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Growth & Income
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Estimates have been rising for Bob Evans Farms, Inc. (BOBE - Snapshot Report) after the company delivered better-than-expected results for the third quarter of its fiscal 2012 on February 14.
It is a Zacks #2 Rank (Buy) stock.
Based on consensus estimates, analysts expect 16% EPS growth this year, 8% growth next year, and 9% growth over the long-run. On top of this, the company pays a dividend that yields a stellar 2.6%.
Company Description
Bob Evans Farms, Inc. owns and operates 709 restaurants as of January 27, 2012, including 564 Bob Evans Restaurants in 18 states and 145 Mimi's Cafes in 24 states.
Bob Evans Restaurants are primarily located in the Midwest, mid-Atlantic and Southeastern United States, while Mimi's are mostly in California and other western states.
The company was founded in 1953 and is headquartered in Columbus, Ohio. It has a market cap of $1.1 billion.
Third Quarter Results
Bob Evans reported better-than-expected results for the third quarter of its fiscal 2012 on February 14. Earnings per share came in at 69 cents, beating the Zacks Consensus Estimate by 9 cents. It was a 35% increase over the same quarter last year.
Net sales were flat year-over-year at $428.3 million. Negative same-store sales at Mimi's was offset by same-store sales growth at Bob Evans Restaurants.
The gross margin did contract a bit due to higher commodity costs in the foods segment. But this was more than offset by a decrease in wages as a percentage of net sales.
The company also benefited from a lower tax rate in the quarter.
Following solid Q3 results, management raised the lower end of its fiscal year 2012 EPS guidance from $2.36 to $2.38, and reaffirmed the upper end of $2.44.
This prompted analysts to raise their estimates for both 2012 and 2013, sending the stock to a Zacks #2 Rank (Buy) stock.
The Zacks Consensus Estimate for 2012 is now $2.45, slightly above guidance, and representing 16% growth over 2011 EPS. The 2013 consensus estimate is currently 8% higher at $2.64.
Over the long run, management believes it has the "resources and programs in place" to deliver annual EPS growth in the 7-10% range. The 5-year consensus EPS growth rate among analysts is within this target at 9%.
In addition to solid earnings growth, the company pays a dividend that yields a stellar 2.6%. Since 2000, the company has steadily increased its dividend at a compound annual rate of 9%:
The valuation picture looks reasonable with shares trading at 15x 12-month forward earnings, in-line with industry median. Its price to cash flow ratio of 8 is also in-line with its peers.
The Bottom Line
With rising estimates, solid growth projections, a 2.6% dividend yield and reasonable valuation, Bob Evans offers investors attractive total return potential.
Todd Bunton is the Growth & Income Stock Strategist for Zacks Investment Research and Co-Editor of the Reitmeister Value Investor.
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The Pete Holmes Show
Angel gets the ax in new installment of Pete Holmes' 'Ex-Men'
When Professor X gave Wolverine and Gambit their pink slips, he was only getting started: In the latest "Ex-Men" sketch for his new late-night show on TBS, comedian Pete Holmes once again dons the bald cap to hand Angel, one of the founding members of the X-Men, is walking papers.
"Do you have any idea how many of the X-Men fly and do something else incredible?" asks Holmes' Xavier. "You just fly, and it's not even like an internal power, like something you focus. You literally have giant f—ing wings. You're a f—ing bird."
Watch the video below. The Pete Holmes Show airs weeknights at midnight ET/PT on TBS.
Pete Holmes deals another pink slip in 'Ex-Men: Gambit'
It looks like Wolverine will have some company on the unemployment line — and I'm sure he'd be excited to know it's Gambit.
The Cajun X-Man is the latest victim of Professor X, played by comedian Pete Holmes, who is apparently culling down the X-Men. Holmes finds Gambit's card tricks unimpressive, saying "Are you hearing as we're speaking how incredibly lame you are?"
Watch the full clip below. The Pete Holmes Show premieres Oct. 28 on TBS.
Logan gets the ax in Pete Holmes' 'Ex-Men: Wolverine'
Wolverine may be the most popular X-Men, but Professor Xavier has had just about enough of his nonsense.
In a video to promote his upcoming late-night show on TBS, comedian Pete Holmes dons a bald cap to give the hirsute mutant the pink slip. It turns about Wolverine may not be the best there is it what he does after all.

subset: commoncrawl


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text: Best Celebrity Instagram Pictures May 2013 May's Cutest Candid Celebrity Snaps May 31, 2013 Share This link Best Celebrity Instagram Pictures May 2013 8 / 75 by Maria Mercedes Lara 0 Save 0 Favorite 1 Bar Refaeli showed off her bikini body during a beach day in her native Israel. Source: Instagram user barrefaeli More Photos Previous 8 / 75 Next by Maria Mercedes Lara 0 What's Your Reaction? 0 0 0 0 0 0 Bar Refaeli showed off her bikini body during a beach day in her native Israel. Source: Instagram user barrefaeli More Photos ‹ Back to Homepage Save 0 Favorite 1 Follow POPSUGAR Celebrity Pinterest Twitter Google + Instagram Featured Partners Mila Kunis & Ashton Kutcher Attend Her Brother's Wedding Evangeline Lilly Is Bummed About Her Butt on Women's Health Cover Jesse Tyler Ferguson and Justin Mikita Are 'Baby Crazy' Miley Cyrus & Ariana Grande Brighten PEOPLE's Jingle Ball Photo Booth More News at PEOPLE.com Joe Jonas Feels "Relieved" After New York Magazine Tell-All, Demi Lovato's Not Mad Beyonce Steps Out in Fur Collar While Going Vegan: See the Picture James Franco Shares "Almost Nude" Bathroom Selfie on Instagram Keri Russell, Husband Shane Deary Step Out Together Post-Split With Kids River, 6, Willa, 23 months: Pictures More News at Us Weekly You Won't Believe Who Makes Mark Ballas Cry So, The Kimye Wedding Might Take Place In A Real Life Palace Mindy Kaling Is A Champion Of Body-Acceptance Kaley Cuoco Rocks Bikini While On Vacation With Fiance Ryan Sweeting More News at Huffington Post popsugar live! NOW Watch POPSUGAR LIVE! Now NOW Watch POPSUGAR LIVE! Now Sponsored Links Subscribe to POPSUGAR Subscribe now to get instantly addictive email delivered to your inbox! Daily Sales & Arrivals Celebrity & Entertainment Featured Shops Fitness Fashion & Beauty Living Must Have ShopStyle Search Top BrandsAudrey BrookeValentinoAlice + OliviaNine WestphilosophySam EdelmanPradaDL1961 Top Searchesbetsey johnson watchmoccasins for womenj.crew salestrapless dressjil sanderwomen s clothingankle strapnike shoes


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(713) 960-9030
De Beers is open today from 10am to 9pm.
- Monday to Saturday
- 10am - 9pm
- Sunday
- 11am - 7pm
Special Hours:
- 12/13 - 12/14/2013:
- 10am - 10pm (Holiday Hours)
- 12/15/2013:
- 10am - 7pm (Holiday Hours)
- 12/16 - 12/21/2013:
- 9am - 10pm (Holiday Hours)
- 12/22/2013:
- 10am - 8pm (Holiday Hours)
- 12/23/2013:
- 9am - 10pm (Holiday Hours)
- 12/24/2013:
- 9am - 6pm (Christmas Eve)
- 12/25/2013:
- Closed (Christmas Day)
- 12/26/2013:
- 8am - 9pm (Holiday Hours)
- 12/27 - 12/28/2013:
- 10am - 9pm (Holiday Hours)
G, first floor, near Saks Fifth Avenue
De Beers
De Beers knows diamonds. But make no mistake, De Beers cut-diamonds and diamond jewellery are exclusive and only available from our De Beers boutiques around the world.
Each cut diamond is certified with the unique De Beers mark of authenticity. A mark of quality, beauty and assurance that can only be provided by De Beers authorized boutiques.
With De Beers, diamond 'quality' is assured. We cut for 'beauty' to create stunning pieces of diamond jewellery that stand the test of time.
See all things at The Galleria®: Jewelry & Watches
A single line of diamonds in this Arpeggia Bracelet appear to dance across a musical score as they catch the light and sparkle, making it the perfect accessory this holiday season. View this bracelet and the rest of the Arpeggia Collection in our Gift Finder http://bit.ly/1g3qAlM
DeBeers - 12/6/2013
This festive season we will be highlighting our most memorable gifts to make your holiday truly sparkle. Whether buying for yourself or a loved one, De Beers Gift Finder will help you find the perfect gift. http://bit.ly/1g3qAlM
DeBeers - 12/3/2013
Zhang Jingchu wears pieces from the Talisman Collection. Once the exclusive privilege of kings and queens, rough diamonds are brought to life in this iconic collection. View the actress's Moments in Light short film: http://bit.ly/17QEAHm Browse the Talisman collection here: http://bit.ly/IgD23b
DeBeers - 12/2/2013
Michelle Dockery looked radiant in the Aura Double Halo Studs and our Infinity Bands in White and Pink gold at the Winter Whites Gala, held at Kensington Palace on Tuesday evening. View the Aura Double halo Studs: http://bit.ly/1b11Wym View the Infinity Collection: http://bit.ly/18bwpFO
DeBeers - 11/29/2013
The Enchanted Lotus Studs in Pink Gold showcase our signature thread pavé which continually flows in the form of a lotus flower, cumulating in a central diamond. View these earrings and more in our Gift Finder: http://bit.ly/1g3qAlM
DeBeers - 12/4/2013
This delicate pendant is a new addition to our Aura Collection. Captivating and lustrous a halo of diamond pavé enhances the central solitaire diamond like a radiant light. http://bit.ly/183nxYe
DeBeers - 11/18/2013
The DB classic with Tapered Baguettes features a trinity of divine diamonds. A round brilliant centre solitaire is flanked by two tapered baguette-cut diamonds, this is a classic and timeless engagement ring. This piece is just one of ten styles you can choose from with our For you, Forever service. For more information: http://bit.ly/HFgdFw
DeBeers - 11/12/2013
Based on the love story of the goddess Aphrodite and her lover Adonis The De Beers Adonis Rose is a classic piece with a creative twist. Choose from this design and nine others in our new For You, Forever service. Find out more: http://bit.ly/HFgdFw
DeBeers - 11/9/2013
Our new For You, Forever service includes five fancy cuts along with round brilliants. View them all on our Pinterest board and pin your favourites. http://bit.ly/1cBoE31
DeBeers - 11/7/2013
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DeBeers - 11/20/2013
The De Beers Aura Double Halo offers twice the radiance with a second ring of pave surrounding the brilliant solitaire centre, making it the perfect token of love. Discover more diamond engagement ring styles with our For you, Forever service, in stores now. For more information: http://bit.ly/HFgdFw
DeBeers - 11/13/2013
The DB Classic Solitaire, a timeless style that honours the diamond with effortless simplicity. Just another style that you an choose from with For You, Forever. http://bit.ly/HFgdFw
DeBeers - 11/10/2013
The Promise is the epitome of romance; two pavé threads entwined in eternal love. Choose from this design and nine others in our new For You, Forever service. Find out more: http://bit.ly/HFgdFw
DeBeers - 11/8/2013
Proudly studded with rough and polished diamonds alongside meticulously placed open work, our new Talisman Medal interacts with the light bringing radiance and natural brilliance. Explore more pieces from our Talisman collection in our Gift Finder: http://bit.ly/1g9MEeB
DeBeers - 12/5/2013
Give the gift of everlasting love this Thanksgiving with the Infinity Bands. These versatile bands are available in various colours and are designed to be worn alone or stacked. View the Infinity Collection here: http://bit.ly/1cPcHSN
DeBeers - 11/28/2013
We are delighted to announce the release of a short film by Chinese actress Zhang Jingchu, in continuation of our Moments in Light celebration. Inspired by the wonders of light and love, this film illuminates the actress's own Moment in Light. Discover more about the Moments in Light celebration: http://bit.ly/19KTnTK
DeBeers - 11/21/2013
We are delighted to announce the opening of our new Vancouver store which opened earlier this month. Step inside our new store and discover the fire, life and brilliance of our diamonds. To book an appointment at any of our stores please visit http://bit.ly/1bMW0Jt
DeBeers - 11/19/2013
Our new in-store service, For You, Forever is available now. Work with your Brand Ambassador to shortlist your favourite styles and diamonds, make your final selection for a truly unique piece, individually crafted for you, forever. For more information: http://bit.ly/HFgdFw
DeBeers - 11/15/2013
Zhang Jingchu wears the Lovely Lace Stacks of Sparkle rings, from our Reverie Collection and the Aura High Jewellery Necklace. The Reverie Collection of exquisite diamond rings has been crafted to capture that incandescent moment when dreams come true. View the Stacks of Saparkle here: http://bit.ly/WrrwVL
DeBeers - 11/25/2013
We filmed more than 2,000 of our round brilliant diamonds for our new For You, Forever app using our exclusive iris technology to let you view inside of the diamond. By shining light into each of the diamond's facets we give you the opportunity to see the beauty of your diamond through the eyes of an expert. Find out more about the De Beers Iris: http://bit.ly/1aEn3Id
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DeBeers - 11/11/2013


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One of the first requirements of the project startup phase is to develop the organizational chart for the project and determine its relationship to the parent organizational structure. Figure 4-5 shows, in abbreviated form, the six major programs at Dalton Corporation. Our concern is with the Midas Program. Although the Midas Program may have the lowest priority of the six programs, it is placed at the top, and in boldface, to give the impression that it is the top priority. This type of representation usually makes the client or customer feel that his program is important to the contractor.


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Lufthansa Adds More Domestic Flights, New Tourist Destinations
Features & Advice | Lufthansa | James Ruggia | October 25, 2012
Lufthansa this winter will operate hourly flights on three of its domestic German routes from Frankfurt to Hamburg, Munich and Berlin....
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Grand Theft Auto: Liberty City and Vice City stories will soon be available to download on the Playstation Network. Later on this week, the downloads will be made available on the PSN Store for £7.99/€9.99/$9.99.
The games, which were originally created for the PSP, then later making their way to the Playstation 2, feature two rather different storylines. Liberty City Stories takes place in 1998 with mafia factions warring over the city, while Vice City Stories is set in 1984 within Miami, with drug lords battling for power in the upcoming city.


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Entertainment One Strikes DVD Deal With Focus World
Pact covers such films as Thomas Vinterberg's "Submarino" and Alma Har'el's "Bombay Beach."
Entertainment One has struck a U.S. distribution deal with Focus Features to release selected titles on DVD from Focus' recently launched digital premiere label Focus World.
The first title under the agreement is Thomas Vinterberg's film Submarino, the tale of two brothers in Copenhagen who share a dark secret.
The deal also covers Alma Har'el's documentary about a forgotten California town Bombay Beach, which won the documentary prize at the year's Tribeca Film Festival. It debuted digitally on Nov. 1 and will roll out on DVD in January.
Launched earlier this year, Focus World releases titles as premiere releases on EST, iVOD, and VOD, along with DVD and other formats.
"We are thrilled to be working with Focus Features and to align our company with an innovative brand like Focus World, which is striving to present quality, daring and bold filmmaking to consumers," Michael E. Rosenberg, president, film & distribution, Entertainment One U.S., said.
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It's Official: Jerry Bruckheimer, Paramount Reach First-Look Deal


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Banking & Finance
Banks seek new ways to train execs
- David Mills
Employee training in banks isn't what it used to be. There is less of it, and it's not as extensive as it was even a decade ago.
"All banks used to have some sort of training program. They did a terrific job training young bankers," said Russ Colombo, president and chief executive officer of Bank of Marin.
Colombo should know. He went through a training program with California First Bank (now Union Bank) in 1975. Back then, training lasted for one to two years, and employees on their way up the ladder worked in every department, learning bank operations, credit skills and customer relations. They were then placed as assistant bank managers, credit department heads or commercial banking officers.
Today, he said, all banks still have some sort of training, especially as new regulations come down or technology advances. But traditional, lengthier training to groom employees for posts such as branch manager are fewer and farther between, even at bigger banks.
Colombo said there are a number of reasons for that. Among them: the expense, employee turnover and the recent rash of mergers.
"In those situations, banks are looking to cut staff instead of adding staff," he said.
Wells Fargo executives say they still provide training for many of their employees. They say 2,300 workers in Northern California are eligible for training in community banking. At any given time, several hundred will be in training programs.
Regional Development Manager Mark Kelsey said Wells Fargo also provides training for employees stepping into a new job, and still has some traditional training for branch managers.
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Solon, Iowa
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My self-summary
Hi my name is Jacob, I grew up in small town Iowa, and have done
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I'm not shy so you shouldnt be either! Say Hi! :)


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A lovely, friendly and accessible white with attractive ripe peach, pear and melon notes. Medium- to almost full-bodied. Lovely for chicken with herbs. Pinot Gris food pairings: spicy noodle dishes, mandarin orange salad with roasted almonds.This Pinot Gris was reviewed February 2, 2013 by Natalie MacLean
Serve this wine between 55-60 degrees Farenheit or 12-16 degrees Celsius. Tip: If your bottle is at room temperature, put it in ice water for about 30 minutes or in the fridge for about three hours to chill it.
You get my Free Newsletter with articles and tips just for signing up below. But for $2.10/mth, the cost of an incredibly tiny coffee at Starbucks, your wine drinking pleasure will soar.
Natalie who?Yes, I'm a certified sommelier and was named the World's Best Wine Writer at the World Food Media Awards. Blah, blah, blah. What really matters is that I know which wines can increase your hedonistic happiness... a lot. Don't worry, spam doesn't pair well with wine!
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There is a host of other environmental organisations on the web, but here are a few links that may be of interest:
Our other websites
Green Books Guides – this gives details of our guides to recycling, composting, cutting car use, etc. which we sell to local authorities and other bulk buyers.
Transition Books – our website for all our Transition titles.
The Schumacher Circle
Green Books is one of the members of The Schumacher Circle, an informal network set up in 1994 to bring together a number of organisations which owe their existence to, or have been greatly inspired by, the work of E.F. Schumacher. The other members are The Soil Association, Practical Action (formerly Intermediate Technology), Jeevika Trust UK (formerly the India Development Group), The Centre for Alternative Technology, The New Economics Foundation, Schumacher College, The Schumacher Society and Resurgence magazine.
Other green & radical publishers
Common Courage Press – radical US publishers.
South End Press (radical US publishers)


text:
Top Stories sony ces
Sony Xperia Sola Hits Harvey Norman
While it hasn't had the same hype as the Xperia S (review), it looks like we'll be getting the Xperia Sola rather quickly in the Australian market, albeit not on a contract.
Sony's 2012 Bravia Strategy: Content, Pictures And Gorillas
Sony's slimmed down the number of televisions it'll launch into the Australian market in 2012, with a focus on picture quality and smart TV — but not "games and gimmicks". According to Sony, it's all about the content.
HTC One X Vs Sony Xperia S Review Battlemodo
Two premium Android smartphones eye each other off nervously before entering into the Battlemodo arena. One sells itself on its insanely high resolution screen; the other on its insanely fast camera. Only one of them can be our preferred Android superphone — which one will it be?
You Can Use Sony's HMZ-T1 To Play VR Skyrim
When Danny reviewed the Sony Personal 3D Viewer HMZ-T1, the one thing he wished it could do was head tracking for in-game play. With a little persistence, an IR tracker and Kinect, it's possible to do just that.
Sony Personal 3D Viewer HMZ-T1 Review
Why Sony Music Unlimited Offering Offline Playback Is So Awesome
Sony Music Unlimited, the all-you-can-hear music subscription service that represents Sony's answer to Spotify, MOG, Rhapsody and so on, added a crucial new feature to its Android app on Thursday: the ability to store music on an Android smartphone or tablet so that music fans can play it back without using a Wi-Fi or wireless data connection.
Got A 3D TV? Sony Will Loan You 3D Cameras, Games And Movies – Free
I'm still not sold on 3D, but I've almost been hooked when I've filmed 3D home movies and watched them on a 3D TV while reviewing products. That personal connection may just be the tipping point for some people to invest in 3D cameras, and Sony's happy to oblige. The Aussie program is a first and a pretty interesting idea.
Sony's Personal 3D Viewer Available For Pre-Order On Friday
Say goodbye to fights with the other half over who gets to watch the TV – Sony has just announced that its personal 3D viewer is coming to Australia, with 100 units available for pre-order on Friday.
Sony's First Android Walkman Headed To Australia
Just like the iPod touch isn't just for music anymore, neither is the Walkman. Sony's Z1000 features a 4.3-inch (800×480) display, Tegra 2 processor and Android 2.3 (Gingerbread) with full access to the Android Market. Watch Gizmodo Australia's quick hands-on video with the player from CES.
Sony Google TV 2.0 Box Video Hands On: NSZ-GS7 Could Hit Australia Mid 2012
It's no secret that early Google TV devices had potential but pretty much bombed. But the renewed enthusiasm we saw from numerous vendors at CES – including LG, Sony and Samsung plus chipmakers Qualcomm and Marvell – suggests that Google TV 2.0 devices (complete with Android Market access to made-for-TV apps) might finally be worth looking out for.


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István Cellar
Cistercian church
Walk north along Széchenyi utca to the Cistercian church built in 1743. The theatrical baroque altar sculpture of St Francis Borgia in...
György Kepes International Art Centre
Eger's newest gallery exhibits the work of Hungarian-born American artist and designer György Kepes, who is celebrated for – among other...
Serbian Orthodox church
The Serbian Orthodox church and its enormous iconostasis of gold leaf and braid is north of the Cistercian church.
Eger's classic club, where the dance floor doesn't heave but buckles until the wee hours, is downstairs from the circular Elefanto...
Szántófer Vendéglő
Choose the 'Plough' for hearty, home-style Hungarian fare. Farming equipment and cooking utensils hang like prize kills on the walls,...
Lonely Planet review
You can sample Eger's famous wines at many places around town, including a couple at the base of the castle, and in the István Cellar Wine at the Hotel Korona; Tourinform has an extensive list.


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Uh, I don't like those self-summaries....probably, I'll fill it out
later. Or never. ;)
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What I'm doing with my life
just enjoying :)
I'm really good at
Favorite books, movies, shows, music, and food
Books? mostly stuff from unknown indie-authors in the sci-fi-genre.
And classic stuff like 1984, Hitchhiker's Guide to the galaxy
Currently reading: Cory Doctorow - Pirate Cinema
Music? Rock, Metal, Ska, Indie, and of course The Beatles.
Food? Maultaschen.
Ugh, there's so much stuff I like. Too much to write it all down here ;)
Currently reading: Cory Doctorow - Pirate Cinema
Music? Rock, Metal, Ska, Indie, and of course The Beatles.
Food? Maultaschen.
Ugh, there's so much stuff I like. Too much to write it all down here ;)
The six things I could never do without
Friends, Nature, Food, Science, Coffee, Club-Mate
I spend a lot of time thinking about
the question which leads to the answer 42...
On a typical Friday night I am
dancing the night away.
I'm looking for
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- Ages 21–30
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You should message me if
you aren't annoyed by empty self-summaries. Or if you're able to
ask the questions to which the answer is 42....;)


text:
It's summer break for The Vampire Diaries, but that's not keeping Mystic Falls' resident emotional vamp Nina Dobrev hiding from the sun-, erh, spotlight. The 24-year-old actress is Company magazine's July 2013 cover girl! And she's dishing on basically everything besides TVD (and the news that broke our hearts).
If she wasn't tearing up the town alongside Paul Wesley and ex-boyfriend Ian Somerhalder on television, what else would she be doing? "I was a rhythmic and athletic gymnast for a little while. Then, when I quit gymnastics, I fell in love with yoga. So sometimes I think I'd like to open up a yoga studio."
But that's not the only career move she once considered: "I've always dreamed of being a Burberry Girl, but I know it'll never happen because I'm not British. Still, you can't stop a girl from dreaming. And owning way too many Burberry coats!"
In other news, bestie Candice Accola is engaged! But despite how close she is with CA, as well as the other girls from The Vampire Diaries, Nina admits that developing friendships isn't always easy in the business: "[Life in Hollywood is] exciting because it's so sunny and beautiful there, but at the same time there's something a bit distant about Los Angeles. It's hard to make good friends. Everyone's in their car, with their sunglasses on, and disconnected. But Hollywood is work — then Venice by the beach is play."
For more on Nina's interview, go to Company.co.uk or pick up the July issue of Company on newsstands June 5.


text:
Pumpkin & rocket salad
Roasted pumpkin with rocket and toasted macadamia nuts makes a fabulous Australia Day salad.
To Prep |
To Cook |
AVG RATING (7 Members) |
recipe To my
- Ingredients
- 1/2 Jap pumpkin, cut into 2cm-thick wedges
- 100ml extra virgin olive oil
- 1 tsp dried chilli flakes
- 2 tbs lemon juice
- 2 cups wild rocket leaves
- 1/2 cup (75g) macadamia nuts, roughly chopped, toasted
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The April issue of delicious. showcases the best flavours of autumn. Jamie Oliver cooks up a warming curry, risotto and pasta, Valli Little whips up global three-course menus, and we share the ultimate chocolate cake. Plus, discover the wine and food trail in Canberra, Asia's latest hotpots, and where to eat, stay and explore in Dublin.
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Very tasty. I substituted slivered almonds and oak leaf lettuce as I didn't have macadamias/rocket. Chilli flakes added an extra zing I hadn't tried before.
Big hit at recent get together and very easy, stress free dish.
Easy as! and swapped macadamia's for cashews - tasted great
Great easy dish, really good flavour balance. Also works well swapping macadamia nuts for pine nuts.
Lovely heat from the chilli on the pumpkin! Went well with the lemon dressing and the toasted nuts. Super easy too!
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text:
Budget Accommodation Europe Italy Milan Bed & Breakfasts Seven Heaven
The B&B is located in Milan, in Corso Buenos Aires shopping area, a few steps from Milan's Central Station and the metro that in a few stops leads to the Duomo.
... more
The B&B is located in Milan, in Corso Buenos Aires shopping area, a few steps from Milan's Central Station and the metro that in a few stops leads to the Duomo. The B&B, recently refurbished, is located on the seventh floor of a luxury apartment and offers a young atmosphere in an elegant environment. The rooms are tastefully furnished, with parquet floors, air conditioning, heating, TV, Wi-Fi and minibar on request. Breakfast is included and is served in the kitchen, at guests' disposal.The B&B is located on the seventh floor of a building with elevator, in Viale Monza, a few meters from Pasteur and Piazza Loreto, the nevralgic center of Milan. In fact, here are the metro lines 1 and 2 (respectively Red and Green) that will give you an extremely fast and easy access to all areas of the city, including Piazza Duomo, the Fiera Milano in Rho-Pero, the Central Station, the San Raffaele hospital and the entertainment districts, including Corso Como and the ring of Navigli (Porta Ticinese).Please note:Cancellation policy 48h advance noticeCheck in from 12.30Check out before 10.30Breakfast includedPayment upon arrival by cash onlyTaxes includedSmall pets allowed at an extra fee
Please note:Cancellation policy 24h advance noticeCheck in from 13.30Check out before 11.00Breakfast includedPayment upon arrival by cash onlySmall pets allowed at an extra fee
viale Monza, 16
Click here to enlarge map
Have you stayed here? Write a review
* The Customer Satisfaction score is based on a combination of ratings from Travellerspoint and external websites. The score of 82% for this property is based on ratings provided by 56 guests.
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Imlay City, MI Property Reduced!!! land for Sale For the All-Around Hunter - 6 Acres are Wooded, 7 ...
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Elements of PantheismThis accessible, clear and authoritative handbook is the only available introduction to the history, theory and practice of Pantheism. One of the most extraordinary books written in recent years about the subject of religion. |
What people are saying - Write a review
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Elements of Panthesim by Paul is good start to know the real definition of pantheism. I enjoyed reading this book.
Review: The Elements of Pantheism: Understanding the Divinity in Nature and the Universe
User Review - Henrik Hallberg - GoodreadsThis was my first book on pantheism, and I am a bit disappointed. This is an introduction and history as the author, by all means, promotes it as. After reading it, I am able to express the difference ... Read full review
What is Pantheism? | 1 |
Oriental and Classical | 13 |
Monotheist and Modern | 23 |
Reverence of the Universe | 35 |
Sacred Nature | 49 |
responsibilities rights and liberties | 59 |
Pantheist ceremony meditation and mysticism | 71 |
souls bodies and death | 83 |
A fifth world spiritual path? | 93 |
Contacts | 105 |
Other editions - View all
Common terms and phrases
References from web pages
Netster� - one of the fastest growing search engines on the internet
The Universal Pantheist Society is the only organization devoted to an universal recognition of modern Pantheism. Pantheism holds that the Universe itself . ...
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Directories (sites listed). Childrens' Books (2) Books that encourage respect for Nature and other Pantheistic perspectives in children. ...
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Paul Harrison (pantheist) - Wikipedia, the free encyclopedia
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text:
- Obama downplays IRS scandal, blames Obamacare rollout on 'outdated' agencies
- Pregnancies decline overall, up among older women
- Pentagon plans to destroy Syrian chemical arms on ship at sea
- Paris Metro issues 'politeness manual' to improve passengers' behavior
- Justin Bieber, crew detained at Australian airport in drug search
- Lee Rigby trial: Muslim who machete-hacked soldier calls it 'humane' kill
- GM ending Chevy sales in Europe to focus on Opel and Vauxhall
- Putin's diplomats to U.S. busted for living high life off $1.5M bilked from Medicaid
- Happy Meal: Couple goes to McDonald's, leaves with bag packed with cash
- Boehner: It took me 3 to 4 hours to sign up for Obamacare
GOP allows Wall Street debate to start
Mr. Dodd, Connecticut Democrat, characterized his negotiations with Mr. Shelby as "productive" but said he "cannot agree to his desire to weaken consumer protections given the enormous abuses we have seen."
Republican leaders faced pressure in their own ranks from members who said the filibuster of the measure - upheld almost entirely with GOP votes - could not be sustained indefinitely, in light of public polls supporting action in Congress to limit Wall Street abuses.
"I would not want to be a public official who was seen in any way of standing in the way of getting this reform done," said Sen. Bob Casey, Pennsylvania Democrat. "It's a very, very dangerous place to be."
Senate Democratic leaders earlier Wednesday announced that they were prepared to keep the chamber open all night and portray Republicans as being cozy to Wall Street, an action they hoped would pressure Republicans to back down.
The all-nighter become a moot point, however, when Republicans agreed to end their filibuster.
"It took Joshua seven trips around Jericho leading the Israelites before those walls came down, and it only took Harry Reid three trips around Republican obstruction and three votes before these walls have now come down," said Sen. Sheldon Whitehouse, Rhode Island Democrat.
About the Author
Sean Lengell
Follow @SeanLengell
Sean Lengell covers Congress and national politics and can be reached at email@example.com.
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- Lawmakers outside intelligence loop get miffed about briefing structure in Congress
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- Hack attack: 2 million Facebook, Twitter passwords stolen
- Democratic infighting erupts over 'we can have it all' fantasy on entitlements
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- U.S. drops 2,000 mice on Guam by parachute to kill snakes
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Independent voices from the The Washington Times Communities


text:
Take the weather with me:
AM Clouds / PM Sun
Cloudy early with partial sunshine expected late. High 87F. Winds S at 10 to 20 mph.
Mostly Cloudy
Partly cloudy skies in the evening, then becoming cloudy overnight. Low near 65F. Winds S at 10 to 20 mph.
Take a tip from these cute animals: Pucker up and lay one on those you love. Happy Valentine's Day!
Courtesy of iWitness User K_A_T_E


text:
v. JAMES P. CORCORAN, AS SUPERINTENDENT OF INSURANCE OF THE
79 N.Y.2d 253, 590 N.E.2d 1186,
582 N.Y.S.2d 58 (1992).
March 26, 1992
1 No. 35
This opinion is uncorrected and subject to revision before publication in the New York Reports.
Harold A. Kurland, for Appellant.
David M. Spector, for Respondent.
American Council of Life Insurance, et al., amici curiae.
This action was instituted by Kemper Reinsurance Company against the State Superintendent of Insurance, as liquidator of the insolvent, Midland Insurance Company. Kemper Re seeks a declaration that Insurance Law § 7427 authorizes it to offset monies it concededly owes Midland under a reinsurance contract against amounts Midland owes it for premiums under a separate and distinct contract. Defendant Superintendent's principal contention is that the obligations under the reinsurance contract and Midland's unrelated debts to Kemper Re are not "mutual," and thus the latter may not be used to offset the former. We disagree and therefore affirm the order of the Appellate Division.
In 1979, Midland and its affiliates entered into a reinsurance treaty whereby Kemper Re agreed to reinsure certain lines of business ceded through the Treaty in return for premiums. In 1984, in an unrelated transaction, Midland issued an excess products liability insurance policy to Esmark, Inc./International Playtex, Inc. and negotiated a facultative contract with Kemper Re reinsuring 75% of the risk. The Playtex contract contained an insolvency clause obligating Kemper Re to pay reinsurance proceeds due under the contract notwithstanding Midland's subsequent insolvency.
In April of 1986, Midland was placed into liquidation. At that time Kemper Re owed Midland approximately three-quarters of a million dollars in reinsurance proceeds for underwriting losses under the Playtex Contract, while Midland owed Kemper Re unpaid premiums allegedly exceeding that amount under the Treaty. When Kemper Re attempted to set off the amount Midland owed it under the Treaty against the amount Kemper Re owed Midland under the Playtex Contract defendant objected. Kemper Re brought this action claiming it was entitled to the offset, and defendant, as liquidator, counterclaimed for the amount Kemper owed Midland under the Playtex Contract.
Both parties moved for summary judgment. Supreme Court denied Kemper Re's motion and granted defendant's cross-motion. The Appellate Division unanimously modified the order by granting Kemper Re's motion for summary judgment, holding it had the right to set off premiums due from Midland against the reinsurance proceeds owed, and denied defendant's cross-motion.
Defendant contends that the debts may not be offset because they arise out of different transactions, offset is barred by the language of the insolvency clause in the Playtex contract, and because they are not owed to and from the same person.
A reinsurance contract is one by which a reinsurer agrees to indemnify a primary insurer for losses it pays to its policyholders. Such contracts are of two general types. Treaty reinsurance is obtained in advance of actual coverage and may cover any risk the primary insurer covers. The contract is formed when the primary insurer "cedes" part of the premiums for its policies and the losses on those policies to the reinsurer. A facultative reinsurance contract is one obtained to cover a particular risk. The reinsurer does not assume liability for losses paid in either case; its only obligation is to indemnify the primary insurer. Typically, reinsurance permits a small insurer to minimize its exposure to catastrophic loss by the distribution of its risks to another insurer or group of insurers. It also permits a primary insurer to reduce the amount of the legally required reserves held for the protection of policyholders, and to increase the company's ability to underwrite other polices or make other investments (see generally, Semple & Hall, The Reinsurer's Liability in the Event of the Insolvency of a Ceding Property and Casualty Insurer, 21 Torts & Ins. L.J. 407 [1986]; Schwab, Anderson, Reed & Mendelsohn, Onset of an Offset Revolution: The Application of Set-offs In Insurance Insolvencies, 8 Journal of Insurance Regulation 464 [1990]; Robert E. Keeton & Aland I. Widiss, Insurance Law § 1.3[b][2] [1988]).
Although reinsurance contracts are indemnity contracts, they commonly contain insolvency clauses which, even in the absence of a primary insurer's payment to policyholders, permit a liquidator to collect from the reinsurer the amount of reinsurance proceeds that would have become due if the ceding company had not become insolvent. The New York statutes encourage such clauses by providing that unless the reinsurance contract contains an insolvency clause the primary insurer may not consider the reinsurance as an asset or claim a deduction for the amount ceded (see, Insurance Law § 1308[a][2]). The loss of those rights are substantial because if the primary insurer must maintain reserves in the full amount of reinsurance ceded, one of the primary reasons for obtaining reinsurance is defeated.
Our statutes also permit insurers and reinsurers to net their respective pre-liquidation debts. Thus, the Insurance Law provides that "in all cases of mutual debts or mutual credits between the insurer and another person in connection with any action or proceeding [in rehabilitation or liquidation], such credits and debts shall be set off and the balance only shall be allowed or paid...." (Insurance Law § 7427). It is plaintiff's right of offset under the statute that is in dispute in this appeal.
Defendant first contends that "mutual" debts or credits must arise out of the same contractual transaction and that because the debts and credits in this case did not the statute does not authorize them to be offset against one another. To hold otherwise, he asserts, would result in an unlawful preference of the reinsurer over the policyholders and, ultimately, those answerable for the policyholders' losses.
Under our decisions, debts and credits are mutual when they are "due to and from the same person in the same capacity" (Beecher v Vogt Mfg. Co., 227 NY 468, 473; Matter of People [Consolidated Ind. & Ins. Co.], 287 NY 34, 38). The language of the statute does not state, however, whether they must arise from the same transaction. What little legislative history there is suggests that they need not. Before the statute was enacted in 1932, Superintendent Van Schaick, in an explanatory memorandum to the Legislature, stated that section 420 (the predecessor to 7427) was patterned after the conventional provisions commonly found in insolvency laws and the provisions of the Bankruptcy Act (see, Memorandum of Superintendent Van Schaick dated 3/15/32, Bill Jacket, ch 191, L 1932, p 9).[n 1] Under the bankruptcy laws offsets arising out of different transactions have consistently been permitted; they are distinguished from recoupment which involves claims arising from the same transaction (see, 4 Collier on Bankruptcy, § 553.03 and authorities cited therein; Schwab, Anderson, Reed & Mendelsohn, Onset of an Offset Revolution: The Application of Set-Offs In Insurance Insolvencies, 8 Journal of Insurance Regulation, 464, 470-473; See generally, 5 Carmody-Wait 2d § 31.2).
It is significant that New York decisions of the time, much like the bankruptcy courts, recognized the distinction between offset and recoupment and held generally that debts arising from different transactions could be set off (see, e.g., National Cash Register Co. v Joseph, 299 NY 200, 203; Otto v Lincoln Sav. Bank of Brooklyn, 268 App Div 400, affd 294 NY 798; Merry Realty Co., Inc. v. Shamokin & Hollis Real Estate Co., 186 App Div 538, revd on other grounds 230 NY 316). Thus, it appears that the Legislature, in extending the remedy of offset to liquidation proceedings, did not intend it to be limited to mutual debts arising from the same transaction.[n 2]
Notwithstanding this background, defendant maintains that the "same transaction" rule is compelled in liquidation cases by earlier New York cases (citing, Matter of People [Consolidated Ind. & Ins. Co.], 287 NY 34; Pink v American Surety Co., 283 NY 290; Pink v Title Guar. & Trust Co., 274 NY 167; New York Title & Mtge. Co. v Irving Trust Co. 241 AD 246, affd, 268 NY 547). We do not read those decisions to support his position.
In New York Title & Mtge. Co. v Irving Trust Co. (supra), we approved an offset involving debts from separate and distinct transactions. There, the Superintendent of Insurance, as receiver of a domestic insurer in rehabilitation, had sued a bank for monies due and owing on certain demand deposit accounts maintained and issued by the bank. The bank sought to defend by setting off amounts owed by the insurer to the bank based on the insurer's guarantee of the payment of principal and interest on unrelated bank mortgages. We held that the offset -- which clearly arose out of a separate transaction -- was allowable under section 420 of the Insurance Law (now § 7427) (see, New York Tit. & Mtge. Co. v Irving Trust Co., 268 NY 547, supra). Defendant would distinguish New York Title & Mtge. Co. because the party asserting the offset was not a reinsurer and because that case involved a rehabilitation proceeding and not liquidation. The decision involves the concept of mutuality, however, which is the touchstone of offset under section 7427 of the Insurance Law. Moreover, the statute applies to both rehabilitation and liquidation and requirements remain the same in either case (see, Insurance Law § 7427; New York Title & Mtge. Co. v Irving Trust Co., 241 AD2d 246, 248, supra).
Defendant also relies on Pink v Title Guar. & Trust Co. In Pink, the Superintendent of Insurance brought an action to disaffirm the fraudulent transfer of mortgages by defendant. We struck defendant's pleaded offset because we found fraud in the procurement of the offsetting debt, not because the debts arose out of different transactions. We distinguished New York Title & Mtge. Co. v Irving Trust Co. because it involved debts which arose "on contract," as opposed to those arising out of a trust relationship (see, Pink v Title Guar. & Trust Co, 274 NY 167, 172-73, supra) and in doing so, we reaffirmed our previous position that debts arising in contract, but not necessarily out of the same transaction, may be set off against one another (see, Pink v Title Guar. & Trust Co., supra, at 172).
The other cases cited are similarly distinguishable. In Matter of People (Consolidated Ind. & Ins. Co.) (287 NY 34), the moneys owed to the insolvent reinsurer's estate by defendant insurer were the result of salvage -- i.e., proceeds received and held in trust by the insurer for the purpose of reimbursing the insurer and reinsurer proportionately for their losses. Defendant sought to set off this debt against one owed to it by the insolvent reinsurer under several reinsurance agreements. We held that there was no mutuality and disallowed the offset under the statute because the two claims were held in different capacities: salvage recoveries were held by defendant as a trustee, whereas the insolvent's obligation to defendant was a debt created by a contractual obligation. Pink v American Surety Co. (283 NY 290) is similarly distinguishable. Thus, the legal authority in New York appears to support the position of plaintiff, not defendant.
Furthermore, we do not agree with defendant that public policy considerations justify adopting a "same transaction" rule. Although permitting offsets may conflict with the statutory purpose of providing for the pro rata distribution of the insolvent's estate to creditors, the Legislature has resolved the competing concerns and recognized offsets as a species of lawful preference. Indeed, if an offset is otherwise valid, there would seem to be no reason why its allowance should be considered a preference: it is "only the balance, if any, after the set-off is deducted which can justly be held to form part of the assets of the insolvent" (Scott v Armstrong, 146 US 499, 510).
Nor does it appear that a multiple transaction rule will encourage insurance company insolvency. An important reason off- set has been recognized as desirable is that it provides a form of security to insurers. As explained by the United States Court of Appeals in Stamp v Insurance Co. (908 F2d 1375, 1380):
"Offsetting debts in a reinsurance pool not only spreads risk but also acts as mutual security for performance. The security is especially important for smaller insurers; if the large firms could not count on the netting of balances to satisfy obligations, they would be more likely to exclude smaller or tottering firms -- making new entry harder and precipitating failures of firms in difficulty."
We conclude, therefore, that the contractual obligations between Kemper Re and Midland constitute "mutual debts" for purposes of offset under section 7427 of the Insurance Law despite the fact that they arise out of two separate and distinct transactions.
Next, defendant contends the insolvency clause in the Playtex contract barred setoff by its terms.
To support his argument that no debtor/creditor relationship existed, defendant contends first that the insolvency clause -- included in the Playtex Contract pursuant to Insurance Law § 1308[a][2][A] and requiring Kemper Re to pay Midland or the liquidator "without diminution because of such insolvency" -- creates an obligation that is absolute and precludes the reinsurer from exercising its right of offset.[n 3] He interprets "without diminution" as meaning that monies due to the insolvent insurer must be paid to the liquidator without any subtraction, regardless of the reinsurer's right to set off the Treaty premiums against the Playtex losses prior to insolvency. We conclude that defendant has misconstrued the purpose of the insolvency clause.
Insurance Law § 1308[a][2][A] was enacted in response to the Supreme Court's decision in Fidelity & Deposit Co v Pink (302 US 224). That case held, based on the language of the reinsurance contract and consistent with the indemnity nature of reinsurance contracts in general, that a reinsurer need only reimburse the liquidator of the insolvent ceding company for losses actually paid by the ceding company or the liquidator to the insureds on the underlying policies (see, Fidelity & Deposit Co. v Pink, supra). Section 1308 was intended to overcome that decision by altering the indemnity nature of a reinsurance contract when the ceding company becomes insolvent (see, Memorandum of Superintendent Pink 2/26/40, Bill Jacket, L 1940, ch 87). Pursuant to the statute, if the contract contains a statutory insolvency clause, the reinsurer is obligated to pay the liquidator his or her allocated share of any losses due under the reinsurance contract even though the insolvent ceding company has not first made payment to the insureds on the underlying policies. Nothing in the language of section 1308[a][2][A] or its history, however, support the conclusion that the statute was enacted to destroy a reinsurer's right of offset, under Insurance Law § 7427. Indeed, were we to adopt defendant's construction of the insolvency clause the reinsurer's right of offset granted by section 7427, would be nullified in every liquidation proceeding where a ceding company elected to include the clause in its reinsurance contract pursuant to section 1308[a][2][A].[n 4]
Nor is mutuality of capacity or identity lacking.
Before an offset will be allowed, the claims must be mutual, i.e., owed between the same persons and in the same right. If the debts between the parties arise when those parties were acting in different capacities, the debts will not be considered mutual. "Capacity" means legal capacity (e.g., principal, agent, trustee, beneficiary). Contracting principals, who are debtors and creditors of each other by virtue of entry into a contract or contracts, have the same legal capacity and may set off debts against each other.
By seizing on the contractual reference in the insolvency clause -- that payment is to be made without diminution "directly to the Company or its liquidator" -- defendant contends that a special category of obligation was created which is owed not to the insolvent insurer but directly to the liquidator. In effect, he contends there has been a novation of the contract because of insolvency and that after the liquidation order the reinsurer holds the reinsurance proceeds in trust for the liquidator, thus destroying any debtor/creditor relationship previously existing between Kemper Re and Midland. However, the language of the contract directing payment to the liquidator merely tracks the language of Insurance Law § 7405[a] which allows the Superintendent of Insurance to take possession of the insolvent insurer's assets and deal with them in his own or the insured's name. It was not intended to create a special category of obligation owed directly to the liquidator.[n 5] Moreover, liquidation cannot place the liquidator in a better position than the insolvent company he takes over, authorizing him to demand that which the company would not have been entitled to prior to liquidation (see, Bohlinger v Zanger, 306 NY 228, 234; see also 2A Couch on Insurance 2d §§ 22:48, 22:50). Defendant concedes that before Midland was adjudged insolvent Kemper Re had the right to set off the Treaty premiums against the amount owed under the Playtex Contract. Those rights were not altered merely because a liquidation order was entered. To hold that they were would be to render portions of the statute meaningless by prohibiting offset of all pre-liquidation debts between an insolvent insurer and reinsurer arising out of a reinsurance contract, despite the fact that section 7427 of the Insurance Law applies to liquidation proceedings.
Finally, defendants contend that the debts were not between the same parties because Midland's affiliates had the right to cede risks to Kemper Re under the Treaty. Notwithstanding the affiliates' right to cede business to Kemper Re under the Treaty, Midland was the only company that did so. Midland alone, therefore, contracted the debt for unpaid premiums, and notwithstanding his conclusory assertions, defendant has failed to make a record establishing that the affiliates were jointly liable for those premiums. Thus the requisite mutuality of identity exists between Kemper Re and defendant, as liquidator of Midland.
Accordingly, the order of the Appellate Division should be affirmed, with costs.
1. Superintendent Van Schaick acknowledged that the statute left unanswered the question of whether premiums could be set off. He believed such offsets should be allowed, given the Legislature's tendency to extend the principle of offset, but stated that the matter would probably have to be decided by the courts (see, Memorandum of Superintendent Van Schaick dated 3/15/32, Bill Jacket, ch 191, L 1932, p 9). Some jurisdictions expressly prohibit setting off premiums (see, e.g., Conn. Gen. Stat. § 38-450[b][4]; Haw. Rev. Stat. § 431:15-31[b][4]; Idaho Code § 41-3330[2][d]; Ind. Code § 27-9-3-28[b][4]; Iowa Code § 507C.302d; Ky. Rev. Stat. Ann. § 304.33-330[2][d]; Minn. Stat. § 60B.34 subd 2[d]; Mont. Code Ann. § 33-2-1359[2][d]; N.H. Rev. Stat. Ann. § 402-C:34 II[d]; N.M. Stat. Ann. § 59A-41-45B.[4]; Pa. Cons. Stat. § 40-11-414[b][4]; S.C. Code Ann. § 38-27-490[b][4]; Utah Code Ann. § 31A-27-323[2][d]; Vt. Stat. Ann. tit. 8, § 3604[b][4] [unless provided for otherwise] Wis. Stat. § 645.56). Defendant does not contend in this case, however, that such a prohibition exists under section 7427 of the Insurance Law.
2. The general rule, recognized by courts and commentators alike, holds that mutual debts and credits between parties may be set off even though they arise from different transactions. And this is so, even in cases involving insolvent insurance companies (Scammon v Kimball, 92 US 362, 367; Stamp v Insurance Co. of North America, 908 F2d 1375; Barnett Bank of Jacksonville v State ex rel. Dept. of Ins., 507 So 2d 142 [Fla. App.]; Prudential Reinsurance Co. v Superior Court, 234 Cal App. 3d 525 [2d Dist.], review granted, 789 P2d 342 [Cal. 1990]. See generally, Schwab, Anderson, Reed & Mendelsohn, Onset of an Offset Revolution: The Application of Set-Offs in Insurance Insolvencies, 8 Journal of Insurance Regulation 464, 468-469 [1990]; Semple & Hall, The Reinsurer's Liability in the Event of the Insolvency of a Ceding Property and Casualty Insurer, 21 Tort & Ins. L.J. 407; Semple, Darrington & Hall, Offsets in Liquidations: A Matter of Balance, 4 Collier, Bankruptcy para 553.03. But see, Jernigan, The Case of Restricting Offsets, 91 Best's Review 55 [1990]). Indeed, as early as 1876 the Supreme Court held in Scammon (supra) that "mutual debts" could arise out of "independent" transactions when it permitted bank deposits of the insolvent insurer to be offset against insurance proceeds owed to a bank for a fire loss.
3. The clause provided in pertinent part:
"In the event of the insolvency of [Midland], reinsurance under this Agreement shall be payable by [Kemper] on the basis of the liability of [Midland] under the Reinsurance Agreement without diminution because of such insolvency, directly to [Midland] or its liquidator, receiver or statutory successor, except as otherwise specified in the statutes of any state having jurisdiction of the insolvency proceedings." [emphasis added]
4. Defendant cites Bluewater Insurance Ltd v Blazano, 1992 WL 4068, ___ P.2d ___ (Col. Supreme Court), in support of his position that the "without diminution" language in the insolvency clause nullifies a reinsurer's right to an offset. That case dealt with a common law right of offset. Indeed, the Colorado Supreme Court distinguished the case from this one because the New York insurance law specifically allows offsets in insurance liquidation proceedings.
5. Defendant cites Corcoran v Ardra Ins. Co. (77 NY2d 225) for the proposition that he has different rights than did the insolvent insurer, but that decision dealt with remedies available to the parties after a liquidation order had been entered. Nothing in it suggests that the Liquidator's appointment affects a creditor's substantive right of offset.
* * * * * * * * * * * * * * * * *
Order affirmed, with costs. Opinion by Judge Simons. Chief Judge Wachtler and Judges Kaye, Alexander, Titone, Hancock and Bellacosa concur.


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Nourison expands Kathy Ireland Home offerings
Furniture Today Staff -- Furniture Today, July 9, 2013
SADDLE BROOK, N.J. — Nourison and Kathy Ireland Worldwide are set to offer the newest additions to the Kathy Ireland Home collection of rugs and decorative accessories at this summer's markets.
"We are thrilled to be partnering with such a luminary in fashions and home furnishings," said Alex Peykar, principal of Nourison. "Kathy is well known all around the world as a trend maker and her brand is one of the most recognizable names in the industry. I am certain that Kathy Ireland Home by Nourison will be a dynamic, fashion forward and highly successful product line in home design."
First unveiled at the April High Point Market, Kathy Ireland Home by Nourison includes:
Power loom-woven wool and silk Hollywood Shimmer rugs in an array of designs and color palettes.
The Santa Barbara, a lush shag assortment with a sense of informal elegance. Made from 100% polypropylene and power loom woven for durability and easy maintenance.
The Bel Air collection of power-loomed area rugs highlighted with silk-like, cut pile polypropylene on velvety-soft, flat-woven chenille grounds.
An assortment of area rugs fabricated with a dense cut and loop pile called Palisades.
A power-loomed, colorful collection of rug designs dubbed Villa Retreat.
Lumiere, a power-loomed collection featuring Persian motifs, embellished with arabesques, flowers and flourishes in luminous color palettes in 100% New Zealand hard-twist wool.
Nourison is also launching a set of Kathy Ireland Home pillows this summer.
"It is exciting to see this extension of our partnership with Nourison at the Atlanta market," said Kathy Ireland, CEO and chief designer of Kathy Ireland Worldwide. "Alex Peykar and his extraordinary team are geniuses in the world of flooring fashion. We are enjoying every facet of this relationship."
Nourison shows at the Atlanta International Area Rug Market, July 11-14, at Merchandise Mart Space 3F2 and at the Las Vegas Market, July 29-Aug. 2, at World Market Center C-112.
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Subtracting a Fraction from a Whole NumberFractions HelpHome | Fractions menu | ContestSay we want to subtract: The first thing we do is change 5 to a fraction. It becomes the fraction 5/1. Now we subtract fractions like any other. We multiply: because the lowest common denominator is 3. We can do this because 3/3 = 1 and we know that multiplying a number by 1 doesn't change the number. Now we subtract: Fractions HelpWhat do you need help with? Click on one of the following topics... What is a fraction? Adding fractions Subtracting fractions Multiplying fractions Dividing fractions Subtracting a fraction from a whole number Multiplying a fraction and a whole number Dividing a fraction and a whole number What is a reciprocal? Changing a fraction to a percentage Changing a percentage to a fraction Rounding to a whole number Finding the lowest common denominator Reducing a fraction Euclidean Algorithm Copyright © 2011 - Mathwizz.com all rights reserved
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M&T Bank remains top Baltimore-area SBA lender in 4Q
- Gary Haber
- Staff Reporter- Baltimore Business Journal
- Email | Twitter
M&T Bank Corp. was the largest U.S. Small Business Administration lender in the Baltimore area in fourth quarter of 2012.
The Buffalo, N.Y.-based bank has perennially been the biggest maker of SBA-guaranteed loans in Greater Baltimore. This time, it wrote 48 loans for a combined $5.97 million for Baltimore-area companies under SBA's flagship 7(a) program during the three months ended Dec. 31.
Banks wrote a total of 92 loans, worth just over $27 million during the period from Oct. 1 to Dec. 31 under SBA's 7(a) program. The program guarantees loans written by banks and credit unions for working capital and things other than real estate purchases.
M&T (NYSE: MTB) also issued two loans, for a combined $2.53 million, under SBA's 504 program, a separate program for small companies to acquire real estate to house their operations.
Here are the top 10 7(a) lenders in the Baltimore region last quarter:
- M&T Bank, 48 loans, $5.97 million
- Columbia Bank, 8 loans, $4.56 million
- Susquehanna Bank, 3 loans, $3.34 million
- Parke Bank, 1 loan, $2.73 million
- Regal Bank & Trust, 1 loan, $2.5 million
- SunTrust Bank, 2 loans, $2.08 million
- Compass Bank, 2 loans, $1.59 million
- BB&T, 4 loans, $720,000
- County First Bank, 2 loans, $575,000
- Home Loan Invest Bank F.S.B., 1 loan, $550,000
Gary Haber covers Banking, Finance, Insurance, Law
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- January 28, 2012
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in response to fran-bob#251823:
Thye Republican judgmentalism at work. Makes no sense to spend this money.How about drug testing the Wall Street frauds and bankers who created this debacle our countery, state and world finds ourselves in? Much better use of funds.
Request explain "...the Wall Street frauds and bankers who created this debacle our countery(sic), state and world finds(sic) ourselves in."
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I'm Neal and I am here to assist you. Only accept when you are happy with my assistance. If I can't help I will open your Question to other experts.
It is in an odd place on those, it is in the back of the engine compartment on the drivers side with the yellow cap. Here is a picture with it cicled and an arrow.
As long as you fill it up and watch the temp gauge while driving it you should be fine. Of course if there is a big leak you can make a temporary fix.
Perfect. Thank you. There is not anything else I can ask, because it is now a matter of filling the tank, and see where the leaking is coming from if any and then take it to the shop. Can you thnik of anything I might need to know?
I found the leak. It is the plastic elbow joint connecting a rubber hose to what I assume is the engine. You can see it on your picture. It is right where you started your red arrow. I should be able to get the part at any auto store and replace it myself. It is bolted on at one end and pinched together with the rubber hose by a metal ring. Would you agree I should not have any problems replacing it myself?
I will let you know how I do.
By the way, I submitted a rating of excellent, hope you got it, but each time there after I want to submit a review of excellent it asks to submit an additional deposit of $59. I just want to say your have been very responsive and helpful. If there is an additional deposit required for your assistance, I will not be able to seek out additional help. I have never reached out to a consultant on line, so forgive me for not clearly understanding the process.
I got it done and it was easy. I had to go to a Chevy dealership to get a part because it would take a week to get the part in from a automotive parts store. It came out to $100 for a metal housing, which replace the plastic one that cracked. The thermostat comes with it and the gasket I had was in good shape.
Thanks for your help.


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"Happy is the man who finds a true friend, and far happier is he who finds that true friend in his wife."
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elise vaughn's Profile
To begin with, many people ask me what a Brass Razoo is and why I would chose this for the name of my store. Brass Razoo is defined as, "a non-existent coin of trivial value." The concept behind the name is that of restored value and beauty. The pieces behind the brand are designed using reclaimed materials. Thus, deriving new worth and potential from pieces that otherwise would have been disregarded. The designs are combined with new materials to provide a high quality unique product. Each piece is to be a reminder that we all possess potential, value, worth, beauty, and are perfectly unique.
I am also a lover of everything vintage and look forward to providing you with fabulous treasures that I find on my journeys.
Follow my blog at thebrassrazoo.blogspot.com
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- Joined June 23, 2011
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Leather, wood, stones, vintage fabric, lace, rope, vintage metals, sterling silver, vintage jewelry
- elise vaughn
- Nampa, ID, United States
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The rooms in this hotel are huge. Our room was on the 1st floor at the back and we had enormous windows and incredibly high ceilings. The hotel is old and no one would say it is fancy. However, the price is very reasonable and the location is perfect. Prague isn't a huge city, but the hotel is in walking... More
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Tag: YoctoClock
Yocto Alarm Clock for iOS is free, full featured and very nice
There must be hundreds of alarm clock apps available for iOS. I've reviewed several, both good and bad. The free ones are usually not so great, the paid ones are usually a step up. So along comes the Yocto Clock. It's free, has oodles of features, looks great and works well. The Yocto clock ...
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Tiffany & Co. Paloma Sugar Stacks Rings: Love It or Hate It?
Tiffany & Co. Paloma Sugar Stacks Rings: Love It or Hate It?
Pablo Picasso's daughter Paloma designs a jewelry collection for Tiffany, and judging by these Tiffany & Co. Paloma's Sugar Stacks Rings ($950-$5,500), she definitely inherited some of her daddy's artistic talent. I love stackable rings but are you lovin' or hatin'?
To post your selections go to the Love It or Hate It? group. And if you want to learn how to do a blog post click here.
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I love big baubles like these because they are a great accessory. A big ring can really add to an outfit.
Wow... So many votes for love it. I think they look cheap and tacky and I can't believe how much they are.
OMG I've been lusting after these rings FOREVER! But they're just so pricey...:-(
If Fab ever wanted to give some of these away as prizes though...*hint hint* :D
Love It! I'm totally not a ring person, because I know I'd lose them, but the ring is absolutely gorgeous. Plus, it was designed by Paloma Picasso, that automatically makes it awesome!
y love it? the italian brand "Pomellato" has this similar design many years ago (under the item "nudo"):
in my opinion, picasso copied the italian brand
Love it! All the colors together are yummy and it could add a fabulous spark to a simple black dress.


text:
Pattison has also run out for the likes of Newcastle and Norwich during his career, but says if players are not in the English Premier League they will not be earning anything near to what players in South Africa make.
"People don't believe me but it is (now) better to come to SA financially," he told Business Day.
"That is the simple truth of it. To be honest, the UK is not as attractive as some people think.
"If you are not going to be playing in the English Premier League you will struggle big time. (English) clubs have overcompensated and they are struggling to keep up.
"Let me tell you now, SA is up there and really challenging a lot of European leagues when it comes to finances. SA can compete (with the best) which is really good for our football and the country."
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The Flatliners have officially been a band for a decade. Hard to believe because we still consider them cubs (that's because we're old), but take a gander at their catalog and there's no denying their work ethic. In celebration of their 10th anniversary, we're releasing their debut album, Destroy To Create, on vinyl for the first time ever. The Flatliners are currently on tour in Europe and join the Fat Tour this October. Check their tour dates here! Read what vocalist & guitarist Chris Cresswell had to say about the release below.
"Ever unearthed an old drawing you did as a child at your parent's house? Ever gone back and read the weird shit people wrote in your High School year book? Feels odd doesn't it? You're proud of what you've accomplished, but for some reason, you can't help but laugh. Well this October, we will be releasing our first album Destroy to Create on vinyl for the very first time ever. The lovely folks at Fat Wreck Chords have reluctantly agreed to allow our die-hard fans to finally snatch up these songs on a piece of wax. And we think it's a pretty cool way to celebrate the band's 10th Anniversary."
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Today is the last show of Fat Tour 2013! Thanks to everyone who came out to the shows!
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Warped Tour just got cooler! Teenage Bottlerocket are set to play the entire Warped Tour. Dates here!
04Dec, 2013
Win some signed NOFX signed merch & show tickets from New Noise Magazine!
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Tim McIlrath of Rise Against on covering "For Fiona" on The Songs of Tony Sly: A Tribute.
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Check out this review for the Western Addiciton EP. They've got a couple shows with Good Riddance. Be there!
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For years we've argued that Melvin from NOFX shoulda been cast over Michael Keaton for the lead role in Multiplicity and everyone called us crazy. Redemption is so sweet.
27Nov, 2013
A review for NOFX's new Stoke Extinguisher EP.
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Win some tickets to the Fat Tour 2013 is Vegas from Punks in Vegas!
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Check out a new Teenage Bottlerocket review of American Deutsch Bag!
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Seems Tuesday is an unofficial Fat day at BBC Radio 1, with Mike Davies interviewing Western Addiction and The Flatliners, plus tunes from a slew of other Fat bands.
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