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Duke will enter the game against the Citadel looking for the first win of the season. The game couldn't come at a more crucial point as Ted Roof's troops seem to be lacking confidence after four straight losses to open the 2004 campaign. The Bulldogs enter the game coming off two straight losses of their own. After losing to Appalachin State to open the season, they were hammered by Auburn 33-3 last weekend. Again things look promising for the Devils on paper, but as we've learned this season anything can happen between the lines.
When Duke has the ball:
After showing improvement in the first few weeks, the Duke offense has hit some rough patches against Virginia Tech and Maryland. And while it's true that the quality of opponents improved, the Blue Devils haven't helped themselves with key lapses at crucial times.
While the quarterbacking situation has been addressed, the offense needs to establish a running game this week. The key will be if Cedric Dargan is ready to play. If he is, the job of the offense staying on the field becomes much easier. However, even if the junior back isn't ready, the Devils stand a good shot at running on a Bulldog defense that has surrendered 900 yards of total offense in two weeks.
The word out of the Yoh Center this week was one of a single quarterback for most of the game. Most believe it'll be either Mike Schneider or Curt Dukes on Saturday, and both should be able to have some success as long as the Duke offensive line holds up against an undersized Bulldog defensive front. Also the quarterbacks must be willing to throw the ball down field as the Bulldog secondary is vulnerable to the long ball. Ben Patrick is a prime candidate to have a big afternoon. He's bigger than most of Citadel's linebackers and quick enough to make things happen in a big way. Hopefully this will be the weekend the Devils go to him.
When Citadel has the ball:
The Blue Devil defense should get an idea of what the first four opponents have gone up against this weekend. The Bulldog offense has been woeful in the first two games, averaging just 153 yards per contest. Like Duke, the Citadel offense is contengent on establishing a running game and then letting their quarterback try and add what he can.
The ground attack starts with 6-foot-3, 240lbs fullback Nehemiah Broughton who makes his living between the tackles, busting through for anywhere between three and five yards per carry. Already decimated by injury, the Duke defensive front will once again see at least 20 attempts by a powerful back. However, stopping Broughton on first and second down will force the Bulldogs out of their comfort zone and into a passing game where red shirt senior Justin Hardin has completed just 9-of-22 passes on the year for 48 yards. Once again the ball hawking ability of the Blue Devil secondary should be able to yield some turnovers if the Bulldogs are forced to an aerial attack.
Duke Keys to the Game:
Hold the ball -- Against Maryland the Duke offense was on the field for just 18 of the 60 minutes of game time, allowing the defense to be worn down to the tune of nearly 700 yards of total offense. Against the Citadel the Duke offense needs to get some big plays early to establish a tone that not only controls the ball, but also the clock. Simply put, the defense has no depth and long stretches on the field could ultimately spell trouble.
Win the battle of the trenches -- The Blue Devils saw the game against Maryland slip away because they were blown off the line on both sides of the ball. Defensively it meant exposing the linebackers and secondary to either stopping a back from eating up a chunk of yardage, or allowing the opposing quarterbacks time to survey the field and make throws. Offensively it meant Duke's running backs were running into walls of defensive players and the quarterbacks didn't have enough time to take a four step drop, much less survery the field. The big guys have to do more this week.
Capitalize -- It's clear that the offense is going to have trouble putting points on the board this year, and the defense can't always be relied on for stops late in the game. So, in order to off set this, Duke has to score when given the chance. That means the kicking game needs to be solid, and the performance in the red-zone needs to improve as well. Nothing demoralizes a team more than a good drive that comes away with nothing to show for it.
Final Analysis
Quite simply, this is a game the Blue Devils must have heading into a bye week. To lose five straight to start the season, including a loss to a I-AA program would be disasterous for a team that had such high hopes entering the season. For three weeks the Devils showed us signs of improvement before getting demoralized in the second half against Maryland. A win this weekend will get things back on the right track.
Against the Citadel, Duke should have the opportunity to score some points and gain some positive yards on the offensive side of the ball. That has to happen as the offensive unit has been anemic to put it nicely. The team must execute this week on both sides of the ball to break into the win coloumn.
The bottom line is that there is really no excuse for this group to even entertain thoughts of an unsuccessful showing on Saturday. The Citadel is no push over, but they are the weakest opponent on the schedule this year, and it's not even close. Duke will come out fired up and ready to perform, as Coach Roof won't allow a team with an 0-4 record to overlook anyone.
Duke -31
Citadel -13


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Friends of Literacy's LEARN NOW program offers free GED/HiSET classes to the one-in-ten Knox County adults without a high school diploma or equivalent. Classes are offered in neighborhood locations which are not already served, thus providing more options and increasing access to education. Currently, FOL hosts classes at four sites: Fountain City United Methodist Church, Pond Gap Elementary School, South Knoxville Elementary, and at the Friends of Literacy office at 900 E. Hill Avenue. The class at Pond Gap is made possible through a partnership with the University of Tennessee as a University Assisted Community School, and the class at South Knoxville is a part of Great Schools Partnership's Community Schools programs. Classes at all locations are held two days a week and meet for a total of four hours per week. These sites utilize volunteers as tutors, classroom aids, and/or lead teachers.
To learn more about FOL's LEARN NOW program or to enroll in classes, please contact us at 865-549-7007 or email us at email@example.com.
Meet Richard: FOL LEARN NOW Graduate
Approaching his 61st birthday, Richard became increasingly bothered by the fact that his wall of certificates – including a baptismal certificate and his ordination diploma – was missing something very important: A high school diploma.
Inspired by a grandson who had earned a GED a year earlier, Richard set out to complete his vision of a wall that included a framed GED certificate.
A yard sign directed him to the Friends of Literacy hotline and enrollment in FOL's Learn Now class at Pond Gap Elementary School. Richard gives a lot of credit to his great teachers for his GED achievement in a matter of months.
It was Richard's ability to visualize an end product – including a framed GED certificate on his wall – that spurred him on. And he set an excellent example for his classmates. "If these young people working on their GEDs could only envision that framed certificate on their own walls," assures Richard, "they'd get there."
Meet Brandon: FOL LEARN NOW Student
Brandon is a Friends of Literacy Learn Now student at Pond Gap. Born in South Carolina, Brandon grew up in Knoxville and attended Austin East High School until he dropped out at age 16 when he was in the 11th grade.
Now the busy 30-year-old father of twins, talented musician, church music director, and 40-hour-a-week temporary worker in an industrial job, Whitaker is committed to increasing his future options and opportunities by earning his GED.

subset: commoncrawl


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It's a retail business that has been around for two or more years and has a great revenue ability with great potential to increase revenue and customer base after I take over operations. contact me for more info
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Malaysia Airlines to join oneworld on February 1, 2013
Malaysia Airlines will become a full member of oneworld with effect from Friday February 1, 2013, adding one of commercial aviation's most frequent award winners to the world's leading quality airline alliance.
The national airline of Malaysia received clearance to board oneworld after successfully completing a thorough review of its readiness conducted by Qantas, which is sponsoring its entry into the alliance, with the oneworld central team.
While its alliance implementation programme is on track for completion in the coming weeks, its addition to oneworld is being held until the beginning of 2013 to avoid the end-of-year holiday season and for other administrative reasons.
Malaysia Airlines will start offering oneworld's full range of services and benefits from February 1, 2013 – becoming the alliance's second airline operating the Airbus A380, after its oneworld sponsor Qantas.
From then, the 2 million members of Malaysia Airlines' Enrich loyalty programme will, in effect, have their frequent flyer privileges extended to whenever they fly with any oneworld member airline – airberlin, American Airlines, British Airways, Cathay Pacific Airways, Finnair, Iberia, Japan Airlines, LAN Airlines, Qantas, Royal Jordanian, S7 Airlines and some 20 affiliated airlines. This includes earning and redeeming mileage awards and earning tier status points when flying with all these airlines.
From February 1, Enrich Platinum and Gold members will be able to use any of the 550 airport lounges worldwide offered by oneworld member airlines whenever they fly with any of the alliance's carriers. Malaysia Airlines' First and Business Class passengers will also be able to use oneworld partner airline lounges.
Also from February 1, the 125 million members of the established oneworld airlines' frequent flyer programmes will be able to earn and redeem awards and tier status points and receive all other oneworld benefits on Malaysia Airlines.
Malaysia Airlines is already participating in Global Explorer, the round-the-world fare offered by all oneworld members and various airlines that are not part of the alliance. From February 1, Malaysia Airlines' network – serving more than 60 destinations in nearly 30 countries – will be covered by oneworld's full and extensive range of alliance fares and sales products.
Malaysia Airlines will substantially expand the alliance's network in South East Asia, where it will add 14 destinations and one country – Brunei – to the oneworld map. More significantly, it will strengthen the alliance's connectivity between many key business cities in Asia and other parts of the world.
Its addition will expand oneworld's global coverage to some 840 destinations in 156 countries, served by some 9,000 departures a day operated by a combined fleet of some 2,500 aircraft, carrying nearly 340 million passengers a year, with annual revenues of US$ 110 billion. Add oneworld's other members elect – Qatar Airways and Sri Lankan Airlines – and the alliance network reaches to 856 destinations in 159 countries.
Currently three of oneworld's active member airlines serve three points in Malaysia, with Cathay Pacific, Japan Airlines and Royal Jordanian flying to Kuala Lumpur, Cathay Pacific operating to Penang and its Dragonair regional affiliate to Kota Kinabalu.
Royal Jordanian operates three weekly flights to Kuala Lumpur via Bangkok. However RJ's code sharing with Malaysia Airlines ensures daily operation between Amman and Kuala Lumpur through Bangkok on Malaysia Airlines flights operated on the other four days of the week.
UK decision bans passengers flying from Queen Alia Airport to London from carrying laptops, tablets and large phones in the cabin
Amman, March 22, 2017 – The UK authorities issued new rules that ban passengers on flights from Queen Alia International Airport and other airports in the region departing to London from...
US authorities ban passengers flying from Queen Alia Airport to the US from carrying electronic and electrical devices in the cabin
Amman, March 21, 2017 – The US authorities issued new rules that ban passengers on flights to the US from carrying electronic and electrical devices in the aircraft cabin, but have them in...


text:
First Family Vacation
Sail Date: November 02, 2015
Reviewed: 1 year ago
Traveled As: Family (older children)
Room Type: Balcony
Farming Family of 5 (2 adults and 3 children 16, 13, and 12). Paid for and planned trip for 2 years. I've traveled with just the kids before and cruised with one at a time but this is the first trip with kids and husband who has never vacationed ever in his 36 years. I personally thought my kids were too old for Disney but they saw the ship and begged it to be that one. So we booked 2 Aft cabins 1 inside 7689 and the balcony next door 7690. Booked the cruise online and paid on it until it was paid off and booked the flights and hotel separately on our own. We flew into orlando the day before the cruise to be safe incase of any travel delays. Used a private transfer company from the airport to the Radisson at the port. I would have preferred to stay at a resort on the beach but the Radisson gave me a great rate that was half the price of the beach resort and I've stayed at the Radisson before so I liked the familiarity of the resort. Their ship transfers are nice as well. Disney embarkation was very smooth and quick, everyone inside the terminal was friendly and smiling. The Disney Ship was beautiful inside and out and all the crew was very friendly and helpful. I used the Disney Cruise APP a lot during the cruise to check entertainment, dining hours and menus, and to chat with the 16 year old. I also pre puchased the photo package before we sailed and that was a great benefit and I would do again and recommend. So many photo opportunities. I loved the main dining menu selection but was disappointed to learn that cabanas buffet was not open for dinner. Room service was good though. We enjoyed the 3D theatre to watch a movie on Sea Day and played the Midship Detective game with the kids. I will be honest and say traveling with a family of 5 it is difficult to keep Everyone happy and entertained. We loved our stop in Nassau and spent the day at the Atlantis which was probably the best money spent and I can say Everyone was happy at Atlantis the whole day which makes mom happy. Lots of memories created at the Atlantis.
Category Ratings
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Click table then swipe to view all columns.
|Embarkation and Disembarkation
|Ship Quality
|Destinations and Excursions
|So thankful to have found bahamasdaypass dot com to save us money for us to get to do the Atlantis. This was the highlight of our cruise where EVERYONE was happy for the day.
|Onboard Activities
|Children's Programs
|My 12 year old was able to spend time in the Oceaneer lab but it was for ages 3-12 so she didn't enjoy all the younger children and she only spent 2 hours attending the science and cooking programs. The 13 year old club was just video games that he said he could do at home so the 12 and 13 year old hung out with mom and dad so we were too busy keeping them happy and entertained to really enjoy the adult activities. The 16 year old seemed to have a good time and made friends but when asked she said she had a more fun time on Carnival cruise. We did love the Fish Extender gift exchange that you can sign up on disboards or FB roll calls I would highly recommend doing that.
|We enjoyed the 3D movie theatre but us farmers would never stay awake late enough to enjoy the real night life where they had MANY activities planned for all age groups until 1-2am
|Service and Staff
|All the Crew was great and work so hard all day. Extra tips at the end of the cruise for them.
|Food and Dining
|I recommend going to the dining room for breakfast, Cabanas can honestly get crowded and annoying.
Port Ratings
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Click table then swipe to view all columns.
|Port Canaveral, Florida
|Nassau, Bahamas
|Bahamasdaypass is a life saver and I will recommend them to everyone I know that is sailing to Nassau. We saved almost $300 for our family of 5 to spend the day at the Atlantis. This was the best day on our vacation!
|Castaway Cay (Disney Private Island)
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text:
BeatsX Earphones - Black
BeatsX Earphones - Black
Watch the BeatsX demo
Introducing BeatsX
Music: DJ Snake "Sahara" feat. Skrillex
[Visual tour of earphones.]
Talk. Listen. Beats.
Talk. Take calls with remotetalk hands free.
Fast fuel. 5 minutes of charging equal 2 hours of playback. Plug in. Make coffee. Go.
Listen. Authentic, clear acoustics.
Up to 8 hours of battery life. Ready when you are.
Beats flex-form cable for all-day comfort. Fit for your life
Magnetic earbuds.
Secure-fit wingtips.
Talk. Listen. Beats.
BeatsX. Got no strings. Wireless remastered.
Fit for your life, BeatsX earphones are the perfect wireless companion. Experience authentic, clear sound throughout your day with up to 8 hours of battery life. With Fast Fuel, a 5-minute charge gives you 2 hours of playback. Its unique Flex-Form cable provides all-day comfort and easy pocket portability, while eartip options provide a personalized fit and secure-fit wingtips offer added stability.
Wireless the way it should be
BeatsX works as hard as you do. Sleek, light, and compact, these earphones are your perfect wireless companion. They instantly set up – just power on and hold near your iPhone – and then simultaneously connect to your Apple Watch, iPad and Mac*. With Class 1 Bluetooth technology, BeatsX goes wherever you go with great wireless efficiency.
Sound that stays with you
BeatsX features authentic, clear sound with optimized noise isolation for an immersive listening experience. An innovative acoustic design delivers a clean treble response and distortion-free bass for the most natural tonality across a broad range of genres.
Fit for your life
Whether playing in your ears or hanging around your neck, BeatsX is incredibly sleek and comfortable for all-day wear. The unique Flex-Form cable provides a flexible fit, a variety of eartip options provide personalized comfort and secure-fit wingtips offer added stability. And when you're not wearing them, magnetic ear buds keep your earphones tangle-free and they easily coil up for compact portability.
Always ready
BeatsX features an 8-hour battery powered by the efficiency of the Apple W1 chip so it is ready when you are. For a quick turnaround, Fast Fuel gives you 2 hours of playback from a 5-minute charge. RemoteTalk allows you to take calls with a built-in mic, play music, adjust volume and activate Siri. With easy to use controls, you can seamlessly switch back and forth as you go about your day. BeatsX is your perfect wireless companion, fit for life.
*Requires iCloud account and macOS Sierra, iOS 10, or watchOS 3
Connect via Class 1 Bluetooth® with your device for wireless listening
Up to 8 hours of battery life for when you're on the go
With Fast Fuel, a 5-minute charge gives you 2 hours of playback when battery is low
Variety of eartip options offer personalized comfort and secure-fit wingtips provide stability
Flex-Form cable provides all-day comfort with easy purse and pocket portability
Authentic, clear acoustics deliver crisp sound fit for your life
Take calls, control your music and activate Siri with RemoteTalk
Did You Notice?
Compact design of the Flex Form cable allows for all-day comfort and coils up for pocket portability.
What's in the Box
BeatsX earphones
Eartips with four size options
Removable secure-fit wingtips
Pocket-sized carrying case
Lightning to USB-A charging cable
Quick Start Guide
Warranty Card
Tech Specs
Form Factor: In Ear
Connections: Bluetooth, Wireless
Batteries: Rechargeable Lithium-Ion
Other Features
with Remote and Mic
Inline Call and Music Controls
Inline Volume Control
Noise Isolation
Stereo Bluetooth
Charge via Lightning cable
Flex-Form Cable
Manufacturer Information
Part Number
UPC or EAN No.: 888462804912
Warranty: One-year limited
iPhone Models
- iPhone 5
- iPhone 5c
- iPhone 5s
- iPhone SE
- iPhone 6
- iPhone 6 Plus
- iPhone 6s
- iPhone 6s Plus
- iPhone 7
- iPhone 7 Plus
iPad Models
- iPad mini 2
- iPad mini 3
- iPad mini 4
- iPad Air
- iPad Air 2
- iPad
- iPad Pro 9.7-inch
- iPad Pro 10.5-inch
- iPad Pro 12.9-inch (1st Generation)
- iPad Pro 12.9-inch (2nd Generation)
iPod Models
Answers from the community
Is it compatible with a Mac book pro?
- Asked by Abhiram S from Harrison
- on Jun 3, 2017
So you can only use these headphones with an Iphone???
- Asked by Joselyn P from Machesney Park
- on Mar 1, 2017
Best Answer:
These should work with any smartphones, I have tested with Samsung S7 and OnePlus One.
- Answered by Bhaskar C from Singapore
- on Mar 21, 2017
Where can I find how much battery life I have in my Beats X
- Asked by Cookie L from Newport Beach
- on Jun 21, 2017
BeatsX do not show up on iPads.
- Asked by Edgar D from Locust Grove
- on Mar 3, 2017
Does the case supply a charging option like the Airpods?
- Asked by Richard S from Dallas
- on Mar 6, 2017


text:
Vill du ange som standardvaluta eller gäller valutan endast för detta besök?
not internet access in the room
The service level was very good. All the staff we spoke with were very helpful, although on one occassion the order was completly misunderstood. I thought the car parking charge was quite expensive, in relation to what we paid for the room.
Spacious room, good rate, excellent location Nothing
Size of the room - we weren't expecting a suite so were very impressed that we got one! Very accessible location. Well stocked bar at very reasonable prices. No bottle opener in the room
Large Room and location I would never rank this hotel as 5 starts. It's a basic 4 start hotel.
Free internet access.Excellent location in the centre of Andorra la Vella.Spacious room.Excellent hotel staff.Very clean room Expensive parking.I asked queensize bed & i had two twin beds together so i didn't have a good sleep.
We had to move room because there is heavy machinery just across the road making a lot of noise (8am).
Everything No
Awfull smoke odor, could not sleep all night because of it (and yes, this was a non-smoking room). The sofa bed (4-room configuration) is of very poor quality, I don't think an adult could sleep in it reasonably. Our children (under 6) were ok, though.
Trevligt hotell, centralt, rent och snyggt, trevlig service
Standard hotell på huvudgatan,bra och rena rum där allt fungerade fint. Bra frukost. Dyr pplats men det finns inga alternativ. Behöver man åka till Andorra kan man mycket väl bo här
Ok med bra läge mitt bland shopping och restauranger. Vi bodde i ett familjerum på femte våningen. Det fanns utöver takfönster inga andra fönster. Det var varmt och när vi öppnade takfönstrena vällde det in matos från fläktarna på taket. Dessutom förde fläktarna mycket väsen. Om det varit ett lågprishotell hade det varit acceptabelt men med tanke på att vi betalade 460 Euro för tre nätter var det mycket dåligt.
Prisvärt och fräscht rum. Mkt bra frukost. Läget mitt i stan. Beskrivningen av hotellets läge var inte solklart.
Shoppingläge. Trevlig personal. Frukost OK. Väldigt litet rum. Inget internet på rummet. Rum mot trafiken, hördes hela natten.
Personalen uppdaterad, finns inget att anmärka på.
Den första kontakten - Check-in, smidig & kundorienterad personal. Säker garageringen av bilen till en rimlig kostnad är kanonbra. En fråga om TV-kanaler löstes snabbt. Nej
Ett mycket stort rum och generellt en bra service. Rent och snyggt samt en helt ok frukost.Läget är utmärkt, kan inte bli bättre. Viktigt också att det fanns parkeringsmöjligheter i garage.
We were very pleased with the hotel and thought it excellent value for money. The staff were very helpful and the amenities first class. Service and food in the restaurant were also memorable We only stayed 1 night but would certainly return for longer if we could. The only problem was finding the hotel as we drove into Andorra and, understandably I think, found the streets difficult to negotiate and impossible to reconcile with our Google map. The hotel could consider printing clear directions with its booking confirmation. We finally found the hotel after running across street signs, which were very helpful.
Great location, great room design flies, mosquitos, moths, window was left open, not clean, missing robes, info, service guide etc. Spent 15 minutes killing off insects! Called front desk, little help
the total atmosphere of rest,friendliness,extraordinary accommodation and excellent kitchen everything was fine
Very comfortable hotel indeed, an excellent place to go and get away from it all. Nothing
The room was very specious, the accomodations were very comfortable, and the bathroom was exceptional. We wish we'd stayed there longer to take more advantage of the facilities. The location was great - more convenient than map suggested, not in the middle of the stretch, but a short walking distance away. Staff was friendly and responsive. Information about nearby restaurants was not extensive.
Lovely, spacious room with great view and really great bath. Restaurant was also very good and the wait staff attentive. A 5 Star hotel should have down pillows...at least upon request!!!
5 star luxury at a bargain price. Yay for off-season rates. Beautiful room with large balcony and view of mountains. Spa bath. Power shower. Electric curtains etc. Was too cold for outdoor pool but there is a beautiful indoor pool. Need to purchase swimming cap to use pool. Only 6€ though.
excellent large room, large TV, large balcony, excellent washroom excellent indoor pool and children's play area excellent lobby and outside Bar and outside pool and grounds free internet in the room with wireless keyboard - excellent!!!!! this is a excellent 5 star hotel - the best! excellent included breakfast in rate excellent location outside pool water too cold
The evening meal staff was helpful and pleasant.Our room was great, but we were confused by the lighting controls. The breakfast staff was a bit unfriendly.
The setting and scenary is fantastic. Peaceful and beautiful.
A well-located luxury hotel and a bargain at the discounted off-season rate on offer. I liked the rather spare modernist decor of the room and there were some nice design touches. Unfortunately, a series of minor room service problems (dead remote controls, missing waste bins, a bed skating round the floor till we found its brakes, etc.) slightly took the edge of the experience for us.
The location The non division between smoking and non smoking bedrooms.
Close to the downtown
Centrally located, useful for bars, restaurants, sightseeing. Excellent shopping location. Very helpful and informative front desk staff. Easy car parking.
poor breakfast for a high price!
The rooms were excellent and the staff friendly and helpful. The breakfast was excellent and good value for money. Would definitely stay there again.
The staff are very friendly. My room (606) was really large,extremly quiet & had a wonderfully comfortable super king size bed. Breakfast is great, a wide variety of well prepared food & an bundance of it. Well located right in the middle of the town with a taxi rank diagonally opposite to the right No fresh juice at breakfast only that made from concentrate which tastes like chemical
The room was unusually spatious, there was almost excess of spaace. Just the bathroom itself could be a whole hotel room in many other Europen hotels.
Very good position in the center of the town on the main shop street. Very spacious rooms. Breakfast was ultimate. Was charged for breakfast despite it was free in my booking. Hotel parking rather expensive.
Very nice hotel and cenrally located. no.
The Husa Centric Hotel has an excellent location at a major shopping street and is next to most important offices.
wery nice hotel the breakfast is not 5 star , had a better one in 3 good 3 star hotel
excellent breakfast. very nice changes made during renovation.
It charming entrance and welcoming smell of vanilla. Good location and the wonderful SPA to explore No dining possiblity after 10.30 pm
Hotel staff is very kind and polite, Wi-Fi Internet, Restaurant, Room. 1. Hotel staff doesn't speak English very well. 2. We had to change a lot of rooms because firstly our room faced to the road. It was so loudly that we coudn't sleep at all.
Great view of the city from the top floor. Just the price
Location, cleanliness and beauty of hotel. Our rooom was extremely smokey with cigarette smoke that wafted up from the bar and it was also very hot in our room. Unfortunately the air conditioning was not turned on in the hotel.
Doorman helped take scooter off the van, level entryway, elevators. Bathroom door was too narrow for my scooter, so I used my walker, but they do have rooms with a wider bathroom door. Classic hotel done in modern taste nothing
Hotel was very good and no any problem. Atmosphere was good and hotel was very clean. NO
Room excellent, Loby area excellent, short walk to shopping and very excellent restaurant, excellent service. My wife and I staid in room 510 and what we realized was that we could clearly hear the people staying in room 511, not because they were loud, as we could hear them even though they were speaking in a normal voice. This is not a complain, but just for you to know this, as it might be an issue regarding privacy. When you design the rooms as you have, then we think it would be nice if you changed the red lamp next to the sofa, as this do not match the rest of the design and also with one that works :)
The air conditioning was not working. Most uncomfortable. When complaining the next morning.....no one cared at all!
Nice rooms,clean, comfortable beds and bathroom The restaurant. People there was not serviceminded!
Trevlig personal läget Små rum ingen ventilation luktade instängt
Prisvärt, centralt, egen pool
Allt. Bra service, bemötande samt rent och fint. Det ligger bra med. Nej
Ett trevligt hotel med bra läge och mycket trevlig och hjälpsam personal. Nej
New modern hotel with good size rooms and excellent bathrooms. Very good location, very near shops, restaurants etc. Helpful, friendly staff. Hot buffet at breakfast was cold, otherwise breakfast excellent.
Luxurious spacious rooms, nice view in the middle of the city. It's a bit of a challengeto find the entrance to the parking garage/
We upgraded for an extra 20 euros to a room with a balcony and a free minibar. Excellent value and stunning views. Buffet style breakfast was good and lasted till 11am (Saturday). The first room, before we upgraded, had a view of a brick wall.
The hotel was conveniently located in the heart of Andorra The hotel parking is very hard to find, but attached to the hotel once you locate it.
101% good hotel. I got big and modern room with perfect king size bed. Finding parking bit tricky
Central location Comfortable bed Good bathroom
comfort, spaceous, not noisey
New, comfortable, large rooms, well located and good relation price/quality Not really, but make sure you state your preferences when booking.
Very new and top quality hotel - big room with flatscreen tv, excellent bathroom, located right in the middle of a big shopping street. We never managed to find the hotels own garage on the small, curly streets of Andorra, but instead had to park a bit away in a public garage.
Location and the modern nature of this hotel nakes it an obvious choice for visitors to Andorra All perfect!
Central beläget och med hög standard Sängarna något hårda, uselt ljud på TVn.
Rent och trevligt hotell med bra lugnt läge. Vi bodde i ett rum för 4 och vi var 2 vuxna och 3 barn - fungerade jättebra. Hotellet ligger dessutom väldigt nära en fin park för barnen. Frukosten var bra, kostade 12 euro/vuxen (barnen åt gratis). -
läget i andorra var perfekt , nära shopping och resturanger i centrum. garage i källaren med hiss till hotellet , frukosten var bra med mycket att välja på. nej
Good hotel but not worthy of 4 stars. Breakfast is not that good.
Location No
Nothing Zenit Diplomatic is not a 4 stars hotel
This hotel does not offer smoking/non-smoking rooms, which Booking.com does not inform you of. Upon arrival we were put into a room which stank of cigarette smoke so intensely that we could smell it from the corridor. Unfortunately the hotel was fully booked, so despite the fact we booked a double room, we were forced to switch to a twin room (which also stank, just not as much!). No non-smoking only rooms.
Convenient place, swimming pool was a nice extra. Food and drink good and well priced. looks a little tired and parking is expensive. Our view was of the side of a garage not the mountains so go for a higher floor. Expect a 3 star hotel not a 4 and you will be happy.
Helpful staff, comfortable room, good location for shops- The buffet dinner cannot be recommended.
The location was great and the swimming pool was a nice bonus. The carpark, although difficult to get into was very expensive to use. In our room it was advertised that the cafe in the hotel was open until midnight and alternatively if we wanted food we could order pizza direct to the room. This was not true and this false information should be removed. We arrived back from a day out to get food at 11pm but couldn'T. The staff were rude when we complained
All the staff were very friendly and very efficient. The breakfast was excellent. The hotel is well located for the bus station, the shopping areas and business district.
The barman during the afternoon and evening of Monday 17th August was very friendly and extremely helpful. Did not feel that it was up to **** standard.No coffee or tea facilities in the room.
the swimming pool&the bar. the breakfast was a little poor.we had to wait a long time for more food to come available&the quantity was a little poor also,but when we did eat it was fine.parking was a little difficult also to enter&leave.
nice surprise for money, great to be right across street from bus station, nice outdoor pool area, everything very clean.
Everything was good, friendly staff, clean and comfortable place to stay. The price is perfect. We really enjoyed our stay. Thank you! It was a little cold at night and noisy from passing cars on the street
Nothing Hotel is listed as a four star, I would say nothing more than a two star. Staff very unhelpful, room very dirty. We took the half board option expecting quality from a four star, but food was really bad, complained but no result. Booked for 3 nights but moved next morning
Situation in the town. Pleasent staff. Hotel appeared a little worse for wear....could very much do with some room make over. parking should be free for guests.
The breakfast was quite poor. The fitness center (sauna) was closed during July & August.
Clean functional rooms - freindly, helpful staff, good gym. Breakfast food was a bit dull (typically Spanish) - went to cafe in Soldeu before skiing instead.
Limited choice for dinner, but breakfast was good. The parking garage was full and with the prohibited parking in the surrounding streets this was annoying (Although fines are cheaper than parking inside)
Helpful staff Advertised WiFi not availabl.
Good Location and nice staff rooms were pretty ordinary for 84 euros a night and it was pretty noisy during the evening with the people down the hall.
We were near to the Communal Stadium and we were very much satisfied. Everything was good.
A strange mix of not smiling and extra costs. The health centre cost me 7E for a 25 min jacuzzi for myself and my son.
Very professional hotel staff; parking faclities
Everything was fine, would like to come back again. No, all was OK.
The hotel is nice, clean and modern. The staff is very friendly, eager to help and to answer questions. Very important that there is a parking nereby with a convenient access to it. The location of the hotel is very useful for going around the town, shopping, etc. What could be appropriate is some more detailed information with working hours and "how to get there" plans on available facilities (spa, sports, etc.) in a hotel booklet, some hints on the town restaurants, especially those around the hotel.
I know the hotel as I have have been going there for over twenty years. It is centrally located in Andorra la Vella. The brekfast is a disgrace. I wrote to them nicely about it last year whn I visted twice in the summer. This time no croissants at breakfast, only inedible choclatines. And unpalatable breakfast cereal. It used to be so good until Somriu got involved and it has gone downhill. I am sad to not go there again but they have had three chances in the last year.
Near shopping center. There aren't non smoking rooms in the hotel. Parking was expensive
Its good central location near a big car park. Good room on the top with balcony. Only there for the shopping and it fitted the bill exactly. We did feel the bathroom could have been cleaner - very dirty between the tiles a bit of the ceiling was hanging down.
The feeling of giving the key back to reception and leaving the hotel. Spent much time waiting for the girls at reception to actually acknowledge we have walked into the room, the girls were too busy gossiping and laughing to serve us. They were both short and abrupt, and definitely did not have a friendly or welcoming look on their face. The room had ancient doona covers covered in cigarette burns. Beds so uncomfortable, may as well have been sleeping on the floor. The door to the balcony did not lock. The tv didnt work, we were told there was one we could watch in reception, to this day still have never seen this mystery tv. Parking was difficult to find.
Nice hotel near the old town. Nice staff.
Nothing Interior room with a very bad smell, very old and basic room, it doesn't reflect a 3* hotel (2* max.).
A small, but charming hotel. Very clean and a good breakfast. The room was indeed small, but we didn't expect very much, having previously red the comments. A bit far from the center, but Andorra being quite small, that's not a problem. Friendly staff. Good value for money.
Very neat and cozy and artistic. Warm hosts. Excellent breakfast not typical for European accomodation. English could be better. A measure of body language will have to be used by non-French speakers. No air conditioning.
Very close bus station l1,2,3,4,5,6, better for skier
Allowed to check in at 10 AM. Very poor breakfast. Just a croissant, a tart and tea/coffee. Is it so expensive to add some ham, cheese and cereals with milk?
nice staff, nice location
The hotel is open 24 hours a day. It is overpriced
Comfort, location, value for money.
The best hotel for the money offered. Very good breakfest.
It was very well situated very close to the bus stops and the center of the town, everyone was friendly, the room was perfectly fine and comfortable. I didn´t like the fact that people could smoke inside the hotel. It just smelled. And the breakfast was regular.
at EUR 30 a night this is a top hotel. it's not the ritz and the night porter didnt seem too enthusiastic to open the door after 3am but otherwise this place can't be faulted. if you want luxury and giant rooms maybe go somewhere else but as a base to explore andorra and andorra la vella this place is ideal. it is really well located and close to all the main shopping streets, historic attractions etc, although that's also probably true of every other hotel in andorra la vella given that is a town of just 23,000.
Fast booking, fast checking in. Good continental breakfast Problems with wi-fi


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You are now able to deposit money into your casino account using a local bank transfer from your personal bank account. This includes online banking, telephone banking or in person over-the-counter.
Once you have made your transfer, because of the local clearing cycle, there will be a short delay before the funds are received and credited to your casino account. Usually this is in the order of a few days but depends on the banking territory concerned.


text:
MMA Forum - UFC Forums - UFC Results - MMA Videos (http://www.mmaforum.com/forumindex.php)
- UFC vBookie Betting (http://www.mmaforum.com/ufc-vbookie-betting/)
- - UFC 78: Joe Lauzon vs. Jason Reinhardt (http://www.mmaforum.com/ufc-vbookie-betting/25447-ufc-78-joe-lauzon-vs-jason-reinhardt.html)
UFC 78: Joe Lauzon vs. Jason Reinhardt
Joe "J-Lau" Lauzon
Record: 15-3-0
Weight: 155 lbs
Height: 5' 9"
Jason Reinhardt
Record: 18-0-0
Weight: 155 lbs
Height: 5' 6"
Odds are subject to change, so if you like the odds place your bets while you can.
Go Joe Go!
Joe By TKO in 1
Reinhardt by KO!!!!!!!!!!!!!!!!!!!
Jason has an impressive record, but upon closer examination, most of them were all cans.
Joe by round 1 submission!
IS THIS CORRECT IS REINHARDT 5 TO 1 ?!?!?:confused02:
For the record... I say GO JOE, but if Jason is getting 5 to 1, I'm in there like a dirty whore
I think Joe is gonna take this one in the second round.
I went Jason for the odds to. Go Jason
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not used
Rotary blasthole drill rig - Large-range
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Rotary or DTH Drilling up to 12 1/4" (311 mm) – Single passThe Pit Viper 311 blasthole drill can add unsurpassed productivity to your mining operations. The heavy, durable, ergonomically designed Pit Viper 311 can drill a 65 ft (19.8 m) clean hole in a single-pass, which yields higher drilling efficiencies (up to 25% when drilling in soft material) by eliminating rod change time and allowing more time for drilling.
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text:
They say write about what you know, and it seems ex-entertainment lawyer and ex-con Peter Maddock has done just that. It's a shame that what he knows is a world of braying monstrosities who haven't even the decency to be funny.
In an Eaton Square world of improbably sustained vowels, the incestuous king and queen are Henrietta Morningstar and brother Charlie Morningstar (Morningstar equals Lucifer equals fallen angel - clever). Henry and Charlie (the people) are really into Henry and Charlie (the drugs). There are bad jokes based on this non-coincidence.
While our heroes get into trouble with Bolivians, lesbian actress Cara plays Iago to assorted posh junkies. Her only motivation seems to be to keep flowing the arbitrary stream of revelations that constitute the plot.
As Cara, Jacqueline Wood can be fun, but the upper-class stereotypes get wearing.
Maddock throws in bits of Longfellow and Dante, as if such references will invest proceedings with meaning.
The only things keeping the play going are its attempts to be sexy - rarely successful - plus an idea that somehow the weak threads of plot might meet cleverly. They never do. Barely worth a sniff.
Until 27 May (0870 033 2733).
Charlie And Henry
New End Theatre
New End, Heath Street, Hampstead, NW3 1JD
- More about:
- Actors And Actresses
- Actresses
- Bolivia
- Investment


text:
Prime Minister David Cameron warned today that the Government could stop a proposed £500 million bonus payout for investment bankers at the largely state-owned RBS.
With the UK taxpayer owning 83% of the bank, Mr Cameron said that the Government would have a "very big influence" on the level of bonuses paid out by RBS this year.
Reports that RBS is planning to hand out as much as half a billion pounds, despite falling profits, have sparked widespread anger, following the £950 million the bank paid in bonuses last year.
The bank's pay pool, from which salaries and bonuses are paid, is understood to stand at £1.99 billion - only marginally lower than the £2.14 billion figure from 2010 and enough to provide bonuses of around £500 million.
But Mr Cameron today told BBC Radio 2's Jeremy Vine Show: "Let's be clear, that is not the agreed figure.
"The British Government is a major shareholder in RBS. That is a proposal I have read about in the newspapers, that's not agreed.
"We have a very big influence over it. We can stop the £500 million, absolutely."
Mr Cameron said he wanted "responsibility" both from the highest-paid bankers in the City and from those claiming benefits.
But he insisted he would not "go to war" on the bankers.
"We could spend the next six months having a war of words and a great big fight with the banks about everything," he said.
"I think that would be betraying our duty. Our duty is to settle this issue of the bank levy and the bonuses and then to get the banks lending.
"Because the real need in our economy is to get growth, to get jobs, to start up new businesses, to get businesses employing people, and you can't do that if your entire life is spent at war with the banks.
"The right side of the argument is the one that says 'Make sure there is responsibility, but at the same time get the banks lending' and that is what we are doing."
- More about:
- Banking
- Employment
- Jeremy Vine
- Newspapers And Magazines


text:
a play (1952) by Samuel Beckett, originally written in French. It is about two men, Vladimir and Estragon, who are waiting for a third, Godot, to arrive. Very little happens, and during their long wait the men talk about their lives. Godot never comes, and the play suggests that life has no meaning and is full of suffering. It is probably Beckett's best-known play and is often performed in the theatre.jump to other results
Waiting for Godot
BrE ; NAmE
Check pronunciation: Waiting for Godot


text:
Beatowski Boom Bap Essentials
Posted on 21. Sep, 2015 by saintjoe in Bass, Drums, Percussion
If you need some essential boom bap tools for Maschine, Beatowski aims to provide the library for you.
It's a collection of boom bap drum kits along with 5 bass sounds and even a collection of patterns should you feel the need for some extra inspiration.
It's tagged and ready to load up in Maschine and is full of kicks, snares, hats, and percussion.
The bass sounds are setup as Maschine instruments for quick keyboard playing.
Quick Specs
- content: 15 kits, 5 sounds, 60 patterns, 250 samples
- format: Maschine 2.2 or higher
- price: $20
- url: http://beatowski.com/drum-kits/


text:
Mr Billy H. Hoffman
Richmond, Virginia - United States
8 Endorsements
About Mr Billy H. Hoffman
I have been in the business of generating revenue for my small business clients since 1993. My background includes 20 years broadcasting both on and off the air. I create commercials, message on hold, advertising jingles, and websites for my clients who count on the Hoffman Imaging branding usage of Specificity.
If you notice offensive or incorrect information, please contact us.


text:
Welcome to our beautiful 2 bedroom holiday home, new in late April 2016, located at Haven Devon Cliffs Holiday Park. Our home can be privately rented during the summer weeks.
Rental periods are Saturday to Saturday for 7 day periods
1st July to 2nd September 2017
Maximum occupancy 4 guests - children over 7 years only - no pets - no smoking - no exceptions
NB: Not suitable for those who have difficulty with steps, due to steps from parking area down to our home
A high quality home boasting signature panoramic front windows, a large open plan lounge with adjoining kitchen and dining area, a contemporary design and a unique interior layout.
Our holiday home, newly purchased in late April 2016, is available for private rental for a limited period during the summer weeks each year
Breathtaking views of the Jurassic coast, a Blue Flag award winning sandy beach, the SW coastal path, restaurants, cafes, bars, shops, swimming pools, entertainment and activities. What are you waiting for?


text:
24 Canadian Postcards 1908-1950s Beautiful Views
- Sold for: Start Free Trial or Sign In to see what it's worth.
- Item Category: Books, Paper & Magazines
- Source: eBay
- Sold Date: Apr 24, 2011
- Channel: Auction House
24 Canadian Postcards 1908-1950s Beautiful Views
We are offering an Excellent Group of 24 Canadian Postcards 1908-1950s Beautiful Views Good / Very Good condition - please refer to the pictures - Size: 5.5" x 3.5" We have many, many cards to list. Please review picture for card details, they supersize very nicely - Please write with any questions or concerns and I will respond promptly. We accept Paypal, we also ship Internationally, please write and I will quote based on destination! All shipments are made with extreme care and is reflected in our feedbacks which I invite you to review!! Thank you for your consideration!!!


text:
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Four Ancestors(1996)
Stories, Songs, And Poems from Native North America
A collection of stories by Joseph Bruchac
Just as we have four grandparents, so might we describe Fire, Earth, Water and Air as our four ancestors. From the giant who pulled the Sun across the sky to the mighty elk who created the earth, Four Ancestors offers tales from more than 30 Native American cultures. Full color.
Used availability for Joseph Bruchac's Four Ancestors
See all available used copies of this book at Abebooks UK or Abebooks US
Hardback Editions
March 1996 : USA Hardback
|Title: Four Ancestors: Stories, Songs, and Poems from Native North America
Author(s): Joseph Bruchac, S S Burrus, Murv Jacob, Dorothy Strait
ISBN: 0-8167-3843-2 / 978-0-8167-3843-4 (USA edition)
Publisher: Bridgewater Books
Availability: Amazon Amazon UK Amazon CA
Genre Pages


text:
A good time
Sail Date: January 08, 2012
Reviewed: 5 years ago
Traveled As: Family (young children)
Room Type: Oceanview
Pros: Entertainment
Recommends Carnival Pride? Yes!
Category Ratings
Click table then swipe to view all columns.
Click table then swipe to view all columns.
|Service and Staff
|Stewards on Deck 1 was not that knowledgable when I asked a question.
|Food and Dining
|Ship Quality
|Cleanliness was very good but there needs to be more labeling on the walls (ie nothing at the elevators or end of hallways showing which way camp carnival was)
|Children's Programs
|When there was a problem I talked to the director and she said that I could go with my child for a while to get him accustomed but when I took him there the other staff did not want and was very verbal about not letting me stay but only a few minutes where my son needed just a little more.


text:
Family Travel Guides for Every Season
eNewsletter Archives
Taking the Kids publishes two e-newsletters per month, filled with information and advice for families traveling with children as well as tips on destinations and special travel offers from sponsors.
Follow us on Twitter
Recent Comments:
- last minute vacation: Good article! We are linking to this particularly great content on our website. Keep up the good writing.
- Juan Pablo: Why not taking the kids with you in a People to People Travel to Cuba? Good work!
- Bruce McMillan: In 1957, my father was assigned to close down Tokyo Ordnance Depot. We lived in Grant Heights one street east of the run way close to the old...
- vacationtelluride: Nice post!!Thanks for the mention.We vacationtelluride provide Telluride vacation rentals.For any assistance please visit on our website.
- Sharyn Downey - Witzel: I found this site today and enjoyed reading all the messages. I started to cry, have such great memories. My family lived in Grant...
- Erika Christ: Hi Eileen, I ended up with the kids (then 13 & 9) in Flagstaff last summer during a trip to the Grand Canyon. It was not initially on our...
- thomsonriver: In lieu of the crowded beaches of Cancún and Cozumel, make your way to the state of Veracruz, where you can enjoy the seafood like spicy crab broth.


text:
Sarat Ford is excited to offer this 2017 Ford Escape. This Ford includes: CLASS II TRAILER TOW PREP PACKAGE Tow Hitch FRONT LICENSE PLATE BRACKET *Note - For third party subscriptions or services, please contact the dealer for more information.* Want more room? Want more style? This Ford Escape is the vehicle for you. This 4WD-equipped vehicle will handle majestically on any terrain and in any weather condition your may find yourself in. The benefits of driving an Four Wheel Drive vehicle, such as this FordEscape EQUIP GRP 200A, include superior acceleration, improved steering, and increased traction and stability. our dealership Where Customers Become Friends since 1929
Price may exclude tax, title, tags, governmental fees, any emissions testing charges and any finance charges (if applicable). Unless otherwise stated separately in the vehicle details, price does not include documentation, processing, administrative, closing or similar fees. Current mileage may vary due to test drives and vehicle relocation.


text:
Recent Postings
About My Photography
I like mine, but no-one else's.
Photo Gallery
Click to view vincentchopper's gallery. (16 photos)
Click to search for photos of climbers called vincentchopper.
Click to list photo comments written by me. (4 comments)
I've voted for 20 photos, average vote 3.6.
(50% superb - 10% good - 10% average - 10% poor - 20% rubbish)
Been Climbing For
1 to 3 years
Best Onsights
Trad - VS
Indoor - 6b+
Sport - 5c
Favourite Crag/Rock
The Roaches
I Climb...
Most weekends
In the UK
Favourite Climbs
Original Route - Raven Crag
Bird's Nest Crack - Almscliff
Right Route - Roaches Upper
Latest Climbs
Crown S
Victory Crack HS 4b
Sail Buttress HS 4b
Trafalgar Wall S 4b
Rum Wall VD
Stoker's Wall D 3a
Copenhagen Corner S 4b
Dane's Delight V1
Copenhagen Wall VS 5a
Emma's Delight HS 4b
Right Wall Route HVD 4a
Black Hawk Hell Crack S 4a
Ant's Crack S 4a
Latecomer HS 4b
Crack and Corner S 4b
... list all 176 climbs
Ticklists BETA
... not setup
Climbs Wishlist
Flying Buttress Direct E1 5b
... list all 1 climb


text: Hi, On the top right there is an "Inbox" link, on my forum when I pass my mouse over it I get: Conversations N and X have 0 replies. Btw when I go to forums/conversations I get: So it looks like there is an inconsistency/issue in how the ordering is being established. Thanks, Super120


text:
TPC Training Systems' training products on Suspended Scaffolding Safety help employees understand the dangers of working with scaffolds, and how these risks can be minimized by knowing the correct ways to erect, maintain and use scaffolding equipment.
Topics covered in this industrial safety course include:– Responsibilities of a scaffold expert.
– Platforms and planking.
– The danger of power lines.
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– Personal fall arrest systems.
– Guarding against falling objects.
– and more!
If you require Spanish language or VHS format of our Suspended Scaffolding safety training dvd, please contact your TPC Account Manager at 800.837.8872.


text:
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text:
Clown Anemonefish Range
Fast Facts
- Type:
- Fish
- Diet:
- Carnivore
- Average life span in the wild:
- 6 to 10 years
- Size:
- 4.3 in (11 cm)
- Group name:
- School
- Did you know?
- Ironically, Finding Nemo, a movie about the anguish of a captured clownfish, caused home-aquarium demand for them to triple.
- Relative:
- Size relative to a tea cup
Please add a "relative" entry to your dictionary.
Anyone with kids and a DVD player probably thinks they know all there is to know about the clown anemonefish, or, simply, clownfish. What they may not know is that the heroes of Finding Nemo are actually called false anemonefish. True anemonefish, Amphiprion percula, are nearly identical, but have subtle differences in shape and live in different habitats.
Bright orange with three distinctive white bars, clown anemonefish are among the most recognizable of all reef-dwellers. They reach about 4.3 inches (11 centimeters) in length, and are named for the multicolored sea anemone in which they make their homes.
Clownfish perform an elaborate dance with an anemone before taking up residence, gently touching its tentacles with different parts of their bodies until they are acclimated to their host. A layer of mucus on the clownfish's skin makes it immune to the fish-eating anemone's lethal sting. In exchange for safety from predators and food scraps, the clownfish drives off intruders and preens its host, removing parasites.
There are 28 known species of anemonefish, most of which live in the shallow waters of the Indian Ocean, the Red Sea, and the western Pacific. They are not found in the Caribbean, Mediterranean, or Atlantic Ocean.
Surprisingly, all clownfish are born male. They have the ability to switch their sex, but will do so only to become the dominant female of a group. The change is irreversible.
Fish Features
Megafishes Photos
View photos of the world's largest freshwater fish fighting for survival, as pollution, overfishing, and construction threaten the rivers and lakes they call home.
All About the Ocean
Explore and discover the world's oceans like never before with facts, photos, news, video, and more!
Great White Shark Pictures
See close-ups of great white sharks lurking, hunting, and attacking. Download desktop wallpapers of these amazing, often misunderstood predators.
Eels Photo Gallery
The freshwater eel is one of the few fishes to spawn in the ocean and spend its adulthood in lakes, rivers, and estuaries.


text:
Emily Waddle
My voice is on the low end for an adult female, but has a naturally bright timbre, which gives me a wide range of expression -- from plucky child to whiny male teenager to middle aged mother to raspy old crone.
English (North American), English
North American, US General American (GenAm), US South (Deep South, Dixie, Delta), US South West (Texas)
Child, Middle Aged, Senior, Teen, Young Adult
Special Skills
Audiobooks, Cartoons, Documentaries, Educational, Internet, Podcasting, Radio, Television, Videogames
Computer & Software
Reaper (DAW), Lenovo IdeaPad
Delivery Methods
email, FTP/Dropbox/GoogleDrive
Turnaround Time
Typically very fast; ask me
Service Description
Because I am also a musician with a home studio and have extensive experience with audio editing and recording, I can provide a polished file with the audio already cleaned up and any desired effects added.
Payment Terms
Hire Emily as a voice actor. Payment is made through Voices.com SurePay, an escrow service that guarantees your work is done to your satisfaction. Send payment securely by Visa, Mastercard or PayPal through Voices.com then download your files from the website.
Watch a video to see how to make a payment
Next Steps
To contact Emily Waddle about your project, request a quote today. We'll walk you through the process step-by-step. It's fast and easy.
This talent has not uploaded any demos yet.
Title of Your New Demo 7777 Listens
Hire Emily Waddle as a voice actor. Working with Emily Waddle is fast and easy. We'll walk you through the process step-by-step.
Request a quote for your project today.


text:
Posted on June 30 2015
Rainbow days are here!
Much as we enjoy the rain, we also worry about the skin and hair care concerns it brings with it.
At MSMBox we thought why not start the regime of caring and pampering by focusing on hair this monsoon! So whether you believe in a pre-shampoo oil or not, do try the vitamin infused 100% organic silicon-and-alcohol-free argan oil in your box.
There are a lot of other goodies to cheer you up. After all we do promise "A Lot In A Little" ☺
We hope you enjoy "chasing the monsoon rainbows" as much as we do!


text:
Well, they were formerly known as a Wing Zone" and well now, they're known simply as Wing Spot. Located on Washington Ave and 7th Street, right next to Pink Room. Wing Spot has been getting the beach at a buzz with their late night delivery options everyday up until about 3am or 4am, depending on the night. Their selection of wings starts at your choice of either regular wings or the boneless kind. And from there, you have over 25 different flavors to choose from. Their BBQ and Hot & Spicy BBQ flavors seem to be the best to roll with, but you got so many options, it doesn't hurt to be creative. And all combos are served with their in-house potato wedges.
And if you come to a place like this and for whatever weird reason, don't want wings. You have burgers, chicken sandwiches, appetizers, and over 6 $5 salads and over 15 $5 subs.
Overall, its a good spot to satisfy that late night hunger after hitting up the clubs on the beach. And judging by the big "DRAKE WAS HERE AND LIKES WING SPOT" photo that's located right at the entrance – they may be on to something with their wings. Check the info below…
The Wing Spot
729 Washington Ave
Miami Beach, FL 33139
(305) 673-2644
Estimate delivery time: 30 – 60 min


text:
Tuesday, August 24, 2010
MySpace Swallows Fox Audience Network
Los Angeles-based social networking site MySpace, which is a unit of News Corporation, said late Monday that it is integrating the Fox Audience Network (FAN) directly with MySpace. Fox Audience Network is News Corp's ad serving unit. The move comes as FAN President, Adam Bain, is leaving the firm. The Fox Audience Network was created in 2007 as a spinout of MySpace. Mike Jones, President of MySpace, said in a statement that the move would put it in a "great position" to leverage FAN's technology.


text:
The symptoms are not evident immediately after the infection. They show up after 2-6 weeks of exposure to the virus.
The symptoms are:
- Fatigue and tiredness
- Jaundice
- Dark urine
- Soreness in muscles
- Loss of appetite
- Pain in stomach and rib cage
- Mild fever
- Nausea and vomiting
- Attend hepatitis A patients
- Workers in hospitals, sanitation and sewage industry
- Family with hepatitis A affected member
- Traveller moving to rural areas, developing and underdeveloped countries
- HIV positive people, Intravenous drug addicts
As said before hepatitis infection is caused by the virus hepatitis A.
The virus spreads mostly through faecal contamination. A healthy individual who shares food and personal hygiene things with an infected person can get infected.
Sexual contact with a hepatitis victim is also one of the reasons.
Your doctor will definitely evaluate the symptoms and jaundice is one of the telltale signs of hepatitis A infection. Furthermore, your doctor would also about your daily activities, hygiene and food habits.
Furthermore, you need to undergo blood test to confirm presence of hepatitis A. The analysis is done for presence of Anti-HAV IgM antibodies in serum.
There is no specific treatment for hepatitis A virus as your body gets rids of it spontaneously.
However, your doctor will suggest you several health care strategies to help you in quick recovery and you must follow them
Take rest: You need break from office. Rest yourself enough to get over tiredness. Do not exercise
Medicines: You doctor might consider changing the dose of pre existing medicines. OTC pain killers may be advised to cope with body pain
Eating: A drastic change would be advised in this regard. You will be completely restricted from eating outside foods, unhealthy varieties, alcohol or any other varieties that would be tough for your digestive system and liver.
You need to have plain home cooked foods for a certain period. Wash fruits and vegetables properly before consuming. Get a complete list of foods that you can and cannot eat from your doctor.
Hygiene and Cleanliness: Wash your hands with antiseptic before eating and do it frequently. Stay away from sick people for some time. Also avoid intimacy and sexual contact until you the infection has healed.
Hepatitis A infection can be prevented. It is mandatory for all (children, teenagers and adults) to get Hepatitis A vaccine. Check with your doctor about vaccinating yourself.
Apart from that, you need to be extra careful while travelling. This includes eating, drinking, using washrooms, and every other sources of hepatitis A virus.
Hepatitis A is the least serious form of all hepatitis infections. Thus, you can completely heal yourself in a short time once you listen to your doctor's advice and take care in the proper manner.
Written by: healthplus24.com team
Date last updated: March 04, 2014


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Mumford and SonsTue, February 5, 2013 - 7:00 PMTD Garden in Boston, MA
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I Do What I Want Cat Funny Coffee Mug - Cool Present Idea
Regular price
|LET EVERYONE KNOW! - You do what you want, and no one is going to say a thing about it after seeing this mug. Looking for a gift? You've found the one. This coffee mug fits them so perfectly, it's an LOL Guarantee. Finally, you can sit back, click "Add-to-cart" and have a great gift delivered to their door, on time, and in an attractive gift box. A GIFT THEY'LL LOVE - Imagine the look on their face when they open the gift box and find their new favorite coffee mug. They'll know you put in the extra effort to find something unique and special. A perfect gift for both men and women with a sense of humor. HIGH QUALITY - This perfectly sized 11 oz ceramic mug is microwave and dishwasher safe, with text printed on both sides. The custom imprinted text is guaranteed to last. The unique & funny text will make anyone smile.
On Jul-08-16 at 02:09:42 PDT, seller added the following information:


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- Description
Quick Overview
A sculpting cream that firms the deeper layers of the skin. It works to restore the shape and tone of the skin.
Key Features:
- Tones the skin.
- Harmonizes the figure.
- Firms the deeper layers of the skin
Sculptolift - a biotechnological ceramide
How to use product
Apply morning and / or night
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firstly, it has nice fragrance and consistency. I have been using this past 1month and im satisfied till now.but i have still not got the result i needed.will try for a month more
Posted on 1/21/2017
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Click to view larger MEDICAL OXYGEN REGULATOR picture
The product information is provided by Yuyao Jiahua Medical Appliance Co., Ltd Post.
Manufacturer,Trading Company
David Liu
No. 18 CangChu Road
Manufacturer,Trading Company
David Liu
No. 18 CangChu Road
gauge pressure range(bar) input/output:250/5
welding regulator, for oxygen,acetylene, ARGON,CO2 gases, we also have other types of regulators
1.Forged brass body & bonnet for maximum strength.
2.Oxygen, w/safety relief valve is set for safe operation.
3.Sintered metal inlet filter to trap impurities.
4.No soldered joints, for easy maintenance.
5.Easy to read dual scale gauges (BAR/P.S.I) with virtually unbreakable crew-on lean lens
6.Gauges meet EN 562 and BAM approved dual scale (Bar/Psi) and marked for maximum working pressure.
7.Models are available for 200 or 300 Bar Max. inlet pressure.
8.300Bar Max. inlet pressure need to be indicated when orders.
9.Outlet with control valve.
Message notice: the above display information provided by the members themselves, the authenticity of the content, accuracy and validity of release of the member responsible for, recommend that you purchase related products must be confirmed before the supplier qualification and product quality.。


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Oak View student reports suspicious man in van
Published: Thursday, January 14, 2010 at 5:47 p.m.
Last Modified: Thursday, January 14, 2010 at 5:47 p.m.
An Oak View Middle School student in Newberry reported Thursday morning that a man in a van approached him and tried to coax him into the van, the Alachua County Sheriff's Office reported.
Sheriff's spokesmen Art Forgey said the incident happened in the 250500 block of Newberry Road.
The student said a light-skinned black man in a gray minivan drove alongside, commented on the cold temperatures and asked the student if he wanted a ride.
The van stayed alongside the student a short distance until he got to a school crossing guard, Forgey said.
Deputies will be on patrol in the area Friday morning, Forgey added.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.
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Update: 3:42 p.m.
Metro reports that normal Red Line service is resuming on both tracks near Bethesda. The earlier single-tracking was cleared up and the issue involving the cracked rail appears to be resolved. Watch for some lingering delays.
Original Post:
Red Line riders were encountering delays Thursday afternoon due to a cracked rail near Bethesda, according to Metro. Trains are single-tracking between Friendship Heights and Medical Center as a result of the cracked rail.
Metro expects that the situation will be resolved before the evening commute, said Caroline Lukas, a spokeswoman for the transit agency.
The single-tracking and ensuing delays have been impacting riders for several hours. The cracked rail began slowing riders since shortly before 11 a.m., Lukas said.


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WinMan is a great fit for many businesses. Find out if it's the right choice for you! Are you looking for a WinMan demo, technical support, product or pricing information or to simply to compare WinMan with competitive options? Quickly get answers and the information you need.
WinMan's Product Configurator is an advanced module which fits seamlessly with the WinMan fully integrated ERP system. The WinMan Product Configurator saves valuable time and generates a quick return on investment for organizations selling standard products that have many options or accessories.
The WinMan Product Configurator is based on features and options. Each feature's options are controlled with inclusion and exclusion rules. Each feature has an unlimited number of options available. The number of features per base product is defined by the product engineers. Additional parts can be added to the new configured product based on rules of multiple combinations of selected options.
The WinMan Product Configurator is accessible in the WinMan sales order and quotations module for use by the sales force. A sales team member can build a custom configured product for a prospect or customer while allowing the Product Configurator to lead the series of questions needed for the creation of the final product. After all the required features are completed, the bill of material is created and price of finished product is added to the sales order or quote.
Prices are controlled at the option level and rolled up based on selected options and added to a product's base price which is defined in the part master file of WinMan.
"Product Configurator" is part of the WinMan line of products, developed by TTW.


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On April 17, Haven Hospice welcomed staff and Baker County residents to the grand opening and ribbon cutting of their new offices located in Macclenny at 28 West Macclenny Avenue. Haven has served Baker County since 2000, but this is the first physical location in the area which will provide office space for the Haven inter-disciplinary team and volunteers so that they may better serve patients and families.
"The chamber has worked with Haven Hospice for many years on local events and efforts, so Haven now having an office in Macclenny will be even better for the community," said Baker County Chamber of Commerce Executive Director Darryl Register who facilitated the ribbon cutting ceremony. Register told attendees that, "As Baker County grows, Haven will grow too. Both the chamber and the community will continue to welcome opportunities to work with Haven Hospice."
Haven Hospice programs and services are offered to patients and their families which address the physical, medical, emotional and spiritual challenges associated with life-limiting illness. Haven Hospice professionals provide expert pain and symptom management to promote and maximize the quality of life at the end of life. Haven programs and services include the following: a home medical equipment (HME) division, Pegasus Program (for children), Healing Hearts (grief support), Camp Safe Haven (for families, children and teens who have lost a loved one), We Honor Veterans Program, Pet Visitation, Pet Peace of Mind (offering support to a patient's family pet) and Transitions (for those not yet ready for hospice care).
Read More »
Ask for Haven Hospice today. 877-379-6270 Let us share how we can help you and your family.
Stop by one of our locations to donate your treasures, or just to shop!
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Serving North Florida since 1979. Licensed as a not-for-profit hospice since 1980.


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excellent, would recommend
Sail Date: February 17, 2012
Reviewed: 5 years ago
Traveled As: Couple
Room Type: Inside
Pros: entertainment, cruise director- jimmy =awesome, frankie = great
Cons: 4 day travel down , teens and children not supervised or disciplined when misbehave, parents should be held accountable.
Recommends Explorer of the Seas? Yes!
Category Ratings
Click table then swipe to view all columns.
Click table then swipe to view all columns.
|Children's Programs
|better supervision and comsequences for bad behavior
|Ship Quality
|Food and Dining
|Cabin / Stateroom
|Service and Staff


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Vissanu Zumitzavan, Jonathan Michie, "Personal Knowledge Management, Leadership Styles, and Organisational Performance: A Case Study of the Healthcare Industry in Thailand"
2015 | ISBN-10: 9812874372 | 74 pages | PDF | 2 MB
This book presents unique management perspectives from Thailand's Healthcare Industry. It focuses on the areas of Personal Knowledge Management, Leadership Styles and Organisational Performance. The book highlights the various business challenges that organisations face in the context of globalisation, which itself has produced new opportunities and difficulties alike. In addition, it also elaborates on how even large organisations with strong histories can no longer compete unless they are willing to adapt to changing conditions. Demonstrating how transferring and encouraging knowledge within an organisation can generate approaches that promote its continuing success, the book mainly focuses on the perspective of the Resource Based View, a broadly recognised method for maintaining the competitive advantages of an organisation. It also stresses the importance of making the most use of organisational resources. The book offers a valuable reference work, not only for practitioners and academic researchers in the fields of Business & Management but also for students taking Leadership Management, Organisational Learning and Organisational Performance Appraisal courses, serving as a sourcebook for the principles of successful management.
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text: Select an international website Zoover.at Zoover.be Zoover.ch Zoover.co.uk Zoover.com.br Zoover.com.tr Zoover.com.ua Zoover.cz Zoover.de Zoover.dk Zoover.es Zoover.fi Zoover.fr Zoover.gr Zoover.hu Zoover.it Zoover.lt Zoover.nl Zoover.no Zoover.pl Zoover.pt Zoover.ro Zoover.ru Zoover.se Home Destinations Accommodations Awards Add review Add review Add photos Add videos Add new accommodation Add attraction Add acco information Home Add review Croatia Dalmatia Novalja (Pag) Apartments Novalja (Pag) Apartment Gligora*** Popular destination Sibenik Donji Seget Okrug Gornji Krk Pirovac Kastel Novi Dubrovnik Orasac Lozovac Senj Popular destination Sibenik Donji Seget Okrug Gornji Pirovac Kastel Novi Dubrovnik Orasac Lozovac Kali Zadar Popular in Novalja (Pag) Apartments in Novalja (Pag) Hotels in Novalja (Pag) Attractions in Novalja (Pag) Campsites in Novalja (Pag) Apartments Dalmatia Apartments Croatia Reviews Apartment Gligora *** Reviews Photos & videos Tips Question and Answer Weather Apartment info Map 10 0 American reviews 1 international reviews There are no English reviews of Apartment Gligora See reviews in other languages. Or write your own review Add review 9° / 14° 29 Jun 2017 Weather Number 2 of 32 apartement in Novalja (Pag) 1 Review in Apartment Gligora 10 1 Review Appreciation 10 Location 10 Value for money 10 Child friendly - Interior 10 Space 10 Swimming pool - Hygiene - Language: American (0) All (1) ------------ English (1) Party types: All (1) ------------ Family (1) translate _._ 10 hariz, 16 April 2008 Location 10 Value for money 10 Child friendly - Interior 10 Space 10 Swimming pool - Hygiene - thank you for all i love croatia it was the best holiday that i ever had tha apartmants from gligora are very nice and mister gligora with her wife was so friendly to us Would you like to know what to expect on your vacation in Apartment Gligora? Then have a look at the reviews of Apartment Gligora in Novalja (Pag), written by other travelers. Apartment Gligora scores a 10.0 out of 10, based on 1 reviews read more Would you like to know what to expect on your holiday in Apartment Gligora? Have a look at the reviews of Apartment Gligora in Novalja (Pag), placed by other travellers. Besides that you will be able to find 3 vacation photos of Apartment Gligora on Zoover. - - - Less text Actions for Apartment Gligora*** Add review Add photos Add videos Add new accommodation Add attraction Add acco information Print reviews Attractions in Novalja (Pag) Zrce bay Port Plaza Tuna Tower Archeological Find in Novalja Information about Novalja (Pag) Weather Novalja (Pag) Map Novalja (Pag) Photos Novalja (Pag) Videos Novalja (Pag) Question and Answer Novalja (Pag) Are you the owner? Create a Zoover Account and manage your accommodaton, attraction, or restaurant. Click here for more information Zoover link on your website Click here for all Zoover widget options


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For Today's Random Design Photography Inspiration series 6, we have some amazing fashion photography inspiration and illustration about a boy and fox. The artist from Dribble has posted some dribble shot in there portfolio and another photo series about Dolphin with women a advertising company ad for the acoustic mammals.
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US: Dana Holding UAW staff ratify three-year deal
UAW-represented employees at Dana Holding have ratified a new, three-year Global Framework Agreement.
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I spend most of my vacation in really remote areas. I end up going to places where I will never expect seeing another human being but every so often I run into someone. So..... follow ther rule that: assumption is the mother of all >&%@ups
This is a discussion on good shooting gone bad within the Concealed Carry Issues & Discussions forums, part of the Defensive Carry Discussions category; Even if the police officer you are talking to is completely pro-gun, and honestly believes you did the right thing, his supervisors might not be. ...
Even if the police officer you are talking to is completely pro-gun, and honestly believes you did the right thing, his supervisors might not be.
Same with the DA.
So, IMHO, the smart thing to do is:
1. Say something brief and generic, like "I thought he was going to kill me. I defended myself".
2. Tell them you will be happy to make a full statement after you talk to your attorney.
3. Remain silent, other than to repeat the above, or provide your identification information.
Battle Plan (n) - a list of things that aren't going to happen if you are attacked.
Blame it on Sixto - now that is a viable plan.
Learning to shoot again : Starting Over
I spend most of my vacation in really remote areas. I end up going to places where I will never expect seeing another human being but every so often I run into someone. So..... follow ther rule that: assumption is the mother of all >&%@ups
The facts have been found that there was no one behind him on the trail and that the folks who heard the shots were miles away.
They weren't close to civilization either as he had no cell service and claims he hiked some 40 minutes to a highway for help.
A gun shot can be heard over land for miles.
Again in this specific instance there were no hidden witnesses and such.
Definitely though the possibility is there for folks in less remote areas or situations.
- Janq
"Killers who are not deterred by laws against murder are not going to be deterred by laws against guns. " - Robert A. Levy
"A license to carry a concealed weapon does not make you a free-lance policeman." - Florida Div. of Licensing
Did I miss this in the post.
Did they give him his miranda rights?
Like some of you said--Don`t talk till your lawyer is there.
His first problem was not keeping his mouth shut. His second was he fired a warning shot at the dogs. If you are that scared for your life and safety you would not fire a warning. I would have let the dogs closed on me and only fired if the dog was within so many feet or was going to maul me. then if he attacked, you would have had a more valid claim to self defense. Oh yeah did I say STFU.
10mm with hollow points would be a damn fine choice for that area - cougars seem to think people are quite tasty. I would not be hiking there without some sort of protection, and a rifle is not really practical when hiking like that.
The initial shot that caused the dogs to quit their attack should have been a damned good clue that the gentleman was going to defend himself. To run at him at that point making death threats = suicide!
See self defense insurance thread. All the more reason to have it.
I think this story for me reafirms how much trouble you are in for if you shoot and kill someone out of self defense. This might be the worst case scenario, a crazy or drugged person coming after you. They don't care that you have a weapon and it puts you between a rock and a hard place. Do you turn your back and run? Do you shoot what appears to be an unarmed person? If I am 1 on1 with another person and they are unarmed I am not going to shoot if at all possible. He was a hiker and probably in good shape. Could he have outrun this guy? Its easy to second guess. I would have not fired any warning shots at the dogs. I do not fear being over powered by a common mixed breed dog when I have a 10 mm in my hand. You might get bitten that's true. Most of the time it's a warning. This unstable person may have believed the hiker was shooting at Him! I don't think his life was in any danger at the time he fired a warning shot at the dogs. Stating, "I feared for my life" is not a shield thats going to protect you unless there is evidence to support your claim. I wonder if a strategic retreat or altering his route was possible. If this deceased man had a weapon of any kind, the shooting would have been ruled self defense most likely.
Fast is fine, but accuracy is everything
Wyatt Earp
NRA Member


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Highland Lakes Furniture carries the following products. Select a manufacturer below to view the lines and collections carried by this retailer:
Sealy produces a broad range of innerspring and specialty mattresses and foundations through the Sealy, Sealy Posturepedic and Optimum brands ... See Sealy models »
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Highland Lakes Furniture is a furniture retailer that sells mattresses in addition to other types of home furnishings. Headquartered in Marble Falls, TX, Highland Lakes Furniture carries a variety of mattress models from which to choose, including mattresses from Sealy. Highland Lakes Furniture has a home furnishings store in Texas.
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Для получения актуальных цен по гостинице Best Western Lamphey Court Hot, пожалуйста, укажите интересующие вас даты и выполните поиск.
P, BEST WESTERN Lamphey Court Hotel and Spa takes pride of place in spacious grounds. Nearby sandy beaches, hidden coves, offshore islands, Norman castles, local craft shops and challenging golf courses are well worth a visit too.
Good food (fresh and locally produced) is served with fine wine, and you can serve your own big hits on our floodlit tennis courts! On-site holistic and beauty therapies at Oakwood Leisure will have you feeling fantastic in no time. We also have a Helipad for special occasions and special guests! Please note: some rooms are located in a converted coach house separate from the main building.
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The Committee of Secretaries (CoS) had directed that heads of FMC and SEBI should be represented on each other's board so that there could be policy convergence of financial sector regulations relating to capital markets
New Delhi: With a view to bridging regulatory gaps, the high-level panel tasked to re-write financial sector laws will take a call on nominating Forward Markets Commission (FMC) chairman on the Securities and Exchange Board of India (SEBI) board, reports PTI quoting a senior finance ministry official.
The Committee of Secretaries (CoS) had directed that heads of FMC and SEBI should be represented on each other's board so that there could be policy convergence of financial sector regulations relating to capital markets.
As there is no provision for having a special invitee on the board of SEBI, the government will have to amend the SEBI Act, the official said, adding an opinion to this effect was also expressed by the ministry of law.
"In order to implement the CoS decision, the matter has been referred to Financial Sector Legislative Reforms Commission (FSLRC)," he added.
FSLRC, chaired by justice (retired) BN Srikrishna, was constituted in March this year to rewrite and streamline financial sector laws, rules and regulations in line with the economic liberalisation programme of the government.
There are over 60 Acts and multiple rules and regulations in the financial sector and many of them date back decades when the financial landscape was very different from what it is today.
Moreover, the large number of amendments in financial sector Acts over the years have increased the ambiguity and complexity of the system.
The 10-member commission was given 24 months to submit its report to the finance ministry.
The Insurance Regulatory and Development Authority seems to have woken up to the ill effects of highest NAV product mis-selling. J Hari Narayan has hinted that a few traditional products also could be axed. The regulator is in favour of same insurer for accumulation and annuity phase of pension products
The Insurance Regulatory and Development Authority (IRDA) is closely looking at all the highest NAV products available in the market. "We are looking at all the message around these products, how these products are sold, what the customer understanding is of the product. We feel there is mis-selling in highest NAV products," IRDA chairman J Hari Narayan has said.
It looks like IRDA has made up its mind about showing the door to highest NAV products. The thought has come up after highest NAV products have been in the market for more than a couple of years.
Moneylife has maintained all along that 'highest' NAV unit-linked insurance plans (ULIPs) give suboptimal results and cause confusion for customers. The most important point to understand is that insurance companies are guaranteeing NAVs and not returns!
Late, but IRDA has finally woken up to the way highest NAV products were sold in the market and the perception it was creating in the minds of customers about the kind of returns which could be expected with these products. Most of the investment would be in debt instruments and the returns no better than any other similar investment.
Last year it was Universal Life Policy (ULP) that IRDA suddenly discovered was toxic and decided to scrap it after it was in the market for over a year. It found its way back re-christened as Variable Insurance Policy (VIP). This year IRDA has found a new target, the highest NAV product.
Insurance companies Moneylife has interacted with recently are not happy with the IRDA's hint at scrapping highest NAV products. According to one insurance company head, "It is possible customers feel that they are going to get highest equity market return over the years. More disclosures would be the answer. Removing highest NAV will lower the number of product offerings. In that case, customers should only buy FDs, but that also is subject to mis-selling."
An interaction with agents in the past did reveal the wrong impression given about the amount of equity exposure in the product and the duration of equity over the policy term. Either the insurers were misleading their agents or the agents misleading potential customers.
Some time ago, Birla Sun Life launched 'Foresight' with an offer to put your investments at the lowest NAV in the year and offer highest NAV for returns. The concept was catchy for the layman with the advertisement pitch of not worrying about the entry point in the market. The problem was the way three different calculations were compared to decide how much the customer gets at the end of the policy term. This was beyond the layman's understanding.
IRDA is also looking at traditional products with a low insurance component. According to the IRDA chairman, "The Direct Tax Code (DTC) will enforce a certain premium-to-sum-assured ratio. We want to ensure traditional insurance products comply with the new requirements."
Clearly, traditional insurance products in general are low in insurance component and some which have decreasing sum assured, offering sum assured as specific rate of return on the premium paid and insignificant sum assured, will be the first products that are on the IRDA list to be dropped.
The IRDA chairman is also against the LIC enjoying over 95% market share in annuity products. The IRDA exposure draft of pension products specifies that the customer be restricted to the same insurance company for both accumulation phase and annuity phase of the product.
Reliance Telecom and Swan Telecom Private Ltd, an alleged beneficiary of the scam, have been taking the defence that they were not 'associate' firms as RTL's stake in STPL was below 10%, as mandated under the guidelines for the Unified Access Service licenses
New Delhi: The Central Bureau of Investigation (CBI) was today directed by a Delhi court to file law ministry report which said that a firm should have more than 10% stake in another for being termed an 'associate', a plea taken by the second generation (2G) scam accused Reliance Telecom and Swan Telecom, reports PTI.
"It is ordered that the CBI would place a copy of the report received by it from ministry of law and Justice through Department of Telecommunication (DoT) on record on 21st September, the next date of hearing," special CBI judge OP Saini said.
Reliance Telecom (RTL) and Swan Telecom Private Ltd (STPL), an alleged beneficiary of the scam, have been taking the defence that they were not 'associate' firms as RTL's stake in STPL was below 10%, as mandated under the guidelines for the Unified Access Service (UAS) licenses.
Essar Telecom, which allegedly created Loop Telecom as its front company to get licenses, has taken the same plea.
"No single company/legal person either directly, or through its associates, shall have substantial equity holding in more than one licensee company in the same service area for the Access Services namely: Basic, Cellular and the UAS.
'Substantial equity' herein will mean 'equity of 10% or more'. A promoter company/legal person cannot have stakes in more than one licensee company for the same service area," the UASL guidelines said.
CBI, on the other hand, has been alleging that STPL was an associate firm of RTL created to circumvent the then guidelines of DoT which debarred existing CDMA players from venturing into GSM segment.
RTL later passed on the control of STPL to promoter and co-accused Shahid Usman Balwa after the DoT allowed it to avail the facility of dual technology, the agency said.
Law secretary DR Meena, in his report to the DoT, had said the term 'associate' could be determined only by applying the 'share-holding' test between telecom firms.
"It is a common mistake to confuse a mere 'association' with a definition of an 'associate company'. Companies may have common interests, common business strategies, financial dealings, business pacts and understandings. It is common knowledge that in the telecom sector, several companies enter into business arrangements for technical support and strategies like sharing of towers.
"To that extent, they certainly have an 'association', but by no means they can be termed as being 'associates' of one another, on that ground. The true test, therefore, is to apply the shareholding test," the report said.
However, the names of accused telecom firms did not figure in the report of the law ministry.
The judge said though the CBI was justified in opposing the plea of the accused, the court was asking for the report as the investigators have left the issue to its discretion.
Initially, the CBI, during the arguments, took the plea that it cannot be forced to bring on record the 'unsolicited' opinion of the law ministry as it had no relation with its probe and filing of the charge sheet in the case.
Later, CBI took a u-turn saying "we leave it to the discretion of the court. It is not a relied upon document.
However, we have no objection, if court wants it."
"The report is largely legalistic in nature clarifying a law point only. The prosecution is not likely to suffer any prejudice by its production. Accordingly, in the interest of fairness of trial and transparency, I deem it proper that a copy of the said report be placed on record by the CBI," the court said.
The court said in the interest of justice, the report be placed on its record.
"The case is still at the initial stage of arguments on framing of charges. The instant case is a case of grave magnitude with unimaginable allegations of corruption. It is trite to remark that justice should not only be done but should also be seen to have been done," it said.
It would now hear arguments on the law ministry report on 21st September on behalf of the CBI and various accused and after that the order on framing charges could be pronounced against 17 persons including former telecom minister A Raja and DMK MP Kanimozhi.


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Seasons' Greetings from your BICS team
During the holiday season more than ever, our thoughts turn gratefully to those who have made our progress possible. It is in this spirit we say, simply but sincerely... Thank you and Season's Greetings!
May your holiday season be all wrapped up with cheer and filled with celebration!
See you in 2017!