text:
.An a,ppllcatlon f0l.',llfe Insurance was signed December 12, 1893, when the
Oil' POLICY·
tion." The policy was Wi ted December 18th; and reqUired payment of premiums December 12th, annually, with a provision for 1 month of grace. The first premi\lm was paid !lnd pollcy delivered December 26th. December 12, 1894, a collector called 'for the second premium, and was told that insured did not Intend to keep up the insurance, but that, if he decided to do. so, he would pay the premium withIn the month of grace. He did not pay, and never objected to, or complained of, the pollcy or its terms. He dIed January 18, 1895; and a bill was filed to so reform the policy as to advance the term of insurance 6 days, making it run 13 months from December 18, 1893, and so cover the death on January 18, 1895. 'Held, that the relief must be denied, In the absence of proof that through the fraud of one, or the mIstake of both, .of the parties" the' ,policy falled to embody the prelimInary parol agreement, or that the agreement was on a valuable consideration.
'fM agent wrote on the application, "Please date policy same as applica-
agent told the applicant that one premium would carry his policy 13 months.
Appeal from the Circuit Court of the United States for the Northern District of Iowa.
This Is an appeal from a decree which so reformed five policles. of life Insuradvance the term of insurance described in them sIx days, and which ance as which occurred on the sixth day after In this way made them. cover a the policies had expired by their terms. Each of the policies was dated on December 18, 1893. each, the New Yorl, Life Insurance Company, the appellant, insuredtbe life of Franl, E.McMaster in the sllm of $1,000, for the benefit ofbls executors, lLdministrators, and allslgns, In consideration of 'his written application, "and in furthercqnsid.eratlOn of the sum of twenty-one dollars and - - . cents, to be paId in advlmce, and of the payment of a llke sum on the twelfth day of .December in every year thereafter during the continuance of thIs polic:y." .Each policy contained· these stipulations: "If any premium Is not thus paid Onor before theooywhendue, then (except as herein otherwise provided) this polley shall become vo'id, and all payments previously made shall remain the property of the company. After this polley shall have· been in force three months, a grace of one month will be allowed in payment of subsequent premiums, subject to an interest charge of five per cent. per annum for number of days during which the premIum remaIns due and unpaid. During the said month of grace the unpaid premium, with the interest as above, remains an Indebtedness due the company; and, in the event of death during said month, thIs indebtedness will be deducted· from the amount of Insurance." Each poliey was Issued upon a written application, Which was dated on December 12, 1898. The policies were delivered to McMaster, ,and the first pre"mlums were paid, on December 26, 1893. He never paId the premIums due on December 12, 1894, and he died on January 18, 1895, on the sixth day after the policies had expired. Fred A. McMaster,the administrator of the estate of the deceased, and the appellee In this case, exhibited his bIll in the court below to so reform these policies that theIr terms of Insurance should commence on December 18, 1893, and should expire at midnight on January 18, 1895, after the death of the insured. In his bill he set forth two grounds for the relief which he sought: (1) That, after the, insured had signed his applications for company wrote into them, without his these policies, the agent of the knowledge, the words, "Please date polley same as application," and the company made the annual premiums due on December 12th in each year, when they would have, been due on December 18th If those words had not been inthe contract for the Insurance was that serted in the applIcations; and (2) the insured should have policies of the kind which he received, which shouid remain In fcrce13 months from the time when the first annual premiums were paid, without further payments, aJ,ld, that the policies actually delivered. remained In force only 12 months and 17 daY$ after their delivery. The answer denied the averments of the bill,and these ffl.Cts were established by the evidence: In order to induce the insured' to make' his applications for the policies, the solio-
itor of the company told him that its policies gave him 13 months ot insurance for the first annual premium, and in answer to this direct question, "Did you, or did you not, agree for the company that they would furnish him a policy that would be good tor thirteen months, and that, In order to secure the thirteen months of insurance, all that he had to do was to pay one premium?" he answered, "Yes, sIr; I stated to Mr. McMaster that the one premium he paid carried .hispolicy for full thirteen months." McMaster signed the applications for the policies at the time of this conversation, on December 12, 1893, but he did not pay any premiuIJ;1s until December 26, 1893; and there is no evidence that, at any time before the policies were delivered, on December 26, 1893, he ever agreed to take the insurance, or to pay any of the premiums. After the applications were signed, the agent who procured them wrote into them the words, "Please date policy same as application," for the purpose of securing a bonus or extra commission which the company allowed its agents on December business. In November, 1894, written notices were sent to the insured by the company that his second premium on each policy would be due on December 12, 1894. On December 11 or 12, 1894, a collector called on him for his second annual premiums, and asked him to pay them. He replied that he did not intend to keep the Insurance In force, and did not care to pay the premiums. The collector told him that he had 30 days of grace in which to make the payments, and told him when the days of grace would expire. He answered that, if he decided to keep any of the insurance, he would come to the office and pay the premiums before that date. He did not come, and he never objected to, or complained of, the policies or their terms. Upon this rec.'Ord the decree which Is challenged by this appeal was rendered.
W. E. Odell, for appellant. F. E. Gill, for appellee. Before SANBORN and THAYER, Circuit Judges, and PHILIPS, District Judge. SANBORN, Circuit Judge, after stating the facts as above, delivered the opinion of the court. In form, this is a suit in equity to reform written contracts. In fact, it is a bald attempt to supersede written agreements with the parol negotiations which preceded and induced them. It is contended that the insurance company agreed in the preliminary negotiations that it would issue policies which would insure the life of the deceased for 13 months, in consideration of the payment of the first annual premiums, and that, either by mutual mistake or by the fraud of the company, policies were issued which insured his life for only 12 months and 17 days, in consideration of those premiums. A contract may be reformed in equity where a preliminary parol agreement is made, which fails of embodiment in the subsequent written contract throu!!"h the fraud of one, or the mistake of both, of the parties to it. But the oral agreement and the fraud or the mutual mistake must be clearly proved before any such relief can be granted. The chief difficulty with this case is that neither the oral agreement nor the fraud nor the mutual mistake are established by the evidence. It is an indispensable requisite of a binding agreement that it should have a good or a valuable consideration. If the insurance company agreed with the deceased when he signed his applications that it would issue policies which would insure his life for 13 months, in consideration of the payment of the first annual premiums, there was no consideration for that agreement, because McMaster neither paid nor agreed to pay anything for this
preliJtiiA,aryptomise. ,He merely signed' applications for policies, and paid his upon them, he was at perfect liberty to reject the insurance ancit9refuse the polio cies. Before these policies were delivered, on December 26, 1893, no suit could have been maintained against him for the premiums, or for a speCific performl:\.Dce of any agreement to take any insurance or to accept any policies, because he had never made any such agree· ment, and had neveL' promised to pay l:\.Dy premiums. Nor could he have maintained an action against the insurance company upon its agreement to issue policies that should give him insurance for 13 months, because that agreement was without consideration and void. ' There were, as is customary in life insurance cases, negotiations, butnocontract, and no intention to contract, otherwise than policies 'made and delivered' upon the simultaneous payment of the premiums; and the agreement upon which the appellee counts was nothing more than, a representation or promise, without con· sideration, as to what would happen in the future. Society v. McElroy, 49 U. S, App. 548, 28 C. C. A. 365, and 83 Fed. 631, 638; Kendall's Adm'r v. Insurance Co.,.10 U. S. App.256, 263, 2 C. C. A. 459, 461, and 51 Fed. 689, 691; Beiman v. Insurance Co., 17 Minn. 153, 157 (Gil. 127); Markey v. Insurance Co., 103 Mass. 78; Hoyt v. Insurance Co., 98 Mass. 539, 543; Markey v. Insurance Co., 118 Mass. 178, 194; 1 May, Ins. (3d Ed.) § 56. Nor is there any proof offralid'in this record. ,The fraud upon which reliance is placed here is pleaded as the basis of an estoppel. The claim is that the insurance company is estopped from denying that the/actual contracts, were; the oral agreement for insurance for 13 months from December 26, 1893, and that the, written contracts should be so reformed as to have this legal effect, becausethesolicitor promised that such would be the agreements. But a willful in· tent to deceive, or such gross negligence as is tanta1llount thereto, isan essential element of such an estoppel. There must be either some moral turpitude or some breach of duty; Bank v. Farwell, 19 U. 8. App.,256, 262, 265, 7 C. 'C. A. 391, 394,396, and 58 Fed. 633, 636,639; Henshaw v. Bissell, 18 Wall. 255, 271. The deceit of its victim, and consequent damage, are essential elements of actionable fraud. If the acts of this insurance company did not deceive the insured, or if, he was not induced thereby to change his position to his damage, no fraud which will warrant relief was perpetrated upon him. Before any cause of action for a reformation or avoidance of these policies can be maintained on the ground of fraud, convincing proof must be furnished that by some trick, artifice, or deceit of the company, the insured was induced to accept his policies, and to pay his first premiumlil, in the belief that they insured pis life for 13 months from December 26, 1893., But he received the policies on that day,and he retained them in his possession until he died, on January 18, 1895. Their provisions are plain, clear, and free from all ambiguity and doubt. They stipulate that the company insures his life for 12 months and 17 days from December 26, 1893, only, and that at the end of that time they shall become void unless the s'econd annual premiums are paid. He could not have
been deceived as to the terms or legal effect of these contracts, if he read them. It was his duty to read and know the contents of the policies when he accepted them. It is true that the evidence is that he did not read them, but the legal effect of his acceptance is the same as if he had read them. He had the opportunity to read and to learn their contents, and, if he did not, it was his own gross negligence, and no act of the insurance company or its agent that concealed them and misled him as to their effect. The statement of the agent 14 days before the deceased received the policies that they would insure him for 13 months from the payment of the first premiums was not a statement of an existing fact. It was not calculated to impose upon him, or to prevent him from reading his policies, and learning for himself whether this promise had been kept or broken. It was not a fraudulent representation, because fraud can never be predicated of a promise or a prophecy. Railway Co. v. Barnes, 27 U. S. App. 421, 12 C. C. A. 48, and 64 Fed. 80; Sawyer v. Prickett, 19 Wall. 146, 163; Kerr, Fraud & M. (Bump's American Notes) 85, note 3. Neither the company nor its agent, therefore, made any representation or promise, or used any artifice or deceit, to prevent the insured from learning the terms of his policies. Their contents were not concealed. They were not misrepresented. The deceased must accordingly be conclusively presumed to have known their terms when he accepted them. If one can read his contract, his failure to do so is such gross negligence that it conclusively estops him from denying knowledge of its contents, unless he was dissuaded from reading it by some trick, artifice, or fraud of the other party to the agreement. Railway Co. v. Belliwith, 55 U. S. App. 113,28 C. C. A. 358, and 83 Fed. 437, 440. Contracts for insurance are no exceptions to this rule. Morrison v. Insurance Co., 69 Tex. 353, 359, 6 S. W. 605; Quinlan v. Insurance Co., 133 N. Y. 356, 365, 31 N. E. 31; Wilcox v. Insurance Co., 85 Wis. 193,55 N. W. 188; Fuller v. Insurance Co., 36 Wis. 599, 604; Herbst v. Lowe, 65 Wis. 316, 26 N. W. 751; Hankins v. Insurance Co., 70 Wis. 1, 2, 35 N. W. 34; Herndon v. Triple Alliance, 45 Mo. App. 426, 432; Palmer v. Insurance Co., 31 Mo. App. 467, 472; Insurance Co. v. Yates, 28 Grat. 585, 593; Ryan v. Insurance Co., 41 Conn. 168, 172; Barrett v. Insurance Co., 7 Cush. 175, 181; Holmes v. Insurance Co., 10 Mete. (Mass.) 211, 216; Insurance ..Go. v. Swank, 12 Ins. Law. J. 625, 627; Insurance Co. v. Hodgkins, Me. 109, 112; Insurance Co. v. Neiberger, 74 Mo. 167, 173; Beach, Ins. (1895) § 414, and cases cited. The legal conclusion that the insured knew the terms of his policies, because he had an opportunity to know them, and it was his duty to do so, is in accordance with the actual fact. The proof is clear and indisputable that before December 13, 1894, he was notified that his second annual premiums fell due on December 12, 1894, and that his policies would expire on January 12, 1895, unless he paid them, and that he replied that he did not intend to keep the insurance in force, and did not care to pay them. This record therefore presents no evidence that the insurance company or its agent made any representation of which fraud can be predicated, and it presents no evidence tpat the
insured was deceived into taking his policies by anymisrepresentatimi of the company or its agent. The case is equally barren of evidence of a mistake in drafting the policies. The mistake which will warrant the reformation of a contract must be a mutual mistake. A court of equity may not reform a written agreement, on the ground of mistake, so as to impose on one of its parties obligations which he did not intend to assume when he made it. Insurance Co. v. Henderson, 32 U. S. App. 536, 546, 16 C. C. A. 390,394, and 69 Fed. 762, 767. It is conceded by counsel for appellee that the act of the solicitor of the insurance company in directing the policies to be dated on the same day as the applications was the act of the company. The agent of the company, and the company itself, therefore, intended to make the term of insurance in these policies exactly what it was made by their terms, and there was no mistake on their part in drafting and delivering the contracts. The result of a careful examination of the record is that there was no binding, legal agreement before the policies were delivered, no fraud which induced the insured to accept them, and no mutual mistake in drafting or delivering them; and the policies cannot be reformed on any of these grounds. It is strenuously insisted, however, that the statement of the solicitor of the company that its policies would give insurance for 13 in consideration of the payment of the :first annual premiums, was a conSitruction of the terms of the policies which the company is estopped from denying, in the absence of fraud and mistake, and that the is entitled to recover the indemnity promised, on this ground,whether he is entitled to a reformation of the policies or not. The case of Insurance Co. v. Chamberlain, 132 U. S. 304, 10 Sup. Ct. 87, is cited and relied upon in support of this proposition. In that case the agent of the insurance company wrote the answers of the applicant to 'the questions propounded in his application. One of those questions was, "Has the said party [the applicant] any other insurance on his life?" When the agent asked this question, the applicant told him that he had certain' certi:ficates of membership in certain cooperative societies, which he named, and that he did not know whether they would be considered insurance or not. The agent told him emphatically that he did not consider that insurance, and that the proper answer to the question was "No;" and he thereupon wrote the answer, "No other," into the application, and the applicant signed it. The company undertook to defend an action on the policy on tbe ground that this answer was false, because the applicant bad insurance in the co-operative societies;' and tbe supreme court held tbat 'inasmuch as the agent of the company, after hearing all the facts, dictated and wrote the answer, tbecompany was estopped from claiming that it was false. Indeed, it is well settled that an insurance company is estopped from against a loss on tbe ground that is avoided by a false answer in the application, where the insured 'told the agentthe truth, nnd the latter wrote the falsehood into the application himself. The false statement then becomes the statement of, the company, and not of the insured, and it may not plead its own wrong, to forfeit its policy. Laclede Mfg. Co. v. Hart-
ford Ins. Co., 19 U. S. App. 510, 521, 9 C. C. A. 1, and 60 Fed. 351; Insurance Co. v. Robison, 19 U. S. App. 266, 7 C. C. A. 444, and 58 Fed. 723; Insurance Co. v. Russell, 40 U. So App. 530, 553, 23 C. C. A. 43, 54, and 77 Fed. 94, 106; Insurance Co. v. Wilkinson, 13 Wall. 222, 225; Insurance Co. v. Mahone, 21 Wall. 152; Insurance Co. v. Snowden, 12 U. S. App. 704, 7 C. C. A. 264, and 58 Fed. 342; Kausal v. Association, 31 Minn. 17,21,16 N. W. 430; Dietz v. Insurance Co., 31 W. Va. 851, 8 S. E. 616. This rule, however, is very far from the proposition that an opinion expressed, or a promise or agreement made, in the previous parol negotiations, to the effect that the sub· sequent written contract which results from them will have a eel" tain legal effect, must prevail over the plain terms and right construction of the actual, written agreement, which is subsequently made and accepted. The former statement is based on existing facts, completely disclosed, while the latter is a mere opinion or promise as to what the future will bring forth. The former is the statement of the effect of known and existing conditions, which, if false and injurious, is fraudulent, while the latter is a mere promise or prophecy, which cannot be fraudulent, even if it is a mistake. The latter proposition is the converse of the established rule that written contracts shall prevail over the previous oral negotiations from which they reo sult. Nevertheless, it has a familiar sound. It has been repeatedly presented to, and has repeatedly received the condemnation of, this and other courts. In Laclede Mfg. Co. v. Hartford Ins. Co., 19 U. S. App. 510, 513, 520, 9 C. C. A. 1, 3, 8, and 60 Fed. 351, 353, 358, the agent of the insurance company told the insured, in the previous preliminary negotiations, that the policy upon seven boilers, which he was soliciting him to take, would certainly cover any additional boilers which the insured might subsequently acquire, provided only seven were in operation at a time. The insured took the policy in reliance upon this representation. After he had obtained it, he acquired additional boilers, one of which exploded while only seven were in operation. He brought an action upon the policy for the explosion, but it failed. This court declared:
"That the opinion tbat Eickhoff [tbe agent] expressed, or, if It could be so called, the promise that he made, before the policy was Issued, tbat It would cover all after-acquired boilers, when but seven were In use, was merged In the written contract evIdenced by the policy, and was not available to tbe plaintiff in this action, eIther as a representation, an agreement, or an estoppel."
In Insurance Co. v. Henderson, 32 U. S. App. 536, 540, 543, 547, 16 C. C. A. 39Q, 391; 393, 395, and 69 Fed. 762, 764, 766, 768, the agent of the insurance company informed the insured, in the previous parol negotiations which led to the contract, that the policy he would receive would cover his death boY assassination. The policy subse· quently delivered excepted from the risks against which it insured "intentional injuries inflicted by the insured or any other person." The insured was shot from ambush. A suit was brought to reform the policy so as to cover the risk which the solicitor had assured the But this court directed the deceased would be covered by the dismissal of the bill, and held that:
FJIlDJIlRAL ItJllPORTJIlR.
"When the risks Intended to be Insured against are clearly deserlbed In the policy, and the Insured has a full and fair oplJortunity to read the instrument, the company will not be bound by representations made by its agent, in good faith, that the polley covers risks that are not in fact Within its provisions,"
tradicting the terms of the policy itseif, like any other parol agreement Inconsistent with a written instrument made contemporary thereWith, is void, and cannot be set up to contradict the writing,"
a forfeiture; but a parol agreement, made at the time of issuing a polley, con-
In Thompson v. Insurance Co., 104 U. S. 252, 259, the policy provided that it should be void On the nonpayment of the note taken for the premium; and the supreme court held that a plea that a parol agreement was made, at the time of the giving and accepting of the note and policy, that the policy should not become void for the nonpayment of the note, but should only be voidable at the election of the company, was bad. Mr. Justice Bradley, in delivering the opin. ion of the court, said: "An insurance company may waive a forfeiture, or may agree not to enforce
In Insurance Co. v. Mowry, 96 U. S. 544, 547, the policy provided that it should be void and wholly forfeited if the premiums were not punctually paid. The agent who procured the policy agreed with the insured that the company should give notice when the premiums fell due, but this agreement was not contained in the policy. The company failed to give the notice, and the insured failed to pay the premium. The agreement. of the agent before the policy issued was claimed to be an estoppel of the company against insisting upon the forfeiture of the policy. Mr. Justice Field, in delivering the opinion of the court, said:
"All previous verbal a.rrangements were merged in the written agreement., The understanding of the parties as to the amount of the insurance, the conditions upon which it should be payable, and the premium to be paid, was there expressed, for the very purpose of avoiding any. controversy or question respecting them. * · · An estoppel cannot arise from a promise as to future action with respect to a right to be acqulred upon an agreement not yet made. · · · The doctrine has no place for application when the statement relates to rights depending upon contracts yet to be made, to which the person complaining is to be a party. He has It in his power, In such cases, to guard in advance against any consequences of a subsequent change of intention and conduct by the person with whom he is dealing. For compliance with arrangements respecting future transactions, parties must provide by stipulations In their agreements when reduced to writing. The doctrine, carried to the extent for which the assured contends in this case, would subvert the salutary rule that the written contract must prevail over previous verbal arrangements, and open the door to all the evils which that rule was intended to prevent. White v, Ashton, 51 N. Y. 280; Bigelow, Estop. 437, 441; White v. Walker, 31 lll. 422; Faxton v. Faxon, 28 Mich. 159." .
In Assurance Co. v. Norwood, 57 Kan. 610, 611, 613, 615, 617, 618, 47 Pac. 529, 532, the agent of the insurance company agreed with the insured, in the preliminary negotiations, that they should be permitted to carry $37,500 additional insurance, and promised to make out the policies to that effect. In reliance upon this agreement and promise, the insured neglected to read the policies when they were delivered. They were for $2,500 each, permitted only $32,500 concurrent insurance, and provided that they should be void if the in-
sured procured more without the consent of the company. The insured obtained $37,500 concurrent insurance, and the company de· fended au action on one of the policies on the ground that it was avoided by this overinsurance. The insured pleaded the previous oral agreement and promise, and alleged that the company was thereby estopped from making this defense. The supreme court of Kansas held that the plea could not be sustained, and that there oould be no recovery upon the policy. In Union Nat. Bank v. German Ins. Co., 18 C. C. A. 203, 71 Fed. 473, the circuit court of appeals for the Seventh circuit came to a like conclusion. In Association v. Kryder, 5 Ind. App. 430, 435, 31 N. E. 851, the solicitor of the company promised the insured in the prior parol negotiations, that the policy of insurance on his barn and its contents would insure his horses, whether they were in or out of the barn. The horses were killed lightning in the field near the barn; and, to the plea that the association was bound by the construction which the agent gave to the policy, the court answered:
''The pollcy was read by the appellee, and the representation was not of any material fact, but of a question of law, relative to the construction of the contract. The appellee had no right to rely upon such representation, and fraud cannot be predicated upon It." Burt v. Bowles, 69 Ind. 1; Clodfelter v. Hulett, 72 Ind. 137.
In Oasualty Co. v. Teter, 136 Ind. 672, 673, 676, 679, 36 N. E. 283, the represented to the insured that a policy of insurance against accidents of travel as a passenger on a public conveyance, which he was soliciting him to take, would cover accidental injuries which he might receive while he was caring for and selling a load of horses which he was about to transport to market by rall. He fell from a hayloft in a livery barn while caring for his horses in a market town to which they had been transported, but the supreme court of Indiana held that he could not recover. It is useless to review other decisions. This proposition is founded in reason, and sustained by the authorities, and it should be deemed to be the settled law of the land: No representation, promise, or agreement made, or opinion expressed, in the previous parol negotiations as to the terms or legal effect of the resulting written agreement, can be permitted to prevail, either at law or in equity, over the plain provisions and just interpretation of the contract, in the absence of some artifice or fraud which concealed its terms, and prevented the complainant from reading it. Laclede Mfg. Co. v. Hart· ford Ins. Co., 19 U. S. App. 510, 513, 520, 9 C. O. A. 1, 3, 8, and 60 Fed. 351, 353, 358; Insurance Co. v. Henderson, 32 U. S. App. 536, 540,543,547,16 C. C. A. 390, 391, 393, 395, and 69 Fed. 762,764,766; 1'hompson v. Insurance Co., 104 U. S. 252, 259; Insurance Co. v. Mowry, 96 U. So 544, 547; Assurance Co. v. Norwood, 57 Kan. 610, 611, 613, 47 Pac. 529, 53(), 531, 532; Association v. Kryder, 5 Ind. App. 430, 435, 31 N. E. 851; Union Nat. Bank v. German Ins. Co., 18 O. O. A. 203, 71 Fed. 473; Casualty Co. v. Teter, 136 Ind. 672, 673, 676, 679, 36 N. E. 283; Burt v. Bowles, 69 Ind. 1; Clodfelter v. Hulett, 72 Ind. 137; Hudson Canal Co. v. Pennsylvania Coal 00., 8 Wall. 276, 290; Insurance Co. v. Lyman, 15 Wall. 664; Pearson v. Carson, 69 Mo.
550; Insurance Co. v. Neiberger, 74 Mo. 161; Lewis v. Insurance Co., Conn. 100. Under the evidence presented in this record, the appellee cannot reo cover upon these policies, either at law or in equity; and the decree below must be reversed, and the case must be remanded to the court below, with directions to dismiss the bill. It is so ordered.
BOSWORTH et al. v. CHIC.\GO, M. & ST. P. RY. CO. et a1.1 (CIrcuit Court of Appeals, Seventh CIrcuit. February 25, 1898.) Nos. 442, 452, 453, and 454.
CAnnIERS OF GOODs-DESTRUCTION BY FIRE-DELIVERY.
A railroad operated by defendant as receIver, being wIthout yard facilities or SWitching engInes at Its termInus, In East St. Louis, entered Into a contract with a terminal company having yards and tracks and connecting with St. Louis, by which such company, for a stipulated charge, agreed to furnish to the railroad the necessary yard room and track facilitIes, and the necessary switch engines and yard men for making up and breakIng up Its freight trains. It was the custom, In operating under this contract, for the termInal company to take cars of freight arriving, and place them on Its tracks, where they remaIned untll a new waybill was furnIshed to It by the defendant, and were then transferred according to Its directions. In case of freight consIg.ned to St. Louis, It was the custom of defendant to notify the consIgnee on Its arrival, and, on receipt of dI· rectlons from such consignee,' to Issue the wayb1ll to the termInal company, desIgnating the point of delIvery. It appeared that the terminal company, to Increase Its transfer business across the rIver, had offered to dealers In barley In st Louis to hold upon Its tracks free of charge cars received by It, untll the barley should be sold, but It did not appear that defendant knew of such arrangement. Certain cars loaded with barley, the shipments being Induced hy this arrangement, and also a car, No. 1,004, consigned to a point in Alabama, came over defendant's road, and were taken by the terminal company, and placed on Its tracks, where It usually placed defendant's cars. While standing upon Such tracks, where some of them had remaIned for several days, the cars were destroyed by fire through the neglIgence of the terminal company. No wayb1lls for any of such cars had been Issued by defendant. HelrL, that as to the cars loaded with barley and their contents defendant was not liable. Woods, J., holding that, under the arrangement between the consignees and the termInal company, Which, In the absence of their dissent, was binding on the shIppers, there was a delIvery by defendant when the cars came Into the actual possession of the company. Showalter, J., concurring on the ground that the taking possession of the cars by the terminal company with knowledge that the shipment over defendant's line had been completed, and that they were to be moved over Its tracks to some poInt of delivery or connection, constituted a delivery to It as connecting carrier. Jenkins, J.,dlssentlng on the ground that there was no delivery by defendant, which relIeved him of lIability as a carrier, untll shipping directions had been given to the terminal company, that company haVing no authority to move or deliver the freight until the receipt· of such directions, and only In accordance therewioth. As to car 1,004, held, that there was no delIvery, and defendant was lIable for Its loss. Showalter, J., dissenting.
When a car load of goods Is shipped for continuous carriage over connect· Ing lines, the Initial carrier Is not relieved of responsibility by merely delivering possession of the car to the connecting carrier, but his liability for a Inss continues until he has also delivered shipping directions to the latter. Showalter, J., dissenting.
Rehearing denied AprIl 1, 1898.


text:
We are extremely pleased to announce that the merger of the Greater Union County Association of REALTORS® and the North Central Jersey Association of REALTORS® is now complete.
This merger of two great Associations brings together REALTORS® with a commonality of purpose and goals, provides the opportunity to expand your market area, make new business partners, and increase your referral sphere of influence.
You will begin to receive weekly email newsletters from NCJAR. Watch for these emails, open them; read them...it will be our Number 1 communication tool to all of you.
Feel free to stop in.... the coffee is always on!
| 910 Mt. Kemble Ave.
Morristown, NJ 07960
(973) 425-0110
Fax: (973) 425-2590
|45 Springfield Ave.
Springfield, NJ 07081
(973) 564-7644
Fax: (973) 564-5793
|375 Broad Street
Bloomfield, NJ 07003
(973) 743-5114
Fax: (973) 743-0295
|767 Central Ave.
Westfield, NJ 07090
(908) 232-9000
Fax: (908) 232-0374
Click Here to Proceed to www.NCJAR.com

subset: commoncrawl


text:
Each month, Rated People connects over 50,000 homeowners with quality tradesmen - simply enter your job details in the form above to get started.
We'll match your job to the relevant tradesmen in your area - those interested will pay to see your contact details and call you to quote.
As each tradesman expresses interest in quoting on your job, we'll send you their profile and ratings to help you choose the right one for you.
After the work is complete, return to the site and rate your tradesman based on their quality of work, reliability and value for money.
Carpenter / Joiner
Added 11/07/2017
putting together a cot and wardrobe
Carpenter / Joiner
Added 28/11/2016
3 internal doors to be trimmed to stop rubbing on new carpet
Carpenter / Joiner
Added 21/06/2013
We have just moved and need 5 pine doors to be hung inside our house as my husband had a bad...
Carpenter / Joiner
Added 04/10/2012
Hi I have a doorway/gap I want to fill with 2 doors. The gap measures with existing frame:...
Carpenter / Joiner
Added 20/09/2012
Updated : Fairly small job. Fitting and hanging external door. Original : Supply and fit a...
Carpenter / Joiner
Added 20/03/2012
Under the stairs I have a small space about 1 square metre that I want to turn into an under...
Chris was able to make exactly what we were hoping for. In a loft conversion, with awkward spaces, he was able to create a beautiful wardrobe and cupboard space, that suits the room and looks beautiful.
John did a great job - I thoroughly recommend him.
Excellent job and reasonable price, turned up on time and my neighbours now want to use the same company. Definitely use again
Very very pleased with this firm, Karen & Steve the bosses are nice people to deal with and agreed a good price .Dave the fitter was a very nice bloke and a good tradesman + him and kevin were very helpful and willing to help . A fantastic job all round. THANKS AGAIN
Reliable, friendly, easy to contact and got on the with the job quickly and professionally. I would def use them again.
Igor was polite, professional and had experience that meant he was able to give some good advice and tips with the work. He was very reliable and efficient. Would recommend and use again.
Very good you would never know they were there just got on with there worrk never stopped very clean and polite would use them again
Managing your job is easier with the Rated People Homes App, download it today.


text:
Tons of releases, years of activity, a great variety of genres with one common denominator: the music we love. Now you can subscribe to WWNBB and take advantage of the service by receiving all new releases plus a number of oldies-but-goodies from our catalog that you will receive immediately after subscribing. In addition you will have a 10% discount on all physical merch. By subscribing you are helping WWNBB and its artists in the most effective way. Thank you!
What you get:
- All the new music we make streaming instantly on your mobile device via the free Bandcamp app, and also available as a high-quality download.*
- Exclusive access to the We Were Never Being Boring Collective fan community.
These back-catalog releases:
WWNBB#091 - The Good We've Sewn Jake Bellissimo
WWNBB#019 Cold [Deluxe Edition] Be Forest
WWNBB#082 - The Lost Levels Soda Fountain Rag
WWNBB#075 - Back On My Wall Burnt Palms
WWNBB#073 - A Real Thing Love the Unicorn
WWNBB#068 - To Fade At Dusk The Yellow Traffic Light
WWNBB#063 - By the Yellow Sea Antony Harding
WWNBB#056 - Intuition Horrible Present
- A 10% discount on all our merchandise.
- The satisfaction of knowing you're supporting us in a sustainable way.
You're a subscriberThank you!
* Downloads are DRM-free and available in MP3, FLAC and more.
We Were Never Being Boring Collective
We want music to never turn into something boring for us. It would mean that we have become boring. Because music does not die with mp3′s or copyright: boredom is what brings it down, when it becomes a habit. All we need is a small do-it-yourself collective, as tiny as a simple smile.


text:
Give us a call to get our secret deals 1-800-468-3578
Property Location
With a stay at Guoguo Manor in Yuanshan, you'll be convenient to Taiwan Bowl & Dish Museum and Beneficial Microbes Museum and Tourism Factory. This guesthouse is within close proximity of Pangxie Mao Pao Park and Cing Han Bridge.
Make yourself at home in one of the air-conditioned rooms featuring LCD televisions. Private bathrooms have complimentary toiletries and hair dryers. Conveniences include desks and complimentary bottled water, and housekeeping is provided daily.
Rec, Spa, Premium Amenities
Take in the views from a garden and make use of amenities such as complimentary wireless Internet access and a picnic area.
For your convenience, a complimentary breakfast is served daily.
Business, Other Amenities
The front desk is staffed during limited hours. Free self parking is available onsite.
You must present a photo ID when checking in. Your credit card is charged at the time you book. Bed type and smoking preferences are not guaranteed.Your reservation is prepaid and is guaranteed for late arrival. The total charge includes all room charges and taxes, as well as fees for access and booking. Any incidental charges such as parking, phone calls, and room service will be handled directly between you and the property.


text:
Veggie Saugage and Eggs
Recipe by Luckis Cheesecakes
This is an easy breakfast recipe that includes pan fried 'Go Lean' brand sausage. It's super simple!
Top Review by jennifer in new jer
after reading the chef's bio, i had to try one of her recipes. first let me say how impressed i am of her and her success! secondly; let me say this recipe was deeelish. i was craving breakfast for dinner tonite and made this. follwed recipe exactly except used plain cream cheese, that is what i had. used organic eggs and fresh basil from the garden. very simple and tasty. i think cooking the eggs in the pan with the sausage really adds to the flavor of the dish. thanks for sharing and best wishes with your business!!!!
See Discussion:1 Review
Ingredients Nutrition
- 3 slices vegetarian sausages
- cooking spray
- 2 eggs
- 1 teaspoon chopped basil
- shredded cheese
- 2 tablespoons cream cheese with vegetables
- 3 tablespoons red onions
- 3 tablespoons chopped carrots
- 1 dash salt
- 1 dash pepper
Directions See How It's Made
- Pan fry veggie sausage patties with pan coated in non stick cooking spray.
- wisk eggs and remning ingredients.
- place in pan (coated with non stick cooking spray), scramble eggs.
- Enjoy.


text:
Raj Kapoor's grandson Armaan Jain who is making his debut in Lekar Hum Deewana Dil is the youngest actor for whom composer AR Rahman has lent his voice for the Khalifa track.
A R Rahman
The song was a result of an overnight jam session and Rahman thinks it's a great way to connect with the younger audience.
Armaan Jain


text:
Version: 1
This app is to help Clear Horizons, a non profit organization dedicated to helping kids with autism. Clear Horizons provides hope for children and families impacted by autism. Founded in 2005 as a 501(c)(3) nonprofit organization, Clear Horizons transforms lives by piloting, evaluating, and disseminating innovative, evidence-based resources and interventions for teaching children with autism. Clear Horizons can make the life-changing difference for a child with autism. Clear Horizons is a unique school geared to helping children with autism. By installing this free app, you instantly provide funds to the school every time you purchase something from Amazon.com (from their pocket, not yours!). Amazon has agreed to donate 5-10% of the purchases made by you and others using this app to Clear Horizons. In addition to donations from Amazon, Clear Horizons also hopes to receive funding from Vivint.com. This app will add a small button to your Facebook homepage to remind you to endorse Clear Horizons. By endorsing them, you help raise their chances of receiving significant funding from Vivint. So click the button to endorse them every day! To install the app, just click the blue "Install" button above and follow the steps. Once installed, your Amazon purchases will automatically begin making donations on your purchases and a yellow button will appear on both your Google homescreen and Facebook homepage reminding you to endorse the school. If you have any questions, please contact the developer and he will be happy to answer those for you. Thank you for helping raise money for the kids at Clear Horizons! Please share this with your friends and family by clicking the Sharing options to the right.
App Images


text:
Skip to comments.PICKET: Dem Congressman - 'If it takes lawsuits to get work opportunities, then so be it'
Posted on 09/21/2011 3:17:24 PM PDT by paltz
The push from federal lawmakers to protect the unemployed from discrimination has heated up considerably since Congressman Louie Gohmert, Texas Republican, went to the the floor of the House last week and highlighted a portion of President Barack Obama's jobs bill that prohibits employers from discriminating against potential employees as a result of one's unemployed status.
"We are adding in this bill a new protected class called 'unemployed.' Titled on page 129 prohibition of discrimination in employment on the basis of an individual's status as unemployed and it says right here in the findings, '...that we find the denial of unemployment opportunities to individuals because of their status as unemployed is discriminatory and burdens commerce,'" Congressman Gohmert said in disbelief.
He then added, "So the good news is if you're unemployed and you go and apply for a job and you're not hired for that job, see a lawyer. You may be able, to file a claim, because you got discriminated against, because you were unemployed."
Democrats, seeing the high unemployment numbers working against the president as well as their own political survival, continue to push the idea that the unemployed are constantly discriminated against by the private sector and need protection from the government.
(Excerpt) Read more at washingtontimes.com ...
"I dont think the [Obama Jobs] bill created [the unemployed.] I think the Bush tax cuts created it. Theres a class of unemployed people, but obviously the bill did not create the class," Congressman Danny Davis, Illinois Democrat, told me on Tuesday evening.
Don't you just love that? The Bush tax cuts created the current unemployment. Sometimes I think being a democrat must be a truly wonderful thing. You are free to wonder around completely divorced from reality. You can have you're own world where anything is possible.
So employers will now have to hire the unemployed ahead of everyone else to avoid lawsuits and Federal sanctions. That will force either less hiring or the hiring of less than optimal employees which will detract from the employer's bottom line which will cause him to hire fewer employees in the future or will cause him to go out of business. It all adds up to a higher unemployment rate and businesses refusing to even "see" job applications from unemployed people thus reducing their opportunities to get re-employed. That's what has happened to Negros. Many employers make sure they do not even see their applications because they know it will be difficult and/or expensive to fire them if it becomes necessary. In at least some job categories women's protected status has the same effect.My own occupation has become whiter and manlier over the last 5 years, at least, because of these things. Currently there seems to be no problem with hiring currently unemployed people. That would change, too.
The 'real' good news is that almost every 'grievance' lawyers will be busy suing the US Military for 'discrimination' against homosexuals. Don't ask, don't tell is over - the new policy is 'Sue if you're Gay and did NOT get YOUR promotion'... I mean there's only so many lawyers, right?
A classic case of "There oughta be a law!" It's seems inherently unfair to everybody that an an employer could say "Unemployed need not apply." That's just wrong! So let's pass that law. Nobody EVER looks at unintended consequences.
Whoop, there it is. This should bring hiring to a screeching halt.
I wouldn't even grant an interview to someone who is unemployed if my not hiring them would result in my being sued.
Consider that door shut.
Employers will not bother to post jobs or just not hire in this country. It might even be safer to hire illegals, unless of course, they could utilize this litigation approach.
What will the unemployed want next? Unemployed marriages? Repeal of Don't ask, don't hire?
Here is the job description. AND, Don't send me any (fill in the blanks).
Human Resource departments do widely discriminate against applicants the longer they've been out of work.
Chronically unemployed are seen as tainted and shuffled to the bottom regardless of job qualification.
I understand. Believe me. I do. However, legislating an answer to the problem is not a solution, though. It's simply makes it worse, in fact. If an employer risks being sued for firing a staffer (for whatever work related for cause reason) who is part of a protected class, why bother hiring that individual to begin with and risk the liability?
If anything, the federal government is giving less protection to those they purport to be protecting.
In this case, employers could be concerned that if they don't hire someone who is currently out of work, they'll be sued. So why should their pool of applicants include the unemployed if the employer risks that lawsuit(s)? Nobody's winning anything here except the trial lawyers and the Dems they give money to, which this legislation is a pay off to.
When everyone's a protected class, no one's a protected class.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


text:
Last Updated: 8/18/2017 6:57 PM
Description for 1074 Sibley Boulevard Calumet City, IL 60409
Great location, Lots of Traffic. This building is perfect for office/retail space. 1, 2, or 3 units are available take 1 unit or all three. New heating and air system as well as a new roof. Build out the unit the way you want to. Ample Parking available. 3 year lease. Call and schedule a showing today!!
Rent Price: $2
Active Rental
Listing Information
Concrete Foundation
Room Information
Interior Features
Central Air
Forced Air
Exterior / Lot Features
Flat, Rubber
City Road
Driving Directions
From I-94 go east on Sibley BLVD. Property is located right across from the bowling alley.
Listing Price History
Calumet City Real Estate
Calumet City is located in Illinois. Calumet City, Illinois 60409 has a population of 37,031.
The median household income in Calumet City, Illinois 60409 is $39,530. The median household income for the surrounding county is $54,828 compared to the national median of $53,482. The median age of people living in Calumet City 60409 is 35.3 years.
Loading nearby sales and history ...
Ask a Question?
Start a no spam email conversation
Nearby homes for sale
Calumet City Real Estate
Nearby Communities


text:
"Great commission pay scale"
- Work/Life Balance
- Career Opportunities
- Comp & Benefits
- Senior Management
Pure meritocracy, you are payed 100% according to what you deserve. Only 4 months of work but during those 4 months a person can make multiple times what he or she would otherwise make in a year, especially if still in school full time. Even 10 or 20 times more. The sky is the limit if you are good at it and work hard.
It's hard work, gives up most normal "fun" a college summer experiences for 4 difficult months of work.
Advice to Management
keep innovating
Great income potential. It is straight commission so you must be able to handle that, but the income opportunities are amazing. You work for 4 months per year and can make $0, or i have seen people make over $150,000 in their own commissions not including any management overrides.
Some sales managers aren't prepared for the job. APX will allow anyone who has proven themselves as a salesman and can recruit a team of salesman to be a sales manager. Not all good salesman and recruiters make good sales managers.
Advice to Management
Managers need more management training. They are all great salesman or they wouldn't have the position.
Great benefits.
Flexible work schedule.
Eat free at the in-house cafe.
Friendly people.
Can advance in the company even at a young age.
Above average pay for the area.
Encourage creativity
If you work in the call center you will deal with angry people other than that working in other departments is great.
Advice to Management
Keep changing and focusing more on customers and being customer friendly then getting sales.


text:
Maybe they were below your league and you disn't find them attractive but somehow you ended up daing them and were pleasantly surprised?
Or maybe they were way above your league and you never thought you'd date thewm because of that - but somehow your dream came true.
- Yes.Vote A
- No.Vote B
- Just checkin' answers.Vote C
Most Helpful Guy
I dated a stripper. It was a horrible experience. I told myself never again, and I was stupid to ever do it in the first place. I never thought I'd date a stripper. I never went into the club with the goal of picking one up or anything. The night I met her, I was only showing up to pick up my drunk friends who couldn't drive.
Of course history repeats itself. Now I'm dating a girl that was a stripper at the same club that I met around the time I met the other one. Though she's a lot different than the first one. She dumped her abusive boyfriend, quit dancing (he's the one who got her into it, so he could leech off her and not work), moved back to where her family is (about 80 miles away), lots of stuff. That's when I decided to consider her. I saw her improving her life and getting out of the darker side of things. So far things are great.10|10|0


text:
So, recently I've been digging around and discovered a gigantic toy line that probably deserves a page here. I've known for a long time that the infobox images we used for Legion and Iris were actually toys, but I just now got around to fixing it. I've always been curious what toy line they were from, and now I found out that they are part of the "SF Movie Selection" by Konami. It's apparently an absolutely massive toy line that covers everything from kaiju films to the Alien films to Star Trek. Each different franchise has multiple "volumes," which consist of six or so figures. The Gamera series has had several volumes, and there are a lot of other ones that just include tons of other kaiju like Gappa, Daimajin, and Guilala to name a few.
The Gamera lines are pretty interesting, since as we know one of the volumes actually has its figures sometimes mistaken as actual images of the monsters. Our page Gamera: The Brave (Konami Toy Line) is actually one of these volumes. From what I've gathered, there are at least three Gamera volumes. Volume 1 includes Gamera 1999, Flying Gamera 1999, Gyaos 1995, Mother Legion, Soldier Legion, and Iris. Volume 2 includes all radically redesigned and updated Showa kaiju: Gamera 1965, Gyaos 1967, Space Gyaos, Guiron, Barugon, Viras, Jiger, and Zigra. The Gamera: The Brave volume includes Avant Gamera, Red Gamera, Baby Toto, Adult Toto, Zedus, and Original Gyaos.
The reason I made this blog is because I'm having a hell of a time figuring out things about this toy line. I'm not exactly sure on what these figures are. They seem to be randomly packaged and sold individually. I'm seeing multiple different box designs for Volume 1., one is called SF Movie Selection Giant Monster Gamera Vol. 1, and the other is SF Movie Selection Gamera: The Guardian of the Universe. I'm not sure if they are in fact the same volume (they seem to be), and if they are variants or re-releases of each other. The Gamera: The Brave line doesn't seem to be numbered and just includes the film's title. Then there's also the tons of kaiju volumes that include obscure kaiju and yokai (some of which I can't identify) along with some Gamera kaiju, including Baby Iris and Baby Barugon. I think we need to make a page just called SF Movie Selection (Konami Toy Line) and include all of the volumes that include kaiju that are documented on this site. The problem is, this is a lot of information that I'm still not clear on and I highly doubt I can do it alone. So, if anyone wants to help me get the details about the line straight and identify some of the yokai that are featured in volumes along with Daimajin very frequently, I would appreciate the help.


text:
Find the secret to creating the highest quality sound that will make you realize what you've been missing. Because audio CDs from song artists are large and clumsy to carry around, they are becoming less popular. Digital downloads are increasingly becoming the trend today; however, most websites only provide compressed lossy file formats such as mp3 downloads. These mp3 file formats lose some sound detail due to a file compression algorithm used, and you wont have the studio-like sound from audio CDs. So you maybe wondering if there's a file format that that can capture all the details of the music. You're in luck as the Free Lossless Audio Codec (FLAC) will be your new best friend.
So now that you know how great FLAC is, you'll want to know how to take CDs and turn them into FLAC files. Here's an easy short tutorial on how to convert your audio CDS into FLAC.
Convert all your audio CDs into FLAC
Before we start we must tell you that you'll need the right hardware. Here is a list of hardware you need to perform this task:
- A-lot of Hard-drive space (FLAC files are roughly 16mb depending on time)
- A DVD/CD writer drive.
- Audio CD from your favorite musician.
So if you got all of these parts, then continue to the next step.
First, you'll want to install an awesome audio player called "foobar2000". You can download it here. You'll want to download the latest stable version.
Once downloaded, start the installer, and follow the instructions on the screen.
Once you have installed Foobar2000, you'll also want to download the converter–FLAC.exe. You can find it here. Make sure you know where you installed this file as it will be important later.
So next, start Foobar2000 and click file "Open audio CD.."
Select your DVD/CD-Rom Drive, and click Rip. Your CD/DVD rom drive should spin and you'll be brought to a new screen.
Select the songs you'd like to convert to FLAC on this window. Also, if you'd like to rename the file information, you can do so in the track information window. When you're done, click "Proceed to the Converter Setup Dialog".
Next you'll be brought to this screen. The default output format is WAV which is good, however we want it in FLAC format. Click "Output format" link.
Click FLAC and then "back".
You'll be back at the overview screen. Now make sure that under the Output format link, it says FLAC, and click Convert. Then an windows explorer window will pop up and ask you the destination for these files. You make that choice, and when you're done you'll be ask to locate FLAC.exe which you needed to download and install from the beginning of the tutorial. So when you've located the FLAC.exe file, click "open" .
This window will pop up when it's done you'll have a few files that have a .flac extension at the end of the file. These are Flac files, and you'll find that your windows media player may not open these files. That is because Windows Media player does not have the codec needed. So if you want to play FLAC files on windows media Player, then download and install the madFLAC codec. However; we love the foobar2000 player due to it's simple and low footprint design. Since it comes with native FLAC support, we recommend it as our primary music player. If you use iTunes; there is a way to convert these CDs or FLAC files into m4a files. These Files are Apple Lossless files and is equivalent to FLAC or the CD sources. If you need any help, feel free to drop us a comment below. After this, you'll want some great headphones to listen to the great sound of FLAC.


text:
In the US, there are many types of mortgage loans which have been created specifically to help and fulfill the needs of citizens from different walks of life. Among these loans come the Veterans Affairs (VA) home loans which had officially been introduced under the Serviceman's Readjustment Act towards the end of World War II. Once a person finds out about this type of loan, they often want to find out their personal VA loan eligibility status.
This home loan program was specifically designed for people serving in the US military and since its inception has helped more than 20 million veterans and active-duty service members achieve their dream of home ownership. This VA loan entitlement allows lenders to extend financing to eligible veterans on exceptional terms and rates, such as 0% down payment and low monthly rates, etc.
So, do you want to check your VA loan eligibility? Well, in order to determine eligibility, certain service and entitlement requirements have to be met as well as a few property and credit and income requirements. Today, we will be discussing all these important factors which contribute towards your VA loan eligibility.
Service Requirements For VA Loan Eligibility
Basically, the service requirements fall under two categories, which are: peacetime and wartime. According to the VA home loan laws, potential buyers must satisfy only one of the service requirements. So, what are these service requirements? Well, in order to apply for a VA loan, the veteran must have served 181 consecutive days of service during peacetime or 90 consecutive days during wartime. National Guard members and reservists have to complete at least 6 years of service. Spouses of military members are also check into their VA loan eligibility status but have to meet certain income and credit criteria.
Certificate of Eligibility (COE)
Applicants who meet the basic service requirements mentioned above must first obtain a Certificate of Eligibility in order to apply for a VA loan. Please note it isn't necessary to get your COE to start with the VA loan process, but it is better to determine whether or not you are eligible in the first place. So, what is the purpose of the COE? Well, as the name implies, this certificate is your evidence that you are eligible to receive VA home loan benefits and is a crucial step in determining your VA loan eligibility.
So, how can one obtain a COE? Well, you can obtain this certificate through the Department of Veterans Affairs online at the VA e-benefits portal, or by mailing form 26-1880 and 26-1817 to the VA department. However, according to the Department of Veterans Affairs, veterans are encouraged to ask their VA-approved lender to determine eligibility, as they have direct access to the Web LGY, an internet based application that allows approved lenders to verify your eligibility within seconds.
VA Loan Eligibility Property Requirements
VA home loan benefits are only offered for owner-occupied properties. But of course, VA home loans apply for any and all shapes and sizes of homes, from single-family homes to townhomes and condominiums. Single-family homes are the standard when it comes to applying for a VA loan. However, many other types of housing can also win VA approval, including modular homes, new construction homes, townhomes, and condominiums. Please note not every townhome and condo is eligible, as for these properties to be eligible, the entire complex has to meet certain VA loan eligibility requirements.
Credit and Income Requirements
Credit and income is one of the most important factors in regards to VA loan eligibility. According to the VA Home Loan laws, in order to qualify for a loan, the veteran must have a steady and ample income and satisfactory credit. Please note the Department of Veterans Affairs does not directly impose any credit score restrictions, but most VA-approved lenders will look for applicants who have a credit score over 620.
For the income, since the VA department works to protect potential buyers, the debt-to-income ratio is calculated to ensure the buyer can afford the mortgage they are applying for. According to the laws of the Veterans Affairs, veterans should have a debt-to-income ratio of 41%. But nevertheless, since it is a VA home loan, potential buyers are given flexibility in terms of the DTI ratio as well. If your application is accepted even after you DTI ratio is higher than the acceptable limit, the mortgage underwriter has to justify the reasons for the approval.
VA home loan benefits are for both repeat and first-time homebuyers. This means even if you have obtained a VA loan in the past, you can still be eligible for another loan. In addition, it is also possible for qualified veterans to have more than one VA loan at the same time, but it all depends on your credit and income and amount of entitlement. If you have a 'Full Entitlement', you can be eligible for a home loan of $420,000 or more. However, please note the loan amounts can vary based on each borrower's ability to repay and the amount of entitlement.
So, now that you are familiar with the factors mentioned above, determining your VA loan eligibility for a won't be a problem.


text:
|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|"Simon Willnauer (JIRA)" <j...@apache.org>
|[jira] Updated: (SOLR-2026) Need infrastructure support in Solr for requests that perform multiple sequential queries
|Thu, 05 Aug 2010 15:33:16 GMT
[ https://issues.apache.org/jira/browse/SOLR-2026?page=com.atlassian.jira.plugin.system.issuetabpanels:all-tabpanel ] Simon Willnauer updated SOLR-2026: ---------------------------------- Attachment: SOLR-2026.patch Karl, this improvement sounds perfectly reasonable to me. The usecase could indeed help many people who have to run search requests including multiple queries without doing another roundtrip and sending results from previous queries back and forth. I modified your patch a little bit and marked bw stuff as deprecated. I also added replacements for those methods as well as simplifying some of the code. I didn't run all the test yet but the tests I added for this issue pass. I attach my current status and run complete tests tomorrow! Simon > Need infrastructure support in Solr for requests that perform multiple sequential queries > ----------------------------------------------------------------------------------------- > > Key: SOLR-2026 > URL: https://issues.apache.org/jira/browse/SOLR-2026 > Project: Solr > Issue Type: Improvement > Components: SearchComponents - other > Reporter: Karl Wright > Attachments: SOLR-2026.patch, SOLR-2026.patch > > > Several known cases exist where multiple index searches need to be performed in order to arrive at the final result. Typically, these have the constraint that the results from one search query are required in order to form a subsequent search query. While it is possible to write a custom QueryComponent or search handler to perform this task, an extension to the SearchHandler base class would readily permit such query sequences to be configured using solrconfig.xml. > I will be therefore writing and attaching a patch tomorrow morning which supports this extended functionality in a backwards-compatible manner. The tricky part, which is figuring out how to funnel the output of the previous search result into the next query, can be readily achieved by use of the SolrRequestObject.getContext() functionality. The stipulation will therefore be that the SolrRequestObject's lifetime will be that of the entire request, which makes complete sense. (The SolrResponseObject's lifetime will, on the other hand, be limited to a single query, and the last response so formed will be what gets actually returned by SearchHandler.) -- This message is automatically generated by JIRA. - You can reply to this email to add a comment to the issue online. --------------------------------------------------------------------- To unsubscribe, e-mail: email@example.com For additional commands, e-mail: firstname.lastname@example.com
|View raw message


text:
Pistons Mailbag - Monday, April 23, 2012
We reserve the right to edit your question for the sake of brevity or clarity.
Page 1 | Page 2
David (Troy, Mich.): The Pistons just don't get it. I don't want to hear that "they are competitors." When you are out of the playoff race, play your rookies and lose games. Joe D will end up picking in the 8-10 range like he does every year and pick a middle-of-the-pack player, keep bringing the band back together and we'll be talking about this again next season. It's clear he doesn't have a plan for this team.
Langlois: Like he does every year? Did you forget the seven straight 50-win seasons and six straight trips to the conference finals? When that streak was snapped two years ago, only two teams – San Antonio and Dallas – had playoff streaks as long as the Pistons did and both, obviously, had the benefit of a no-brainer Hall of Famer at the core of their teams. In their two trips to the lottery, the Pistons, I would argue, have done significantly better than "middle of the pack" players in getting Greg Monroe and Brandon Knight. If they can get another one at that level out of this draft – and, though there are no guarantees, it's regarded as a strong draft and picking in the top 10 should get them a player of similar impact – they'll be well on their way to another extended playoff run. That's the plan – add another really good young player to a core that includes Monroe, 21, Knight, 20, and Rodney Stuckey, who just turned 26 last week. I get that fans accustomed to the Pistons playing deep into the spring are disappointed at not making the playoffs, but anybody who paid attention to them this year can see the promise that took form under Lawrence Frank. Success in the NBA is cyclical. The Pistons are not far removed from a great run. When those run their course, it takes time to build it back up. In some cases, it takes a generation. But Joe D nailed it with his lottery picks the last two years and that's the surest way to lessen the term of transition. He's 2 for 2. If he goes 3 for 3, the playoffs will be very much in play next season. As for your suggestion they should lose games, I'm not a fan. When do you start tanking? Should they have started that two weeks ago when they were officially eliminated from the playoffs? Doing so might have increased their chances at getting the No. 1 pick from the 2 percent to the 4 percent range. Many scouts believe that in his draft, if you're not drafting No. 1 – Anthony Davis – you're better off picking lower in the lottery than up high. There's a decent chance you'll get the same type of player at far less of a cap commitment. Then there's the larger issue: the value of winning. Winning the type of game they won Sunday night – beating Toronto when they scrapped to score 29 first-half points – are the humble stepping stones that turn lottery teams into playoff teams and playoff teams into title contenders.
Johnny (@johnmstanley): If the Pistons can't unload both Charlie V and Ben Gordon, which player do you think Joe D is more likely to amnesty?
Langlois: I don't think that's a decision the front office has come to yet, Johnny, and my best guess is that they will not be exercising the amnesty clause. The Pistons aren't flirting with the luxury tax and both players have just two years remaining on their contracts. Though it's true that neither has fulfilled expectations during their first three years, Gordon clearly has a role and Villanueva likely would have had a similar one if not for the ankle injury that kept him out for a half-season; when he was ready to return, the Pistons had turned a corner and Lawrence Frank was reluctant to mess with the rotation. If Villanueva maintains the level of conditioning he achieved while rehabbing into next season, I fully expect he'll have a role. If those two are reasonably productive next season, they will repair at least some of their trade value and – with their contracts that much closer to expiration – they would become appealing to a broader range of trade partners. Now, if the Pistons were convinced there was a great free agent sitting out there who was inclined to play for them, and using the amnesty clause would be a way to make it work, then the front office would of course consider that avenue. It seems unlikely to happen this summer, though.
John (Hexham, England): Do you think if the Pistons draft as well in 2012 as they have the past two years in picking up Monroe and Knight, and also having Stuckey and Jerebko as young core players, this might have a strong influence on persuading Singler to return from Europe? Does having the potential to reach the playoffs and compete for an NBA championship help offset the money he might give up by coming to the NBA?
Langlois: Only Singler can really answer that question, John, but my guess would be that the only way the draft might weigh on Singler's decision would be if the Pistons wind up drafting a small forward. Say, for example, that Harrison Barnes would fall to them and the Pistons – perhaps then in a similar spot as a year ago, when they were expecting to draft a big man but couldn't pass on the value Brandon Knight represented at No. 8 – decided he was the best pure basketball player on the board. Then he might have some second thoughts about coming to a team with an entrenched veteran, Tayshaun Prince, plus a lottery pick waiting in the wings – with Austin Daye still in the picture, as well. By and large, I think the biggest factors influencing Singler's decision will be his desire to play in the NBA and the amount of money he might have to leave on the table in Europe by doing so.
Erges (Tirana, Albania): Another Jared Sullinger question. His body and rebounding remind me of Kevin Love. What I don't remember is whether Love faced the same questions about his lack of athleticism and getting his shot off. Do you think the analysts are making a mistake with Sullinger. After all, Greg Monroe had difficulty getting his shots off in the first few months of his rookie season, too.
Langlois: I had a personnel executive scoff at the notion last week that scouts are holding up Love as an example of why Sullinger would succeed. He didn't think the comparison held much credence, though there were significant questions about Love's below-the-rim qualities when he was coming out of UCLA. But scouts thought Love just needed to shed baby fat and get in shape, which he's done. Sullinger lost a ton of weight between his freshman and sophomore seasons but it didn't seem to make much difference for him. Their basic stats from college are strikingly similar – Love averaged 17.5 points and 10.6 rebounds as a UCLA freshman, Sullinger 17.2 and 10.2 as an Ohio State sophomore – but scouts have serious questions about Sullinger's ability to move his feet defensively, especially on the pick and roll. Another personnel executive told me that he thinks predraft workouts for Sullinger will be more critical than usual for a lottery pick. Teams will want to match him up against athletic big men in workouts to see how he responds, he said.
Paul (Essexville, Mich.): With so many lottery teams either tied or within a game of each other, if more than two teams finish with the same record how is draft order determined? I know if two teams are tied they flip a coin, but what about when multiple teams are tied.
Langlois: Tim Frank of the NBA told me that it's the same procedure regardless of the number of teams that own the same record – a drawing will be held within a day or two after the regular season ends. In cases where the teams are dividing up a sum of combinations not divisible by three, the drawing will determine who gets the extra picks. For instance, if the sixth, seventh and eighth spots need to be determined by tiebreaker, those three teams would have a total of 134 lottery combinations – or a combined 13.4 percent shot at the No. 1 pick. But two teams would get 45 four-digit combinations and one would get 44. That's what the drawing prior to the lottery would determine, as well as the order those teams would draft should they not draw a top-three pick.
Stephen (Den Haag, Netherlands): What happened in the Atlanta and Cleveland games? I wasn't able to watch, but the box scores looked absolutely horrible. We were really seeing improvement and it was fun to watch and read about the team the past few months. Are we tanking?
Langlois: If the Pistons were tanking, they started a few weeks too late, Stephen. No, they weren't tanking. Joe Dumars has been perfectly clear on this going back to 2009-10 when the Pistons' playoff streak was snapped. He simply can't fathom the thinking behind tanking and if he did, he's got the wrong coach in Lawrence Frank, whose face twists in disbelief when the subject is broached. What happened in the Atlanta and Cleveland games was a team running on empty. Those were the final two games in a stretch that saw the Pistons play six games in eight nights. They were gassed, pure and simple.
Page 1 | Page 2


text:
All Tags
FamousWhy Editor: Windows Media Player gadgets is a software that plays Windows Media Player in a small skin. Its features include :
- Compacts the controls of Windows Media Player.
- Works with the latest versions of Media Player.
Why do we recommend this software?
We recommend this software because it packs Windows Media Player in a smaller space to save screen space and maintains the same quality of audio and features of the media player.
Why is this software famous?
This software is famous as a tool for compacting the view of Windows Media Player.
Publisher: Edri
Tags: media player, video player,
From Windows Widgets Category:
Of All:


text:
Science Centre Enrichment Activities
Awards have been made to small consortia of 3 – 4 science and discovery centres/museums in the UK for enrichment activities. These enrichment activities are to be supported with pre- and post- event resources, which can add value with respect to both Government objectives and science centre missions.
These enrichment activities are composed of either:
- activities conducted on-site at science centres, targeting youngsters at the end of primary school, at the key transition point when they can 'switch off' from science
- outreach activities conducted off-site by young enthusiastic role models, targeting areas and schools that rarely make a visit to a science centre
Funding has been provided jointly by the Office of Science and Innovation (OSI) and the Department for Education and Skills (DfES).
The projects
Northern Outreach
Science centres and teachers facilitating KS2/3 transition
Parents and science engineering ambassadors as outreach presenters
Projecting science
- At-Bristol
- The Porthcurno Telegraph Museum
- Science Learning Centre, South West
This is an outreach project that will pilot an integrated approach to providing enriched learning opportunities for science enquiry and investigation at Key Stages 2 and 3.
The model supports learning through a variety of approaches, including CPD, written materials, outstanding mobile interactives and inspiring people. Investigate-uk will pilot a model of rolling out mobile interactives sets to schools across the southeast and southwest, and evaluate the economic, logistic and pedagogic aspects of the model.
Northern Outreach
- The Centre for Life
- Eureka! The Museum for Children
- Museum of Science and Industry in Manchester
- Ryedale Folk Museum
This project will deliver outreach in the form of curriculum-linked science shows performed by young role models of scientists visiting schools across the North of England that have not been able to take up other STEM opportunities. To support this activity, assistance will be given to teachers in developing their science communication skills and awareness of the resources offered by science centres and museums in the region.
The partners in the consortium will work together to pool their science show resources, train staff and develop new shows and teacher support materials, and will be working with Science Learning Centres and other relevant organisations to identify and reach appropriate schools and to provide supporting INSET.
Science centres and teachers facilitating KS2/3 transition
- Science Oxford
- Techniquest
This consortium will develop a model for a project to help students and teachers with the transition from primary to secondary schools. This will be achieved by developing a linked experience for both pupils and teachers, with a range of benefits and spin-off potential. The consortium will develop KS2 and KS3 presentations on Forces which will be presented to Year 6 (KS2) pupils in summer term and to the same pupils in the autumn term when they are Year 7 pupils (KS3). The KS3 show will build on the content of the KS2 show.
The consortium will work with teachers of KS2 and KS3 pupils to develop pre-and post-visit materials to support the presentations. They will also develop and deliver a continuing professional development course for teachers to introduce the presentation and associated materials.
Parents and science engineering ambassadors as outreach presenters
- The Observatory Science Centre
- Science Museum
- Techniquest
In this project, the consortium will work together to develop a model to identify, recruit, train and evaluate pools of science show presenters. The presenters will be parents and science and engineering ambassadors drawn from schools and businesses in their regions. A new KS2 outreach show will be developed by the three centres based on tried and tested demonstrations. Alongside this, pre- and post-visit materials will be developed by practicing teachers. The presenters will be trained to deliver this show, and support the pre- and post-visit resource materials.
Projecting science
- Inspire Discovery Centre
- Techniquest@NEWI
- Thinktank Birmingham Science Museum
Using state of the art digital technology and inflatable domes this consortium will immerse upper Key Stage 2 and lower Key Stage 3, hard to reach students in the awe and wonder of science. Three new interactive shows will be created featuring biology, physics and astronomy enabling students to journey inside human cells and then visit the stars without even leaving their schools.
The shows will be developed using the expertise and experience of all three centres and will reach the schools that wouldn't usually benefit from the experience and enthusiasm of professional science communicators. Pre- and post-visit support materials and CPD will be provided to teachers to ensure both teachers and pupils receive the maximum benefit from this unique learning experience.


text:
Question: Sorrento Furniture Company manufactures unfinished oak furniture Sorrento uses a
Sorrento Furniture Company manufactures unfinished oak furniture. Sorrento uses a standard cost system. The direct labor, direct materials, and factory overhead standards for an unfinished dining room table are as follows:
Determine the standard cost per dining roomtable.
View Solution:
Determine the standard cost per dining roomtable.
View Solution:
Answer to relevant QuestionsStaples, Inc., is a leading office products distributor, with retail stores in the United States, Canada, Asia, Europe, and South America. The following financial statement data were adapted from recent financial statements ...The amounts of the assets and liabilities of Utah Travel Service as of April 30, 20Y6, the end of the current year, and its revenue and expenses for the year are listed below. The retained earnings were $300,000, and the ...The management of The Hershey Company has asked union workers in two of its highest cost Pennsylvania plants to accept higher health insurance premiums and take a wage cut. The workers' portion of the insurance cost would ...The following data relate to the direct materials cost for the production of 15,000 automobile tires:a. Determine the price variance, quantity variance, and total direct materials cost variance.b. To whom should the ...Marriott International, Inc., provides lodging services around the world. The company is organized into the following four segments:North American—Full Service: Marriott and Renaissance Hotels.North American—Limited ...
Post your question


text:
Last Updated on 2 July 2012, Company: Kaspersky Lab
Kaspersky Anti-Virus for MS ISA Server is an anti-virus system for checking files incoming into a local network via Microsoft Internet Security and Acceleration Server. The program operates as a filter intercepting all data exchanged via HTTP and FTP, detecting suspicious objects within the general data stream and analyzing them for viruses. The program uses a flexible system of anti-virus protection settings.
Features: Scans HTTP and FTP traffic for viruses; Manages MS ISA Server load; Updates anti-virus signature every three hours automatically; Uses Microsoft Management Console for management purposes; Create groups of users in accordance with the adopted network policy
Great product
This is the only product I would recommend to anyone. I guess everyone know that the Kaspersky Av filter is by far one of the best in the industry
Avrone Information Technologies
The Product seems to be good
I tested the product and seem to be really good
I believe this is one of the best single engine AV products for ISA server.
Even multi Engine products use Kaspersky AV engine
Softlogic Engineering
ISA is drek
Flakey...I would install GFI Download blocker first and fob off the Isa Antivirus. It is crap and I get NOWHERE with the support. Did I say no where? I mean absoloutly no where. The support sucks. Best of luck runnning the support on your own. It is better than the junk from CA.
Eclipse Computing Australia


text:
You're going to want to grab a cup of coffee.
And while you're at it, close your 4000 browser tabs, forget about your inbox pings, and take a few deep cleansing breaths.
Let's get focused on what you really want for your business and your extraordinary life.
You don't have to white knuckle ride your way to success (with a side order of burnout). That death grip you have on your goals is suffocating your bold dreams and clouding your vision.
You know that goal you're hustling hard to smash? Your achievements don't matter if you're too exhausted or too zoned out to enjoy them.
And here's what nobody's telling you…
The less you work, the more space you create, the more you ease up on yourself...the more you will earn.
SO, this isn't just about doing the strategic work. That's about 10% of the equation. The other 90% is about doing the DEEP, transformational work to become the person who leads at this level and executes on the strategy.
I'm a born leader raised by an entrepreneur. The family business called to me when I was 16. There's a lot you can learn from dinner table conversation and lurking in office corners. My best business lessons have been from my failures, like the six-figure start-up that went belly up.
Almost two decades of running businesses, developing leaders, and coaching for high performance has taught me that there's a cost to constantly running on the high achiever hamster wheel:
You eventually burn the hell out! And ladies, burn out isn't sexy (trust me!).
Workaholism (Yeesh, there, I said it), is one of the most acceptable addictions of our time.
But not anymore. Not on my watch.
It's time to weave practical business strategy, mindset mastery and energy work to create the magic you need to pump up your profits with ease. It's time to make the conscious choice to become the woman who leads at a much different level..
This requires a level of personal leadership most people aren't willing to commit to -- specifically, bold leadership - it's a way of being. It's a way of balancing. And while most people will tell you balance is bullshit, it's not.
Balance exists in a realm that's waiting for you to enter.
I'm both practical and spiritual. I believe we can manifest anything we want BUT we have to take intentional action. We need both masculine and feminine energy. We need both structure and flow.
This is where we begin to intersect our ambition with ease.
My brand of leadership is about alignment and abundance, with focused strategy and exceptional outcomes.
I partner with female leaders ready to step into boldness and power, to declare a do-over on someone else's definition of success, and to make an incredible impact.
With an MA in Organizational Psychology, killer coaching creds and a tomb of testimonials, I mean business.


text:
Without decimal...
Have an opinion?
Yes, by adding a zero. (70)
No. Seven... Remove the S... It becomes Even... Hehehehe...
Ahhh syke! XD
Very good saw the convo in the other answer
You cannot undo this action. The opinion owner is going to be notified and earn 7 XPER points.
Also close this question


text:
Monbiot, Batters on the Vine
I very rarely listen to Radio2 – I am so firmly a Radio4 stick-in-the-mud – so I am grateful to a reader of this blog for pointing me in the direction of the Jeremy Vine show this lunch time (although I feel rather bad about temporarily deserting Martha Kearney) where there was what passes for a discussion about farm subsidies on that channel (click here 35 mins into programme) .
It was very short, it was rather shallow, but it was very welcome although it should ring loud warning bells in the ears of the NFU.
George Monbiot was very accomplished and pointed out grouse moors receiving agricultural subsidies as a glaring fault of the current system. George was, as almost always, excellent.
Minette Batters, the NFU Deputy President, was pretty good too. She was reasonable and calm and did a good job but the NFU should be worried about what their strategy should be. Batters was put in the position of having to choose whether or not to defend massive payments to massively rich landowners and ended up almost defending them. That's not going to work. If every time the NFU talks about subsidies it argues for the status quo, or merely defends it, then it will not only look like the dinosaur that many of us think that it is, but also like a foolish dinosaur.
It is not the job of the NFU to defend the unfairness of the current system – instead they should be proposing a better one. But that better one will have to be better for the consumer and taxpayer and environment, as well as a fair one for farmers. NFU members, real farmers, are not going to do well out of a new English agricultural policy unless their union chooses to join forces with the public and the environment rather than the richest landowners and the slipper farmers of the upland grouse moors.
Everyone expects money to be tight after 2020 and farmers have no entitlement to public subsidy after that date unless they can justify it. Their allies should be the environmental NGOs who can do some of their PR for them with the general public rather than the likes of the Conservative MPs who spoke up for grouse shooting. `
There are several ways of cutting the money going into agriculture (and that should be an aim in the age of austerity) and they include across-the-board cuts (which would hurt NFU members more than CLA members to be blunt), capping of subsidy levels for individual farms (a good idea in my opinion but not the whole solution – and unlikely to be promoted by large NGOs who also benefit from those payments) and restricting access to the money to 'real farmers' and cutting out many other current recipients.
The more often that these issues are aired, the more difficult it will be for the agricultural industry to maintain a unified front in the hope that reform will go away. It most certainly won't go away and the NFU need something good to put on the table. They also need to look around the table and see where their real friends are sitting.
- Posted in: Farming
4 Comments
It is a shame that Jeremy's debate points are getting shorter. I actually found the often bizarre comments afterwards from listeners interesting. I think the nfu if they listened will take it that a lot of people with little or no interest in wildlife aren't happy at subsidises to farmersLikes(0)Dislikes(1)
If you have got time try listening to this from the latest Oxford farm conference especially as it has the National Trust's point of view after brexit.
Boy doesn't Batter witter? I watched the panel discussion on CAP
Whereas Monbiot offered passion and a vision she offered Whitehall weasel words, sort of lets put the great back in Great Britain.Interesting that Helen Ghosh had several snide swipes at George. NT feeling threatened by CAP reform maybe?Likes(2)Dislikes(0)
A very good article by George Monbiot in today's Guardian (Wedns). He is spot on on a range of points: the huge risks of a New Zealand style 'freefall' removal of subsidies, that farmers don't have to suffer as part of a new approach - he makes the hugely important point that farmers get just 9% of supermarket turnover - and the tiny contribution upland sheep farming makes to food production (1.5%) - especially in proportion to its devastating environmental impacts. He also makes the crucial point that CAP forces farmers into production - with 'good agricultural condition' rules extending to even small encroachment from boundary features like hedges.
One criticism only - and this is a general one, not of George's view specifically - whilst the cap on payments makes sense, the reaction would be to split up ownership of large units, leaving only institutional farmers (RSPB, NT) to suffer.
And one addition: the potential economic benefits of the sort of world George looks forward to: rather than cutting money to the countryside, the failed austerity approach, what we need is efficiency and productivity - making the money work, reducing rather than causing costs by reversing the damaging impacts of production-only subsidy.Likes(0)Dislikes(0)


text:
Real Estate - Its Real MP3
'It's Real' is taken from Real Estate's second studio album 'Days' which was released in October 2011. Directed by Weird Days. The album 'Days' is out now on ...
K-Ci & JoJo - Tell Me It's Real MP3
Music video by K-Ci & JoJo performing Tell Me It's Real. (C) 1999 Geffen Records.
Tell Me It's Real
K-Ci & JoJoWoah, woah Woah, woah Tell me its real This feeling that we feel Tell me that its real Don't let love come just, to pass us by Try, its all we have to do It's up to me and you To make this special love, last forever more Baby you told me that you love me and u never leave my side To the bitter end, through the thick and thin You prom[...]
Judges stopped her because they couldn't believe it's her real voice! You gotta see what happened ne MP3
Judges stopped her because they couldn't believe it's her real voice! You gotta see what happened next... https://www.facebook.com/VOALife.
Clean Bandit & Jess Glynne - Real Love [Official Video] MP3
Here's our BRAND NEW SINGLE 'Real Love', filmed in Jim Henson's Studio in LA with Jess Glynne. Thank you to all Fandits who are kissing in the video!
Visit the tournaments today. Also, this is our 2nd episode today! Sorry for the absence in uploads viewas. I was helping my parents move houses (it was a lot of ...
It's Real Yo | Joshiraku x Real Estate MP3
It's Real" by Real Estate "Oato ga Yoroshikutte... yo!" by Goku♨Rakujokai Download: http://kiwi6.com/file/jbk8yxv1ui.
Angela Winbush - It's The Real Thing MP3
Music video by Angela Winbush performing It's The Real Thing. (C) 1989 The Island Def Jam Music Group.
It's The Real Thing
Angela WinbushLet's do it Real Real thing, boy, well It's the real thing Just hold on tight and make it last Hold on tight and make it last It's the real thing Hold on tight and make it last Oh, you can't imitate or duplicate it, naw When it's real love it's a one of a kind thing, yeah It's a______________________choice to take, yeah W[...]
Going Down For Real Lyrics - Flo Rida MP3
Fibromyalgia: It's Real It's Manageable What You Can Do MP3
The symptoms of fibromyalgia include long-term, body-wide pain and tenderness in the joints, muscles, tendons, and other soft tissues. Dr. Andrew Gross, UCSF ...
DONNA SUMMER - This Time I Know It's For Real / / HD--16:9 / / MP3
DONNA SUMMER - This Time I Know It's For Real ___ From the album ''Another Place And Time'' ( 1989 )
This time i know its real MP3
Norman Saleet song (not certain if he's really the one who sung) this time i know its real, with lyric... created for my friend Epok... its he's fave... Actually Rj is the ...
Real Estate: It's Real live session MP3
Real Estate: It's Real live session New York-based indie-rock band Real Estate (minus keyboardist Jonah Maurer) visit the Guardian studio to play an exclusive ...
When it's real... MP3
Trent talks about knowing when a relationship is right.
"It's Real For Us" Official Music Video MP3
Subscribe so you don't miss a video! - http://bit.ly/LaurenFairweatherSubscribe Watch more of my wizard rock videos - http://bit.ly/WizardRockPlaylist Click for ...
Mic Geronimo - Shit's Real (It's Real) MP3
First released early 1994 on 12". Song also appeared on the 1995 Album: "The Natural"..... Mic Geronimo Myspace: http://www.myspace.com/mgeronimo Get the ...
yes it's real, just watch MP3
yes it's real. please watch the entire clip. it gets better.
Real Estate - It's Real (Live on KEXP) MP3
Real Estate perform "It's Real" live in the KEXP studio. Recorded 11/7/2011 Host: Cheryl Waters Sound: Kevin Suggs Cameras: Jim Beckmann, Scott ...
Donna Summer - This Time I Know It's For Real MP3
Peter Kent - It's a real good feeling MP3
Planet 7X ~ Scientific & Biblical Proof it's Real - Gill Brousard MP3
If you've heard any of Gill's original interviews you'll be pleased to know I spent 64 Earth diameters of travel editing this interview into a smooth and fast flowing ...
k ci & jojo - tell me it's real - It's Real MP3
Free Hiphop k ci & jojo - tell me it's real - It's Real.
K-Ci & JoJo - Tell Me It's Real (Lyrics) MP3
K-Ci & JoJo - Tell Me It's Real (Lyrics)
It's a REAL Roast Session MP3
The Real" ladies are playing the dozens! Watch as they try to roast Loni Love in a fun game of comedic trash talk. Spoiler alert: no one can trump the queen of ...
VIDEO - James Ingram - It's Real MP3
B.G & The Chopper City Boys - It's Real MP3
And another song from ChoppaCityBoyz, this will be the last i'll upload till i have more, the ones i've uploaded are the best from their album, together with Make ...
Peter Kent - It's real good feeling 2010 MP3
Peter Kent - It's real good feeling 2010 Released 1980 You turnin' my night into days Leap me mysteries way You made me feel like a new man It's like I'm born ...
"It's Real for Us" (Original Song) - Live at GeekyCon 2015 MP3
Subscribe so you don't miss a video! - http://bit.ly/LaurenFairweatherSubscribe Watch more of my wizard rock videos - http://bit.ly/WizardRockPlaylist Click for ...
It's Still Real To Me Dammit MP3
Wrestling believer.
Donna Summer - This Time I Know It's for Real (extended version) MP3
This Time I Know It's For Real, is a song originally recorded by Donna Summer, and released in 1989 as the first single from her album Another Place and Time.
BEST domino effect ever!!!!! ITS REAL!!! MP3
THERE ARE NO SPECIAL EFFECTS ADDED TO THIS VIDEO, IT IS ALL REAL!!!!! I cant stress that enough!!


text:
You may also be interested in the following products:
Oxballs Pig Hole
Square Peg Happy Hour Plug
Now available in the UK, this is a bum buddy you're sure to enjoy again and again! The Vixen Creations Buddy Silicone Butt Plug fills you up and gives you a gentle stretch, while the angled shape was specifically engineered to pin point your prostate or G-spot and inundate it with endless pleasure. He's even got a flared base so he doesn't go walk about.
Designed with a rounded tip to aid insertion, this toy is not only a gratifying choice, but a comfortable one too. The bulbous section of the plug opens you wider for a more deviant stretch, while also putting extra pressure on the nerve endings for more satisfying stimulation. The Vixen Creations Buddy Silicone Butt Plug is made from top of the line pure platinum silicone so it's body safe, non-porous and easy to clean. Simply wash him with hot, soapy water, boil him or use a 10% bleach water solution to keep him in tip top condition.
Trust us; this butt plug is about to become your best buddy!
Delivery & Returns
Additional Information
|SKU / Product Code
|Vixen Creations
|Harness Compatible
|12cm (4.75 inches)
|Insertable Length
|8.9cm (3.5 inches)
|Overall Diameter
|3.18cm (1.25 inches)
|Does Not Include
|Latex, Phthalates
|Washing Instructions
|Boilable / Bleachable/ Dishwasher safe /Toy cleaner
Find Similar Products In These Categories:
Essential Guides
- 4 Reasons You Should Try Butt Plugs
- 4 Reasons You Should Try Enemas & Douches
- Beginner's Guide To Sex Toys
- Guide To Sex Toy Materials
- How to Use Anal Beads
- Anal Stretching Guide
- Beginner's Guide to Anal Douching/Enemas
- Guide To Fetish Related Prostate Health