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SIGABandung 2018
This year, Indonesia is honored to host the 30th SSEAYP International General Assembly (SIGA). The event will take place in Bandung, the very heart of Asia Africa Conference back in 1955, a vibrant city where modernity standing side by side with the elegance of the past and bursting with the spirit of youth. With the purpose of enhancing never-ending friendship and lifelong cooperation among ex participants of SSEAYP participants, families, and friends, we invite you to SIGA Bandung 2018 and experience the excitements! SIGA is organised annually by SSEAYP Alumni Associations to create opportunity to foster friendship, goodwill and understanding. Not only SSEAYP alumni, associates from different programme can also join this program to expand their networks. You will learn and discuss current issues on arts, heritage and young entrepreneurship from the experts and practitioners; join workshops with young and creative entrepreneurs from Bandung; participate in social contribution activities in Colorful Cibunut Village; make and play angklung, Indonesian musical instruments made from bamboo. Certificates will be provided for the participants.
Information Package
Don't miss it! Registration for SIGA Bandung 2018 is now open. Please click the button below to read the Information Package.
Keep Me Updated! Watch the promotional video of SIGA Bandung 2018 here.


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London: Johnny Depp has praised his fellow superstar Angelina Jolie`s "shockingly great" parenting skills, saying he would "probably be in prison" if he had to cope with as much as her.
The `Tourist` actor admitted his co-star - who raises six children with partner Brad Pitt - does a fantastic job of juggling her mothering duties with her career, and thinks he would "probably be in prison" if he had so much to deal with, reported a website.
"She is such a versatile, wonderful person who can portray anything. She is a down to earth, clever, funny, woman and shockingly great mother. She is very calm even if she`s surrounded by paparazzi. I don`t know what I would do. I could`ve been in prison by now!"
The 47-year-old star - who has been in a relationship with French actress-and-singer Vanessa Paradis since 1998 - also joked that he "can`t remember" the intimate scenes he shot with Jolie in `The Tourist`.
"I didn`t tell my family that I was shooting the film. I can`t remember, I wasn`t in it, I didn`t take the role and this film doesn`t exist. Angelina who? I can`t remember her name, so I`m clean," said Depp.

subset: commoncrawl


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Blog Home » Users » 547634db04655be (Report Profile)
547634db04655be is a pure-blood wizard living in Outskirts of London. He is a member of the unsorted masses of Hogwarts students just off the train eagerly crowding around the Sorting Hat. His favorite Harry Potter book is Harry Potter and the Prisoner of Azkaban and his favorite Harry Potter character is Snape.


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Thursday, April 30, 2009
Elizabeth is on a soccer team this spring. Andrew is helping to coach it, which was one of the only ways i got her to play. She refuses to be on any sort of team, or try extra curricular classes. So this was a huge accomplishment for us. She doesn't love it, to be honest. But it's good for her to do. Last week she finally kicked the ball in the game, and I saw her face get pretty excited. I try to watch her as much as possible, but I spend a lot of the time plucking the boys off of the soccer fields!
Posted by Jess at 8:51 AM 2 comments
I chose this background, because I always call my kids monkeys. I'll have to document some proof to post.
Posted by Jess at 8:50 AM 1 comments
I have a camera again!!!
So Julie was so kind as to send me her extra camera. The boys have officially destroyed both of mine, hence the lack of blogging lately. So I am excited to start documenting our lives again.
Last weekend I was lucky enough to be part of a Relay for Life team. For those of you who are unfamiliar with it, it is a fundraiser for cancer. It benefits all types of cancer not just one specific. My awesome friend Marie put in a ton of hard work organizing our team. She put the team together in Honor of our Friend Rashele who is currently winning the battle against cancer. I was so excited to be a part of this event.
I lost my Aunt Barbie to Cancer a few years ago. She wasn't just my aunt. Her girls are just like my sisters, and I spent a lot of time living with and being a part of their family.
Aunt Barbie was like a mother ot me. She helped me grow up, and gave me the support, example, and role model I needed. She was there for me whenever I needed her. And watching Cancer take her away for this time, from her family, myself and the rest of this world was awful. She was so Valiant, sweet, and beautiful every step of the way. So this relay was an opportunity to honor her, and share with my family her memory.
I think I will do this every year.it was amazing. I am glad I was there. Andrew and the kids came in the evening and hung out with us all. But they left, and so did many other members of our team as the night progressed. Quitters! The select few stuck it out until the end. 6 am. no sleep, tons of fun, lots of memories, too uch food, freezing cold, listening to a hairy elvis, horrible teenage weezer wanabe band.
Our team had ballons at our sight. We all wrote names of those we relayed for on the balloons. And in the morning we let them go. Rashele was there too. She looked radiant. I watch her fight through the pain to be a part of it all, and to hold her children, even though it hurts. She is an inspiration to me of strength. She designed the shirts we are all wearing as well.
Posted by Jess at 8:23 AM 2 comments
Wednesday, April 1, 2009
All tuckered out.
So moving has been a load on everyone. I found Eric asleep on the couch while I was unpacking one day last week. What a cutie. I really think the boys love all the space they have to run around her. Especially being able to ride bikes out back.
Posted by Jess at 6:14 PM 2 comments
$3.60 at Target
I have recently picked up the hobby of couponing. I am loving it. Almost two months in I feel like I am getting the hang of it now. This was an awesome trip to Target. Seriously that's all I spent. And the only thing not pictures is a pack of staples that cost $1.24!
Posted by Jess at 6:10 PM 1 comments
2 Year Old Lemon
When we moved we transplanted our dwarf Lemon Tree with us. It's doing well. But this lemon fell off. It is the first piece of fruit we've gotten from it. It seriously no lie has been growing for 2 years. The little lemon that could.
Posted by Jess at 6:08 PM 2 comments
So I have received quite a bit of nagging to update my posts here. In my defense this past month has been nothing to blog about. Lots of packing, moving, puking, emotional days. All kinds of stuff you didn't want to hear about. But we are settling in so I will catch up later. For now this can't wait. Ethan has potty trained himself. And I really mean himself. Today was the last step. "I go poo poo in the potty mommy!" Yeah! So off wil the pullup, scary, and on with Diego. It was a bit of a struggle to convince him to get Diego instead of Dora, but I won. He lifts up his shirt and says here's my Rescue pack! You have to know Dieog to get it.
Yeah!!! Only 1 left in diapers!!
Posted by Jess at 5:44 PM 3 comments


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Process Analytical Technology
Process Analytical Technology is an initiative that excites us.
Flotek is dedicated to promoting new process instrumentation in our marketplace, understanding that technology fuels technology. We strive to be educated in such offerings in order to provide consistent service and support while implementing new technology and process data to a new and existing processes.


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The important thing To The appropriate Bachelorette Occasion!!!
Bachelors have been hitting the bars for stag events for years. However why should the males have the entire enjoyable? Throwing a get together for a bride-to-be is a exciting way for the girl and her buddies to relationship and blow off a little water forward of the wedding day. There are numerous fun and funny short joke shirts original bachelorette social gathering ideas, if youre planning for a bachelorette occasion.
What's a Bachelorette Occasion?
Bachelorette events have increased in pop…
Arranging an awesome Celebration for the Bride-to-Be
Bachelors have already been hitting the bars for stag parties for years. However why if the folks have all the fun? Throwing a celebration for a bride-to-be is just a fun means for the bride and her friends to strike and relationship off a small steam ahead of the special day. If youre planning for a social gathering, there are lots of enjoyable and unique bachelorette social gathering ideas.
What is a Bachelorette Occasion?
Bachelorette events have rise-n in popularity within the final 20 years roughly. Whilst the bridal shower remains a standard occasion for ladies, a bachelorette social gathering is a more laid-again social gathering. Such as a bachelor social gathering, a bachelorette get together usually requires a selected date with the gals.
Bachelorette Celebration Concepts: Locations
Bachelorette events might happen at the house of the bride-to-be or the home of the person throwing the celebration on her. A corridor or meeting place in a resort may also be rented for the night time. Restaurants often have rooms that may be reserved for personal parties. You also could elect to take everybody else to a perform like a movie or maybe a spa. Many bachelorette events begin in a single location and transfer ahead to a different location, reminiscent of for instance a bar, later within the evening.
Bachelorette Celebration Concepts: Models
The social gathering could possibly be naughty or good, relying on consolation level and the girls tastes. Most bachelorette occasions include alcohol and many mix sexual themes. However, that is the bride-to-bes evening, and whilst it can be fun to embarrass her a bit, you dont want her to be horrified within the goings on.
Naughty Bachelorette Get together Ideas
Retain a stripper for the party or go to see a male strip present.
She writes down a process that the bride must accomplish before the evening is over, when every visitor arrives. When the record is complete it's given to the girl. The duty list may include issues like acquire a person to purchase you a drink or get your self a mans telephone quantity.
Give goody baggage for the guests with cheap, naughty gifts inside. Many get together provide stores and internet websites take celebration favors significantly designed for bachelorette events
Fantastic Bachelorette Social gathering Some ideas
Go to a spa. All of the ladies might enjoy massages and manicures.
Take a visit in a close by vineyard and enjoy some winetasting.
Go dance.
Check out a microbrewery for a visit and to style the products.
Accountable Bachelorette Get together Ideas
Because most bachelorette parties require alcohol, its essential to arrange transport in your get together friends. A driver is one thought, or any individual who wouldn't usually be invited to the social gathering, similar to a male good friend. You would possibly hire a limo service to hold company to numerous watering holes around city. Some elect to charter a bus for that instances actions, whereas the others use taxis to circumvent. Even if the occasion doesn't require alcohol, utilizing a bus or car firm is a good answer to keep associates together and forestall them from getting misplaced throughout the night.


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Tesla and Consumer Reports continue feud following Model 3 review
Tesla doesn't think its brakes are getting a fair test.
Inside the automotive startup taking EVs off-road
Competing against Tesla is foolish. Why not build an electric truck instead?
A newsletter a day keeps the FOMO at bay.
Tesla releases source code for some of its in-car tech
It's not everything, but it's finally here.
Tesla's performance Model 3 delivers 3.5 second 0-60 for $78,000
Adding a second motor without all the extra trimmings will cost $5,000.
Nissan follows Tesla with an all-in-one solar storage package
Praise the sun.
The case for Boosted's Mini electric skateboard line
I like the speed and maneuverability, but traditional skateboarders won't find much crossover.
Roborace's self-driving car isn't faster than a human (yet)
It's still in the ballpark of human ability, though.
Tesla starts delivering Model 3 cars outside the US
A Kingston driver is the first international recipient.


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Balagangadharan Nair, J.
1. The appeal is by the plaintiff in a suit for money due under two policies of life insurance taken out by his deceased father, which has been dismissed by the trial court.
2. The plaintiff's father, Sultan Pillai, died on May 18, 1972. The first of the policies taken by him is represented by the proposal, Ext. B-1, dated December 23, 1970, for Rs. 10,000 and the second by the proposal, Ext. B-3, dated June 8, 1971, for Rs. 5,000. On Sultan Pillai's death, the plaintiff, who is the nominee and assignee of the policies, made a claim for the insurance amounts before the defendant, the Life Insurance Corporation of India (' the Corporation ') As the Corporation did not pay the amounts, the plaintiff brought a suit in 1974 asking for a decree for Rs. 15,000. In defence, the Corporation contended that Sultan Pillai, the assured, had obtained the policies by practising fraud. The fraud consisted in deliberately understating his age by 7 years and in suppressing information about his longstanding diseases, pulmonary tuberculosis for a period of 16 years and piles. He had also occasional attacks of haemoptysis. The assured did not disclose these facts in the personal statements signed by him when making the proposals for the policies. The proposal forms contained declarations by the assured that the contracts of insurance would be absolutely null and void and that all monies which had been paid in respect thereof would stand forfeited to the Corporation in case the statements given by him along with the further statements made before the medical officer and the declarations relating thereto were found to be untrue. As a consequence, the contracts of insurance were void ab initio. Because of the fraud and the untrue statements made by the assured, no amount was payable under the policies. The plaintiff had no cause of action against the Corporation and was entitled to no decree as claimed.
3. In support of his case, the plaintiff gave evidence as P.W. 4. He called P.W. 1, the medical officer of the Corporation, who had examined the assured at the time of the first policy, attested his personal statement in exhibit. B-1 and prepared the confidential report, exhibit B-1(a), reporting the life to be first class. Two employees of the local mosque, P.Ws. 2 and 3, were examined to prove certain records of the mosque showing the age of the assured. Besides examining its officers as D.Ws. 2, 3 and 6, the Corporation examined three medical officers, D.Ws. 1, 4 and 5, to prove that the assured was suffering from ailments which had not been disclosed to the Corporation. The court below found that the deceased had pulmonary tuberculosis before he made the proposals, exhibits B-l and B-3, and that he had suppressed this fact in the personal history statements thus rendering the policies void. On the question of age, it held that in view of exhibit A-4 dated April 27, 1971, a communication from the Corporation to the assured accepting his horoscope as proof of the age, it could not repudiate the claim on the ground that the age was understated in the proposals. On the former finding, the court below dismissed the suit but without costs.
4. In the course of their elaborate arguments, counsel for the appellant and the Corporation took us through several decisions and text books on insurance law. Before we consider whether the Corporation was justified in repudiating the policies, we think it best to examine the legal aspects concerning the rights and obligations of the assured and the insurer, especially as counsel told us that they have not been the subject of any decision of this court. Contracts of insurance fall within the category of ' uberrima fides ' contracts {a term which is convenient though not strictly accurate : Seaton v. Heath [1899] 1 QB 782, 792 (CA)). In such contracts, as one party is in a very strong position to know the material facts and the other party is in a very weak position to discover them, the former is under a duty not only to abstain from making false representations of material facts but also to disclose, in the utmost good faith, such material facts as are within his knowledge to the other party. The principles underlying the duty of disclosure imposed on the assured in an insurance were stated by Lord Mansfield in the following classic passage in Carter v. Boehm [1766] 3 Burr 1905, 1909 :
' Insurance is a contract upon speculation. The special facts, upon which the contingent chance is to be computed, lie most commonly in the knowledge of the insured only : the underwriter trusts to his representation, and proceeds upon confidence that he does not keep back any circumstance in his knowledge, to mislead the underwriter into a belief that the circumstance does not exist, and to induce him to estimate the risque as if it did not exist. The keeping back such a circumstance is a fraud, and, therefore, the policy is void. Although the suppression should happen through mistake, without any fraudulent intention, yet still the underwriter is deceived, and the policy is void; because the risque run is really different from the risque understood and intended to be run at the time of the agreement......The, policy would be equally void against the underwriter if he concealed......The governing principle is applicable to all contracts and dealings. Good faith forbids either party by concealing what he privately knows, to draw the other into a bargain, from his ignorance of that fact, and his believing the contrary. '
5. Subsequent judicial pronouncements have repeated the ideal of good faith. MacGillivray and Parkington on Insurance Law, 7th edition, thus summarises the assured's duty in paragraph 617 :
' the assured must disclose to the insurer all facts material to an insurer's appraisal of the risk which are known or deemed to be known to the assured, but not known or deemed to be known to the insurer. '
6. The same work observes (in paragraph 623):
'Innocent omissions. If a fact is material and within the knowledge of the assured or his agent, the assured is under an absolute duty to disclose it. There is a long line of decisions from Lord Mansfield's judgment in Carter v. Boehm [1766] 3 Burr 1905, 1909, itself where it has been said that an insurer can avoid the insurance in the absence of fraudulent intent on the part of the assured. Mistake or forgetfulness affords no defence. ' It is well-established law,' said Cockburn C.J. in Bates v. Hewitt [1867] LR 2 QB 595, 607 ' that it is immaterial whether the omission to communicate a material fact arises from indifference or a mistake or from it not being present to the mind of the assured that the fact was one which it was material to make known '.'
7. In paragraph 624, it is pointed out that while the questions put by insurers in their proposal forms may either enlarge or limit the applicant's duty of disclosure as a general rule, the fact that particular questions relating to the risk are put to the proposer does not per se relieve him of his independent obligation to disclose all material facts.
8. The duty of disclosure thus attaches to material facts. A ' material fact' has been defined as any fact which would influence the judgment of a prudent insurer in fixing the premium or determining whether he will take the risk. (Paragraph 583). Paragraph 582, which is also relevant, reads :
' If the policy contains a recital that the proposal therein referred to shall be the basis of the contract, the truth of the statements contained in the proposal is thereby made a condition of the liability of the insurers, and any inaccurate answer will entitle the insurers to repudiate liability apart from any question of materiality. The rules concerning warranties in insurance law then govern any mis-statement. In the case of an ordinary misrepresentation, however, or if the insurers are limited by contractual terms to avoiding the policy only in cases of material omissions or misrepresentation, then in order to repudiate liability under the policy they must show that the mis-statement concerned material facts.'
9. In this context, we might refer to the following observations of Lord Shaw in the Privy Council case, Condogianis v. Guardian Assurance Company Ltd., AIR 1921 PC 195 (headnote) :
' Where in a contract of insurance the case is one of express warranty, if in point of fact the answer to a question in the proposal form is untrue, the warranty still holds, notwithstanding that the untruth might have arisen inadvertently and without any kind of fraud. Secondly, the materiality of the untruth is not in issue ; the parties having settled for themselves--by making the fact the basis of contract and giving warranty --that as between them their agreement on that subject precluded all inquiry into the issue of materiality.'
MacGillivray and Parkington have this to say on ' Materiality : general rule ' :
' With small exceptions, a warranty is independent of all questions of materiality. If a warranty is not fulfilled, the insurer can repudiate the contract, whether or not the fact warranted affected the risk or in any way influenced the insurer when he took it. One object of having a warranty is to avoid the difficulty faced by an insurer who has to satisfy the court that a misrepresentation or concealment concerned a fact material to the risk and induced him to take the risk.' (Paragraph 721).
10. Paragraphs 5.01 and 5.02 in The Law of Insurance, by Raoul Colinvaux, 4th edition, which deal with uberrima fides and the effect of non-disclosure are worth reproduction :
' While a fraudulent statement by one party by which the other is induced to enter into a contract will always entitle the latter to repudiate the contract, mere non-disclosure does not usually do so unless it amounts to fraud. In the case of certain contracts, however, the law demands a higher standard of good faith between the parties, and ' there is no class of documents as to which the strictest good faith is more rigidly required in courts of law than policies of assurance. As the underwriter knows nothing and the man who comes to him to ask him to insure knows everything, it is the duty of the assured, the man who desired to have a policy, to make a full disclosure to the underwriters without being asked of all the material circumstances, because the underwriters know nothing and the assured knows everything. This is expressed by saying that it is a contract of the utmost good faith--uberrima fides'. Moreover, this utmost good faith is required not only from the assured but also from the insurer, and the insurer is, therefore, under a similar duty of disclosure. The doctrine applies substantially to all kinds of insurance, including life insurance.
Where the assured conceals something he knows to be material, such concealment is fraud. But in any case the effect of mere non-disclosure on an insurance contract is to some extent the same as the effect of fraud : the party aggrieved, when the matter comes to his knowledge, may choose either to carry on with the contract or not. It is voidable at the election of the aggrieved party, as opposed to that class of contract which is void by operation of law.
The duty to disclose is not an implied term of the contract itself. Unlike fraud or a breach of condition, non-disclosure never by itself gives rise to a claim for damages. Avoidance of the whole contract is the only remedy. Once the aggrieved party, (i) knows all the facts, and (ii) has had a reasonable time in which to make up his mind, he must make his election once and for all. He need not exercise it, however, until he does know all the facts ; being put on enquiry is not sufficient. Thus where, although the assured has suppressed or misrepresented a fact, he discloses it to the insurance office before they pay a claim, they cannot after payment recover back the money. Similarly, where the insurers receive notice that the risks insured against have been misrepresented, concealed or incompletely disclosed and accept further premiums on the same policy, they lose their right to avoid it.
Either party may apply to the court for a declaration as to whether the policy is binding, but the remedy is a discretionary one. While it will be granted where the insurers have made a definite assertion denying the validity of the policy, it will be refused where the office might obtain possession, on the death of the life insured, of material information which they could not for the moment obtain.'
11. We might as well make a passing reference to Banerjee's Law of Insurance, volume 1, third edition, commentaries under Section 45 of the Insurance Act, Synopsis 5 (Contract of insurance, proposal and acceptance), 6 (Proposal form, its importance), 7 (Declaration form and medical report, their importance) and 8 (Effect of non-disclosure and misrepresentation). On the nature of insurance contract, the duty to disclose material facts and the test of material facts, the effect of concealment and other relevant aspects, All India General Insurance Co. Ltd, v. 5. P. Maheshwari, AIR 1960 Mad 484, and Lakshmi Insurance Co. Ltd. v. Bibi Padmawati [1961] 31 Comp Cas 96 ; AIR 1961 Punj 253, which were quoted during the hearing, contain detailed discussion. As the above extracts from the leading text books are adequate, we think it needless to load the judgment with passages from those decisions.
12. It remains now to consider Section 45, Insurance Act, 1938, which reads as follows :
' No policy of life insurance effected before the commencement of this Act shall after the expiry of two years from the date of commencement of this Act and no policy of life insurance effected after the coming into force of this Act shall, after the expiry of two years from the date on which it was effected, be called in question by an insurer on the ground that a statement made in the proposal for insurance or in any report of a medical officer, or referee, or friend of the insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose:Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the proposal.'
13. This section is a statutory recognition of what are described as indisputable clauses that used to be inserted in insurance proposals by insurance companies. In the present case, the insurer, the Corporation, is calling in question the policies more than two years after they were effected, thus bringing into play the second part of Section 45. The conditions for the application of this part are, as explained by the Supreme Court in Mithoolal Nayak v. Life Insurance Corporation of India [1962] 32 Comp Cas 177 ; AIR 1962 SC 814, (a) the statement of the policyholder must be on a material matter or must suppress facts which it was material to disclose, (b) the suppression must be fraudulently made by the policy-holder, and (c) the policyholder must have known at the time of making the statement that it was false or that it suppressed facts which it was material to disclose. In view of this decision, we do not think it necessary to quote any of the other cases cited by counsel on the point. As the repudiation of the policies was made more than two years after they were effected, the burden of proof is on the Corporation to establish the above three conditions. Counsel for the Corporation did not deny its burden in this regard but pointed out that there was no reference to Section 45 in the proceedings in the court below and that although the Corporation had pleaded the necessary facts in the written statement, Section 45 had not been mentioned in issue No. 1 which bears on the repudiation of the policies. He also pointed out that the court below had no occasion to discuss the evidence with reference to Section 45. He submitted that if we felt that the evidence fell short of the standards required by the second part of Section 45, we should remand the case to enable the Corporation to supplement its evidence. However, he made it clear that he was making this submission without prejudice to his stand that the evidence already given by the Corporation is adequate enough to discharge its burden. He reinforced these submissions by contending that the plaintiff has not even pleaded in the memorandum of appeal that the elements of Section 45 had not been established or even so much as referred to its provisions. The Corporation had in paragraphs 7 and 11 of its written statement pleaded the alleged fraud and mis-statement of the assured and the consequent invalidity of the policies. Issue No. 1 which concerns the alleged fraud and suppression of information and issue No. 2 which concerns the validity of the policies are sufficiently comprehensive and we cannot agree that the omission to mention Section 45 has or could have prejudiced the Corporation in its defence. Counsel also did not tell us what further evidence the Corporation would have been in a position to call if Section 45 had been specifically mentioned in the issues. We, therefore, reject the request for remand and proceed to consider the evidence, which we might repeat, counsel contended, was sufficient to support the defence under the second part of Section 45.
14. Exhibit B-1 is the proposal for the first insurance policy and it is signed by Sultan Pillai. It contains a declaration, inter alia, that the statements and answers are true in every particular and that the statements and the declaration along with the further statements to be made before the medical examiner and the declaration relative thereto shall be the basis of the contract of assurance between him and the Corporation and that if any untrue averments are contained therein, the contract would be absolutely null and void. He had signed it with the endorsement: ' read and understood '
18. It is witnessed by a Development Officer of the Corporation. This is obviously in compliance with the sub-joining note that ' If the answers to the questions in the from are given in vernacular or if the answers to the questions are given in English but the proposer signs in vernacular, then the proposer should declare in his own handwriting above his own signature that all questions were explained to him and that his replies were given after fully and properly understanding the same. ' (The answers to the questions in the proposal are recorded in English). Further below this note, the Development Officer of the Corporation has signed a declaration that he had fully explained the questions to the proposer and that he had truthfully recorded the answers given by the proposer. Attached to this form is another form headed ' Personal statement'. In column 4(a) against the entry, ' what has been your usual state of health', the answer recorded is 'good'. Column 6 is headed ' Have you ever suffered from any of the following ailments ' with a direction to answer ' yes ' or ' no '. As against Clause (b) which relates to ' persistent cough, asthma, pneumonia, pleurisy, spitting of blood, tuberculosis or any other infection of lungs ' the answer that is recorded is ' no '. Below the various columns is a declaration by the proposer that the answers had been given by him after fully understanding the questions and the same are true in every particular and that he had not withheld any information and that he agreed that the declaration together with the proposal shall be the basis of the contract between him and the Corporation. The medical officer (P.W. 1), who examined the assured the same day, has certified under the above declaration that the proposer had signed in his presence after admitting that all the answers had been correctly recorded. Below this certificate is a declaration signed by Sultan Pillai that the above questions were explained to him fully by the Development Officer (named), that the answers thereto had been recorded by him and that he had affixed his signature after satisfying himself that they had been correctly recorded. Below this is a declaration by the person in whose handwriting the answers are recorded--in this case the Development Officer--that he had explained the questions to the proposer, that the proposer's answers had been recorded by him and that he had affixed his signature after satisfying himself that the answers had been correctly recorded. Exhibit B-l(a) is the confidential report of the medical officer, P.W. 1, in which he has stated that the proposer's lung was healthy in every respect and that his life was first class. Exhibit B-3 is the proposal and the personal statement of Sultan Pillai for the second insurance policy. It contains the personal statement as in the first policy and a further personal statement regarding health (which appears to be required for an additional proposal). These statements contain declarations and answers as in exhibit B-l and have been signed by Sultan Pillai. The witness in these latter records is D. W. 2, an agent of the Corporation, through whom the proposal was made and who had recorded the answers of the proposer. In exhibit B-3 as in exhibit B-l, the assured had stated that he had not suffered from any disease, to wit tuberculosis. If Sultan Pillai had been suffering from tuberculosis as alleged by the Corporation, the statement in exhibits B-1 and B-3 that he was not suffering from that disease would be clearly a mis-statement and if he was aware of it, a fraudulent statement. That it was a material fact is obvious and was not disputed by the plaintiff also. The importance of the proposal and the personal statement need not be particularly emphasised as they form the very basis of the contract. The more important question on which parties were divided on this aspect is whether Sultan Pillai was suffering from tuberculosis and whether he had knowledge about it at the dates of exhibit B-l or B-3.
19. There is no direct evidence but the Corporation has called some evidence from which it contends that the inescapable conclusion is that he was so suffering. We shall refer to those items of evidence. D.W. 1, who was the professor and director of surgery in the Medical College Hospital, Trivandrum, proves the report, exhibit B-2, sent by him to the Corporation embodying the details of the case-sheet of Sultan Pillai, who was an in-patient in the hospital. They show that he was discharged on February 9, 1972, and readmitted on May 11, 1972. The witness explains the details in the other pages of the case-sheet--Exhibit I-4--but he has no personal knowledge about them except that he says that the first case-sheet was prepared by Dr. P. K. Prabhakaran (D. W. 5). The witness operated on Sultan Pillai for cancer of the bladder from which Sultan Pillai died in the hospital itself. D. W. 5 examined by D.W. 1 was then a post-graduate student and was working in the Medical College Hospital. In the case-sheet, exhibit A-4, he has in a note to the Urologist made on January 6, 1972, stated that it was an old case of bacuataria and pulmonary tuberculosis, that he had undergone anti-tuberculosis treatment and that he was being directed for favour of cystoscopy. D; W. 5 has deposed that these remarks were written on the information given by the patient. In cross-examination, it was elicited that the patient did not tell him the age of the disease and that he did not also take specific interest in the details. D. W. 4, the then Superintendent of the T. B. Hospital, Pulayanarkota (Trivandrum), has produced the case-sheet, exhibit A-l relating to Sultan Pillai. It shows that he was admitted on October 29, 1971, and was discharged on November 2, 1971, with the advice to visit the T. B. centre. He was vomitting blood and, according to the witness, it was an important symptom of T. B. and that was why he was so advised. The case-sheet further records that it was a known case of T. B. for 16 years. The witness had not examined Sultan Pillai but he has deposed that the above details were made by the duty doctor and the doctor attending on him, that the history of the disease is recorded from the statement made by the patient and that at the hospital he was treated for T. B.
20. The proposal for the first insurance was made in December, 1970, and that for the second was made in June, 1971. There is no contemporaneous record that Sultan Pillai was suffering from tuberculosis at the date of either of these policies. Exhibit X-4, however, shows that on January 6, 1972, he had told D.W. 5 that his tuberculosis was an old one. Exhibit X-1 contains a statement that it was 16 yearsold but the doctor who made the record has not been examined. It is admitted by P. W. 4 (the plaintiff) that Sultan Pillai had been treated in the T. B. Hospital at Pulayan-arkotta for vomitting blood. This confirms the treatment at the T. B. Hospital which, D. W.-4 swears with reference to the records, was for tuberculosis. In the light of the admission of P.W. 4 about the treatment received by Sultan Pillai at the T. B. Hospital and the statement made by Sultan Pillai to P. W. 5, there can be no doubt that he was suffering from tuberculosis and that it was an old case, although there is no evidence about its age. It appears to us safe on these materials to hold that Sultan Pillai was suffering from tuberculosis not only on October 29, 1971, when he was admitted in the Tuberculosis Hospital and on February 6, 1972, when D. W. 5 examined him but also for some time in the past.
21. We do not, however, feel it safe to predicate that Sultan Pillai was suffering from tuberculosis at the time he signed the proposals, exhibits B-l and B-3, as we are afraid that it would be a mere conjecture to do so on the evidence of D. W. 5 that it was an old case especially as none of the doctors--P.W. 1, D.W. 1, D.W. 4 or D.W. 5--has been asked the implication of the expression ' old case '.
22. Even if assuming in favour of the Corporation that it is permissible to infer that Sultan Pillai was suffering from tuberculosis some time before October 29, 1971, or January 6, 1972, there must be further evidence that at the date of the proposals in any event at the date of the first proposal--he knew or must have known that he was so suffering so as to hold that he was making a false statement or suppressing a material fact. On this aspect there is no evidence whatever. The Corporation has not called any evidence that Sultan Pillai had taken treatment for tuberculosis or had knowledge that he was suffering from that disease before the proposals were made. While it is true that tuberculosis might be a creeping disease which does not develop overnight and that it has some extraordinary symptoms, it would be unsafe and conjectural to predicate any knowledge of it on Sultan Pillai's part. D. W. 4 has deposed that although coughing of blood is an important symptom of tuberculosis, it could be due to other diseases as well and D. W. 1 has stated that usually tuberculosis will take time to manifest itself. Of external symptoms or clinically noticeable symptoms, there could have been none at the date of the proposal for P. W. 1, the Corporation's medical officer, who then examined him had not only certified that the case was first class and that the lungs were healthy in every respect but has also deposed that there were no patent symptoms while it is possible that he had latent symptoms. In the light of these items of evidence we are inclined to hold that even if Sultan Pillai was suffering from tuberculosis, there is no material to hold that he was aware of its existence on the dates of exhibits B-1 and B-3 so as to find him guilty of fraud or mis-statement when giving the personal statements. It follows that the Corporation was not entitled to avoid or repudiate the policies.
23. The written statement alleges that Sultan Pillai had also suppressed the piles from which he was suffering but there is absolutely no evidence that he was then subject to that disease. No question of avoiding the policies on this account, therefore, arises for consideration.
24. On the alleged mis-statement of age, the finding of the court below is against the Corporation. Counsel for the Corporation nevertheless sought to contest that finding on the strength of Sultan Pillai's age as given in exhibit B-5, a gift deed executed by him in favour of the plaintiff in 1968. Exhibit B-5 describes him as 54 and if it be correct, the statement that he was only 49 at the time of exhibits B-1 and B-3 was wrong to his knowledge. The date or even the year of his birth is not in evidence except what is disclosed by the certificate, exhibit A-1, which itself is not known to have been prepared from any authoritative sources. However that be the Corporation had accepted Sultan Pillai's age as stated in his horoscope produced by him before the Corporation. This is clear from exhibit A-4, the communication sent by the Corporation on April 27, 1971. The alleged mis-statement about the age will not, therefore, avail the Corporation to renounce the policies.
25. On the former finding, we cannot uphold the decision of the court below. We, therefore, reverse the judgment and decree of the court below and grant the plaintiff a decree for Rs. 15,000 with interest at 6% from the date of suit to the date of realisation. The appeal is thus allowed but in the circumstances without costs.


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'Fix the problem!' 'Stop giving us ideas and just do something!' 'What we need is more action, not more discussion...!' And the list goes on regarding those with frustrated viewpoints toward people and groups to complex world problems like the global food crisis, AIDS, global warming etc.
And it's true, we do need more action. But it's also a simplistic answer. Well-thought-out action, not action in any direction, is what we need. If we ever fall foul of acting without consideration of all the important issues, we're guilty of the 'ready-fire-aim' approach. Planning has to be the nexus of action.
For one thing, the very people who deride groups, organisations and society itself for not acting well or quickly enough are often the very ones who poo-poo ideas, stalling real progress. And I hate to say it, but the modern evangelical Church is not devoid of these people; and occasionally their leaders espouse these ways too.
What sort of person sits astride the philosophical fence simultaneously criticising a lack of progress whilst promoting bureaucracy?
The legalism of constrained, narrow and extraneous theologies is threatening to strangle the Church, or make it irrelevant, in an age which might otherwise turn out to be the Church's greatest hour (barring the beginning)--its, and the world's, moment of truth.
There is a place that the Pharisees couldn't tolerate, a place that Jesus Christ called home; the real mission of evangelicalism today and always.
I love the salience of Rick Warren's theology toward life. He says,
"If you say that people of faith cannot do humanitarian care because of their beliefs, you just ruled out most of the world. The actual number of atheists is quite small outside of Europe and Manhattan.
"That's why I can work with gays, who I don't happen to agree with, for instance, on what they view should be defined as marriage. In fact, when we began to develop our ministry with AIDS, we were far more willing to work with other people than people were willing to work with evangelical Christians. It was reverse discrimination."[1]
Isn't it compelling that Rick Warren's ministry has chosen to make a difference in the real world? Like the very many Christian mission organisations who're supporting the efficacy of third world communities by helping them develop futures for themselves--that's the love of God manifest in flesh. And other faith-based groups are no doubt doing the same.
Making a difference is not just a matter of preaching the Word of God. It's making a tangible difference in people's lives, and particularly, like in Rick Warren's case, in the lives of those struggling in sin, with no shred of judgment in sight.
After all, how many sinners did Jesus judge and condemn? He paradoxically befriended them.
Isn't it sad that an ailing world would rather not work with disengaged evangelical Christians? How could we have gotten this part of our mission from God so wrong?
Does not the Christian, most of all, understand that love transcends all boundaries? Why is it that we'd insist on not working with Hindu's, Buddhists or Muslims? Why wouldn't we choose to speak our love in a language that transcends words?
Is it possible, perhaps, to evangelise without words?
Wasn't it St. Francis of Assisi who coined the phrase, "Preach the gospel at all times and, if necessary, use words."
What would Jesus do? For all the wrist bands brandishing the WWJD slogan in the world, would he (that is Jesus), in this age, have knocked back opportunities to love like we might do? And all to satisfy our own flesh-driven fetishes to 'eat, drink and be merry!' We grow fat on the blessings of God and we miss the point of it all.
But aren't we not supposed to not love?
One thing for sure, our modern society (Christian or not) has very little time to become passionate for the cause of those less well off. It is apathy and not empathy that characterises the vast majority of us.
Copyright © 2009, S. J. Wickham. All Rights Reserved.
[1] Christianity Today, April (Web-only), 2009, Interview by Sarah Pulliam Q & A: Rick Warren. Posted 4/08/2009 09:42AM, http://www.christianitytoday.com/ct/2009/aprilweb-only/114-31.0.html?start=2


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Time To Make Superior Donuts
It's all in the ingredients. Picture from Rich Cotovsky;s Facebook page.
When I first heard that Rich Cotovsky was heading to Washington D.C., I thought the Obama administration had made a swap with the Mary-Arrchie Theatre. Cotovsky would become the President's new Chief of Staff and the wily Rahm Emanuel, having tricked everyone into thinking he was gunning to become the Mayor of Chicago, would actually snag the more prestigious position of being a theater's Artistic Director.
Emanuel could reinvent the late night show Bitch With Rich as Bitch With Rahm, and he'd have plenty of time to grow a beard and long hair for next year's Abbie Hoffman Died For Our Sins theater festival. Meanwhile, Cotovsky, a veteran of in-your-face plays like Wild Dogs, would test Barack Obama's calm and cool demeanor by eating a Twinkie off the floor of the Oval Office.
Actually, Cotovsky's going to Washington D.C. for three-months to join the cast of the critically-acclaimed Tracy Letts comedy Superior Donuts. It's a high profile gig for a talented actor who will surely make the most of it. Mary-Arrchie will be giving Cotovsky a send off party tomorrow night at Justin's Bar on Southport.
He's generated a lot of good will at the theater, as well as among the countless performers who have taken part in Abbie Hoffman Died For Our Sins, an annual weekend celebration of drama, comedy, and music. (I know because I'm one of them.) So here's a toast to Rich Cotovsky: Knock 'em dead in Donuts.


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Zinc oxide
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zinc oxide
Name:Zinc oxide
Appearance:white powder
Brand Name:GNZS
Place of Origin:Tianjin China (Mainland)
Package:in plastic woven bag 25kg net,24 mts in 20'FCL or as per customer's requirements.
Minimum Order Quantity:25 Ton
Supply Ability: 500 Ton per Month
Delievery Time:within 2 weeks after the order confirmed.
Properties:white powder, unscented, not soluble in water and alcohol, but it soluble in acid, sodium hydroxide solution, ammonium chloride, the relative density(water=1) is 5.606.
Application:Zion oxide is the most widely used oxide, it is very important chemical raw material, is mainly used in rubber, cable, pharmaceutical, chemical, and paper industries. it also be used as paint pigment and rubber filler, Medically, it can be used for the system ointment, zinc paste , plaster, advanced glass products, magnetic axis, military pyrotechnics, etc.
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Were we taught patience in school? It's been a long time since I've gone through those hallowed doors which we were sent by our parents while they went off to do what it was they did to support us. "Progress seems to be equal to patience, or lack of progress when you can't control and … Continue reading
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Can bloggers block make you constipated? Can the relief of one stress be relieved of another stress? Can the lack of do something you love ( judo, Bjj, bike riding) make you bipolar? Can eating too too much apples make your sweat smell like sweet apple sauce? Can driving to much between three state in … Continue reading
Existentially Happy
"live my life, the way I choose to live it, existentially happy" –themercadoproject.com priceless. As always, Workout, Drink be Merry. Continue reading


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I use Ove 4.01. I use NI Kontakt w/GPO2.
I upgraded to GPO4 with ARIA.
I diligently made new ARIA custom ensembles to my liking.
I opened Ove and installed the ensembles to my instrument rack... _BUT_ the note durations "clip" (electronic clicking noises) and then clip out all together.
I googled but did not see similar problem.
I use MIDIsport 8x8 and delta 10/10.


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May 15, 2011
Frank's Hot Sauce
Word is that Walmart has Frank's Hot Sauce for $0.98. In todays paper we got a $1.00 off coupon (SS 5/15) making it FREE and a money maker. I guess my boneless skinless chicken in the crock pot with Frank's Hot sauce will be on the menu this week.
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Two events in February 2018 looked at ways of bending the curve on demand and prices in adults social care and children's services.
Hence the encouragement for all of us to engage in the work on the Green Paper on Social Care Funding and also to respond to the Competition and Markets Authority's report on care homes - given the recommendation that Local Authorities pay a £1bn more to providers. Who would pay at least 12% to 15% for a mortgage which is the implication of what the CMA is recommending?!
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Show up in Walled Lake with your eye on new experiences and be ready to sightsee in the region, and you'll never be disappointed. Last year, travels to this destination were a popular activity, and Walled Lake is so great that scores of folks call it home. Yes, you could hop into a taxi at the airport curb. Or you might want to use public transport to explore after you put your bags down at your hotel. But with a rental car you can explore Walled Lake on your own timetable; renting a car means more freedom during your vacation. Wave goodbye to being held to the public transit route and howdy to a vacation on your own terms.
If you're seeking a great deal on car rentals in Walled Lake, Expedia knows how to suit any traveler. Our fleet features cars and trucks for everyone from independent travelers to huge groups. Browse our inventory for a smaller car that is easy to handle, or turn the keys in a bigger car that has room for anything you purchase on your travels. When you book Walled Lake rental cars on Expedia, you can choose from:
With Expedia, it's simple to select your travel dates and your ideal car, and your rental car is guaranteed just like that--locating a rental car in Walled Lake has never been easier! The one thing left to do is go shopping for a set of sunglasses for your drive and find the perfect accommodations.


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The Mini Converter Analog to SDI from Blackmagic will accept an HD/SD component, NTSC, PAL, or S-video signal and convert it to an SDI output. You can also choose to embed SDI audio from balanced AES/EBU or analog audio inputs. Use this device to convert video from Betacam SP, VHS, set-top boxes,…
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Fought on March 27, 1814, in the rolling hills of Central Alabama, the Battle of Horseshoe Bend was one of the most important battles in American history and one of the most dramatic U.S. victories of the War of 1812.
For six months, the United States had been engaged in brutal combat with the "Red Stick" faction of the Creek Nation. The Red Sticks, so named because they displayed red warclubs or "sticks" in their towns, were a nativist group of Creeks who followed a religious movement developed by the Shawnee prophet, Tenskwatawa. The waged a civil war for control of the Creek Nation beginning in 1812, but began fighting the United States in 1813 after a party of Mississippi Territorial Militia attacked one of their supply trains at Burnt Corn Creek, Alabama.
The resulting conflict, remembered today as the Creek War of 1813-1814, was a part of the War of 1812. After two previous United States invasions of the Creek Nation turned back due to supply shortages and heavy fighting, Major General Andrew Jackson fought his way south into the heart of the nation with an army from Tennessee. On March 27, 1814, he attacked the Red Stick fortifications at Tohopeka ("Horse's Flat Foot" or "Horseshoe Bend") on the Tallapoosa River.
The resulting Battle of Horseshoe Bend forever broke the power of the Creek Nation. To learn more about the battle and see modern photographs of the battlefield, please visit our Horseshoe Bend Battlefield pages at: www.exploresouthernhistory.com/AlabamaHSB.


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Fireguard FT Compact
The Fireguard FT Compact range is a Compact tubular driven fire shutter that provides a fire protection barrier for 1 – 4 hours.
The Fireguard FT Compact range is a fire roller shutter that can be specified as:
• 1 hour fire protection. FT01
• 2 hour fire protection. FT02
• 4 hour fire protection. FT04
The Fireguard FT Compact range is manufactured to BS EN 1634-1 & BS 476 Part 22 standard.
Constructed from steel sections of 76mm cold rolled 20 gauge galvanised steel. The FT60 shutter provides a
defence against the spread of fire and can be used as a security door on a day to day basis.
The compact design allows the FT compact range to be installed in areas where traditional fire shutters are not
The system can we linked to audio / visual deacon fire alarms to ensure automatic closing in case of fire detection
with battery backup in the event of power failure.
Tested Report Number WF314225 – BS 476 Part 22 & BS EN 1634-1:2008
Common use:
The Fireguard FT roller shutter is commonly used in kitchen survery areas, schools, hospitals and commercial offices where installation restrictions for space require a compact system.
Maximum Width:
76mm flat galvanised steel lath
12.5kg per square metre (dependant on size)
Galvanised bright rolled mild steel but polyester powder coat colour's are available at additional cost.
Product Enquiry
Fill out the form below and we will contact you with further details on this product and its manufacture..
As a respected manufacture and installer, HAG take pride in all stages of our work from the design of a door system to the fitting and commissioning.


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Your Ford dealership isn't the only place to locate trusted repair parts to fix your Aspire. The vehicle in your driveway symbolizes the best in class when it comes to all the cars, trucks, and SUVs these days. It's not all the time that you find yourself in need of a replacement Power Steering Line - Pressure to repair your automobile. Obviously, you bought your Aspire because you wanted to buy horsepower and unique style both rolled up into one automobile.
You never realize what you've got until it's gone, and the same is true for your power steering. If you think you have a leak in your Ford Aspire power steering pressure hose, start the car and turn the steering wheel a couple of times. If you see a puddle of fluid, then you know there's a problem. Without a power steering pressure hose, it becomes very difficult to maneuver your vehicle... especially at low speeds. That's because the power steering pressure line on your Ford Aspire is responsible for transporting pressurized hydraulic fluid from the power steering pump to the steering gear. There, the motions you make when you are steering are assisted by the pressurized fluid... all thanks to the power steering pressure hose.
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Pressure Tube Assembly
Vehicle Install Locations: Tube - To Rack
Vehicle Install Locations: From Pump
Pressure Hose Assembly
Vehicle Install Locations: From Pump


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A pop sounded as I hacked through the top of the onion and it fell away, revealing the moist rings below. Over and again I sliced down and slid the blade across the root, paring thin slivers and hearty chunks ready for the pot.
To one side, hot oil hissed and spat in eager anticipation. Almost as soon as each slice hit the chopping board, I scooped it up and dashed it into the pan. Before long there was a thick layer of thin onion rings turning first a pale, ghostly white then a deep golden caramel.
I clapped the flat of the blade down on top of one clove of garlic, then three more. Each burst and peeled away from its shell. They too for the pot, their sweet aroma rising with the earthy tang of the onion.
Beef stock, warm and homely, splashed down and bathed the sweating roots in a hot marinate. But something was missing. Salt gathered the three ingredients together and herbs picked each out anew. Something still lacked as I carefully sipped the hot liquid.
"Do I dare?" I thought.
As soon as the bright, garish yellow mustard left my spoon I regretted what I had done. Its sharpness and bite would drown out every other flavour in the pot. Wincing, I took another sip.
It was a tender steak, cooked to perfection with a side of fried onions. Here and there were dashes of mustard, gone too soon to be more than a fleeting savour. A hearty meal resting in the bowl of a wooden spoon.
I just made onion soup! Flavour copyright J S Malpas, all tastes reserved.


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Protocols Software Limited and its predecessor Protocols Lawyers Software limited were formed to develop applications designed to systemise processes used by Lawyers. The current directors have been involved since the company was formed and worked together on the initial brief for the Protocols Convey application.
The company brings together legal and I.T. professionals who contribute to the mapping of a process and its conversion to user friendly computer applications which chart and automate time-consuming tasks. The applications are thoroughly tested by specialist software testers and also extensively trialled in practice. The emphasis is on developing step by step programmes which eliminate human error and securely lead the user from the initial opening of a file to a final client report and file closing.
The applications designed by Protocols are ideal for those starting in practice or firms who do not have computer based systems for processes like conveyancing. The systems free up Principal time and allow many more transactions to be processed in less time by fewer and less experienced staff. Transactions are clearly charted and can be taken over at any point by a new staff member. The systems are designed to maximise productivity and streamline organisational workflow.
J.C.Simpson graduated from Otago University Law School in 1973 and was admitted as a Barrister and Solicitor in 1974. He is also a Notary Public and has thirty-five years of practical experience in private practice in New Zealand and the United Kingdom. He is the Principal of Simpson & Co. a Kapiti Coast Law firm specialising in property and family law. He has offices in Paraparaumu, Otaki and Foxton, and an extensive "virtual" practice with clients in other areas and countries. He has considerable legal and business experience as a lawyer and also as a director of a number of private companies, partnerships and trading trusts. Since joining Protocols he has been involved in software development and delivering seminars and tutorials relating to conveyancing.
Angus Cotton graduated from Wellington Institute of Technology with a Bachelor of Information Technology and has over 22 years of experience in commercial software architecture, design, development and people management. He has worked predominately in the financial services and online internet sectors delivering various sized solutions using a multitude of technologies.
The variety of work has given Angus a breadth of skill and knowledge which is uncommon within the Information Technology community and allows for a greater degree of flexibility to meet the needs of particular business requirements. While he considers himself a technology generalist, he is however especially skilled in solution architecture and design, design patterns, services oriented architecture (SOA), human computer interaction (HCI), web development, Microsoft Windows development, Silverlight and computer telephony integration (CTI).
Angus is passionate about "taking the technology out of technology", believing that effective software applications need to be designed around human factors, not technical factors.


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By Patience A. Gbeze, GNA ACCRA, Ghana, Sept. 17, 2016 (GNA) - The Ghana-Russia Permanent Joint Commission for Cooperation (PJCC), has welcomed the agreement on cooperation in the field of the use of nuclear energy for peaceful purposes signed on June 2, 2015, in Moscow.
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|Unlock Forum posting with Annual Membership.
First off, hello everybody. I just joined PBS less than a week ago and I've heard some really great things about it. The main reason I signed up is because I'm trying to eliminate a lot of clutter in my house and get rid of these books that I don't plan on reading again. I do have a used bookstore downtown and I have some credit there, but they don't always want the books I offer. I've even donated books to the library, but I never know if they'll be bought at the book sales or added to the library inventory.
The idea of sending books off to people who would want and love to read them seemed like a fun and inventive way of limiting my clutter, but at the same time getting new books. I'm just wondering if I would be "Greener" by simply going back to the used book store/library route. I'm sure if I accumulated the amount of postage after three months, I'd probably spend more than I saved as far as getting new books is concerned.
Here are a list of newbie questions that I would be so grateful if some of you could answer:
I just sent off my third book today and this time, I selected delivery confirmation to get the instant credit, but I haven't seen it show up on my account yet. Will I get it soon?
Have there been cases where people who received my books have NOT alerted PBS and given us credit?
How large is everyone's wish lists? And what is an "auto-wish list" exactly? I had a hard time deciphering that.
I hope I get a chance to talk with all of you about this website and I'd appreciate any help you can offer me in the long run. Thank you!
Welcome, Elizabeth!
You'll get the credit for delivery confirmation when the Post Office scans your book, and then uploads that info to our site. The timing on that is different for everyone, depending on postal sorting schedules, I suppose. Mine are often scanned in the wee hours of the next day -- as in 24+ hours after I mail them -- but you may find your scan comes in faster than that. Delivery confirmation gives you "quick credit". "Instant credit" is when you use PBS postage -- you get the credit when you mark the book mailed.
If a member hasn't marked a book received after a certain time interval, the site will send emails asking if the book has arrived. Also, if a member hasn't logged on for a while and appears inactive, the server will mark the book "received" rather than "lost in the mail." So it's rare that a member would forget to mark a book received, but it happens. If you send the member a message and don't hear back after 5 days, you can contact the administration here, and they'll step in. However, since you used PBS delivery confirmation, you would get to keep your credit even if the book goes lost in the mail.
You can add any book that isn't currently available to your wish list. When you reach the top of the wish list, and the book is offered to you, you have 48 hours to respond and click that you want the book. If you choose to place the book on "auto-request" on your wish list, then you don't have to worry about the 48 hour deadline. When the book is offered to you, the server will accept the offer for you. Only place books that you know you are going to want on auto-request, and be aware that if you place your account on vacation hold, auto-requested WL books will still be mailed to you if you have the credits to cover them. Auto-request bypasses vacation hold.
Most people's wish lists are limited to 200 books. Gold key membership ups that to 300 books.
Glad you found us!
I'm sure if I accumulated the amount of postage after three months, I'd probably spend more than I saved as far as getting new books is concerned.
Hey, Elizabeth!
While PBS is a great site, it's one where you have to figure out how to use it to your best advantage. The question is "Where can I get the books I want to read at the best price?" Sometimes it may be from here, sometimes not. Just use it when it is and it works for you.
For me, I'm a huge 'series' reader. I've been able to complete and read some very good series, in order, due to PBS. Sometimes as a series goes along it can be hard to find the early ones, even in book stores or libraries. So I mostly used PBS to complete collections I wanted to continue. It's worked pretty well for me, as long as I allow enough time for the books to arrive and stay patient.
I just sent off my third book today and this time, I selected delivery confirmation to get the instant credit, but I haven't seen it show up on my account yet. Will I get it soon?
I think you usually get it after it's been scanned along the way, and after PBS connects to the USPS to get the information. I don't ever use that so maybe someone else can help.
Have there been cases where people who received my books have NOT alerted PBS and given us credit?
Some books do go lost, and some may get 'delivered' but at the wrong address. The sorting machines at the P.O. can tear up some packages, and they never get to where they're going. If someone does it on purpose the site can see from their statistics and decide whether to take action. If you buy the DC for the credit, then PBS will give you the credit and they take the hit. Which is why some people like to spend the extra to be sure they don't lose out.
How large is everyone's wish lists? And what is an "auto-wish list" exactly? I had a hard time deciphering that.
It will depend. I have 85 on mine, but I'm looking for more than one edition of a book, and each edition takes a space. Usually, you're allowed 200 WL spaces, unless buy into the Gold Key membership which entitles you to 100 more slots. It used to be unlimited WL spaces, but they changed it to 200 years ago. You can also put books on your Reminder List if you want to keep track of books in the system.
If your turn comes up and a book you have WL'd becomes available, the site will send you an email asking it you want to order it. If you know for sure you will accept it, and/or will be on vacation, sick, or any other reason you may miss out on getting to the email in a timely manner, you can put the book (or all of them) on Auto Request. If you have a credit in your account the site will automatically order the book for you so you don't miss out on it.
There is a lot of information in the Help Docs. Here. If you have any other questions, it's a good place to see if you can find the answers.
Welcome Elizabeth! Patty and Cindy did a great job of answering your questions. I just want to say hello and welcome to PBS. I hope you thoroughly enjoy your PBS experience, however it works best for you.
Welcome and don't forget to check out Tips For New Members at the top of this forum:
I'm just wondering if I would be "Greener" by simply going back to the used book store/library route.
" I'm just wondering if I would be "Greener" by simply going back to the used book store/library route. "
This can be kind of a tough one. For every book that is requested from you and that you send, you get a trade credit that can be used to request a book from someone else. Working within this paradigm, you don't cut down on the number of books in your house as long as you use your credits to request other books.
However, the site does have several alternatives that can be employed for ridding yourself of books and excess credits. For example, you can donate excess credits to PBS's School Donation Program, or you can give some of your credits to your friends on the site. You can also sell excess credits or give books away for no credit in the Book Bazaar. Of course, each of these options entails a real physical cost for you since you will have had to pay all the postage costs entailed for sending books to other members in order to earn the credits to donate or give away.
Last Edited on: 7/17/14 3:07 AM ET - Total times edited: 3


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Click on Restore Wait for the restore to finish. I just realised that I have switch leader and socket. MacRumors attracts a broad audience of both consumers and professionals interested in the latest technologies and products. Do you feel Apple Store would help fix my issue. have a peek here
share Share on Twitter Share on Facebook Email Link Like + Quote Reply juniormaj, Jul 27, 2007 juniormaj macrumors regular Joined: Dec 28, 2001 Location: Newbury Park, CA #13 msizzle64 said: TheUnlockr 8,759,187 views 7:35 The 5-Minute USB Fix - Duration: 5:01. And I did have to press the two buttons really hard for about 30-60seconds. There is something wrong with the bricks.
If you're charging the iPhone from a USB cable connected to a computer, sometimes the USB port on the computer itself is the problem. Thanks again Rich Reply Ryan says: July 25, 2016 at 4:10 am This is the exact same thing I had to do. But then when it gets to 60% it dies. Was this review helpful to you?
All postings and use of the content on this site are subject to the Apple Support Communities Terms of Use. Apple Support Communities More ways to shop: Visit an Apple All rights reserved. Yes No Sending feedback... How To Fix Iphone Charger Port There is the Apple Power Adapter (the plug bit) and the Lightning to USB cable (or 30-pin cable if you've got one of the older iOS devices with the larger, Dock-style
LOL, I stopped by my nearby Apple store (Danbury, CT) and they were closed for remodeling this week! How To Fix An Iphone Charger That Won't Charge The frequency of the network is either not very stable, or it contains a lot of spikes and dirt... Never had problems like this with Samsung and LG androids. Visit Website Nothing.
A LONG TIME. How To Fix A Samsung Charger Cord Please Reply me soon i'm in great trouble. Plugging directly into an Apple AC adapter with an Apple USB/Lightning cable works. Was this review helpful to you?
Yes No Thanks - please tell us how to help you better.
Reply Debbie says: June 14, 2016 at 4:18 am Restart phone it works. How To Fix Iphone Charger Cord Finally, it was just A LOT of dust! How To Fix A Broken Android Charger Could not reset or charge.
my iPhone is charging again!!! http://emhsoft.net/how-to/apple-usb-cord-not-working.php What is bizarre in my case is that id I plug my SE into a running computer, it starts charging, but if I plug i in the wall with the original Sorry, we failed to record your vote. I am still impressed that I can fully charge it, unplug it, and when I come back 8-12 hours later, it's still at 100% being in standby. 0 2 years ago How To Charge Iphone 5 Without Charger
Product Information Style:Apple 12W USB Power Adapter Product Dimensions 3.5 x 1.2 x 2.5 inches Item Weight 3.2 ounces Shipping Weight 3.2 ounces (View shipping rates and policies) Manufacturer Apple Computer nerrage 740,963 views 5:01 iPad Charger Not Working! - Fix | 2 Min Fix! | Works With All Apple Devices | - Duration: 2:52. Even if the packages are sealed and look brand new.Thank you. 2 Comments 79 people found this helpful. http://emhsoft.net/how-to/apple-5w-usb-power-adapter-not-working.php thanks so much for this post.
I believe this to be an adapter issue and not the phone itself. Iphone Charger Stopped Working Not Certified Most of the time it breaks the contact with the charger and the phone. Jul 7, 2007 7:02 PM Helpful (0) Reply options Link to this post by BostonNorthFCP, BostonNorthFCP Jul 7, 2007 7:06 PM in response to Leone D'Antonio Level 1 (0 points) Jul
Reply CATFISHHANDS says: July 14, 2016 at 7:23 pm Hey thanks! If you apply via Apple Technical Support, you will also need to provide your iPhone's IMEI number along with your name and address so that we can send you a new It is largely impossible to repair the Apple USB Power Adapter without breaking the insides, because of the amount of glue in the (extremely compact) interior. How To Fix A Charger That Won't Charge I tried the hard reset and different outlet and I also bought a Duracell charger but nothing has worked so far. -1 1 year ago Reply Lane Jasper1 ALWAYs use official
Thank you for your feedback. We also boast an active community focused on purchasing decisions and technical aspects of the iPhone, iPod, iPad, and Mac platforms. Reply jeff says: May 25, 2016 at 11:02 pm iphone 6 won't charge and battery dies fast after 9.3.2 update unless phone is turned off then back on. this contact form One cable was spare I hardly ever used but new cable and same usb adapters and everything worked.
Maybe your life is hectic and the last thing you should be doing is learning Portuguese, but hey, you can dream, right? Yes No Voted Undo Score 1 Cancel Add a comment 0/1024 Cancel Post comment Are you sure you want to delete this zzzzzz? So I was wondering if anyone else has actually done this before and if there is a best way of going about it? See some lint or some other wad of gremlin or crud?
Order within and choose Two-Day Shipping at checkout. share Share on Twitter Share on Facebook Email Link Like + Quote Reply iSee, Jul 27, 2007 iSee macrumors 68040 Joined: Oct 25, 2004 #21 Mine stopped working, too. it charges when its connected to the computer.Click to expand... Good product full Perfect.
Thought that fixed the problem yesterday but same thing happened today. thank you so much 0 1 year ago Reply Lane Jasper1 Charge it with power off. Troubleshooting iPhone battery life problems? It can also happen if an electrical or other problem occurs in your regular outlet or port.
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Troubleshooting Auto unlock not working? Was this review helpful to you? Try a friends cable with your charging cube before buying a new charger all together! We invite you to learn more about Fulfillment by Amazon .


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= Dave eats children.
This was the rumor going around the villages (or at least made its way to Jimmy's homestay parents who then got a french speaker to relay this urgent piece of information to him) about the vazaha Dave in the next town over who was unfortunately hunting down and eating all of the children in the village - or whichever ones he could sneakily get his hands on!!! This was absolutely not a joke, and jimmy's parents were really concerned that our academic director Roland should know asap about Dave's misbehavior. Apparently, Dave's daily walks by himself indicated to the villagers that he was on the prowl for scrumptious malagasy children... so weird, right?
Other rumors got passed around between villages as well: Laura was really sick in the hospital (not true at all), maddie was terrified of a mouse, dave was really sick until he saw charlotte (although this was definitely 100% true... the lovebirds), emma was calm....?! i mean yeah i guess i was calm but what the heck kind of anecdote is that to pass along? talk about lost in translation?


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Jus Randy Says the Warm-Up Is Over: 'The Lazarus Year'
April 6, 2011
Toronto MC, Jus Randy is back in the studio and soon coming out with some new material. "The Warm Up is Over!!" Jus Randy says whole heartedly while taking a break during a late night studio session. After releasing two singles that was well received by DJs, Bloggers, and HipHop purists alike over the summer and fall months of 2010 Jus Randy is on the hinge of releasing his third installment called Hliðskjálf (It's Too Damn Late!). Produced by Gameboy with a vocal appearance by Dvocalz the single is a game changer.
Before the official release we want to take you on a brief journey of Jus Randy's permanent influence and contributions to our ever growing Canadian HipHop culture. Get a sneak peek here: http://player.vimeo.com/video/21056516?byline=0&portrait=0
Interviews Contact Karine: firstname.lastname@example.com
Bookings & Inquiries Contact Gail: firstname.lastname@example.com
Djs @ Radio Contact Gene Tegola: email@example.com


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The improving economy has presented new lending opportunities for financial institutions, which are using business credit cards to broaden relationship with small business owners while generating attractive returns on assets.
Small business owners are increasingly looking to unsecured credit, rather than traditional loans, as a faster and more convenient funding mechanism. Business credit cards enable small businesses to better manage cash position and expenses, to enjoy additional purchasing power through rewards offerings, and to benefit from real-time access to cardholder activity.
Since they first arrived on the scene about 20 years ago, the use of small business credit cards have increased dramatically. In a 2013 report, Mercator Advisory Group estimates that $6 of every $10 of small commercial and industrial loans is generated by business cards, and expects that as demand for credit increases, business cards will benefit. Consider that 79% of small business owners use credit cards as a source of financing, according to the National Federation of Independent Businesses.
While credit card use may be common among businesses, there is still significant potential for growth in small business card adoption and use, thanks in part to current economic conditions and a 49% increase in the number of small businesses since 1990, as reported by the Small Business Administration. As access to credit tightened in recent years, many small businesses were forced to use personal credit for business purposes. This trend has created an unmet need in the credit market, which can be filled by a small business credit card offering.
Only the largest financial institutions once offered small business credit cards, leaving business owners with few options. Today, financial institutions of all sizes are using this business tool to build broader relationships, encourage greater loyalty and establish an ongoing dialogue with small business owners. Small business credit cards also enhance cross-selling opportunities and greater adoption of more services, resulting in longer, stickier and more profitable relationships.
Typically, small businesses have multiple cards per account, and use them as a credit line to extend cash flow, resulting in more high-volume purchases and greater spending. Because financial institutions can potentially leverage existing consumer infrastructure, many will experience reduced operating costs and improved risk management measurements for small business credit cards. Congress exempted business credit cards from the Credit Card Accountability Responsibility and Disclosure Act of 2009, better known as the CARD Act.
With consumer credit cards now more tightly regulated than business cards, small business credit cards present an opportunity for financial institutions to increase their non-interest income and improve revenue streams in two ways. First, interchange income is higher on commercial bank identification numbers than on consumer BINs, and second, business credit cards can command higher fees than those typically expected or permitted on consumer cards. The fee structure is a reflection of the enhanced capabilities available with a small business credit card, such as rewards programs, monitoring and reporting features, and customizable limits on spending and expenses.
Business credit cards can serve as a borrowing mechanism for small businesses, whether in the absence of, or in addition to, traditional loans and lines of credit, in addition to improving cash management. The cash flow issues that stem from aging receivables can be mitigated to some degree by making purchases with a small business credit card instead of a check.
By aggregating monthly expenses and taking advantage of the typical 30-day billing cycle for credit cards, businesses can delay paying for a purchase for as long as 45 days in some instances, or even choose to pay over time. And, many cards offer a grace period during which no interest is assessed, making it possible for the business owner to use the card as a short-term, interest-free borrowing mechanism.
Given the current economy, its likely most small business owners will continue to keep a tight rein on expenses. Robust small business card offerings provide features that enable business owners to track and monitor expenses with an eye toward controlling costs and ensuring employees only use the card for business spending.
Various card products enable the business owner or other authorized user to view card activity online 24/7, restrict card use to certain expense types and set customizable spending limits by individual employee. Business cards also typically come with rewards, which can be a powerful benefit for small business owners who want to invest back in the business or earn additional purchasing power.
To enhance their relationships with small business accountholders and attract new business customers, financial institutions need business credit card solutions that directly respond to the specialized needs of small businesses. A small business card will require a different underwriting approach to accurately assess the creditworthiness of the company, for instance, and may also require unique features and services expected by the accountholder, such as customizable spending limits and more detailed statements that categorize expenses. Its important to maintain pricing flexibility to ensure adequate coverage of the cost of capital and compensation for the level of credit risk posed by each business customer.
Expect the tools that help small businesses manage and control expenses and ease cash flow constraint to remain in high demand for the foreseeable future. For example, a self-service online portal enables the small business owner to manage and administer the account, providing greater convenience and control while reducing administrative work and costs for the financial institution. This self-service feature, normally reserved for the largest financial institutions, is now accessible to any size bank or credit union and their full range of business accounts. Keep in mind, small business credit card solutions are most effective when used in tandem with a robust member rewards offering, enabling business owners to accumulate rewards based on increased card usage and spending levels.
Vikas Bansal is vice president and credit product leader for Fiserv.