was formerly a cartoon character before signing with the LA Galaxy. I love that name! Doesn't it sound like an old time cartoon character? Remember that episode of Yogi Bear and Babayaro stealing a picnic basket?
Alright, alright! I'm just kidding. In answer to the question asked about who he last played for, the answer is Newcastle. What seems kind of disturbing is that he is injury prone and less than two months ago was released by mutual agreement from his contract because of this problem. Is he now magically better, or are the Galaxy just looking for another big name player? Obviously him and Ruud Gullit know each other from when they were together at Chelsea.
Pickens got the work permit because his great, great, great, great Grandfather Charles Pickens was a famous British author.
Tony in Quakeland
The process is ridiculous. It sets an arbitrary criteria (75% of national team games, which can let in the best defensive mid for the Faeroe Islands, but possibly exclude the third best striker for Argentina.) Next, it opens up an appeal process that then makes a SUBJECTIVE judgement about the players talent.
So my points are two:
First, people here saying "it's the law" and claiming it is an objective process are ignoring the extremely subjective appeals process. Simply put, the existence of the appeal process and its qualitative criteria undercuts the "it's the law" stance a few people took here. It's not. Your Dempsey example illustrates my point – the subjective judgement of the appeal went Dempsey's way here, but against Guzan this time. Why? Because it's a subjective call.
Point two: look at the end result. Put aside the stated criteria. The end result is that a far better goalkeeper was excluded than the one who was permitted. Yes, Pickens benefited from a loophole. But the end result is that the game in England lost out on quality. If a protectionist mechanism actually lessens the quality of the product on the field, I think you can say it's not working.
Joseph D'Hippolito
Aristotle, the Gals are desperate for experienced defenders. Remember, they not only traded away Marshall, Dunivant, Albright and Ihemelu (one of the better backlines in the league, btw) but also forced a career midfielder (Klein) into the right-back spot late in his career and signed a player just coming off an 18-month suspension for steroid use! (Xavier)
The people running the Gals (Leiweke, Lalas, Bravo, Gullit) are idiots. They've committed half of their salary cap to three players! I don't buy this nonsense that all the MLS has to do is raise the salary cap to please the Gals. Chivas USA was $1 million under the cap and fields an MLS Cup contender. Houston and New England are under the cap and field contenders. The Gals are just congenital idiots. Their front-office should compete in the Special Olympics.
I couldn't agree more. I could not believe that blame was being piled on Yallop for so many problems. I was surprised at some of the poor decisions made by Yallop while he was with the Galaxy, but considering his track record when he was not in that nut house, I think it was more the environment and front office that caused his so called bad decisions. Like the ridiculous pressure to play Beckham when he wasn't ready which ruined the whole season. The real problems lie with the jokers in the front office. I am absolutely astonished at how many teams Alexi Lalas is trashing and still getting hired. The funny thing is I thought Lalas was the best soccer personality in American soccer when he did his brief show for MLS. Here we are desperate for good American soccer TV personalities, and he's wasting that talent to be the village idiot of front office soccer management! He needs to be true to himself. He is not a shirt. He's a soccer rock and roll guy.
Maybe when Babayaro provides company for Beckham on the bench while their both injured again this season, someone will finally clear out the Galaxy's front office!
Congrats Ives,
Yesterday, Fox Soccer Report mentioned your site breaking the Pickens to QPR news.
To bad Luis in chicago broke the news first
I'm pretty sure that Friedel is 58 years old.


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- 9 total posts
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Reviews & Stories
Botox - St. Petersburg, FL
Dr Rehnke is wonderful at injections. The only problem is he is so good it's hard to get an appointment with him. Another disappointment is he does not offer juvaderm for the eye hollows. I think he would be wonderful at it, when I asked why he does not do it he says it's because the results don't always turn out the way they are supposed to. Props to him for being honest. READ MORE
He Can't Be Trusted with a Needle, Don't Go to Him for a Knife Procedure - St. Petersburg, FL
I went in with a groupon, which was probably my first mistake. Upon entering the room, a nurse asked me what I wanted done. I told her the furrows between the eye and then I explicitly I told her I liked my high arches and had a previous bad experience with getting botox in the forehead region and my eyes dropping but I was assured since I was not getting injections in my forehead all would be... READ MORE
Restylane - Saint Petersburg, FL
I visited Dr. Kass for my yearly followup/ injection of Restylane for my eye hollows & nasal labial folds. After a brief consultation I informed him that I wanted to have the corners of my mouth upturned so I did not look like I was frowning all the time. He injected both sides of the mouth, moved up to the folds and lastly did the eyes hollows. After I returned home from the procedure... READ MORE
Recent comments from Foreveryoungstpete
Go to Tampa Vein and Cosmetic Center. They are Pros and VERY NICE. READ COMMENT
Did you write a review about your experience and rate them? READ COMMENT
It did not need fixing after he dissolved the restylane, my issue with the procedure was the wasted product on the area and then not having enough to put in my original problem area. READ COMMENT
I'm not sure how his star rating is still good with the few negatives. I think it's because he's paying to be on this site. FYI the office offers a discount off your next visit for a positive review on this site and a few others. READ COMMENT
It was dissolved by dr. Kass, with no apologies or offer to fill in the eye hollows which lacked the appropriate amount of filler to make a noticible difference. READ COMMENT

subset: commoncrawl


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True Log House-4BR+Loft/2BA , Game Rm, Close to Lake.(18 Reviews)
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- Minimum stay:2 nights
- Sleeps:10
- Bedrooms:4
- Bathrooms:2
- Property type:House
- Internet:Yes
- Pets considered:Yes
- Wheel chair accessible:No
About the Property
House, 4 Bedrooms + Loft, 2 Baths, (Sleeps 2-10)
Our Log House has four bedrooms and loft, two full baths, full basement with pool table, ping pong table, air hockey, indoor basketball hoop, dry bar and utility room with washer and dryer. Air condition. Covered porch. Deck with outdoor fireplace. House was built with true logs featuring Living Room with cathedral ceiling, 32' high definition flat screen TV, digital cable, digital cable modem for high speed internet, Wireless Internet, VCR, DVD player, stereo, CD player, kitchen, master bedroom and full bath on first floor, loft with TV, DVD player, two bedrooms, full bath on second floor.
We can provide fresh linens and towels for an additional small fee for your convenience. Also, house has cleaning supplies, iron, ironing board, alarm clock, hair dryer, curling iron, board games, extras in the kitchen, extra blankets and pillows. Fans for each room.
You can enjoy nature from the porch or deck or enjoy your walk to the lake; either through wooded area following the natural path at the back of the house or short walk on the street. Log House is sitting on cul de sac offering privacy and enjoyment of wildlife. More pictures available upon request. We are accepting credit cards through paypal account.
Community itself is offering fishing, lake with beach and playground, heated pool, kids pool, snack bar overlooking the lake, arcade, tennis courts, basketball courts, rental boats and active clubhouse.
House is very close to other attractions year round. You can experience enjoyment at ski slopes of Big Boulder/Jack Frost, have family fun snowtubing or newly opened indoor water park H2O, or take a 35 minutes ride to Whitehall to ice skating rink. During the hot summer go to Whitewater rafting or take a splash at Camelback water park or swim at Lake Harmony, Hickory Run State Park Lake, Beltzville lake, or take a hike through Hickory state park. Don't forget to take a tour to highest point of our Mountain to Fire Tower of route 115 and enjoy the scenic view of the Poconos.
Close by is the Historical town of Jim Thorpe with museum, tours of mansion, train station with special Holiday rides and Fall foliage rides and train display that can fill your vacation schedule as well. Christmas activities. There is much more to do and see. Festivals, Doney Park, Paint ball, Crossings outlets, American Candle, Whitewater rafting, Pocono Raceway etc. Pamphlets and directions are provided upon arrival.
Keywords: Log House
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Member since: 2007
Property Type
- House
- 1800 sq. ft.
House Rules
Accommodation Type
- Vacation Rental
- Guests Provide Their Own Meals
- Wheelchair Inaccessible
Bedrooms: 4 Bedrooms, Sleeps 10, Beds for 2-10
- Bedroom 1: 1 king
- Bedroom 2: 1 queen
- Bedroom 3: 2 twin/ single
- Bedroom 4: 1 double, 1 twin/ single
- Loft: 1 sleep sofa /futon
- King size beds (1) King bed is in master bedroom downstairs. , Queen size Beds (1) 1 Queen size bed is in Bedroom upstairs. , Double Beds (1) 1 Futton Full size in Loft area. 1 Full size bed in 4th bedroom in the basement, Twin or Single Beds (1) 2 Single Beds are in Bedroom upstairs. 1 Single in 4th Bedroom in the basement., Sleep Sofa or Futons (1) 1 sleeper sofa Queens size in LvRm area....moreless
Other Amenities
- Books
- CD Player
- DVD Player
Game Room:
Pool table, Ping Pong Table, Air Hockey table, Indoor Basketball Hoop...moreless
- Games:
- Ping Pong Table
- Pool Table
Satellite / Cable:
32' HD Flat Screen TV with Digital Cable Box in LvRm, in Loft area TV w/cable, box for internet connection, wireless router for internet connection, Game Cube video game system w/3 games....moreless
- Stereo
- Television:
- Cinemas
- Festivals
- Live Theater
- Museums
- Playground
- Recreation Center
- Restaurants
- Theme Parks
- Water Parks
Local Services & Businesses
- ATM/Bank
- Groceries
- Hospital
- Laundromat
- Medical Services
Leisure Activities
- Antiquing
- Boating
- Gambling Casinos
- Horseback Riding
- Miniature Golf
- Paddle Boating
- Photography
- Shopping
- Sight Seeing
- Sledding
- Walking
- Wildlife Viewing
Location Type
Sports & Adventure Activities
- Basketball Court
- Cross Country Skiing
- Cycling
- Fishing
- Golf
- Hiking
- Hunting
- Kayaking
- Mountain Biking
- Rafting
- Skiing
- Snowboarding
- Snowmobiling
- Swimming
- Tennis
Dining room table with 5 chairs. Table extension and additional chairs in the house to accommodate up to 10 people....moreless
- Dining Area
Broadband Access:
High Speed Internet, USB and Wireless Internet, WIFI password logcabin...moreless
- Clothes Dryer:
- Hair Dryer
zoned electric heat with thermostats in the rooms...moreless
- Internet:
- Iron & Board
Linens Provided:
Upon request linens can be provided for additional cleaning fee $30....moreless
- Living Room:
- Parking Off Street:
- Parking For RV/Boat/Trailer
Towels Provided:
Upon request provided for additional charge of $30 along with bed sheets...moreless
- Washing Machine:
Wood Stove:
Pellet Stove. Pellets are provided. Very easy to operate. Looks just like wood stove with glass door to see the flame....moreless
- Coffee Maker
Cooking Utensils:
Pots and Pans, Dishes, Glassware, Utensils, Table Clothes, Napkins are provided....moreless
- Dishes & Utensils
Also Coffee Maker, Blender, Mixer, Waffle maker and Toaster are provided....moreless
- Microwave
- Oven
- Boat:
Deck / Patio:
Outside Furniture (chairs and table w/Umbrella), 2 Rocking Chairs....moreless
RatesCurrency Conversion
|Weekend Night
|Monthly *
My Standard Rate
2 night min stay
Additional information about rental rates
- Cleaning Fee $70
- Pet Fee $50
- Processing charge $45
- Extra Night Fee $100
- Per car registration fee $5
- Optional fee for linens $30
- Refundable Damage Deposit $100
- Tax Rate 9%
We do offer off season discounted rates and last minute low rates.
We require 2 nights minimum Friday to Sunday $495 plus other fees as advertised.
Damage deposit for New Year's Eve is $350 and cleaning fee is $100.
$5 per vehicle community rental registration fee can be deducted from the renter's deposit and receipt of the payment provided upon return of the deposit.
Every extra night is $100.
Month of July and August weekly rentals Friday to Friday.
Deposit within 5 days from the receipt of the lease and reservation page in the form of check, money order or paypal payment . Rest of the Payment within 3 weeks prior the arrival in the form of personal check, other options money order, certified check, payment via paypal with credit card - contact the owner for info.
Owner's cancellation policy:
Policy available by contacting owner when booking
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- Attraction
- 27 miles to rental
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- Restaurant
- 24 miles to rental
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- Attraction
- 22 miles to rental
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- Attraction
- 30 miles to rental
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- Attraction
- 27 miles to rental
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- Attraction
- 24 miles to rental
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- Attraction
- 25 miles to rental
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- Attraction
- 24 miles to rental
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- Restaurant
- 25 miles to rental
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- Attraction
- 24 miles to rental
- View on map
Car: Necessary
Heated community Pool w/Kidde Pool. Snack bar on the deck overlooking Lake. Beach w/Rental Boats. Arcade,
Tennis Courts, Basketball and Volleyball court, Playgrounds, Baseball field by maintenance entrance.
Owner info
Why the Owner Chose Albrightsville, PA, USA:
We have always dreamed to have a log house in a private location yet close to the lake and to the community amenities and attractions close by. Just to have that feeling to be in the mountains and at the same time to be convenietly located to many things.
The Unique Benefits at this House:
It is so nice to come every season. So peaceful with all the snow and only the foot marks from animals crossing our property. We enjoy the hot summer days taking the advantage of few minutes walk to the lake or just sitting on the covered porch looking at the rain coming down. Fall is absolutely breath taking in Poconos.
Contact us
Send email
- Primary: +1 5708562404
- Secondary: +1 5709562414
Links to more information:
- Click Here to see All My Rental Listings
from loft
Game Room
View from Deck
Pellet Stove in LvRm
Dining Area
Master Bedroom
One of the bedrooms
This listing was first published here in 2007.
Date last modified - Thursday, May 25, 2017
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Title: "Salvation: Forever and Always: Elusive Dreams"
Author: Michelle Heath
Rating: MA for adult situations and language
Summary: Story #9 in the Salvation series. The bonds of family bring the Five-0 ohana even closer.
Disclaimer: I so do not own Hawaii Five-0; unfortunately! All original characters are the property of the author!
Date Written: July 6, 2012
AUTHOR'S NOTE: Hello, everyone! Here is the next installment of the "Salvation" series and it will focus more on personal family issues of the Five-0 ohana. I want to incorporate YOUR ideas and suggestions into this particular storyline, so please don't be bashful in letting me know what you'd like to read! I thank you all so much for continuing to read my work and I truly appreciate your reviews. I love hearing from you whether your comments are positive or not, so please tell me what you think! Hope you all enjoy this one! Michelle
(Caroline Williams sits on the bow of her parents' sailboat and watches as her mother, Libby Thrasher, and Tony Montgomery explain, yet again, the specifics on making a mid-range dive to her husband Danny Williams as the three tread water just off the starboard side of the boat. Caroline's sister and brother-in-law, Samantha and Steve McGarrett, Tony's wife, Kono, Lana and Chin Kelly, and Caroline's and Sam's father, Mike Thrasher are all down below exploring a reef. Sam's and Steve's six month old daughter, Emily, and Kono's and Tony's son, Eric, are napping in the boat's master cabin under the watchful eye of their nanny, Rosa Garcia. Caroline is having a hard time containing her mirth as she listens to the somewhat frustrated note in Tony's voice and even her mother, who is the most patient person Caroline knows, is beginning to get irritated with Danny. Knowing exactly how to get Danny's attention and incite him to pay attention and "get it right", Caroline stands up and slowly stretches her shapely form, clad only in a mint green bikini, to get her husband's attention. Mission accomplished. Danny Williams is staring at his beautiful wife with undisguised lust written all over his face. Sending a little smirk in his direction, Caroline executes a clean dive into the ocean and surfaces right next to her totally captivated husband.)
"You know, Danny, Lana started learning to dive after you did and now she's doing it like she's been diving all her life."
"Well, of course, she is, Caroline. Chin's been taking her diving nearly every day since she started learning."
"You could have gone with them, Danny. Chin invited you almost every time he opened his mouth. You preferred getting some extra rack time before you went to work."
"Yeah, but I was getting extra rack time with you, Gorgeous."
"O-kay. . . What say we head on down and catch up with your husband and my wife, Mrs. T?"
"I say that's an excellent idea, Tony, dear. My son-in-law seems to be more intent on running smack than listening to what we're telling him, anyway."
(And Libby and Tony immediately put in their regulators, pull down their dive masks, and head down into the ocean to join the others while Caroline sends an exasperated frown in her husband's direction.)
"Really, Danny? My mother and Tony are trying to help you learn to dive and you decide to run smack?"
"Hey, it worked, didn't it? They left; we're alone. . . . And you are so beautiful, Caroline."
"Damn. . . You make it impossible for me to stay mad at you!"
"And that's a bad thing?"
"Of course not! . . I love you so much, Danny. I just wish . . ."
(By now, Danny has maneuvered so that his arms are around Caroline and hers are around his neck, and he uses one hand to gently lift her face to his.)
"I love you with all my heart, Caroline; I always will. You are the most incredibly beautiful, caring, loving woman in the world to me, and I'm so grateful that I'm the man you chose to spend the rest of your life with. If God blesses us with children, I'll love them, too, but, if we don't have children, well, I can live with that, too, as long as I have you."
"I want to have children with you, Danny. Grace is beautiful and sweet and smart, and . . And totally amazing! I couldn't have asked for a more wonderful step-daughter, but . . . I want to have your baby."
"Oh, Baby, nothing would make me happier, but . . It is what it is, Caroline. You and I are doing everything we can to make it happen. What both of us have to remember is that it really isn't up to us."
"I thought that, once our lives got back to normal after those nasty Kasavich people were squared away, I would be more relaxed and getting pregnant would be a snap. Guess I was wrong."
"Because you're still stressing, Caroline; you're stressing over getting pregnant."
"I am not!"
"Yeah, Gorgeous, you are. You need to put it completely out of your mind; forget about it for a while. If we weren't out here in the middle of the ocean with the entire population of Oahu, I'd most definitely make you forget all about everything except me."
"Would you now?"
"Absolutely. Need me to prove it to you?"
"Hmmm. . Tempting, Romeo, but I don't think my father would appreciate surfacing to find us having sex in the middle of the ocean."
"Who said we'd be having sex? I'm talking about a full-blown seduction followed by some seriously mind-blowing lovemaking."
"God, Danny, you're killing me here!"
"Not yet, but I will be in, oh, about six or seven hours, Gorgeous; count on it."
"Yeah, you're going to think you've died and gone to heaven when I'm done. Want me to tell you what I'm planning to do to you?"
(Caroline has been getting warmer and warmer at her husband's obviously successful effort at seduction: the low pitch of his voice, the sexy little grin on his face, and the slow, sensual way his hand is moving up and down her arm and over her bare back. Her breathing is shallow and raspy and she is feeling quite warm all over. The sound of Rosa's cheerful voice calling down to them from the deck, however, snaps Caroline out of her state of arousal and back to the real world.)
"Caroline, Danny, would you two mind giving me a hand with lunch? The babies are still sleeping but they will be waking up soon."
"Be right there, Rosa."


text:
Brian Blessed stormed out of a black-tie dinner at the Savoy after allegedly grabbing a guest by the throat when he called the 1980 film Flash Gordon, in which Blessed starred, "crap".
The 74-year-old was booked as an after-dinner speaker and his £6,500 fee will be refunded. Guests said he shouted "I'm not standing for this" and left.
"All I said was I did not rate Flash Gordon, that I thought it was crap. I certainly did not call him any names," the man told the Daily Mail.
- More about:
- 1980s Cinema
- Cinema
- Dinner
- The Daily Mail


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Hi Donald - both close spacing and a <lot> of increase. I watered them
when I first planted them, maybe once more those first few weeks if it
didn't rain - I can't remember. They went in the ground in late
March/early April, I think - before TB bloom season started. (can't find
my book right now)
Amd they got <lots> of water in July - poured down rain.
Single plant is MISSOURI MIST (extremely healthy here & makes fairly
nice pink babies) X org13 (GOLDEN APPLE X CRYSTAL GLITTERS). Most of
the seedlings from this cross look like this.
The really crowded ones in the other photo are SELECT CIRCLE X BELVI
QUEEN. Lots of that median type increase on these, but a few are more
TB like - keeping my fingers crossed that the non-median genes will win
on a few, both foliage and blooms...
The other crosses were mostly IMM, HARVEST OF MEMORIES and their
seedlings, several crossed with org13 - one of the very few with good
pollen that took in 2009. very late blooms. One batch from IMM X RED
ROCK CANYON, some 2nd year germinants from a few things, mostly
involving MATRIX and her seedlings.
Don't worry, Loic, I'll let the ones with nice looking blooms live, even
if they are median-ish, long enough to see if they rebloom ;-)
<Were these spaced close together or is that increase? And no water. >
Linda Mann east TN USA zone 7


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In the aftermath of the publication of my most recent editorial -- "Let Them Learn French": Canada's Bilingual Elite Hold All the Power" -- I've been widely denounced by all manner of pundit, much of Quebec, and even our old pal Gilles Duceppe. On the other hand, I've also heard from numerous Canadians applauding me for finally confronting one of this country's most sacred taboos head-on.
The PQ should focus on using education to preserve its culture and language. Almost 80 per cent of Quebecers identify themselves as Francophone. Thus, it's a failure of education when someone who was born, raised and educated in Montreal tells you that he moved to Toronto because it's impossible to find a job in Montreal. The issue should not be that French was required of them but that, over the course of their educational career, they were not properly taught the language and its value -- economic and cultural. The new Ontarians will not phrase it this way, of course.
We live in a province where language is a huge issue. I can't even begin to tell you how many times people have said to me "Oh your son doesn't speak French?! Do you realize you live in Quebec"? Really, thank you kindly for pointing that out. Do YOU realize my son is autistic and for the first five years of his life barely spoke?
My ancestors were among those who discovered La Nouvelle France; "Drouin" was my paternal grandmother's last name. I love Québec and I stand up for it. I wish I could say that my petit nation thought I was the ideal Québecois. But no, I feel like Madame Marois wants to turpentine the Anglo off of me or have the French Québecois alienate and exile me. There are many of us Québecois who are not pure laine, but Québec is the only place that is home to us. If people of all religions, of all races, of both genders can live together in harmony in this province, why can't Anglos and Francos?


text:
French law forbids food waste by supermarkets
Marlene Breverman stashed this in Food banks
France has become the first country in the world to ban supermarkets from throwing away or destroying unsold food, forcing them instead to donate it to charities and food banks.
Under a law passed unanimously by the French senate, as of Wednesday large shops will no longer bin good quality food approaching its best-before date. Charities will be able to give out millions more free meals each year to people struggling to afford to eat.
Stashed in: World Hunger, World Hunger, France, The World of Tomorrow
The law passed in the senate.... unanimously?! Wait, let me get my dictionary.
Meaning they all agreed.
Sounds like France joined the ugly food movement.
What France did seemed like common sense, and was good reading. That every politician could agree on something threw me for a loop. Sad.
Don't worry, that would never happen in 'Merica... the unanimous passing of a bill, even if it were to give out a fast acting dissolvalble one time use cancer pill that costs $5 each to every citizen. It would get attached to other legislation and get tied up for years.
If only more people would listen to John Oliver about food waste.
And yeah in America it seems like nothing unanimously passes.
I think all the major supermarket chains in the US donate to food banks... but the laws here are very strict about not allowing expired food to be donated. Because from a liability standpoint it's better for people to starve than eat a can of soup that is a couple days past its expiration date. And when it comes to FRESH old food, we can't deal at all. The government must protect hungry kids from the scourge of old eggs!
I didn't realize that, Joyce. It makes sense to figure out a way to allow for fresh old food.


text:
This month, I'm featuring Windy City Cocoa, Bob's Red Mill, and two items from Golden Door spa's artisan food line. The folks at Bob's Red Mill have provided the exact products you'll need to make Jeanne's Gluten-Free All-Purpose Flour mix from Gluten-Free Wish List.
I showcased the blood orange marmalade from Golden Door's artisan food products in my prize-winning recipe for blood-orange-glazed shrimp. I also used their fig preserves to create my balsamic-fig-glazed chicken thighs. You can read more about the Golden Door spa in the post I did when I took a tour in August. This month's giveaway includes their peach-blackberry preserves and their spiced bean soup mix. Their products are small batch, crafted by hand. They might only have enough organic fruit to make 300 or 400 jars of one type of preserves, so they are special. And, 100% of their profits, including all of this food line, are given to support children's charities.
You'll also receive the four gorgeous, gift-worthy cookbooks I reviewed this month. I hope to get the package out to the winner just before Christmas. The prize package includes two packets of Windy City Cocoa mix (reviewed here), a wooden spoon, and a really nice citrus juicer.
The sweepstakes package includes:
- 1 hardcover copy of New Taco Classics by Lorena Garcia. Read my review.
- 1 hardcover copy of Gluten-Free Wish List by Jeanne Sauvage. Here's my review.
- 1 hardcover copy of Mark Bittman's Kitchen Matrix. Read what I thought.
- 1 hardcover copy of Foster's Market Favorites by Sara Foster. My review will be on the 23rd.
- One bag each of white rice flour, brown rice flour, sweet white rice flour, xanthan gum, and tapioca starch from Bob's Red Mill, plenty to make up Jeanne's gluten-free flour mix. (Ships separately, will not arrive before Christmas.)
- 2 packets of Windy City Cocoa: dairy-free, gluten-free, allergen-friendly
- One each: peach-blackberry preserves, spiced bean soup mix from Golden Door.
- Lemon squeezer and wooden spoon
Required FTC disclosure: The giveaway items were provided by Bob's Red Mill, Golden Door, Windy City Cocoa, Story Farm, Chronicle Books, Pam Krauss Books, Celebra (Penguin Random House), and Recipe Renovator. I was not paid to write this post.
Sweepstakes Official Rules:
By using the Rafflecopter widget below you are agreeing to the Official Rules, outlined here.
- Only residents of the U.S. over the age of 18 are eligible to enter.
- By entering the sweepstakes you agree to be added to my email newsletter list, which comes out no more than twice per month. You can unsubscribe at any time.
- Duration: Thursday December 17 through Monday December 21, 2015 at 11:59 PM Pacific Standard Time.
- Use the Rafflecopter widget to enter.
- The number of eligible entries received determines the odds of winning.
- Winner will be selected by Rafflecopter within 48 hours of the sweepstakes closing and contacted by email. Winners have 24 hours to respond to their notification email to claim their prize. If they do not respond, another winner will be chosen by Rafflecopter. All prizes will be awarded.
- We are not liable for technical failures or typographical errors, or resolving identity disputes related to the winner.
- We will obtain winners' name and mailing addresses in the notification email. Once prize(s) have been mailed we will maintain that information for up to one year but will not use it for any other purpose.
- This sweepstakes is sponsored by Bob's Red Mill, Golden Door, Windy City Cocoa, Story Farm, Chronicle Books, Pam Krauss Books, Celebra (Penguin Random House), and Recipe Renovator, P.O. Box 34054, San Diego, CA 92163-4054. (619) 365-5065.
- Prize description: 4 books, 4 bags of gluten-free flours plus xanthan gum, kitchen tools, 2 hot cocoa packets, 2 artisan food products, retail value $191.75.


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Getting there
It's getting ever easier to fly into Albania, with the number of international connections increasing every year. Local low-cost carrier Belle Air (www.belleair.it) flies to Tirana's Mother Teresa airport (www.tirana-airport.com) from several Italian cities, as well as London, Athens and Vienna. Direct British Airways flights from London can be quite reasonable, while in warmer months you can fly cheaply to Corfu then get a ferry to Saranda. Visas are not required for citizens of most nations; South Africa is a notable exception.
Greece offers by far the simplest international bus connections – there are daily services to Tirana from both Athens and Thessaloniki (from €25), and it's also possible to get direct buses to a number of other Albanian cities. From Macedonia there are direct services from Tetovo (west of Skopje) to Tirana, via Struga and Elbasan. It is still not straightforward to get here from Montenegro – there are no services at all from the capital Podgorica, though there are a couple of daily buses, and some unofficial minivans, linking Shkodra and Ulcinj.
The most interesting form of arrival is by ferry. Several operators make overnight sailings to Durrës from Bari in Italy, including Ventouris Ferries (www.ventouris.gr; from €56); it's also possible to get to Saranda by ferry from Corfu (www.ionian-cruises.com; from €19), with at least two ferries per day making the thirty-minute hop.
Everything you need to know before you set off.
Travel offers; book through Rough Guides
Planning your trip to Albania
Everything you need to plan where to go and what to do.
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The latest articles, galleries, quizzes and videos.
7 things you didn't know you could do in Albania
Albania often doesn't get the kudos it deserves. The country still suffers from the echoes of its Communist past: few people travelled in or out for decades d…
An Instagram journey through Albania: 11 beautiful pictures
During two weeks researching in Albania for the Rough Guide to Europe on a Budget, Web Editor Lottie Gross took over our Instagram account to document her trav…
10 reasons why you need to visit Tirana
Albania's capital used to regularly top lists for Europe's worst city. Decades of Stalinist rule left Tirana grey and grim, lacking in both infrastructure and…


text:
Sidecars, Inc. v. Texas Dept. of Ins., 2013 WL 2395189 (May 30, 2013). _ http://goo.gl/zE1P2e
Court of Appeals of Texas,
SIDECARS, INC., Appellant
The TEXAS DEPARTMENT OF INSURANCE; Mike Geeslin, Commissioner of Texas Department of Insurance; Collateral Protection Insurance Agency, Inc.; and HUB International Financial, Appellees.
No. 03–10–00720–CV.
May 30, 2013.
From the District Court of Travis County, 200th Judicial District No. D–1–GN–10–000976, Suzanne Covington, Judge Presiding.
Attorneys and Law Firms
Jack Hohengarten, Assistant Attorney General, Financial and Tax Litigation Division, B. Russell Horton, Kincaid & Horton, L.L.P., Elizabeth Von Kreisler, George Brothers Kincaid & Horton, L.L.P., Richard C. King Jr., King Litigation, Austin, TX, for appellee.
Mark A. Wietz, Weitz Morgan PLLC, Austin, TX, for appellant.
Before Justices PURYEAR, ROSE and GOODWIN.
MELISSA GOODWIN, Justice.
*1 The issues presented in this appeal concern the legality of appellant SideCars, Inc.'s "Collateral Protection Coverage" (CPC) program that it marketed, sold, and administered for "buy here, pay here" car dealers.1 Facing competing motions for summary judgment, the trial court ruled in favor of appellees the Texas Department of Insurance and Mike Geeslin, in his capacity as the Texas Commissioner of Insurance, Collateral Protection Insurance Agency, Inc. (CPIA), and HUB International Financial. The court concluded that the CPC program constituted the unauthorized business of insurance and permanently enjoined SideCars from marketing, offering for sale, or selling the CPC program. See Tex. Ins.Code secs. 101.101–.105. On appeal, SideCars challenges the injunctive relief and summary judgment rulings in favor of the State and CPIA.2 For the reasons that follow, we affirm the trial court's judgment.
The CPC Program
The documents and undisputed facts show that SideCars marketed, sold, and then administered the CPC program for "buy here, pay here" car dealers. The car dealers offered the program to buyers at the inception of a retail installment motor vehicle transaction. Under the program, the car dealer provided the buyer with written notice that the buyer was required to obtain physical damage insurance naming the dealer as loss payee or, alternatively, to make periodic payments to the car dealer under the CPC program.3 The notice, entitled "Physical Damage Insurance Requirement Notice," included terms and conditions of the program. The buyer was notified:
CREDITOR is only Covered. Our CPC contract provides single interest coverage and does not directly protect your interest in the same way as your own insurance would. Benefit payments made under our CPC contract will be made to CREDITOR and will be credited to your loan balance or used to repair your vehicle at CREDITOR's discretion. In the event of a covered loss, our CPC contract will pay the lesser of (1) the cost to repair or replace your auto, (2) the actual cash value of your auto or (3) the Outstanding Net Balance of your loan on the date of loss.... Also, a deductible (as shown below) applies to each loss.
The rates for this coverage are not fixed or approved by the state board of insurance and does not provide you any protection, ... and furthermore such insurance protects only the creditor and does not protect your equity in the vehicle described below.
The buyer then initialed either that the buyer had obtained the required insurance or that the buyer "[had] not obtained required insurance on [his or her] own." In the latter case, the buyer requested the car dealer to insure its own interest under the CPC program:
I request CREDITOR to insure its own interest in my vehicle under their single interest CPC contract and that I will be responsible to pay the cost to CREDITOR of such coverage as documented below. I understand that I may purchase my own required insurance at any time and coverage under the CPC contract will be cancelled. I understand that this limited physical damage coverage does not include liability coverage and that I have or will obtain liability insurance from an agency or company of my choice.
*2 The notice then set out the cost to the buyer of the program including the deductible that would apply in the event of a covered loss and the payment schedule. The notice also stated that the buyer "agree[d] that any refund of unearned premium shall be refunded to [buyer]."
Under the program, a participating car dealer would forward the fee paid by its buyers for the cost of the program to SideCars who administered the program for the car dealer. SideCars retained a portion of the fee for its administrative charge. A portion of the fee was used to purchase stop-loss coverage,4 and the remainder of the fee was placed in a bank account of a Producer Owned Reinsurance Company (PORC) wholly owned by the car dealer.5 SideCars then administered the bank account for the PORC, including paying covered claims under the CPC program from the PORC's bank account.
Litigation Commenced
SideCars filed this suit in March 2010 against the Department and the Commissioner. SideCars sought declarations and injunctive relief concerning the legality of the CPC program. SideCars also brought claims against two of its competitors, appellees CPIA and HUB International Financial. The Department, the Commissioner, and the State of Texas (collectively, the State), acting through the Office of the Attorney General, counterclaimed with an enforcement action seeking to enjoin SideCars from engaging in the unauthorized business of insurance and for civil penalties pursuant to the Insurance Code. See Tex. Ins.Code secs. 101.101–.105. It was undisputed that SideCars did not hold a certificate of authority or license to engage in the business of insurance in Texas.
The State and SideCars jointly made evidentiary stipulations and filed cross motions for summary judgment based upon the stipulations. They stipulated to the authenticity and admissibility of documents that form the CPC program and joined issue on whether the program constituted the unauthorized business of insurance. CPIA and HUB International Financial also filed summary judgment motions against SideCars. After a hearing, the trial court denied SideCars' motion and granted the State's motion for partial summary judgment and the motions of CPIA and HUB International Financial. The trial court rendered partial summary judgment permanently enjoining SideCars from marketing, offering for sale, or selling its CPC program and from engaging in the unauthorized business of insurance. The summary judgment rulings and permanent injunction were severed and made final and are the subject of this appeal.
SideCars raises three issues on appeal challenging the trial court's rulings granting summary judgment in favor of the State and CPIA and denying its competing motion for summary judgment. In its first issue, SideCars contends that its "collateral protection insurance program" meets all the requirements of section 307.051 of the finance code and "is not an insurance product sold to car buyers." See Tex. Fin.Code sec. 307.051.6 As such, SideCars contends in its third issue that the agency charged with the regulation of its program is the Office of Consumer Credit Commissioner (OCCC) and not the Department.7 In its second issue, SideCars contends that car dealers under the CPC program insure their own collateral risk under section 101.053(b)(6) of the Insurance Code and, in so doing, cover their collateral risk with an authorized insurer as required by section 307.056 of the Finance Code. See id. sec. 307.056; Tex. Ins.Code sec. 101.053(b)(6).
*3 As to CPIA, SideCars argues that, if this Court reverses the summary judgment rulings in favor of the State, it also must reverse the trial court's rulings as to CPIA.8
Standard of Review
We review a trial court's summary judgment rulings de novo. Valence Operating Co. v. Dorsett, 164 S.W.3d 656, 661 (Tex.2005). To prevail on a traditional motion for summary judgment, the movant must show that there are no genuine issues of material fact and that it is entitled to judgment as a matter of law. Tex.R. Civ. P. 166a(c). When reviewing a summary judgment, we must take evidence favorable to the nonmovant as true, indulge every reasonable inference in favor of the nonmovant, and resolve any doubts in the nonmovant's favor. Dorsett, 164 S.W.3d at 661. When the parties move for competing summary judgment on the same issues and the trial court grants one motion and denies the other, as is the case here, we consider the summary judgment evidence presented by both sides, determine all questions presented, and if we determine that the trial court erred, render the judgment the trial court should have rendered. Id.
SideCars' issues primarily concern matters of statutory construction which we also review de novo. See Texas Mun. Power Agency v. Public Util. Comm'n, 253 S.W.3d 184, 192 (Tex.2007). Of primary concern is the express statutory language. See Galbraith Eng'g Consultants, Inc. v. Pochucha, 290 S.W.3d 863, 867 (Tex.2009). We apply the plain meaning of the text unless a different meaning is supplied by legislative definition or is apparent from the context or the plain meaning leads to absurd results. City of Rockwall v. Hughes, 246 S.W.3d 621, 625–26 (Tex.2008). We consider the entire act, not isolated portions. Railroad Comm'n v. Texas Citizens for a Safe Future & Clean Water, 336 S.W.3d 619, 628 (Tex.2011); 20801, Inc. v. Parker, 249 S.W.3d 392, 396 (Tex.2008).
Regulation of Collateral Protection Insurance
We begin with SideCars' third issue addressing whether "collateral protection insurance" is subject to regulation by the Department. SideCars does not dispute that collateral protection insurance is a type of insurance.9 See Tex. Ins.Code sec. 101 .051(b) (listing acts that "constitute the business of insurance in this state"); In re Texas Ass'n of Sch. Bds., Inc., 169 S.W.3d 653, 658–59 (Tex.2005) (definition of insurance discussed). But SideCars contends that this type of insurance is not regulated by the Department but solely by the OCCC pursuant to chapter 307 of the Finance Code. See Tex. Fin.Code secs. 307.001–.058. Section 14.108 of the Finance Code provides that the OCCC has interpretative authority over chapter 307. See id. sec. 14.108. The OCCC also has regulatory authority over certain aspects of insurance products offered in connection with motor vehicle retail installment transactions. See id. secs. 348.201–.215.
The State contends, among its arguments, even if the CPC program is collateral protection insurance as that term is defined in the Finance Code and subject to regulation by OCCC, it also is subject to regulation by the Department. We agree. Section 31.002 of the Insurance Code states that the Department "shall ... regulate the business of insurance in this state" and "ensure that this code and other laws regarding insurance and insurance companies are executed." Tex. Ins.Code sec. 31.002(1), (3). Section 31.021 similarly states that "[t]he commissioner shall administer and enforce this code, other insurance laws of this state, and other laws granting jurisdiction or applicable to the department or the commissioner." Id. sec. 31.021(a). These provisions authorize the Department to administer and enforce the Insurance Code as well as "other insurance laws of this state." Id. sec. 31.021(b)(1). Based upon the plain language of these sections, the provisions in chapter 307 of the Finance Code addressing insurance are within the Department's regulatory authority.
*4 Further, the legislature in the Insurance Code authorizes the Department to regulate "any form of motor vehicle insurance." Id. art. 5.01. Article 5.01(b) states: "The Board shall have the sole and exclusive power and authority, and it shall be its duty to determine, fix, prescribe, and promulgate just, reasonable and adequate rates of premiums to be charged and collected by all insurers writing any form of insurance on motor vehicles in this State." Id. art. 5.01(b). "Motor vehicle or automobile insurance as referred to in this subchapter shall be taken and construed to mean every form of insurance on any automobile...." Id. art. 5.01(e). Collateral protection insurance on an automobile falls within the plain meaning of the phrase "every form of insurance on any automobile." See id.
The legislature also describes acts that constitute the business of insurance in section 101.051(b), and excepts activities in section 101.053. Id. secs. 101.051, .053. Section 101.053 expressly excepts such activities as "the lawful transaction of surplus lines insurance under Chapter 981 [of the Insurance Code]" and the "lawful transaction of reinsurance by insurers."10 Id. sec. 101.053(b)(1), (2). The legislature, however, did not include the transaction of collateral protection insurance in the enumerated excepted activities. Had the legislature intended to except this type of insurance transaction from conduct that constitutes the business of insurance, it could have easily said so. See Cameron v. Terrell & Garrett, Inc., 618 S.W.2d 535, 540 (Tex.1981) ("It is a rule of statutory construction that every word of a statute must be presumed to have been used for a purpose ... [and] we believe every word excluded from a statute must also be presumed to have been excluded for a purpose.").
Provisions in the Finance Code, including those in chapter 307, consistently show that the legislature intended for the Department to regulate collateral protection insurance. For example, section 307.056, titled "Choice of Carrier," states:
Collateral protection insurance may be placed with an insurer that is authorized to write insurance in this state or an eligible surplus line insurer selected by the creditor. The insurance shall be evidenced by an individual policy or a certificate of insurance.
Tex. Fin.Code sec. 307.056. By requiring "collateral protection insurance to be placed with an insurer that is authorized to write insurance in this state or an eligible surplus line insurer," the plain language of this section acknowledges and confirms the Department's regulatory authority over collateral protection insurance. See Tex. Ins.Code secs. 801.051 (certificate of authority); 981.001–.222 (surplus lines insurance).
Sections 307.055 and 307.058 likewise recognize the Department's regulatory authority over collateral protection insurance. See Tex. Fin.Code secs. 307.055, .058. Addressing the refund of unearned premiums, section 307.055 references the Department's automobile rules and rating manual for collateral:
*5 On the date the collateral protection insurance is canceled or expires, the amount of unearned premiums, as computed by the Texas Automobile Rules and Rating Manual for collateral to which that manual applies and pro rata for all other types of collateral, shall be refunded to the creditor.
Id. sec. 307.055(a). SideCars argues that, under the CPC program, the amount of unearned premiums was computed pro rata, but section 307.055(a) expressly limits the computation of unearned premiums pro rata for "types of collateral" that are not subject to the Department's manual, such as real property. Section 307.058 also provides that chapter 307 "does not impair or alter other requirements of this code or other law that may apply to a credit transaction." Id. sec. 307.058. This section makes clear that the legislature did not intend to affect the requirements of other applicable laws—such as the Insurance Code—to a credit transaction subject to chapter 307 of the Finance Code.
Although not in chapter 307, section 348.207(b) provides further support that the legislature intended for the Department to regulate collateral protection insurance. See id. sec. 348.207(b). This section addresses the situation in which a retail buyer fails to obtain or maintain coverage that is required by a retail installment contract. It expressly provides that "substitute insurance ... must be written at lawful rates in accordance with the Insurance Code by a company authorized to do business in this state." Id. Subchapter C of chapter 348 allows a holder of a retail installment transaction to request or require the buyer to purchase different types of insurance, including property insurance, credit life insurance, and credit health and accident insurance. See id. secs. 348.201–.202.
Viewing chapter 307 of the Finance Code in its entirety and in context with other provisions of the Finance and Insurance Codes, we conclude that collateral protection insurance is subject to regulation by the Department as a matter of law. See Parker, 249 S.W.3d at 396; Hughes, 246 S.W.3d at 625–26. We overrule SideCars' third issue.
Applicability of Section 101.053(b)(6)
In its second issue, SideCars contends that the CPC program is excepted under section 101.053(b)(6) of the Insurance Code, and that, as such, the car dealers cover their collateral risk with an authorized insurer as required by section 307.056 of the Finance Code. See Tex. Fin.Code sec. 307.056; Tex. Ins.Code sec. 101.053(b)(6). As previously stated, section 307.056 provides in part that "[c]ollateral protection insurance may be placed with an insurer that is authorized to write insurance in this state." Section 101.053(b)(6) of the Insurance Code provides that section 101.051—the section defining conduct that constitutes the business of insurance—does not apply to "an activity in this state by or on the sole behalf of a nonadmitted captive insurance company that insures solely ... the risks of the company's parent or affiliated companies." SideCars contends that it was administering the car dealers' "self-funded collateral protection insurance" on the "sole behalf" of the car dealers' "non-admitted captive insurance compan[ies]" and that this arrangement was authorized by section 307.056 of the Finance Code. To support its position that its program was self-funded, SideCars characterizes the payments by car buyers under the CPC program as reimbursements to the car dealers and the only promise made by the car dealers in exchange for the reimbursements to be "if [a buyer] fails to buy 'their own insurance' that the creditor will not default them on the finance contract if they cover the cost of the dealer's collateral protection coverage."
*6 Even if we assume that the SideCars' dealers were properly utilizing nonadmitted captive insurance companies under the CPC program, however, the summary judgment evidence shows that section 101.053(b)(6) would not apply as a matter of law. See Tex.R. Civ. P. 166a(c). The plain language of subsection (b)(6) requires that the activity insure "solely" the risks of the affiliated company. Although SideCars argues that the CPC program only insured the risks of the car dealers,11 the plain language of the written notice provided to the car buyers contradicts this position. See Dynegy Midstream Servs. v. Apache Corp., 294 S.W.3d 164, 168 (Tex.2009) (courts give contract terms plain meaning).
Regardless of how the buyers' payments under the CPC program are characterized, the notice set out the car buyers' agreement to fund the CPC program by paying periodic fees—described in the notice and even by SideCars at times as "premiums"—to the dealers during the course of the financing transaction.12 The buyer also was responsible for a deductible in the event of a covered loss. In exchange, the notice stated that, in the event of a covered loss, the CPC program "will pay the lesser of (1) the cost to repair or replace [the buyer's] auto, (2) the actual cash value of [the buyer's] auto, or (3) the Outstanding Net Balance of [the buyer's] loan on the date of loss." Based upon the plain language of these provisions, the CPC program did not insure "solely" the risks of the car dealers. See, e.g., In re Texas Ass'n of Sch. Bds., Inc., 169 S.W.3d at 658–59 (discussing definition of insurance).
The fact that the CPC program purported to insure only the car dealers is not dispositive. See Texas Ass'n of Qualified Drivers v. State, 361 S.W.2d 580, 581–82 (Tex.Civ.App.-Austin 1962, no writ) (citation omitted) ("Whether or not a contract is one of insurance is to be determined by its purpose, effect, contents, and import, and not necessarily by the terminology used, and even though it contains declarations to the contrary."); Ware v. Heath, 237 S.W.2d 362, 363 (Tex.Civ.App.-Fort Worth 1951, no writ) (citation omitted) (insurance contract defined as " 'an undertaking by one party to protect the other party from loss arising from named risks, for the consideration and upon the terms and under the conditions recited' " and not "essential that loss, damage, or expense indemnified against necessarily be paid to the contractee [and] may constitute insurance if it be for his benefit and a contract on which he, in case of a breach thereof, may assert a cause of action").
Based upon plain language of the notice provided to the car buyers under the CPC program, we conclude that section 101.053(b)(6) is inapplicable to the CPC program as a matter of law. See Apache Corp., 294 S.W.3d at 168. We overrule SideCars' second issue.13
We conclude that the trial court did not err in its summary judgment rulings and affirm the trial court's judgment.14
The "buy here, pay here" dealers typically sell and finance used cars to low-income individuals unable to obtain financing from traditional sources. Because the customers "buy" the car at the dealership and "pay" on their loan there, this type of dealer has become known as a "buy here, pay here" dealer.
On appeal, SideCars does not challenge the trial court's rulings in favor of HUB International Financial, and HUB International Financial has not participated in the appeal.
In the notice, "CPC" stands for "Creditor Placed Coverage."
"Stop-loss coverage is an insurance product that allows self-funded plans to minimize the chances of catastrophic loss by shifting some of the risk onto an insurance carrier." American Nat'l Ins. Co. v. Texas Dep't of Ins., 364 S.W.3d 299, 301 (Tex.App.-Austin 2010), rev'd on other grounds, ––– S.W.3d ––––, No. 10–0374, 2012 WL 1759457, at *5–6 (Tex. May 18, 2012).
According to SideCars, it assisted the car dealers in setting up their PORC.
Section 307.051(a) defines collateral protection insurance as follows:
(a) Collateral protection insurance is insurance coverage that:
(1) is purchased by a creditor after the date of a credit agreement;
(2) provides monetary protection against loss of or damage to the collateral or against liability arising out of the ownership or use of the collateral; and
(3) is purchased according to the terms of a credit agreement as a result of a debtor's failure to provide evidence of insurance or failure to obtain or maintain insurance covering the collateral, with the costs of the collateral protection insurance, including interest and any other charges incurred by the creditor in connection with the placement of collateral protection insurance, payable by a debtor.
Tex. Fin.Code sec. 307.051(a). The term includes insurance coverage that protects "only the interest of the creditor" or "both the interest of the creditor and some or all of the interest of a debtor." Id. sec. 307.051(b).
We deny SideCars' motion to strike the OCCC's amicus curiae brief that was received by this Court. See Tex.R.App. P. 11.
CPIA urges, among its arguments, that SideCars waived any argument as to the trial court's rulings in favor of CPIA. Because we affirm the trial court's judgment in favor of the State, we need not address CPIA's additional arguments. See Tex.R.App. P. 47 .1.
SideCars also does not dispute that the CPC program is a form of insurance. In its brief to this Court, it states that the program is a "self-funded collateral protection insurance product." In its reply brief, it states that "no one is arguing whether 'insurance' exists.... This case is about who is covered ." Further, the program's notice to the buyer at the inception of the retail installment transaction uses the terms "insurance" and "premium" to describe the program, although the notice also uses the terms "fee" and "CPC contract."
SideCars does not contend that the CPC program is surplus lines insurance or reinsurance.
SideCars argues, for example, that the dealers did not have to submit a claim under the CPC program in the event of a covered loss and that the buyer had no recourse in that event. In its reply brief, SideCars describes its dealers' options in the event of a covered loss as follows:
Under the CPC program the buyer continues to assume the financial risk associated with the damage to or destruction of his financed automobile.... A creditor could finance a car, receive payments over the course of the loan, and prior to the loan payoff, the car could be damaged. The creditor need not file a claim at all if the payoff from its self funded reserves would be greater than the amount of the loan remaining. The dealer/creditor could simply elect to not file a claim and face the consequences of the buyer going into default and stopping payment on the note.
For example, SideCars states in its reply brief: "The monthly premium pays an administration fee and established a claims account."
Because SideCars' second and third issues are dispositive, we need not reach its first issue of whether the CPC program is "collateral protection insurance" as that term is defined in the Finance Code. See Tex.R.App. P. 47.1.
Pending before this Court is the State's motion for leave to extend time to file attached sur-reply brief. We grant the motion for leave.
Posted by Jay D. Adkisson, the author of Adkisson's Captive Insurance Companies, with main website http://www.captiveinsurancecompanies.com and with an interactive online forum at http://www.captiveforum.com and blog at http://www.captivenews.com see also http://www.jayadkisson.com and http://www.risad.com
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text:
Art Gallery
2,329pages onAdd New Page
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"There is something more powerful than each of us, a combination
of our efforts, a Great Chain of industry that unites us." - Andrew Ryan
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It is too short to provide more than rudimentary information about a subject. Would you kindly help BioShock Wiki by expanding it?
"There is something more powerful than each of us, a combination of our efforts, a Great Chain of industry that unites us. But it is only when we struggle in our own interest that the chain pulls society in the right direction..." - Andrew Ryan
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The Art Gallery is a small business located in Downtown Emporia, right under the advertising sign of New Eden Cafe. It makes and sells paintings, one of which is a portrait of Lady Comstock. By the time Booker an Elizabeth happen upon the place, it has been vandalized by the Vox Populi. A Voxophone and Gear can be found here after the door has been unlocked.
New DiscoveriesEdit
Gear Edit
- One random Gear - on the table in the center of the Art Gallery.


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- Heating
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Local Info
| Median Household Income
| Median Years In Residence
| Median Homeowner Age
| Households with Children
| Percent of Homes Rented
Nearby Elementary Schools
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- 3701 East Broadway
- Peralta Trail Elementary School
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Nearby Other Schools
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These are the closest schools to your requested location. Proximity does not guarantee enrollment eligibility. Please consult your real estate agent or school district to confirm the schools you are zoned to attend.
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text:
If Phil Mickelson was bothered by reports that his name was mentioned in connection with a federal investigation into alleged insider trading, it wasn't evident in his demeanor Saturday afternoon.
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Check-in time starts at 3 PM
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Check-out time is 11 AM
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Extra-person charges may apply and vary depending on property policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
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No cribs (infant beds) available
Optional extras
- Pet fee: USD 10.00 per pet, per night
- Rollaway bed fee: USD 10.00 per night
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- Knights Inn Laurel
- Knights Inn Motel Laurel
- Laurel Knights Inn
- Howard Johnson Mount Laurel
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We should mention
The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.


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I need some sleep
I nodded. My mind, body, and spirit were not here. Then I heard the words: "The storm's almost over." My head perked up and I looked around. It was ending. "After the storm's over, we should try calling someone with my phone." I suggested, shutting my eyes. I slowly began to doze off, but the minute that a loud crash of thunder roared, I squeaked and sighed.
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|NFL Football
|Player News
|Latest News
|Jan. 1, 2017 1:07 PM PT2:07 PM MT3:07 PM CT4:07 PM ET21:07 GMT5:07 AM 北京时间2:07 PM MST4:07 PM EST3:07 PM CT1:07 UAE (+1)16:07 ETNaN:� - Pitta had 11 receptions for 91 yards Sunday in the Baltimore Ravens' 27-10 loss to the Cincinnati Bengals.
Analysis: Pitta finished strong with 19 catches for 166 yards in his last two games.
|Dec. 25, 2016 4:50 PM PT5:50 PM MT6:50 PM CT7:50 PM ET0:50 GMT8:50 AM 北京时间5:50 PM MST7:50 PM EST6:50 PM CT4:50 UAE (+1)19:50 ETNaN:� - Dennis Pitta had eight receptions for 75 yards Sunday in the Baltimore Ravens' 31-27 loss to the Pittsburgh Steelers.
Analysis: Pitta was targeted 11 times after Joe Flacco threw his way just seven times over the past two games as the tight end totaled just 34 yards. It's been a solid comeback season for Pitta even though he's scored just two touchdowns.
|Dec. 18, 2016 4:02 PM PT5:02 PM MT6:02 PM CT7:02 PM ET0:02 GMT8:02 AM 北京时间5:02 PM MST7:02 PM EST6:02 PM CT4:02 UAE (+1)19:02 ETNaN:� - Dennis Pitta had two receptions for 16 yards Sunday in the Baltimore Ravens' 27-26 win over the Philadelphia Eagles.
|Dec. 12, 2016 8:58 PM PT9:58 PM MT10:58 PM CT11:58 PM ET4:58 GMT12:58 AM 北京时间9:58 PM MST11:58 PM EST10:58 PM CT8:58 UAE23:58 ETNaN:� - Pitta had four receptions for 18 yards Monday in the Baltimore Ravens' 30-23 loss to the New England Patriots.
Analysis: Pitta can't be trusted at the moment in fantasy circles.
|Dec. 4, 2016 1:16 PM PT2:16 PM MT3:16 PM CT4:16 PM ET21:16 GMT5:16 AM 北京时间2:16 PM MST4:16 PM EST3:16 PM CT1:16 UAE (+1)16:16 ETNaN:� - Pitta had nine receptions for 90 yards and two touchdowns Sunday in the Baltimore Ravens' 38-6 win over the Miami Dolphins. He also fumbled once.
Analysis: Two of Flacco's TD passes went to tight end Dennis Pitta, who's enjoying a fine season in his return from a second hip surgery. Pitta leads Baltimore with 61 receptions, but he hadn't reached the end zone since December 2013.
|Nov. 27, 2016 1:57 PM PT2:57 PM MT3:57 PM CT4:57 PM ET21:57 GMT5:57 AM 北京时间2:57 PM MST4:57 PM EST3:57 PM CT1:57 UAE (+1)16:57 ETNaN:� - Dennis Pitta had three receptions for 34 yards Sunday in the Baltimore Ravens' 19-14 win over the Cincinnati Bengals.
|Nov. 10, 2016 8:21 PM PT9:21 PM MT10:21 PM CT11:21 PM ET4:21 GMT12:21 AM 北京时间9:21 PM MST11:21 PM EST10:21 PM CT8:21 UAE23:21 ETNaN:� - Dennis Pitta had six receptions for 26 yards Thursday in the Baltimore Ravens' 28-7 win over the Cleveland Browns.
|Sep. 18, 2016 4:04 PM PT5:04 PM MT6:04 PM CT7:04 PM ET23:04 GMT7:04 AM 北京时间4:04 PM MST6:04 PM EST6:04 PM CT3:04 UAE (+1)19:04 ET22:04 - Pitta had just the second 100-yard game of his career Sunday in a 25-20 win over the Browns, catching nine passes for 102 yards. Pitta's only other 100-yard effort came Dec. 16, 2012, against the Broncos.
Analysis: Pitta had a team-high 12 targets Sunday after he had just four in the season opener. He could be poised for another big game next week against a Jaguars defense that has allowed 65 points in two contests.
|Sep. 11, 2016 7:52 AM PT8:52 AM MT9:52 AM CT10:52 AM ET14:52 GMT10:52 PM 北京时间7:52 AM MST9:52 AM EST9:52 AM CT18:52 UAE10:52 ET13:52 - Pitta (dislocated finger) will start against the Bills, according to NFL.com.
Analysis: It will be his first action since a major hip injury in 2014.
|Sep. 11, 2016 4:12 PM PT5:12 PM MT6:12 PM CT7:12 PM ET23:12 GMT7:12 AM 北京时间4:12 PM MST6:12 PM EST6:12 PM CT3:12 UAE (+1)19:12 ET22:12 - In his first game in nearly two years, Pitta caught 3 of 4 targets for 39 yards Sunday in the Ravens' 13-7 win over Buffalo.
Analysis: Pitta, who is coming off his second fractured hip, is still capable of being a solid contributor especially now that Baltimore has better receivers for Joe Flacco to work with. He should put up better numbers next week against Cleveland.


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We have no old photos of Anstey High Leys available currently. However you can browse old photos of these nearby places:
Historic maps of Anstey High Leys and the local area, hand-drawn by Ordnance Survey cartographers and Samuel Lewis.
Browse 21 photo books on Anstey High Leys and the surrounding area.


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This expertly tailored strapless romper features a boned bodice for support, a back zip, a peplum style body that drapes over the shorts, and is fully lined.
- imported
- fabric has a "silk" feel and sheen
- fits true to size
If you prefer a full value store credit request a free label here
Orders typically ship within 2 business days. Orders placed Friday-Sunday will generally ship out Monday.
We're so bummed things didn't work out for you, but here's the good news: merchandise may be returned within 30 days from the order date for a refund back to the original form of payment. You will have up to 60 days after items have been purchased to exchange for anything else on the website. Here's the fine print: you cannot just return anything! All merchandise must be returned in NEW CONDITION (unwashed, unaltered with the original tag attached, footwear must be in its original shoebox, and swimwear & bodysuits must have the hygiene liners intact.) Any return received with makeup stains, deodorant stains, stains, pet hair, perfume/detergent scent or smoke will be refused and returned to you and are subject to a shipping charge.


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Monday 21st January 2013
Last week I posted a wee piece about Four Tet and his latest album 0181 which he released for £free.99. Soon after the release he then did a 2 hour set which was streamed live by the boys at Just Jam. The set wasn't hugely promoted and so I expect a lot of people missed it or cottoned on to it too late or something. You know how these things always work.
Anyway, the stream is now viewable on YouTube and the audio is downloadable in the video description.