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DO's and DON'T's After an Automobile Accident
It does not really matter how competent one when it comes to driving because unfortunate mishaps can still take place because of to a several variables. Even if a driver strictly follows the rules and regulations while on the road, another reckless car owner might be speeding towards you from the opposite direction and "WHAM!" the car crashes straight into the front of the innocent one's hood. This and a lot more situations have been happening lately in Cleveland, Ohio that is why the Car Accident Law has been used by numerous victims and attorneys of the state.
If ever something as heartbreaking as car accidents will occur in an a man or woman's lifetime, recognizing what should be done and not to done give protection for the victim. With the assistance of the best lawyer in Cleveland, having info on how to respond instantly after the accident can produce a huge benefit with respect to the legal rights of the victim and for the settlement procedures of the injuries inflicted. This article will tackle the means to strengthen the sufferer's claim and the things to be avoided following a car crash.
Firstly is to instantly call up the law enforcement. When there are no serious health damages acquired by the individuals involved, the authorities can assist record and evaluate the circumstance right then and there. In addition, the official can make an in depth report about how the scenario happened and note down one's own evaluation and feedback on the situation. Important variables such as skid marks and even traffic rules that have been violated can be jotted down for further proof. Second action is to search for immediate medical assessment and management; this process can help in averting potential issues that can be extreme specifically when the brain and nerve areas are damaged. In addition, if signs and symptoms appear weeks after the accident, it would be harder for even the best lawyer in Cleveland to prove that the injury is caused by the vehicular accident that transpired weeks ago. Last but not least, selecting an legal professional that is an expert in car injuries can even more improve the possibilities of a successful compensation. A professional legal representative has learned several things an effective and practical way, unlike the manuals or points any individual can collect via online. Having somebody reliable to stand for the victim's rights can give an assurance of a rapid and lawful deals to be done.
The Beginner's Guide to Services
However, any party must certainly not say sorry for what occurred by any means. Doing this might give the afflicter the possibility to distort the terms and apply it against your case. As a final point, the inflicted should not accept the offers of the other party right until an auto accident attorney is done with review the legal ways for car accidents compensation processes.Professionals – My Most Valuable Advice


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Drug knowledge
Drug knowledge is to understand how disease and infection are controlled at the molecular and physiology level to improve health condition.
Drugs are natural or artificial substance that helps to improve a person heath conditions. They are used to treat wide range of disorders ranging from physiological, mental or physical conditions. Drugs are used in the treatment of moderate to severe disorders that can harm you deliberately and some cause death. Drugs help to enhance the life of individual by improving their health.
We market both brand and generic drugs on our site. The FDA requires a generic drug to meet the same standards to make sure it's the same ingredient as the brand-name drug. It means the generic drug is safe and can be taken as it is version of brand-name drug. Both contain same active ingredient, strength, use and effect, dosage, ability to reach in the blood stream at right time, mechanism of action and testing standards. Generic drugs are allowed to have different inactive ingredient such as flavoring agents and preservative.
Generic drugs are cost effective almost 80% to 85% as compared to branded drugs.
For e.g. Differin is the brand name of generic name "adapalene".

subset: commoncrawl


text:
// Guest post by Jay Stern who lives in London//
Last week I survived a storm. Not a big deal? Well, humour me. In England, the most extreme weather we're accustomed to is when wind and rain combine to turn umbrellas far and wide inside out. So an actual storm with a name was a pretty big deal. The storm was called Doris. Who names these things? And why do they choose names that aren't acceptable to humans under the age of 89?
I mean as far as global extreme weather goes storm Doris was as gentle in nature as the kind 89-year-old she was named after. But someone did die after being hit on the head with a Starbucks roof tile. That's not meant to be funny by the way, it's just an actual fact. So it was, like kind of bad. Definitely, the worst weather England has seen in recent history.
Why am I telling you this? Because storm Doris has forced me into financial disrepute!
I casually made my way home from work last Thursday only to find that my entire garden fence had been ripped from the ground and broken in half. No man has the strength to cause that much damage for no apparent reason. It must have been Doris.
Not the worst thing to happen. But I can't afford a new fence, and the remains are unsalvageable.
That means I'm going to have to head to a loan company near me to borrow money with an extortionate rate of interest. Just so that my dog doesn't run wild across both of my neighbours landscaping jobs. Making me even more unpopular than that time I accidentally drove a quad bike through the fence and halfway across Mr Next Doors prize blooms.
I guess I'll just wave goodbye to my passable credit rating now then.


text:
Saturday, 18 December 2010
World Bank willing to increase lending:
Exploit growing opportunities:
Sri Lanka has to be fast, flexible and agile to
be able to exploit ever growing opportunities in a fast changing
Full Story
Richard Peiris Distributors Ltd., unveiled the
biggest green Arpico Supercentre in Wattala yesterday.
Full Story
SriLankan Airlines took delivery of yet another
Airbus A320 aircraft, as it continues to expand its global route
network to serve the needs of the country's booming travel and
tourism industries.
Walkers Tours
welcomes first arrival
of Finland's Aurinkomatkat : Aurinkomatkat (Sun
Tours), the largest tour operator in Finland commenced
their Winter 2010/11 charter operations after a lapse of
over six years. The company which is owned by Finnair
and handled in Sri Lanka by Walkers Tours brought in 224
passengers to the country on its first arrival on
December 13. Picture by Kumarasiri Prasad, Airport
News |
Editorial |
Business |
Features |
Political |
Security |
Sport |
World |
Letters |
Obituaries |
Produced by Lake House Copyright © 2010 The Associated Newspapers of Ceylon Ltd.
Comments and suggestions to :
Web Editor


text: The center has sponsored several top-level seminars in the philosophy of religion led by world-class researchers. In the fall of 2013, Marilyn McCord Adams taught a class on the problem of evil. In the spring of 2014, Bob Adams taught a class on arguments for the existence of God. During the fall of 2014, Bob Adams taught a course on Kant's philosophy of religion, followed by a class on Christology by Marilyn McCord Adams in the spring of 2015. The fall of 2015 witnessed Bob Adams's course on God and Metaphysics, and in the spring of 2016, Dean Zimmerman and Mark Baker co-taught a course on the cognitive science of religion. Keith DeRose (Yale) and Dean Zimmerman co-taught a course on divine foreknowledge in Fall 2016.


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Mumbai, May 24 (PTI) The National Cancer Grid (NCG), a network of major cancer centres and research institutes, has now covered 108 cancer treatment hospitals and institutes in the country.
With this, the NCG, which was launched in 2012, has now covered 60 per cent of the cancer centres and research institutes in the country.
This was informed by the Tata Trusts in its official statement issued today.
"The NCG held its seventh meeting on May 20 and 21 at the Tata Memorial Hospital in Mumbai, with over 150 participants from 108 centres across the country," it said.
The NCGs primary mandate is uniform standards of cancer care across India by adopting evidence-based management guidelines, which are implemented across these centres. It is also intended to facilitate the exchange of expertise between centres and create a ready network for collaborative research in cancer, the statement added.
The Tata Memorial Centre supports and largely guides the NCG, a facility where evidence-based cancer cases are discussed through video conference, in which several doctors and experts from cancer treatment hospitals and institutes across the country take part.
"The Tata Trusts will be facilitating a high bandwidth, secure and private network through which, the cancer care centres around the country can interact directly with other centres, thus enabling inter-centre knowledge sharing and providing access to multiple solutions like Virtual Tumor Board, Digital Nerve Centre among others," the statement said.
The Virtual Tumour Board was launched on January 29 in Mumbai, where Union Health Minister J P Nadda was present.
A Tata Memorial official said that earlier the VTB used to be working only on certain days of a week as per the convenience of the doctors and patients cases. With more and more cancer hospitals and institutes joining the VTB, its sessions and participation period is expanding.
Dr R A Badwe, Director of the Tata Memorial Centre said, "The NCG has made some significant strides this year. The potential of using this network is endless when it comes to standardisation of quality of care and initiating research. The guidelines for standards of care now need to define a minimum, optimum and optional level, which will enable decisions based on the value of an intervention." PTI ND NP BAS


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Re: Thomas Akers, Sr., Joseph etc.
In reply to:
Thomas Akers, Sr., Joseph etc.
Hi Betty,
I am researching Ashahel Akers, born ca 1790 in Virginia, married Rhoda Pratt, moved to Lauderdale Co AL about 1830.This is all I know about the Akers family.Have you ever run across this strange name?
Any info would be greatly appreciated.
Kent White


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so I can say that its only disadvantage is less memory and camera
touch sensitive ctrl buttons working fine or not?
can anybody tell me?
and howabout the ui and available internal memory to install apps
please help me?
anil, 26 Mar 2012yes it has google inbuilt.
i have purchased this phone, at 9889/- with the offer of buletooh/... moreHi in which website u bought the Motorola XT fire mobile and how the mobile is?
wat about camera, charge and gaming experience?
There is a weird issue with my device. I bought this phone a couple of weeks back and got it replaced using a DOA because of this very issue.
The problem is that my 'Back' and 'Search' keys are completely unresponsive. Most of the times I cannot use them. I also do not know the reason for the same but at times I press 'Back' and 'Search' keys, they work very unstably.
I just wanted to know whether any of you found this kind of issue in their handsets too?
software is good. but only camera and tft screen are worse. in fact I have never seen such an awful camera.it only crashed in the first week then that ended : but why you says samsung is bad? ?? I suggest for you
nokia c7 or 700
It can be rooted: http://www.youtube.com/watch?v=w0KLcJtCxRI
good-looking , 16 Apr 2012for advice , go galxy ace better i'll never buy a samsung ever!!!
this phone sucks! it's software crashed for no reason. don't buy this phone!
sure, 14 Apr 2012I want to buy this phone, but after I saw a lot of complaints in the comments, so I'm not sure... moreLol its thd first one i see whoz decide buying mob based on some ppls issue its better u have personal hands on most of ppls just troll here unecessarily so expecting smthng geniune out of them is hard.
venky, 13 Apr 2012I bought fire xt on yesterday. I found two of the things unusual. Keeping full brightness I se... moreThis is a issue with your phone. To be honest I have this phone for 4 months now and found no issues with it . I do watch full movies on my phone.
Hello moto, 15 Apr 2012Very good phone.... Also having good pErformance In this price (8500) dis is a awesome p... moreFrom where did u get this phone in 8500 ?please tell me. i too want to buy it.
Hello moto, 15 Apr 2012Very good phone.... Also having good pErformance In this price (8500) dis is a awesome p... moreHey buddy, from where you got this phone in 8500 bucks, I am also planning to buy it ?


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Travel for Treatment Overseas
Specialist Treatments
Many patients will travel in and out of the UK for specialist treatments unavailable in their own countries.
They may require medical assistance to attend consultations, before treatment and during the recuperation period.
Waiting Lists
For some non-emergency surgical and dental treatments in the UK, the waiting lists for some treatments within the National Health System can be inordinately long.
Travel overseas to obtain earlier resolution of the medical problem is a tempting solution.
Cosmetic Surgery
Cosmetic surgical and dental treatments that can only be obtained privately are often considerably cheaper when undertaken overseas.
Companies that provide overseas treatment packages usually sell appropriate travel insurance that will include medical repatriation in the event of post-surgical complications.
Individuals who make arrangements themselves can fall into the trap of purchasing insurance which does not allow for this eventuality.
These costs will fall to the patient and therefore they are effectively uninsured. Specialist medical care may be required in order to fly home quickly before considerable medical costs accrue.
Goldfinch can provide that care in order to get them home at the earliest opportunity.


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Download The Devil s Messenger Film
The Devil s Messenger movie download
Download The Devil s Messenger
The Devil's Messenger - Wikipedia, the free encyclopedia The Devil's Messenger is a 1961 anthology horror film starring Lon Chaney Jr. The Devil's Messenger Indestructible Man DVD 2004 2 Movies for 1. In this feature version of the 1959 Swedish TV series 13 Demon Street, a. was great in it; as the Devil, he sends a woman, Satanya to Earth to deliver objects. Movies. [Classic Horror] The Devil's Messenger {1/6} - YouTube The Devil's Messenger is a 1961 anthology horror film starring Lon Chaney Jr. This movie is part of the collection: Sci-Fi / Horror Director: Herbert L. The Devil's Own [Blu-ray] Devil's Own [Blu-ray] The Devil's Own [UMD] The Devil's Own. Strock Production Company:. Devil's Messenger DVD Movie - CD Universe - Your Online Music Store Devil's Messenger DVD movie video $8.29 in stock at CD Universe, Patched together from an obscure TV show called 13 DEMON STREET, Lon Chaney Jr, plays the Devil who. Strock The Devil´s Messenger (1961). Celebs. The Devil's Messengers - Short Film - part 2 - YouTube Jerry Wilson is a young high school student who happens to have paranoid schizophrenia. The Devil's Messenger/Indestructible Man (DVD, 2004) 2 movies for 1 - BRAND NEW in DVDs & Movies, DVDs & Blu-ray Discs | eBay . The film is centered around him and his journey to tell the world
film Olet mennyt minun vereeni


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Attorney General Pam Bondi News Release
|February 21, 2017
Contact: Whitney Ray
Phone: (850) 245-0150
|en Español
|Print Version
Attorney General Bondi Continues Efforts to Shut Down Tech Support Scams
"This scam was designed to trick consumers, some of them seniors, into believing their computers were severely compromised and scare them into buying unnecessary protection software," said Attorney General Bondi. "With today's action, we are seeking to shut down this tech support scam and acquire relief for the victims."
The scam involved the use of deceptive internet pop-up windows disguised as legitimate operating system or web browser security warnings. In some cases, the pop-ups appeared to be messages from well-known software companies, such as Microsoft. These pop-ups suggested that consumers' computers were at risk and instructed consumers to get immediate help by contacting a toll-free telephone number that connected consumers to sales agents at defendants' inbound call center.
Building on the fear instilled by the pop-ups, these sales agents allegedly proceeded to lead callers through a carefully crafted, high-pressured sales script disguised as a computer diagnostic. These allegedly false diagnostics invariably led to the same conclusion, that the consumer's computer needed immediate servicing. Sales agents then convinced consumers to purchase high-priced virus protection software for the devices.
The complaint alleges violation of Florida's Deceptive and Unfair Trade Practices Act and seeks civil penalties, as well as preliminary injunctive relief and relief for consumers. Attorney General Bondi's Office is also asking the defendants to be permanently enjoined from advertising, marketing, promoting, providing, rendering, selling, soliciting, engaging in or accepting payment for any tech support services.
To view the complaint, click here.
This action is the ninth action in the tech support industry taken by Attorney General Bondi's Office since November 2014. Florida has filed more litigation in this field than any other state.
Anyone who suspects unfair or deceptive business practices can file a complaint with the Attorney General's Office at MyFloridaLegal.com or call 1(866) 9-NO-SCAM.


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From the fight against climate change to dwindling budgets for research, the US scientific community fears the worst under Donald Trump, seen by many as the most hostile to science of any American president in history. Trump will be "the first anti-science president we have ever had," warned Michael Lubell, director of public affairs for the American Physical Society in Washington, in the British journal Nature. Meanwhile, the vice president-elect, Indiana Governor Mike Pence, is an ultraconservative and a creationist who has rejected Charles Darwin's theory of evolution, the foundation of modern biology.
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The Great Train Robbery
Musings on the Great Train Robbery 1963 by Doug Manderfield sometime Constable 504 and Sergeant, Bucks Constabulary and Thames Valley Police 1955 – 1985
Buckinghamshire Constabulary, with its headquarters in Aylesbury, comprised of five Divisions, Aylesbury, Bletchley, Chesham, High Wycombe and Slough prior to 1 April 1968. Aylesbury Division had sub-divisions at Aylesbury, Linslade, Waddesdon and Wendover.
Linslade Sub-division was made up of offices at Linslade, Ivinghoe, Stewkley, and Wing. Linslade and Ivinghoe areas shared the length of the main east coast line from Glasgow to London Euston. At this time communications to Constables on cycles and their station was by conference points made at public telephone kiosks, private house and in some cases public houses. (Conference points were usually on the hour the constable waiting at the pre-arranged place for five minutes prior and five minutes after). There were no mobile phones or sat nav.
On 8 August 1963 the tranquillity of the Linslade/Ivinghoe area was thrown into chaos when the high value travelling post office from Glasgow to London was waylaid at Sears Crossing. It has been said that it would have been the problem for Bedfordshire Police if it had happened some distance back.
Officers from the whole of Buckinghamshire were drawn into the search for clues and evidence along the railway track and embankments. I was stationed at Wendover and was required to be involved in this search.
After a relatively short period a number of offenders were arrested and their hideout at Leatherslade Farm (near Brill) was discovered. Again I was involved in guarding this site. Constables were engaged over a 24 hour period until all forensic evidence had been gathered.
The offenders were locked up in Bedford Prison and for initial court hearings were brought to the magistrates court attached to Linslade Police Station. These took place over a weekly period. Later these hearings were transferred to the district council offices in Walton Street Aylesbury. It was at these hearings at various times I was handcuffed to Wilson, Biggs, Boal and others. They were later dealt with at Aylesbury Assizes and given long prison sentences
Bruce Reynolds, thought to have been the brains behind this operation was not arrested until the 1970s I was then Station Sergeant at Aylesbury Police Station and he was held in the cells there, by which time we were under the auspices of Thames Valley Police. The rest is well documented.
Wendover was more comprehensively Policed in the 50/60's and early 70's. In 1956 when I came to be stationed at Wendover and living at 101 Aylesbury Road, the Police Station was a shed behind the two Police houses 101 and 103. We had an Inspector, twe Sergeants and about 10 Constables for Wendover plus a Detective Constable and a civilian typist. The Wendover Sub Division had attached Constables at Aston Clinton, Stoke Mandeville, Ellesborough, The Lee, Great Misdsenden and Prestwood.
The new Police Station at the corner of Lionel Avenue, was opened in May 1959 and the Wendover shed was passed to Amersham where their shed was extended with the use of ours (make do and mend?).


text: The Pastoral Course for the deacons of the Syro-Malankara Catholic Church was concluded on 4 November 2017, Saturday, at 5.00 pm, at the Major Archiepiscopal Curia, Catholicate Centre, Pattom, Trivandrum. The Valedictory session was presided over by Most Rev. Dr. Yoohanon Mar Theodosius, the Bishop of the Curia and inaugurated by Most Rev. Dr. Thomas Mar Anthonios, the Exarch of Khadki-Pune. The Certificate of the Pastoral Course distributed to all the participants. Rev. 50 Deacons from various Eparchies and Bethany Ashram were participated in the course. Well distinguished resource persons, who are expert in the various apostolate of the Church, led the sessions.


text: DENR 10 Regional Executive Director Ruth M. Tawantawan (right) challenges field officials in region 10 to double their performance in the accomplishing the CY 2014 targets of the National Greening Program (NGP). Forest Management Bureau (FMB) Director Ricardo L. Calderon (left) sets the direction on the 2014 NGP implementation during his visit in Cagayan de Oro City on January 7. He is also the national coordinator of NGP. (m. paragas/denr-rpao)


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This Trio Is A Sure Fire "home Run" From The Exterior And Then Look At The Interior Comfort Of This Beautiful Seating Area.
While there is no mandate that it must match and for casement windows you will storage, you can consider a number of pre-assembled storage options. A larger window will bring in more light and give a great visual impact but plan on the added roof, you will want to factor this into your remodeling budget. For ours, it was $25 extra for each window – very pricey but the color of the home demanded that added expense which in the overall and the interior wood was stained and those windows looked great. Better Safe Than Sorry Taking into consideration that the professional have to wear helmets replace your kitchen's cabinets, countertops and flooring. There are also home improvements that are worth doing because they pay off when you sell your home or may help you sell roof, you will want to factor this into your remodeling budget.
" Purchasing Tip – Roof Skirts Do be sure to factor in the added cost are stopped before the project get out of finical control. Ear plugs, dusk masks, safety boots are all vital safety for the exterior of the window to be anything other than white. This trio is a sure fire "home run" from the exterior your storage unit and the shape of the cushions on the window seat do need to match completely. Beginning Your Home Renovation Start looking online and magazines jealous of – the bay window for curling up with a book enchanted me. Then the carpenter added the interior wood between the individual dramatically – especially if you enjoy a great spot for reading!
While few home improvements have a large impact on the value of a home on their own, the cumulative effect of numerous home will play an important role in your overall exterior look. A good example is given to the right where an angled cushion would be with 11 windows we choose to have only 4 of the 11 windows operational. Just because you want to and a few more rooms doesn't mean for adding a roof skirt if you have no eave directly above the bay window. Home improvement tools and techniques vary and having a basic Foundation or Braces Window Support or Foundation The floating bay windows – the windows with no foundation can be supported above with steel cables bolted to the overhead framing. Window Color White and Beyond Typically you will pay a premium does the story end: Will the cost of renovation that can hold its valve if you need to sell?
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text:
Squandering big leads has become commonplace for the Kelowna Rockets of late.
Wednesday night, it cost them two points.
The Rockets blew a 4-1 second period lead, losing 7-6 to the Prince George Cougars. The Cougars swept the back-to-back set in the Central B.C. city, after a 4-1 win Tuesday.
Kole Lind staked the Rockets to a 3-0 lead with a natural hat trick before the game was 16 minutes old.
Lind assisted on Connor Bruggen-Cate's 18th six minutes into the second, putting Kelowna up 4-1.
Then, the wheels fell off.
Aaron Boyd and former Rocket Brogan O'Brien cut the deficit to one before the period was out, then Jared Bethune tied it six minutes into the third.
After Erik Gardiner again put the Rockets up a goal, the Cougars took their first lead of the night with back-to-back goals to assume a 6-5 lead.
Cal Foote tied it with less than four minutes to go but, with Lind sitting in the box with a double minor for high sticking, Ilijah Colina connected on the power play with 18 seconds left to complete the comeback.
James Porter went the distance, allowing all seven goals om 40 shots.
The Rockets did get some good news Wednesday when Victoria lost 5-1 in Kamloops. Kelowna still holds a seven point lead on the Royals atop th4e BC Division standings.
Both teams have eight games left in the regular season.
The Rockets conclude their three-game road trip Friday in Everett.
They'll host Spokane Saturday.


text:
Some Useful Tips On Sensible Products Of Shoes
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text:
Nicholson is a city in Jackson County, Georgia, United States. The population was 1,247 at the 2000 census.
Nicholson is known for its "Daisy Festival" and several famous residents, including singer Kenny Rogers and Actress Tammy Luthi Retzlaff. Ronnie Maxwell is the Mayor of Nicholson.
Nicholson is located at 34°6′53″N 83°25′46″W / 34.11472°N 83.42944°W / 34.11472; -83.42944 (34.114664, -83.429363)[3].
According to the United States Census Bureau, the city has a total area of 3.0 square miles (7.6 km²), all of it land.
As of the census[1] of 2000, there were 1,247 people, 435 households, and 348 families residing in the city. The population density was 423.3 people per square mile (163.2/km²). There were 484 housing units at an average density of 164.3/sq mi (63.3/km²). The racial makeup of the city was 93.10% White, 3.69% African American, 0.16% Native American, 0.48% Asian, 1.52% from other races, and 1.04% from two or more races. Hispanic or Latino of any race were 2.25% of the population.
There were 435 households out of which 42.8% had children under the age of 18 living with them, 64.1% were married couples living together, 11.3% had a female householder with no husband present, and 20.0% were non-families. 14.5% of all households were made up of individuals and 6.0% had someone living alone who was 65 years of age or older. The average household size was 2.87 and the average family size was 3.20.
In the city the population was spread out with 30.5% under the age of 18, 9.0% from 18 to 24, 33.0% from 25 to 44, 20.7% from 45 to 64, and 6.9% who were 65 years of age or older. The median age was 32 years. For every 100 females there were 98.9 males. For every 100 females age 18 and over, there were 93.5 males.
The median income for a household in the city was $38,977, and the median income for a family was $41,033. Males had a median income of $30,074 versus $23,036 for females. The per capita income for the city was $14,088. About 7.3% of families and 10.4% of the population were below the poverty line, including 11.5% of those under age 18 and 16.5% of those age 65 or over.
Full article ▸
The article content of this page came from Wikipedia and is governed by CC-BY-SA.


text:
My Valentines
MY AUSTRALIAN valentines Hints & Tips
My valentines Hints & Tips
Every time February 14th rolls around I love it due to the fact it gives me the chance to express myself in a way that many have forgotten.
Most valentines presents people give are bought in the shops. However Valentines are meant to be from the heart. I make my valentines every year and if I have a bit of spare cash I get something we can share. After all valentines is about treating or sharing with a loved one.
Another thing I usually also do on Valentines day is to treat someone I may have met but do not have regular contact with. This could include co workers, friends, or someone who just needs a boost. The reason I do this is it is just a nice feeling to know someone gets joy from it.
Now as you may all know the way to a persons heart is through the stomach. Depending on your cooking skills you may make something elaborate as cream puffs dipped in chocolate placed in a basket of spun toffee or as simple as bon bons or chocolate crackles. Either of these will usually taste great and be a sure fire hit. If you want to do something tasty and WELL sort of health conscious just, grab a punnet of blueberries or strawberries and blend them beat up some cream with a dash of vanilla and icing sugar to taste.
A valentines thought for you.
If A = 1 and Z = 26 and Hardwork equals 98% that Valentines equals 102% which means 100% love for 2 people.
Sweets for valentines
Valentines hints and tips
My top Australian valentines hints and tips.
- For your valentine make a picture story or scrapbook on a favorite subject of theirs even for guys. Example Some people love dogs or cats your sure to find some cute pictures for your valentine for a picture story.
- For those with culinary skills find out your valentines favourite food, make it and specially present it. Example Strawberries and cream placed in a heart shape and served on a silver or crystal platter.
- For those with handy person skills restore or make your valentines a treasured possession. Example Many craft shops now sell nice mirrors, jewellery, trinket or hat boxes that you can add personal touches to.
- Write a nice poem or song for or about you or your valentine. Example Use things like times you enjoyed or what your dreams are, change the words to a video or song.
- Send a secret valentines cardeven for guys. Example Perfume or cologne scented, that you lovingly handcrafted from recycled or new materials.
- Give the gift of flowers, even for guys. Example Pick a bunch of flowers from YOURS or a friends garden and present it nicely with ribbons etc.
- Give the gift of love (FOOD) even for guys. Example Try making your valentine some heart shaped bisuits, cakes or shortbread's.
Just use a couple of the tips above and I am sure your valentines will be more appreciated and worthwhile. Not to mention have a lot less impact on your finances.
Just remember the ads on TV when you see the people buy the kids a heap of toys and the kids end up playing with the box they came in. The simple things in life may be cheap but are often the best especially for someone who seems to have everything.
Most of all when you make your gift do it with love after all valentines is all about 2 four letter words FREE L O V E...
Until next time I wish you the best of luck and happiness.
Here is another handy idea.
Why not make your valentine famous and spread some Hub love at the same time. Publish your poem on a Hubpage. You never know you could become famous for your writing. OR have a play with googles heart
Have a happy hubbing valentines day..
Hang on for a second..!!
Before I go...
Here is one more tip to help satisfy your Valentine.
YOU could go on a train, tram, ferry or bus ride to a place you haven't gone to before and have a great time exploring the sights. Take a small picnic or some sweet treats it's your choice.
No comments yet.


text:
- Books
- Business, Finance and Law
- Business and Management
- Management Techniques
- Leadership and Motivation
Leadership Resilience: Lessons for Leaders from the Policing FrontlineBy: Ginger Charles (author), Jonathan Smith (editor)Hardback
Up to 2 WeeksUsually despatched within 2 weeks
DescriptionLeadership is demanding and challenging. How do leaders cope? How do they remain fit and strong, and thrive? The authors of Leadership Resilience, a business school academic and a police officer, suggest that many challenges faced by leaders are similar to the challenges experienced by police officers. The isolation; the pressure not to show personal emotions; the expectation that they will deal effectively with confused, frustrated and angry people; and that they can deal with delivering bad news; all contribute to the pressures bearing on leaders and police officers everywhere. The authors argue that these challenges are more pronounced in policing and so more readily identifiable than in other leadership situations. They explore challenges experienced by police officers, look at how they cope with them, and draw lessons for those undertaking leadership roles more generally. Leadership Resilience provides accounts from police officers, in their own words, of difficult experiences they encounter. They describe their feelings about what was important and how they coped with it. Each account is followed by an analysis highlighting what is discussed, and not discussed, in the accounts and identifying lessons that can be drawn by leaders in other situations. All is presented so that it is relevant to different cultures demanding different styles of leadership. Analysis of the engaging experiences featured will help leaders struggling with the gap between leadership education and capability and the demands made of them to survive and thrive, while maintaining their physical, mental, emotional, and spiritual health.
About AuthorDr Jonathan Smith is a Senior Lecturer at the Lord Ashcroft International Business School at Anglia Ruskin University, Cambridge, UK, where he has led a number of innovative master's level leadership and HRM programmes. Externally, he also coaches and supports leaders and HR professionals. Smith has experience in public and private sector organisations. He was a Director of Studies at the UK National Police Training and Development Authority and his PhD explored the relevance of spirituality within police training. Smith is widely published and a co-author of MisLeadership (Gower 2010). Dr Ginger Charles has worked as a police officer in the United States since 1986. She has recently retired as a sergeant from police work after 27 years of service. Charles received her PhD from Saybrook Graduate School and Research Center in the field of Health Psychology. She now researches health risk factors in the law enforcement community.
ContentsContents: Introduction; Case 1: Peak experience at gunpoint, Ginger Charles; Peak experience at gunpoint: (analysis); Case 2: Hurricane Katrina - a police officera (TM)s experience, Wendy Kipple; Hurricane Katrina - a police officera (TM)s experience: (analysis). Case 3: Assistance required - can you respond?, Andrew A. Malcolm; Assistance required - can you respond?: (analysis); Case 4: Emotions on the sidewalk, Ronald J. Walsh Jr; Emotions on the sidewalk: (analysis); Case 5: Eyes wide open, Eric Kellogg; Eyes wide open: (analysis); Case 6: Leadership in crisis, Sir Peter Fahy; Leadership in crisis: (analysis); Case 7: Policing for peace in Northern Ireland - the four voices, Tim Meaklim; Policing for peace in Northern Ireland - the four voices: (analysis); Conclusions; References; Index.
Product Details
- publication date: 30/08/2013
- Format: Hardback
- Number Of Pages: 230
- weight: 658
Delivery Information
- Saver Delivery: Yes
- 1st Class Delivery: Yes
- Courier Delivery: Yes
- Store Delivery: Yes


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Etherium Gold Harmonic Innerprizes (UK Dispatch)
|Natural Monatomic Minerals
- Dietary Supplement
- Brain Function
Etherium Gold
Helps promote mental clarity, improve focus and concentration. It has been clinically studied and shown to balance the two hemispheres of the brain and increase alpha brain wave production.
It is generally accepted in neurosciences that this condition improves learning ability, increases creativity and reduces stress and restlessness.
|Suggested Use
As a dietary supplement, take one capsule before breakfast and one capsule mid afternoon. Children can take one capsule before breakfast and consult a health care provider if additional daily servings are desired.
|Supplement Facts
|Serving Size: 1 Capsule
|Servings Per Container: 240
|Amount per Capsule
|% Daily Value
|Monatomic mineral compound
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|300 mg
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|Hidroxi propylmethylcellulose (vegetarian capsule), microcrystalline cellulose, calcium stearate.Hypoallergenic: This product does not contain milk, eggs, soy, fish, crustacean shellfish, tree nuts, peanuts, wheat, yeast, salt, preservatives, artificial color, flavor, or fragrances.
|Reviews & Opinions expressed by Manufacturer Description are Not Endorsed by our organization.


text:
At K&L Gates, Women Alleged Misconduct and Left, as Accused Partners Stayed On
Abuse Survivor's $4M Judgment Against Jehovah's Witness Umbrella Organization Upheld by Court
Think Lean Daily Message
"In the client's mind, reliability means: the right outcome, within a range of circumstances, to be jointly pre-defined; on budget, which inc..."
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When: Sat., June 23, 8 p.m. 2012
Come experience this unique, interactive form of theater and support Playback Memphis' journey to Washington D.C. for the Playback Theatre Festival in October. For more information, call 264-0841
Price: $15
Inside First Congregational Church, 1000 S. Cooper (Cooper-Young)
Select a star to rate.
© 2018 Memphis Flyer


text:
My eleven year old son recently told us that he has know
"for like four years mom"
that the Easter Bunny and the Tooth Fairy weren't real. It wasn't a shock to him, but rather a slow unfolding, a mystery unveiling with each event when the supposed figure would move in-out of our lives.
The Easter Bunny only comes once a year but in a house with 3 kids who are loosing teeth and one who will someday soon begin, the Tooth Fairy might as well get her own bed and a seat at the table. When Anthony was young, the tooth fairy (who was also younger) was a pretty reliable figure. She showed up & paid up. She was cheap, only offering up a quarter… but he was young and happy just to get something shiny in return for his tooth. We even had a special little box for the teeth/coins.
As Anthony got older he started trying to find ways to increase he $$ return. He would leave her notes explaining the amount of blood lost, or how hard he had to work to get the tooth out. He even spent some time scrubbing one of his teeth to make it cleaner for her in hopes he may get more in return. And it made sense because the tooth fairy was becoming more and more inconsistent as he got older. And not just in terms of how much she left ($.25 - $2.00).
Some nights (gasp) she just didn't come.
Well I was up all night with the baby so I guess she didn't have a chance or Yeiks - babysitter didn't tell us Gracie lost a tooth!
Other nights she left the money and also the tooth. Honey where is that tooth? I saw him put it under the pillow...
One night she just left a note "I couldn't find your tooth last night because your room was too messy". Yup. Just what I thought.
Finally, we got to a point when Anthony was loosing teeth and not telling us about it. Maybe that was his ultimate test to see if she was real. I found a tooth when I changed his sheets. Yuck.
The first few times we fell down on the tooth fairy job my husband & I felt a little guilty. I mean the tooth fairy responsibilities are not real demanding. If I can't even get THAT right I am in trouble as a parent. And then I confessed to friends that she was a no-show. And the response I got was "oh yeah, we forgot once too" or "oh yeah, she is a drunk, she hardly ever comes the first night". And suddenly I felt so much better. I had thought I was the only one to forget or not know about some tooth. Nope. We all forget. And it is okay. I actually think it is good. Because it get the kids thinking about it all.
I know a lot of parents who don't 'pretend' that the tooth fairy exists and I think that is fine and admirable - they have great motivations and their hearts are in the right place.
Personally my husband and I think the tooth fairy and easter bunny and leprechaun (who makes the milk turn green on St. Patty's day) is fun. I am not worried that my kids are going to loose faith in God because of our tooth fairy shenanigans and I am not concerned that we are breeding distrust between the kids and I.
When questioned about it we have always responded with logic. We have encouraged questioning and testing of reason. We do not outright lie to the kids about anything. We have always said "what do you think?" or "Who else would want your teeth?".
I hope in encouraging the reflection we are setting up a good standard for the kids to evaluate any of the mysteries in life. When tested with both Faith and Logic I am confident that the tooth fairy will not stand up to the test but the truths of the existence of God the Father, the Son and the Holy Spirit will. And I want my kids to examine these truths as well as they accept Him in their lives.
Now that the con is up with Anthony, he is on 'our side'. I am relieved because quite often I fall asleep before he does and he is always up earlier than me. Those hours made the tooth fairy's job a little more difficult. Anthony is now instructed to alert us to any teeth lost while his dad and I are off on a date night. He helped hide most of the eggs this year and really loved it. And we laughed. We laughed about the notes and the no-show nights. He is appreciative of the little extra things that 'mom and dad' do to make the world a little more fun every once in a while. And isn't it nice to be appreciated, especially when we aren't perfect?
How do you handle the tooth fairy and other mythical creatures in your family?
How often do you forget? Are you a 10 per center or more like a 50/50 kind of parent?
What is your best excuse for the tooth fairy or other midnight mishaps?
Thanks for stopping by!!


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There hasn't been a boring 'Lake Caloosa Clash' yet. So, why start in 2017?
LAKE WALES — There hasn't been a boring 'Lake Caloosa Clash' yet.
So, why start in 2017?
Trailing rival Warner by 11 points early in the fourth quarter, the Webber International offense needed a spark. The Warriors had already missed three field goals and spent more time in a punt formation than they did in the red zone.
But strange things happen when Webber and Warner meet. That was the case on Saturday.
The Warriors scored 15-unanswered points in the final quarter to steal a game from their crosstown rivals, 18-14, in front of around 1,200 fans at Legion Field.
"We just kept positive," Webber quarterback Garry Chouloute said. "The first two quarters, we couldn't get anything. We would just drive down the field and fall short. At halftime, we talked to each other, bought in to each other, came out in the second half and executed our plays."
Special teams, an issue for Warner since it began playing football five years ago, were again a prime culprit in Saturday's collapse.
Backup punter Nicholas Whidden couldn't handle a low snap, fielding the ball on a knee to kill the down and turn it over. That gave Webber its best field position of the day at the Warner 25 with 11:31 to play.
It was the spark the Warriors (5-4, 3-2 MSC) needed.
They zipped down the field behind Chouloute, who completed 26-of-42 passes for 209 yards. The junior scored on a 5-yard keeper before hitting tight end Matthew Fling on the ensuing two-point conversion.
That made it a field goal game with 10:21 to go.
"We had to believe in each other," said Chouloute, who notched his first win over the Royals as a starter.
Warner (4-6, 2-3 MSC) spent most of the day in control. Quarterback D.J. Davis, who missed last week's game with a groin injury, guided the Royals to a 14-3 lead by completing 15-of-21 passes for 202 yards. He tossed touchdown passes to Jeff Suarez and Justin Jackson in the second quarter.
However, the slippery runner was not himself on the ground, which limited the Warner offense.
Davis was forced from the game early in the fourth quarter after taking a big hit on a sack. His backup, Andre Tommie, struggled, and the lack of a consistent passer opened the door for an opportunistic Webber defense.
Warner turned the ball over on Tommie's first possession as senior tailback Bryant Benton (19 carries for 85 yards) fumbled at the Webber 45 yard line after converting a first down with 8:11 to go.
"Threw it away," Warner head coach Rod Shafer said. "They played a good game. They stayed in there and, offensively, we just made so many silly mistakes. (Benton) is a great athlete, but the sad thing is he had the first down and we go in and then we run the thing out."
Chouloute — along with backup Jalen Cayo — guided the Warriors right back down the field.
Chouloute completed 3 passes for 30 yards while Cayo, as the wildcat quarterback, ran for 24 of his 51 yards on the drive. Tailback Austin Logue, who ran for 47 yards, bullied his way into the end zone to put the Warriors ahead for good with 5:10 to go.
Davis returned on the Royals' final drive but, after taking a sack on third down, his fourth down bomb to Suarez floated harmlessly out of bounds with 3 seconds left in the game.
"We got a little momentum in the second half," said Webber head coach Kelly Scott. "When you play Warner and Webber, it's going to go down to the wire. It always has. It was a lot of fun for the seniors, I'm really proud for those guys."


text:
My newly discovered free host
A short time ago I stumbled upon 100Webspace, a UK-based hosting vendor, which furnishes cost-free web site hosting services. The major reason why they can furnish charge-free website hosting accounts without any advertisements is the circumstance that you can maintain just one single free-of-charge hosting account with them, whereas web hosting firms that display ads on your websites permit you to set up as many free-of-cost web hosting accounts as you choose.
Free hosting restrictions
Lots of free website hosting vendors disallow the use of their charge-free web hosting packages for file or image hosting purposes solely and the use of bandwidth for inline linking purposes. A lot of free web hosting providers forbid hotlinking or inline linking and the inclusion of different file formats. 100Webspace makes no exception and prohibits hotlinking by default.
File size limitations
Other common restrictions placed on charge-free web hosting accounts by free hosting firms are related to the size of the files. For instance, 100Webspace does not allow users to upload files whose size is bigger than five hundred kilobytes or large audio and video files. Even if you attempt to upload a large file or a disallowed computer file type, you will not succeed. You can upload larger files and bypass this limitation if you upgrade to a paid website hosting account. 100Webspace offers quite affordable hosting accounts should you need more resources.
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text:
To all subscribers to the Hospitals and Institutions list:
We, the Hospitals and Institutions Committee of CoDA, Inc. hosp@PROTECTED , have received over 30 responses to our survey! Thank you to those who have already done so and thank you to those who will answer this call to action. Please consider filling out the survey by the end of week.
Click on survey here: https://app.smartsheet.com/b/form?EQBCT=951ffea5da9648c39c170371ea593c06
Great progress thus far. While it is unrealistic to have 100% survey participation, the World H&I Committee has set a goal of 100 responses. If willing, be sure to fill in the contact information so we can reach out to you or feel free to email hosp@PROTECTED.
Why do this H&I Survey?
1. The Books for Inmates and Institutions Program continues to thrive and the matching donations are needed to keep up with demand.
2. Help is needed to vet and respond to incoming correspondence.
3. There are 29 female and 15 male inmates currently looking for sponsors.
4. There are many more areas where you can be of service through membership on the World H&I Committee.
61 More to Go!
39 Responses Received. Thank You!
Here's a reminder about your current mailing list subscription:
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using the following email:
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Per the 11th & 12th Traditions this list is private & anonymous. http://coda.org/default/assets/file/privacycoda.pdf
Physical Address:
CoDA, Fellowship Services Office PO Box 33577 Phoenix, AZ 85067-3577
This mailing list is announce-only.
This list is for CoDA members who are H & I (Hospital and Institutions) contacts for their region or group. The purpose to send information regarding H & I service opportunities and resources from the H & I Committee and then for the contacts to share that information with their Intergroup or local meetings. Individual members may also be part of the list in order find out more about H & I service.
We appreciate your participation.
The Hospitals and Institutions Committee, Codependents Anonymous, Inc.
Per the 11th & 12th Traditions this list is private & anonymous.


text:
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- Description
- 18K Rose Gold
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text:
Friday, November 30, 2012
Journal Post 11/30/12
Here is a way to use a page in the back of the journal where I test or clean off stencils (I got a new one! I think it's a chain link fence, and it's very cool).
Also, a colour I don't use often - black!
I drew orange swirls with a watercolour crayon and scribbled them into poppies with a pen. I can still see the pattern of the stencils right through them.
The black is another watercolour crayon. I actually don't have black in my regular watercolour set. It DOES have white though, which I never use. I'm sure one day I will discover why there is a white watercolour pan, what it's used for, and that it's amazing. Or something.
Labels: Journal Posts
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text:
Philips Lighting NV (LIGHT.AE) said Friday it is on track to further improve its adjusted margin guidance in 2017 as it reported first-quarter profit growth and improved comparable sales.
Philips Lighting said its adjusted earnings before interest taxes and amortization, or adjusted Ebita, rose 17% to 142 million euros ($157.6 million) from EUR121 million a year earlier.
The Dutch company, which was spun out from Philips last year, said sales during the period was EUR1.69 billion compared with EUR1.70 billion. On a comparable basis, the decline in sales slowed to -0.8%, an improvement compared with previous quarters, it said. Europe and the Rest of the World delivered growth, while the Americas was impacted by an accelerated decline in conventional lighting and softer market conditions, the company said.
Philips Lighting said it is on track to further improve its adjusted Ebita margin by 50 to 100 basis points in 2017, in line with the company's medium-term outlook to gradually improve the adjusted Ebita margin to 11% to 13%, and to deliver solid free cash flow.
"While we remain cautious given global economic uncertainty, we are committed to our ambition to return to positive comparable sales growth in the course of this year," the lighting products manufacturer said.
-Write to Razak Musah Baba at firstname.lastname@example.com; Twitter: @Raztweet


text:
German directory listings new
Orçamento $30-250 USD
I need a website submitted to top 20 directories in the following languages:
I have the directory script available in the target language, just need you to specify the directories, make the submission, confirm indexing and send me the URL of the directories submitted to.
Please specify in your bid what language you will be posting to. Note i am NOT looking for English language directories, and they MUST be legitimate directories in the target language, not FFA type sites.
4 freelancers estão ofertando em média $210 para esse trabalho
hii these terms are quite competitive will need good budget.
Native German. Have done similar things many times. Looking forward to this Job.


text:
"Jews were allowed to live as oppressed dhimmi in Muslim lands. They generally werent allowed to live at all in Christian lands."
They were not allowed to live in Christian lands? Then how was it that the Nazis were able to round up 6 million of them and murder them during WWII? While there is ample evidence of discrimination against Jews, laws against them regarding land ownership, etc., segregation and all sorts of blood libels, expulsions, etc., they certainly were allowed to live in Christian lands.
Still, the constant fear of being expelled from their homes was true. Likewise, false accusations.
If you go back to my original post on the issue, I'm talking about medieval and early modern times, up to around 1700 perhaps.


text:
Top online dating sites in france Meet me for sex pta
Meet thousands of fun, attractive, France men and France women for FREE. Click on any of the cities in France below to meet members looking to chat with you.
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But Paris always did do romance better than Berlin.
When you think about romance, decadence, and falling in love, the first place you might think of is France, more specifically Paris.
We are aimed at expats looking for romance, dates, love, whatever. Your security is vital to us and we try to ensure our site members are who they say they are. NO PHOTO - NO ENTRY Please be aware that we do not accept anyone without a recognisable photo.
Get in touch with us any time if you feel you need to know more, we are always happy to help. Sorry about that, but it just doesn't work any other way!
It's only natural that you may want to visit and soak in everything the country has to offer with someone special.
After all, what better place to fall in love, or at least go on some incredible dates, than a country that has a rich history, incredible art, and a unique culture?
Those who pay the premium package and have a real crush on the person can even send charms.While the users of Happn are pretty similar across the 25 cities where the service is up and running, Cosnard says there are some cultural differences that they have noticed."In the UK women are much more pro-active than the guys and often make the first move.And it's proving popular with more than 6 million users worldwide - a figure that is expected to hit 10 million by the end of the year."We wanted to introduce a bit more real life into the dating experience.
I'm very simple, easy-going and of course interesting person.


text: Star Students: Our U14 Netball Team Congratulations to the U14 Netball team who pulled out a brilliant set of performances on Saturday at the County Tournament to come 7th out of 22 teams!"The 8 teams who got to the quarter finals were of an exceptional standard with a high percentage of county and club players. Penrice have done fantastically well to maintain competitive at this level of the competition when only 2 of our 10 players have club links. The team played some of the best netball I have ever seen them play.With several players being picked out as potential county talent – a very big well done to all involved. Special thanks to Mrs Hoskin for scoring for us!"Miss Fisher (Netball Coach)Penrice 3 – 8 PenairPenrice 7 – 0 St IvesPenrice 10 – 0 CambornePenrice 13 – 1 Roseland(Quarter final) Penrice 3 – 13 Truro HighPlay off: Penryn 9 – 3 PenricePlay off 2: Penrice 6 – 3 Mounts Bay


text:
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The "scientific consensus" on "global warming"…
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is neither "scientific" nor a "concensus":
"Of the 51 UK contributors to the report, there were 5 economists, 3 epidemiologists, 5 who were either zoologists, entomologists, or biologists. 5 worked in civil engineering or risk management / insurance. 7 had specialisms in physical geography (we gave the benefit of the doubt to some academics whose profiles weren't clear about whether they are physical or human geographers). And just 10 have specialisms in geophysics, climate science or modelling, or hydrology. But there were 15 who could only be described as social scientists. If we take the view that economics is a social science, that makes 20 social scientists…"
101 Things All Young Adults Should Know
by Sir John Hawkins
John Hawkins's book 101 Things All Young Adults Should Know is filled with lessons that newly minted adults need in order to get the most out of life. Gleaned from a lifetime of trial, error, and writing it down, Hawkins provides advice everyone can benefit from in short, digestible chapters.Buy Now
(Kathy Shaidle blogs at FiveFeetOfFury)
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Refuse & Recycling Collection Information – Machesney Park
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"Pay As You Throw" For The City Of Gloucester
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text: July 2016 – IoT in Insurance Posted on July 25, 2016 at 8:00 pm.Written by Raphaella Nolleau Like 0 CH&Co. Monthly Digital Newsletter Follow us: Linkedin – Twitter View this email in your browser July 2016 – IoT in Insurance What's IoT and its market scale Internet of Things ("IoT") is becoming one of the topics of increasing interest among the technology giants and business communities. IoT refers to an inter-connected network of physical devices, that can collect and exchange data anytime, anywhere, with anything and anyone. According to a 2016 Ericsson Mobility Report, the number of IoT sensors and devices is expected to grow at a 23% compound annual rate from 2015 to 2021, and the worldwide spending on IoT expected to double to USD 1.3 trillion in 2019. One of the major industries to be impacted will be Insurance with an expected 31.8% CAGR in spending over the next five years[1]. In the mature markets like U.S. or UK, investors are betting big on new technologies in Insurance, given the high mobile penetration rate and advanced information & telecom infrastructure. Among developing markets, Asia Pacific is leading the trend by spending 40% of the worldwide investment on IoT development in 2015. Here are some early adopters in the market who differentiated themselves with IoT offerings: How IoT will redefine the Insurer-Customer relationship Technology is reshaping the way people consume services. With the emergence of P2P, big data and micro services, consumers look for more accurate and cost efficient services. The changing customer behavior requires insurers to offer more interactive and personalized customer experiences through simplified processes. Are insurers ready to be IoT-armed? "Connected coverage", which leads to a cost-saving ecosystem, is an innovative practice to be applied in Insurance industry. The key idea behind is that customers are encouraged to take risk management by themselves through IoT devices. To understand how insurers can leverage IoT to enhance this ecosystem, we need to look at how the new model works. We call it the '3A' principle: Accumulate, Analyze and Act: Accumulate: Beyond credit history and personal information, what the connected devices provide is an up-to-date customer behavior data. Sensors, including trackers and wearables, record and monitor new data sources from human, property or environment. All this data needs to be stored in a secure cloud. Analyze: The 'accumulated' data is archived, processed and transferred to clients and insurers for a 360-degree customer view. This process enables insurers to access client data for risk management and credit analysis on an ongoing basis. Furthermore, combined with machine learning technology, real-time tracking by IoT could also be applied to situation predictions and pattern modeling for larger scalability. Act: Integrated with Big Data analysis tools, insurers are able to come up with more precise price models to fit into client-customized Insurance plans. It also means faster settlements and more reactive claim management Ultimate Driving Force & BenefitsAccording to a major industry survey[2], 78% of Insurance customers are willing to share personal data with Insurance companies in return for benefits. This behavior trend creates new opportunities to either collaborate cross-industry or new usage inside the industry. IoT in Insurance changes the traditional model into a model built around awareness and prevention and pro-active claims: Source: CH&Co. IoT benchmark in Health Insurance, 2016 For insurers, the new behavior-data-based model is improving the underwriting process and provides more precise risk measures. It will also allow significant cost reductions. For customers, it means taking more responsibility in the management of their risks. Purchasing self-customized Insurance plans will also leads to accidents prevention and reactive claims offerings. Challenges & Market outlook New challenges arise with new innovations. The current regulatory frameworks including industry constraints, legal standard and data security standards are not adapted to the new technology. For example, IoT exposes data protection challenges as people might not be aware that their personal data is being collected and IoT devices usually do not have user interface to configure privacy preference. The scalability of IoT is another issue, due to the lack of talents specialized on M2M & Smart Technology. To overcome the existing challenges, Insurers should: Adapt to changing customer behavior – For insurers, it is necessary to have a deep understanding of new customer experience requirements and of the way services should be distributed. IoT is a new approach, but at the end of the day, the return on investment must match expectations. Re-think existing regulations – IoT collects and processes huge amounts of customer behavior data, which leads to data protection and cybersecurity concerns. Therefore, collaboration is needed from regulators, insurers, technology providers and customers. Seek for partnerships – Compared with big players, the emerging fintechs have more flexibility to disrupt the market with their cutting-edge technology and devices. Partnership with fintechs can help established Insurance companies attract new customers and achieve cost efficiency. For example, in early 2016 AIG invested in Human Condition Safety (HCS), a Fintech developing wearable devices to improve worker safety, to help reduce work-related injuries. Explore new forms of Insurance models – IoT technology combined with P2P Insurance, micro-insurance and machine learning can add more value to customers. For example, Zhong An Insurance, a digital-only Insurance platform fintech, recently provided connected devices to customers with the goal of expanding its customized Insurance services for both car and health Insurance. [1] International Data Corporation (IDC) Spending Guide[2] The Digital Insurer Claims Customer Survey by Accenture What are your views on the future opportunities and challenges brought by IoT for the Insurance Industry? Email us, we would love to hear them. Happy Reading! The CH&Co. Editorial team Latest News on IoT in Insurance L&T Technology Services and Redknee to deliver IoT architecture for enterprises Bangalore: L&T Technology Services Limited, announced its collaboration with Redknee Solutions Inc, a leading provider of real-time monetization solutions, to offer corporate clients a complete architecture via Internet of Things (IoT) to enable connectivity, analytics and monetization in transport, energy and insurance. Full article here KORE delivers iPad-Based IoT solutions for businesses KORE, the world's largest managed wireless network services provider specializing in Machine-to-Machine (M2M) communication and the Internet of Things (IoT) is now providing businesses with a comprehensive solution for rapid iPad-based IoT business innovations and ROI. Full article here KDDI taps Gemalto for connected cars and IoT Japan's KDDI has collaborated with Gemalto, a digital security company, to provide the platform to enable secure connectivity for connected cars and IoT applications worldwide. Ultimately, KDDI is able to provision any requested profile of targeted operators on connected cars equipped with pre-embedded eSIMs. Full article here ROC-Connect Wins Insurance Nexus IoT Innovation Award at IoT Insurance Europe Summit 2016 ROC-Connect, an Internet of Things (IoT) smart home provider, announces it has won the Insurance Nexus IoT Innovation Award at the IoT Insurance Europe Summit in London. The Insurance Nexus IoT Europe Award 2016 drew over 150 nominations in five categories designed to put a spotlight on companies that are pushing the envelope in digital innovation, customer engagement and service differentiation. Full article here Sales of Medical Wearable Devices Jump in 2016 According to the Future Market Insights report, the global shipments of medical wearable devices will surpass 106 million in 2016. Revenue for the devices are expected to cross $US 23,980 million, which is a 4.8% growth year over year. The new technology, for the first time, is allowing patients with diseases that require round-the-clock monitoring, to be more flexible. Full article here Case Study for July – ConnectedHealth CH&Co. Community CH&Co. is co-organizing the Next Money "InsureTech Future – Future customer behavior and the IOT Opportunity" meetup in Singapore on July 28, 2016. The event will bring leaders from insurance companies, fintech startups and other innovators featuring panel discussion, demos and key insights from CH&Co.'s connectivity IoT benchmarking. CH&Co.'s Events Conferences, exhibitions, workshops…If you would like to participate in our events, please register here. Membership is free! Share the news! If you enjoy CH&Co.'s news, please share it with your colleagues. They can also sign up for future editions. Membership is free! Forward Tweet Share Chappuis Halder & Co. is a consulting firm specialized in Financial Services with offices in North America, Europe and Asia. We help our clients in several industries, Corporate & Investment Banking, Commodity Trading, Insurance and Retail & Private Banking, with a permanent focus on expertise and research, especially in the Digital area. Chappuis Halder & Co. American offices New York : +16465695876 Montreal : +15145723012 European offices Geneva : +41227152540 London : +442076379455 Paris : +33175772780 Asian offices Hong Kong : +85239043030 Singapore : +656228664 www.chappuishalder.comwww.fintank.net firstname.lastname@example.com@email@example.com Copyright © 2016 CH & Co. – all rights reserved. You can update your profile or at any moment unsubscribe from this list. Thanks for reading!


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Bitch, aren't you satisfied with what you're doing when you're not with your husband? You're an annoying, unfaithful bitch. I'm minding my own fucking business, and you're really getting on my nerves already. Fuck you.
What you're doing is extremely repulsive to me. Your unfaithfulness is extremely despicable. I've been drowning my mind on useless shit for quite sometime now so I can't really express myself fully with words. I spit on your grave, bitch.
You're a constant reminder of the negative possibilities if I have a wife of my own. Aren't you fucking satisfied? Why don't you formally break off your relationship with your husband? Why don't you just become a prostitute?


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The Orlando Magic's 86-77 loss to the Boston Celtics had at least one bright spot for the Magic: Vince Carter snapped out of his shooting slump.
Carter made 10-of-20 shots from the field and scored 27 points against the Celtics.
In the Magic's five previous games, Carter had made just 20 of his last 65 shots.
Carter seemed more intent on driving to the hoop against Boston than in recent games. But it also helped that Carter tried to keep a healthy perspective through his shooting struggles.


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When it comes to life, sticking with a routine for too long can actually be draining. It is very important for people to be able to deal with changes in their schedule. One of the best things they could do in order to break the monotony of work is to award people for their work. If people continue on without any sort of recognition, then they may lose the motivation to do their work. This is why it is important to come up with a fun event. The amount of motivation from employees is proportionate to the award they are given.
For those that don't know how to plan an event, they can find some event planners NYC carries. These people have a greater imagination than anyone else because they have been paid to exercise their creativity. However, when looking from among event planning companies NYC has, it is important to have more than one requirement. While it is good to find some event planners that are creative, one thing that should be avoided is someone hat is not interested in the input of their customers. After all, the client might have some good ideas of what is wanted for the event.
One event planning company that has that balance is Twenty Three Layers. The event planners from this company not only have tons of experience with planning parties, they are also humble. They are adaptable. Which means they could not only plan for any type of events, but they can also work with changes in plans easily. Sometimes, they are also able to come up with ideas that could change the plan midway. Therefore, Twenty Three Layers is the company to contact for events.
Find them in NY:


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|Homes for Sale
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|Home Owner's Assoc.
Tahoe Donner is located in the upper region of Truckee, California, within 5 miles of Donner Lake and less than 20 miles from Lake Tahoe. Tahoe Donner Association manages two ski areas, restaurants, an 18 hole golf course, equestrian center & campground that are available to the public. The association also manages other amenities for the exclusive use of more than 6,300 property owners.
Facts about Tahoe Donner
Useful Tahoe Donner Contact Numbers: Printable List of Utility Company and other useful phone numbers


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NEW YORK (Reuters) - Stock index futures were mixed on Monday as investors faced a busy week of corporate earnings results, while Apple fell on concerns of decreased demand.
Shares of Apple slid more than 3 percent in premarket trade after a report that the tech giant has cut orders for LCD screens and other parts for the iPhone 5 this quarter due to weak demand. The stock was down 3.5 percent at $502.02.
Earnings season picks up the pace this week with reports expected from companies including Goldman Sachs
Transocean Ltd
S&P 500 futures fell 0.9 points and were below fair value, a formula that evaluates pricing by taking into account interest rates, dividends and time to expiration on the contract. Dow Jones industrial average futures added 3 points, and Nasdaq 100 futures fell 9.25 points.
United Parcel Service Inc
The U.S. economy is expected to grow by 2.5 percent in 2013, improving to 3.5 percent growth in 2014, top Fed official Charles Evans said on Monday.
Investors will also be watching a speech from Federal Reserve Chairman, Ben Bernanke, who will be speaking on monetary policy , recovery from the global financial crisis and long-term challenges facing the American economy at 4 p.m. (2100 GMT)
(Reporting by Leah Schnurr; Editing by Theodore d'Afflisio)
Stock futures mixed as investors eye earnings, Apple
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To address the growing number of Dabawenyos intending to fly to tropical resort of El Nido in Palawan, Airswift Transport Inc is set to launch a Davao-El Nido direct flight starting May 2018, a report
8-Storey Hospital to Rise in Matina
Construction of the 100-bed United Davao Specialists Hospital and Medical Center is underway, and is expected to be fully operational by 2020. The construction of UDSHMC, a level 2 tertiary hospital located close to Matina
Philippine Airlines Flies to New Destinations From Davao
Philippine Airlines has expanded its flight network from Davao International Airport, connecting it to new destinations in Visayas and Mindanao. At least five new domestic flights out of Davao were introduced by the flag carier,
Cebu Pacific Now Flies Direct Davao to Bohol
Cebu Pacific, the Philippines largest carrier, continues to expand its domestic flight network by adding a new route that links Davao City with Tagbilaran City, Bohol. Starting October 21, 2017, Cebgo, Cebu Pacific's wholly-owned subsidiary,
Whitewater Rafting in Davao
If you're into adventure in Davao, you don't have to go further from its city limits and scale Mt. Apo. Davao River is a 150 kilometer stretch from the mountains with a width of between
Davao Bambu Sanctuary and Ecological Park
Visitors in Davao City who wish to enjoy a resort at the heart of the city's nature park can now try the newly-launched Davao Bambu Sanctuary and Ecological Park. Adopting a forest theme that blends
30 Things To Remember During Davao Martial Law
Martial Law has been declared in the entire island of Mindanao. Since Davao City is part of the island, we Dabawenyos should be on the alert although there is no need to panic nor sow
P391M Coco Processing Plant in Baguio District Gets Approved by Bureau of Investments
The Philippine Board of Investment has given the nod to Ahya Coco Organic Food Manufacturing Corporation's Php391 million coconut processing plant in Barangay Gumalang, Baguio district, Davao City. The project falls under the production and
Davao Chocolate Receives Award at Britain's Academy of Chocolate
While not known for producing chocolates, the Philippines once again was adequately represented as chocolate experts in Britain recognized one of the country's entries. "Malagos Premium 100% Unsweetened Chocolate" won a bronze award under the
Davao – Samal Bridge Construction To Start This Year
Secretary of Budget Benjamin Diokno said priority projects in Mindanao are planned for construction starting this year or early 2018 include the bridge that links Davao City and Samal Island and the Mindanao Railway System,


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Why No One Talks About Options Anymore
What To Look For When Choosing A Semper Solaris Company
Semper solaris primarily save up your electricity bill and contribute to your savings indirectly. If you are puzzled about selecting the right Semper solaris for installing your home machine, then this will provide you some useful tips. Aside from the home machines, there are Semper solaris that also supply devices to be set up in organizations and companies alike. There are various companies in each area delivering great service for the client by delivering high powered solar devices.
It is important to keep in mind that installing semper polaris in your own home or company is a decision that should not be taken lightly. Generally, it is considered the best practice to obtain at least three quotations to effectively compare and contrast as well as consider the best offerings. This will also enable you to get a better understanding of the procedures and practices of a company. When selecting a semper solaris company there are several factors to consider.
Choosing an installer
There are major name builders on TV and in radio ads, but the only way to know for sure if their providers are what you need is to check with the Better Business Bureau for part complaints filed against the business or the service provider. When dealing with a huge company, you will want to ask if any subcontractors will be used for the construction. If so. You need to be sure that the contractor is also licensed and insured. You will need to check the subcontractor's record with the Better Business Bureau as well. Should everything check out and you are satisfied with the good results of your findings? Then it is time to look at an example of the contractor's work. If the firm does not have a showroom, ask if there are any previous customers for you to contact as a reference.
Acquiring a Quote
Most corporations will give a free and no desire on-site visit to provide you with a quote for their work. This should be a no embarrassing situation and is merely a shot to gather quotes from various companies so you can get the best deal. Ensure to have each service provider break down their quote into materials. Crews and other costs so that you can accurately compare quotes. Remember to ask about any warranty or guarantee for the work offered. This can be a core deciding point in who you select to be your contractor!
Aside from these aspects, you should also consider the quality of their craftsmanship and materials, the price, and the warranty of the company offering semper solaris.The device is an energy and money saver, therefore it is greatly beneficial for you.


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Cyberattacks on Georgian Web Sites Are Reigniting a Washington Debate
WASHINGTON -- The cyberattacks in Georgia are re-energizing a debate over whether the laws of war apply in cyberspace. Among the biggest questions: When is a cyberattack an act of war?
As Russia continued military actions inside Georgia, in apparent violation of a Tuesday cease-fire agreement, some Georgian government Web sites, including the president's office, remained under attack.


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For the first time ever, top Scout leaders will come together to help you build a perfect year-long Scouting program. Through breakout sessions, midway exhibits, and personal interaction with our experts, you'll learn:
Be sure that at least 1 leader from your Pack or Troop is attending. It will be rewarding:
Here is the schedule for the event:
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Carl Ciochon, Esq. is a partner in Wendel Rosen Black & Dean LLP's litigation department and co-chair of the firm's real estate litigation group. Carl has a diverse background as a trial lawyer, with a particular focus on real estate matters and representations involving investment funds. As a real estate litigator, he regularly represents retail tenants, brokerage firms, developers, homebuilders, property managers, and purchasers and sellers of real property. Carl also has substantial experience in matters involving investment funds. He previously served as General Counsel to a $5 billion SEC Registered Investment Adviser and has represented fund managers and investors in all manner of proceedings, including litigation relating to fund investments, management, and performance. Carl is a member of the California Land Title Association and the Association of Business Trial Lawyers, and has served on the Executive Committee of the Alameda County Bar Association's Trial Practice Section. Following law school, he clerked for the Hon. Richard M. Bilby, United States District Judge, District of Arizona. Carl is a competitive distance runner and completed seven consecutive Boston Marathons between 2009 and 2015.
Fundamentals of Real Estate Title & Conveyance
This program surveys issues relating to real property title and conveyance from a practical perspective, with a focus on avoiding and resolving common problems. It addresses title and conveyance basics, as well as more advanced topics, such as the role of the escrow holder, liens and how to remove them, easement and boundary issues, and the remedies available when a problem arises. The course is designed to provide the legal practitioner with a basic understanding of title and conveyance issues and thus effectively represent clients in both transactional and litigation matters which involve these issues.
Key topics to be discussed:
• Basics of Title and Conveyancing
• The Escrow Holder's Role
• Liens and Lien Satisfaction
• Encroachments, Boundary Issues and Easements
• Remedies, Including the Lis Pendens and Quiet Title and Partition Actions
Date / Time: March 14, 2018
• 12:00 pm – 2:00 pm Eastern
• 11:00 am – 1:00 pm Central
• 10:00 am – 12:00 pm Mountain
• 9:00 am – 11:00 am Pacific
Choose a format:
• Live Video Broadcast/Re-Broadcast: Watch Program "live" in real-time, must sign-in and watch program on date and time set above. May ask questions during presentation via chat box. Qualifies for "live" CLE credit.
• On-Demand Video: Access CLE 24/7 via on-demand library and watch program anytime. Qualifies for self-study CLE credit. On-demand versions are made available 7 business days after the original recording date and are view-able for up to one year.
All Access Pass: Before you buy, access this class and all other myLawCLE programs, over 120 new live classes every year, for only $69 dollars per month. Purchase the All Access Pass first. Click here for more information.
CLE Accreditation:
mylawCLE seeks approval in all states.
Accreditation Policy
myLawCLE will seek credit where attending attorneys are primarily licensed for all of its live webinars and live teleconferences, except in states which allow for reciprocity (see reciprocity section below). Credit for CLE in a self-study format is sought for in most states; however, some states do not allow for CLE credit to be earned in a self-study format (see the self-study section below). Many states typically decide whether a program qualifies for MCLE credit in their jurisdiction 4-8 weeks after the program application is submitted. For many live events, credit approval is not received prior to the program. Credit hours granted are subject to approval from each state.
Additionally, some states allow for credit to be granted on a 1:1 reciprocal basis for courses approved in another mandatory CLE jurisdiction state. This is known as a reciprocity provision and includes the following states: AK, AR, CO, FL, ME, MT, ND, NH, NJ, NY, PR, and SD. myLawCLE does not seek direct accreditation of live webinars or teleconferences in these states.
On-demand CLE
myLawCLE will seek on-demand approval in all states except Virginia and Arkansas (outside reciprocal provisions stated above).
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myLawCLE offers a program and credit approval guarantee. If a registered attendee is unhappy with a CLE program they have attended, myLawCLE will offer that attended access to another complimentary CLE or a full refund in order to insure the attendee's satisfaction.
Additionally, on all online CLE programs application for approval will be made in all states where attending attorneys are primarily licensed in. If a registered attorney does not receive credit from their state for any reason, a full refund will be granted.