text:
Highland Gold, the London listed Russian focused gold miner, has posted a FY 2010 net profit of $122.3 million under IFRS.
The bottom line was up from the FY 2009 net result of $ 78.84 million, with EBITDA increasing 112.4% year on year to $121.3 million, and group revenue rising from $164.7 million in 2009 to $243.6 million for FY 2010.
The company attributed its higher net result to increased sales and a 23% increase in output while keeping cost increases to a minimum, according to CEO, Valery Oyf.

lowercased:
highland gold, the london listed russian focused gold miner, has posted a fy 2010 net profit of $122.3 million under ifrs.
the bottom line was up from the fy 2009 net result of $ 78.84 million, with ebitda increasing 112.4% year on year to $121.3 million, and group revenue rising from $164.7 million in 2009 to $243.6 million for fy 2010.
the company attributed its higher net result to increased sales and a 23% increase in output while keeping cost increases to a minimum, according to ceo, valery oyf.


text:
The Essex North Shore Agricultural and Technical School District holds contractual agreements with administrators, other positions, three collective bargaining units, and other agreements. The contracts are below.
*These positions are part of the Hathorne Teachers Federation, Local 1269, AFT, but are quasi-administrative roles.

lowercased:
the essex north shore agricultural and technical school district holds contractual agreements with administrators, other positions, three collective bargaining units, and other agreements. the contracts are below.
*these positions are part of the hathorne teachers federation, local 1269, aft, but are quasi-administrative roles.


text:
A rich and exotic way to enjoy mushrooms. Serve over steamed rice.
This simple steamed meatloaf makes a hearty cold weather meal.
This take-out favourite is easy to make at home with market fresh ground beef and green beans. Serve with steamed rice.
A great salad for mushroom lovers.
Adjust the amount and variety of vegetables to taste and to the season.
Brussel sprouts with an Asian twist.
Fragrant Thai-style curry is a delicious way to enjoy squash, okra, eggplant and other winter vegetables.
This makes a great vegetarian entree or side dish.
Add some spice to your Valentin’es day with this exotic shrimp cocktail.
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lowercased:
a rich and exotic way to enjoy mushrooms. serve over steamed rice.
this simple steamed meatloaf makes a hearty cold weather meal.
this take-out favourite is easy to make at home with market fresh ground beef and green beans. serve with steamed rice.
a great salad for mushroom lovers.
adjust the amount and variety of vegetables to taste and to the season.
brussel sprouts with an asian twist.
fragrant thai-style curry is a delicious way to enjoy squash, okra, eggplant and other winter vegetables.
this makes a great vegetarian entree or side dish.
add some spice to your valentin’es day with this exotic shrimp cocktail.
come to where culinary inspiration and education meet. with our expert chefs and modern, state-of-the-art kitchen provided by monogram, there's simply no better place to learn about cooking and specialty foods as well as the latest in food movements and trends.
are you looking to host a memorable private or corporate function that’s sure to impress? monogram at the market kitchen is a one-of-a-kind venue for team-building, parties or meetings. plus, the kitchen provides the perfect locale for special private occasions such as weddings, bridal or baby showers and more. come talk to us. join us for a tour of the space and meet our kitchen coordinator to discuss packages and rates for your next special event.


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Cael, blacked out in 2010.
It has been said that a mother would know her child anywhere, and on an instinctive level I'm sure this is fact. But if you have small kids, or more specifically, if you have kids that behave like mine, you never know what you will see when you lay eyes on them each morning.
There are always bumps and scrapes. If you're Cael, there is an endless string of self-induced black eyes. If you're Graham, your perpetual cold means red noses and cheeks popping up without warning. But lately they've both been changing their appearance in different but equally strange ways.
Although Graham has never seen an episode of FRIENDS, he has begun near daily reenactments of Joey's "could I be wearing any more clothes?" scene by emerging for breakfast in four shirts and three pairs of pants.
I get it. It's cold. And if I thought that multiple layers would make him more comfortable, I'd be all for it. But when he's so padded that he can't use the bathroom without assistance, I draw the line. And that line looks like a pair of size four carpenter jeans.
Cael, on the other hand, can't get enough of his own skin. Maybe he's hot-blooded like his father, but given his penchant for decorating his own skin a la do-it-yourself prison tattoos, I think he's just in love with his own skin.
I get it. He is very soft, and if I was that petite and looked so adorable sans clothes, I might be running around in my birthday suit, too. But alas, my neighbors' windows aren't that far away, and the problem isn't his nakedness. It's what he does with that cute skin when the clothes are off.
It started with a quick note on his hand. I didn't think much of it, because many people write quick reminders on their hands so they won't forget milk at the store or to pick up their dry cleaning. But when I ruled out a trip to the post office and any pressing grocery items (and when I remembered that his writing skills are still pretty primitive) I simply had to ask.
"What's written on your hand, man?"
"4,000 + 4,000 = 8,000."
"Why did you write that on your hand?"
I guess I can't argue with that. I remember when I thought $100 was enough to make a grown-up rich, so an equation pushing close to 10,000 must seem gargantuan to his brain. And if my kids are going to be changing their appearance, I guess I should be grateful they've both chosen something temporary and not too grand. There's nothing worse than a huge, garish display marring your child's beautiful body.
"2+5 = 7", written from Cael's perspective.
Then again, 7 is a pretty awesome number, too.

lowercased:
cael, blacked out in 2010.
it has been said that a mother would know her child anywhere, and on an instinctive level i'm sure this is fact. but if you have small kids, or more specifically, if you have kids that behave like mine, you never know what you will see when you lay eyes on them each morning.
there are always bumps and scrapes. if you're cael, there is an endless string of self-induced black eyes. if you're graham, your perpetual cold means red noses and cheeks popping up without warning. but lately they've both been changing their appearance in different but equally strange ways.
although graham has never seen an episode of friends, he has begun near daily reenactments of joey's "could i be wearing any more clothes?" scene by emerging for breakfast in four shirts and three pairs of pants.
i get it. it's cold. and if i thought that multiple layers would make him more comfortable, i'd be all for it. but when he's so padded that he can't use the bathroom without assistance, i draw the line. and that line looks like a pair of size four carpenter jeans.
cael, on the other hand, can't get enough of his own skin. maybe he's hot-blooded like his father, but given his penchant for decorating his own skin a la do-it-yourself prison tattoos, i think he's just in love with his own skin.
i get it. he is very soft, and if i was that petite and looked so adorable sans clothes, i might be running around in my birthday suit, too. but alas, my neighbors' windows aren't that far away, and the problem isn't his nakedness. it's what he does with that cute skin when the clothes are off.
it started with a quick note on his hand. i didn't think much of it, because many people write quick reminders on their hands so they won't forget milk at the store or to pick up their dry cleaning. but when i ruled out a trip to the post office and any pressing grocery items (and when i remembered that his writing skills are still pretty primitive) i simply had to ask.
"what's written on your hand, man?"
"4,000 + 4,000 = 8,000."
"why did you write that on your hand?"
i guess i can't argue with that. i remember when i thought $100 was enough to make a grown-up rich, so an equation pushing close to 10,000 must seem gargantuan to his brain. and if my kids are going to be changing their appearance, i guess i should be grateful they've both chosen something temporary and not too grand. there's nothing worse than a huge, garish display marring your child's beautiful body.
"2+5 = 7", written from cael's perspective.
then again, 7 is a pretty awesome number, too.


text:
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lowercased:
virginians must always be prepared for severe weather. protect your home or business investment today with a high quality metal roof.
along with protecting against winds of as high as 120 mph, our products offer a long life span eliminating the need to worry about reroofing in the future.
no matter what kind of metal roofing style you choose, you’ll most likely never have to worry about your roof again. most come with a true 30 to 50 year warranty.
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text:
Next message: Dave Raggett: "HTML Table ID"
Previous message: Daniel W. Connolly: "Security concersn with BASE [was: Is this use of BASE kosher? ]"
> 'SGML Way' or style sheets. They want presentation control.

lowercased:
next message: dave raggett: "html table id"
previous message: daniel w. connolly: "security concersn with base [was: is this use of base kosher? ]"
> 'sgml way' or style sheets. they want presentation control.


text:
I’ve always loved water, from swimming pools to lakes to the ocean. I learned how to surf around the age of 13, and really started going out regularly on my own around age 15, after that point I was hooked, I remember my first surfboard I found in a dumpster at La Jolla Shores. I took it home and had my brother help me fix it up and we painted it. My little sisters still have that board to this day which is pretty rad.
BnB: What is your favorite creative outlet?
TT: Cooking. I’ve been cooking since I was a little girl and the older I get the more and more I get enjoyment out of creating a meal for my friends and family.
BnB: Do you have any nicknames?
BnB: Do you have any brothers or sisters?
TT: I am one of 11 children all of whose name start with the letter T, and who are all from the same parents. Also, we are not Mormon or Catholic, because thats always the next question.
BnB: What is your favorite place you have been?
TT: I just got back from a month in Indonesia and so far its on the top of the list, however, Morocco was pretty rad too.
TT: I have made all of my closest friends through surfing, I have seen more of the world than I ever would have doing anything else, it gives me constant reminders of how we need to tend to the environment around us and preserve it. Surfing also provides me with humility, challenge, and drive everyday that I am in the water.
BnB: What boards do you currently have in your quiver?
TT: A 9’3 and a 9’2 longboard. A 7’0 egg, and 6’3 retro single fin. Looking to get a little fish next.
BnB: What environmental issue do you identify with and why?
TT: Plastic pollution. You see it everywhere, especially while traveling to third world countries, where plastic water bottles litter some of the most beautiful beaches. I also get very frustrated every time I go back down to Southern California and see how many plastic bags they still use for every purchase at a store. I think its hard for people to understand the longterm effects that plastic is going to have on our environment if it doesn’t effect them immediately.
TT: My favorite surf spot back in San diego was probably Sunset Cliffs. Ever since moving to Santa Cruz the hook has become my favorite wave, probably due to surfing it everyday with it being a stones throw from my house.
BnB: What was your worst experience surfing?
TT: Getting hit in the face by a standup paddle board.
BnB: What was your first car?
TT: My first car was a 1990 white Vovlo sedan, but then it got totaled while parked outside my house. My second car was special, it wouldn’t reverse so I had to be real innovative and aware when driving. Now I’ve a got a 1985 Volvo station wagon.

lowercased:
i’ve always loved water, from swimming pools to lakes to the ocean. i learned how to surf around the age of 13, and really started going out regularly on my own around age 15, after that point i was hooked, i remember my first surfboard i found in a dumpster at la jolla shores. i took it home and had my brother help me fix it up and we painted it. my little sisters still have that board to this day which is pretty rad.
bnb: what is your favorite creative outlet?
tt: cooking. i’ve been cooking since i was a little girl and the older i get the more and more i get enjoyment out of creating a meal for my friends and family.
bnb: do you have any nicknames?
bnb: do you have any brothers or sisters?
tt: i am one of 11 children all of whose name start with the letter t, and who are all from the same parents. also, we are not mormon or catholic, because thats always the next question.
bnb: what is your favorite place you have been?
tt: i just got back from a month in indonesia and so far its on the top of the list, however, morocco was pretty rad too.
tt: i have made all of my closest friends through surfing, i have seen more of the world than i ever would have doing anything else, it gives me constant reminders of how we need to tend to the environment around us and preserve it. surfing also provides me with humility, challenge, and drive everyday that i am in the water.
bnb: what boards do you currently have in your quiver?
tt: a 9’3 and a 9’2 longboard. a 7’0 egg, and 6’3 retro single fin. looking to get a little fish next.
bnb: what environmental issue do you identify with and why?
tt: plastic pollution. you see it everywhere, especially while traveling to third world countries, where plastic water bottles litter some of the most beautiful beaches. i also get very frustrated every time i go back down to southern california and see how many plastic bags they still use for every purchase at a store. i think its hard for people to understand the longterm effects that plastic is going to have on our environment if it doesn’t effect them immediately.
tt: my favorite surf spot back in san diego was probably sunset cliffs. ever since moving to santa cruz the hook has become my favorite wave, probably due to surfing it everyday with it being a stones throw from my house.
bnb: what was your worst experience surfing?
tt: getting hit in the face by a standup paddle board.
bnb: what was your first car?
tt: my first car was a 1990 white vovlo sedan, but then it got totaled while parked outside my house. my second car was special, it wouldn’t reverse so i had to be real innovative and aware when driving. now i’ve a got a 1985 volvo station wagon.


text:
Matt Stack has stepped down as the head football coach at Rosman to take the defensive coordinator job at Easley. Stack went 5-19 in his two seasons leading the Tigers.
"I'm very pumped to have Matt on board, it's huge for me and the Easley program," said head football coach Caleb King about Stack's hiring. While the move is certainly bittersweet for Stack, he's excited about the possibility. "I'm very excited and it's a great move for my family," he sated.
I agree, I know he'll get paid significantly more, and also get him in the land of SC jobs which could make him a viable candidate for a SC head coaching gig in the future. I know he worked his tail off at Rosman and sure, the results didn't necessarily show it, but I think the program is in good shape for someone else to take over and try to continue to move it forward.
I completely agree. He got Rosman headed in the right direction and if the kids stay positive they could be alright pretty soon.

lowercased:
matt stack has stepped down as the head football coach at rosman to take the defensive coordinator job at easley. stack went 5-19 in his two seasons leading the tigers.
"i'm very pumped to have matt on board, it's huge for me and the easley program," said head football coach caleb king about stack's hiring. while the move is certainly bittersweet for stack, he's excited about the possibility. "i'm very excited and it's a great move for my family," he sated.
i agree, i know he'll get paid significantly more, and also get him in the land of sc jobs which could make him a viable candidate for a sc head coaching gig in the future. i know he worked his tail off at rosman and sure, the results didn't necessarily show it, but i think the program is in good shape for someone else to take over and try to continue to move it forward.
i completely agree. he got rosman headed in the right direction and if the kids stay positive they could be alright pretty soon.


text:
There are three types of health insurance: hospital, extras and ambulance only (not available to residents of Qld and TAS due to state schemes). Your level of health insurance will depend on the services you want to be covered for and the amount you're willing to pay.
Private hospital cover helps reduce the costs associated with treatment in hospital (e.g. doctors' fees, accommodation, operating theatre, intensive care, and pharmaceuticals in hospital).
Having private hospital cover also allows you to choose your own doctor (e.g. your own obstetrician), and choose when you have treatment for elective surgery.
Any exclusions under your cover.
See our Member Guide for all the conditions relating to hospital cover.
HCF approved Health Management Programs.
See our Member Guide for all the conditions relating to extras cover.
What's not covered or included?
Claims that don’t meet our criteria.
Many people don't know that Medicare doesn't cover you for ambulance costs. And ambulances can be expensive, especially if you live in a rural or remote area.
Depending on your level of cover, HCF ambulance insurance covers the cost of emergency ambulance services with State Government services if you need hospital or on-the-spot treatment in Australia.
Some levels of cover also include State Government non-emergency ambulance services.This is payable if your doctor requests ambulance transport because your condition requires monitoring and support in transit (up to $5,000 per person per calendar year).
Emergency ambulances aren’t fully covered by the state government unless you hold certain government concession cards. To avoid out-of-pocket costs you should get private health insurance that includes ambulance cover.
HCF hospital and extras insurance covers state provided emergency ambulance services to the nearest hospital able to treat you. On some levels of HCF cover, you may also be able to claim up to $5,000 per person, per year for non-emergency, medically necessary ambulance transport by state providers.
If you have HCF hospital cover you’re entitled to fully covered state emergency ambulance transport across most of Australia under a levy arrangement. This excludes services in Qld and SA (and also WA for ACT residents) but you may be able to claim under your HCF cover).
If you have standalone HCF extras cover you may be covered for unlimited emergency ambulance for transport in NSW or ACT. On some levels of cover there’s an annual limit of 1 claim per person and 2 per policy for states other than NSW and ACT.
State ambulance services are covered by your state government Australia-wide, so you don’t need separate insurance.
State road ambulance services are covered by your state government across Australia, with the exception of Qld and SA. You may be able to claim for services not covered by your state scheme under your HCF cover (limits may apply if you have standalone extras cover).
You need either private health insurance which includes ambulance cover or an ambulance subscription.
Please note: A waiting period of 1 day applies for emergency and 2 months for non-emergency cover.
Please ensure you understand who's covered under your policy. Review it at least once a year to identify changes in your circumstances that could affect your health cover needs. If your family situation changes, let us know so that we can suggest adjustments to your cover.
Dependants listed on the policy.
Only the policyholder can determine who's covered under a membership.
The children listed on your membership are automatically covered at no extra cost under your family cover until the day before they turn 22.
If your children are full-time students and single, simply register them as Student dependants at the start of each academic year, and they'll be covered for no extra cost until the day before they turn 25 or cease full-time study (whichever comes first).
If your children aren't full-time students but are single, you can also continue to cover them until they turn 25 with Extended Family Cover which is only, available on certain levels of HCF cover. Otherwise, your adult children will need to take out their own cover.
All new dependants must serve waiting periods, unless they're transferring from another membership or another health fund where they've already completed their relevant waiting periods. In this case they'll need to request an Interfund Transfer Certificate from their previous fund when they join HCF.
Single parent families may get a discount (approximately 20% of the family rate) on their hospital and extras cover on certain levels of HCF cover.
Partner listed on the policy.
Does my health insurance cover my children?
If they're listed on your policy, your children are covered under your family cover until the day before they turn 22. If they're full-time students and single, register them as student dependants, and they'll be covered for no extra cost until the day before they turn 25 or cease full time study (whichever comes first).
If your children aren't full-time students but are single, you can also continue to cover them until they turn 25 with Extended Family Cover on selected levels of HCF cover. As long as they're not married or in a de facto relationship, you can take out this cover for a surcharge of 25% of your existing premium – even if your children are living away from home.
I've just finished school, and am starting my first job. Does our family health insurance cover me?
If you're under 22, you don't need to do anything. You're covered under your family's membership.
If you're between 22 and 25, you may be eligible to be covered under Extended Family Cover for an extra cost of 25% on top of your family's current membership.
I'm still living at home but just finished studying at university full-time – what do I need to know?
If you're under 25 and single, you can be covered under Extended Family Cover at an additional cost of 25% on top of your family's current membership.
I'm still studying at university – do I need health insurance?
If you're single, under 25 and studying full-time, you can continue to be covered under your family membership as a student dependant on selected covers.
We have an extensive network of service providers and private hospitals throughout Australia, where charges have been negotiated on your behalf.
The Australian Government subsidises medical services listed on the Medicare Benefit Schedule (MBS). When a doctor charges a fee higher than the MBS, it's called a 'medical gap'.
To help you minimise your of out-of-pocket expenses for doctors and specialists fees in hospital, we've negotiated 'no gap' agreements with thousands of doctors across Australia. Ask yours if they're willing to participate. If not, they may agree to charging a 'known gap', capped at $500.
Always ask your doctor to detail their charges (and any out-of-pocket expenses) before you're treated.
An HCF participating hospital is a private hospital where we've negotiated charges for accommodation and other services, so they don't cost you extra.
Any excess and conditions relating to your hospital cover will still apply in any HCF participating hospital. You may still have to pay for doctor's bills if your doctor or other specialists don't agree to participate in our no-gap or known gap scheme (see above).
Check your hospital insurance covers you for the procedure.
If you'll need a prosthesis, ask your doctor which will be the best for you and which no-gap prostheses are available. If the doctor recommends one for which a gap is payable, ask why they're recommending it.
Ask your doctor to explain the costs of your surgery including any medical gap, prosthesis gap (if any) and any other expenses. If there are any out-of-pocket expenses ask for a written cost estimate.
Call us on 13 13 34 if you're unsure whether you'll have to make any gap payments.
How do I find a participating hospital?
What's a non-participating private hospital?
A non-participating hospital is a private hospital that we don't have an agreement with. If you're treated at one you could face significant out-of-pocket costs.
What's the difference between public and private hospitals?
If you're treated as a private patient, your HCF hospital cover will pay for some of the costs associated with your treatment (if it's listed on your policy) and may be able to choose your doctor.
If you're treated at a private hospital, Medicare will cover a portion of your medical costs, but won't cover your accommodation and theatre expenses. This is where hospital cover can help.
Some doctors and specialists charge more than the schedule fee. The difference between the two is the 'gap', which falls to you to pay. If you choose an HCF participating doctor you'll either pay no-gap or a known-gap (up to $500).
What are 'pregnancy and birth-related services'?
These are services that are directly related to hospitalisation for pregnancy and childbirth. They include things like pregnancy complications, the delivery and prenatal and postnatal care of the mother.
What sort of cover do I need if I want to cover the birth?
You need to be on cover that includes pregnancy and birth-related services at least 12 months before you give birth, as there's a 12 month waiting period.
To check your cover, view your product summary at online member services, or call us on 13 13 34.
We're having a baby – when do I need to add my baby to my membership so he or she is covered?
If you’re on a single or couples membership, it’s important to call to tell us your expected due date as soon as possible. We’ll transfer you to a family membership from the expected date of birth.
This will ensure your baby is covered and won’t have to serve any waiting periods. If you don’t tell us your expected due date, you still have 2 months to transfer to a family membership from the date your baby was born and your baby will be covered from this date.
I'm travelling interstate - does my private health insurance cover me outside my state?
Yes – you're covered throughout Australia.
On selected levels of hospital cover, HCF members who live in isolated and rural communities can claim travel benefits if specialist medical and hospital treatment isn't available locally. If you're intending to move interstate permanently, please call us on 13 13 34 to change your contact details.
Does my private health insurance cover me if I'm sick when travelling overseas?
No – your HCF insurance only covers you in Australia.
HCF offers travel insurance. You can find more information here.
Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for Allianz. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement available at hcf.com.au/travel. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for details before we provide you with any services.
Can I suspend or cancel my policy while I'm overseas?
Health insurance won't cover you outside Australia.
If everyone on your health cover is overseas for more than 30 days, you may be able to suspend your policy for that time.
Be aware that suspending or cancelling your HCF hospital cover may mean you have to pay additional Medicare Levy Surcharge (MLS). If you'd like more information about this call us on 13 13 34 and we'll go through your options with you.
Suspending your policy also means you won't be eligible for free travel insurance, if it's included on your cover.
Periods of suspension won't count towards any waiting periods or benefits that accrue based on a length of membership.
If you cancel completely and don’t have cover with another Australian health fund, you'll need to re-serve all waiting periods.
Do I have to suspend or cancel my health insurance policy when I go overseas for a period of time?
There's nothing in the tax legislation that requires you to suspend or cancel your policy if you go overseas. It's your choice but there may be MLS implications if you do so.
Won't the premium payments I save by suspending or cancelling my policy be enough to pay my MLS liability?
Not necessarily. Contact your accountant or tax agent for advice on this.
What if I take out travel insurance for the period I'm overseas and suspend or cancel my hospital cover?
Travel insurance isn't hospital cover for MLS purposes. So you'll be considered to be without hospital cover during the period of suspension or cancellation.
If you cancel your cover, you won't be deemed to have had continuous membership and will need to re-serve all waiting periods.
What if I take out medical insurance with an overseas fund while I'm overseas but cancel my cover in Australia during this time?
Having cover with an overseas fund isn't considered having hospital cover during the period of suspension or cancellation.
What if I cancel or suspend cover for myself but retain the cover for my family?
Individuals on a policy can't be suspended. In family situations, this means everyone on your policy must be suspended.
You and your dependants may need to have private patient hospital cover to avoid paying the MLS. Cancelling or suspending cover for yourself will mean that you and your partner may each still be liable for the MLS if your taxable income exceeds the relevant threshold.
What if I take out travel insurance while I'm overseas and maintain my hospital cover?
By maintaining your hospital cover in Australia, you won't be liable for the MLS while you're overseas.
If you're admitted to hospital for your wisdom teeth extraction your hospital cover will contribute towards the cost.
Extras cover contributes towards the cost of wisdom teeth extraction in the dentist’s chair, subject to your level of cover.
There's a 12 month waiting period for this procedure.
The benefits paid for extraction in the dentist's chair is taken from the annual limits of your extras cover so you'll have an out-of-pocket expense.
For more information on wisdom teeth extraction call us on 13 13 34.
Prostheses are items used in surgery to augment or replace a part of the body (e.g. pacemakers or joint replacement devices).
We cover government approved, non-cosmetic prostheses that are surgically implanted. Ask your doctor which prosthesis is best for you and whether a no-gap option is available.
I'm about to start insulin pump therapy – can I claim for this?
If this is the first time you're having insulin pump therapy, and you're being treated as an outpatient, we'll pay 100% of the highest costing insulin pump on the Federal Government Prosthesis List (currently up to $9,500) when we receive your completed insulin pump claim form.
If you're admitted to hospital to start your pump therapy, we'll provide a benefit, provided the Type C certification is completed in accordance with the legislation. Please note that education is not a valid reason for hospitalisation. We may ask for additional information to verify the reasons for hospitalisation.
Am I eligible to claim for a replacement insulin pump?
If you've been on Top Plus, Top Hospital, Fit & Free, or Healthmate Ultimate, Premium or Ultimate hospital cover continuously over a 5 year period you'll be eligible to claim 100% of the highest costing insulin pump on the Federal Government Prostheses List (currently up to $9,500) – you'll have no out-of-pocket expense.
If you've maintained any other level of hospital cover during the previous 5 years, you'll be eligible to claim up to half of that amount (currently up to $4,750) provided your cover doesn't exclude insulin pump treatments.
The replacement cycle doesn't reflect the manufacturer’s warranty period. It's the reasonable life expectancy of an insulin pump. If you wish to replace your insulin pump in less than 5 years, a pro-rata benefit may be offered depending on your individual circumstances, provided the pump isn't under warranty.
Please note that we don't replace damaged, lost or stolen pumps. We also don't pay for consumables for insulin pumps, which are available through the National Diabetes Services Scheme.
How do I claim for a replacement insulin pump?
Complete and submit a replacement insulin pump claim form.

lowercased:
there are three types of health insurance: hospital, extras and ambulance only (not available to residents of qld and tas due to state schemes). your level of health insurance will depend on the services you want to be covered for and the amount you're willing to pay.
private hospital cover helps reduce the costs associated with treatment in hospital (e.g. doctors' fees, accommodation, operating theatre, intensive care, and pharmaceuticals in hospital).
having private hospital cover also allows you to choose your own doctor (e.g. your own obstetrician), and choose when you have treatment for elective surgery.
any exclusions under your cover.
see our member guide for all the conditions relating to hospital cover.
hcf approved health management programs.
see our member guide for all the conditions relating to extras cover.
what's not covered or included?
claims that don’t meet our criteria.
many people don't know that medicare doesn't cover you for ambulance costs. and ambulances can be expensive, especially if you live in a rural or remote area.
depending on your level of cover, hcf ambulance insurance covers the cost of emergency ambulance services with state government services if you need hospital or on-the-spot treatment in australia.
some levels of cover also include state government non-emergency ambulance services.this is payable if your doctor requests ambulance transport because your condition requires monitoring and support in transit (up to $5,000 per person per calendar year).
emergency ambulances aren’t fully covered by the state government unless you hold certain government concession cards. to avoid out-of-pocket costs you should get private health insurance that includes ambulance cover.
hcf hospital and extras insurance covers state provided emergency ambulance services to the nearest hospital able to treat you. on some levels of hcf cover, you may also be able to claim up to $5,000 per person, per year for non-emergency, medically necessary ambulance transport by state providers.
if you have hcf hospital cover you’re entitled to fully covered state emergency ambulance transport across most of australia under a levy arrangement. this excludes services in qld and sa (and also wa for act residents) but you may be able to claim under your hcf cover).
if you have standalone hcf extras cover you may be covered for unlimited emergency ambulance for transport in nsw or act. on some levels of cover there’s an annual limit of 1 claim per person and 2 per policy for states other than nsw and act.
state ambulance services are covered by your state government australia-wide, so you don’t need separate insurance.
state road ambulance services are covered by your state government across australia, with the exception of qld and sa. you may be able to claim for services not covered by your state scheme under your hcf cover (limits may apply if you have standalone extras cover).
you need either private health insurance which includes ambulance cover or an ambulance subscription.
please note: a waiting period of 1 day applies for emergency and 2 months for non-emergency cover.
please ensure you understand who's covered under your policy. review it at least once a year to identify changes in your circumstances that could affect your health cover needs. if your family situation changes, let us know so that we can suggest adjustments to your cover.
dependants listed on the policy.
only the policyholder can determine who's covered under a membership.
the children listed on your membership are automatically covered at no extra cost under your family cover until the day before they turn 22.
if your children are full-time students and single, simply register them as student dependants at the start of each academic year, and they'll be covered for no extra cost until the day before they turn 25 or cease full-time study (whichever comes first).
if your children aren't full-time students but are single, you can also continue to cover them until they turn 25 with extended family cover which is only, available on certain levels of hcf cover. otherwise, your adult children will need to take out their own cover.
all new dependants must serve waiting periods, unless they're transferring from another membership or another health fund where they've already completed their relevant waiting periods. in this case they'll need to request an interfund transfer certificate from their previous fund when they join hcf.
single parent families may get a discount (approximately 20% of the family rate) on their hospital and extras cover on certain levels of hcf cover.
partner listed on the policy.
does my health insurance cover my children?
if they're listed on your policy, your children are covered under your family cover until the day before they turn 22. if they're full-time students and single, register them as student dependants, and they'll be covered for no extra cost until the day before they turn 25 or cease full time study (whichever comes first).
if your children aren't full-time students but are single, you can also continue to cover them until they turn 25 with extended family cover on selected levels of hcf cover. as long as they're not married or in a de facto relationship, you can take out this cover for a surcharge of 25% of your existing premium – even if your children are living away from home.
i've just finished school, and am starting my first job. does our family health insurance cover me?
if you're under 22, you don't need to do anything. you're covered under your family's membership.
if you're between 22 and 25, you may be eligible to be covered under extended family cover for an extra cost of 25% on top of your family's current membership.
i'm still living at home but just finished studying at university full-time – what do i need to know?
if you're under 25 and single, you can be covered under extended family cover at an additional cost of 25% on top of your family's current membership.
i'm still studying at university – do i need health insurance?
if you're single, under 25 and studying full-time, you can continue to be covered under your family membership as a student dependant on selected covers.
we have an extensive network of service providers and private hospitals throughout australia, where charges have been negotiated on your behalf.
the australian government subsidises medical services listed on the medicare benefit schedule (mbs). when a doctor charges a fee higher than the mbs, it's called a 'medical gap'.
to help you minimise your of out-of-pocket expenses for doctors and specialists fees in hospital, we've negotiated 'no gap' agreements with thousands of doctors across australia. ask yours if they're willing to participate. if not, they may agree to charging a 'known gap', capped at $500.
always ask your doctor to detail their charges (and any out-of-pocket expenses) before you're treated.
an hcf participating hospital is a private hospital where we've negotiated charges for accommodation and other services, so they don't cost you extra.
any excess and conditions relating to your hospital cover will still apply in any hcf participating hospital. you may still have to pay for doctor's bills if your doctor or other specialists don't agree to participate in our no-gap or known gap scheme (see above).
check your hospital insurance covers you for the procedure.
if you'll need a prosthesis, ask your doctor which will be the best for you and which no-gap prostheses are available. if the doctor recommends one for which a gap is payable, ask why they're recommending it.
ask your doctor to explain the costs of your surgery including any medical gap, prosthesis gap (if any) and any other expenses. if there are any out-of-pocket expenses ask for a written cost estimate.
call us on 13 13 34 if you're unsure whether you'll have to make any gap payments.
how do i find a participating hospital?
what's a non-participating private hospital?
a non-participating hospital is a private hospital that we don't have an agreement with. if you're treated at one you could face significant out-of-pocket costs.
what's the difference between public and private hospitals?
if you're treated as a private patient, your hcf hospital cover will pay for some of the costs associated with your treatment (if it's listed on your policy) and may be able to choose your doctor.
if you're treated at a private hospital, medicare will cover a portion of your medical costs, but won't cover your accommodation and theatre expenses. this is where hospital cover can help.
some doctors and specialists charge more than the schedule fee. the difference between the two is the 'gap', which falls to you to pay. if you choose an hcf participating doctor you'll either pay no-gap or a known-gap (up to $500).
what are 'pregnancy and birth-related services'?
these are services that are directly related to hospitalisation for pregnancy and childbirth. they include things like pregnancy complications, the delivery and prenatal and postnatal care of the mother.
what sort of cover do i need if i want to cover the birth?
you need to be on cover that includes pregnancy and birth-related services at least 12 months before you give birth, as there's a 12 month waiting period.
to check your cover, view your product summary at online member services, or call us on 13 13 34.
we're having a baby – when do i need to add my baby to my membership so he or she is covered?
if you’re on a single or couples membership, it’s important to call to tell us your expected due date as soon as possible. we’ll transfer you to a family membership from the expected date of birth.
this will ensure your baby is covered and won’t have to serve any waiting periods. if you don’t tell us your expected due date, you still have 2 months to transfer to a family membership from the date your baby was born and your baby will be covered from this date.
i'm travelling interstate - does my private health insurance cover me outside my state?
yes – you're covered throughout australia.
on selected levels of hospital cover, hcf members who live in isolated and rural communities can claim travel benefits if specialist medical and hospital treatment isn't available locally. if you're intending to move interstate permanently, please call us on 13 13 34 to change your contact details.
does my private health insurance cover me if i'm sick when travelling overseas?
no – your hcf insurance only covers you in australia.
hcf offers travel insurance. you can find more information here.
travel insurance is issued and managed by awp australia pty ltd abn 52 097 227 177 afsl 245631 trading as allianz global assistance as agent for the insurer allianz australia insurance limited abn 15 000 122 850 afsl 234708 (allianz). the hospitals contribution fund of australia ltd abn 68 000 026 746 afsl 241414 (hcf) arranges this insurance as agent for allianz. we do not provide any advice based on any consideration of your objectives, financial situation or needs. terms, conditions, limits and exclusions apply. before making a decision, please consider the product disclosure statement available at hcf.com.au/travel. if you purchase this insurance, we will receive a commission that is a percentage of the premium. ask us for details before we provide you with any services.
can i suspend or cancel my policy while i'm overseas?
health insurance won't cover you outside australia.
if everyone on your health cover is overseas for more than 30 days, you may be able to suspend your policy for that time.
be aware that suspending or cancelling your hcf hospital cover may mean you have to pay additional medicare levy surcharge (mls). if you'd like more information about this call us on 13 13 34 and we'll go through your options with you.
suspending your policy also means you won't be eligible for free travel insurance, if it's included on your cover.
periods of suspension won't count towards any waiting periods or benefits that accrue based on a length of membership.
if you cancel completely and don’t have cover with another australian health fund, you'll need to re-serve all waiting periods.
do i have to suspend or cancel my health insurance policy when i go overseas for a period of time?
there's nothing in the tax legislation that requires you to suspend or cancel your policy if you go overseas. it's your choice but there may be mls implications if you do so.
won't the premium payments i save by suspending or cancelling my policy be enough to pay my mls liability?
not necessarily. contact your accountant or tax agent for advice on this.
what if i take out travel insurance for the period i'm overseas and suspend or cancel my hospital cover?
travel insurance isn't hospital cover for mls purposes. so you'll be considered to be without hospital cover during the period of suspension or cancellation.
if you cancel your cover, you won't be deemed to have had continuous membership and will need to re-serve all waiting periods.
what if i take out medical insurance with an overseas fund while i'm overseas but cancel my cover in australia during this time?
having cover with an overseas fund isn't considered having hospital cover during the period of suspension or cancellation.
what if i cancel or suspend cover for myself but retain the cover for my family?
individuals on a policy can't be suspended. in family situations, this means everyone on your policy must be suspended.
you and your dependants may need to have private patient hospital cover to avoid paying the mls. cancelling or suspending cover for yourself will mean that you and your partner may each still be liable for the mls if your taxable income exceeds the relevant threshold.
what if i take out travel insurance while i'm overseas and maintain my hospital cover?
by maintaining your hospital cover in australia, you won't be liable for the mls while you're overseas.
if you're admitted to hospital for your wisdom teeth extraction your hospital cover will contribute towards the cost.
extras cover contributes towards the cost of wisdom teeth extraction in the dentist’s chair, subject to your level of cover.
there's a 12 month waiting period for this procedure.
the benefits paid for extraction in the dentist's chair is taken from the annual limits of your extras cover so you'll have an out-of-pocket expense.
for more information on wisdom teeth extraction call us on 13 13 34.
prostheses are items used in surgery to augment or replace a part of the body (e.g. pacemakers or joint replacement devices).
we cover government approved, non-cosmetic prostheses that are surgically implanted. ask your doctor which prosthesis is best for you and whether a no-gap option is available.
i'm about to start insulin pump therapy – can i claim for this?
if this is the first time you're having insulin pump therapy, and you're being treated as an outpatient, we'll pay 100% of the highest costing insulin pump on the federal government prosthesis list (currently up to $9,500) when we receive your completed insulin pump claim form.
if you're admitted to hospital to start your pump therapy, we'll provide a benefit, provided the type c certification is completed in accordance with the legislation. please note that education is not a valid reason for hospitalisation. we may ask for additional information to verify the reasons for hospitalisation.
am i eligible to claim for a replacement insulin pump?
if you've been on top plus, top hospital, fit & free, or healthmate ultimate, premium or ultimate hospital cover continuously over a 5 year period you'll be eligible to claim 100% of the highest costing insulin pump on the federal government prostheses list (currently up to $9,500) – you'll have no out-of-pocket expense.
if you've maintained any other level of hospital cover during the previous 5 years, you'll be eligible to claim up to half of that amount (currently up to $4,750) provided your cover doesn't exclude insulin pump treatments.
the replacement cycle doesn't reflect the manufacturer’s warranty period. it's the reasonable life expectancy of an insulin pump. if you wish to replace your insulin pump in less than 5 years, a pro-rata benefit may be offered depending on your individual circumstances, provided the pump isn't under warranty.
please note that we don't replace damaged, lost or stolen pumps. we also don't pay for consumables for insulin pumps, which are available through the national diabetes services scheme.
how do i claim for a replacement insulin pump?
complete and submit a replacement insulin pump claim form.


text:
Home » THE HOME REMODELING PROCESS: HOW LONG DOES IT TAKE?
Every homeowner knows how important it is to consider the monetary cost of a home remodeling project, and to stick to a budget. Yet, many overlook the importance of determining a timeline, and a “budget” for how long a project should take to complete. Let’s talk about what’s involved with the length of time it will take to finish a remodeling project.
First, it’s important to make a distinction about a project’s total timeline.
There are two time frames to consider. One piece is the time it takes to plan a project. In many cases, this is forgotten, yet it typically accounts for more time. The second piece is the actual construction and in-house work. This is when the remodeling contractor is actually in your home and getting the job done.
While there are many variables with both, the planning phase and construction phase, the latter is often more straightforward. At this point, all of the permits are obtained, the materials are on hand, and unexpected delays and obstacles should be more limited. Then, it comes down to the contractor’s schedule and your availability or openness for hours of the day, and days of the week for work to be done.
So what goes into the planning phase?
This truly begins when you decide it’s time to undertake a project. This is the time to create personal wish lists and a vision for the completed project. Time is required to research ideas, and to begin researching local contractors. Then, interviews and consultations with remodelers need to be arranged.
For a small home remodel project, the planning portion of the schedule could take just a few weeks, but for larger projects, 3-4 months is certainly possible. Choosing the right remodeling contractor can make all the difference when it comes to the timeline of a kitchen, bathroom or basement remodeling project.
Coming up with a realistic home remodel schedule is important. Whether there’s a reason to have a project done at a specific time, or it’s about simply being able to manage life and daily responsibilities along the way. Any reliable home remodeling contractor in Madison should be able to clearly outline a project’s estimated completion date. Not everything can be controlled, but if only vague answers are provided, prepare for plenty of unforeseen delays along the way.

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home » the home remodeling process: how long does it take?
every homeowner knows how important it is to consider the monetary cost of a home remodeling project, and to stick to a budget. yet, many overlook the importance of determining a timeline, and a “budget” for how long a project should take to complete. let’s talk about what’s involved with the length of time it will take to finish a remodeling project.
first, it’s important to make a distinction about a project’s total timeline.
there are two time frames to consider. one piece is the time it takes to plan a project. in many cases, this is forgotten, yet it typically accounts for more time. the second piece is the actual construction and in-house work. this is when the remodeling contractor is actually in your home and getting the job done.
while there are many variables with both, the planning phase and construction phase, the latter is often more straightforward. at this point, all of the permits are obtained, the materials are on hand, and unexpected delays and obstacles should be more limited. then, it comes down to the contractor’s schedule and your availability or openness for hours of the day, and days of the week for work to be done.
so what goes into the planning phase?
this truly begins when you decide it’s time to undertake a project. this is the time to create personal wish lists and a vision for the completed project. time is required to research ideas, and to begin researching local contractors. then, interviews and consultations with remodelers need to be arranged.
for a small home remodel project, the planning portion of the schedule could take just a few weeks, but for larger projects, 3-4 months is certainly possible. choosing the right remodeling contractor can make all the difference when it comes to the timeline of a kitchen, bathroom or basement remodeling project.
coming up with a realistic home remodel schedule is important. whether there’s a reason to have a project done at a specific time, or it’s about simply being able to manage life and daily responsibilities along the way. any reliable home remodeling contractor in madison should be able to clearly outline a project’s estimated completion date. not everything can be controlled, but if only vague answers are provided, prepare for plenty of unforeseen delays along the way.


text: Looking for Hospice in Coronado CA? There are numerous Hospice services in Coronado, California. Below are the closest Hospice offerings to Coronado CA.

lowercased: looking for hospice in coronado ca? there are numerous hospice services in coronado, california. below are the closest hospice offerings to coronado ca.


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Find properties in Marigot Bay, Castries, Saint Lucia with Properties in Caribbean - the best place to search for Properties in Caribbean. Properties in Marigot Bay, Castries, Saint Lucia is a dedicated local section where you can look for Apartments for Sale in Marigot Bay, Castries, Saint Lucia, Houses for Sale in Marigot Bay, Castries, Saint Lucia, Villas for Sale in Marigot Bay, Castries, Saint Lucia and many other Property for Sale or Property for Rent in Marigot Bay, Castries, Saint Lucia.
Below, you can search our Saint Lucia, Castries, Marigot Bay property database for a selection of properties on the market.

lowercased:
find properties in marigot bay, castries, saint lucia with properties in caribbean - the best place to search for properties in caribbean. properties in marigot bay, castries, saint lucia is a dedicated local section where you can look for apartments for sale in marigot bay, castries, saint lucia, houses for sale in marigot bay, castries, saint lucia, villas for sale in marigot bay, castries, saint lucia and many other property for sale or property for rent in marigot bay, castries, saint lucia.
below, you can search our saint lucia, castries, marigot bay property database for a selection of properties on the market.


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Touch a Truck (Thursday, July 6th 10:30-11:30 A.M.) Learn about the police and fire departments and explore the vehicles they use.
Totally Toddler Story Hour (Tuesdays June 27th-July 31st 10:30-11:30 A.M.) 2-3 year olds sing songs, listen to stories and create crafts.
PJ Preschool Story Hour (Thursdays June 29th-August 3rd 10:30-11:30 A.M.) 3-5 year olds sing songs, listen to stories, and create crafts.
LEGO/Block Party (Mondays June 19th -August 7th 10:00-11:00 A.M.) Come play, create, and design with blocks, Legos, and toys. Participants 10 and under must be accompanied by an adult.
LEAP into Science (June 26th, July 10th, 17th & 31st 1-2 P.M.) Guardians and participants will work together to learn about air, structures, shadows, and balance through hands on STEAM activities. All ages welcome.
Bucks County Karate (Wednesdays, July 12th-August 2nd 4:30-5:30 P.M.) Ages 4 and up are welcome to come learn focus, confidence and martial arts. Please register online for weeks you can attend. Walk-ins welcome if space is avaliable!
Reading to the Dogs (Thursdays, July 13th-August 10th 1-2 P.M.): K-6th graders will read books with Nor’wester Reader therapy dogs. Please register online for weeks you can attend. Walk-ins welcome if space avaliable.
Eclipse Exploration (Tuesday, July 25th 6:30-7:30 P.M.) Join the Bucks County Astronomical Society to learn about eclipses and space. Bring a cereal box and we will help you make a pinhole viewer. Please register for this program here. Walk-ins welcome too.
Beauty and the Beast (PG) (Friday, July 21st 2:00 P.M.) Enjoy a free screening of the live action Beauty and the Beast. Light refreshments will be provided.
Simple Silly Machines Contest (Saturday, August 12th (10:30 A.M.-2:00 P.M.) Create a Rube Goldberg like machine and demonstrate it at the library. Prizes will include $30 Best Buy gift card for 1st place winning team in each division. Entry forms are due by July 31st! For rules and more information check out the entry form here!
4H Pet Club (Tuesdays, July 11th-August 2nd 1-2 P.M.) Ages 8-12 interact with reptiles, dogs, and shelter animals. Please call to preregister for the weeks you can attend by calling or stopping by. Walk-ins welcome too.
Crafts and Cartoons (Wednesdays, June 21st, 28th and July 12th, 19th, 26th 10 A.M.-11:30 P.M) Experiment with different art mediums while enjoying a G rated cartoon.
Bucks County Karate (Wednesdays, July 12th-August 2nd 4:30-5:30 P.M.) Ages 4 and up are welcome to come learn focus, confidence and martial arts. Please register online for weeks you can attend. Walk ins welcome if space is avaliable!
Art of Recycling (Saturday, July 22nd 10:30 A.M.-12:30 P.M.) Come create a piece of art from bottle caps, tabs, and other recycled materials. Free supplies will be provided but feel free to bring your own. Please register online.
Board Game Club (Tuesdays, June 20th-August 8th 3-4:30 P.M.) Join us to play riveting board games that challenge your mind! We will even have a giant Jenga set!
A rt of Recycling (Saturday, July 22nd 10:30 A.M.-12:30 P.M.) Come create a piece of art from bottle caps, tabs, and other recycled materials. Free supplies will be provided but feel free to bring your own. Please register online.

lowercased:
touch a truck (thursday, july 6th 10:30-11:30 a.m.) learn about the police and fire departments and explore the vehicles they use.
totally toddler story hour (tuesdays june 27th-july 31st 10:30-11:30 a.m.) 2-3 year olds sing songs, listen to stories and create crafts.
pj preschool story hour (thursdays june 29th-august 3rd 10:30-11:30 a.m.) 3-5 year olds sing songs, listen to stories, and create crafts.
lego/block party (mondays june 19th -august 7th 10:00-11:00 a.m.) come play, create, and design with blocks, legos, and toys. participants 10 and under must be accompanied by an adult.
leap into science (june 26th, july 10th, 17th & 31st 1-2 p.m.) guardians and participants will work together to learn about air, structures, shadows, and balance through hands on steam activities. all ages welcome.
bucks county karate (wednesdays, july 12th-august 2nd 4:30-5:30 p.m.) ages 4 and up are welcome to come learn focus, confidence and martial arts. please register online for weeks you can attend. walk-ins welcome if space is avaliable!
reading to the dogs (thursdays, july 13th-august 10th 1-2 p.m.): k-6th graders will read books with nor’wester reader therapy dogs. please register online for weeks you can attend. walk-ins welcome if space avaliable.
eclipse exploration (tuesday, july 25th 6:30-7:30 p.m.) join the bucks county astronomical society to learn about eclipses and space. bring a cereal box and we will help you make a pinhole viewer. please register for this program here. walk-ins welcome too.
beauty and the beast (pg) (friday, july 21st 2:00 p.m.) enjoy a free screening of the live action beauty and the beast. light refreshments will be provided.
simple silly machines contest (saturday, august 12th (10:30 a.m.-2:00 p.m.) create a rube goldberg like machine and demonstrate it at the library. prizes will include $30 best buy gift card for 1st place winning team in each division. entry forms are due by july 31st! for rules and more information check out the entry form here!
4h pet club (tuesdays, july 11th-august 2nd 1-2 p.m.) ages 8-12 interact with reptiles, dogs, and shelter animals. please call to preregister for the weeks you can attend by calling or stopping by. walk-ins welcome too.
crafts and cartoons (wednesdays, june 21st, 28th and july 12th, 19th, 26th 10 a.m.-11:30 p.m) experiment with different art mediums while enjoying a g rated cartoon.
bucks county karate (wednesdays, july 12th-august 2nd 4:30-5:30 p.m.) ages 4 and up are welcome to come learn focus, confidence and martial arts. please register online for weeks you can attend. walk ins welcome if space is avaliable!
art of recycling (saturday, july 22nd 10:30 a.m.-12:30 p.m.) come create a piece of art from bottle caps, tabs, and other recycled materials. free supplies will be provided but feel free to bring your own. please register online.
board game club (tuesdays, june 20th-august 8th 3-4:30 p.m.) join us to play riveting board games that challenge your mind! we will even have a giant jenga set!
a rt of recycling (saturday, july 22nd 10:30 a.m.-12:30 p.m.) come create a piece of art from bottle caps, tabs, and other recycled materials. free supplies will be provided but feel free to bring your own. please register online.


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View my new listing for sale at 1485 Camelot Road, West Vancouver and currently listed at $9,880,000.
VIEWS ! This brand new executive family home in lower Chartwell offers excellent ocean and city views. Located on a quiet and desirable cul-de-sac within walking distance to Sentinel Secondary School, Chartwell Elementary school & Hollyburn Club enjoy a sensational entertainment sized deck with amazing views offering a relaxing & peaceful place to unwind. This home features rich hardwood flooring & luxurious carpets throughout. Breathtaking views from the living & family rooms & kitchen & bedrooms. This home offers the perfect family lifestyle on the best street, Open floor plan, 4 ensuited bedrooms upstairs and media room and two guests bedrooms in lower floor. The garden is lovely & includes fireplace & fountain in the patio and pitch & putt in your own backyard. Pleasure to show !

lowercased:
view my new listing for sale at 1485 camelot road, west vancouver and currently listed at $9,880,000.
views ! this brand new executive family home in lower chartwell offers excellent ocean and city views. located on a quiet and desirable cul-de-sac within walking distance to sentinel secondary school, chartwell elementary school & hollyburn club enjoy a sensational entertainment sized deck with amazing views offering a relaxing & peaceful place to unwind. this home features rich hardwood flooring & luxurious carpets throughout. breathtaking views from the living & family rooms & kitchen & bedrooms. this home offers the perfect family lifestyle on the best street, open floor plan, 4 ensuited bedrooms upstairs and media room and two guests bedrooms in lower floor. the garden is lovely & includes fireplace & fountain in the patio and pitch & putt in your own backyard. pleasure to show !


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India's Got Talent or IGT is an Indian reality television show that is being aired on Colors television, This show is a part of the global show British Got Talent.
The first episode of the India's Got Talent show was premiered on June 27, 2009 in India on Color television network.In India's Got talent show contestants give the audition in front of 3 judges and a studio audience.
Upto the semifinal and final rounds,Judges decide whether or not a contestant going forward in the competition. During the semifinal and final rounds there is the option of voting by the viewers that decide the contestants future on the show.This is a unique kind of show across the country that provide a platform for the contestants of every areas.
This show travels to the different cities across the India and search the talent across the country with no age bar.The winner of the India's Got Talent receives a cash prize of Rs 50 Lakhs and a Maruti Suzuki Ritz.
In India's Got Talent season 5 a lot of good contestants are participating from the country.We hope this show will again repeat their tremendous performance by providing a great platform for exposing the hidden talents across the country.
The team of www.einfoportal.com is requesting to the viewers to select their best candidates by participating in voting and at the same time we are wishing all the best to the all participating contestants of this show.Please also write your valuable comments about the feedback of every contestants in below section that will help others to choose their favorite contestant.

lowercased:
india's got talent or igt is an indian reality television show that is being aired on colors television, this show is a part of the global show british got talent.
the first episode of the india's got talent show was premiered on june 27, 2009 in india on color television network.in india's got talent show contestants give the audition in front of 3 judges and a studio audience.
upto the semifinal and final rounds,judges decide whether or not a contestant going forward in the competition. during the semifinal and final rounds there is the option of voting by the viewers that decide the contestants future on the show.this is a unique kind of show across the country that provide a platform for the contestants of every areas.
this show travels to the different cities across the india and search the talent across the country with no age bar.the winner of the india's got talent receives a cash prize of rs 50 lakhs and a maruti suzuki ritz.
in india's got talent season 5 a lot of good contestants are participating from the country.we hope this show will again repeat their tremendous performance by providing a great platform for exposing the hidden talents across the country.
the team of www.einfoportal.com is requesting to the viewers to select their best candidates by participating in voting and at the same time we are wishing all the best to the all participating contestants of this show.please also write your valuable comments about the feedback of every contestants in below section that will help others to choose their favorite contestant.


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Parties in conflict and disputes rarely apologize to one another. No one wants to admit liability, and saying sorry is often seen as an admission of liability.
On 13 July 2017, the Legislative Council of Hong Kong passed the Apology Bill (soon to be the Apology Ordinance) to enable parties to apologize without fear of legal implications.
Historically, an apology is seen to be an implied admission of fault and/or liability. Such apology, whether written or oral, may constitute evidence of liability in civil proceedings.
Parties in dispute are therefore constantly advised by lawyers not to apologize for their actions, even if the party is in the wrong. The fear of legal implications overrode morality and common decency.
Under the Apology Ordinance, an apology is defined as an expression of regret, sympathy or benevolence. The apology need not be in writing. It can be oral or by conduct.
If a party has apologized, the Apology Ordinance provides that the fact of that apology will not constitute an express or implied admission of the person’s fault or liability and must not be taken into account in determining fault, liability or any other issue in connection with the matter to the prejudice of the person.
If there is no other evidence available for determining an issue, it is possible for statements of fact contained in an apology to be admitted as evidence in the proceedings, provided that it is just and equitable to do so.
The above might be admissible as evidence even if the apology itself is not, particularly if the fact of adequate or inadequate staff became a relevant issue in civil proceedings and this was the only piece of evidence available in the proceedings. Clearly, this exception means that parties should take great care in how they apologize and what they should include in their apology.
The Apology Ordinance also has potential impact upon insurance coverage.
Section 10 of the Apology Ordinance provides that an apology does not render void or affect any insurance cover, compensation or other form of benefit for any person in connection with the matter. There is also an express prohibition against attempting to “contract out” of this section by, for example, a disclaimer or waiver of rights. This section also takes effect whether or not the contract of insurance was entered into before or after the commencement date of the Apology Ordinance.
Liability insurance policies typically contain conditions that an insured party shall not make any admissions of liability or prejudice the claim without the insurer’s prior consent. While Section 10 may avoid an admission of liability, potential problems may arise if the insured prejudices the claim by making an apology which contains facts that are later ruled as admissible by the Court for the reasons set out above. In such circumstances, there may be argument as to whether the additional facts appended to the apology can properly be regarded as being part and parcel of the apology itself.
It is currently unclear as to the commencement date of the Apology Ordinance although it is expected to come into effect later this year (2017) or early next year (2018).
With the implementation of the Apology Ordinance, being the first jurisdiction in Asia to do so, Hong Kong is leading and consolidating its position as one of the foremost centers in the Asia region for mediation and dispute resolution.
Although similar legislations have been passed in the United States, Canada, Australia and the United Kingdom, only time will tell whether the Apology Ordinance will influence parties in Hong Kong to more readily apologise to each other for wrongful conduct.
What should be quite clear however is that making an apology is not all without its risks and parties should continue to take proper legal advice before doing so.

lowercased:
parties in conflict and disputes rarely apologize to one another. no one wants to admit liability, and saying sorry is often seen as an admission of liability.
on 13 july 2017, the legislative council of hong kong passed the apology bill (soon to be the apology ordinance) to enable parties to apologize without fear of legal implications.
historically, an apology is seen to be an implied admission of fault and/or liability. such apology, whether written or oral, may constitute evidence of liability in civil proceedings.
parties in dispute are therefore constantly advised by lawyers not to apologize for their actions, even if the party is in the wrong. the fear of legal implications overrode morality and common decency.
under the apology ordinance, an apology is defined as an expression of regret, sympathy or benevolence. the apology need not be in writing. it can be oral or by conduct.
if a party has apologized, the apology ordinance provides that the fact of that apology will not constitute an express or implied admission of the person’s fault or liability and must not be taken into account in determining fault, liability or any other issue in connection with the matter to the prejudice of the person.
if there is no other evidence available for determining an issue, it is possible for statements of fact contained in an apology to be admitted as evidence in the proceedings, provided that it is just and equitable to do so.
the above might be admissible as evidence even if the apology itself is not, particularly if the fact of adequate or inadequate staff became a relevant issue in civil proceedings and this was the only piece of evidence available in the proceedings. clearly, this exception means that parties should take great care in how they apologize and what they should include in their apology.
the apology ordinance also has potential impact upon insurance coverage.
section 10 of the apology ordinance provides that an apology does not render void or affect any insurance cover, compensation or other form of benefit for any person in connection with the matter. there is also an express prohibition against attempting to “contract out” of this section by, for example, a disclaimer or waiver of rights. this section also takes effect whether or not the contract of insurance was entered into before or after the commencement date of the apology ordinance.
liability insurance policies typically contain conditions that an insured party shall not make any admissions of liability or prejudice the claim without the insurer’s prior consent. while section 10 may avoid an admission of liability, potential problems may arise if the insured prejudices the claim by making an apology which contains facts that are later ruled as admissible by the court for the reasons set out above. in such circumstances, there may be argument as to whether the additional facts appended to the apology can properly be regarded as being part and parcel of the apology itself.
it is currently unclear as to the commencement date of the apology ordinance although it is expected to come into effect later this year (2017) or early next year (2018).
with the implementation of the apology ordinance, being the first jurisdiction in asia to do so, hong kong is leading and consolidating its position as one of the foremost centers in the asia region for mediation and dispute resolution.
although similar legislations have been passed in the united states, canada, australia and the united kingdom, only time will tell whether the apology ordinance will influence parties in hong kong to more readily apologise to each other for wrongful conduct.
what should be quite clear however is that making an apology is not all without its risks and parties should continue to take proper legal advice before doing so.


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Traditionally, tagging assets and conducting school inventory would take several days to complete and was exclusively a year-end task. Thankfully, technology has simplified school inventory processing with GoCodes Asset Management, the cloud-based asset management system. Now the tagging and inventory process can be done during short down times such as spring break when there is minimal impact to stakeholders.
GoCodes even has an Education Edition which comes pre-configured with the data fields and settings that school administrators, teachers, and IT staff members need and includes inventory tags that feature your school’s unique ID. Each tamper-proof inventory tag contains a unique fingerprint that links the asset to a powerful, easy-to-use, web-based management system which is scannable by any smartphone. Both smartphone and web interface options are included free with purchase of 100 standard tags.
Not only does GoCodes streamline the inventory process, it is also secure and provides a convenient and efficient means of tracking assets via GPS to find misplaced or missing items.

lowercased:
traditionally, tagging assets and conducting school inventory would take several days to complete and was exclusively a year-end task. thankfully, technology has simplified school inventory processing with gocodes asset management, the cloud-based asset management system. now the tagging and inventory process can be done during short down times such as spring break when there is minimal impact to stakeholders.
gocodes even has an education edition which comes pre-configured with the data fields and settings that school administrators, teachers, and it staff members need and includes inventory tags that feature your school’s unique id. each tamper-proof inventory tag contains a unique fingerprint that links the asset to a powerful, easy-to-use, web-based management system which is scannable by any smartphone. both smartphone and web interface options are included free with purchase of 100 standard tags.
not only does gocodes streamline the inventory process, it is also secure and provides a convenient and efficient means of tracking assets via gps to find misplaced or missing items.