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Willis Tower's Watson's Marketplace Realities series includes line-by-line predictions for North American insurance buyers in 2016 and beyond.
New Pieces in a Changing Puzzle
At the macro level, the satellite view, much remains the same for insurance buyers: capacity remains plentiful, low interest rates invite alternative sources of capital to explore the insurance industry (which further increases overall capacity), and so far, 2016 appears to be another relatively light year for catastrophic loss. The result: for most buyers, soft market conditions prevail.
Look a bit deeper and a more complicated picture emerges, one in which several of the key pieces in the risk management puzzle are changing. One super-carrier, AIG, is poised to get smaller; and perhaps in the coming years, the still-giant company may divide, as some have been urging, into several pieces. Meanwhile, another super-carrier is arriving on the scene following the Ace/Chubb merger. Those two changes alone can add a healthy dose of complexity to a company's renewal strategy.
A line-by-line look at the industry reveals further complexity. While a slight majority of lines are still seeing decreases, the level of those decreases is smaller. In property insurance, for example, rates are expected to fall for most buyers, but some will find decreases in the single digit, where last year they might have enjoyed double-digit reductions. In the case of auto coverage for businesses, decreases have given way to small increases for the typical buyer. The same is true for trade credit insurance. Meanwhile the increases that have held sway for companies renewing cyber and errors and omissions (E&O) policies are getting steeper.
On the benefits side, we see a combination of forces that reflect the situation in the P&C world — either directly or in reverse. Mergers of huge players have changed the landscape here, too. And while marketplace conditions we have seen for several years — steadily rising prices — remain, buyers recently received a reprieve in the delay of the high-end excise tax, the Cadillac Tax.
The Question of How Carriers are Chosen in the First Place
The changes in the marketplace — the changing puzzle pieces — will force some insurance buyers to consider moves they might otherwise have been content to ignore (for the simple fact that a risk manager cannot choose to stay with a carrier if that carrier no longer exists). That in turn will raise the question of how carrier partners are chosen in the first place.
In most cases (and certainly for leading firms with billions in revenue), the selection process involves many considerations. Price, no doubt. But also key is the financial stability of the company that will have to pay the claims should a loss occur and so are the culture and personality of the people and institution involved in the transaction. In other words, the choice of a carrier involves the variables, tangible and otherwise, that inform this important strategic relationship. Many pieces must fit to solve that puzzle.
Proof of the importance and complexity of this process came from an unusual place recently — the same place that not long ago emerged as a potentially disruptive force in the insurance industry: Google. The company announced a retreat from its insurance comparison-shopping service, and some observers were quick to point out that insurance is a little complicated yet, even for the cyber might of the internet giant. Others maintain that the purchase of personal insurance without the mediation of agents will come in time. But when Google announced its entry into the insurance intermediary business some on the commercial insurance side began to wonder if the agency/broker model altogether might one day go the way of pay phone; now that possibility seems more remote.
Risk Management Will Never be a Self-Driving Industry
Change, of course, remains the only constant. Self-driving cars, another technology Google has championed, may be advancing quickly enough that we might see driverless vehicles on our highways within a few years (an innovation that raises several risk management questions, though we'll leave those questions for another time). Risk and human capital management, however, will never be a self-driving industry. People, in strategic relationships and partnerships, offer too much value in a world that seems to only grow more complex.
We have one more marketplace change to mention: at our own organization. This issue of Marketplace Realities is the first published by Willis Towers Watson, an organization that brings together a comprehensive set of resources and expertise that has never been brought together in quite this way, with an eye toward the unity of all aspects of a company's assets — financial, physical, virtual and human — to unlock maximum potential. In keeping with tradition, however, our spring update maintains the title of the fall release, "Bringing the Pieces Together."
In the spirit of bringing pieces together we are pleased to be able to refer here for the first time to the Commercial Lines Insurance Pricing Survey (CLIPS), which compares prices charged on policies underwritten during the fourth quarter of 2015 to those charged for the same coverage during the same quarter in 2014. Taken together, commercial insurance prices were nearly flat during the fourth quarter of 2015, rising by about 1% from their levels the year before. The graph on this page, from CLIPS data, shows the marketplace in perspective, as we clearly see the softening trend that reversed the rises that peaked between 2012 and 2013.
As we fit the pieces of our new company together, we look forward to being able to provide (and for many we have already) better and more comprehensive answers to the questions our clients have as they strive to solve their risk management puzzles and reach their highest goals.
Key Price Predictions for 2016
|Non-CAT Risks:
|-7.5% to -10%
|CAT-Exposed Risks:
|-10% to -12.5%
|General Liability:
|-5% to flat, +5% to +10% for risks with losses
|-10% to flat; +10% for truckers and NYC construction
|Workers' Comp:
|-2.5% to +2.5%
|Flat to +10%
|Executive Risks
|Directors & Officers:
|-5% to +5%
|Errors & Omissions:
|Flat to +10%; +20% to +25% for poor loss experience or loss-prone industries
|Employment Practices Liability:
|Flat to +3%; +5% to +15% in California
|-5% to +5%
|+5% to +15%; +10% to +30% for POS retailers and large health care; competitive for first-time buyers
-10% to flat
|General Aviation:
|-20% to flat
|Self-Insured plans:
+4% to +5%
|Insured plans:
|+7.5% to +8.5%
|Trade Credit
|Most buyers
|Flat to +5%
|With South American or East European risks
|+5% to +10%


text:
Blazer in a viscose blend
220,00 €
- A true classic!
- Fitted blazer made of highly elastic cotton stretch material
- Classic blazer details
- 2 button fastener
- Narrow shoulders
- Slim fit
- 77% polyester
- 18% viscose
- 5% elastane
- Slim fit blazer
- Length: 62 cm
Model is 5'10" tall and is wearing an UK size 8
- Do not wash
- Do not bleach
- Iron at max.temperature 110°
- P- dry cleaning mild process
- Do not tumble dry
Shipping costs
Within Germany we will take care of the costs for careful packaging and reliable delivery of goods.
See details about shipping costs abroad
Delivery period
In general, you will receive your order within 1-3 business days.
You may return the goods without giving reasons within 2 weeks by returning the goods.View returns details

subset: commoncrawl


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Exciting true adventure stories from America's past. Ages 7- adult
Three audio books in one collection
Exciting true horse stories Ages 4- 16
This is the second in a set of fascinating true short stories. Entire set of volume 2 is approx 3 hr. of listening time.
The Story of Daniel Boone, Davy Crockett, George Rogers Clark and Kit Carson
The Learning Parent
2430 Sunnymeade Road
Rustburg, VA 24588
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African American Geometric Abstract
browse these categories for related items...
Directory: Fine Art: Paintings: Oil: N. America: American: Pre 1960: Item # 65290
Directory: Fine Art: Paintings: Oil: N. America: American: Pre 1960: Item # 65290
William Greiner Fine Art
View Seller Profile
By appointment only
New Orleans, Louisiana
Tel 504-723-8675
Guest Book
View Seller Profile
By appointment only
New Orleans, Louisiana
Tel 504-723-8675
Guest Book
RARE Geometric Study, circa 1945. Oil on panel, signed lower right, 18" x 14", framed 22" x 18", vibrant colors. This work is in excellent condition. About the artist:Charles Bohannah,(African-American, 1910-1985).Charles Bohannah, a native New Yorker, was born in Brooklyn,1910. Bohannah began his career as an artist in High School, later enrolling in the Cooper Union School of Art. Around this time Bohannah also joined the prestigious Art Students League. While studying drawing and painting, he began doing "wash drawings" for use in magazines. Bohannah's first critical success was, winning a scholarship, as a result of an exhibition at the Roak Art Museum in New York. After WWII, Bohannah resumed his artistic career working in oils, producing figurative, landscape as well as still life compositions. In 1976, Bohannah enjoyed success again with a solo exhibition at the Humanities Gallery of Long Island University as well as at the Community Gallery at the Brooklyn Museum. It was reported that in 1977, Nelson A. Rockefeller then Governor of New York State, began collecting Bohannahs work. For eleven years, Bohannah showed work at the Washington Square Outdoor Art Exhibition, winning several awards. Charles Bohannah died in New York , 1985
Similar Items from this seller
|Impressionist Landscape "Tuscany"
|Chris Burkholder "Pines at Possumwalk"
|Benjamin Klein "Nude" circa 1940's


text: Mimz has a prime location,and apart from night clubbing, will also be serving sumptuous African and Continental dishes at its restaurant , plus exotic drinks. It's arooftop lounge . Mimz also boast of a tastefully furnished guest house. The event will be hosted by OAP and hypeman; Dotun, with several A-list Celebrities expected to grace the event. Music By: Dj Kentalky,Dj X-ray Dj Swag.


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COST Action Workshop in Twente 2013 – Hans Voordijk
The department participates in the European COST Network Public Private Partnerships in Transport: Trends and Theory (P3T3).
This network supports cooperation and interaction between European researchers and focuses on public private partnerships in developing and managing transport infrastructure.
On June 5, 6 and 7 2013 P3T3 network researchers held a very successful three-day case study workshop in the woods in Twente.
During this workshop 28 PPP in-depth case studies from all over Europe were discussed. Critical success factors for improved PPP performance was the key issue addressed.


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This story is a sequel to My Little Denarians
A year has passed since Harry Dresden, wizard-for-hire and Winter Knight, rescued Equestria and the Elements of Harmony from the clutch of the Denarians. Why wouldn't he jump at the chance to return to Equestria to visit his (very) colorful friends in a totally peaceful and uneventful vacation?
Because he's Harry Dresden, and life rarely lets things go so smoothly for him, when it's not killing him to death. And when things go wrong this time, Harry finds himself in a realm far, far more terrifying than Arctis Tor, Discord's realm, or the Outside:
High school.
Follow-up to "My Little Denarians."


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Not Accepting Guests
- Last login 17 days ago
Join Couchsurfing to see Mohamed's full profile. It's free!
About Me
Having a blast !
I'm an Engineer, living in Jubail, Saudi Arabia. Originally from Egypt. I was very busy with my studying and work so I didn't have the opportunity to travel except recently, first place I visiting was Beruit, Lebanon on August 2012. Then I visitied Istanbul, Turkey on February 2013 where I met some very interesting couch surfers for the first time! Like to make new friends all over the world :)
Work hard, party even harder
Why I'm on Couchsurfing
I just joined CS recently when I was on my trip in Turkey, met a few CSers there and it was great ! I decided I wanna help people when they come to my country Egypt. However, I am currently working in Saudi Arabia, still would love to meet new people and help in any way I can.
My experience with CS started in Istanbul when I met several fellow CSers and they were really really helpful in showing me around. Best part is that we are still in contact till that day!
I luv to hangout with new people everyday, partying in the weekend is just logical since we all work hard all week long :)
- partying
- traveling
- engineering
Music, Movies, and Books
Well, I luv watching movies, I have like 500 GBs of movies on my hard drive !
As for music, can you please turn the volume up!?
One Amazing Thing I've Done
Amazing Things I have done: I decided to go to Lebanon in one night ! went bought the ticket and next day I was in Beirut
My first time in USA I visited New York, and I organized my first CS event! It had 195 attendees and it became a Featured Event ! More than 80 people showed up.
Countries I've Visited
Bahrain, Czech Republic, Germany, Hungary, Italy, Lebanon, Netherlands, Qatar, Spain, Turkey, United Arab Emirates, United States
Countries I've Lived In
Egypt, Saudi Arabia


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OMG, GeminiRJ!!! I can't believe my eyes! Those cookies are absolutely gorgeous!!!!
Absolutely gorgeous cookies GeminiRJ.
I am sorry about the image quality a very little helper changed the settings and Grandma hasn't figured out how to change them back...
In a desperate attempt to do something other than my last plan of a beach scene, I tried to do a beach sunset. I got some figurin' out to do...any suggestions on how to finess it?
all4cake, that sunset is amazing! I LOVE it! Reminds me of a painting.
all4cake - it's really beautiful. It reminds me of a painting, too!
OK everyone... the new thread is up for June - Ready, Set, BAKE!!
No finessing needed, All4Cake, that's a beautiful cookie!!!
Ya'll are too kind! Thank you!


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The doctor of chiropractor treats the spinal cord and the pain in the other parts of body like joints muscles due to the malfunctioning of spinal cord. Chiropractor examines the fault in the spinal cord and cures it. The dislocation of bones in the body produces tension in the muscles. This tension creates inflammation that may lead to some fatal infections
The pain in muscles and joints makes the life difficult as one cannot move easily. In this case one must consult a chiropractor. Chiropractor treats the problems of muscular and joints pain. Chiropractic treatment is not painful at all. The doctor examines the defected part and evaluates the problem. Doctor then treats the defected part of body by means of massage and other muscle relaxing techniques. The main focus of chiropractic doctor is spinal cord. The spinal cord is examined and treated as all the muscles, joints and bones are somehow attached to the spinal cord.
The pain in muscles and joints can be due to the other reason but one must consult the chiropractor for the pain treatment as chiropractic treatment is not painful but very relaxing.. The massage method used by chiropractor is very charming and relaxing for any individual which completely wipes off the pain. Chiropractic takes the complete picture of injuries and then treats the injured parts with affections.
Some regular visits to chiropractor can completely remove the pain of muscular and joints. A complete treatment by a chiropractor can heals the Injuries and removes the pain with painless treatment as chiropractor treatment is painless.


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304 members0 Likes
Hi Dadla,
There isn't a wiki...yet. I'll bring it up on our team meeting this week. Thanks for the suggestion!
Dadla, you are dealing with the realities of the market. You could talk about this in the marketing group and ask for feedback.
Take care
Hi Dadla,
Welcome to Home Energy Pros! Feel free to join the conversation in the Forum and Groups. And share your energy efficiency photos, videos and
upcoming events. If you're blogging about home performance, this is the
place for you!
Diane, HEP Moderator
Hi Dadla,
Will I see you at ACI LA?
© 2017 Created by Home Performance Coalition (HPC) Powered by


text:
Why Shop with Us
Customers also Bought:
Farm Innovators Bird Bath De - Icer (C500) guarantees that your container up to 50 gallons will remain ice-free during the cold winter months. It's made from aluminum that's proven safe and effective even in plastics. It uses 500 watts of power and will only operate when it's necessary. It is thermostatically controlled for safe and optimized control to avoid overheating.
|2.00 x 8.00 x 7.50
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|3.00 lbs
|Manufactured By:
|Farm Innovators (Mfg. Number: C500)
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text:
GraphicRiver Clean Resume 9219664
Photoshop \ Print Template \ Stationery \ Resumes
Template \ Resume \ Simple \ Photoshop \ Creative \ Letter \ Customize \ Credits
Print Template - Clean Resume 9219664 by Gouravji21 @ GraphicRiver
Photoshop \ Print Template \ Stationery \ Resumes
The perfect way to make the best impression. Strong typographic structure and very easy to use and customize. Three page Resume/CV template with creative style. Prepared in International US Letter sizes in Photoshop.
The color scheme can be edited with a few simple steps. Detailed instructions included within the help.pdf file.
Well organized print ready .PSD
3 Photoshop PSD
Print Size 8.5" x 11"
Free font based icons
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CMYK, 300 dpi
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Others credits like image and shapes you can find in help file below.
Thank you! And don't forget to rate if you like it!
Font Use:-
First of all I recommend downloading and installing the fonts which are used in the documents. You can find them here.
Layered: Yes; Graphics Files Included: Photoshop PSD; Minimum Adobe CS Version: CS; Print Dimensions: 8.5x11.
Corporate Company Facebook + Twiter Timeline Cove; Corporate Company Facebook + Twiter Timeline Cover; Travel Tour Facebook Timeline + Twiter Cover; Corporate Company Facebook + Twiter; Disco Dance Party Facebook Timeline Cover; Travel Tour Facebook Timeline Cover; Travel Tour Slider.
Keywords: a4, blue, bundle, clean, cover letter, creative template, curriculum vitae, cv, elegant, indesign template, infographic, minimal, minimalist design, minimalistic, modern, professional, resume, simple, stylish, trendy, us letter.
Create GraphicRiver Clean Resume 9219664 style with After Effect, Cinema 4D, 3DS Max, Apple Motion or PhotoShop. GraphicRiver Clean Resume 9219664 from creative professional designers. Full details of GraphicRiver Clean Resume 9219664 for digital design and education. GraphicRiver Clean Resume 9219664 desigen style information or anything related.


text:
The Ministry of Corporate Affairs enforced the Companies Act, 2013 "Act" and the Corporate Social Responsibility Rules "CSR Rules" from 1 April 2014. By doing so, India has become one of the first country's to have a legal requirement to comply with CSR Rules.
Given that FY2014-15 is the first year of compliance for the Act, KPMG in India conducted a survey to analyse the compliance and leading practices of top hundred listed companies as per market capital (N100) with respect to the CSR Committee, CSR Policy, and Annual Report on CSR in the Director's Report of the companies. The findings shall serve as a reference line for the new era of the nation's CSR landscape.
© 2017 KPMG, an Indian Registered Partnership and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative ("KPMG International"), a Swiss entity. All rights reserved.


text:
Water Damage Orangevale CA, Flood Damage Repair and Sewage Cleanup
Call CPR 24/7 at 855-277-8787
"Our agent made the phone call to Certified Property Rescue and we are so glad he did! Peace of mind is SO important in stressful times. These guys were AWESOME!" — Norm H. – Orangevale, CA
Certified Property and Rescue – Commercial & Residential Water Damage Specialists
In Orangevale CA flood damage can be a problem throughout the year. At Certified Property and Rescue, we take water damage restoration seriously each and every day. Call 855-277-8787 for immediate water damage restoration services in Orangevale CA and all surrounding areas. We offer 24-hour emergency response, because whether you have suffered water damage in your home, or your business, time is your worst enemy.
When you've had flood damage, you've got to take immediate action. Allowing a wet carpet, wall, areas under and behind cabinetry/vanity, flooring or furniture to remain wet is only an invitation for future problems, mold colonization and added expenses that will most-likely not be covered by insurance. Allowing a structure to soak will only cause further damage, a tougher job for water damage contractors, and a much more costly job for your insurance company. If a building is wet, a professional should be called immediately for water removal or extraction of water as soon as possible. When professional water restoration begins, all areas affected by the flood damage must also be professionally dried as soon as possible; a job that a shop vac and household fans will not be able to handle.
"The response was quick, the equipment is first rate. The staff worked very hard, kept me informed, and knowledgeable. THANK YOU!!" — Harry H. – House Flood
Orangevale flood damage and sewage cleanup experts
We specialize in water extraction, sewage removal, structural drying, and contents drying. Contact Certified Property Rescue, and we can help you start the process of emergency flood damage clean up and flood water removal before the damage from water worsens. We service all jobs, big or small, and can take care of both commercial and residential customers. We can also take care of all of your sewage cleanup and biohazard damage cleanup and removal before it becomes a health hazard to you and your loved ones.
No matter what kind of emergency water damage or flood damage you're experiencing, Certified Property Rescue can help. Whether you've experienced broken pipes, leaky pipes, a flooded basement, sewage removal from sewage leaks or toilet overflows or a washing machine, dishwasher, hot water heater or refrigerator malfunction. When you need water removal and water cleanup call us. We will take care of all of your water damage repair and restoration needs.
Our Water Cleanup Commitment To You
|Family Owned and Operated • No Hassles • Free Estimates • Quick Response • Our staff members are carefully selected from qualified candidates based on excellent customer service, strong background, compassion for customers who are dealing with emotional or even traumatizing circumstances, and a strong work ethic. Our team is committed to going above and beyond all expectations to satisfy customers and bring damaged properties back to pre-loss condition. Certified Property Rescue has an unsurpassed reputation for providing the very best in restoration services. Customer service is our top priority. Our motto explains our whole-hearted promise to our many valued customers: Reviving Damaged Properties, Restoring Peace of Mind. We strive to take customer service to the next level, looking for opportunities to provide unexpected "extras", helping put the minds of our clients at ease despite the emotional roller coaster of enduring property damage. Certified Property Rescue, the only water damage company name you need to know for emergency damage services.
Learn more about Orangevale CA
Originally Orange Vale Colony, the community began as part of the 1844 Rancho San Juan Mexican land grant. The area was rural and home to numerous orange groves. Oak trees (remnants of which can be seen in the Orangevale Park) were common, as were trails made by Maidu Native Americans many years before. In addition to orange groves, several olive orchards were also once in the area, and some original trees can still be found along Chestnut, Orangevale, Main, and Walnut Avenues.
Servicing Sacramento water damage as well as water damage Loomis CA and water damage Placerville CA.


text:
Wayward Trailer (2015)
A coming-of-age story about a 14-year-old girl who works at a car mechanic's and hangs out with her friends. She challenges boundaries in her search for identity, but her behaviour has repercussions that force her to acknowledge new aspects of who she is.
Watch the official Wayward 2015 trailer in HD below or find more Wayward videos on Vidimovie.


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It appears you have not yet Signed Up with our community. To Sign Up for free, please click here....
In Reply to: Painkillers? Vicodin ES posted by Confused on May 08, 2000 at 22:34:46:
i'm in the same boat...let me know how it goes!
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|Page (1) of 1 - 06/19/13
|email article
|print page
After his poorly planned and terribly executed stage jump at this years Billboard Music Awards, which is resulting in a potential lawsuit by the woman the crooner landed on, Miguel is ready to take the stage again. He will join Grammy Award winning rapper Drake on his 41 city North American tour. The 3 month long tour is titled Would You Like A Tour? After a stint opening for Alicia Keys and now with the coveted opening slot on Drakes massive tour, Miguel and his music have never been hotter.
|Miguel Headlines Drake's Tour
Source:GrabNetworks (c). All Rights Reserved


text:
I feel like Im pregnant and I keep getting a negative on the pregnant text why?
- Asked
- 15 Oct 2015 by Audra24
- Active
- 19 Oct 2015
- Topics
- pregnancy
Responses (1)
I would have said "because just possibly you are not pregnant". But as you seem sure you 'feel that you are pregnant' I have to assume you must have been before; how long did that take to show on a pregnancy test after you missed that first period?
I dont know but my period was 8 days late but I just starting my period yesterday and im glad and I might know y my period was late because of the depo shot I was on for 2 year been off of it for Almost 5 months now I guess my period trying to get normal I guess I wish it will hurrying up cuz I really really wanna to get pregnant again
That makes more sense now. The best of luck building a family. :-)
Search for questions
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3 Days late on my period with several negative tests, can I still be pregnant?
Posted 6 Oct 2014 • 1 answer
I have not had my period in 2 months yet 4 home pregnancy tests are negative am I pregnant?
Posted 8 Jul 2015 • 2 answers
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Posted 2 Mar 2016 • 1 answer


text:
Microsoft will offer 3 flavors of Linux in the Windows Store
The system now works with OpenSUSE, Fedora and Ubuntu.
The Ubuntu mobile dream is over
The platform's developer is ending all its phone and tablet efforts.
A newsletter a day keeps the FOMO at bay.
Linux command-line tools are coming to Windows 10
Yes, you can run Bash (and Ubuntu binaries) in Microsoft's world.
Pre-order the first Ubuntu Linux tablet
BQ's Aquarius M10 can double as a Linux desktop for about $289.
Dell brings Linux to its latest XPS 13 laptop
Precision laptops are getting the Ubuntu option, too.
A top Meizu phone can't hide Ubuntu's flaws
Canonical's software still needs a lot of work.
Meizu unveils the most powerful Ubuntu phone yet
Not counting the Ubuntu Edge, which never made it past Indiegogo.
Ubuntu's first tablet doubles as a desktop, goes on sale in Q2
No word on price, but it's coming soon.
Ubuntu Linux tablet will turn into a makeshift desktop
BQ's new slate just needs an external display and input to become a PC.


text:
Discussion in 'OT Bar' started by brolli, Feb 13, 2007.
None of my downloads start even after waiting for a day! Anybody else having this problem?
Stairway to harlem?
Yeah I've never seen said tracker either...too bad you can't take PMs either, otherwise someone could send it to you, if it existed.
I fixed my problem I just downloaded a new version of utorrent and the downloads work. I also have 1 invite, drag on if you want it... pm me your email address.
yea problem is i dont have an invite, oh hang on lol
I have an account but I lost the web addy! Now that's a problem.
i had an account, lost the address, found the address, account turned off do to inactivitiy, and then lost the address again. I gave up and just get stuff from the newsgroups a day or two after airing.


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This workshop is for those writers who have taken Life Stories I or who have the equivalent writing experience. Students will work on polishing specific life story projects, which will be discussed in class. Concentration will be placed on shaping the narrative, theme, and/or finding the threads that will tie several life story pieces together. Participants will focus on character development, description, dialogue and methods of revision.
This five-session seminar is for those writers wishing to publish and those individuals wanting to pass on their stories as a record for future generations.
For questions, e-mail Lynn at: email@example.com
Check back for new dates.
TimeThursdays, 6:30 - 9:00 pm
DatesClass held at The Writer's Center at Maryland Hall for the Creative Arts in Annapolis, Maryland
Meets in-person.
Five sessions: Check back for new dates.


text:
Chat, make new friends and date in Acacia Ridge
Ilikeyou is a great place to meet men and women in Acacia Ridge. If you're looking for a person to chat with or free dating in Acacia Ridge, you've come to the right place! Thousands of men and women are chatting around the clock.
Shane Ford 49, Brisbane 63


text:
In all cases the terms and conditions take precedence over the terms and conditions shown below.
We are committed to protecting and respecting your privacy.
This policy sets out the basis on which your personal data will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how it will be treated by us.
For the purpose of the Data Protection Act 1998 ("the Act") the data controller is Simon Turner. All enquires concerning our use or storage of data should be sent to firstname.lastname@example.com
Information we may collect from you
We may collect and process the following data about you:
information that you provide by filling in forms on our site. This includes information provided at the time of registration or at the time of making a bid;
if you contact us, we may keep a record of that correspondence;
details of transactions you carry out through our site and of the fulfilment of any contract between us;
IP Addresses and Cookies
We do not collect your IP address for any reason at all.
We use Google Analytics software to collect information about how you use our site. We do this to help make sure the site is meeting the needs of its users and to help us make improvements.
For more information on this please look at. Google Analytics Privacy Policy
Where we store your personal data
The data that we collect from you is held on secure servers within the UK. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy.
Unfortunately, the transmission of information via the Internet is not completely secure. So, whilst we will do our best to protect your personal data, we cannot ensure the security of your data transmitted to our site. Any transmission is at your own risk. Once we have received your information we will use strict procedures and security features to prevent unauthorised access.
Uses made of the information
We use information held about you in the following ways:
to ensure that content from our web site is presented in the most effective manner for you and for your computer;
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THIS IS A WONDERFUL VINTAGE LAMP.IF YOU'RE INTO THE KINDS OF ITEMS THAT WE AT HIDDEN COTTAGE ARE INTO YOU WILL WANT TO CHECK THIS ONE OUT WE SEARCH OHIO, ILLINOIS, MICHIGAN AND INDIANA FOR ITEMS THAT WE THINK HIDDEN COTTAGE CUSTOMERS MAY FIND INTERESTING AND THIS IS ONE OF THEM..... THE THREE GLASS GLOBES ARE AN EYECATCHING RED CARNIVAL TPE LASS. THR LAMP IS IN GOOD WORKNG CONDITION. LAMP MEASURES 29" TALL AT THE TOP THE FINIAL. MEASURES 20" TO BOTTOM OF BULB. THE BASE MEASURES 6" ACROSS. THE GLASS GLOBES MEASURE APPROX. 4 1/2" ACROSS. THANK YOU FOR LOOKING AND HAVE FUN. (Pictures below) Just a FABULOUS Find! - Bid on it now! Please also check out my other auctions or eBay stores, Hidden Cottage Unique to Antique OR RED HORSE OIL RANCH , FOR ADDITIONAL VINTAGE ITEMS WHENEVER POSSIBLE, I WILL ALSO HAPPILY COMBINE SHIPPING TO SAVE YOU MONEY. SHIPPING INFORMATION : US Buyers: Buyer to pay Shipping/Handling based upon 10Lbs. with a box and packing USPS from zip code 45807. Calculator is set for USPS. Will ship other METHODS if requested - buyer's choice - shipping from zip 45807 (email me if you wish to have another quote). Opting for insurance (PAID FOR BY BUYER) is HIGHLY recommended and available, as I cannot be responsible for them ... read more


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Are you ready for 2017! A year set to be full of transformation with both outer and inner world changes. Gaining insight & inspiration allows the opportunity to intentionally create your 2017. This Super Full Moon event is set to be like no other! Discover your Tarot & Numerology Profile utilizing the power of the last of 3 Super Full Moons & of 2016.
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Reuters Staff
1 Min Read
June 23 (Reuters) - Sapura Resources Bhd :
* Dato Rodzlan Akib Bin Abu Bakar resigned from the post of executive director Source text : (bit.ly/2t1VR5B) Further company coverage:
All quotes delayed a minimum of 15 minutes. See here for a complete list of exchanges and delays.
© 2017 Reuters. All Rights Reserved.


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Prince William
By the beginning of the 2006-07 academic year, schoolteachers in Prince William County should have a new professional development program offering courses that will be more specialized and tailored to their experience levels, school administrators said last week.
In the News
New Schools Chief Plans to Listen, Learn (Post, April 23, 2005)
Boy in Prince William School Siege Is Released (Post, April 23, 2005)
15-Year-Old Charged in Charter School Arson (Post, April 22, 2005)
Picking a School Is a Multiple-Choice Question (Post, April 21, 2005)
More From Pr. William
Va. Teacher Who Inspired With Art Dies in Crash (Post, April 20, 2005)
Pr. William Budget Passed With 16-Cent Cut in Tax Rate (Post, April 20, 2005)
Death of Va. Woman Found in Pond Investigated (Post, April 18, 2005)
Treating Family War Wounds: New McLean-Based Group Aids Children Enduring a Parent's Deployment (Post, April 17, 2005)
A Surprise Russian Landing in Manassas: Contest Winner Finally Gets Chance To Meet Cosmonaut (Post, April 16, 2005)
New Schools Chief Leaves Legacy of Change: Walts Increased Spending, Programs (Post, April 14, 2005)
School Notes (Post, April 14, 2005)
School Notes (Post, April 14, 2005)
20 Teachers Cited for Inspiring Children to Learn: Meyer Awards Honor Dedication, Innovation (Post, April 13, 2005)
For N.Va. Schools Chief, the Same but More (Post, April 10, 2005)
School Notes (Post, April 7, 2005)
School Notes (Post, April 7, 2005)
Pr. William Picks Chief For School System: Upstate N.Y. Educator To Succeed Kelly (Post, April 7, 2005)
Loudoun Cuts Tax Rate; Average Bill Rises $464 (Post, April 6, 2005)
Pr. William Settles on Schools Chief (Post, April 6, 2005)
© 2002-2005 The Washington Post Company


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This dining table features a natural table top made of Elm wood. It's square shape allows many guests without taking up a lot of living space.
Wipe with a damp cloth. Do not use harsh chemicals to clean. Sponge with a mild solution of water and soap. These care suggestions however may not be considered as a guarantee against stains.


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Home > Cypress > Lakes on Eldridge
Lakes on Eldridge Real Estate
In Northwest Houston you'll discover a community brimming with exquisite custom homes and tranquil lakes. Lakes on Eldridge is definitely a destination to include in your round of tours if you're looking for a new home in Cypress; Northwest Houston.
Browse homes for sale in Lakes of Eldridge below, or click to read more about this gorgeous community in Cypress, TX.
No listings were found matching your search criteria.
All information provided is deemed reliable but is not guaranteed and should be independently verified.
Copyright � 2017, Houston Realtors Information Service, Inc. Data last updated on November 20th, 2017 at 8:55am.
Homes in Lakes on Eldridge
Over 700 homes are nestled away in this extravagant community, with the average appraisal of $315,733 as of 2008. Lakes on Eldridge offers entry level homes in the mid-$200's up to luxuryious custom homes built for a king.
Residents in this community also are offered a wide variety of amenities from a 25 meter pool at the frequently visited clubhouse, to volleyball courts and jogging paths for those looking to add a few recreational activities to their daily regime.
The following communities are sections within Lakes on Eldridge you'll want to remember when touring this wonderful community:
Sections of Lakes on Eldridge
- Crescent Bay
- Crescent Cove
- Lake Shore Estates
- Crescent Banks
- Pelican Pointe
- Lake Shore Estates
- Bristol Banks
- Crystal Falls
- Pebble Way
- Eagle Bend
- Eagle Cove
- Bristol Waters
- Auburn Shores
- Bay Meadows
- Indigo Falls
- Eden Springs
Please feel free to download our map to view where all these communities lie in relation to lakes, amenities, and entrances.
Lakes on Eldridge Schools
Children living in the Lakes on Eldridge community will enjoy the benefits of attending one of the top school districts in Houston; the Cypress-Fairbanks Indepenedent School District.
Elementary Schools
- Kirk Elementary
Middle Schools
- Truitt Middle School
High Schools
- Cypress Ridge High School
Lakes on Eldridge Realtor
If you're looking to buy a home in the Lakes on Eldridge community, we'd love to offer our help in finding you the perfect home.
Having one of our buyer specialists assist you in your move is absolutely free, so what do you have to lose by speaking with us today? Contact us today to talk about your next dream home in Lakes on Eldridge.
View More Testimonials"This was my first homebuying experience and Steve was extremely helpful with everything and made the process very easy for me to understand and explained everything I had questions on.
I definitely recomm...
Copyright© 2017, Houston Realtors Information Service, Inc. All information provided is deemed reliable but is not guaranteed and should be independently verified.
The IDX information is provided exclusively for consumers' personal, non-commercial use, it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All information provided is deemed reliable but is not guaranteed curate by the MLS and should be independently verified.
Listing information last updated on Warning: strtotime() expects parameter 1 to be string, array given in /var/www/vhosts/myhomehouston.com/httpdocs/index.php on line 146 December 31st, 1969 at 6:00pm.
Houston Home Builders and new homesThe houston market is one of the strongest new homes markets in the country. A search of Houston New Homes shows there are m... 24 Comments Read More
January Stats for the Houston Real Estate MarketTheir were 2788 sales this month in the Houston real estate market. This is down 10% from this time last year. This was a pre... 9 Comments Read More
Getting A Loan Just Got Tougher: Fannie Mae Changes Debt To Income RatioSo the government is offering an 8k tax credit to help the real estate market recovery. There have been a lot of debates back... 4126 Comments Read More
We're always on the lookout for talented real estate agents to join our growing team.Contact Us


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Craig Anthony Reid
- 33 years old
- Date of birth: Jan 20, 1972
- Date of passing: May 3, 2005
|Let the memory of Craig be with us forever
This memorial website was created in memory of our loved one, Craig Reid, 33, born on January 20, 1972 and passed away on May 3, 2005. We will remember him forever.
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text: 000 FXUS63 KMPX 161149 AFDMPX Area Forecast Discussion National Weather Service Twin Cities/Chanhassen MN 549 AM CST Thu Nov 16 2017 .UPDATE...For 12Z Aviation discussion below && .SHORT TERM...(Today and tonight) Issued at 343 AM CST Thu Nov 16 2017 Stratus clouds trapped under the ridge will linger this morning, scattering out for the afternoon as southeasterly flow strengthens ahead of a High Plains trough. Despite the clearing of the low clouds, peeks of the sun will likely be few and far between, given mid/high clouds will be encroaching the area from the west as low level moisture/warm air advection ensues ahead of the aforementioned trough. Expect another day with temperatures running below normal for mid-November. Highs will range from 35 to 40 degrees. Late tonight weak lift develops generally north of Interstate 94 as the warm front lifts toward central MN. Have included a 20 POP for Rain/Snow after 06z Friday, but it could end up being more of a drizzle scenario. .LONG TERM...(Friday through Wednesday) Issued at 343 AM CST Thu Nov 16 2017 A rather repetitive weather pattern is expected during the extended and into Thanksgiving weekend, with two mild days, followed by two cold days, then two warm days and so forth. Lacking in all of this will be chances for precipitation, with a prolonged dry stretch of weather expected after Friday. We start the long term in one of those warm periods. However, this will be the cloudy and drizzle filled version of a warm day like we saw Tuesday, as dewpoints increasing into the 40s with the cold ground will ensure we see more low stratus. Also like Tuesday, forecast soundings show us lacking moisture in the DGZ, with a nearly 5k foot deep moist layer near the surface, so more fun with drizzle. Any chance at non drizzle will have to wait until Friday night as the main upper trough swings through the area. By then though, the surface low we be beginning its deepening phase down near Chicago, which means just as the deep moisture arrives, the forcing is pulling out. The net result is that QPF amounts look limited once again, with precipitation gradually changing over to snow from west to east Friday night. For the weekend, it`s a repeat of what we saw Wednesday and are expecting today, though with one difference and that`s that we should actually get to the see the sun. The combination of CAA and isallobaric forcing will result in breezy northwest winds Friday night, that will keep going into the day Friday as we add in some diabatic heating and mixing. Winds will die off Saturday night and turn to the southwest on Sunday, with warmer air starting to return, which will lead us to our next warm day on Monday. Monday`s version of a warm day looks to have a different feel to what we saw Tuesday and are expecting Friday. As opposed to seeing dewpoints climb into the 40s, resulting in dense stratus, Monday will feature dewpoints in the 20s, which means we will have the opportunity to see the sun with the warm weather. As a result, Monday also has the potential to be considerably warmer than Tuesday and Friday, especially given the favorable southwest wind direction for going warmer. As a result, followed the previous shift in raising highs for Monday a few degrees above blended guidance, with low 50s from west central into south central MN, though there is certainly potential we`ll need to go higher. This warmth will be in response to warm air surging north ahead of a cold front that will clear our area Monday night, ushering in another period of strong northwest winds and tumbling temperatures for Tuesday, though we look to get on the backside of the high Wednesday with WAA beginning on Wednesday resulting in mild temperatures for Thursday into Friday. There is a mention of precip on Thursday and this is really based on the GFS, which has a clipper system working down I-94. The ECMWF/Canadian have something similar, only they have the precip clear up in southern Canada, so this chance may very well disappear in the coming days. && .AVIATION...(For the 12Z TAFS through 12Z Friday morning) Issued at 549 AM CST Thu Nov 16 2017 The primary TAF concern will be the question of when we will shake this stratus deck. At the start of the TAF period ceilings are ranging from 700FT (west) to 1700ft (east). Other than minor fluctuations of a hundred feet or so, do not expect much change for the first few hours of the TAF period with the surface ridge still in place. Once southeast surface winds begin to pick up late this morning and early afternoon and we get some mixing, think we`ll see some progress with the scattering of the low cloud deck, and improvement to VFR during the mid afternoon. With the improvement to VFR we will also see surface winds becoming gusty from the southeast, along with the arrival of a broken-overcast mid level deck. KMSP... Ceilings are expected to remain just below 1700ft until around 16z, and then we stay MVFR level until around 20Z (but above 1700 ft). By late afternoon we look to shake the low clouds, but southeast winds (140 degrees) become gusty to around or just over 20kts. /OUTLOOK FOR KMSP/ Fri...MVFR with chance -DZ. Wind S becoming NW 5-15 kts. Sat...VFR with MVFR early. Wind NW 10-20 kts. Sun...VFR. Wind W at 10 kts. && .MPX WATCHES/WARNINGS/ADVISORIES... WI...None. MN...None. && $$ SHORT TERM...LS LONG TERM...MPG AVIATION...LS


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"RECOMMENDED DAILY AMOUNT" — 1½ stars — Tucker Dansie, Eric Oliver, Lindsey Swan; not rated, likely G; LDS Film Festival
Tucker Dansie knew he had a problem. He was drinking a couple of liters of soda a day, which contributed to him gaining enough weight that he was officially considered obese on his medical records.
That's when Dansie had the idea to cut caffeine out of his diet for 30 days and make a documentary to record his experiences. The result, "Recommended Daily Amount," premiered at the LDS Film Festival at the Scera Center for the Arts in Orem on March 3.
In addition to completely abstaining from caffeine, Dansie also decided to reduce his overall sugar intake to the daily recommended amount, which for men is 36 grams.
The purpose of the experiment wasn't necessarily to lose weight, according to Dansie.
"It's about emotional and mental well-being," he said during the movie. "I feel better than I have felt in years."
Specifically, Dansie said he saw a massive decrease in the number of migraines he had.
"I was having two to three debilitating migraines per week before I stopped drinking soda," he said in the film. Since he gave up soda on Oct. 1, Dansie says he has only had one migraine.
Dansie, who has bipolar type-2 disorder, said the decrease in caffeine and sugar helped him to control his mood better as well.
"I still have mood swings, but they're not as severe or long-lasting as they were before," he said.
One of the diet experts Dansie consulted was Benjamin Bikman, a professor of physiology and developmental biology at Brigham Young University. Bikman shared more about the role of sugar in the diet in a Q-and-A session after the movie.
"The only naturally occurring version of the kind of sugar we eat so much of is found in honey," he said. "I don't think it's a coincidence that such a substance is guarded by thousands of little creatures that will hurt you if you try to take it. Evolutionarily, we aren't supposed to be consuming as much sugar as we do."
Having the support of other people made his experiment much easier, Dansie said. He was joined in the 30-day challenge by two friends, Eric Oliver and Lindsey Swan.15 comments on this story
"My kids wanted to do it with me, but it's not really practical for kids," Dansie told the Deseret News after the film. "And my wife was great with preparing meals that had less sugar. I couldn't have done it without them."
After finishing the 30 days, Dansie has continued to monitor and limit his caffeine intake.
"I don't drink soda regularly anymore," he said. "Just once in a while when I have a headache."
For information, see rdadocumentary.com.
"Recommended Daily Amount" is not rated, but would likely be rated G; running time: 75 minutes.
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Al's Lads Trailer (2002)
"Don't Mess With Liverpool." 29 June 2002 Drama, Action, Foreign 120 mins
Three Englishmen working as waiters on a cruise ship in 1927 are given a chance to work for the Al Capone gang.
Watch the official Al's Lads 2002 trailer in HD below or find more Al's Lads videos on Vidimovie.


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2 T. butter or margarine
1/2 onion, finely chopped
2 ribs celery, sliced
1 carrot, very thinly sliced
1 (7-oz) can mushrooms and juice (optional)
1/2 c. frozen green peas
2 c. cooked white or wild rice
1 c. chopped cooked chicken
1/2 c. butter or margarine
1/2 c. flour
3 c. milk
1 c. chicken broth
2 t. salt
1/2 t. garlic salt
1 t. sage
In a large saucepan, melt the 2 T. butter. Add onion, celery, and carrots and saute until tender. Remove from heat. Stir in mushrooms, green peas, rice, and chicken; set aside. In a separate saucepan prepare a white sauce by melting the 1/2 c. butter over medium heat. Stir in flour to make a paste. Add milk, chicken broth, salt, garlic salt, and sage. Stir constantly over medium heat until mixture reaches a boil. Continue cooking for about two more minutes. Remove from heat and pour into pan with chicken and vegetables. Cook briefly over medium heat to warm through. Makes 4-6 servings.
The homemade white sauce makes this dish extra tasty!! Usually in these types of dishes we just add a can of cream of chicken soup...but be sure to take the extra step and make the homemade white sauce.
My family loved it!


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Achilles Street, 44, Ruby's Retreat
House, Nelson Bay
Rated 5 out of 5 stars 4 reviews
Instant confirmation
From $94 per night {{quote.pricing.message}} Total {{quote.pricing.price | format:'currency':'short'}} for
Min 2 - 5 nights stay
Whether you are looking for a two-week family holiday, a long weekend with friends or even a romantic escape with your partner Rubys is the place to be.
This stunning 3 bedroom pet friendly house has been modernised throughout creating a comfortable home away from home and includes beach themes and floor boards throughout. The main living area offers plantation shutters, lounge suite with chaise, ottoman,flat screen TV, DVD player and dining suite. Step through to the modern kitchen with stainless steel range hood and splash-back and includes an underbench oven, glass stove top and stainless range-hood, dishwasher, microwave, fridge/freezer and an island bench. A beautiful full length balcony with bamboo shade screens, outdoor setting and timber kennel are adjacent to the kitchen, overlooking the landscaped and fully fenced rear yard child safe.
The master bedroom is beautifully appointed with queen size bed, built-in robe and flat screen TV. The 2nd bedroom has a double bed and sliding glass door access to the rear balcony and yard with the 3rd bedroom offering 2x single beds. The main bathroom a shower over the bath, vanity and toilet. There is a walk-in shower and vanity located in the internal laundry with front load washer as well as a 2nd toilet.
Other features include a fully fenced rear yard for your pet, a single lock-up garage for the surfboards and a long driveway for the car and trailer boat. A private gas BBQ is available for guest to use also located in the rear yard not shown in photos - guests are asked to clean after-use.
GARAGE: 7.2m wide and 3.5m Long,STEPS: 4 Steps to the Front Porch and 4 Steps to the Rear Deck.
SECURITY DEPOSITS: seasonal rates apply. SCHOOLIES/PARTIES: actively enforce a No Party / Excessive Noise Policy. Any persons found to be creating excessive noise, having a party in their apartment or exceeding the number of guests will be evicted without refund. PET LEVY $50.00 PER PET PER STAY Winning Holidays Standard Terms and Conditions Apply.
3 Car Spaces
Pet Friendly Holiday House
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Enjoy a peaceful time with friends and family and support our local fire station. Come join us for a classic all-you-can-eat breakfast of Pancakes, Sausage and Eggs with Coffee, Orange Juice and more!
A suggested donation of $5 is appreciated.
The MVVFD would like to make these breakfasts a regular monthly thing (possibly the 2nd Saturday each month) and may include other fare such as biscuits and gravy, bacon or extra fixin's. Let us know what you would like to see!


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Wessex FM News
Swanage Railway Remembers Fallen Afghan Hereos
9:59am 11th May 2013
(Updated 10:09am 11th May 2013)
An old diesel train that's due to arrive in Swanage today will be displaying a special wreath in memory of 3 British soldiers who were killed in Afghanistan.
They were serving with the Royal Regiment of Scotland when a road side bomb caught their armoured vehicle while out on patrol on April 30th. All 3 men were repatriated to the UK on Thursday (9th May).
The Deltic Class train, that's named after the Regiment, is taking part in the Swanage Railway's Diesel Gala this weekend.
Sign up for the latest local news direct to your inbox


text: 09 Mar Is the Xbox One Elite controller worth the money? With the Xbox One Elite controller being released a while back but with it being sold out everywhere I went it made it hard to get my hands on one. Luckily last night I snagged one at a local GameStop and couldn't be happier with it. The D-Pad and analogs are interchangeable as well as it being much more sturdy feeling and comfortable to hold. The customization options are a very nice feature allowing you to map buttons to where you prefer them. The entire controller feels completely different


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Author Archive
Find out About a Car Before You Buy It
I found a sweet Acura nsx 2015 for sale online and practically drooled over the beauty of said vehicle. I've been looking for a new ride for a couple of months, but you know how that process goes. If you are not looking for a new vehicle at a dealership, you really need to do your homework to find out what you are getting yourself into. While I loved the car at first site, I quickly realized I didn't know anything about it. This is important because you need to know if the car has a tendency to break down frequently.
I wasn't about to hand over my hard earned cash to someone I didn't know and end up with a real lemon. So I went online to see if I could research the vehicle so I could find out what sorts of questions I would need to ask when I went over to look at it more closely and even test drive it. I wanted to find out about the interior and the exterior, and to see what perks the car offers. Read the rest of this entry »
Improve the performance of car exhaust systems
Many people do not know what the exhaust system, and they consider only the exhaust system helps reduce the amount of noise the car makes. It is important for us to realize, have a much larger role than just exhaust. Another function of the exhaust system is to help reduce air pollution. In the flue gas exhaust system moves from front to rear of the car; currently being analyzed by the oxygen sensor, refined by the catalytic converter and exhaust muffled. The exhaust system will keep your car running smoothly, clean and quiet without the noise.
Investing in your exhaust system will improve engine performance, increase fuel efficiency and become one of the best investments you can make for your vehicle. How and when it is time to replace the exhaust system on your vehicle? "Check Engine" light will activate if ever there is a problem with your exhaust system, and it is advisable to get it checked every time it is on. This is the first line of defense when your vehicle exhaust system begins to deteriorate.
Recognize signs of wear exhaust system are:
• There are cracks / pinholes in the exhaust manifold and gasket. This can lead to exhaust leak that directly affect the safety and performance of the machine.
• Cracked, damaged cables or intake is blocked with an oxygen sensor.
• Overheating, dents, and corrosion can cause air pollution and excessive noise in the catalytic converter.
• Excessive rust and holes can also cause air pollution and excessive noise in the resonator and muffler.
• Rust excessive and defective bolts can cause the pipe, hangers, clamps and brackets for hanging so low to the ground.
The important things to remember when repairing / replacing the exhaust components on your vehicle
Here are some pointers important points:
• Materials: You get what you pay for, which is a motto known by many on the Internet. When shopping for auto exhaust significant part to find parts made of quality material that will not deteriorate after several months on your vehicle. stainless steel auto exhaust parts will outlive any other material out there itensures thermal conductivity better and better exhaust velocity. If the price of stainless steel products seems daunting, you can also use coated steel parts; such as aluminized steel or ceramic coated steel. But, it is important to understand that stainless steel is a better investment.
• Brand Name: Many people often get no part of the brand name thinking they'll save money, and that such items would do what the brand name will do. This may be true for anything, but the investment of a few dollars to get better items may save you thousands in repair mechanic if something goes wrong. the brand name of auto exhaust parts have been thoroughly tested for experts to measure and measure peak performance. It manufactures are so confident in their product that they back them up with guarantees outstanding protection, the no-name brand would never have protected you in the long run.
• Mandrel bending: This is the process in which the exhaust tube is bent to eliminate and make sure there is no "wrinkled" or indentation in the pipeline that will directly reduce the flow of air in it, keeping the same diameter along the entire exhaust system. Mandrel bending increase throttle response, exhaust gas temperature is lower and optimize fuel mileage.
You can also take part in the maintenance of your exhaust system. with prudent driving over bumps and holes, regularly check the exhaust system by professional mechanics, hear and understand sounds coming from your vehicle to easily identify when there is a problem.
Spare Parts for Land Rover Series 1
There are many great vehicle models but only few of them are really meant to be the icon of a generation. Land Rover is one of them. The first generation of Land Rover or widely known as series 1 was really designed and built for tough performance. It becomes the true icon of off road vehicle and no wonder that until today, it still has a lot of loyal fans. You are lucky enough to have one of those legacy Land Rover and even it is amazing that the vehicle is still in a good performance.
However, having a legacy vehicle isn't an easy one. You need to give more concerns on its maintenance to keep it on good condition and ready for a new adventure. The problem with old generation vehicles especially the discontinued models like legacy Land Rover, there's no longer full support from the manufacturers. The biggest challenge is to find the right spare parts because it won't be available on most auto shops. In many cases, getting the right parts can be such a difficult journey. Let us help you out of misery. For spare parts and accessories of legacy Land Rover vehicles, you can find it there at https://ukarauto.com/55-series-1. This is the best online shop to find wide selections of parts and accessories for Land Rover series 1.
Ukar Auto is more than just another online shop for auto spare parts. This company is committed to deliver high level of professionalism to help customers find the best quality and most durable spare parts and accessories. Since the beginning, this retailer is specializing in high quality Land Rover spare parts. It offers wide selections of products, both genuine spares and OEM products, for complete models of Land Rover. You can use its online directory to find the right parts you want to order and get it delivered within days.
Looking for a Reliable Mechanic and Work on Your Car
When it comes to taking care of the vehicle, it can be very important to ensure you have a subscription auto mechanic who can be trusted. Qualified car mechanic can help to prevent any accident when the car broke down and at an affordable price. On the other hand, a bad car mechanic can produce unexpected when a lot of money for car repairs. If you are looking for an auto mechanic for all types of car repair, there are some specific things you can do to help ensure that you find the right mechanic.
Talk to a mechanic you trust.
If you do not already know a trustworthy mechanic, chances are that you know some of the people you trust. Suppose you have a car community groups together relatives and friends, you probably know someone who has recently been to an auto mechanic who can give some advice. If you are new to an area, try to ask people who have been around for a long time. These people may be able to help guide you in the right direction. Some mechanics might be able to work on specific brands and models of others.
Understanding the difference type auto parts store and repair shop car repair.
When you consider the different auto mechanic to repair the car, it could be a good idea to understand the difference between the auto parts store and various kinds of workshops. Each type of store has different facilities and benefits, so it can be very helpful to understand the difference.
There are three types of auto parts stores:
* Dealer.
* Auto Shops chain stores.
* Workshop Independent
Dealers generally highly skilled work on certain types of cars. For example, a car dealership Honda possibility of full mechanical know a thing or two about working at Honda. Therefore, dealers often provide a high quality work in auto repair. In most cases, the dealer pegged the highest in terms of price, but they are also very good to provide a guarantee for their services.
Auto shop chain stores are the ones that you may see most often on the roadside. Auto chain stores often provide lower prices on auto repairs; but they may not have as large a membership in the repair of a particular brand. Auto shops are generally highly skilled chain completing minor repairs that do not require major specialties.
Independent repair shops vary greatly in terms of price and quality improvement. Often, these stores have a mechanic with various specialized fields, which provide a wide range of skills. With so many different types of independent repair shops, can help to use personal recommendations to find a good independent car repair shops.
A final consideration.
When you make a decision on an auto repair shop, may want to consider what type of affiliate stores have. trade associations such as the National Institute for Automotive Service Excellence and the American Automobile Association can provide further clues about the auto shop.
Convenience can make a big difference in choosing an auto repair shop. Things like opening hours and location can make or break a decision. As you consider your options, you can confidently choose a good mechanic to work on your car.
Forklift Sparepart : General knowledge part forklift attachments
A lift truck or powered industrial trucks used in the material handling industry to lift and transport loads and material from one location to another. Engine-powered engines have given an entirely new dimension to warehousing and manufacturing company. Because they have tied the working mechanism of the material handling industry, they are considered an essential part of the engine in the type of setup.
A lift truck is powered machinery which is used in the material handling industry to lift and transport loads and material from one location to another. The truck owners should therefore regularly maintain and keep their lift trucks in the mint condition. Some of the forklift parts tend to wear out with time as they are subjected to heavy wear and tear in the material industry. If you wish to utilize the lift trucks to their fullest potential, you have to replace the worn out forklift parts from time to time. Each of the forklift truck parts are specifically designed to perform a particular task and can thus be recognized by their purposes. In addition to replacing the forklift truck parts, you can also utilize forklift extensions in order to enhance the functioning of your lift trucks. Given below are some of the forklift attachments:
Side shifter: Side shifters enable easier load placement without changing the lift trucks' position. It is hydraulic forklift attachment which enables the truck operators to move the backrest and the forklift forks laterally.
Forklift fork Positioner: Most of the lift trucks operators have to manually adjust forklift forks according to the size of the loads. This forklift fork positioner which is a hydraulic attachment helps in the movement of the forklift forks either separately or simultaneously.
Pole Attachments: These are long metal poles which are used instead of forklift forks to lift carpet rolls.
Telescopic forklift forks: These are hydraulic attachments, which enables loading as well as unloading of vehicles from single side. These forklift forks enables handling of two pallets of different sizes at a given point in time. They are thus beneficial for handling of the pallets in 'Double deep racking'.
Forklift carton clamp attachments: These are hydraulic attachments that allow carton handling of very high volume. It has arm pads with rubber linings that are four way reversible. It enables the operators to pick up a load by applying uniform clamping force. It provides backrest to the loads in order to avoid any damages to the loads.
Slip sheet attachment: Slip sheet forklift is a hydraulic transport and storing systems that are without pallets. It moves ahead and clamps on to the slip sheet in order to draw it on to a thin and wide metal forklift forks for transport. These sheets can be applied very well at the time of intra-corporate deliveries as well as overseas shipments.
Man Basket: This is a lift platform which is meant for hoisting the workers. This man basket which slides on to the forklift forks has railings that prevent the falling off the workers. They are also equipped with brackets that are used for attaching to the safety harness. In order to attach man basket to the forklift carriage, a strap or forklift chain is used.
Five Common Transmission Problems Of Car
Your vehicle's transmission system is one of the most important parts of your vehicle. This part of your vehicle that directs power from the engine to the driveshaft change impulse wheels on your vehicle. Transmission problem can cause major damage to your vehicle and make costly repairs.
Knowing some common of car transmission problems will allow you to accurately diagnose and determine the type of repair or service may be required. Solutions can range from add transmission fluid to take your vehicle in for repair professional.
Here is a list of some common types of transmission problems:
1. The low level or leakage of fluid.
Some car transmission problems are most commonly caused by low levels of transmission fluid. Low fluid levels normally leak. Fluid leak may be caused by a rupture in the fluid lines, the destruction of the transmission pan gasket, or the safety bolt has been damaged, and the seal on the transmission pan. Skid gear and the slow shift is a symptom of the problem caused by the transmission of the transmission fluid level is low. Be sure to regularly check your transmission fluid regularly and add fluid if necessary. If problems persist, may want your vehicle to be evaluated by a specialist professional transmission.
2. Clutch is worn out.
Located inside the torque converter clutch can sometimes become jammed. When the clutch failed, the amount of transmission fluid in the torque converter can not be counted correctly. One symptom of the clutch problem is that the teeth will become sluggish when shifting. Another is violent shaking underneath the vehicle which can cause your engine to overheat. If your vehicle is experiencing clutch problems for serviced immediately.
3. Solenoid
Solenoid is part of your transmission system that controls the flow rate of fluid transmission. A faulty solenoid can cause transmission problems for regulatory use of improper fluid. If you do not change gear transmission smooth and fluid levels are normal, you may run into problems with your solenoid. solenoid is the next thing to check if the vehicle you are displaying symptoms of the transmission fluid is low but normal levels of fluid volume.
4. Torque Converter
Problems with the torque converter can often result in transmission damage or failure. One common problem associated with the transmission torque converter needle bearings are worn or damaged. separate needle bearing stator, impellor, turbine and converter housing. If you hear a strange grinding noises coming from the transmission when the vehicle is in the drive, you probably have a problem with needle bearings in the torque converter. This can cause serious transmission problems and had to be taken to a professional-quality transmission for service and repair.
5. Transmission Sensor Problems
Sometimes transmission problems not caused by mechanical failure. Many newer vehicles use computer technology to control the transmission system. Transmission problem can be caused by sensors or software failure. Specialist local transmission you have diagnostic tools to determine whether your transmission problems come from software or sensor damage.
There are several car vehicle transmission problems that you may experience. Routine maintenance is the key to preventing most of the transmission problems. You should check your transmission fluid as often as you check your oil. Remember, transmission problems do not go away – they only worse.
There are many auto repair shops that provide local transmission repair and service experts. They have the experience and equipment to accurately diagnose vehicle transmission problems you may have. If you already begin to see that your vehicle does not shift or stay in gear as it should, or if you make the transmission of noise, shaking or cause your engine to overheat then you need to take action immediate attention.
When Buying Damaged Car Auction
You are a buyer who really care about the budget when looking for a car and getting a brand new or even a quality second-hand is not your thing, then you can go for a damaged car auction.
Damaged cars that may be the cheapest car from out there in the market today. A new car basically loses a little less than a quarter of its value the first time he was thrown out on the street after the purchase, a damaged car has lost most of the market or the value after years of torture or after a certain unfortunate incident. However, the value is relative to the things done to the damaged car. Value can be restored eventually.
Damaged cars to be seen on the level of the "potential" of their recoverable value. Of course, nothing is ever re-buy a damaged car if he does not intend to make it better for some future purpose. The auction is a great way to get in the car is damaged. This incident was followed on by different individuals who have different intentions.
There are some intend to reconstruct the cars to use as transportation. Some intend to learn how to make repairs and modifications and so they use these cars as experiments. But whatever the motivation, damaged cars are still popular. There are a few things you need to know about damaged car auctions? Here are some basic things that people who are participating in damaged car auctions should take into mind:
1) Know why you want to have a damaged car
It's all a matter of interest. People go to a regular car auction to be able to find great quality cars at great bargains. In a damaged car auction, people are not going to find a good quality cars but they look for potentially restorable cars. If you buy a car that is damaged to recover and use it as a mode of transportation in the future, you should think good.
2) Know the costs to be incurred
Get the list of damaged cars that are being auctioned. From the list, select the model that you'll want to get. Do a little research and find out more information about the model said, especially with regard to the current market price. Set the price you are willing to pay for a damaged car can be a little tricky, so our advice is that you create a table, or matrix where you put in different conditions and different prices that go along with such conditions. For example, "damaged hood" and "Damaged tail lights" should given values and these should be reduced to the price you are willing to pay for the car.
3) Compare your prices
The main point in getting a damaged car is to get a restorable car, all costs to obtain cars and the cost of restoring the conditions to be tolerated. If you are better off getting a quality second-hand vehicle than getting a damaged car and restore it. Note that some parts for damaged cars can be hard to find. Also, there are some conditions that can not simply be repaired because spare parts are difficult obstacles.
4) a thorough examination is a must
Before bidding for a certain car of your choice, make sure that you check the vehicle thoroughly. Up to the beginning and start looking for the car and examined it. Buyers should especially be wary about flood damaged cars. Buy flood damaged cars can be bad in the later stages because some of the damage that floods cause the car can not easily visible and permanent.
5) Secure all documents
Do not forget to secure all documents if you succeed in buying a damaged car auction. A damaged car is still cars and letters must be intact for future purposes.
Buying a damaged car auction connotes negative thoughts and impressions, however, it's all about the mindset. One must look at them in terms of their potential and how this potential can be actualized. Buying a car has never been easier to have, but with the right mindset and the right strategy, one can make diamonds out of dirt through restoring damaged cars.


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Famous Homeschoolers
- James Madison, (1751-1836)
4th president of the United States, author of many of the Federalist Papers and constructor of the U.S. Constitution and the Bill of Rights. Madison was taught at home by his parents and by tutors who were supervised by his parents. Ansel Adams is arguably one of the greatest photographers of the 20th Century. He was also a homeschooler.
- Andrew Wyeth, (1917- )
American "painter of the people", attended school until 3rd grade when poor health made it necessary for him to stay home. His father, N.C. Wyeth, chose to teach Andrew himself rather than struggle with more absences due to ill health. Andrew never received a high school diploma or a college degree, yet he is one of the most successful painters in American history.
- Andrew Jackson, (1767-1845)
7th president of the United States. Jackson's father died the year of his birth and Andrew was tutored at home, receiving a solid education, from 1775 to 1780, which enabled him to later return to school at 15 and become a lawyer in 1787, at the age of 20.
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Contact Us
Homeschool Laws
Get legal information regarding your state's laws on homeschooling and also find your state parent homeschooling organization information here.
Find Groups
We encourage homeschool support groups to provide their information here for your convenience. Find a group in your area, with your philosophy or common interests.
Local Resources
We provide information about businesses and services in your area that might be of interest to you. Karate studios, gymnastics instructors, art, music, dance or other classes . . . whatever interests homeschoolers, it's here.


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El 574 combina estilo y comodidad y lujo ofrecerle
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El 574 combina estilo y comodidad y lujo ofrecerle
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Written on: 05/04/2011
A very moving story with many ups and downs. I had to choose a book review to do an oral report on and this was my immediate choice. Many interesting themes involved with a beautifully written storyline. Definitely recommendable to anyone who loves a good book to soak into with lots of drama and emotion. :)
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About Hannah
I am most happy hanging out at my home in Brisbane with my husband and pup, cooking up a storm with a glass of wine in hand and eating it with friends or spending time in my favourite beachside town, Yamba, NSW.
My other passion is interiors and lifestyle photography. You can see that work here.
About my work
I photograph weddings for people who are getting married, not for the wedding, but for their partner.
I photograph weddings because I want to create images that you can look back on and say "yes, that was the best day ever".
I photograph weddings that are unique, personal and beautiful.


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Curious George is continuing his timepiece business at his home store, but is liquidating his stock of collections. We have many eclectic pieces such as a 5' cigar store Indian and a Rolmonica, but the sale is also perfect for collectors of comic books, knives, clocks, Coca Cola memorabilia (we even have a Coke Bicycle still in the box!), tobacco products, fishing reels and lures and many, many other wonderful items. Several items are new/old stock, plus many vintage and antique items. This is a sale you don't want to miss!
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For Classic VW Beetle lovers here's a range of nice HD images for your wallpaper.
The Volkswagen Type 1, more commonly known as the Beetle, Fusca, Coccinelle, Vocho, Bug, Volky or Käfer (German), is a compact car, produced by Volkswagen from 1938 until 2003. Although the names "Beetle" and "Bug" were quickly adopted by the public, it was not until August of 1967 that VW began using the name in marketing materials. It had previously been known only as either the "Type I" or as the 1200 (twelve-hundred), 1300 (thirteen-hundred) or 1500 (fifteen-hundred), which had been the names under which the vehicle was marketed in Europe prior to 1967; the numbers denoted the vehicle's engine size in cubic centimetres. In 1998, many years after the original model had been dropped from the lineup in most of the world (it continued in Mexico and a handful of other countries until 2003) VW introduced a "New Beetle" (built on a Volkswagen Golf platform), bearing a strong resemblance to the original.
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