text:
Postcard view looking northwest from the Key West Lighthouse, ca. 1870.
Looking northwest from the Key West Lighthouse, now a museum operated by the Key West Art and Historical Society, the Ernest Hemingway Home and Museum is visible.
Pictured here in the bottom right, the museum is famous for its six-toed “Hemingway” cats. The house was originally built by Asa Tift, one of the island’s first shipwreck-salvaging magnates.
After the fire of 1886, structures were required to have metal roofs, which some historical Key West buildings still do.
On April 1, 1886, a fire destroyed much of Key West’s downtown commercial district. It burned for more than 12 hours – not helped by the fact that the island’s only steam fire engine was in New York for repairs.
Damage was estimated at more than $2 million, only about $50,000 of that covered by insurance. Most structures in the historic district today still have metal roofs, a requirement that began after the fire.
This photo shows Cuban workers leaving Key West by Spanish ships after the fire of April 1886.
Key West in the 1880s was a center of the booming cigar manufacturing industry. The tobacco was grown in Cuba, but the cigar-rolling factories were in Key West, both to escape Cuba’s political turmoil and to avoid import tariffs on the finished cigars.
The island’s Cuban population swelled and Cuban-Americans were elected to public positions including mayor, justice of the peace, school superintendent and state legislator. Key West is closer to Havana than it is to Miami and frequent traffic between the two islands continued until the early 1960s.
U.S.S. Maine soldiers being buried in Key West Cemetery, shown in stereoview, which produced a 3-D effect.
Some of the Maine survivors at the Army Barracks Hospital in Key West, by George C. Mages.
The U.S.S. Maine embarked from Key West to Havana before it exploded in Havana Harbor, which helped trigger the Spanish-American War. This stereoview shows casualties from that explosion being buried at the Key West Cemetery, which still has the plot dedicated to the Maine sailors.
Stereoscope and stereoview photographs were popular in the latter half of the 19th century. These photos, viewed through a stereoscope viewer – which looked like a pair of glasses mounted on a holder for the photograph card – gave the illusion of 3-D.
Tanzler had fallen in love with Elena Hoyos, a young tuberculosis patient. When she died, he stole her body from the cemetery and installed it in the contraption, where he essentially turned her into a wax mummy. Tanzler played organ music to his beloved and insisted that she awake and speak to him.
When he was discovered, Hoyos’ body was put on display at the local funeral home and almost 7,000 people showed up for the viewing.
This stereoview shows the island’s sponge market.
Until synthetic sponges were developed, collecting and cleaning sponges from the nearby waters was a major industry for the island. It continues today on a much smaller scale. The rivalry between Key West spongers and Greek spongers from Tarpon Springs fueled the plot of the 1953 movie “Beneath the 12-Mile Reef,” starring Robert Wagner and Peter Graves.
A man shows off his goliath grouper, a species that is now protected.
Turtling was another major, sea-based industry for the island. This stereoview shows green turtles being prepared to ship to New York. Sea-turtle harvest continued until the 1970s, when they were protected.
The most historically significant item in the collection donated to the library isn’t a photograph. It’s a letter from 1823, with orders from Commodore David Porter for the Navy to take possession of the island and rename it.
But “Thompson’s Island,” after the Secretary of the Navy, didn’t take. Five years later, the town incorporated as Key West, an Anglicization of the island’s longtime Spanish name, Cayo Hueso.
More images from the recent donation can be seen at the Monroe County Public Library’s Flickr site.
Key West’s 18th Annual Lobsterfest wasn't just about stuffing your face with lobster tail.
Lobster newcomers and lobster veterans paraded down Duval Street at the lobster street fair, some wearing lobster hats collected over years.
Among the 200 booths, there were several lobster gear vendors.
Don Burge owns Mullet Wear Outfitters, which he describes as “a spoof and a goof on all the big fishing outfits.” He sells his wears at seafood festivals throughout Florida.
Combine two hot-weather refreshments, beer and ice cream, and you get a beer milkshake. Depending on your perspective, this beverage may sound either intriguing or alarming, but two restaurants in the Keys pull of the mash-up successfully.

lowercased:
postcard view looking northwest from the key west lighthouse, ca. 1870.
looking northwest from the key west lighthouse, now a museum operated by the key west art and historical society, the ernest hemingway home and museum is visible.
pictured here in the bottom right, the museum is famous for its six-toed “hemingway” cats. the house was originally built by asa tift, one of the island’s first shipwreck-salvaging magnates.
after the fire of 1886, structures were required to have metal roofs, which some historical key west buildings still do.
on april 1, 1886, a fire destroyed much of key west’s downtown commercial district. it burned for more than 12 hours – not helped by the fact that the island’s only steam fire engine was in new york for repairs.
damage was estimated at more than $2 million, only about $50,000 of that covered by insurance. most structures in the historic district today still have metal roofs, a requirement that began after the fire.
this photo shows cuban workers leaving key west by spanish ships after the fire of april 1886.
key west in the 1880s was a center of the booming cigar manufacturing industry. the tobacco was grown in cuba, but the cigar-rolling factories were in key west, both to escape cuba’s political turmoil and to avoid import tariffs on the finished cigars.
the island’s cuban population swelled and cuban-americans were elected to public positions including mayor, justice of the peace, school superintendent and state legislator. key west is closer to havana than it is to miami and frequent traffic between the two islands continued until the early 1960s.
u.s.s. maine soldiers being buried in key west cemetery, shown in stereoview, which produced a 3-d effect.
some of the maine survivors at the army barracks hospital in key west, by george c. mages.
the u.s.s. maine embarked from key west to havana before it exploded in havana harbor, which helped trigger the spanish-american war. this stereoview shows casualties from that explosion being buried at the key west cemetery, which still has the plot dedicated to the maine sailors.
stereoscope and stereoview photographs were popular in the latter half of the 19th century. these photos, viewed through a stereoscope viewer – which looked like a pair of glasses mounted on a holder for the photograph card – gave the illusion of 3-d.
tanzler had fallen in love with elena hoyos, a young tuberculosis patient. when she died, he stole her body from the cemetery and installed it in the contraption, where he essentially turned her into a wax mummy. tanzler played organ music to his beloved and insisted that she awake and speak to him.
when he was discovered, hoyos’ body was put on display at the local funeral home and almost 7,000 people showed up for the viewing.
this stereoview shows the island’s sponge market.
until synthetic sponges were developed, collecting and cleaning sponges from the nearby waters was a major industry for the island. it continues today on a much smaller scale. the rivalry between key west spongers and greek spongers from tarpon springs fueled the plot of the 1953 movie “beneath the 12-mile reef,” starring robert wagner and peter graves.
a man shows off his goliath grouper, a species that is now protected.
turtling was another major, sea-based industry for the island. this stereoview shows green turtles being prepared to ship to new york. sea-turtle harvest continued until the 1970s, when they were protected.
the most historically significant item in the collection donated to the library isn’t a photograph. it’s a letter from 1823, with orders from commodore david porter for the navy to take possession of the island and rename it.
but “thompson’s island,” after the secretary of the navy, didn’t take. five years later, the town incorporated as key west, an anglicization of the island’s longtime spanish name, cayo hueso.
more images from the recent donation can be seen at the monroe county public library’s flickr site.
key west’s 18th annual lobsterfest wasn't just about stuffing your face with lobster tail.
lobster newcomers and lobster veterans paraded down duval street at the lobster street fair, some wearing lobster hats collected over years.
among the 200 booths, there were several lobster gear vendors.
don burge owns mullet wear outfitters, which he describes as “a spoof and a goof on all the big fishing outfits.” he sells his wears at seafood festivals throughout florida.
combine two hot-weather refreshments, beer and ice cream, and you get a beer milkshake. depending on your perspective, this beverage may sound either intriguing or alarming, but two restaurants in the keys pull of the mash-up successfully.


text:
How Long Do I Have to Purchase Car Insurance After Buying a Car?
Car insurance can be complicated if a person does not have a good agent to help them through the process. How much do you need? When do you need to buy it? Can it be added to an existing policy? This article won’t answer all your questions. It will, however, help answer the question of how soon you need to buy insurance after you purchase a car. The answer can depend on where you purchase your car, your state laws and the existence of any other car insurance policies you may have.
Many car lots will not even allow you to drive off the lot with a car until you have insurance. This is more to protect them than protect you. They want to make sure the car is covered until it is paid in full. There is also likely to be a requirement as to how much insurance you need.
A private owner will most likely not care whether you have insurance or not since you will be taking title of the car right away. In this case, you may have two weeks or so, depending on when the temporary tags expire. It is then likely that you will be required to show proof of insurance before you will be issued permanent tags. This is definitely the case in states that require all drivers be covered under some kind of car insurance.
Car owners who have existing insurance policies will need to talk to their insurance agent. Some policies have a grace period during which the new car is covered under the existing policy. These grace periods vary in terms of their duration, so it is important to carefully review your policy. Other policies do not allow this at all. Your insurance agent can help you determine whether you are covered or not and how long you have before you need to get the additional car covered.
Most states have some type of car insurance regulations in place and they may differ from the requirements of the dealer where you purchase your car. In all cases, it is better to check in advance with your state Department of Motor Vehicles to find out their requirements. Once you know the State’s requirements, you will be in a better position to comply with them. Unless the dealer requires insurance before allowing you to take possession, state law is the standard, and that will likely mean you need to secure car insurance before you can be issued permanent tags for your car.
A Business Owner’s Policy (also known as a BOP policy) is a package policy, providing both property and liability coverage geared toward small to mid-size businesses. They are worthwhile because, unlike separate property and liability policies, they are bundled to contain extra coverage at a low price. Many companies now offer specialized BOP policies for home based businesses or specific classes of business, like retail stores and small restaurants. These policies offer more comprehensive coverage to business owners who may not be able to afford purchasing coverage a la carte.
The property section of a typical BOP policy will include but is not limited to office equipment, furniture, leased or rented equipment, and property belonging to someone else damaged while in your care. This also includes additions to your building and premises that you rent. When deciding on your limit of property insurance, don’t forget to include the cost of your build-out and improvements, equipment used to maintain the building, and permanently attached fixtures. Always consult your lease agreement, if applicable, so you can include any items you are responsible for and confirm that these items are covered.
Liability coverage under the BOP policy covers Bodily Injury and Property Damage claims that you are liable for. A claim can be filed against you for medical bills and expenses resulting from injury, sickness or death caused when you act negligently. If not covered correctly, these situations can drain your financial resources and can result in thousands of dollars out of your pocket.
The most common example is a slip-and-fall accident. These can result from something as simple as spilled liquids, uneven flooring, or narrow stairs. These accidents account for around 17,000 deaths in the United States each year. They are among the most frequently filed claims against small businesses, making it important to carry liability coverage in the event of such unfortunate accidents.
Several key coverages are not included in the basic policy but may be added to the policy by endorsement. A few of these coverages are Automobile, Disability, Health, Worker’s Compensation and Professional Liability. Each business has different needs, meaning not all of these coverages may apply to you. When buying a BOP policy, carefully review what coverages are included and what are not.
Worker’s Compensation is required by most states for businesses with more than one employee and you may need to purchase a separate policy for this coverage. Talk to your insurance representative about the Worker’s Compensation laws in your state.
Buying the right Business Owner’s Policy is a first step in protecting you from the risks inherent to running a business. Carrying this policy may also be a requirement of your rental agreement or leased equipment agreements. By not carrying the right BOP policy, you may be vulnerable to lawsuits or uncovered damages. It is a low cost alternative to out-of-pocket expenses and is packed with coverages which may otherwise be costly.
Ryan Niles is an insurance advisor for NewFirst Insurors, specializing in the development and implementation of risk management strategies for small- to mid-sized businesses in the Texas Coastal region.
Risk events can come in many different shapes and sizes, but regardless of your profession, risk management is something that can give you the edge over potentially damaging risks. For Small Businesses, there are several reasons why Enterprise Risk Management should be implemented. These reasons range from legal obligations to budgetary requirements and below, we highlight four of the foremost reasons for introducing Enterprise Risk Management to your Business.
In large companies, market risk covers the risk that the value of the company’s assets will decrease due to a change in the value of external factors. Changes in interest rates, foreign exchange rates and commodity prices can all negatively impact on a company’s assets. Similarly, changing economic and environmental factors can negatively impact on the productivity of small businesses.
By monitoring market influences and assessing other external influences that could impinge on the company’s market presence, you can protect against market risks and ensure the productivity of the business. For small businesses, accounting for market risks can help ensure projected growth patterns and prosperity. By formulating an enterprise risk management plan, employers can effectively address and mitigate unfavourable market forces.
Operational risk represents the risk of loss from failed internal processes. These risks can arise out of everything from poor or inadequate employee practices to hardware malfunction. While operational risk is relevant to all categories of profession, many small businesses often overlook or underestimate the possibility of operational risk-related events damaging their business. Operational risks such as internal and external fraud, employment practices, business continuity processes can all negatively affect the overall business process of a small enterprise.
Through in-depth analysis, the identification, measurement, monitoring and managing of operational risk, small businesses can ensure the security and efficiency of the operating process. This involves having well-defined and organized roles, segregating duties and responsibilities, and implementing management review mechanisms that will allow employers to account for operational risks and ensure they don’t threaten the business.
Reputation is one of a business’ most important assets, particularly if they operate globally. That said, reputation is everything for small enterprises and start-ups as it represents the extent to which the company is meeting the expectations of its stakeholders, and this can often prove a determining factor in whether or not a small business can take off. While reputation is one of the most important assets of the business, reputational risks are indelibly difficult to protect against. Factors such as negative publicity, whether accurate or not, can compromise the business’ reputation capital while marketing channels such as social media can carry a lot of risk potential.
By defining how you want your business to be perceived, you can begin to clearly identify what risks could negatively impact on the company’s public image. Outlining an enterprise risk management strategy can greatly help a small business to actively monitor the effects of operational incidents on reputation capital and the public perception of the business. This involves an assessment of relationships with consumers, partners and the media as well as assessing the functionality of the business in terms of commitment and quality processes.
Emerging risk accounts for any new risk that is in the process of being quantified and understood. Emerging risks have the potential to substantially impact on a business or insurance policy and significantly damage the company’s reputation, reach and overall process. Emerging risks can infiltrate any part of your business or personal life and have a huge impact, and unfortunately, as there tends not to be any resolute method of predicting and protecting against emerging risks, they are considered some of the most potentially damaging risks that businesses face.
Typical emerging risks include Cyber Risks and Social Media Risks, both of which can be reduced greatly through a comprehensive risk management plan, but other emerging risks such as changing economic factors and wholly unpredictable risks like natural disasters can have devastating consequences for unprepared businesses.
Enterprise Risk Management is all about predicting, preparing for and protecting against the occurrence of a risk event. Each of the risks discussed in this post carry the potential to inflict serious damage on a company’s reputation and overall business process. However, if a small business incorporates each of the aforementioned risks into their overall Enterprise Risk Management plan, they can significantly protect themselves against the possibility of a risk event occurring and devastating the business.
Ensure your Risk Management Strategy is up to scratch with a free risk assessment.
Lonnie Meadows is a risk advisor for NewFirst Insurors. Lonnie specializes in developing commercial risk management plans for small to mid-sized businesses and focuses on leadership and management relationships to improve his clients’ overall operations.
As the U.S. home market slowly recovers, builders are seeing a boost in construction contracts. New commercial buildings are being built at a rapid pace. With these surges in construction, specialized policies like Builder’s Risk provide important protection against exposures that are unique to the building trade.
The Builder’s Risk policy provides protection for homes or commercial buildings under construction, while being remodeled, or undergoing renovation. The policy covers materials like concrete, lumber, and fixtures as well as machinery and equipment used to maintain the building. The policy also covers the cost to remove debris caused by a covered accident, like a fire or lightning strike.
In most cases, a Builder’s Risk policy is required for buildings under construction and purchased when the home or building is at least 30% complete. The limit of insurance is based on the estimated value of the project once its complete. Because the value will increase as glass, framing, and other materials are added, the limit should also be increased. Once the project is done, coverage will end when the building has been taken over by the owner, the work has been complete for 90 days, or the builder has abandoned the project.
Accidents happen and by their nature, they’re never anticipated. An accident can stall or completely stop a building project. To avoid the pitfalls of damage, there are three types of perils coverage to choose from: Limited Perils, Specified Perils, or Special Perils.
Each has their own unique advantages but the most inclusive is Special Peril, which covers accidental losses that are not specifically excluded. While this type of coverage is the most attractive, it is also the most expensive. Though the cost may be more than its counterparts, the broad coverage pays for itself in the event of a large loss that might otherwise have been excluded.
It’s a common misconception that all property policies replace damaged items based on their original replacement value. While many companies sell enhanced policies with special endorsements, like Replacement Cost, a great majority of policies come with Actual Cash Value.
In the event of covered damage to your property, claims are paid on an Actual Cash Value basis by default. This means only the depreciated cost to repair or replace will be paid. This can leave the project with a shortfall in funds and possibly halt further construction. To avoid this common mistake, check the policy and endorsements to ensure that Replacement Cost coverage is included.
While the coverage provided is vital to most building projects, limitations apply. Builder’s Risk does not cover Earthquake, Flood, Steam Boiler, or intentional acts of damage. Because policies vary by company, coverage for materials in transit, equipment such as scaffolding and trailers, or theft of materials may be limited or excluded. For an additional premium, separate policies or endorsements can be added to ensure coverage is in place where it is needed.

lowercased:
how long do i have to purchase car insurance after buying a car?
car insurance can be complicated if a person does not have a good agent to help them through the process. how much do you need? when do you need to buy it? can it be added to an existing policy? this article won’t answer all your questions. it will, however, help answer the question of how soon you need to buy insurance after you purchase a car. the answer can depend on where you purchase your car, your state laws and the existence of any other car insurance policies you may have.
many car lots will not even allow you to drive off the lot with a car until you have insurance. this is more to protect them than protect you. they want to make sure the car is covered until it is paid in full. there is also likely to be a requirement as to how much insurance you need.
a private owner will most likely not care whether you have insurance or not since you will be taking title of the car right away. in this case, you may have two weeks or so, depending on when the temporary tags expire. it is then likely that you will be required to show proof of insurance before you will be issued permanent tags. this is definitely the case in states that require all drivers be covered under some kind of car insurance.
car owners who have existing insurance policies will need to talk to their insurance agent. some policies have a grace period during which the new car is covered under the existing policy. these grace periods vary in terms of their duration, so it is important to carefully review your policy. other policies do not allow this at all. your insurance agent can help you determine whether you are covered or not and how long you have before you need to get the additional car covered.
most states have some type of car insurance regulations in place and they may differ from the requirements of the dealer where you purchase your car. in all cases, it is better to check in advance with your state department of motor vehicles to find out their requirements. once you know the state’s requirements, you will be in a better position to comply with them. unless the dealer requires insurance before allowing you to take possession, state law is the standard, and that will likely mean you need to secure car insurance before you can be issued permanent tags for your car.
a business owner’s policy (also known as a bop policy) is a package policy, providing both property and liability coverage geared toward small to mid-size businesses. they are worthwhile because, unlike separate property and liability policies, they are bundled to contain extra coverage at a low price. many companies now offer specialized bop policies for home based businesses or specific classes of business, like retail stores and small restaurants. these policies offer more comprehensive coverage to business owners who may not be able to afford purchasing coverage a la carte.
the property section of a typical bop policy will include but is not limited to office equipment, furniture, leased or rented equipment, and property belonging to someone else damaged while in your care. this also includes additions to your building and premises that you rent. when deciding on your limit of property insurance, don’t forget to include the cost of your build-out and improvements, equipment used to maintain the building, and permanently attached fixtures. always consult your lease agreement, if applicable, so you can include any items you are responsible for and confirm that these items are covered.
liability coverage under the bop policy covers bodily injury and property damage claims that you are liable for. a claim can be filed against you for medical bills and expenses resulting from injury, sickness or death caused when you act negligently. if not covered correctly, these situations can drain your financial resources and can result in thousands of dollars out of your pocket.
the most common example is a slip-and-fall accident. these can result from something as simple as spilled liquids, uneven flooring, or narrow stairs. these accidents account for around 17,000 deaths in the united states each year. they are among the most frequently filed claims against small businesses, making it important to carry liability coverage in the event of such unfortunate accidents.
several key coverages are not included in the basic policy but may be added to the policy by endorsement. a few of these coverages are automobile, disability, health, worker’s compensation and professional liability. each business has different needs, meaning not all of these coverages may apply to you. when buying a bop policy, carefully review what coverages are included and what are not.
worker’s compensation is required by most states for businesses with more than one employee and you may need to purchase a separate policy for this coverage. talk to your insurance representative about the worker’s compensation laws in your state.
buying the right business owner’s policy is a first step in protecting you from the risks inherent to running a business. carrying this policy may also be a requirement of your rental agreement or leased equipment agreements. by not carrying the right bop policy, you may be vulnerable to lawsuits or uncovered damages. it is a low cost alternative to out-of-pocket expenses and is packed with coverages which may otherwise be costly.
ryan niles is an insurance advisor for newfirst insurors, specializing in the development and implementation of risk management strategies for small- to mid-sized businesses in the texas coastal region.
risk events can come in many different shapes and sizes, but regardless of your profession, risk management is something that can give you the edge over potentially damaging risks. for small businesses, there are several reasons why enterprise risk management should be implemented. these reasons range from legal obligations to budgetary requirements and below, we highlight four of the foremost reasons for introducing enterprise risk management to your business.
in large companies, market risk covers the risk that the value of the company’s assets will decrease due to a change in the value of external factors. changes in interest rates, foreign exchange rates and commodity prices can all negatively impact on a company’s assets. similarly, changing economic and environmental factors can negatively impact on the productivity of small businesses.
by monitoring market influences and assessing other external influences that could impinge on the company’s market presence, you can protect against market risks and ensure the productivity of the business. for small businesses, accounting for market risks can help ensure projected growth patterns and prosperity. by formulating an enterprise risk management plan, employers can effectively address and mitigate unfavourable market forces.
operational risk represents the risk of loss from failed internal processes. these risks can arise out of everything from poor or inadequate employee practices to hardware malfunction. while operational risk is relevant to all categories of profession, many small businesses often overlook or underestimate the possibility of operational risk-related events damaging their business. operational risks such as internal and external fraud, employment practices, business continuity processes can all negatively affect the overall business process of a small enterprise.
through in-depth analysis, the identification, measurement, monitoring and managing of operational risk, small businesses can ensure the security and efficiency of the operating process. this involves having well-defined and organized roles, segregating duties and responsibilities, and implementing management review mechanisms that will allow employers to account for operational risks and ensure they don’t threaten the business.
reputation is one of a business’ most important assets, particularly if they operate globally. that said, reputation is everything for small enterprises and start-ups as it represents the extent to which the company is meeting the expectations of its stakeholders, and this can often prove a determining factor in whether or not a small business can take off. while reputation is one of the most important assets of the business, reputational risks are indelibly difficult to protect against. factors such as negative publicity, whether accurate or not, can compromise the business’ reputation capital while marketing channels such as social media can carry a lot of risk potential.
by defining how you want your business to be perceived, you can begin to clearly identify what risks could negatively impact on the company’s public image. outlining an enterprise risk management strategy can greatly help a small business to actively monitor the effects of operational incidents on reputation capital and the public perception of the business. this involves an assessment of relationships with consumers, partners and the media as well as assessing the functionality of the business in terms of commitment and quality processes.
emerging risk accounts for any new risk that is in the process of being quantified and understood. emerging risks have the potential to substantially impact on a business or insurance policy and significantly damage the company’s reputation, reach and overall process. emerging risks can infiltrate any part of your business or personal life and have a huge impact, and unfortunately, as there tends not to be any resolute method of predicting and protecting against emerging risks, they are considered some of the most potentially damaging risks that businesses face.
typical emerging risks include cyber risks and social media risks, both of which can be reduced greatly through a comprehensive risk management plan, but other emerging risks such as changing economic factors and wholly unpredictable risks like natural disasters can have devastating consequences for unprepared businesses.
enterprise risk management is all about predicting, preparing for and protecting against the occurrence of a risk event. each of the risks discussed in this post carry the potential to inflict serious damage on a company’s reputation and overall business process. however, if a small business incorporates each of the aforementioned risks into their overall enterprise risk management plan, they can significantly protect themselves against the possibility of a risk event occurring and devastating the business.
ensure your risk management strategy is up to scratch with a free risk assessment.
lonnie meadows is a risk advisor for newfirst insurors. lonnie specializes in developing commercial risk management plans for small to mid-sized businesses and focuses on leadership and management relationships to improve his clients’ overall operations.
as the u.s. home market slowly recovers, builders are seeing a boost in construction contracts. new commercial buildings are being built at a rapid pace. with these surges in construction, specialized policies like builder’s risk provide important protection against exposures that are unique to the building trade.
the builder’s risk policy provides protection for homes or commercial buildings under construction, while being remodeled, or undergoing renovation. the policy covers materials like concrete, lumber, and fixtures as well as machinery and equipment used to maintain the building. the policy also covers the cost to remove debris caused by a covered accident, like a fire or lightning strike.
in most cases, a builder’s risk policy is required for buildings under construction and purchased when the home or building is at least 30% complete. the limit of insurance is based on the estimated value of the project once its complete. because the value will increase as glass, framing, and other materials are added, the limit should also be increased. once the project is done, coverage will end when the building has been taken over by the owner, the work has been complete for 90 days, or the builder has abandoned the project.
accidents happen and by their nature, they’re never anticipated. an accident can stall or completely stop a building project. to avoid the pitfalls of damage, there are three types of perils coverage to choose from: limited perils, specified perils, or special perils.
each has their own unique advantages but the most inclusive is special peril, which covers accidental losses that are not specifically excluded. while this type of coverage is the most attractive, it is also the most expensive. though the cost may be more than its counterparts, the broad coverage pays for itself in the event of a large loss that might otherwise have been excluded.
it’s a common misconception that all property policies replace damaged items based on their original replacement value. while many companies sell enhanced policies with special endorsements, like replacement cost, a great majority of policies come with actual cash value.
in the event of covered damage to your property, claims are paid on an actual cash value basis by default. this means only the depreciated cost to repair or replace will be paid. this can leave the project with a shortfall in funds and possibly halt further construction. to avoid this common mistake, check the policy and endorsements to ensure that replacement cost coverage is included.
while the coverage provided is vital to most building projects, limitations apply. builder’s risk does not cover earthquake, flood, steam boiler, or intentional acts of damage. because policies vary by company, coverage for materials in transit, equipment such as scaffolding and trailers, or theft of materials may be limited or excluded. for an additional premium, separate policies or endorsements can be added to ensure coverage is in place where it is needed.


text:
Communication and website support is easy when you deal with a local website design specialist.
All of our work is completed at our office on the Gold Coast, we don’t outsource your project to an unreliable overseas website developer.
We have an efficient web design and development process that gets you a quick and easy to use website in the timeframe you require.
We are able to work closely with you to get the final product that delivers results.
We can transform your concept into online marketing tool, from simple single page websites, to complete database driven applications, we are the number one choice for web design through-out Australia.
When you contact us you can be guaranteed that you will receive the best in quality, service and price, whether you are looking for a website for your business, an online shop or custom web design, we are your local website specialists in Australia.
Explain more about your web project?
for business and the industry trends.
Specialising in quality web solutions!

lowercased:
communication and website support is easy when you deal with a local website design specialist.
all of our work is completed at our office on the gold coast, we don’t outsource your project to an unreliable overseas website developer.
we have an efficient web design and development process that gets you a quick and easy to use website in the timeframe you require.
we are able to work closely with you to get the final product that delivers results.
we can transform your concept into online marketing tool, from simple single page websites, to complete database driven applications, we are the number one choice for web design through-out australia.
when you contact us you can be guaranteed that you will receive the best in quality, service and price, whether you are looking for a website for your business, an online shop or custom web design, we are your local website specialists in australia.
explain more about your web project?
for business and the industry trends.
specialising in quality web solutions!


text:
Hi! You can call me polite, n, or blue. I like to draw, cook, and write. I spend my days as a housebound husband, working from home and spending lots of happy hours with the girlfriend.
I may grab a sketch comic from you in the future, don't know when, but it will probably happen.

lowercased:
hi! you can call me polite, n, or blue. i like to draw, cook, and write. i spend my days as a housebound husband, working from home and spending lots of happy hours with the girlfriend.
i may grab a sketch comic from you in the future, don't know when, but it will probably happen.


text:
If you’re thinking of applying for a loan to buy a house here in Shelby County, it’s easier than ever to get confused, given the incredible variety of loans offered by banks, loan companies, credit unions and other groups. It’s also possible to completely overlook what could be the perfect loan program, which is all the more reason why you should have a knowledgeable lender helping you.
First Step and Step Up are two more loan programs you should know about. These are bond money loans offered by the State of Alabama, and have wound up helping many home buyers in our area. First Federal Mortgage Loan Officer KC Haririan, who joined us for our Netcast last month, is back with us again to talk about these two programs (he has plenty of experience with helping buyers apply for both).
We also discuss the current lending climate here in Shelby County, and what you’re about to hear may surprise you. With all the media attention devoted to the credit crunch, a lot of folks may be shying away, thinking they have no chance of qualifying for a loan. But as we learn from KC, that’s not always necessarily true.
Click the player just below to listen to our latest Netcast interview with KC–we hope you enjoy it, and that you find the information useful.
Pricing Right in Shelby County Pays!
Okay, we know. You’ve heard the line about how important pricing your home can be. But would you like to see a real world example of how this works here in Shelby county? Consider the case of several homes for sale in one part of Alabaster.
We looked at the sales of single level homes during the past six months (this was done as part of a Comparative Market Analysis we ran for a client who lives in the neighborhood). For all the homes that sold during the six month period, the average number of days on market was 73, and the average selling price was $ 147,000. On average, the homes that sold got 98.7% of their asking price. Not bad, huh!
Obviously, not all homes for sale in the neighborhood have sold during that six month time frame. Those single level homes still for sale (active listings) in the same area have been on the market for an average of 130 days, or nearly twice as long as the houses that sold. And the average asking price for those same homes is between $ 155,000 and $ 165,000. So, do these numbers say anything? You bet.
To me, that’s a true reflection that these houses are simply overpriced.
So, what does all this mean? Simple. Pricing is your key to controlling how soon you want to sell your home. Like it or not, price is a clear indicator of a homeowner’s true motivation to sell. The price you select will help decide whether you enjoy the sweet smell of success in a shorter time frame, or whether your house stays (and stays!) on the market for many weeks or months longer.
Are you hearing talk among some sellers that the Shelby County housing market has gone soft? Don’t believe it. Homes are selling. The simple fact is that buyers are looking for the best deals they can find, and are passing up those homes they consider priced too high.

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if you’re thinking of applying for a loan to buy a house here in shelby county, it’s easier than ever to get confused, given the incredible variety of loans offered by banks, loan companies, credit unions and other groups. it’s also possible to completely overlook what could be the perfect loan program, which is all the more reason why you should have a knowledgeable lender helping you.
first step and step up are two more loan programs you should know about. these are bond money loans offered by the state of alabama, and have wound up helping many home buyers in our area. first federal mortgage loan officer kc haririan, who joined us for our netcast last month, is back with us again to talk about these two programs (he has plenty of experience with helping buyers apply for both).
we also discuss the current lending climate here in shelby county, and what you’re about to hear may surprise you. with all the media attention devoted to the credit crunch, a lot of folks may be shying away, thinking they have no chance of qualifying for a loan. but as we learn from kc, that’s not always necessarily true.
click the player just below to listen to our latest netcast interview with kc–we hope you enjoy it, and that you find the information useful.
pricing right in shelby county pays!
okay, we know. you’ve heard the line about how important pricing your home can be. but would you like to see a real world example of how this works here in shelby county? consider the case of several homes for sale in one part of alabaster.
we looked at the sales of single level homes during the past six months (this was done as part of a comparative market analysis we ran for a client who lives in the neighborhood). for all the homes that sold during the six month period, the average number of days on market was 73, and the average selling price was $ 147,000. on average, the homes that sold got 98.7% of their asking price. not bad, huh!
obviously, not all homes for sale in the neighborhood have sold during that six month time frame. those single level homes still for sale (active listings) in the same area have been on the market for an average of 130 days, or nearly twice as long as the houses that sold. and the average asking price for those same homes is between $ 155,000 and $ 165,000. so, do these numbers say anything? you bet.
to me, that’s a true reflection that these houses are simply overpriced.
so, what does all this mean? simple. pricing is your key to controlling how soon you want to sell your home. like it or not, price is a clear indicator of a homeowner’s true motivation to sell. the price you select will help decide whether you enjoy the sweet smell of success in a shorter time frame, or whether your house stays (and stays!) on the market for many weeks or months longer.
are you hearing talk among some sellers that the shelby county housing market has gone soft? don’t believe it. homes are selling. the simple fact is that buyers are looking for the best deals they can find, and are passing up those homes they consider priced too high.


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Knowledge, experience and a passion for plants lie at the heart of the Fructoplant brand. Thanks to three generations of nurserymen from the Buła and the Żabka family being willing to work so conscientiously, our customers are provided with more than 5 million healthy, resilient and productive seedlings of trees, shrubs and roses propagated and grown in Poland each year.
Fructoplant is a multigenerational family company founded by the Buła and the Żabka families. Przemysław and Piotr decided to do a merger between two family-owned enterprises, they grew their business and developed large-scale production. Ever-increasing number of customers and various prizes Fructoplant is awarded every year present the best possible evidence of the company credibility.
Fructoplant equals the knowledge and experience gathered by several generations, driven by modern trends and inspired by technology. The love for plants and willingness to share knowledge and support both hobbyists and professionals result in high-quality products and customer satisfaction.

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knowledge, experience and a passion for plants lie at the heart of the fructoplant brand. thanks to three generations of nurserymen from the buła and the żabka family being willing to work so conscientiously, our customers are provided with more than 5 million healthy, resilient and productive seedlings of trees, shrubs and roses propagated and grown in poland each year.
fructoplant is a multigenerational family company founded by the buła and the żabka families. przemysław and piotr decided to do a merger between two family-owned enterprises, they grew their business and developed large-scale production. ever-increasing number of customers and various prizes fructoplant is awarded every year present the best possible evidence of the company credibility.
fructoplant equals the knowledge and experience gathered by several generations, driven by modern trends and inspired by technology. the love for plants and willingness to share knowledge and support both hobbyists and professionals result in high-quality products and customer satisfaction.


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Check Engine Light - What Does It Mean?
The Check Engine Light (CEL) is an integral part of your vehicle’s Onboard Diagnostics System. The problem is that an illuminated CEL can mean pretty much anything: Your gas cap could be loose or, in a worst case scenario, your engine could be malfunctioning.
Really, the CEL is merely an indicator something in or on the vehicle is (most likely) not performing as it should. Once the vehicle’s electronic control system finds a problem it cannot adjust it will illuminate the warning light and store a code in its memory indicating the problem.
In 1996 vehicle manufacturers were required to adopt standardized diagnostic trouble codes, and nowadays mechanics can quickly diagnose problems simply by inserting a device into the vehicle that reads these codes (called a ‘Code Reader’). In fact, mechanically inclined readers can even purchase a Code Reader at a hardware store and insert and read the vehicles code themselves.
However, there a few things to consider before you purchase a code reader: For example, the problem isn’t always what’s indicated in the code. The code could indicate a faulty battery, when in fact the wires connected to the battery have simply been frayed over time. Purchasing a new battery might also be a good idea, but the CEL likely won’t turn off until the faulty wires are also replaced.
In truth, your dealer or mechanic is best suited to fix your CEL. They have invested thousands in equipment to be able to properly service your vehicle and no one knows your vehicle better than a certified mechanic.
Best of all, the ODB scan is (likely) covered under your factory warranty, so you won’t pay a cent. Those not covered under warranty will pay $125 at WallceChev, which includes a full scan, diagnostic assessment, and work order. We’ll also fully explain the problem, what caused it and the steps to get you back on the road, safely.
Ignoring the problem can also be a bad idea: We frequently see vehicles with repairs that could be avoided had the issue been diagnosed earlier. A healthy car is a happy car!
Now that you know how to turn off the CEL… do you know what could cause your Check Engline Light to switch on?

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check engine light - what does it mean?
the check engine light (cel) is an integral part of your vehicle’s onboard diagnostics system. the problem is that an illuminated cel can mean pretty much anything: your gas cap could be loose or, in a worst case scenario, your engine could be malfunctioning.
really, the cel is merely an indicator something in or on the vehicle is (most likely) not performing as it should. once the vehicle’s electronic control system finds a problem it cannot adjust it will illuminate the warning light and store a code in its memory indicating the problem.
in 1996 vehicle manufacturers were required to adopt standardized diagnostic trouble codes, and nowadays mechanics can quickly diagnose problems simply by inserting a device into the vehicle that reads these codes (called a ‘code reader’). in fact, mechanically inclined readers can even purchase a code reader at a hardware store and insert and read the vehicles code themselves.
however, there a few things to consider before you purchase a code reader: for example, the problem isn’t always what’s indicated in the code. the code could indicate a faulty battery, when in fact the wires connected to the battery have simply been frayed over time. purchasing a new battery might also be a good idea, but the cel likely won’t turn off until the faulty wires are also replaced.
in truth, your dealer or mechanic is best suited to fix your cel. they have invested thousands in equipment to be able to properly service your vehicle and no one knows your vehicle better than a certified mechanic.
best of all, the odb scan is (likely) covered under your factory warranty, so you won’t pay a cent. those not covered under warranty will pay $125 at wallcechev, which includes a full scan, diagnostic assessment, and work order. we’ll also fully explain the problem, what caused it and the steps to get you back on the road, safely.
ignoring the problem can also be a bad idea: we frequently see vehicles with repairs that could be avoided had the issue been diagnosed earlier. a healthy car is a happy car!
now that you know how to turn off the cel… do you know what could cause your check engline light to switch on?


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Our Signature facial with a hydrating masque is essential for sun damaged, dehydrated, and mature skin. We start with an Ultrasonic cleanse to deep clean your pores and ready your skin for intense hydration and infusion of growth factors, proteins, and antioxidants to reverse the signs of aging. The skin looks refreshed, healthy and radiant immediately post treatment. Includes double cleanse, steam, exfoliant, extractions if needed, mask, anti-aging serums with growth factors to restore collagen, hydrator with SPF, and a nourishing hand massage, face, and décolleté massage. 60 minutes. For dry, dehydrated or sun damaged skin types.
A detoxifying facial ideal for oily and acne-prone skin. A galvanic device is used to produce a chemical change in the skin that improves circulation and deeply cleanses the skin to dislodge impurities and prepare the skin for extractions. A special facial massage will balance excess sebum production and an application of the purifying masque will soothe inflamed skin. Ends with a high-frequency treatment to kill acne causing bacteria. Includes an AHA/BHA exfoliating cleanse with steam, galvanic, extractions, mask, acne treatment, hydrator with SPF, and a nourishing hand, face, and décolleté massage. 60 minutes. For oily, congested and/or acneic skin types.
Designed to provide gentle hydration for the most sensitive skin types. Our calming Masque with green tea and chamomile will help restore moisture balance to the skin while calming irritated or inflamed skin. A calming cool globe treatment works to soothe and calm the skin as well as improve lymphatic flow, and reduce pore size and redness. Warm facial towels will replace the steam for this treatment. Includes double cleanse, gentle exfoliant, extractions if needed, mask, cool globe treatment, anti-aging serum with growth factors to restore collagen, hydrator with SPF, and a nourishing hand, face, and décolleté massage. 60 minutes. For sensitive, irritated, or rosacea skin types.

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our signature facial with a hydrating masque is essential for sun damaged, dehydrated, and mature skin. we start with an ultrasonic cleanse to deep clean your pores and ready your skin for intense hydration and infusion of growth factors, proteins, and antioxidants to reverse the signs of aging. the skin looks refreshed, healthy and radiant immediately post treatment. includes double cleanse, steam, exfoliant, extractions if needed, mask, anti-aging serums with growth factors to restore collagen, hydrator with spf, and a nourishing hand massage, face, and décolleté massage. 60 minutes. for dry, dehydrated or sun damaged skin types.
a detoxifying facial ideal for oily and acne-prone skin. a galvanic device is used to produce a chemical change in the skin that improves circulation and deeply cleanses the skin to dislodge impurities and prepare the skin for extractions. a special facial massage will balance excess sebum production and an application of the purifying masque will soothe inflamed skin. ends with a high-frequency treatment to kill acne causing bacteria. includes an aha/bha exfoliating cleanse with steam, galvanic, extractions, mask, acne treatment, hydrator with spf, and a nourishing hand, face, and décolleté massage. 60 minutes. for oily, congested and/or acneic skin types.
designed to provide gentle hydration for the most sensitive skin types. our calming masque with green tea and chamomile will help restore moisture balance to the skin while calming irritated or inflamed skin. a calming cool globe treatment works to soothe and calm the skin as well as improve lymphatic flow, and reduce pore size and redness. warm facial towels will replace the steam for this treatment. includes double cleanse, gentle exfoliant, extractions if needed, mask, cool globe treatment, anti-aging serum with growth factors to restore collagen, hydrator with spf, and a nourishing hand, face, and décolleté massage. 60 minutes. for sensitive, irritated, or rosacea skin types.


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Collection, use, access and/or disclosure of personal health information is governed by Ontario law (Personal Health Information Protection Act 2004). You have a right, by law, to access your own hospital health record either by viewing or requesting a copy.
You can obtain a copy of your own hospital health record by submitting a written request to the Health Records department.
A person can review their own health record at the health care facility where they were treated, by submitting a written request to the Health Records department.
In the case of a conflict, the capable patient's decision prevails with respect to consent for the collection, use and/or disclosure of their personal health information.
If you are requesting a copy of the hospital record of a patient that is deceased, you must submit proof of your legal signing authority as well as a written request, to the Health Records department.
You can request that a copy of your hospital health record be released to a lawyer, insurance company, or any other third party specified by you, by submitting a written request to the Health Records department.
When requested, copies of your health record may be released to health care providers outside the hospital to ensure the best continuing care for you. Your attending physician at the hospital may also share reports or summaries of your treatment at the hospital with other physicians and health care providers involved in your care to ensure they are aware of treatments or medications that may affect your ongoing care.

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collection, use, access and/or disclosure of personal health information is governed by ontario law (personal health information protection act 2004). you have a right, by law, to access your own hospital health record either by viewing or requesting a copy.
you can obtain a copy of your own hospital health record by submitting a written request to the health records department.
a person can review their own health record at the health care facility where they were treated, by submitting a written request to the health records department.
in the case of a conflict, the capable patient's decision prevails with respect to consent for the collection, use and/or disclosure of their personal health information.
if you are requesting a copy of the hospital record of a patient that is deceased, you must submit proof of your legal signing authority as well as a written request, to the health records department.
you can request that a copy of your hospital health record be released to a lawyer, insurance company, or any other third party specified by you, by submitting a written request to the health records department.
when requested, copies of your health record may be released to health care providers outside the hospital to ensure the best continuing care for you. your attending physician at the hospital may also share reports or summaries of your treatment at the hospital with other physicians and health care providers involved in your care to ensure they are aware of treatments or medications that may affect your ongoing care.


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The University of Brighton’s School of Architecture and Design is delighted to announce that its annual graduate show will take place on Hastings Pier.
Hastings Pier recently awarded the RIBA’s Stirling prize, hosts a wide range of activities. This Year’s student show will coincide with a monthly food market, outdoor performances of A Midsummer Night’s Dream and the regions annual 1066 cycle festival. Saturday will include talks by designers and architects, including the Pier’s architect.
Full details on the show can be found here.

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the university of brighton’s school of architecture and design is delighted to announce that its annual graduate show will take place on hastings pier.
hastings pier recently awarded the riba’s stirling prize, hosts a wide range of activities. this year’s student show will coincide with a monthly food market, outdoor performances of a midsummer night’s dream and the regions annual 1066 cycle festival. saturday will include talks by designers and architects, including the pier’s architect.
full details on the show can be found here.


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Buses serve Beatty on Thursdays only. Free service.
This page was last edited on 9 April 2019, at 14:08.

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buses serve beatty on thursdays only. free service.
this page was last edited on 9 april 2019, at 14:08.


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Anyone working in a cold environment may be at risk of cold stress. This includes workers required to work outdoors in cold environments and indoor workers that spend the majority of their work shift in cold rooms without health and safety guidelines specific to these moderately cold temperatures.
A cold environment drives down the skin temperature, and, eventually, the internal body temperature. As a result, the body is forced to work harder to maintain its normal temperature. Whenever temperatures drop below normal and wind speed increases, heat leaves your body more rapidly, and the body’s ability to warm itself decreases. When the body is unable to warm itself, cold stress occurs. This can lead to serious cold-related illnesses and injuries, permanent tissue damage, and even death.
Employees who work in cold temperatures are subject to three major causes of cold stress that can lead to injury—frostbite, hypothermia, and trench foot.

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anyone working in a cold environment may be at risk of cold stress. this includes workers required to work outdoors in cold environments and indoor workers that spend the majority of their work shift in cold rooms without health and safety guidelines specific to these moderately cold temperatures.
a cold environment drives down the skin temperature, and, eventually, the internal body temperature. as a result, the body is forced to work harder to maintain its normal temperature. whenever temperatures drop below normal and wind speed increases, heat leaves your body more rapidly, and the body’s ability to warm itself decreases. when the body is unable to warm itself, cold stress occurs. this can lead to serious cold-related illnesses and injuries, permanent tissue damage, and even death.
employees who work in cold temperatures are subject to three major causes of cold stress that can lead to injury—frostbite, hypothermia, and trench foot.


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Sometimes when homeowners lose their homes to the bank, what they leave behind isn’t in good enough condition for sale. That’s when builders like us are called in to help fix things up.
The sun room needed a bit of work, but cleaned up nicely.
Take a look at how the family room came out.
And we also did work in the basement. All in all, this house cleaned up beautifully and we were pleased to leave it ready for new owners.

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sometimes when homeowners lose their homes to the bank, what they leave behind isn’t in good enough condition for sale. that’s when builders like us are called in to help fix things up.
the sun room needed a bit of work, but cleaned up nicely.
take a look at how the family room came out.
and we also did work in the basement. all in all, this house cleaned up beautifully and we were pleased to leave it ready for new owners.


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At Toms Auto Center, we want our customers in Gloucester, MA, Peabody, MA, Beverly, MA, and surrounding areas to get the most out of their vehicles.
What’s the key to keeping your car running for a long time? Following the recommended maintenance intervals outlined in your owner’s manual and checking for potential problems before they happen are essential to overall vehicle maintenance. But when the time for necessary auto repairs arrives, remember where to turn: Toms Auto Center.

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at toms auto center, we want our customers in gloucester, ma, peabody, ma, beverly, ma, and surrounding areas to get the most out of their vehicles.
what’s the key to keeping your car running for a long time? following the recommended maintenance intervals outlined in your owner’s manual and checking for potential problems before they happen are essential to overall vehicle maintenance. but when the time for necessary auto repairs arrives, remember where to turn: toms auto center.


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Love love the Cape top. The quality looks and feels like a high end . Fits perfect no bra showing under arms. True to size.
Got a 1X, it is beautiful and fits great. Going back to order in another color.
Good price point for a great looking outfit!
I originally ordered a large and it was really big on me :-). So I sent back and exchanged for a medium and I'm so glad I did. I fits perfectly. I love the material and it's just beautiful. I love the style. I'm an Iman girl. Closet full of her designs.

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love love the cape top. the quality looks and feels like a high end . fits perfect no bra showing under arms. true to size.
got a 1x, it is beautiful and fits great. going back to order in another color.
good price point for a great looking outfit!
i originally ordered a large and it was really big on me :-). so i sent back and exchanged for a medium and i'm so glad i did. i fits perfectly. i love the material and it's just beautiful. i love the style. i'm an iman girl. closet full of her designs.


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The CompactFlash Association released version 5.0 of the CF specification. The new standard uses a 48-bit addressing system that raises the maximum storage capacity from 137GB to a humongous 144PB (1PB = 1,000 terabytes). Other improvements include more efficiency data transfer, more efficient cleanup of unused space, ATA standard update, optional "Video Performance Guarantee", and new electrical specification to enable easier and better card design.
To help manufacturers and consumers differentiate the new CF5 cards, the CompactFlash Association has created an evolutionary CF5 compatibility mark. Additionally, since the Video Performance Guarantee feature is optional, the CompactFlash Association has created a Video Performance Guarantee compatibility mark that host and card manufactures can use to help end users choose the right card.

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the compactflash association released version 5.0 of the cf specification. the new standard uses a 48-bit addressing system that raises the maximum storage capacity from 137gb to a humongous 144pb (1pb = 1,000 terabytes). other improvements include more efficiency data transfer, more efficient cleanup of unused space, ata standard update, optional "video performance guarantee", and new electrical specification to enable easier and better card design.
to help manufacturers and consumers differentiate the new cf5 cards, the compactflash association has created an evolutionary cf5 compatibility mark. additionally, since the video performance guarantee feature is optional, the compactflash association has created a video performance guarantee compatibility mark that host and card manufactures can use to help end users choose the right card.


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Can the stock e36 rear speakers be easily replaced with a pair of 6X9's ?
I don't want to do any cutting, but don't mind drilling for mounting screws.
If you DON'T wanna do any modifications than NO it will NOT fit!
5-1/4" are the only size that fits!
if you don't mine drilling / mounting screws + nuts, then yes it fits no problem.
I've seen adapters, or you can easily make adapters out of MDF for the parcel tray.
Sounds possible. Thanks for the reponses.
are you going to us subs too???
Maybe just a single 10" that I have kicking around. Not really looking for a bass machine, but nice clear sound.
and if I don't use a sub ?
has anyone done this before, and are there any sites that explain how to? Because I have a pair of 6x9's infinity kappa's that I would love to use rather than have them sitting around in my garage.
Infinity Kappa? Yummy... some of my favorite car audio speakers of all time.
How do it is fairly simple.
2. Trace the shape of the box onto the MDF. Cut it out.
3. Mark the mounting screws for the stock box. Drill those holes out.
4. Trace the shape of your 6x9's in the middle of the cutout, along with the mounting screw holes.
5. Cut out the hole for the 6x9's, and drill out the screw holes.
6. Screw (nut & bolt?) the 6x9's to your MDF bracket.
7. Mount the bracket w/ speaker to your rear shelf.
This will make a free-air bracket. If you have subwoofers in your trunk it's advised to keep your rear speakers in a box to allow them to play in a separate airspace. Also test the excursion of your speakers to make sure it won't hit the bracket. The thickness of the MDF can act as a buffer to space out the speaker cone from hitting the rear deck under extreme use.
if ur gonna have a sub, dont bother replacing any speakers unless they are really ****ed up and the cones are ripped. i got a 10"sub in thursdays and my deck has a featuer where i can turn off the base to the speakers and make it only go to the sub. this way the speakers produce only highs which even for old speakers is easy.
This will make a free-air bracket. If you have subwoofers in your trunk it's advised to keep your rear speakers in a box to allow them to play in a separate airspace.
Even if you don't have a sub in the trunk, is there any advantage to placing 6x9's into an mdf enclosure when mounted under the deck. Will it improve sound at all?
Yes definitely helps to put it in a sealed enclosure---the back pressure will help tune the sound of the speaker, and will help reduce excessive vibrations which cause distortion, and can cause the surround to rip eventually.

lowercased:
can the stock e36 rear speakers be easily replaced with a pair of 6x9's ?
i don't want to do any cutting, but don't mind drilling for mounting screws.
if you don't wanna do any modifications than no it will not fit!
5-1/4" are the only size that fits!
if you don't mine drilling / mounting screws + nuts, then yes it fits no problem.
i've seen adapters, or you can easily make adapters out of mdf for the parcel tray.
sounds possible. thanks for the reponses.
are you going to us subs too???
maybe just a single 10" that i have kicking around. not really looking for a bass machine, but nice clear sound.
and if i don't use a sub ?
has anyone done this before, and are there any sites that explain how to? because i have a pair of 6x9's infinity kappa's that i would love to use rather than have them sitting around in my garage.
infinity kappa? yummy... some of my favorite car audio speakers of all time.
how do it is fairly simple.
2. trace the shape of the box onto the mdf. cut it out.
3. mark the mounting screws for the stock box. drill those holes out.
4. trace the shape of your 6x9's in the middle of the cutout, along with the mounting screw holes.
5. cut out the hole for the 6x9's, and drill out the screw holes.
6. screw (nut & bolt?) the 6x9's to your mdf bracket.
7. mount the bracket w/ speaker to your rear shelf.
this will make a free-air bracket. if you have subwoofers in your trunk it's advised to keep your rear speakers in a box to allow them to play in a separate airspace. also test the excursion of your speakers to make sure it won't hit the bracket. the thickness of the mdf can act as a buffer to space out the speaker cone from hitting the rear deck under extreme use.
if ur gonna have a sub, dont bother replacing any speakers unless they are really ****ed up and the cones are ripped. i got a 10"sub in thursdays and my deck has a featuer where i can turn off the base to the speakers and make it only go to the sub. this way the speakers produce only highs which even for old speakers is easy.
this will make a free-air bracket. if you have subwoofers in your trunk it's advised to keep your rear speakers in a box to allow them to play in a separate airspace.
even if you don't have a sub in the trunk, is there any advantage to placing 6x9's into an mdf enclosure when mounted under the deck. will it improve sound at all?
yes definitely helps to put it in a sealed enclosure---the back pressure will help tune the sound of the speaker, and will help reduce excessive vibrations which cause distortion, and can cause the surround to rip eventually.


text:
For a more detailed park map, click here.
We also have local Grand Lake area maps available as well! For additional maps and other area info please visit the Grand Lake visitor center, located at the corner of West Portal Road and Highway 34, just a short distance from the entrance to Rocky Mountain National Park.

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for a more detailed park map, click here.
we also have local grand lake area maps available as well! for additional maps and other area info please visit the grand lake visitor center, located at the corner of west portal road and highway 34, just a short distance from the entrance to rocky mountain national park.


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SelenaLynn . LionessBlue. KattyAny. HenryMood.
GoldenBlackAnaemyalways4uBewitchEyesUKataleyaQueen .OneCuteTeenmarjorie66A1DominantBoyXLCarolXHotx .SandraCooperJolieEverettMichelleHussyIsabeliSweet .OneCuteTeenJulySexxsilvanazeveDaineris .LillyAnySensualGirleyesDannaLoveSexJaneBrown .JaneBrownOneCuteTeenSexyAngel1000000saragirlpretty .DearDiana20HenryMoodIsabeliSweetInterracialInked .JennaxDiamondLillyAnyJolieEverettParfaitLady .CarolXHotxParfaitLadyMannyCanoon23CmVsGirl .HenryMoodMidniteLadySofiHinesBustyLover .SofiaCharmingCamiloCoolLollyMirabellaBustyLover .
hombremoreno1GoldenBlackAna23CmVsGirllovetocumwithu .NaturalXBeautyXcouplexlatinaSofiaCharmingHotking .hombremoreno1BritneyHotAssAakritiaMidniteLady .OscarHantlovedayapaulinastarsaragirlpretty .paulinastarpaulinastarOneCuteTeenJulySexx .RosieSheaSexyAlive55MissAnnelysParfaitLady .MidniteLadyBlondeEmilyeatmyASS18SofiHines .GoldenBlackAnaLiluushWinterelisadreamsSexyAlive55 .EmmaWillddLauriLianaOneNewHenryMood .BlondeEmilysaxyjojolinaxTsBomBasticNaturalXBeautyX .MannyCanoonBOOTYM3DOWNnormanCubdarkangeljasmin .

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selenalynn . lionessblue. kattyany. henrymood.
goldenblackanaemyalways4ubewitcheyesukataleyaqueen .onecuteteenmarjorie66a1dominantboyxlcarolxhotx .sandracooperjolieeverettmichellehussyisabelisweet .onecuteteenjulysexxsilvanazevedaineris .lillyanysensualgirleyesdannalovesexjanebrown .janebrownonecuteteensexyangel1000000saragirlpretty .deardiana20henrymoodisabelisweetinterracialinked .jennaxdiamondlillyanyjolieeverettparfaitlady .carolxhotxparfaitladymannycanoon23cmvsgirl .henrymoodmidniteladysofihinesbustylover .sofiacharmingcamilocoollollymirabellabustylover .
hombremoreno1goldenblackana23cmvsgirllovetocumwithu .naturalxbeautyxcouplexlatinasofiacharminghotking .hombremoreno1britneyhotassaakritiamidnitelady .oscarhantlovedayapaulinastarsaragirlpretty .paulinastarpaulinastaronecuteteenjulysexx .rosiesheasexyalive55missannelysparfaitlady .midniteladyblondeemilyeatmyass18sofihines .goldenblackanaliluushwinterelisadreamssexyalive55 .emmawillddlaurilianaonenewhenrymood .blondeemilysaxyjojolinaxtsbombasticnaturalxbeautyx .mannycanoonbootym3downnormancubdarkangeljasmin .


text:
Submitted by tupdegrove on Sat, 12/20/2008 - 10:19am.
Individual (non-commercial) Christmas Light displays from Bill White's 17th (2008) Annual Christmas Light Tour published in the Morning Call newspaper (www.mcall.com) covering the Lehigh Valley, PA (Lehigh and Northampton Counties). All nominees are listed with one star (*) given to homes mentioned in the article, two stars for special mention, and three stars to displays labeled "spectacular".
Special thanks to Bill White for providing the list of nominees. Check out the Morning Call web site for pictures, audio, virtual tour of one home, etc. Addresses were automatically geocoded to address accuracy.
www.poi-factory.com/node/1631 - good link for new users on how to load POI files into GPS unit. Once loaded into the GPS unit, Garmin users can select "Where To?", "Extras", "Custom POIs", and finally "XmasLitesLehighValley".
Corrections are welcome, and can be posted in the discussion thread listed below or sent to me via my contact tab.
12/24/08 - changed 945 N Van Buren to one star, changed 2136 Lincoln St to two stars, changed Peace Candle to one star, changed 3415 Oregon to three stars, slightly adjusted location of 203 N Church St, changed the location of 4674 Willow Ln and made it two stars.
By the way, the asterisks at the beginning of the name may not be the best idea since they are pronounced by the text-to-speech voice when you arrive.

lowercased:
submitted by tupdegrove on sat, 12/20/2008 - 10:19am.
individual (non-commercial) christmas light displays from bill white's 17th (2008) annual christmas light tour published in the morning call newspaper (www.mcall.com) covering the lehigh valley, pa (lehigh and northampton counties). all nominees are listed with one star (*) given to homes mentioned in the article, two stars for special mention, and three stars to displays labeled "spectacular".
special thanks to bill white for providing the list of nominees. check out the morning call web site for pictures, audio, virtual tour of one home, etc. addresses were automatically geocoded to address accuracy.
www.poi-factory.com/node/1631 - good link for new users on how to load poi files into gps unit. once loaded into the gps unit, garmin users can select "where to?", "extras", "custom pois", and finally "xmasliteslehighvalley".
corrections are welcome, and can be posted in the discussion thread listed below or sent to me via my contact tab.
12/24/08 - changed 945 n van buren to one star, changed 2136 lincoln st to two stars, changed peace candle to one star, changed 3415 oregon to three stars, slightly adjusted location of 203 n church st, changed the location of 4674 willow ln and made it two stars.
by the way, the asterisks at the beginning of the name may not be the best idea since they are pronounced by the text-to-speech voice when you arrive.


text:
Landscape photography in winter has a few advantages. Sunrise is later, sunset is earlier, and it might just snow. (Oh please let it snow on Dartmoor this year, please, please, please!). However, while sunrise and sunset are at much more sociable hours the days are very short and so are my windows of opportunity for photography. During the summer months I can spend all day at work, casually jump into my car, drive to Lands' End and still be there in plenty of time for sunset. I can go out photographing virtually any day of the week.
With winter things are very different. I still have to work and I still have a family life, but now I can't just pop out in the evening to go out and take photographs. The shorter days that come with winter are no different from any other year but this year I'm feeling the restriction more than any other year. I think this is largely due to the level of commitment I have given my landscape photography this year. This year I have committed more time than any other year to improving my art. Now all of a sudden I can't get out as much and if the weather is very bad I sometimes don't get out all in a week. I'm starting to find it frustrating!
It's not all doom and gloom tough. It's not as if I can't get out with a camera, it’s just I can't get out as much. As with most working parents I have the school run to do. My responsibility is to get the kids to school every morning, except Friday. So if I'm organised and the weather is looking favourable I can just about get out for a dawn shoot on a Friday and still be back in time for work. This means that I have to go somewhere local and this is where my trusty old friend Dawlish Warren beach comes in.
Dawlish Warren is only about 25 minutes' drive from my house and as I said in my video My Top 5 Locations to Shoot in Devon, it's also one of my favourites. I've photographed the beach and the groynes many times but each visit offers something different. With variable weather conditions, changing direction of sunrise and tidal waters, each time I go I need to think how I'm going photograph it that morning.
When I visited Dawlish Warren last week it was probably at the lowest tide I had seen so I had access to shoot some of the groynes I've never been able to access before.
Given the proximity of Dawlish Warren and my desire to still practice my photography as much as possible during the winter, I expect to be visiting my old friend a lot this winter.
While visiting on old friend is all very good, particularly when I'm really short of time, I also need to stretch my photographic wings a little. Though time at the weekends is really family time there are windows of opportunity and they need to be put to good use. There is the temptation to visit locations I've been before but winter is also a good time to go out and do a bit of discovery.
Last weekend I got up early and went to North Tor and Bench Tor on Dartmoor. These two tors are very close together and offer all round views of Dartmoor. I actually discovered this location by accident. I was looking through some old issues of Outdoor Photography and came across Bench Tor in the Locations Guide section (which is a great source of inspiration and ideas). I knew roughly knew the area as it's very close to one of my other favourite Devon locations to photography, Venford Falls.
Arriving at the car park in the dark I put on my head torch and began the relatively short walk up to Bench Tor. As with most dawn shoots in the cold I questioned my sanity but a blast of hot black coffee soon put me in the correct frame of mind. As most landscape photographers know it actually starts to get light around an hour before official sunrise so as I wondered about Bench Tor and nearby North Tor I could start to see lots of possibilities for compositions.
Very much an exploratory shot but as this was a new location for me I wanted to try and get a few shots for reference.
With so many possibilities, including options for sunrise and sunset shoots I think I have found a new friend for winter. Though I expect the best photographs will be had during spring and autumn months I think I will spend a bit of time up there working out how to make the most of it when winter finishes. That is unless it snows in which case the big views up there will be amazing.
So do you struggle to find time during the winter to get out with the camera? Do you have a go-to location that is nearby? Do you use the winter months to get out and discover new locations? Let me know in the comments below.

lowercased:
landscape photography in winter has a few advantages. sunrise is later, sunset is earlier, and it might just snow. (oh please let it snow on dartmoor this year, please, please, please!). however, while sunrise and sunset are at much more sociable hours the days are very short and so are my windows of opportunity for photography. during the summer months i can spend all day at work, casually jump into my car, drive to lands' end and still be there in plenty of time for sunset. i can go out photographing virtually any day of the week.
with winter things are very different. i still have to work and i still have a family life, but now i can't just pop out in the evening to go out and take photographs. the shorter days that come with winter are no different from any other year but this year i'm feeling the restriction more than any other year. i think this is largely due to the level of commitment i have given my landscape photography this year. this year i have committed more time than any other year to improving my art. now all of a sudden i can't get out as much and if the weather is very bad i sometimes don't get out all in a week. i'm starting to find it frustrating!
it's not all doom and gloom tough. it's not as if i can't get out with a camera, it’s just i can't get out as much. as with most working parents i have the school run to do. my responsibility is to get the kids to school every morning, except friday. so if i'm organised and the weather is looking favourable i can just about get out for a dawn shoot on a friday and still be back in time for work. this means that i have to go somewhere local and this is where my trusty old friend dawlish warren beach comes in.
dawlish warren is only about 25 minutes' drive from my house and as i said in my video my top 5 locations to shoot in devon, it's also one of my favourites. i've photographed the beach and the groynes many times but each visit offers something different. with variable weather conditions, changing direction of sunrise and tidal waters, each time i go i need to think how i'm going photograph it that morning.
when i visited dawlish warren last week it was probably at the lowest tide i had seen so i had access to shoot some of the groynes i've never been able to access before.
given the proximity of dawlish warren and my desire to still practice my photography as much as possible during the winter, i expect to be visiting my old friend a lot this winter.
while visiting on old friend is all very good, particularly when i'm really short of time, i also need to stretch my photographic wings a little. though time at the weekends is really family time there are windows of opportunity and they need to be put to good use. there is the temptation to visit locations i've been before but winter is also a good time to go out and do a bit of discovery.
last weekend i got up early and went to north tor and bench tor on dartmoor. these two tors are very close together and offer all round views of dartmoor. i actually discovered this location by accident. i was looking through some old issues of outdoor photography and came across bench tor in the locations guide section (which is a great source of inspiration and ideas). i knew roughly knew the area as it's very close to one of my other favourite devon locations to photography, venford falls.
arriving at the car park in the dark i put on my head torch and began the relatively short walk up to bench tor. as with most dawn shoots in the cold i questioned my sanity but a blast of hot black coffee soon put me in the correct frame of mind. as most landscape photographers know it actually starts to get light around an hour before official sunrise so as i wondered about bench tor and nearby north tor i could start to see lots of possibilities for compositions.
very much an exploratory shot but as this was a new location for me i wanted to try and get a few shots for reference.
with so many possibilities, including options for sunrise and sunset shoots i think i have found a new friend for winter. though i expect the best photographs will be had during spring and autumn months i think i will spend a bit of time up there working out how to make the most of it when winter finishes. that is unless it snows in which case the big views up there will be amazing.
so do you struggle to find time during the winter to get out with the camera? do you have a go-to location that is nearby? do you use the winter months to get out and discover new locations? let me know in the comments below.


text:
Join Senior Product Marketing Manager, Keenan Newton, and special guest Partner Director of Apps Program Management, Robert Lefferts, as we kick off our new site centered around migrating SharePoint solutions to apps. We will discuss the history of SharePoint customizations and where the SharePoint development platform is going. We will also highlight the benefits of the cloud app model and answer any questions that you may have.
The webcast will be broadcasted on Channel 9.
This will be the first live webcast in a series of webcasts focused on migrating SharePoint solutions to apps. These webcasts along with this site will help SharePoint developers take meaningful steps in planning for the app model.
PreviousCan the new Workflow engine be installed on a SharePoint Server?
NextVisual Studio 2012 or 2010 for SharePoint 2010 Development?

lowercased:
join senior product marketing manager, keenan newton, and special guest partner director of apps program management, robert lefferts, as we kick off our new site centered around migrating sharepoint solutions to apps. we will discuss the history of sharepoint customizations and where the sharepoint development platform is going. we will also highlight the benefits of the cloud app model and answer any questions that you may have.
the webcast will be broadcasted on channel 9.
this will be the first live webcast in a series of webcasts focused on migrating sharepoint solutions to apps. these webcasts along with this site will help sharepoint developers take meaningful steps in planning for the app model.
previouscan the new workflow engine be installed on a sharepoint server?
nextvisual studio 2012 or 2010 for sharepoint 2010 development?


text:
Chinese medical philosophy holds that all life is sustained by the constant flow of an energy called “qi” (pronounced “chee”). The qi of the body is connected to the qi of nature – illness occurs when the two are out of harmony. Acupuncture and Oriental medicine restore health by strengthening the body’s qi and enhancing its flow.
Chinese medical knowledge has been shaped by the experiences of thousands of practitioners over many centuries.
Schedule Your Appointment for Acupuncture ONLINE!

lowercased:
chinese medical philosophy holds that all life is sustained by the constant flow of an energy called “qi” (pronounced “chee”). the qi of the body is connected to the qi of nature – illness occurs when the two are out of harmony. acupuncture and oriental medicine restore health by strengthening the body’s qi and enhancing its flow.
chinese medical knowledge has been shaped by the experiences of thousands of practitioners over many centuries.
schedule your appointment for acupuncture online!