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- Colors
If you answered B., we'll put the Dumbass Hat back in the closet.
Q: What do you do when the light changes but the pow is still nipple-deep?
- A. Shell out another $150 for a second pair of Oakley Splice Goggles at the resort ski shop
- B. Pull out the Oakley Splice Replacement Lenses you were smart enough to pick up when you bought your goggles, and change up your tint
Share your thoughts
What do you think of the
Oakley Splice Goggle Replacement Lens
? Share a...
Hi, are the Jade Iridiums you guys are selling the Prizm Jade Iridium?
great lens !!
- Familiarity: I've put it through the wringer
fantastic lens for low light conditions. I actually use this lens even when its sunny out and it works great. never fogs up !!!!
What is the VLT for the black rose Iridium?
Tyler Thunell, Employee
Its on the lower end. 15%
which can i use for cloudy days ?
which can i use for cloudy days ?
Rose and Black Rose Iridium would be the best lenses in stock for low light days.
I would also like to know the VLT on the...
I would also like to know the VLT on the Rose lens listed. Cannot find it after extensive research. Is the name correct? Thanks!
Hey Gjk,
The VLT on the rose lens comes in at 57%. It makes the lens an ideal all around lens similar to a persimmon lens. The lens should work well in low light and still will block some rays on the sunny days too. This lens is great for most days except for the super low light or extremely sunny days where it either will be slightly dark or too light.
With the Rose lenses they have listed,...
With the Rose lenses they have listed, what is the VLT on it, it doesn't show that color on chart, or at least I don't see it?
Hey Motorcity Madman,
The VLT on this is 57%. Trust me you are seeing the chart right, this lens option was not listed. We will work to get a more updated list posted. Thanks for bringing this to our attention.
Any chance of you shipping to Sweden?
Any chance of you shipping to Sweden?
Best regards,
This is a sad story indeed, but Oakley is one of those brands we are not allowed to ship outside of the United States because of trade restrictions. Trust me, we wish it were otherwise.
Many international customers deal with these restrictions by shipping to locations within the US and then arranging for further shipping themselves. If you have specific questions about how to ship certain brands to Sweden or another international location, please contact our Gearhead crew by phone or chat.
I'm an east coast rider and will be traveling...
I'm an east coast rider and will be traveling out west to Park City soon. I currently have the fire iridium lens (not polarized). Which, if any, might be a better option for those blue birds out west?
The dark Grey Polarized or the Black Iridium Oakley Splice Replacement Lenses would both be excellent options for brighter conditions, and would complement well the fire iridium lenses you already own.
Black Iridium Lens
- Familiarity: I've used it several times
These are a great lens for someone who doesn't want to buy two lenses. Riding in the east cost i didn't need two lenses so these were a perfect universal for sun and overcast.
how you know if the lens is mirror ?? (...
how you know if the lens is mirror ?? ( dont see the eyes )
Oakley calls their "mirror" lenses "iridium" lenses - although some colors are more reflective than others. I'd recommend Emerald Iridium, Fire Iridium, or Grey Iridium if you don't want people seeing your eyes. Blue Iridium, Pink Iridium, and Black Iridium are not as reflective as the Emerald, Fire, or Grey.
I've already got a Dark Grey lens and am...
I've already got a Dark Grey lens and am looking to invest in one for those overcast days. I won't be doing any night riding. Which one should I get?
Wayne Christoffersen, Gearhead
Hey Haziq,
If you check out the size chart for goggles and lenses it lists the Visual Light Transmission (VLT) for each lens color. I would probably suggest the Persimmon lens as it allows for 61% light transmission compared to the 10% of your Dark Grey lens.
is the fire the same as the fire iridium?...
is the fire the same as the fire iridium? or are they different?
Fire Iridium (labeled "Fire" here) is not polarized. Fire Iridium Polarized (labeled "Fire Polarized" here) is polarized and costs more.
Great lens, but be very gentle with it
- Familiarity: I've put it through the wringer
Excellent lens, very easy to change lenses out for changing conditions. Persimmon is perfect for your basic snow day with low light, but not completely overcast. As a reviewer mentions below, though, be very careful wiping away fog, water, debris....for some reason, the coating is very fragile and even if you're using a soft cloth (I was using a chamois from a different pair of goggles) you can very easily ruin the lens and get a big smudge across it. Only use the provided drawstring bag, and even then just dab it, don't wipe it.
The coating really isn't that fragile as long as you don't wipe it when it's wet. The inside, if wet, will just smear, but it tells you that on the bag. The outside, I have found, is really robust, and after multiple falls on snow, wiping it with a glove and jacket, it still doesn't have scratches.
Mine doesn't say anything at all on the bag. And it seems awfully tough to me to wipe off fogged/snowy goggles that are "dry". The coating should be substantial enough to withstand wiping water off of them with the provided bag. These are supposed to be snow goggles, not a delicate piece of technical equipment.
do the clear ones still have a UV protective...
do the clear ones still have a UV protective coating?
do the clear ones still have a UV protective...
do the clear ones still have a UV protective coating?
Don't touch the inside of the lens!
- Gender: Male
- Familiarity: I've put it through the wringer
I got a spec of something on the inside of my lens, and tried to wipe it off. A small smudge turned into a bigger smudge until the whole thing was just completely opaque. Great goggle otherwise, so 4 stars
Make sure that if you ever need to touch the inside of your lens, which you should rarely, you only use the Oakley bag that came with them!
matt, Employee
switch em out
I got the hi-intensity yellow for night/low-light days. I alternate with the fire mirror that came originally with them.
Easy to switch. great lens.
Got me a clear lens so I don't get mangled when its dark out. Same Oakley quality as always.
Hi-Intensity Persimmon Lens
- Gender: Male
- Familiarity: I've used it several times
Great lens, easy to swap out and great for cloudy days. Lights up the snow and allows you to easily distinguish changes in the snow.
So i have a pair of goggles and they have...
So i have a pair of goggles and they have dark lenses i want the opposite of that what would i wanna go with?
The H.I. Lenses listed above will give solid UV protection and diminish glare while not darkening your view so much that you lose the definition of the terrain.


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Longhirst Hall has reduced the price of a 2-night winter stay to £59 per person -- saving over 50% on the usual rates. This cracker of a deal for a Northumberland countryside break is valid any day of the week and includes:
Longhirst Hall is also offering this deal as a gift voucher, meaning you can purchase it as a Christmas present. Vouchers will be issued by the hotel upon booking and the recipient can then choose their stay dates within the promotional period.
Longhirst Hall is set in landscaped gardens surrounded by the Northumberland countryside near Morpeth. It offers the Decoro spa (£9.95 per hour), two golf courses, floodlit all-weather tennis courts, hockey and football pitches. Guests have the choice of four bars and the Boyson fine-dining restaurant.
Further afield, Alnwick Castle and Hadrian's Wall are a 30-minute drive away, and the North Pennines and the Northumberland Coast (both Areas of Outstanding Natural Beauty) are nearby.
This deal is valid any day of the week until 31 March, 2013.
Not available on 29-30 November; 1, 7-8, 14-15, 21-22, 28-31 December; 13-16 February.
Book by 21 December.
Please go to your email and confirm your subscription.


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Active Ingredients
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Inactive Ingredients
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I recommend this product for those who complain about head aches. Percogesic is one of the only things that relieves back pain for me. Also, helps me relax and sleep soundly. I love this product.
great product.
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Over the years the Industrial Training Institutes (ITIs) and Industrial Training Centres (ITCs) have occupied important positions in the technical world by offering many ITI courses. The ITIs and ITCs however opens a wide range of opportunities for the technical aspirants by imparting trainings in various technical fields through many full time, part time and vocational ITI Programme. The Directorate General of Employment and Training (DGET), Ministry of Labour and Employment (MLE), India, acts as the sole governing authority for the smooth execution of these training institutions.
The ITIs and the ITCs have crafted various courses for its students. By providing the fundamental as well as the comprehensive knowledge of these ITI courses these institutes seeks to sharpen the skills of its students in order to meet with the unceasing needs of the industries. The course duration ranges from one year to three years depending on the selection of trades. The minimum eligibility criteria to get admitted into the ITI courses are also vary from class 8th pass to class 12 pass depending upon the trade. The students have to undergone through an All India Trade Test (AITT) examination conducted by National Council for Vocational Training (NCVT), India, after completion of the required period of technical training in their chosen ITI trades. The students will also be awarded with National Trade Certificate (NTC), after clearing the All India Trade Test (AITT) entrance. The successful completion of the Industrial Training Institute (ITI) programmes wide spreads the employability opportunities of the students in numerous public as well as private sector organizations. It also enables them to stand their business at their own accord.


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Judge Posner: The President's Blueprint for Reforming Financial Regulation: A Critique
On June 17, the Treasury Department issued an 88-page report entitled Financial Regulatory Reform: A New Foundation: Rebuilding Financial Supervision and Regulation. The Report (as I'll call it) is a blueprint for reform of financial regulation, with the aim of preventing another financial crisis. In this first part of a two-part article, I discuss weaknesses in the overall approach that the Report takes to the problem of reform, as well as weaknesses in the Report's proposals for limiting "systemic risk." Part II (which will be published on FinReg21 on August 3) will discuss the proposals concerning executive compensation and consumer and investor protection, and will also suggest some alternative proposals for regulatory reform.
The Report's fundamental weaknesses are its prematurity, overambitiousness, reorganization mania, and FDR envy. Let me start with the last. It is natural for a new President, taking office in the midst of an economic crisis, to want to emulate the extraordinary accomplishments of Franklin D. Roosevelt's initial months in office. Under Roosevelt, within what seemed the blink of an eye, the banking crisis was resolved, public-works agencies that hired millions of unemployed workers were created, and economic output rose sharply. But that was 76 years ago. The federal government has since grown fat and constipated. The program proposed in the Report cannot be implemented in months or years, or perhaps even in decades—as would be apparent had the Report addressed costs, staffing requirements, and milestones for determining progress toward program goals and had the Report attempted an overall assessment of feasibility.
The Report is premature in two respects. The first is that it advocates a specific course of treatment for a disease the cause or causes of which have not been determined. Now it is not always necessary to understand the cause of something you don't like in order to be able to eliminate the effect. If you have typical allergy symptoms you may get complete relief by taking an antihistamine; it is not necessary to find out what you're allergic to. But generally, and in the case of the current economic crisis, unless the causes of a problem are understood, it will be impossible to come up with a good solution. The causes of the crisis have not been studied systematically, and are not obvious though they are treated as such in the Report. (Remember, the Great Depression of the 1930s ended 68 years ago and economists are still debating its causes.) We need some counterpart to the 9/11 Commission's investigation of an earlier unforeseen disaster.


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By Father and Son duo, David Gudgel & Brent Gudgel, with Danielle Fitch So you think that maybe – just maybe – you've found THE ONE? Before You Get Engaged offers priceless advice and direction for daters who are considering popping (or answering) the big question. Author and counseling pastor David Gudgel teams with his son, Brent, and Brent's girlfriend, Danielle, using anecdotes, dialogue, and diary entries to discuss the twelve relational indicators indispensable to a healthy, lasting marriage. Complete with fun and endearing proposal tips as well as ways to gently ask your significant other for more time, Before You Get Engaged will equip you with the insight, confidence, and peace to make on of the biggest decisions of your life. David Gudgel is the senior pastor at Bethany Bible Church and host of a thirty minute weekday radio program in Phoenix, AZ. A graduate of Westmont College, Talbot Theological Seminary, and Western Seminary, Dr. Gudgel has been in vocational ministry for thirty-five years. He and his wife Bernice have three twentysomething children: one married, one not, and one (Brent) thinking seriously about it. Brent Gudgel is a filmmaker and photographer in Los Angeles. An owner of Chronicle Project, he directed the film Dear Francis which aired on Showtime in 2007 and has worked on projects in over twenty countries. When not on a set, Brent travels to conferences, colleges, camps, and churches across America to speak about social justice. He is currently considering popping the question.


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Check out our new infographic below to learn how the experts at The Howarth Group can help you when you need it most!
(Click picture to view)
Check out our new infographic below to learn how the experts at The Howarth Group can help you when you need it most!
(Click picture to view)
If you missed it, look back at mistake #4.
Mistake #5. It's understandable that, initially, a property owner is going to be "back on their heels" and a little disorganized after a major loss. A major fire or tornado is not something you really plan for. However, a disorganized policyholder will always get less than they are due because it breeds confusion. A homeowner who has suffered significant damage to their home would be wise to get a 5 or 7 pocket file folder to keep and organize all paper and documents that are related to their claim. You can get these at any Office Depot, OfficeMax or Staples for $5-$7. Being organized helps to put you back in control of your claim and your life. On the other hand, disorganization puts you at distinct disadvantage to the experienced and well-organized adjuster and will cost you a lot of money in the final settlement if you don't have a method for keeping track of everything.
Other articles you'll find interesting:
If you missed it, look back at mistake #3.
Mistake #4. One of the biggest errors I see policyholders make is that they never document the conversations they have with the adjuster. There is nothing wrong with meeting with the adjuster or talking to him/her on the phone but those conversations ought to always be followed up with an email that briefly summarizes your understanding of the conversation. Any follow-up email you send ought to ask them to please respond immediately if your understanding is inaccurate. Attorneys call this a "paper trail". The adjuster keeps a log of all activity (phone calls, visits, etc…) related to your claim. If it's important for them to properly document your loss from their side of the claim it ought to be doubly important for you, the novice, on your side of the claim. Documenting your communication with the insurance company's representative will also send a subtle message to them that you are paying attention to the details. Continue to mistake #5.
Other articles you'll find interesting:
If you missed it, look back at mistake #2.
Mistake #3. The formidable task of listing all of the personal property lost in a fire or tornado takes a lot of time and focus to do it right. My observation over the years as a Tennessee and Kentucky Public Adjuster is that people get worn down (emotionally and physically) during the process of inventorying; and because of that they end up listing just the big stuff and then they "throw in the towel" on the rest. That's a very costly mistake. If you can't do a comprehensive and detailed list of EVERYTHING lost in the fire (including bobby pins, spatulas, shower curtain rings, etc…) then get some professional help, otherwise you will leave tens of thousands of dollars of your money in the insurance company's pockets. Continue to mistake #4.
Other articles you'll find interesting:
If you missed it, look back at mistake #1.
Mistake #2. It's the insurer's responsibility to put together an estimate that reflects what it will cost to repair or rebuild your home. Let them give you their estimate before you show them any bids you have received from other general contractors who are offering to do the work (by the way, NEVER use one of the carrier's preferred contractors). It's a little like playing poker in that you want them to show their cards first. Once you get their estimate it's always a prudent idea to get a public adjuster who is very familiar with Xactimate (the primary estimating software used in our industry) to review the insurance company's numbers before agreeing to anything. A "second opinion" is very valuable and shouldn't cost you anything. We do them all of the time for people who want to know if they are getting everything to which they are entitled. We find that about two-thirds of the estimates we review are incredibly under-valued. With those kind of odds it's clear the deck is clearly stacked against you, the policyholder. A review of their estimate will clearly show the intentions of the carrier with respect to your claim. The "proof is in the pudding" as we say. Continue to mistake #3.
Other articles you'll find interesting:
After a fire or tornado has damaged your home there seems like an endless list of things that need your time and attention. The sheer number of items that need to be addressed (along with the unfamiliarity of a large insurance claim) often lead the insured to making some avoidable errors.
As a very experienced Kentucky, Mississippi and Tennessee Public Adjuster I would like to share some of the things that in my opinion are the most common mistakes people make in handling their insurance claim. Over the next series of blogs I will reveal the five most common mistakes made by policyholders after a loss so you can make sure not to repeat them yourself.
Did you suffer a loss? Before reading, check out this post about the 5 things you should do IMMEDIATELY after your loss. Once you've been through that, read this and make sure to avoid these common mistakes.
MISTAKE #1. Many policyholders believe that the adjuster assigned to their claim can fairly and equally represent their interests and also that of the adjuster's employer, the insurance company. That is a near impossibility. Our own judicial system recognizes that one attorney cannot fairly represent both sides in a legal matter. To do so is a violation of the Rules of Professional Responsibility and they could expect to lose their license. It's called a "conflict of interest". The same can be said of the adjuster assigned to your claim. That adjuster works for your insurance company, not for you. Remember that, and consider finding someone who has a lot of experience in handling claims for just the policyholder. This will level the playing field. Continue to mistake #2.
Other articles you'll find interesting:
After a major loss, most people experience many of the same emotions they would expect were it a death in the family instead. They feel a sense of disbelief, denial, fear, anger, resignation and depression. Yet in all their emotions, they never count on one thing that frequently happens; "psychological warfare" waged upon them by their insurance company.
The first thing I remind my clients of is that insurance companies are business entities. They are in business to make money. And they are most profitable when they collect premiums from people like you and me and are able to keep that money invested. They are least profitable when catastrophic claims occur and they are forced to pay the policy limits on those claims. So, quite naturally, they have become very good at avoiding the financial pain caused by paying more than they absolutely have to pay.
As a Tennessee public adjuster I advise my clients that their insurance company studies statistics on everything. Statistics on how long it takes someone to call after an auto accident to how likely a person is to die based on their personal habits. In other words, they study people's behavior and then they use that knowledge to psychologically manage their response to each type of claim.
Did you know that your insurance company knows with statistical certainty, how likely you are to accept their first offer without question? A significant majority of insured's accept what their insurance company initially offers them without argument. If only 20 percent of those who incur a loss are going to question or argue the size of their settlement, why would the insurance companies pay everything in the first check? They save a tremendous amount of money by paying 60 or 70 percent of what they should, knowing that only a minority of families are going to ask for more money.
One way that insurance companies are able to do this is by understanding human nature. Let's assume you had a beautiful home and while you were out shopping your ten year old son, playing with fireworks in his bedroom, accidentally burns your house down. It's unfortunate and it's clearly accidental but know this: the objective of the adjuster assigned to your claim is to settle the claim to your satisfaction as cheaply as he/she can. It is not their job to volunteer any more than they have to in order to get your claim settled.
So, how does this adjuster save the insurance company money? He will interview you, your son and anyone else relevant to the loss. He will question you about possible motives you might have had to want a fire like that to happen. He will make sure you had no possible motive to want a fire like that to happen. It will feel a lot like you are being investigated for arson or insurance fraud. (Remember, his job is to first make sure that a claim is legitimate and I have no argument with that but there is a limit to that kind of approach). You also need to realize that even though your son didn't do it on purpose you will, naturally, have a sense of remorse about the negligence that caused the accident. If the insurance adjuster can cause you to feel any insecurity or additional guilt about the claim, he has taken you one step closer to getting you to accept something less than a full settlement. Why? Because you are in a weakened state of mind and less able to resist this kind of tactic.
If I can offer you any advice in how to keep your insurance company from manipulating your emotions it would be this:
1. Insist that your insurance adjuster put everything in writing. Verbal offers are not binding and when it comes to claims, there is often a great deal of difference between what they will say and what they will put into writing.
2. Get the full benefits of what your premiums paid for. You've lived up to your end of the deal now it's time for them to live up to theirs. So don't allow any insurance adjuster to make you feel guilty about your loss. Get everything you're entitled to and don't allow them to psychologically intimidate or pressure you to accept anything less.
Scripture admonishes us in the book of Matthew "to not worry about tomorrow, for tomorrow will worry for itself. Each day has enough trouble of its own" (NIV). But try as we might to not concern ourselves with tomorrow (or next week, or next month etc…) we all seem to possess an innate desire to know what tomorrow holds for us. So, inevitably, whenever I meet an owner who's suffered significant damage to their property they almost always get around to asking me, "What's going to happen next?" (This is a reasonable and logical question in light of the fact that they most likely have never been down this road before). While I can't tell them with certainty how their insurance company is going to treat them or how much of a settlement they will receive I believe that has an experienced Tennessee Public Adjuster I can give most people a general idea of what process their claim will go through in the next couple of weeks…a "lay of the land" if you will.
Let's start with your structure and assume that the peril that inflicted the damage was a fire. Most insurance companies have a rule that the adjuster assigned the claim has to call you within two days of notification of the loss. In that phone conversation he or she will set up a time to meet you at the property so that they can assess the scope and severity of the damage. There is a good probability that part of that meeting will include you giving a recorded statement to the adjuster of the events leading up to, and just after, the fire. This is standard operating procedure and shouldn't be a cause of worry (plus it's a condition of the policy for you to have coverage). This meeting normally takes place within five days of the loss depending on the adjuster's workload.
Once on site you can expect that the adjuster will take numerous pictures of the property both inside and out. If they are trained in estimating they may even decide to start taking measurements of the damaged areas. The adjuster will take the information he gathers at the site and go back to his office and begin inputting the data into the software program (they are probably using a program called Xactimate). The larger the fire the longer it will take for them to input the data. The last question you should ask the adjuster before he leaves is: "When can I expect to receive my estimate". Write that date down and let them see you do it. (If they aren't going to begin formally detailing and estimating the damage at that first meeting then they will normally return in a day or two do it OR they will schedule one of their estimators to come out on site to start the estimating process. Just get an idea as to when this will happen and make note of it).
Seldom do they get the estimate to you on the date they say they will. Some of the reasons are legitimate and some are very questionable but let's first talk about the valid things that could delay them getting back to you with your estimate. I am not an apologist for insurance adjusters but in all fairness there are things that will cause the adjuster to take longer than expected and, as I am also a Kentucky Public Adjuster, I find this holds just as true for Kentucky residents as well as Tennessee property owners. Some of those things are:
1. Their manager unexpectedly added more claims files to their caseload.
2. A catastrophe, such as a tornado or hurricane, has hit the area and hundreds if not thousands of pieces of property have been damaged. Their claim files have now just increased by five or ten fold. Two thirds of the tornados in the south occur in March, April and May. If you have a fire loss during this period and a tornado occurs around the time of your loss you can expect it to take longer for them to come up with an estimate than in August, for example.
3. The adjuster is taking a vacation the week following their initial visit (which will put them even further behind because new claims will have been added to their workload while they were taking some time off). Adjusters have families too and they want to take their spouse and children on spring break and on summer vacations like many other families.
4. Thanksgiving, Christmas and New Years. From Thanksgiving through the beginning of the start of the New Year I always see the speed upon which a claim is processed drop by about 50%. The adjusters have vacation time that they have earned that if they don't take by the end of the calendar year they lose. This 5-6 week stretch is a popular time for staff adjusters, estimators and claim reps (the people who work in the office and you talk to on the phone) to take time off that they are entitled to. This means your claim is not getting much attention. You will need to be patient during this stretch of time.
5. Winter. There are twice as many fires per month in December, January and February as there are in July, August and September (thus a greater workload for the adjuster). So if you have a fire or burst water lines in these months you can expect to wait longer for them to resolve your claim than most other months.
The fact that there are some legitimate reasons for why your claim is not being handled as expeditiously as it should doesn't mean that you shouldn't be actively engaged in regular communication and follow-up with your adjuster. The old adage, "the squeaky wheel gets the oil", still holds true.
In my continuance of this blog (Part II) we'll discuss what's going on at the home office and if there are things there that could be holding things up.
Have you lost your home to a fire? Or, a tornado? Both are tragic events that can leave any homeowner reeling and wondering what to do. After calling in your loss to the claims department of your insurance company you can normally expect to hear from the adjuster assigned to your claim within 48 hrs, so let's talk a little about that initial phone conversation.
The adjuster will be your key contact throughout the life of your claim. As a Tennessee Public Adjuster here are some questions I would recommend you consider asking in that first call with your adjuster:
1) "Mr. Adjuster, would you mind repeating your name for me and spelling it. I would also appreciate getting the following information from you such as your email address and the following numbers (office, fax and cell phone)".
Make sure you get all this information on your first call. They might be hesitant but, trust me, you need all of this. Don't let them talk you out of it. Why? Because communication is paramount and you do not want your adjuster finding any way to avoid talking to you. Claims always take longer than you hope for…and this is most certainly true if you cannot locate your adjuster.
2) "Mr. Adjuster…can you bring me a copy of my policy when we first meet over at the property? Oh, you can't? Then please order me a complete copy right away. When can I expect it?"
Believe me when I say you need the whole policy. Within the policy is where you find out all of the information on the types of coverages and benefits you are entitled too. Many times after reading the policy I am able to reveal to homeowners that there are additional benefits within their policy that have for some reason not been mentioned by the adjuster to the property owner.
3) "Mr. Adjuster…can you please bring me a copy of my "declarations page" (or "dec" page as we in the industry call it)?"
The "dec" page is a one page summary of your basic coverages and it tells you the policy limits and types of coverage that are specific to your home, business and personal property. The limits on your policy increase a little bit every year so make sure you get a current "dec" page.
4) "What benefits are available to me and my family under the Additional Living Expense coverage of my policy?"
This coverage (which is frequently referred to as ALE) is designed to help you pay for any "new" expenses that you are, or will be, incurring due to the damage to your home. Some of these ALE expenses are for things like renting another house, staying at a motel, higher cell phone bills, longer distances to drive, etc). Ninety-nine percent of homeowners have this coverage. (I will make a list, in another blog, of many of the other items that fit into this category and should be paid for out of your policy).
5) "I understand that insurance companies frequently will give their policyholders an "advance" on their settlement. We are in need of clothes and other necessities so I would appreciate you bringing a check to help us through the first couple of weeks. How much do you normally advance people?"
This check is usually handed over to the policyholder on the first visit from the adjuster and is normally between $1,000 and $10,000. It goes to help you purchase some clothes, replace some lost medicines, pay for a hotel or purchase whatever else is now necessary. Keep in mind, this check can be spent on anything you choose but spend it wisely. This check is taken out of the coverage your policy has allotted for contents and will be deducted from the final settlement check on your personal property (except for those purchases directly related to Additional Living Expenses). So make sure you hold unto all receipts and keep good records and differentiate between the money you spend on new contents and the money you spend for Additional Living Expenses.
Well, there you have it. Not an exhaustive list of questions to ask your adjuster when you first visit over the phone but a good start. Here's the secret: the more you can project to the adjuster that you have a working knowledge of the claims process the greater the probability that you will be treated fairly. Knowledge is power!
You may or may not like your adjuster but you should be ready to be the squeaky wheel with them. And it's not grease you're wanting but attention, assistance, good communication and, finally, a fair settlement.
With forty-four states providing for the licensing and regulation of public adjusters why has "The Cotton State" not allowed people in our profession to work as an Alabama Public Adjuster… and doesn't this increase the potential for a bad insurance settlement for the citizens of Alabama? It's a good question and a fair one at that.
While it may be unfortunate that a "public adjuster" cannot help someone with their claim it really does not matter. Why? Because every policy that I've read in Alabama includes a provision (written into the policy by the insurance company I might add) that provides a clearly defined process for resolving issues concerning "how much" the insurance company should pay for the repairs or reconstruction of a property they are insuring.
This process is called appraisal and is similar to mediation and arbitration in that it is an alternative dispute resolution format put in place to prevent expensive and time consuming lawsuits. The appraisal clause was inserted into policies years ago because no one thought it wise to leave filing a lawsuit as the only option for a policyholder who has received a low settlement offer.
Brian Goodman, Esq. and counsel for The National Association of Public Insurance Adjusters has been working with the powers-that-be in Alabama to come up with some legislation that would model the law that the National Association of Insurance Commissioners recommends for the licensing and regulation of public adjusting. This could all happen sooner rather than later but there is no definite timetable as of now.
But, again, whether public adjusting is allowed in Alabama or not the people of that fine state still have a very effective tool already built-in to their policies that can remedy the issues surrounding a low settlement offer… and it's called appraisal.


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Wednesday, May 02, 2007
Here is another in my long list of worries about what I am doing and why: Shall I include my political views in my books, and if so, how much?
The question, which is always hanging someplace in the back of my mind, came forward a couple of weeks ago. Two of the various mystery and writing listserves included messages of annoyance at specific authors who were too political, or, in these cases, "too Democrat." The posters claimed that the books spent too long making a case for one political point of view. In one case, the politics was called gratuitous.
I won't name the authors involved, except to say that they are both well known and I like their books. These were recent publications.
Suppose you include strong political opinions? Do you lose readers? Some, I suppose. Well, maybe you could give your opinions to one character in your book and a contrary political view to another character. Does that even-handedness take care of the reader who objects to your real views? And should it? Aren't you more honest letting it be clear where you stand?
Of course, you can slip your views in subtly. Show the evils of the Whosis and the virtues of the Whatsis. Like Dickens showed the evils of the workhouse. But is it as simple as show-don't-tell? I don't think so. Readers are not stupid. If your cruel Texas sheriff is also a bigwig in the Republican Party and thinks family values means keeping down folks who aren't "our kind" – well really, how mystifying is that? In a long-ago book, Hardball, I explored, if not pushed, the idea that our drug laws may be causing the drug problem. The competing views were expressed by characters, not the narrator, but my opinion was probably clear.
I kind of like having an author fervently try to convince me of something. But I suspect most readers don't. And I suspect most writers worry as I do about how far to go with their personal views.
As writers, ultimately we should be ourselves. Many years ago, when my younger boy was in middle school, a teacher became worried that he was reading some iffy books. She meant sex and violence. My response was that if he was reading I was in favor of it. Reading takes you into the mind of another in a way nothing else can. It is truly broadening.
And yes, I think fiction is a force for Good.
But still, how far do you go?
9 comments:
Great post, Barbara.
Almost all of the fiction I read has political content. In the case of genres like mystery and science fiction, morality and conflict are central to the story, and it makes sense that the politics of the characters would be expressed. I think as long as your story has truth and complexity, it's not soapboxing.
- Steve Malley said...
I think the important thing is not to be preachy. Nobody wants their work to come off sounding like an ABC Afterschool Special. (Do those still exist?)
James Lee Burke does it beautifully. His convictions ring through every novel, threading through, informing and often driving very entertaining stories.
Brave New World, 1984 and All the King's Men are powerful examples of persuasive fiction. Each has an overt message built into the story. But in each case, the story is damn fine.
- Barbara D'Amato said...
Thanks, hawk3ye. I agree. And as Sean was saying in his recent post on I Spy, the fact that the two characters, one black and one white, were friends was its own statement.
Steve's point that you have to avoid preachiness is absolutely right. Sometimes it's not easy. In reading reactions to various novels, I find that the person who thinks the author is being preachy is often the person holding a different political view. Anybody else have this experience?
- Pete said...
Pontificating is fine, as long as it's done subtly. The story has to stand on its own merits, independent of the political stance. Otherwise it's just a gussied-up editorial.
Crime fiction has a tremendous history of including political content.
Think of Hammett's "Red Harvest," Richard Price's "Clockers" or just about anything authored by George Pelecanos.
I am an unpublished writer, rewriting my first book, a crime novel set during Prohibition. I knew from the outset that a straight up "broads, beer and bullets" novel wasn't the way I wanted to go.
Prohibition was one of the most wrong-headed pieces of legislation to ever crawl out of Washington. Not only was it the first amendment to ever restrict freedoms, it was a law that, in its hapless enforcement efforts, saw a rise in alcoholism, anti-immigrant sentiment, and corruption. This is to say nothing of providing a money minting operation to organized crime. I knew I wanted to write a book that reflected those thoughts. I wanted to write something that felt authentic.
In the course of my research, I read several books and articles (thank you, New Yorker CD-ROM archives!)on the political movement behind the Volstead Act.
While the politics of Prohibition are not central to my book, the research was invaluable in helping me define the political atmosphere of the book's time period, 1931. I think the background information certainly helped sharpen my characters, my voice and, of course, the setting.
In today's virulent and knee-jerk culture wars, you're gonna get hit no matter what you do. As long as you're honest and the politics doesn;t bog down the story, I think you're good.
I read 'Hardball' (to use as an example) and the differing points of view definitely made me stop and think. It didn't change my opinion on how the 'war against drugs' ought to be waged, but I liked that the views presented were quite balanced.
I've found that if a main character espouses a particular view, it's usually the author channelling their personal views on the matter. In this way, one can probably decide if a particualr author is pro/con this or that.
I do recall reading one novel that dealt with the notion of communicating with someone from beyond the grave. The protagnist sought the services of a medium who claimed to be able to provide her with pertinent "messages". The nature of the plot demanded that the reader believe this was actually happening. Unfortunately for the author, I was quite sure she personally wasn't into dabbling in the occult.
So while this isn't an example where *politics* interfered with my enjoyment of a novel, my own perception of the author's personal belief system ruined my enjoyment of the plot. (Climax was decidedly not one of surprise and excitement).
- Jude Hardin said...
Put Archie Bunker and Michael Stivic in the same scene, and you have conflict. Always a good thing in fiction.
And, you're also making a statement about the absurdity of extreme views on both sides.
- Barbara D'Amato said...
Thank you, jude. matt, pete and anoymous for your great comments and thank you, anonymous, for the nice words about Hardball.
Good luck with your book, matt. It sounds good. I think our present prohibition is wrong-headed, too.
- jean sheldon said...
As citizens, writers or not, if we have an opportunity to say we think something is wrong, we have a responsibility to say it. The challenge for a novelist is to say it as a confidence rather than shouting from a podium.


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POSTED: 10:35 p.m. HST, Jun 8, 2013
A man driving a moped struck a dog and then collided with an automobile Saturday night on Waianae Valley Road, according to a report from Emergency Medical Services.
Paramedics took the man to the hospital in critical condition after the accident.
The accident happened at about 8 p.m.


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Build a Birdhouse in 7 Easy Steps
Of all the woodworking projects I've done, building a chessboard is the one that has gotten me the most ooohs and aaahs for the least amount of work. You may think that it involves a tedious process of cutting and gluing together 64 small squares of wood, but that couldn't be further from the truth. This is a simple project that requires only a few hours, spread over a couple days. You might even have everything you need on hand.
What you'll need:
Saw (preferably a table saw)
Bar clamps
Wood glue
Orbital sander
Framing square
Light and dark wood (enough to make four 2 x 20-inch strips, 3/4-inch thick, in each color)
For the wood, it's preferable to pick two species of a similar hardness, such as the oak and mahogany I used. Maple is good, too, for the lighter wood. Mixing a soft wood like pine with a hard wood like mahogany will make the sanding process trickier later on.
According to the World Chess Federation, the dimensions of a chessboard square should be between 5 and 6.5 centimeters (2 to 2.5 inches). For my own board, I went with 2 inches. This gives you a board that is about 16 inches square, depending on what style of border you select (we'll get to that in a bit).
The first step is to cut eight strips of wood, four of each color. The strips should measure the width of 2 inches (or whatever you choose for the square dimension) by at least 20 inches. A table saw is going to give you the best chance at accuracy and consistency. You could use a circular saw if necessary, but you'll want to set up some kind of straight edge to run the saw against.
8 Clever Ways to Build With Reclaimed Wood


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Korean pop sensation PSY has broken the record for Most Liked Video on YouTube with over 2,234,180 likes, as confirmed by Guinness World Records.
The latest stats on the video, that has been available to view since July 15, puts its competitors in the shade; LMFAO's Party Rock Anthem has accumulated 1,574,963 likes, Justin's Bieber's Baby 1,327,147 likes, and Adele's Rolling in the Deep 1,245,641 likes.
PSY, real name, Park Jae-Sang, is a South Korean singer, songwriter, and rapper. Gangnam Style, his most successful single to date, is the most viewed K-Pop video on YouTube, and marks the first time a South Korean artist has topped the iTunes charts. The video can be viewed on his official YouTube Channel.
The video has in excess of 222 million views and the track has gone to No.1 in countries across the globe. It hit the top spot of the UK iTunes chart today (September 21), a month ahead of its October 22 impact date planned by record label Island.
Guinness World Records community manager, Dan Barrett, said: "Having been the "have you seen this?!" video of the last two months across the web, it's great to be able to award a record for this tremendously popular video.
"In years past it was unthinkable that something would be viewed a hundred million times, and now Gangnam Style has achieved more than twice this figure in just three months on YouTube. Psy – your certificate is waiting here at our office, come pick it up any time!"


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on After Effects, Final Cut Pro, AVID and much more.
Posts Tagged 'adobe creative cloud'
9 Articles Every Filmmaker Should Read (August 2015)
Miss any big headlines in August? From the future of Adobe to drone warfare, here are nine things you may have missed last month.
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Interpret Footage in After Effects
The Interpret Footage feature in After Effects is handy looping your clips and modifying the frame rate. In this useful After Effects tutorial we'll show you how to do both.
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TypeKit: Fonts for Adobe Video Editors and Designers
Video editors, motion graphic artists or designers that uses Adobe now have access to tons of high quality fonts through TypeKit. In this post we show you how to access TypeKit and make the best use of this font resource.
Premiere Pro: Interface and Navigation Shortcuts
The best way to speed up your video editing is with shortcuts. In this post we share a few must-know Premiere Pro shortcuts for navigating around your timeline and video editing interface!
Monitor Overlays in Premiere Pro 7.1
Learn how to use the new monitor overlays feature in Premeire Pro – great for quickly getting shot or timeline info on the fly.
Adobe Audition Fundamentals for Video Editors
How are you mixing and sweetening your audio in post-production? In this post we explore Adobe audition as a powerful audio app for video editors. Audition can be used with many video editing apps (not just Premiere) and in this post we'll show you how.


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Hip2Save's Daily Dose (2/11/2014)
This Hip2Save.com Deal was hand-posted on Tuesday, February 11th, 2014 at 11:24 pm.
Alright, it's time for the 2/11/2014 Daily Dose! Here you will find a round-up of all the best deals and coupons that were posted throughout the day. I hope this helps save you lots of time and lots of money!
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If you can't see the video, go here.
5 Hip Readers Commented
You are just too cute and personable! I just printed out the KeVita coupon and I am going to try it! Thanks for all you do. I would not know what to do without Hip2Save !!!!!
I think you are hilarious! I will have to try that cleanse. I suffer from the same thing you do at times. You still liking Calm? I got some samples and I thought it good. :)
You are so funny with the kevita! I think it's basically just water kefir. I brew my own with water kefir grains, and it is yummy and super cheap. My toddler used to get backed up too, and kefir really helped her. Check out my post on how to do it: http://fromscratchclub.com/2013/01/24/diy-project-water-kefir/ and I know you can buy your own grains at culturesforhealth.com


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Artesia the place to be for balloons and bluegrass
Pilot Kiman Kingsley of Miller, Mo., was one of the first to get up in the air at the Balloons and Bluegrass Festival in Artesia, Saturday. Chaunte'l Powell Photo
Clear afternoons skies and favorable wind conditions salvaged the balloon portion of the Balloons and Bluegrass Festival in Artesia, Saturday.
The original launch was scheduled for about 7 a.m., but winds were blowing between 18-21 mph, which is much higher than the 5-10 mph balloonists are recommended to fly in.
In downtown Artesia, the bluegrass portion of the festival went off without a hitch. Vendors sold paintings, jewelry, pillows, and of course food, while bands performed for bluegrass lovers from various parts of southeastern New Mexico. The event attracted Roswell resident Bobby Graves, who said he enjoyed the spiritual element found in The Triple L Band's performance. The Login to read more
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« 10K-plus county residents vote early Artist Kim Wiggins helps RMAC celebrate 75 years »


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Rita Faltoyano
Profilo della pornostar, Date added:
Rita Faltoyano was born in Budapest, Hungary and is a very pretty Hungarian woman benefiting from world class genetics. Her father was an Olympic athlete and her mother was a beauty pageant winner. Rita was born under the astrological sign of Leo. Her eyes are blue and her hair is often described as honey blonde. She is 5 feet 5 inches tall and weighs 125 pounds. Her all natural body measurements are a striking 36D-24-36. Her busty curves and sexy smile have become her signature, with no tattoos or body piercings of any kind.
Growing up on a farm outside her birth city, Rita learned to be an equestrian and excelled in that field. Being the daughter of a former Miss Hungary and with her Olympic champion father, it will come as no surprise that she also grew up a three time champion swimmer and a gymnast. According to Rita, she got her start in the adult industry after an adult talent scout spotted her on television in a pageant and contacted her. She was intrigued by the offer and decided to go for it. Her first performance was in the 2000 movie "Private Gold 43: No Sun, No Fun" distributed by Private and directed by Pierre Woodman. Rita appears in scene eight and her costars are Judith Fox, James Brossman, Laslo and Pascal St. James. It's an outdoor scene with the three guys getting blowjobs and the girls working their pussies as well. There is lots of fucking and even anal sex and finally Rita takes two guys inside of her pussy before the big facial cumshots. In her very first adult performance she not only had anal sex but also was double penetrated.
Another early release for her was the 2000 movie called "Hustler XXX 2" produced by Hustler Video and directed again by Pierre Woodman. She appears simply as Rita and gets the large center shot on the box cover too. Her scene is the first and her partners are Alain Deloin, Bob Terminator and James Brossman. Shot on the beach in Costa Rica, Rita is swimming nude in the water when the three guys join her. They move to the beach where she gives them blowjobs and handjobs alternately. They get into four way fucking which keeps her busy and she gets double penetrated with one guy below and one above. Then she has anal sex while giving blowjobs and it's all capped in traditional style with all the guys cumming on her face. Movies like these first ones really brought Rita to the attention of every major adult studio who booked her solid for the entire year and beyond.
In 2001 Rita took part in a movie that earned her a Ninfa Prize win for Best Supporting Actress. The movie was called "Private Black Label 26 - Faust - the Power of Sex" which was produced by Private and directed by Jose M. Ponce. once again she graces the box cover with her beautiful naked body, this time draped with a giant snake. Rita appears in scene 13 with costars Bibian Norai, Mandy Bright, Mia Stone, Rita Faltoyano, Nacho Vidal and Toni Ribas. In this scene Rita runs the typical gamut of blowjob and pussy fucking as well as having anal sex and taking a facial cumshot. Her performance also earned her the 2002 award from Venus for Best Actress - Eastern Europe.
In an interview Rita revealed that she has loved working in adult because it has made her much more confident. Naturally it has also helped her know what she likes about sex. For instance what she likes about a potential sex partner is a beautiful face and body as well as a good mind. She loves to suck cock and her favorite sexual position is to get fucked from behind while she is on her hands and knees. She was asked if she spits or swallows and during her work she spits, but in her private life it depends on if the guy smokes and also on what he eats. These things change the taste of semen so it makes quite a difference to her. As to a guys dick size she always wants a man with a normal sized cock who knows how to use it rather than a really giant dick. One of her sexual fantasies is to have sex on the roof of a skyscraper while it's pouring rain.
Rita played the lead female role in a trilogy of high budget movies of which the first was called "Private Gold 54 - The Private Gladiator" from Private and directed by Antonio Adamo. At the time of it's production it was referred to as the highest budget ever for an adult movie. Rita once again graced the box cover with her beauty along with male lead costar Tony Ribas. The movie took home a nice haul of AVN awards at the 2003 ceremony including Best Director - Foreign Release, Best DVD Menus, Best DVD Packaging, Best Foreign Feature. The Venus award for Best Film - Europe was also won by the movie. The sequels called "Private Gold 55 - Gladiator 2 - In the City of Lust" and "Private Gold 56 - The Private Gladiator 3 - Sexual Conquest" followed and were as well received with Rita scoring the box cover shot on the final movie as well. This series was great publicity for her and she personally won the 2003 AVN award for Female Foreign Performer of the Year in large part due to these works.
In 2004 Rita was among 5 adult performers expelled from Mexico after immigration authorities claimed they were doing business while on tourist visas. They were attending the first annual Mexican Erotic Film Festival and according to reports, were detained for a whole day before being allowed to pay a nearly $3600 fine and leave the country. The event organizers were said to have resolved the issue after the fact and the festival has had few problems of this type in subsequent years.
Rita maintains an active Twitter account and boasts almost 9200 followers. She tweets often when not working and includes details of her personal life in addition to letting her fans know about upcoming movie releases and personal appearances. She married fellow performer Tommy Gunn in 2005 but has continued her performing roles and has over 350 titles under her belt with more to come. Get a great look at this one of a kind cum catcher with the exclusive PORN.com collection of more than thirty Rita Faltoyano hardcore porn tube videos including rare scenes you won't find anywhere else. Always free, always full length and updating often with hot new smut for you to Enjoy!
- Pompini 36
- Fica rasata 34
- Sborrate 34
- Leccate 31
- Coppie 34
- Hardcore 30
- Bionda 30
- Masturbazione 26
- Ditalini 27
- Sesso anale 27
- Brunetta 27
- Masturbazione con la mano 21
- Cowgirl al contrario 21
- A pecorina 22
- Cowgirl 22
- Cazzi enormi 22
- Cucchiaio 17
- Università 20
- Dilatazione della fica 18
- Tettone 17
- Spogliarello 15
- A gambe aperte 13
- Baciare 15
- Solo 14
- Gola profonda 10
- Missionario 9
- Sesso a tre 8
- Scopata tra le tette 9
- Apertura di culo 8
- Amatoriale 8
- Teenager 9
- Tette piccole 7
- Giocattoli 7
- Calze a rete 5
- Seduta sulla faccia 4
- 25:47Rita Faltoyano Sunbathing And Beautiful Gets Fucked28/ago/2015
- 12:11Girl Lets Beautiful Blonde Man Lick Her Pussy And They Screw31/lug/2015
- 19:54Rita Faltoyano Gets Stuffed By A Big Black Dick22/giu/2015
- 25:47Anal Babe At The Pool Gets Thick Black Missile31/ott/2014
- 23:33Perky Breasted Lovely Whores Are Getting Ffm Sex On Bed19/ott/2014
- 28:28Massive Anal Sex For Naughty Rita Faltoyano22/set/2014
- 16:01Big Tit Slut Jerks Two Cocks In The Shower16/set/2014
- 3:49Hot Blonde Rita Faltoyano Rubbing Her Tight Pussy06/giu/2014
- 19:08Lucky Dude Fucks Rita Faltoyano Brains Out03/giu/2014
- 7:55Horny Guidette Sucks And Swallows13/mag/2014
- 7:52Casey And Rita Have Loads Of Fun With Big Ben.20/apr/2014
- 27:28Gorgeous Babe Gets Her Ass And Pussy Fucked19/apr/2014
- 26:03Beautiful Girl Fucked In Both Holes And Cum In Mouth16/apr/2014
- 6:25Slutty Brunette Deep Throats Muscled Stud10/apr/2014
- 28:44Monster Cock Hunk Plows Blonde Babe Rita Faltoyano27/mar/2014
- 24:15Kinky Babe Rides Her Man's Cock Hard18/mar/2014
- 12:08Rita Faltoyano Gets Ass Fucked And Sprayed With Jizz16/feb/2014
- 26:03Rita Faltoyana Enjoys Hard Fucking From Joe Rock25/gen/2014
- 24:13Fucking The Cock In Party With Friends12/gen/2014
- 28:27Sexy Honey Fucked In All Holes By Two Cocks And Swallows20/dic/2013
- 7:17Casey Young And Rita Faltoyano Share A Facial19/dic/2013
- 13:31Rita And Joey Doing The Nasty.12/dic/2013
- 18:58Sexy Blonde Takes Dick In The Ass Then Licks It Clean05/dic/2013
- 27:51Cuties Casey And Rita Treat Ben To A Session Of Sucking28/nov/2013
- 28:10Lusty Casey & Rita Share A Huge Black Cock & Drink The Cum.04/nov/2013
- 7:32Big Boobed Blonde Loves To Wet Her Pussy18/ott/2013
- 28:30Naughty Blonde Takes It In All Holes!15/ott/2013
- 13:37Sophisticated Slut Bears It All For The Camera08/ott/2013
- 16:14Two Hotties Filling Their Holes With Cock.08/ott/2013
- 19:07Rita Takes Her Boyfriends Cock And Swallows His Load08/ott/2013
- 23:30Cowgirl Rita Really Knows How To Handle A Cock24/set/2013
- 28:48Two Blondes Suck And Fuck A Guy05/set/2013
- 26:29Sexy Blonde Pulls Her Breasts Out Of Her Lingerie Top25/feb/2013
- 15:41Super Cute Babe Gets Pounded Hard In A Barn30/ago/2011
- 23:27Crazy Rita Faltoyano Is Focused On Having Her Face Creamed.17/feb/2010


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Rated 3.4 out of 5 by 42 reviewers.
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Rated 5 out of 5 by traveldiva Great for Everyday, but PERFECT for Travel Very soft, super stretch washes well, and packs down to nothing - great for travel. As promised, it does dry overnight once hand washed and hung to dry. I like the one piece/seamless construction as it lays perfectly smooth underneath anything you're layering it with. Great color choices, but BEST is this nice, long tank stays in place, bottom edge doesn't roll up, nor does the tank "ride" up, as I've experienced in lesser quality pieces…making it perfect for layering, For me it's not a wear-alone piece as it's too form fitting, but then that's not what I bought it for. I'm 5'6" and usually wear a small/xs. This lays below hip length on me. I bought simple black and white to try but have now returned to buy more in colors. October 21, 2013
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Rated 5 out of 5 by Allison1 Great tank I bought this tank in grape to wear under a sheer tunic. I was a little surprised at how snug it was given the "one size fits most" description. But, it works so well under a sheer tunic that I bought it in lime and black too. April 11, 2014
Product:30708-Essential Layering Travel Tank


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Kichner Malary Photographer
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About MeI am working to expand my portfolio. I'm open for ideas except no nude. Feel free to contact me. Paid assignments only. Travel if all expenses are paid!
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Secrets Revealed About Disney's Castaway Cay
January 29, 2013 12:58 PM
Diane Lyn
www.facebook.com/dianelyn1019 Email: firstname.lastname@example.com More
Castaway Cay, Disney's private island, has a lot of history. Find out what went on here.
This island was used by Disney for the filming of 'Splash' with Tom Hanks and Darryl Hannah. It also was where Johnny Depp filmed part of 'Pirates Of The Caribbean'. Remember, '20,000 Leagues Under The Sea', the sub is submerged for snorkeling here! Read on to find out the 'hidden' secret behind the island.
This runway was used back in the 1930′s for bootlegging! Nice to know NOW, it's put to good use! You can bike, walk or ride the tram on this historical runway on Castaway Cay. (Pictures below)


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Even though I don't always find the time to post as much as I would like to; I love this site. I love the community that we've created. I love the interactions on the Facebook page. And I love the stories shared by all of you. But there is one little thing that is sometimes hard. Sometimes I find out that old friends, those I knew growing up, are also struggling. In some ways, the familiarity makes it easier for them to approach me with their stories and questions. But my heart aches for them in a different way. While I shed tears for all of you who share your details with me, it really hits close to home when my childhood friends pop up on my radar…simply because of infertility.
Today and old friend shares her story – her happy ending. After years and years and tests and more tests…after pregnancy and loss and fears and bed rest…after ups and downs and in betweens…she finally has her happy ending. Truly – I couldn't be happier.
Please welcome my old friend from Connecticut – I hope her words and story inspire some of you to JUST KEEP SWIMMING.
I'm no expert on fertility but I do have my own story and if it makes just one person feel less alone for even just a minute my smile will be a little bigger today. I hope that person is you!
My husband and I were married in the spring of 2008. About a month before our wedding my dad was diagnosed with cancer. He died almost a year to the day later. I tell you this because it was the main reason we decided to hold off trying to have kids right away. This was a big decision for us since my husband was 37 and I was 33 when we got married. Right after he passed we both decided the time felt right. And so our bumpy road began…
We started trying on our own in 2009 for about 6 months per my OB's recommendations. I wasn't sure how the game was going to play out because I went on the pill in college to regulate my periods. After 6 months with very irregular periods and no pregnancies my OB referred me to the "specialist" in their practice. After a battery of tests I was diagnosed with PCOS. I wasn't surprised knowing my cycle and family history. The next step was Clomid. I took it and went for my first ultrasound. At that point everything came to an abrupt stop when the ultrasonographer advised me to "stay away from my husband unless I wanted to be the next Octomom on the cover of People Magazine". Yes, those were her exact words and no, she didn't have to say them twice. Next stop: a Reproductive Endocronologist. We got a referral and off we went.
Back to square one. Lots more tests and LOTS more waiting. The next part of the story is pretty monotonous: first IVF cycle- FAIL, second IVF cycle- FAIL, third IVF cycle- FAIL, and yes, the fourth IVF cycle- FAIL. All along I kept thinking there had to be something else wrong with me but my doctor kept saying "we just needed to get it right". After our fourth cycle failed we decided it was time for a second opinion . So I gathered up my records and we started all over again.
During the first meeting with our new RE he asked what our doctor had said about the septum in my uterus. I'm sorry, the WHAT???!!! Apparantly the ultrasonographer had written, "question uterine septum" in her notes and our doctor failed to address it. I can't even begin to explain the amount of anger I felt in that moment. My instincts were right all along; there WAS something else wrong with me. What an incompetent a**hole!!!! I had been to hell and back over the past 2 years and it potentially could have been avoided?! After I stopped swearing and wiped my tears I was able to listen to my new doctor's plan: remove the uterine septum and try again. Ok, sounded simple. Can we do it tomorrow? Of course not. Didn't you know that everything in IVF takes twice as long?! Especially for me and my 40 day cycles. So in October 2010 I had my septum removed and then, you guessed it, we had to wait for my uterus to heal. At that point we decided to enjoy the holidays, drink LOTS of wine, do a bunch of skiing and start again after the New Year.
We started our fifth IVF cycle in January and on Valentine's Day 2012 we found out we were having twins. TWINS! Oh my! Of course we always knew it was a risk, especially when we put two blasotcysts in, but we never thought it would come to fruition. After all, I'd never gotten pregnant before.
Next chapter: the IVF pregnancy. By this time I was what they call Advanced Maternal Age (AMA) or as I call it- OLD … 37 to be exact. I chose a new OB who was high risk since I was now old and carrying twins. All was going great. We were lucky, my husband was self employed so he was able to come to all my appointments. At 12 weeks I had my appointment with my OB in the morning and then my ultrasound in the afternoon. Since I worked in the hospital where my OB was it was easy to schedule things like that. I told my husband to only make the drive for the fun part; the ultrasound. During my appointment with my OB she said she wanted to "take a quick peek" at the babies. Ok, cool with me. I'll never forget her face when she told me there was only one heartbeat. It's all kind of a blur after that. After a day or two I picked myself up because Baby A was looking great and I still had a lot to be excited about.
Next stop: the level 2 ultrasound. Look at all the cute baby parts and it's a girl! Yay! Then, in walks my OB to tell us there's a "bright spot" on the heart, also called a cardiac echogenic focus. She said It's one of the many markers for Downs Syndrome. Are you freaking kidding me?! Is this a joke?! Without any other markers, which we didn't have, the risk is very low, but there's still a risk. And then she said because of the demise of Baby B there's no way we could do the blood test to get the exact risk. Our only option was an amnio, which carries a 1 in 200 risk of miscarriage. Go home and think about it. Cue the tears. These tears were the ones I saved up from the miscarriage when I was trying to be all postiive for Baby A plus the tears of having to make a decision to have an amnio. In other words, there were a lot of them. My husband and I had many conversations about whether to do the amnio but what it came down to was I could never forgive myself if the amnio was negative and then I had a miscarriage. Altough the risk for that was low, the way things had gone thus far I was convinced that would have been my fate. So we decided against the amnio and hoped for the best.
Fast forward to week 25. I woke up one morning just not feeling right. I couldn't put my finger on it but something was just not right. If it hadn't been Friday I probably would have blown it off but I lived almost an hour from the hospital and didn't want to drag myself in on Saturday. So, I waltzed down to the clinic to let them know how I was feeling. They did an internal and hooked me up to the monitor. What do you know, I was in premature labor at 25 weeks. I had just bought myself a full ride to labor and delivery filled with steroids, lots of magnesium and antibiotics. All I kept thinking was after all this I could not have this baby at 25 weeks. It was way too early. She wasn't cooked enough. Thankfully they were able to stop the labor but I'd be going home to bedrest for the next 15 weeks.
My OB said my ultimate goal was 37 weeks and after that this baby girl could come whenever she was ready. Well 37 weeks came and went and I was still pregnant. Now, I live in New England where we have a few hot months a year so central air conditioning doesn't exist. At least not in my house. So by 37 weeks, in my hot as hell house, I was past ready to have this baby girl. And sure enough at week 39, in the middle of the night, my water broke. So off we went to the hospital. Here's the irony of this whole story: after being on bedrest for 15 weeks I had to be induced. Ha! After a much needed epidural and 16 hours of labor, on October 23, 2012, our healthy, beautiful girl, Caroline, was born.
So here I sit writing to you. I'm not going to lie; it wasn't easy. It was 4 years of heartbreak and physical pain. There were so many days I cried thinking it was never going to happen. All my friends were having their second and third kids and I was still trying to have one. There were lots of pity parties in my house and if you wanted to come you'd better bring red wine, and lots of it! It got to the point where friends didn't know what to say to me anymore so they stopped saying anything at all. There were many days I felt like my husband and I were on an island and I wondered where all my friends went. I felt like they just didn't understand.
I certainly don't have all the answers. I can tell you that when I wake up to my beautiful girl smiling at me every morning I know it was all worth it. I equate it to labor amnesia; I remember it was horribly painful but I don't remember the pain I felt when there was a hole in my heart. Only that it was there. Perhaps that's what will make me do it all over again….someday.
It will all feel like too much sometimes because it just is. And on those days when you feel so alone try to remember that you're not. Sometimes the most comforting words come from someone you've never met through blogs. So stay strong, trust your instincts and forgive yourself for whatever it is you're feeling. You can do it.
Thank you, my sweet friend. May motherhood be all that you hoped for and then some. xoxoxoxoPin It


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"Improving Life through Service"
Building 2300 - Second floor | Telephone (510)723-6912
AmeriCorps is the national service movement that engages thousands of Americans
of all ages and backgrounds in a domestic Peace Corps - getting things done
across America by meeting our education, public safety, environmental and human
needs. In exchange for a year or two of service, AmeriCorps members earn educational
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GI Bill and the Peace Corps.
AmeriCorps at Chabot College offers a one year comprehensive program combining
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school settings. Learn and serve at Chabot College; earn an educational stipend
of $1,250. Join us now and make a difference in the community!


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Each day, the Mississippi River dumps into the Gulf of Mexico millions of tons of animal waste from Midwest factory farms and animal feed croplands. The nitrates in animal waste and fertilizer runoff produce vast algal blooms that suck up oxygen from the water, killing all marine life. The pesticides seal the deal. According to Wikipedia, the resulting "dead zone" extends over 8,500 square miles, roughly three times the size of the BP oil slick.
We react dramatically to unanticipated threats like the BP oil spill and accidental deaths. Yet we tend to accept and tolerate the much more damaging, but routine, threats from animal waste discharges and deaths from killer diseases linked to meat and dairy-laden diets.
Miles Barne, Sharon Park Drive, Menlo Park


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CRASR ResearchAquatic Chemistry and Ecotoxicology
Bryan Brooks (Department of Environmental Studies) directs interdisciplinary research in aquatic chemistry and ecotoxicology in collaboration with Dr. C. Kevin Chambliss (Department of Chemistry and Biochemistry, Baylor University) in the Center for Reservoir and Aquatic Systems Research.
Lake and Reservoir Productivity
In the limnology program at Baylor, we are investigating factors that govern rates of production among bacterio- and phytoplankton in lakes and reservoirs. These factors include suspended clay, dissolved oxygen and the structure of the predator community.
Riparian Ecology
The role of vegetated riparian buffers in terms of reducing upslope inputs into streams is well characterized. However, research conducted at Baylor indicates a secondary function of riparian corridor related to indirect extraction of streamwater under specific conditions. Woody plant growth adjacent to perennial streams decrease soil water relative to stream elevations thus inducing lateral flow of water into banks during drought periods. Investigation of tree physiology utilizing thermal dissipation probes and isotopic measurement of tree cores coupled with detailed soil, ground, and stream water information paint a picture of a complex water budget in which trees take up water from streams. This invites future work on whether woody material may reflect past water pollutant materials such as pesticide and pharmaceutical compounds for which the flux and concentration may be extracted from current research.
Spatial Research
The Center for Spatial Research is made up of an interdisciplinary team of scientists who utilize spatial analysis in advanced research and development as well as educational activities.
Watershed Modeling
Models of watersheds, wetlands, and water bodies provide insight into potential processes of interconnection, limiting factors, and areas for research. By incorporating spatial information about watershed morphology, soil, vegetation, reservoir bathymetry, the ecological processes of aquatic systems with their associated terrestrial inputs is given context and perspective.
Lake Waco Wetlands
Water is of central importance to humanity and among the earth's most precious resources. Because water is integral to all life processes, there are no alternatives that can substitute for it, and water affects every aspect of human existence.


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MORGANTOWN, W.Va. -- West Virginia University researchers are working with the FBI to build up a database including fingerprints, eye and facial images.
For the second year in a row, WVU researchers in computer sciences are working with the FBI to gather information about biometrics, including facial shapes, fingerprints, and even audio and video samples.
Research Assistant Professor Jeremy Dawson says his team is looking for 1,000 people to participate. Participants go through a series of sensors that capture those facial, iris and fingerprint images. For face recognition, they have to make expressions, like anger and disgust.
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text: Busted! Celebs With Crack in Public 4/7/2008 6:40 PM PDT BY TMZ STAFF There's nothing better than spotting your favorite celebrity -- then getting a double serving of their butt cheeks with a side of crack salad. Welcome to the dark side! See Also Pick a Winner! Mary Carey -- Busting Out! Get TMZ Breaking News alerts to your inbox Yes! Also send me "In Case You Missed It..." By clicking "Submit," you agree to the Privacy Policy and Terms of Use. >


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By Eric Maze. CREATED Dec 7, 2013 - UPDATED: Dec 8, 2013
LEHIGH ACRES, Fla. -- The Lee County Sheriff's Office says alcohol may have played a role in a crash that claimed the life of a man on a motorcycle.
The accident happened Friday just before midnight near the intersection of Alabama Rd. and Cherokee Ave. in Lehigh Acres.
Investigators say Donald McClain, 55, of Lehigh Acres was driving southbound in the northbound lanes of Alabama Rd. when he ran into the path of a northbound vehicle. McClain was ejected and died at the scene.
The driver of the car, Justin Tyler, 17, of Lehigh Acres sought medical attention for minor injuries.
The investigation continues.
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Registration takes less than 1 minute.
In a separate action, warehouse workers began a strike Tuesday morning against California Cartage warehouse in Los Angeles.
With railroads not able to meet the December 2015 compliance deadline for positive train control, an extension is needed, according a letter sent to every member of the House Transportation and Infrastructure Committee this week.
Rep. Stephen Fincher, R-Tenn., introduced a bill that would restore Ex-Im Bank's operations and include various reforms, but will require a "discharge process" to reach the House floor for a vote.
TOTE says "While this reflects that the ship was caught in rough seas and extreme weather, it is in no way indicative of the ship's fate."
The company's minority investment in e-commerce specialist Ally Commerce Inc. is more about research than revenues, according to Rimas Kapeskas, head of UPS's strategic enterprise fund.


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Our Locations:
Corner of Ridge & Hohman, Munster (219) 836-0007
Across from Fairgrounds Park, Valparaiso (219) 477-5799
Welcome to The Great Frame Up
Warm and cozy, sleek and urban, or forever classic. No matter your preference, let our custom framing professionals help you express your style. We can find the perfect design for anyone. Our knowledgeable staff of experts is extensively trained to assist you in capturing just the right custom frame design to complement your room, your lifestyle, your budget and even your personality.


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Planning a 1st Birthday Sweet Table
We have a super cute pink and mint first birthday sweet table in the works for a very lucky little girl. We've been inspired by a bunch of great sweet tables we have found on Pinterest. We can't wait to share the final product with you but until then we will share some of our inspirations.
Don't forget to follow us on Pinterest!
Sources: 1. Sweet & Saucy 2. Amy Atlas 3. 100 Layer Cakelet 4. Amy Atlas
Check back for the final result,


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Charlie Sheen Has a Message For Us
February 4, 2011 11:53 AM
E! News, amongst others obviously, have been hounding Sheen here recently about his in-home rehab. Dying to get the scoop on the Sheen 411. And yesterday, Mr. Sheen responded via text message, with this…
True story. Well played Sheen, well played.


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ICEL director foresees more use of music in Mass
Catholic World News - August 31, 2010
Speaking recently at a conference in Atlanta, Georgia, the executive director of ICEL (the International Commission on English in the Liturgy) spoke on liturgical music, and the prospects for "singing the Mass" rather than merely "singing at Mass."
The New Liturgical Movement has obtained the full text of the talk by Msgr. Andrew Wadsworth. Readers will quickly recognize—if they did not already know—that ICEL today is very different from the organization that produced liturgical translations of a decade ago.
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BWC Daily Benefits Conditioner is a natural, plant-based formula that restores your hair's soft lustre, healthy shine, and manageability. Nature's revitalizing botanical conditioners combined with natural plant proteins and select vitamins moisturize, protect, and add body to each hair strand while helping eliminate static fly-aways and reduce frizz. Pure organic aroma-therapeutic essential oils help repair, strengthen, and condition you hair for a fresh, no build up, natural look. Your hair will be silky smooth, bright, and healthy after every treatment. For extra daily protection use BWC Leave-In Conditioner.
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University Camps
Rating: 4.96 stars 26 reviews
Issues: Children & Youth, Sports
Location: 900 Hilgard Ave Ste 301 Los Angeles CA 90024 USA
Target demographics: UCLA UniCamp serves low -income and foster care youth throughout Los Angeles.
Direct beneficiaries per year: Approximately 1,000 Campers per year
Geographic areas served: Los Angeles
Programs: W.A.L.L. is a co-ed group of diverse teenagers from highly urban areas of Los Angeles, led by an Outdoor Recreation Specialist/Guide, and 2 UniCamp W.A.L.L. Counselors who have each completed over 100 hours of training each. It teaches participants teamwork and perseverance throughout a physically and mentally demanding 4 day, 26 mile hike to the peak of San Gorgonio in the San Bernardino Mountains. Participants are given responsibilities during the hike that help them build leadership and outdoor survival skills, in addition to an overarching theme of environmental awareness and conservation. Upon returning from the hike, W.A.L.L. campers use their newly acquired skills to mentor and serve as role models to the younger campers.
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Scoop's Journey Home
By Tressa Lucas
October 27, 2009
They both experienced loss and heartache - a dog who thought he reached the end of his life and a couple who lost one of their beloved dogs unexpectedly to death. They have finally come together and filled the empty hole in each other's heart.
While volunteering with C.A.R.L. (Canine Adoption and Rescue League), I got to know Scoop. He was a sweet Australian shepherd with a big smile and a silky white coat. Even after experiencing so many challenges, he was still a happy and loving little guy. Scoop's inquisitive look revealed his intelligence and sensitivity. Unfortunately, he is deaf and blind in one eye qualities most people do not look for when adopting a dog.
Scoop was rescued from a county shelter by C.A.R.L.
The volunteer that "Scooped" him up was told he was left with a sign around his neck, "Please euthanize this dog." He was brought into C.A.R.L's Project Second Chance program. Scoop definitely needed a second chance. While there, he received love, support, and time from the volunteers and staff. Had he not been given this opportunity, like so many other dogs, he would not be here today.
Every weekend at the adoption center, Scoop watched people through the kennel gate, hoping they would take him home. He had been waiting patiently for over a year. At first glance, people would show interest, stop, read his bio, and then quietly continue on to the next dog. One Sunday, I heard a potential adoptor say, "That dog is never going to be adopted!" Scoop turned around and curled up in the corner of his kennel. My heart grew heavy. But, not long after that he would enter a new chapter in his life.
The Good Day LA morning show in Los Angeles does an Adopt A Pet spot. I take homeless dogs there occasionally. One day, it was decided Scoop would go next. Admittedly, I had reservations about him getting any calls. But, he actually received some good calls and the last call was THE one.
Stacey and John sounded very special. They had the heart for rescuing dogs, particularly those with special needs. They spent a year rehabilitating one of their dogs, Buddy. For the last year, they were grief stricken by the loss of their Irish Wolfhound, Jack. "No more dogs, we can't go through this again," they kept telling each other. They still had their two rescues, Reese and Buddy, yet something was still missing.
"My normal routine for the last twelve years is watching Adopt A Pet while getting ready for work" said Stacey. "When I saw Scoop, I Tivo'd it, but didn't show it to John for a few days." When John saw Scoop, he said "Call immediately!" They could not consider the possibility of adopting another dog until they saw Scoop! They, too, were about to enter a new chapter in their lives."
The following weekend, Stacey and John drove from Long Beach to Ventura with Reese and Buddy to fully embrace Scoop into their lives. "We were meant to bring Scoop home and love him," said Stacey. These are not just special people; they are extraordinary people who radiate love and compassion. Scoop could not have found better people or a more nurturing home. They found something wonderful with him, as well. "We needed Scoop more than he needed us each dog that comes into your life brings you something different," said John and Stacey. He opened them up to adopting again.
Now, when Stacey and John pull into their driveway, Scoop is standing at the big picture window in front of the house, between Reese and Buddy, with that big smile on his face a very happy ending and new beginning, indeed.
Thank you to everyone involved with this very special rescue and adoption. There were many helping hands during this process. To C.A.R.L. for saving Scoop and giving him the time and support he needed to find the right home. To the volunteers and staff for giving him compassion, love, and lots of walks! To Good Day LA for providing the venue for Scoop to be seen by a wide audience that is how this amazing connection was made. To Stacey and John for opening their loving hearts and home; for having the courage to take the step and make the call. Scoop could not have found better parents. Although it took a long time, it was worth the wait!
Scoop's journey home is a reminder to never give up and never lose hope Good things do come to those that wait.
For those interested in learning more about C.A.R.L.'s Project Second Chance program and supporting its' mission, please contact 805 652 1001 or visit the website WWW.CARLVC.ORG
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