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A good vape shop is an essential feature in any vaper's life. They will be able to provide you with a wealth of experience and knowledge that can help to vastly improve your vape habit. They will offer all sorts of added extras and promotional offers, such as taster sessions. The very best shops even have competitions, such as a cloud chasing competitions.
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Look At the Review Sites
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Talk To Fellow Vapers
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subset: commoncrawl


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For those who love small streams, wild trout, and life...in their simplest form
Friday, January 4, 2013
"Psychedelic Smelt" and Schnitzel
23 comments:
Brk Trt,ReplyDelete
WOW!! They both look delicious
There's a restaraunt in Raleigh called the Capital Club 16 that has Rabbit Schnitzel sandwiches. They're excellent.ReplyDelete
Thankfully, I just finished an early dinner...I've had the pleasure to have some fantastic Schnitzel in Austria, those folks know their Schnitzel!! Looks delicious!!ReplyDelete
- AnonymousJanuary 4, 2013 at 4:16 PM
Beautiful pattern there BT!ReplyDelete
Thats one good looking fly AlanReplyDelete
The meal or the streamer; hard to decide, but I think I will go for the outstanding streamer. I am with you here as far as the attractor factor I think this one would get their attention quick!! Thanks for sharing
Being of German decent and I've never eaten Schnitzel. I'm so ashamed. Got to find me a good German restaurant.ReplyDelete
DId you follow the schnitzel with some strudel? Appetitlich!ReplyDelete
You guys certainly know how to live life. This is a great Blog about a stream I have recently come to love. I wish there were more like it in NE. :)ReplyDelete
"Let me take you down 'cause I'm going to Strawberry Fields.."ReplyDelete
Can I get one of these Alan?ReplyDelete
Hi Alan!ReplyDelete
Lovely streamer and truly kind of psychedelic! A work of art that should be framed while it's offspring do their job in the stream. Great fly! Thanks for sharing!
Kind greetings from a "psychedelic" fly tier in Sweden,
Mats Olsson


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HYLETE, a Solana Beach, CA company founded in 2012, filed for an initial public offering on Aug. 6. In the 148-page prospectus, the firm, headed by President and CEO Ronald L. Wilson, II, says it want to raise $17.25 million by offering shares at $8-10 apiece that would be listed on the New York Stock Exchange under the ticker, "HYLT."
In 2018, HYLETE, which focuses on proprietary fabrics and has a broad product offering that includes footwear, generated nearly $11.7 million in revenues but produced a net loss of more than $5 million. Through its HYLETE Project, which develops new products based on customer feedback and input, the company has launched over 45 new products in the last seven years. HYLETE owns a utility patent on a waist-tightening system for cross-training shorts, markets six-in-one backpacks that close in multiple configurations and utilizes a 3-in-1 interchangeable insole system to allow for lifting, cross-training and running in the same shoe.
HYLETE wants to use $2 million of any IPO proceeds to establish a So. California headquarters that will serve as its official "fulfillment meets experiential retail" facility and intends to open its initial East Coast location in early 2020. All brand sales are Direct-To-Consumer or through third-party ecommerce retailers.


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During the discussion of questions of improvement of veterinary education in Russia were made by the rectors of higher educational institutions from different regions, large employers in the veterinary field (heads of agricultural holdings, animal welfare organizations, veterinary clinics and laboratories), officials of the state veterinary service of the Russian Federation. The main topics of discussion were the advantages and disadvantages of domestic veterinary education and possible ways of its reforming, advanced foreign experience. Special attention was paid to topical issues of cooperation of universities and employers.
Catherine Agrinskaya drew the attention of representatives of universities for the lack of preparation of students in the study of the regulatory framework and legislation of Russia in relation to medicines for veterinary use and feed supplements for animals. This preparation is necessary not only for future public employees, and veterinary doctors.
Translated by service "Yandex.Translation"


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| Welcome to my shop, in order to quickly complete the shopping, I will do a few instructions to our shop:
1 , When the total amount of orders < $ 5 , You can not fully track the goods.
2 , When the total amount of orders > $ 5 , You can track the complete shipping information.
3 , If your order amount is more than $50, we will do the right matching according to the area and the logistics, and finally let you receive the goods more quickly.
|*For save some express cost, I suggest you a buy enough goods, this can save time and costs, if you to our goods quality question, please rest assured, we provide free return of goods and services.
•Note: This listing price is for 1pcs, we have 3 Size for this handle.
1pcs Cabinet Knobs and Handles, Cartoon Colorful Cabinet Ceramic Drawer-Handle and Knob.
•Colour: gold + chrome
•Model number: LA4010
•Size( hole spacing): single hole / 96mm / 128mm
• length for 96mm:141mm
• length for 128mm: 168mm
•Screw Lenghth:about25mm(1″)
•I also have 22mm(20mm) length screws, please inform us if you need 20/22mm screws, otherwise I will send 25mm screws for you.
- We ship packages with tracking number for all countries, please allow 1-4 weeks to deliver, if package is not received in 4 weeks, contact us. I will resend or refund for you. (In some remote areas according to the courier official time of delivery
- Pls don't leave negative feedback directly before you contact us for getting solution.
- Please contact us via Aliexpress Message if you have NOT received item in estimated days, we will check it with post office, and then resend or refund at your option.
- If you order the item by mistake or want to change it owing to damaged and not satisfied, pls contact us quickly, we will give money back or ship out the replacement. But pls confirm the item is in good condition and new label, shipping fee should be in buyer's account.
About Feedback:
- Positive feedback will be given to every single buyer after paid. I hope you could do the same to me, which can encourage us to supply better service and goods. For buyers who is not satisfied with your purchase with us. Please contact us before you left negative or neutral or low star, we will try to resolve your problem a.s.a.p.
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- LJ, As a factory specialized in producing all kinds of different home furniture hardware, include Drawer Slide, Handle and Pulls, shower head, water-tap and other home hardware items.
- Our mission is to supply the best quality and most comfortable furniture hardware for your home.


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04 Jan Of Brotherly Love (PLUTARCH) | Part A'
But I see brotherly love is as scarce in our days as brotherly hatred was in ancient times, the instances of which have been publicly exposed in tragedies and public shows for their strangeness. But all in our times, when they have fortuned to have good brothers, do no less admire them than the famed Molionidae, that are supposed to have been born with their bodies joined with each other. And to enjoy in common their fathers' wealth, friends, and slaves is looked upon as incredible and prodigious, as if one soul should make use of the hands, feet, and eyes of two bodies.
For a great deal of friendship in the world is really no better and no more than the mere imitation and resemblance of that first affection that Nature wrought in parents towards their children, and in their children towards one another. For what shall we make of that man who in his complaisance, either in company or in his letters, salutes his friend by the name of brother, and yet scorns the company of that very brother whose name was so serviceable to him in his compliment?
For never was any father so intent upon oratory, ambitious of honor, or craving after riches, as fond of his children. Wherefore neither is it so great a satisfaction to hear them speak well, find them grow wealthy, or see them honored with the power of magistracy, as to be endeared to each other in mutual affection. Wherefore it is reported of Apollonis of Cyzicum, mother of King Eumenes and three other sons, Attalus, Philetaerus, and Athenaeus, that she always accounted herself happy and gave the Gods thanks, not so much for wealth or empire, as because she saw her three sons guarding the eldest, and him reigning securely among his armed brothers. And on the contrary, Artaxerxes, understanding that his son Ochus had laid a plot against his brothers, died with sorrow at the surprise.
For the quarrels of brothers are pernicious, saith Euripides, but most of all to the parents themselves.
For he that hates and plagues his brother can hardly forbear blaming the father who begot and the mother who bare him.
For it must be some great matter that violates the bonds of natural affection; whence it is that such breaches are so hardly healed up again. For, as those things which are joined together by art, being parted, may by the same art be compacted again, but if there be a fracture in a natural body, there is much difficulty in setting and uniting the broken parts; so, if friendships that through a long tract of time have been firmly and closely contracted come once to be violated, no endeavors will bring then together any more. And brothers, when they have once broke natural affection, are hardly made true friends again; or, if there be some kind of peace made betwixt then, it is like to prove but superficial only, and such as carries a filthy festering scar along with it. Now all enmity between man and man which is attended with these perturbations of quarrelsomeness, passion, envy, recording of an injury, must needs be troublesome and vexatious; but that which is harbored against a brother, with whom they communicate in sacrifices and other religious rites of their parents, with whom they have the same common charnel-house and the same or a near habitation, is much more to be lamented,—especially if we reflect upon the horrid madness of some brothers, in being so prejudiced against their own flesh and blood, that his face and person once so welcome and familiar, his voice all along from his childhood as well beloved as known, should on a sudden become so very detestable.
What shall a man do with an untoward brother? I answer, every kind and degree of friendship is subject to abuse from the persons, and in that respect has its taint, according to that of Sophocles: "Who into human things makes scrutinies, He may on most his censures exercise." For, if you examine the love of relations, the love of associates, or the more sensual passion of fond lovers, you will find none of them all clear, pure, and free from all faults. Wherefore the Spartan, when he married a little wife, said that of evils he had to choose the least. But brothers would do well to bear with one another's familiar failings, rather than to adventure upon the trial of strangers. For as the former is blameless because it is necessary, so the other is blameworthy because it is voluntary.
Plutarch's Morals


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Stocks WMT (WMT | WALMART INC.)
Stock quotes WALMART INC. (WMT) for today
Stock chart WMT and quotes
Financial data WalMart
Summary Financials Analysis Options Ownership Company History Related WALMART INC. revenues grew 2.81% in FY 2019 compared to FY 2018 to 514.41bn. Net income fell 32.37% to 6.67bn.
Information about the company WalMart
Walmart Inc. was founded in 1962 and is one of the largest retailers in the world, with more than 11,700 stores under 65 banners in 28 countries and an eCommerce website, serving approximately 270 million customers. The company operates in 50 states and Puerto Rico, and has over 150 distribution centers, a fleet of 6,100 tractors, and 61,000 trailers. In fiscal 2018, Walmart reached revenue of $500.3 billion. Learn more about this instrument and buy WMT stocks.
Company statistics WalMart
Sector: Consumer Non-Cyclicals Industry: Food Retail & Distribution Employees: 2200000


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Here is the answer for: Halloween accessory for the face crossword clue answers, solutions for the popular game Crossword Champ Daily. Today is your lucky day because our staff has just finished posting all today's Crossword Champ Daily Answers. In case something is missing or its simply wrong then you can contact us and one of our representatives will be more than happy to help you out!
Halloween accessory for the face
Already solved Halloween accessory for the face? Click here to go back to the main post and find other answers Crossword Champ Daily September 11 2019 Answers.


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Councillors 100% behind climate emergency call
IN AMERICA, it's the states taking a lead on battling climate change, while the Trump administration maintains everything's just fine and dandy.
Meanwhile, South East Queensland councils are more concerned about staging a bread-and-circuses Olympic event, while the feds offer lip service to the issue in a bid to project political unanimity.
Climate-sensitive Noosa Council has, however, recognised a need to amplify the climate threat by declaring a state of emergency on Monday - being the first Queensland council to do so.
"In making this declaration, Noosa Council joins other local governments in NSW, Victoria, SA and WA as well as the ACT government who have already declared a climate emergency," Noosa mayor Tony Wellington said.
"In fact, 740 jurisdictions around the globe have made the declaration, including the national governments of the UK, Canada, Portugal and Ireland plus cities like Paris and New York."
Across the globe, average land and sea temperatures continue to rise, with the last five years being the hottest on record, he said.
"The most recent IPCC Report noted that humankind has just 12 years to take action to keep warming to less than 1.5 degrees and avoid more serious global catastrophes," he said.
Cr Wellington said Noosa was very susceptible to storm surges and tidal inundation, also tropical storms, with about 2200 properties potentially at risk, but also said for any affected properties the impact would "probably [be] well beyond the generation currently inhabiting them".
The declaration made a laborious journey through council's amendment process as Cr Ingrid Jackson sought to further amplify the declaration's urgency by ensuring letters were sent to the prime minister and opposition leader rather than just local state and federal MPs, and discussion on wordage bogged the process down.
Curiously, Cr Jackson's husband Keith took to social media last Friday to blast the council for mounting "a scare campaign on climate change" among other issues.
Zero Emissions Noosa has congratulated council's move but said the challenge is now for council to put meat on the bones of its words.
"Other councils, such as Moreland and Darebin in Victoria, have developed Climate Emergency Action Plans, outlining what the councils themselves will do in partnership with their communities," ZEN president Vivien Griffin said.
Queensland Break Free Climate Action Group's Phoebe Hayman and Greenpeace congratulated the council.
"By formally recognising the climate emergency, councils like Noosa are stepping up while the Federal Government sidesteps the issue entirely,." she said.
"All over the country, there is a groundswell of action coming up from a local level, which shows that change is coming, and it's coming from the ground up."
Greenpeace Australia Pacific said the council had "called the climate emergency for what it is, and in doing so has thrown down the gauntlet to state and federal governments who are still pandering to the fossil fuel industry".


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Besides Pho, Vietnamese cuisine has also many amazing noodle dishes. You may think most of them are quite similar, but this is a common misconception. Hanoi is a wonderful land for those who want to explore the quintessence of cuisine in Vietnam. Here are the noodle dishes that you can taste only in Hanoi.
Bun cha
Pho might be Vietnam's most famous dish, but bun cha is a lunchtime obsession. The components of this dish are served separately, a broth made of vinegar, lime, sugar and fish sauce, along with vermicelli noodles, a basket of herbs and veggies, and a separate dish of seasoned pork patties and slices of pork belly grilled over a charcoal fire. Mix a little bit of everything together and have a hearty bite.
Bun rieu cua
Bun rieu cua is a vermicelli soup with a tomato-based broth made by slowly simmering pork or chicken bone. But unlike pho or bun bo Hue (Hue beef noodle soup), to which meat slices are added, the key protein component of this soup is the crab meat mixture made of freshwater mini crabs, pork and egg that is almost like a patty. This soup is hearty and wonderful during winter as it combines lots of ingredients like fried tofu, prawns, crab meat, pig blood pudding, bean sprouts and fresh Vietnamese herbs like perilla and cilantro. If you don't mind the pungent smell, feel free to add some shrimp paste for extra savory since the soup is slightly acidic.
Bun oc
Being one of the most famous dishes of Hanoi, bun oc can satisfy people of all ages. The dish, however, is very simple, containing only rice vermicelli, several snails, sour broth and herbs. This is a special cuisine of Hanoi. Anyone who once lived in Hanoi cannot forget this cuisine, which has nourishing flavor of thickened vinegar, moreish and brittle snails, dried tofu, raw vegetables, etc. Although it is quite easy to cook, it needs secrets to have a delicious bowl of bun oc.
Bun thang
Bun thang or rice vermicelli with chicken, egg and pork can be enjoyed at any time of the day. The clear yet flavorful broth is made with 20 ingredients, including dried shrimp, squid, shrimp paste, spring onion, coriander, ginger, mushroom, beet, fish sauce, sugar candy, and vinegar. It is also a particularly attractive Hanoi dish as the noodles, chicken, eggs, pork slices, and a dollop of shrimp paste are carefully arranged to resemble a flower. Bun thang is one of the most popular yet hidden fares in Hanoi and one can find it only outside of the Old Quarters or a few special restaurants scattered across the city. The chicken broth is artistically done and the dish is beautifully served.
Mien luon
Image: Will Fly For Food
The main ingredients of mien lươn are mien (cellophane noodles), luon (eels), fried shallots, bean sprouts and cilantro. The eels are usually deep fried to eliminate their fishy smell and to add a tasty, crunchy touch to the dish.
Mien ngan
Image: @phuongtrang
Northern Vietnamese have certain rules for what food pairs best together. Bun tends to go with fish and shellfish, while phở is usually eaten with either beef or chicken. Mien (cellophane noodles) can go with either freshwater eels or poultry such as ngan (creole duck), and mien ngan is creole duck cellophane noodle soup. The combination of the duck and bamboo shoots in this dish is absolutely perfect.
Source Internet


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Villa Stella is built on two levels. It is 74 sq. m. and can accommodate up to 6 people. It offers all necessary facilities for holidays in Paros Greece, for guests with special access requirements.
Ground floor: The ground floor fully satisfies the accessibility requirements for individuals with disabilities, providing them with a safe environment. The ground floor plan consists of a bedroom which can sleep 1-2 persons, a private bathroom for guests with special access requirements, fully-equipped kitchen and a separate living room.
1st floor: It has two bedrooms which can sleep 4 people (1 double bed and 2 single beds). Each bedroom has a sea view and a private bathroom. Of the two bedrooms, one has a sitting area.
Stella Villa can sleep an additional 2 people on the single sofa beds located in the sitting room and the living room, on the ground floor.
One of the bathrooms features a Jacuzzi – shower.
Satellite television
Daikin air conditioning (Cooling – Heating)
Ceiling fans (silent)
COCO-MAT mattresses
Large refrigerator
Fully-equipped kitchen
Coffee maker
Washing machine
Clothes iron & ironing board
Portable computer (laptop)
Living room
Children's bed
Free Wi-Fi
Private bathroom
Private balcony with sea views
Private ground floor veranda with sea views
Private outdoor Jacuzzi (for 4 people)


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ASEXUALITY IS BULLSHIIIIT.people who claim their asexual are either one of two things:
Your email address will not be published.
January 12, 17 Comments Categories:
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With the Salesforce mobile app, your office is wherever you are, because you can do the same things you do on your desktop on your phone. Update customer info on-the-go, prioritize which customer to call, and keep track of customer commitments from anywhere.
Essentials allows you to translate the many ways you measure your business into reports and dashboards. Customize as much as you want, so you can use the metrics that are relevant to your business needs.
"With every customer detail in one place, I can be my best business from anyplace."
Christine Volden
CEO, Soulful Selling
Every business uses different tools to make things happen. You might store files in Dropbox or sign contracts in DocuSign. Essentials is built to work with all of those and more, so you can get more out of the apps that already work for you.


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Hello, I had a ct scan done which showed a 4.6 cm cyst on my left ovary. I went in for my follow up ultrasound and I'm unsure of the results and worried something must be going on. The ultrasound said my cyst was gone, but had the following findings.
-small hyperchooc foci at the margin of endometriem
-small benign microcalidocstions
-cystic lesions identified on my cervix (suggest nabothian cyst)
Ovary mes...
We care about your feedback. Let us know how we can improve your CancerCompass experience.


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'Pixels' Trailer: Pacman and Donkey Kong Attack (VIDEO)
Sony Pictures has released the official trailer for Pixels starring Adam Sandler, Kevin James and Peter Dinklage (with a mullet). Pacman is a bad guy! No!!!
So basically, the idea is, aliens invade the Earth using video game characters like Pacman and Donkey Kong.
Opens this summer.
This summer, it's game on or game over! When aliens misinterpret video feeds of classic arcade games as a declaration of war, they attack the Earth in the form of the video games.
Cast: Adam Sandler, Kevin James, Michelle Monaghan, Peter Dinklage, Josh Gad, and Brian Cox
Directed by: Chris Columbus


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640w LED-HID Coupling Grow Light System
Complete LED HID Coupling Grow Light System
400w HID Grow Light, 240W LED grow light
- Description
– LED/HID combination of advantages,both HID heating and LED accurate light supplement function.
– Broad spectrum,suitable for different growth characteristics of plant,especially in high latitude areas of supplementary lighting flowers.
– Aluminum alloy die-casting lamp body,suitable for conditioned environment.
– Modular assembly for easy installation and maintenance.


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A collection of recipes dedicated to good friends and good food
by Audrey 4 Comments
Those Pumpkin Peppers look like such fun! Thanks for hosting another great party. 🙂
What? See, sometimes is sounds like our weather is the same, but you actually get fall colors?? So jealous! Have a great week, Audrey!
Ha ha, one of the other hosts wrote this and I didn't notice that. Our leaves do change color in fall, but that's because this is spring for our California native plants after going dormant in our dry hot summers. The sage I was going to pull out because I thought it was dead starting sprouting leaves after one tiny little rainstorm last week.
Audrey, I love autumn. And someday I'm going to do a "color tour" in Vermont! In the meantime, I'll check out some of these fab fall fun posts.
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Articles tagged with: NASDAQ
Stock Market Crashes »
The stock market has just finished its worst trading day since the financial crisis. The Dow is closing with a loss of 512.76 points, or 4.31 percent, to close at 11,383.68 and it was the "Worst Trading Day" for the Dow Jones Industrial Average since December 1, 2008 when the DJIA fell 679.95 points.
Featured »
Headline »
Mini Flash Crashes are still occurring routinely with individual stocks, a sign some of the problems that contributed to the short-circuiting of the markets more than a year ago are still happening. Despite efforts to prevent another flash crash, regulators and markets have moved to implement safeguards.
Featured »
What if someone had come to you when the NASDAQ was at 5000 in late 1999 and told you that the NASDAQ was going to decline 80% over the next few years? Would you have gotten out after such a great run or would you have continued pouring money into an environment that surely felt like it was — different this time?


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11th Annual ATPF USD Winter Wonderland
Want to RSVP for your family? Sign up here: https://forms.gle/8gt6FDacUW92CzFy7
Want to volunteer? Sign up here: https://forms.gle/79qy3NeeJYn4EpGr6
We will be hosting our Annual Cookie Exchange Contest during the event! To enter into the contest, bring 2 dozen of your favorite holiday treats (cookies, brownies, etc) to share on Saturday. Top 3 winners get a special prize from ATPF!


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Formal and Informal Email Phrases Starting with Greetings Giving Examples It is extremely important to supply examples to your readers which will illustrate your points. Without examples being given to illustrate your claims, a realistic picture cannot be given to your readers of what you mean to say or what you are trying to demonstrate. Giving examples also makes your writing more comprehensive, showing other ways of looking at a topic and allows readers to investigate information further. Without giving examples in your writing, your writing can be dry, unsubstantiated, and not well-rounded.
This website uses cookies that provide targeted advertising and which track your use of this website. You can change your cookie settings at any time. Continue Find out more Home Explore Word lists Literary words Literary words In many writing exercises, whether they be writing a job applicationcreating a speechor business writingyou will probably have been told to use everyday words and keep your language simple.
That is often very sound advice, and helps keep communication simple and effective.
In some contexts, though, you may wish to use a less common, more elevated word. This list of words below would largely be used in writing that was intentionally seeking a literary tone.
That might be a poem, or if you are writing fiction in the dialogue of a literary character - or even a pretentious one. On the other hand, you may simply want new words for language games, or hope to impress friends and family!
Whatever the reason, the list below will offer literary equivalents for everyday words behold for see ; lightsome for nimble ; dulcify for sweetenterms relating to Greek mythology RhadamanthineStygianand words with unexpected meanings crapulentfor example.#essay #essaywriting basic english writing skills, compare and contrast introduction example paragraph, steps to essay writing, example introduction for essay, definition of expository, topics to write an essay on for college, examples of cause and effect sentences, how to write a research paper on a person, personal letter for university.
Dec 03, · Hello, can someone, anyone, please list a bunch of words that when put into an essay, it makes the essay sound good and impressive. I need it quick as the paper is due tomorrow! The trading floor of the New York Stock Exchange just after the crash of On Black Tuesday, October twenty-ninth, the market collapsed.
As the term implies, compare and contrast transition words are transitional phrases/words that show comparison and contrasting relation of two ideas.
They are also used to emphasize negative and positive ideas.
For you to have a clue on what exactly are they, here is a list of the most common contrast and compare transition words and phrases.
The Guide to Grammar and Writing contains scores of digital handouts on grammar and English usage, over computer-graded quizzes, recommendations on writing -- from basic problems in subject-verb agreement and the use of articles to exercises in parallel structures and help with argumentative essays, and a way to submit questions about grammar and writing.
Penn State Scandal Essay Words | 10 Pages. Penn State Scandal Everything was looking good for Joe Paterno and Penn State football as his football managing career rose with an overall record of but in , all that changed.
Creative writing contest kinds. Globalization economic essay negative opinion essay newspapers learn english a problems at school essay teenager visit the museum essay kaghan valley my favourite job essay york? essay book in pdf manuscript paper research parts tagalog essay on fashion christmas in marathi creative writing new school guide (personal computer essay ateneo example) essay about. Chinese text annotation tool is available to assist you in reading Chinese text. The help comes in several ways: adding spaces between words, adding inline Pinyin or Zhuyin annotations above words and adding pop-up annotations with English definition of the word. This is a list of plain English words and phrases and the longer, more cumbersome words they can replace. The problem word is listed first; the plain English alternative follows.. Plain English (or plain language) is communication in English that emphasizes clarity and brevity, and avoids technical language—particularly in official government or business communication.


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Top Five Muses of Abu Jani Sandeep Khosla
July 7, 2019
Known for their blend of traditional aesthetics with modern design, here are the Top five Bollywood beauties featuring in Abu Jani Sandeep Khosla. Further, we have Priyanka Chopra, Sonam Kapoor, Deepika Padukone and more. Take a look.Also Watch Karan Kundra and Anusha Dandekar Shoot for a Romantic Music Video


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35ltd's Brooke Riopel is a graphic designer getting her craft on with knitted, crochetted, embroidered and laser-cut items to add whimsy to any space.View details
AirClix specializes in digitizing and printing artwork and photography.View details
Alexis Marie Chute is a visual and literary artist, an author, documentary filmmaker, curator, and inspirational public speaker and teacher.View details
All on iPad create artworks directly on an iPad tablet, from which prints can be made directly to paper or glass.View details
Creates bold and colourful Alberta landscapes, exaggerating the natural patterns and rhythms that are often taken for granted around the various parts of Alberta.View details
Alyson Davies makes art in Edmonton and shows it at many galleries in the city, across Canada and into the U.S.View details
Amanda Schutz is an illustrator and fine artist who focuses primarily on nature driven paintings, drawings and illustrations.View details
Amy Dixon is an Edmonton-based visual artist focused on creating vibrant and expressive abstract and landscape paintings.View details
An artist in many mediums she takes her inspiration in the natural, diverse lines of the female body. She also does intuitive paintings, cityscapes and commissions.View details
Internationally recognized for her highly detailed, saturated watercolours and dramatic charcoal drawings of historic architecture and remote landscapes.View details
Artist based in Edmonton. Colourful, in your face emotive landscape and music focused figurative work. Live painting and commissions.View details
A visual artist dedicated to creating custom artwork that clients can enjoy for a lifetimeView details
SpaceKacy Designs offers whimsical, colourful watercolour and acrylic artwork by Kacy Doucet.View details
Melissa Baron creates paintings in two styles: oil paintings that are best described as expressive realism, and watercolour paintings en plein air.View details
Ashley McIsaac's bold abstract art is intuitive by nature and inspired by music.View details
Barclay Pottery is a home-based business producing handcrafted pottery mainly for the wholesale market.View details
Benjamin Oswald's sculpture and home design pieces in ceramic and stone explore shapes and the spaces they occupy.View details
A local glass artist specializing in hand blown glass. I design and create a studio production line of functional glassworks as well as sculptures.View details
Byron creates unique, whimsical Artwork that inspires the imagination and tells a story that you will definitely want to hear.View details
Cam Wilson Fine Art offers original watercolour paintings and archival prints.View details
Carys Cuttlefish creates whimsical, magical art dolls and creations.View details
Chelsea Davis uses bold colours and striking textures in her abstract and yoga art.View details
Caitlin Bodewitz's CMB Print Works creates hand done prints incorporating alternative techniques and materials.View details
We create artistic concrete craft kits.View details
Cows & Crowns Market offers unique hand-painted cows with delightful floral crowns.View details
Jenn creates original paintings, jewelry and how-to ebooks.View details
Crystal Driedger is a Sherwood Park-based carver, painter and illustrator.View details
Formerly Woodward Design, Curio built its reputation on personalized service and consistently clever graphic design for clients from the arts, business and public seView details
Curious Fox Fibres creates woven and embroidery art.View details
Daelen Forge is an artisan blacksmith creating a variety of products including home decor items, tools, jewelry and unique gifts.View details
Damon D. Chan creates typographical neighbourhood maps for more than 75 Canadian and American cities.View details
Dean Pickup is a local portrait artist creating works in charcoal, graphite and watercolour inspired by music, nature and humanity.View details
Handcrafted functional and decorative pottery for indoor and outdoor living spaces. Dinnerware, yarn bowls and patio water fountains.View details
Doris Charest is an artist-painter who aims to capture nature in a way that the camera cannot.View details
Earth Sky Art offer original art and prints showcasing the weather and skies of Alberta and beyond.View details
Emily Chu is an Illustrator and Designer. Her work is playful, bold, pattern-inspired, and witty. It takes the form of prints and other paper/textile products.View details
Abstract landscape painter Samantha Williams-Chapelsky showcases every brush-mark, every line of texture and every pattern in her one of a kind western Canadian landscape paintings.View details
Florals and Floss offers hand-stitched embroidery inspired by nature.View details
Ghazal Arto's website offers a glimpse of this artist/scientist's paintings.View details
Giselle Denis is a performance painter, raising money for charities by painting nature in bright bold colours for live audiences.View details
Gloria Ho is a watercolour illustrator making original paintings, prints and cards from her home studio.View details
Hamburger Hands Illustration creates art somewhere between cute and gross; lowbrow and pop-surrealism.View details
The Heather Lagos Designs' fused glass collection includes home decor, plates, bowls and ornaments as well as up-cycled glass designs.View details
Hotel Graphic Design Co. is a graphic design studio focused on branding, logo design and print.View details
Every I LOVE THE MOON illustration is lovingly handcrafted to bring happiness.View details
IlluminArte captures a spectrum of luscious colours as light reflections dance through hand-painted glass ornaments, artworks, jewelry and home decor.View details
Maker of Fine & Strange ArtsView details
Modern and beautiful photography printed on paper, canvas, wood blocks, coasters, coffee mugs, wooden magnets and journals.View details
Snow Alligator, the creation of freelance illustrator Jason Blower, is an online retailer of charming and whimsical products for your home and kids.View details
Jonathan Havelock's photography captures his love for the outdoors.View details


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BOSTON — The Massachusetts Department of Public Health will be spraying for mosquitos across southeastern Massachusetts for a second time this summer.
A mosquito in the state of Massachusetts tested positive for Eastern Equine Encephalitis, known as EEE, according to the DPH.
The samples were collected July 15 in Easton and New Bedford in Bristol County.
No human or animal cases have been detected this year so far. According to DPH, there is no elevated risk level change associated with this finding.
EEE is a rare but serious and potentially fatal disease. It was last confirmed in a turkey and a horse in Worcester County in 2013. It is usually spread to humans through the bite from an infected mosquito.
The first two human cases of EEE in Massachusetts since 2013 were announced on August 10 and August 16, an indication of the current significant risk of EEE in the Commonwealth.
"While aerial spraying is an important tool to help us reduce the public health risk of EEE, it's critically important that everyone in high risk areas continue to take personal precautions against mosquito bites," said Public Health Commissioner Monica Bharel, MD, MPH. "These steps include using EPA-approved bug spray, wearing long sleeves and pants to cover exposed skin, and cancelling outdoor activities which take place during the hours from dusk to dawn when mosquito activity is at its highest."
MDAR conducted an initial round of aerial spraying during the overnight hours of August 8-11 in areas of southeastern Massachusetts, and a second round of spraying was expected to achieve maximal effectiveness.
MDAR will conduct and monitor aerial spraying in specific areas of Bristol and Plymouth counties which is anticipated to begin on Wednesday, August 21, and continue over several evenings. However, the ability to spray is weather dependent and the schedule may change. Residents are encouraged to visit the DPH website for the latest updates on spraying in their communities.
Avoid Mosquito Bites
Apply Insect Repellent when Outdoors. Use a repellent with an EPA-registered ingredient (DEET (N, N-diethyl-m-toluamide), permethrin, picaridin (KBR 3023), oil of lemon eucalyptus [p-methane 3, 8-diol (PMD)] or IR3535) according to the instructions on the product label. DEET products should not be used on infants under two months of age and should be used in concentrations of 30% or less on older children. Oil of lemon eucalyptus should not be used on children under three years of age.
Be Aware of Peak Mosquito Hours. The hours from dusk to dawn are peak biting times for many mosquitoes. Consider rescheduling outdoor activities that occur during evening or early morning in areas of high risk.
Clothing Can Help Reduce Mosquito Bites. Wearing long-sleeves, long pants and socks when outdoors will help keep mosquitoes away from your skin.
Mosquito-Proof Your Home
Drain Standing Water. Mosquitoes lay their eggs in standing water. Limit the number of places around your home for mosquitoes to breed by either draining or discarding items that hold water. Check rain gutters and drains. Empty any unused flowerpots and wading pools, and change the water in birdbaths frequently.
Install or Repair Screens. Keep mosquitoes outside by having tightly-fitting screens on all of your windows and doors.
Protect Your Animals
Animal owners should reduce potential mosquito breeding sites on their property by eliminating standing water from containers such as buckets, tires, and wading pools – especially after heavy rains. Water troughs provide excellent mosquito breeding habitats and should be flushed out at least once a week during the summer months to reduce mosquitoes near paddock areas. Horse owners should keep horses in indoor stalls at night to reduce their risk of exposure to mosquitoes. Owners should also speak with their veterinarian about mosquito repellents approved for use in animals and vaccinations to prevent WNV and EEE. If an animal is suspected of having WNV or EEE, owners are required to report to the Department of Agricultural Resources (DAR), Division of Animal Health by calling 617-626-1795 and to the Department of Public Health (DPH) by calling 617-983-6800.
© 2020 Cox Media Group


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Item #3501
Rating: 5 Stars
Category: Make Up
Title: Cocoa Pigmented Bronzer
URL: https://www.100percentpure.com/collections/face-makeup/products/cocoa-pigmented-bronzer
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For All Skin Types<br /> Natural bronzer will give you a warm, beautiful, sun kissed glow instantly from pigments of cocoa, coffee, tomato and berries. Luminescent, light reflective pigments will give you a subtle shimmer. Concentrated with anti aging vitamins, antioxidants and skin nourishing ingredients. Use all over your face and body whenever you desire a sun kissed look.


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Getting Down To Basics with Services
Merits Of A Portable Audiometer
There is nothing that is permanent in this world, that is what is typically assumed. Every day there is a new innovation, which changes things. Technology has taken over in everything. Medical services have not been left behind. New devices have been produced to match the current digital trend. With the help of the devices, the health officers are now able to provide quality service. Availability of potable audiometer has been of great importance. Patients could only have their ears tested in one place. Currently there is a growing number of individuals who are experiencing hearing challenges. This has been brought about by a chance of lifestyle. There is a high number of people who are exposing their ears to loud music. There is also those who are working in companies where employees where they are exposed to high sounds.
There is a high number of individuals who have been able to access the service when they adopted a portable audiometer. There are some people who could be unable to get to the hospital due to one thing or the other. Such patient who is not ready to go to a hospital, can be examined from their homes, with the help of a portable audiometer. There is a need for hospitals to have this kind of a machine, for it to be able to operate well because it is the modern technology. There is a need for every individual to access medical services, despite where they are. The current machine has also enabled easier record keeping. A portable device will be able to communicate with the other system where the doctors will be able to access the information in time. Majority of the hospitals today are using computers in their hospital operations. There is a need for them also to have the portable audiometer which is more accurate and useful. A portable appliance is of great essence because it will be able to be accessible to a higher number of people. Good medical services can be availed to people when there is a good record.
The report from the portable audiometer can be transferred directly to a specialist for analysis. This will save time and ensure the right treatment is offered at the right time. It is possible to connect with the internet when using the portable device. This will enable the doctors to share the data with their colleagues for consultation purpose. This device is also cheaper compared to the other audiometer. The previous machine was bulky and less effective. It involved a big number of costs. It is preferable for hospitals to adopt portable audiometer.


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[TOP 100] English Songs (2019)
As a bonus last year, I decided to release a list of some of my favourite songs in English. This year, I have done the same, but this time, I have shared my top 100 favourite songs!
[Favourites] April 2019 Releases
These are my favourite releases from April 2019.
50 Day KPOP Song Challenge: Day 8
Day 8: Your favourite BLACKPINK song
My Top 50 Korean Groups
I decided to rank my top fifty favourite Korean groups, and this video was the result! This list includes subunits and disbanded groups. I made this video earlier this year, so I am sure that my ranking has changed a bit. Please check out the video above and let me know which groups are your… Continue Reading
My Top 25 Female Korean Artists
I made this video earlier this year of my favourite female Korean artists, but I am now posting it to this blog. I am pretty sure my ranking has changed since then but check out the poorly edited video above! I will probably make an updated one next year.
[TOP 50] My Favourite Korean Songs (2018)
I am very late with this post, but I have finally created my "TOP 50 Korean Songs" list for this year! Many new songs made it on the list this year. There are also a lot of old favourites that re-entered in my rankings. Check out the video and accompanying table below! Let me know… Continue Reading


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PDMS (Plant Design Management System) as it is known in the 3D CAD industry, is a customizable, multi-user and multi-discipline, engineer controlled design software package for engineering, design and construction projects in, but not limited to, offshore and onshore.
A fully interactive, colour shaded 3D plant design environment Hundreds of designers can work concurrently on a project, in a fully controlled manner, with visibility of the entire design at all times.
Designers progressively create a highly intelligent 3D design by selecting and positioning parametric components from an extensive catalogue.
Eligibility : Diploma/B.Tech in Mechanical/Civil Engineering Placement Opportunity : YES
The total duration of this training program is six Weeks include live projects.
classes will conduct 4-5days in a week and 3hour class per day. 1 hour of theory
class and 2 hour pratical session.
© 2013 CMC-Chandigarh Site All Rights Reserved


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Urban Hotel Grantham, Swingbridge Road, Grantham, Lincolnshire, NG31 7XT
Christmas Day Lunch at Urban Hotel Grantham
Available in our fabulous Restaurant, the afternoon begins in the Urban Lounge at Noon. Guests will then be invited to enjoy a delicious four-course dinner. Our vocalist will entertain you for that magical Christmas Day ambience and the children will receive a present from Santa.
Wednesday 25th December
Price £49.95pp / Under 5 – FREE / Age 5-14 - £26
Please contact us for more information on our Christmas Day Lunch.
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Vtg Men's Field & Gordon & Ferguson Brown Insulated Winter Coat sz 46 L Stream nojsta3806-Coats & Jackets
Days - Hours - Minutes - Seconds
60% of children in the UK have never seen a Peacock butterfly*.
78% of parents are concerned that children don't spend enough time interacting with nature and wildlife*.*YouGov online survey 16th - 20th October 2015 commissioned by Kenneth Cole Reaction Men's Grey Pinstripe Regular Fit Blazer 42R.
The Gatekeeper has experienced a
44% decline in abundance over the last decade**.
The Wall, once a common farmland butterfly across southern Britain, has suffered a 36% fall in occurrence and 25% drop in abundance since 2005**.**Fox, R., et al. (2015). The State of the UK's Butterflies 2015. Butterfly Conservation and the T-SHIRT PYREX MEN PY33826 Bianco-S, Wareham, Dorset.
Butterflies are the equivalent of the 'canary in a coal mine'. They provide us with a measure of the health of our natural environment. Their presence or absence is closely linked to the activities of people and the impact humans have on the natural world.
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The destruction and deterioration of habitats as a result of land-use change (e.g. intensification of agriculture, use of pesticides and herbicides, loss of countryside due to relentless building of new houses and industrial estates, changes in woodland management, land drainage and river dredging) are considered to be the prime cause of long-term decline of butterflies and other wildlife right across the UK.
Wildlife ID Charts
A range of laminated wildlife ID charts are available from our online shop.
Prices start from just £4.00 plus p&p


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TruGreen is committed to providing personalized attention for our associates. We focus on developing our people by building proud, dynamic teams while helping associates reach their personal and professional goals. We continuously strive to make TruGreen an employer of choice and "a great place to work!"
Position Overview
Provides leadership, guidance and support to division and regional management to ensure consistent development, implementation and execution of integrated environmental health and safety (EH&S) strategies and cost-effective solutions. Conducts field audits, recommends preventative and corrective action.
1. Provides leadership, guidance and support to division and regional management regarding employee safety programs, regulatory compliance and employee health issues within assigned geographic division.
2. Ensures consistent development, implementation and execution of integrated strategies and cost-effective solutions in the areas of employee health and safety, transportation safety, ergonomics and environmental health for both facilities and vehicular operations.
3. Supports the division and regional management in activities related to the development of safety processes, risk assessments, start-up operations, etc.
4. Travels within division to conduct environmental health and safety field audits to assess, identify and focus on high-risk locations.
5. Analyzes trends and make recommendations to improve results of key performance indicators.
6. Provides effective guidance and technical support for business operations and branch safety committees.
7. Implements corporate EH&S strategies and ensures alignment of division and regional objectives.
8. Guides and directs operations management to address productivity and financial loss drivers of worker's compensation, auto liability, and general liability claims.
9. Supports and assists the Safety Department with managing regulatory agencies regarding inspections, compliance issues, occurrences and employee safety complaints.
Education and Experience Requirements
• Bachelor's degree in occupational safety, risk management or a related field required
• 5+ years of safety experience required to include 1-3 years of direct field experience with managing employee health, and safety
• Associate Safety Professional (ASP) and/or Certified Safety Professional (CSP), preferred
• Valid, permanent driver's license from state of residence and a clean driving record per company standards are required. Current liability auto insurance required.
Knowledge, Skills, and Abilities
• Knowledge of federal and state environmental health and safety regulations
• Knowledge of concepts, principles, practices, and strategies related to employee health and safety, transportation safety, industrial hygiene, hazardous materials, ergonomics and environmental health
• Knowledge of loss prevention practices and techniques related to worker's compensation, auto liability, and general liability claims
• Business and financial acumen
• Organizational, project and process management skills
• Change management and conflict resolution skills
• Attention to detail and analytical skills
• Skill and ability to operate within a matrix organization and influence cross-functional teams
• Ability to operate independently and collaboratively within a team
• Ability to operate a motor vehicle and travel frequently, including overnight
• Computer skills with Microsoft Office applications (Word, Excel, Outlook, PowerPoint)
Physical Demands & Working Conditions
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Regularly required to:
• Sit or stand
• Walk on uneven surfaces or climb stairs
• Use hands and arms to handle, feel or reach
• Speak and hear
• Use vision abilities for close, distance, color, peripheral, depth and focus
Occasionally required to:
• Lift or move up to 50 lbs. with assistance
• Stoop, kneel, crouch or crawl
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
Noise level
•Moderate to loud
Adverse Conditions
• Subject to outdoor weather conditions which may include extreme cold, extreme heat or wet conditions.
• Regularly exposed to chemicals using appropriate safety equipment.
• Occasionally works near mechanical or moving parts.
• Regular and punctual attendance to ensure customer service, teamwork and maintain quality standards
TruGreen is committed to Diversity and Inclusion. We encourage diverse candidates to apply to this position.
We are an Equal Opportunity/Affirmative Action Employer - Minorities/Females/Protected Veterans/Individuals with Disabilities.
To learn more copy and paste this URL into your browser: www.eeoc.gov/employers/upload/poster_screen_reader_optimized.pdf
TruGreen performs pre-employment testing.
The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.
By providing my cell phone number, I agree that TruGreen may call or text/SMS message me on that number using an automated telephone dialing system or prerecorded or artificial voice to discuss possible employment opportunities, my account, including current and possible future services, customer service and billing. I understand that providing my cell phone number is not required to inquire about or apply for employment or purchase services, and that I may revoke this permission at any time.


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We may earn money or products from the companies mentioned in this post.
Raise your hand if you don't know what's for dinner. That used to be me too. Then I got my act together. Meal Planning and Prep getting you down ? I have your back we can do this meal planning thing. I've received a few emails about variety and how hard it is. This week I have not one but 2 meals you can make in 30 minutes and two meals you make in the crockpot. We also have a delicious salad that requires nothing but chopping vegetables and making salad dressing. Have you ever made your own salad dressing ? I promise you once you make your own you will NEVER BUY bottled salad dressing again. It's stupid easy and so so so YUMMY! But I am rambling here the purpose of this post is to show you guys you can do this. So, lucky readers I'm doing a menu, grocery list and prep list for you this week.
The Good Idea Fairies I use for Recipes
I love finding people that already have stuff figured out and using it for my own betterment. Remember, my site tag line says "Freakin' Out So You Don't Have To". The sites you will find I am constantly pulling my meal plan recipes from are;
- Budget Bytes Why do I love this site ? She posts easy delicious affordable recipes that even the most novice home cook can do. All recipes have a cost breakdown included which is a huge bonus. All the recipes make cooking on a budget an experience you will wan to repeat. There is a Budget Bytes App and a Budget Bytes Cookbook. I encourage you to check both out.
- Skinny Taste Is a wonderful website with yet even more delicious, healthy and easily prepared recipes. I own several of the cookbooks and am a total fangirl. Her latest is linked here One and Done is a staple in my house. It includes some truly delicious recipes that use the must have kitchen gadget of the year the air fryer. If you haven't hopped on the bandwagon yet and bought one I recommend this one highly.
- The Kitchn Do you find yourself seeking answers to kitchen questions? Like how do I roast a whole chicken or hard boil eggs. Or, do you just a need a recipe for the office potluck. Bookmark The Kitchn NOW. You will thank me later. I promise.
- 100 Days Of Real Food When I discovered Food Bloggers and all they where about this was a constant go to. Do you want to cook with real food think it can't be done on a budget. Go here learn everything suck up the wisdom and then buy the cookbook.
The Menu
- Thursday Skinny Taste Chicken Adobo in the Crockpot with brown rice and cucumber slices
- Friday 100 Days of Real Food Homemade Whole-Wheat Pizza and a green salad citrus vinaigrette
- Saturday Budget Bytes Ginger Salmon and Roasted Brussel Sprouts
- Sunday Chicken and Apple Sausages (They where on sale use Kielbasa or whatever works for you family )on the grill with bell peppers and onions.
- Monday Budget Bytes Giant Slow Cooker Meat Balls with Spaghetti and a Salad
- Tuesday Well Plated 10 Minute Black Bean Tostadas
- Wednesday Skinny Taste Italian Chopped Salad
The Grocery List Okay I've made a PDF with the grocery list organized by section of the store. Click here to download the list and print it out. I included everything down to the pantry staples this week. Take a pen and the list and get going to the grocery store no takeout this week! Money saving tip if it's not on your grocery list do not buy it . Are you overwhelmed with grocery shopping because it's the summer ? Try Instacart grocery delivery, Shipt or WalMart Grocery Pickup . Want to know about Instacart use my referal code for $10 dollars of your first order. You can find the code and a review of Instacart here.
The Prep List
Need a printable version of the prep list ? Download it here
Wednesday – Go forth and grocery shop people
Wednesday Night
- Make sure chicken drumsticks are left in refrigerator to thaw
- Wash and slice cucumber place in container leave in fridge for Thursday night
Thursday Morning
- Take out the slowcooker(I loooovvveee this one)
- Make sauce to go over chicken drumsticks
- Place chicken drumsticks in slow cooker
- Pour sauce over chicken drumsticks
- Place covered stoneware portion of slowcooker in refrigerator
- Set Alarm on phone to remind you to take out the chicken and start cooking
- Set another alarm to remind you 30 minutes before Chicken is done start brown rice
Thursday Night or Friday Morning
- Make the citrus vinaigrette to go with the green salad
- Make the whole wheat pizza dough (place in fridge it will rise before dinner)
- Dice /Chop/Cook and Toppings necessary for pizza
- Get out your pizza stone (this is the one I've used and abused you know you want a crispy crust 😋)
Saturday Morning or Friday Night
- Make sure to take out the Salmon thaw it if frozen
- Wash and Chop brussel sprouts
Saturday Night or Sunday Morning
- Clean and chop peppers and onions
- Thaw chicken sausage
Sunday Night or Monday Morning
- Make the meat balls and place them in a covered container. Place container in the refrigerator
- Chop vegetables for the salad ( I didn't do a recipe I figured you guys know what you want in a side salad)
- Make more salad dressing or use what was leftover from Friday nights dinner
Monday Night or Tuesday Morning
- Prepare the black bean mixture for the tostadas. (It reheats well)
- Chop any toppings that will keep in the fridge until dinner
- If using Salsa my family loves this premade stuff when times a factor
- This tortilla warmer is great for keeping the tostadas warm as you cook them before topping them
Tuesday Night or Wednesday Morning
- Make the salad dressing
- Chop any vegetables that will keep
Whew…Done And Boy Am I Tired 😉
Just a few last thoughts about this week and things you might need. I use these containers in the refrigerator for leftovers and prep. No they aren't made of glass because I am a realist when it comes to breakables in the home. They stack up beautifully in the cabinets and the kids can take them to school for lunches and snacks. I am also not going to cry if they do not always come home again. (The containers not the kids lol) . Grocery shopping is a breeze if I have to go to more than one store because I use these cooler bags.
Thanks for reading and don't forget to share this post on Pinterest and Facebook especially if you found it helpful.


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What is the procedure to have a duplicate policy issued in case the original has been misplaced?
What do we mean by Assignment of an Insurance policy?
What is the procedure to change the Address/Contact information?
What is the procedure to make alterations in policy?
What is procedure to revive a policy?
What is procedure to get loan on policy?
About Double Accident Benefit Claims.
About Disability Benefit Claims.
What is the procedure to change premium payment method?
What is the procedure to have a duplicate policy issued in case the original has been misplaced?
A duplicate policy confers on its owner the same rights and privileges as the original policy. The following are the requirements for issuing a duplicate policy:
1. Insertion of an advertisement at the policyholder's cost in one English daily newspaper having wide circulation in the State where the loss is reported to have occurred. A copy of the Newspaper in which the advertisement appeared should be sent to the servicing office one month after its appearance. If no objection has been lodged with LIC regarding the policy in question, a duplicate policy will be issued after complying further requirements, i.e., Indemnity Bond and payment of charges for preparing duplicate policy and stamp fee.
2. However, the requirement of advertisement and Indemnity Bond may be dispensed with or modified in certain circumstances as given below :
- loss of policy by theft
- destruction of policy by fire
- loss of policy while in custody of an office of government
- mutilated or damaged policy
- policy in torn and a part of it is missing
What do we mean by Assignment of an Insurance policy?
Assignment of a life insurance policy means the act of transferring the rights of property in the policy from one person to another. The person who transfers his right is called the "assignor" and the person to whom the right is transferred is called the "assignee".
There are two types of assignments:
- Conditional Assignment whereby on the happening of a specified event which does not depend on the will of the assignor, the assignment will be suspended or revoked wholly or in part.
- Absolute Assignment whereby all the rights, title and interest which the assignor has in the policy passes on to the assignee without reversion to the assignor or his estate in any event.
Assignment to immediate family member:
- Assignment request form duly signed by the policyholder
- Original policy document
- If duplicate policy bond has been previously issued, then same should be collected
Assignment to third party relationship other than bank/financial institution
- Assignment request form duly signed by the policyholder
- Original policy document
- Identity proof of the assignee
- Address proof of the assignee
- Proof of insurable interest (relationship to be established)
- If duplicate policy bond has been previously issued, then same should be collected
Assignment to bank/financial institution
- Assignment request form duly signed by the policyholder
- Original policy document
- Proof of insurable interest
- If duplicate policy bond has been previously issued, then same should be collected.
What is the procedure to change the Address/Contact information?
The policy holder can send a request for change in Address /Contact details through a duly completed and signed policy service request form.. If there is a change in contact details, the STD code along with the contact number should be mentioned in the policy request form.
What is the procedure to make alterations in policy?
After the policy is issued, the policyholder in a number of cases finds the terms not suitable to him and desires to change them. LIC allows certain types of alterations during the lifetime of the policy. However, no alteration is permitted within one year of the commencement of the policy with some exceptions. The following alterations are allowed.
- Alteration in class or term.
- Reduction in the Sum Assured
- Alteration in the mode of payment of premiums
- Removal of an extra premium
- Alteration from without profit plan to with profit plan
- Alternation in name
- Correction in policies
- Settlement option of payment of sum assured by installments
- Grant of accident benefit
- Grant of premium waiver benefit under CDA policies
- Alteration in currency and place of payment of policy monies
A fee for the change or alteration in the policy is charged by the Corporation called quotation fee and no additional fee is charged for giving effect to the alteration.
What is procedure to revive a policy?
If the premium under a policy is not paid within the days of grace the policy lapses. Revival is a fresh contract wherein the insurer can impose fresh terms and conditions. A policy can be revived under the following types of revival:
1. Ordinary Revival
If a revival of the policy is effected within 6 months from the due of first unpaid premium no personal statement regarding health is required and the policy is revived on collection of delayed premium plus interest. The rate of interest to be charged for such delayed premium will depend on the date of commencement of the policy.
2. Revival on non-medical basis
For revival of the policy on non-medical basis the amount to be revived should not exceed the prescribed limit for non-medical assurance taken by the life assured.
3. Revival on medical basis
If a policy cannot be revived under ordinary revival or revival on non-medical basis it can be revived with medical requirements. The medical requirements will depend upon the amount to be revived.
4. The other schemes for revival are
What is procedure to get loan on policy?
The Corporation can grant a loan to the policyholder against his policy as per the terms and conditions applicable to the policy. The requirements for granting a loan are as under :
a) Application for loan with an endorsement of terms and conditions of the loan being placed on the policy.
b) Policy to be assigned absolutely in favour of the Corporation
c) A receipt for the loan amount
The maximum loan amount available under the policy is 90% of the Surrender Value of the policy (85% in case of paid up policies) including cash value of bonus.
The rate of interest charged on loans is at 9% to be paid half-yearly.
The minimum period for which a loan can be granted is six months from the date of its payment. If repayment of loan is desired within this period the interest for the minimum period of six months will have to be paid.
In case the policy becomes a claim either by maturity or death within six months from the date of loan interest will be charged only upto the date of maturity/death.
Claims settlement procedure:
The settlement of claims is a very important aspect of service to the policyholders. Hence, the Corporation has laid great emphasis on expeditious settlement of Maturity as well as Death Claims.
The procedure for settlement of maturity and death claims is detailed below :
1) In case of Endowment type of Policies, amount is payable at the end of the policy period. The Branch Office which services the policy sends out a letter informing the date on which the policy monies are payable to the policyholder at least two months before the due date of payment. The policyholder is requested to return the Discharge Form duly completed along with the Policy Document. On receipt of these two documents post dated cheque is sent by post so as to reach the policyholder before the due date.
2) Some Plans like Money Back Policies provide for periodical payments to the policyholders provided premium due under the policies are paid up to the anniversary due for Survival Benefit. In these cases where amount payable is less than up to Rs.60,000/-, cheques are released without calling for the Discharge Receipt or Policy Document. However, in case of higher amounts these two requirements are insisted upon.
How to file Death Claims?
The death claim amount is payable in case of policies where premiums are paid up-to-date or where the death occurs within the days of grace. On receipt of intimation of death of the Life Assured the Branch Office calls for the following requirements:
a) Claim form A – Claimant's Statement giving details of the deceased and the claimant.
b) Certified extract from Death Register
c) Documentary proof of age, if age is not admitted
d) Evidence of title to the deceased's estate if the policy is not nominated, assigned or
issued under M.W.P. Act.
e) Original Policy Document
The following additional forms are called for if death occurs within three years from the date of risk or from date of revival/reinstatement.
a) Claim Form B – Medical Attendant's Certificate to be completed by the Medical Attendant of the deceased during his/her last illness
b) Claim Form B1 – if the life assured received treatment in a hospital
c) Claim form B2 – to be completed by the Medical Attendant who treated the deceased life assured prior to his last illness.
d) Claim Form C – Certificate of Identity and burial or cremation to be completed and signed by a person of known character and responsibility
e) Claim form E – Certificate by Employer if the assured was employed person.
f) Certified copies of the First Information Report, the Post-mortem report and Police Investigation Report if death was due to accident or unnatural cause.
These additional forms are required to satisfy ourselves on the genuineness of the claim, i.e., no material information that would have affected our acceptance of proposal has been withheld by the deceased at the time of proposal. Further, these forms also help us at the time of investigation by the officials of the Corporation.
About Double Accident Benefit Claims.
Double Accident Benefit is provided as an inject to the life insurance cover. For this purpose an extra premium of Rs.1/- per Rs.1000/- S.A is charged. For claiming the benefits under the Accident Benefit the claimant has to produce the proof to the satisfaction of the Corporation that the accident is defined as per the policy conditions. Normally for claiming this benefit documents like FIR, Post-mortem Report are insisted upon.
About Disability Benefit Claims.
Disability benefit claims consist of waiver of future premiums under the policy and extended disability benefit consisting in addition of a monthly benefit payment as per policy conditions. The essential condition for claiming this benefit is that the disability is total and permanent so as to preclude him from earning any wage/compensation or profit as a result of the accident
Claims Review Committees.
The Corporation settles a large number of Death Claims every year. Only in case of fraudulent suppression of material information is the liability repudiated. This is to ensure that claims are not paid to fraudulent persons at the cost of honest policyholders. The number of Death Claims repudiated is, however, very small. Even in these cases, an opportunity is given to the claimant to make a representation for consideration by the Review Committees of the Zonal office and the Central Office. As a result of such review, depending on the merits of each case, appropriate decisions are taken. The Claims Review Committees of the Central and Zonal Offices have among their Members, a retired High Court/District Court Judge. This has helped providing transparency and confidence in our operations and has resulted in greater satisfaction among claimants, policyholders and public.
What is the procedure to change premium payment method?
The policy holder can send a request for change of premium payment method, through a policy service request form which should be duly completed and signed by the policy holder.
In addition, we would require any one of the following documents in case of auto debit methods (ECS/ Direct Debit or Standing Instructions to Credit Card)
For ECS/ Direct Debit
Duly filled and signed ECS/ Direct Debit Mandate form and original cancelled cheque.
For Standing Instructions to Credit Card
Duly filled and signed Credit Card Authorisation Form and photocopy of the front side of the credit card.
Points to be remember:
- Method change request should be submitted at least 30 days in advance from the due date, for it to be effected.
- If two successive payments / instructions in case of monthly premium payment mode or any one payment / instruction in case of quarterly / half yearly / yearly premium payment mode is not received / honoured, the Company reserves the right to automatically cancel/withdraw the facility of ECS/ Direct Debit or Standing Instructions to Credit Card.