text:
This insurance plan is currently unavailable on Squaremouth
100% of the trip cost
Provides reimbursement for non-refundable trip payments and deposits if a trip is cancelled for illness, death or other specific unforeseen circumstances.
The Company will reimburse the Insured a benefit, up to the Maximum Limit shown in the Schedule or Declarations Page if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to any of the following Unforeseen events:
(a) Sickness, Injury or death of an Insured, Family Member, Traveling Companion, Business Partner or Host at Destination;
(1) Sickness or Injury of an Insured, Traveling Companion or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be canceled or interrupted or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip;
(2) Sickness or Injury of a Family Member not traveling with the Insured must be because their condition is life-threatening as certified by a Physician, or they require the Insured's immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician;
(3) Sickness or Injury of the Business Partner must be so disabling as to reasonably cause the Insured to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician;
(4) Sickness, Injury, death or hospitalization of the Insured's Host at Destination. A Physician must certify the Sickness or Injury.
(b) Financial Default of an airline, Cruise line or tour operator provided the Financial Default occurs more than 14 days following an Insured's effective date for the Trip Cancellation or Trip Interruption Benefits. There is no coverage for the Financial Default of any person, organization, agency, or firm from whom the Insured purchased travel arrangements supplied by others. This coverage applies only if insurance was purchased within 15 days of Initial Trip Payment;
c) Inclement Weather causing delay or cancellation of travel;
(d) Strike causing complete cessation of travel services at the point of departure or Destination;
(e) the Insured's Primary Residence being made Uninhabitable or Inaccessible by Natural Disaster, vandalism or burglary;
(f) the Insured's Destination being made Uninhabitable or Inaccessible by flood, tornado, earthquake, volcanic eruption, fire, wildfire or blizzard that is due to natural causes;
(g) the Insured or Traveling Companion is hijacked, quarantined, subpoenaed or required to serve on a jury;
(h) the Insured or Traveling Companion is called to active military service or military leave is revoked or reassigned;
(i) a Terrorist Incident in a City listed on the Insured's itinerary within 30 days of the Insured's scheduled arrival;
(j) the Insured or Traveling Companion is involuntarily terminated or laid off through no fault of his or her own provided that he or she has been an active employee for the same employer for at least 1 year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, seasonal employment, independent contractors or self-employed persons
(k) a named hurricane causing cancellation or interruption of travel to the Insured's Destination that is Inaccessible or Uninhabitable. Claims are not payable if a hurricane is foreseeable prior to the Insured's effective date. A hurricane is foreseeable on the date it becomes a named storm. The Company will only pay the benefits for Losses occurring within 30 days after the named hurricane makes the Insured's Destination Uninhabitable or Inaccessible;
(l) mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip and causes complete cessation of the Insured's travel and results in a Loss of 50% of the Insured's Trip length;
(m) the Insured or Traveling Companion is required to work during his/her scheduled Trip. He/she must provide proof of requirement to work, such as a notarized statement signed by an officer of his/her employer. In the situation of self-employment, proof of self-employment and a notarized statement confirming that the Insured is unable to travel due to his or her job obligations will be required;
(n) the Insured or Traveling Companion is directly involved in a merger, acquisition, government required product recall or bankruptcy proceedings and must be currently employed by the company that is involved in said event; or
(o) the Insured's or Traveling Companion's company is deemed to be unsuitable for business due to burglary or Natural Disaster and the Insured or Traveling Companion is directly involved as a Key Employee of the disaster recovery team.
The Insured must notify Travel Guard as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. If the Insured is unable to provide cancellation notice within the required timeframe, the Insured must provide proof of the circumstance that prevented timely notification.
Trip Cancellation Benefits: The Company will reimburse the Insured for Forfeited, prepaid Trip Cost up to the Maximum Limit shown in the Schedule or Declarations Page for Trips that are canceled prior to the scheduled Departure due to any of the Unforeseen events shown above.
The Company will reimburse the Insured, up to the Trip Cancellation and Trip Interruption Maximum Limits shown in the Schedule or Declarations Page, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, nonrefundable travel arrangements if a person booked to share accommodations with the Insured has his/her Trip canceled or interrupted due to any of the Unforeseen events shown in the Trip Cancellation and Trip Interruption section and the Insured does not cancel.
"Actual Cash Value" means purchase price less depreciation.
"Baggage" means luggage, travel documents, and personal possessions; whether owned, borrowed or rented, taken by the Insured on the Trip.
"Business Partner" means a person who: (1) is involved with the Insured or the Insured's Traveling Companion in a legal partnership; and (2) is actively involved in the daily management of the business.
"Caregiver" means an individual employed for the purpose of providing assistance with activities of daily living to the Insured or to the Insured's Family Member who has a physical or mental impairment. The Caregiver must be employed by the Insured or the Insured's Family Member. A Caregiver is not a babysitter; childcare service, facility or provider; or persons employed by any service, provider or facility to supply assisted living.
Children" "Child" means with respect to Emergency Evacuation and as shown on the enrollment form unmarried children or grandchildren of the Insured, including natural children from the moment of birth, children from a civil union and step, foster or adopted children from the moment of placement in the Insured's home, under age 25 and primarily dependent on the Insured for support and maintenance. However, the age limit does not apply to a child who: (1) otherwise meets the definition of children; and (2) is incapable of self-sustaining employment by reason of mental or physical incapacity. As otherwise used in this plan it means the Insured's natural, step, foster, adopted children or grandchildren of any age.
"City" means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace.
"Common Carrier" means an air, land or sea conveyance operated under a license for the transportation of passengers for hire and for which the Insured's ticket was purchased through the Travel Supplier.
"Company" means National Union Fire Insurance Company of Pittsburgh, Pa.
"Complications of Pregnancy" means conditions whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include acute nephritis, nephrosis, cardiac decompensation, missed abortion and similar medical and surgical conditions of comparable severity. Complications of pregnancy also include nonelective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.
Complications of pregnancy do not include false labor, occasional spotting, Physician-prescribed rest during the period of pregnancy, morning sickness, hyperemesis gravidarum, preeclampsia and similar conditions associated with the management of a difficult pregnancy not constituting a nosologically distinct complication of pregnancy.
"Cruise" means a vacation on a cruise ship.
"Declarations Page" means the document showing the Insured's travel arrangements and insurance benefits.
"Deductible" means the amount of charges that must be incurred by an Insured before benefits become payable. The amount of the deductible is shown in the Schedule or Declarations Page for each benefit to which a deductible applies.
"Departure Date" means the date on which the Insured is originally scheduled to leave on his/her Trip. This date is specified in the travel documents.
"Destination" means any place where the Insured expects to travel to on his/her Trip as shown on the travel documents.
"Domestic Partner" means an opposite or a same-sex partner who is at least 18 years of age and has met all of the following requirements for at least 6 months:
(a) resides with the Insured or Family Member; and
(b) shares financial assets and obligations with the Insured or Family Member.
The Company may require proof of the domestic partner relationship in the form of a signed and completed Affidavit of Domestic Partnership.
"Eligible Person" means a person who is a member of an eligible class of persons as described in the Description of Eligible Persons section of the Master Application.
"Exotic Vehicle" means antique cars that are over 20 years old or have not been manufactured for 10 or more years or any vehicle with an original manufacturer's suggested retail price greater than $50,000.
"Experimental or Investigative" means treatments, devices or prescription medications which are recommended by a Physician, but are not considered by the medical community as a whole to be safe and effective for the condition for which the treatments, devices or prescription medications are being used. This includes any treatments, procedures, facilities, equipments, drugs, drug usage, devices or supplies not recognized as accepted medical practice, and any of those items requiring federal or other governmental agency approval not received at the time services are rendered.
"Family Member" means the Insured's or Traveling Companion's spouse, civil union partner, Domestic Partner, Child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparent, step-grandparent, grandchild, step- grandchild, step-child, step-brother, step-sister, step-parent, parent-in-law, brother-in-law, sister-in-law, aunt, step-aunt, uncle, step-uncle, niece, nephew, legal guardian, Caregiver, foster Child, ward, or legal ward; spouse, civil union partner or Domestic Partner of any of the above. Family Member also includes these relations to the Insured's or Traveling Companion's spouse, civil union partner or Domestic Partner.
"Financial Default" means the total cessation or partial suspension of operations due to insolvency, with or without the filing of a bankruptcy petition by a tour operator, cruise line or airline.
"Forfeited" means the Insured's financial Loss of any whole or prorated prepaid, nonrefundable components of a Trip.
"Hospital" means a facility that:
a) is operated according to law for the care and treatment o fsick or Injured people;
b) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis;
c) has 24 hour nursing service by registered nurses (R.N.'s); and
d) is supervised by one or more Physicians available at all times.
A hospital does not include:
a) a nursing, convalescent or geriatric unit of a hospital when a patient is confined mainly to receive nursing care;
b) a facility that is, other than incidentally, a clinic, a rest home, nursing home, convalescent home, home health care, or home for the aged; nor does it include any ward, room, wing, or other section of the hospital that is used for such purposes; or
c) any military or veterans hospital or soldiers home or any hospital contracted for or operated by any national government or government agency for the treatment of members or ex-members of the armed forces for which no charge is normally made.
"Host At Destination" means the person with whom the Insured is sharing prearranged overnight accommodations in the host's home.
"Hotel" means any establishment used for the purpose of temporary, overnight lodging for which a fee is paid and reservations are required.
"Inaccessible" means an Insured cannot reach his/her Destination by the original mode of transportation.
"Inclement Weather" means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier or prevents the Insured from reaching his/her Destination when traveling by a rented or owned vehicle.
"Initial Trip Payment" means the first payment made to the Insured's Travel Supplier toward the cost of the Insured's Trip.
"Injury/Injured" means a bodily injury caused by an accident occurring while the Insured's coverage under the Policy is in force and resulting directly and independently of all other causes of Loss covered by the Policy. The injury must be verified by a Physician.
"Insured" means an Eligible Person:
a) for whom any required enrollment form has been completed;
b) for whom any required plan cost has been paid;
c) for whom a Trip is scheduled; and
d) who is covered under the Policy.
"Key Employee" means an employee of an employer who is responsible for policy and decision making.
"Loss" means Injury or damage sustained by the Insured as a consequence of one or more of the events against which the Company has undertaken to compensate the Insured.
"Medically Necessary" means that a treatment, service, or supply:
a) is essential for diagnosis, treatment, or care of the Injury or Sickness for which it is prescribed or performed;
b) meets generally accepted standards of medical practice;
c) is ordered by a Physician and performed under his or her care, supervision, or order; and
d) is not primarily for the convenience of the Insured Physician, other providers or any other person.
"Mental, Nervous or Psychological Disorder" means a mental or nervous health condition including, but not limited to: anxiety, depression, neurosis, phobia, psychosis or any related physical manifestation.
"Natural Disaster" means a flood, hurricane, tornado, earthquake, volcanic eruption, fire, wildfire or blizzard that is due to natural causes.
"Necessary Personal Effects" means items, such as clothing and toiletry items, which are included in the Insured's Baggage and are required for the Insured's Trip.
"Normal Pregnancy or Childbirth" means a pregnancy or childbirth that is free of complications or problems.
"Physician" means a licensed practitioner of medical, surgical, dental, services or the healing arts including accredited Christian Science Practitioner, acting within the scope of his/her license. The treating physician cannot be the Insured, a Traveling Companion, a Family Member, a Business Partner or retained by the Policyholder.
"Physician" means a licensed practitioner of medical, surgical, dental, services or the healing arts including accredited Christian Science Practitioner, acting within the scope of his/her license. The treating physician cannot be the Insured, a Traveling Companion, a Family Member, a Business Partner or retained by the Policyholder.
"Primary" means the Company will pay first but reserves the right to recover from any other insurance carrier with which the Insured may be enrolled.
"Primary Residence" means an Insured's fixed, permanent and main home for legal and tax purposes.
"Reasonable Additional Expenses" means expenses for meals, taxi fares, essential telephone calls and lodging which are necessarily incurred as the result of a Trip Delay and which are not provided by the Common Carrier or any other party free of charge.
"Reasonable and Customary Charges" means expenses which:
a) are charged for treatment, supplies, or medical services Medically Necessary to treat the Insured's condition;
b) do not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expenses are incurred; and
c) do not include charges that would not have been made if no insurance existed. In no event will the Reasonable and Customary Charges exceed the actual amount charged.
"Rental Return Date" means the return date listed on the car rental agreement.
"Return Date" means the date on which the Insured is scheduled to return to the point where the Trip started or to a different specified Return Destination. This date is specified in the travel documents.
"Return Destination" means the place to which the Insured expects to return from his/her Trip as shown in the enrollment form.
"Schedule" means the Schedule of Benefits which is shown at the beginning of the Certificate.
"Sickness" means an illness or disease diagnosed or treated by a Physician.
"Strike" means a stoppage of work which:
(a) is announced, organized, and sanctioned by a labor union;
(b) interferes with the normal departure and arrival of a Common Carrier.
This includes work slowdowns and sickouts. The Insured's Trip Cancellation coverage must be effective prior to when the strike is foreseeable. A strike is foreseeable on the date labor union members vote to approve a strike.
"Terrorist Incident" means an act of violence by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government, that is deemed terrorism by the United States Government other than civil disorder or riot, that is not an act of war, declared or undeclared, that results in Loss of life or major damage to property.
"Transportation" means any land, sea or air conveyance required to transport the Insured during an Emergency Evacuation. Transportation includes, but is not limited to, air ambulances, land ambulances and private motor vehicles.
"Travel Supplier" means the tour operator, Hotel, rental company, Cruise line or airline that provides prepaid travel arrangements for the Insured's Trip.
"Traveling Companion" means a person or persons with whom the Insured has coordinated travel arrangements and intends to travel with during the Trip. A group or tour leader is not considered a traveling companion unless the Insured is sharing room accommodations with the group or tour leader.
"Trip" means a period of travel away from home to a Destination outside the Insured's City of residence; the purpose of the trip is business or pleasure and is not to obtain health care or treatment of any kind; the trip has defined Departure and Return Dates specified when the Insured applies; the trip does not exceed 364 days; travel is primarily by Common Carrier and only incidentally by private conveyance.
"Trip Cost" means the dollar amount of Trip payments or deposits paid by the Insured prior the Insured's Trip Departure Date and shown on any required enrollment form which is subject to cancellation penalties or restrictions. Trip cost will also include the cost of any subsequent prepaid payments or deposits paid by the Insured for the same Trip, after enrollment for coverage under this plan provided the Insured amends the enrollment form to add such subsequent payments or deposits and pays any required additional plan cost prior to the Insured's Departure Date.
"Unforeseen" means not anticipated or expected and occurring after the effective date of coverage.
"Uninhabitable" means (1) the building structure itself is unstable and there is a risk of collapse in whole or in part; (2) there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail or flood; (3) immediate safety hazards have yet to be cleared, such as debris or downed electrical lines; (4) the rental property is without electricity, gas, sewer service or water; or (5) the Destination is Inaccessible.
"Unused" means the Insured's financial Loss of any whole, partial or prorated prepaid, nonrefundable components of a Trip that are not depleted or exhausted.
This plan does not cover any loss caused by or resulting from:
(a) intentionally self-inflicted Injury, suicide, or attempted suicide of the Insured, Family Member, Traveling Companion or Business Partner while sane or insane;
(b) Normal Pregnancy or Childbirth, other than Unforeseen Complications of Pregnancy, or elective abortion of the Insured, a Traveling Companion or a Family Member;
c) participation in professional athletic events, motor sport or motor racing, including training or practice for the same;
(d) mountaineering where ropes or guides are normally used. The ascent or descent of a mountain requiring the use of specialized equipment, including but not limited to pick- axes, anchors, bolts, crampons, carabineers and lead or op-rope anchoring equipment;
(e) war or act of war, whether declared or not, participation in a civil disorder, riot or insurrection;
(f) operating or learning to operate any aircraft, as student, pilot or crew;
(g) air travel on any air-supported device, other than a regularly scheduled airline or air charter company;
(h) commission of or attempt to commit a felony by the Insured;
(i) Mental, Nervous or Psychological Disorder;
(j) if the Insured's tickets do not contain specific travel dates (open tickets);
(k) being under the influence of drugs or narcotics, unless administered upon the advice of a Physician or intoxication above the legal limit;
(l) any loss that occurs at a time when this coverage is not in effect;
(m) traveling for the purpose of securing medical treatment;
(n) any Trip taken outside the advice of a Physician;
(o) PRE-EXISTING MEDICAL CONDITION EXCLUSION:
The Company will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition (excluding any condition from which death ensues) of an Insured, Traveling Companion, Business Partner or Family Member which, within the 180 day period immediately preceding and including the Insured's coverage effective date: a) first manifested itself, worsened, became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; b) for which care or treatment was given or recommended by a Physician; c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.
The Company will waive the pre-existing medical condition exclusion if the following conditions are met:
(1) This plan is purchased within 15 days of Initial Trip Payment
(2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangements;
3) All Insured's are medically able to travel when this plan cost is paid;
(4) The Trip Cost does not exceed $100,000 per person (only applicable to Trip Cancellation/ Interruption).
This coverage will be terminated and no benefits will be paid under this Pre-existing Medical Condition Exclusion Waiver coverage if the full costs of all prepaid, nonrefundable Trip arrangements are not insured.
The following exclusions also apply to Trip Cancellation and Trip Interruption:
Unless otherwise provided by this plan Benefits will not be provided for any loss resulting (in whole or in part) from:
a) travel arrangements canceled by an airline, Cruise line or tour operator, except as provided elsewhere in the plan;
(b) changes in plans by the Insured, a Family Member or Traveling Companion for any reason, unless Cancel for Any Reason was purchased;
c) financial circumstances of the Insured, a Family Member or a Traveling Companion;
(d) any government regulation or prohibition;
(e) an event which occurs prior to the Insured's coverage Effective Date
(f) failure of any tour operator, Common Carrier, person or agency to provide the bargained-for travel arrangements or to refund money due the Insured
The following exclusions apply to Baggage/Personal Effects and Baggage Delay:
Benefits will not be provided for any Loss, or damage to, caused by, or resulting in whole or in part from:
(a) animals, rodents, insects or vermin;
(b) bicycles (except when checked with a Common Carrier);
c) motor vehicles, aircraft, boats, boat motors, ATV's and other conveyances
(d) artificial prosthetic devices, false teeth, any type of eyeglasses, sunglasses, contact lenses or hearing aids;
(e) keys, notes, securities, accounts, currency, deeds, food stamps, bills, credit cards or other evidences of debt, or tickets;
(f) money, stamps, stocks and bonds, postal or money orders;
(g) property shipped as freight, or shipped prior to the Departure Date;
(h) contraband, illegal transportation or trade;
(i) items seized by any government, government official or customs official
(j) defective materials or craftsmanship;
(k) normal wear and tear;
(l) deterioration.
The following limitations and exclusions apply to Car Rental Collision Coverage:
Coverage is not provided in whole or in part for any loss to, or due to:
(a) the Insured or his/her Traveling Companion violating the rental agreement
(b) rentals of trucks, (not including jeeps or SUV's) campers, trailers, off road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles;
c) any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision Deductible;
(d) failure to report the Loss to the proper local authorities and the rental car company
(e) damage to any other vehicle, structure, or person as a result of a covered Loss
(f) participation in contests of speed, motor sport or motor racing including training or practice for the same;
(g) driving under the influence of alcohol;
(h) being under the influence of drugs or intoxicants, unless prescribed by a Physician;
(i) war or act of war, whether declared or not, the Insured's participation in a civil disorder, riot or insurrection.
The following exclusions also apply to the Accident Sickness Medical Expense Benefit:
Unless otherwise provided by this plan Benefits will not be provided for the following:
(a) routine physical examinations;
(b) mental health care;
c) replacement of hearing aids, eye glasses, contact lenses and sunglasses;
(d) routine dental care;
(e) any service provided by the Insured, a Family Member or Traveling Companion;
(f) alcohol or substance abuse or treatment for the same;
(g) Experimental or Investigative treatment procedures;
(h) care or treatment which is not Medically Necessary, except for related reconstructive surgery resulting from trauma, infection or disease;
(i) coverage for Trips less than 100 miles from the Insured's Primary Residence.
The following exclusion also applies to the Emergency Evacuation Benefit:
(a) coverage for Trips less than 100 miles from the Insured's Primary Residence.
The following exclusions also apply to Accidental Death and Dismemberment and Flight Guard:
Benefits will not be provided for the following:
(a) loss caused by or resulting directly or indirectly from Sickness or disease of any kind;
(b) stroke or cerebrovascular accident or event, cardiovascular accident or event, myocardial infarction or heart attack, coronary thrombosis or aneurysm.


text:
- Client Accounts
- Market Outlooks
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- About MFS
This site is intended for use by U.S. residents. If you are not a U.S. resident, please visit Other MFS Sites.
FOR DEALER USE ONLY. Should not be shown, quoted, or distributed to the public.
© 2017 MFS Investment Management®. MFS® registered investment products are offered through MFS Fund Distributors, Inc., 111 Huntington Avenue, Boston, MA 02199-7632.

subset: commoncrawl


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Friday, May 6, 2011
Plee-Plops and Butlers
5 comments:
Oh My Gosh. I love that kid! I'm going to start wearing short-sleeved pants.ReplyDelete
I know what you mean about them loosing their own private words for things. When my son was little he called socks "ga-gas." I have no idea where he got that from. It was so endearing. Yet, like all parents, we would continue to use the correct word whenever we talked about socks. The day he first said "socks" was so bittersweet. I miss ga-gas.
When our daughter first came to live with us, she used all kinds of made up words for things (she was four at the time). Now she's six and those words are pretty much gone. Our three-year-old son has a few of his own and they always make me laugh.ReplyDelete
Love it! Sweet sweet boys. Short sleeve pants...that may be a keeper:) Bella called a computer...com-pink-cuter, until just recently. My heart squeezed tight when she called it a computer the first time. I hope she never loses "misgot" or "be end" for forgot and the end.ReplyDelete
This is so sweet....My middle son turns eight tomorrow and loves Michael Jackson, but calls him jachael Mickson. I love it everytime.ReplyDelete
So happy to find you too, through COM's competition. I think our boys are sharing some parallel resistance techniques! Look forward to reading more.ReplyDelete


text:
started work on the lid today.
Dent filled, some base colors airbrushed on
little more
decided i wanted to go with a bit more reddish/orange cast to the helmet paint....as opposed to matching the armor.
something like this
so i thought i would try a pearl paint.
silver basecoat applied to trim
first coat of orange pearl
Im undecided yet as to weather i like how its coming out.
once i get more coats on and let it dry ill see better.
few more coats of orange, i LOVE the pearl effect.
gives it a real metallic look.
and the color is really starting to look nice.


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Hello, I'm planning to do a CELTA course starting around August/September.
However I'm not sure whether it would be better to do the course full time or part time.
Obviously everybody did only one of the two, so my questions for you would be:
Which type did you choose?
Were you happy with your choice?
How did you cope with the work load?
What were the advantages?
What were the disadvantages?
Thanks you for your help.
(Note: I know that if I do a full time course I'll have less money, so that is not one of my questions. )


text:
19 players found this guide helpful. Did you?
Diablo content and materials are trademarks and copyrights of Blizzard or its licensors. All rights reserved. | "Fireball" ©2009-2012 by "Broken-Orange" (original); used happily with permission by artist.
"DiabloStrategy" logo by Caniroth. | DiabloStrategy.com contains links only. Ownership of or responsibility for where the links lead is not assumed. Use at your own risk.
This website is not run for profit, nor does it make any. It is entirely ad-free, intended as a gateway for Diablo fans across the web.
Give Me Feedback! | Email Me | DiabloWiki.com - Great for posting your strategy guides!


text:
as a few of you may know, i'm a construction worker here in Montana. I normally work a few hours from home every day, but occasionally i have to travel out of state for a week at a time and come back home on the weekends. i'm trying to find a way to effectively CC when i'm out of town (not necessarily on the jobsite, just after work). We normally stay in a hotel and don't have our own vehicles there, so i have to find a way to make sure my gun is secure when i can't carry it. I refuse to leave my gun just sitting in my bag in an empty hotel room where any of the staff could come in and steal it, and i'm not too enthused about leaving it under the seat in the work truck where i can't keep my eye on who's coming and going.
does anyone have a suggestion for what i should look into? i hate the idea of being in another town in another state where i don't know anyone and have to interact with shady people on the regular, and not have a way to defend myself if $#!t goes bad.


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Great addition for peaceful towing
Reviewed By Gary J (Kansas City, MO) Reviewed for a 2015 Honda CR-V —6/25/2016 4:50 AM
We have used a Softride Quietride 2" drop for towing for several years. They eliminate the rattles and banging that will drive you nuts after an 8-10 hour trip. Our new trailer requires a higher mount. The 6" drop/4.5" rise solid aluminum Quietride ball mount fit the bill. The ball we added weighs as much as the mount. It made for a peaceful towing experience. It's a great addition for towing.


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Hundreds of federal police were deployed in India's eastern state of Orissa as Hindu hard-liners burnt an damaged 12 churches while clashing with Christians. It is believed at least one Christian died in the attack. Ostensibly, the Hindus outburst came because some Christian injured a local Hindu leader, but most observers believe it stems from conversion by low-cast Hindus into the Christian religion. Local TV stations showed films of wrecked churches with all windows smashed and furniture strewn around. Archbishop Raphael Cheenath charge police with turning blind eye to the Hindus mob behavior. Barik, a local Hindu leader, responded that Christians had placed religious statues on a Hindu site. Some Christians believe low-cast Hindus convert because of the treatment they receive in the Hindu religion.
It is ironic, that in Muslim Indonesia, the Christmas holidays passed without a single incident of violence against Christians, but in predominantly Hindu India, there were clashes. Naturally, the American media ignores the peaceful behavior of Muslims just as it ignores the violent behavior of Hindus. Violent Hindus this year are not of great interest to the media which only focuses on terrorism by Muslims.


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All Illinois gun owners are invited to join in Illinois Gun Owners Lobby Day (IGOLD) in Springfield on March 14, 2007. This is an annual event where the members directly lobby their representatives in the Illinois House and Senate. This year, the ISRA is partnering with local and internet organizations in Illinois to increase participation and make a bigger & better impression in Springfield. The other sponsoring organizations are IllinoisCarry.com, ICarry.org, CCRA/GSL. Get your local organization involved as well!
How about an HandGunForum contingent.
I hope to see you all there!
IGOLD Information
Order bus tickets on-line here
IGOLD Flyer print out and distribute
Last edited by Blaster; 01-30-2007 at 06:21 PM.


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Democracy Inaction
posted at 3:39 pm on January 15, 2010 by Dafydd ab Hugh
Could this be the magic "exit strategy" for the Democrats to extract themselves from mounting voter opposition to ObamaCare from all sides? Here is my late-night, bleary-eyed scenario:
- The Democrats deliberately drag out discussions on the House-Senate compromise bill.
- They hope and pray that Republican Scott Brown beats Democrat Martha Coakley in the Massachusetts senatorial election. (Actually, the Democratic Senatorial Campaign Committee can ensure Coakley's defeat by forcing her to campaign where voters can see her, rather than in smoke-filled rooms with lobbyists.)
- Assuming Brown wins, the DSCC could lean hard on Massachusetts election officials to certify the election ASAP; if necessary, a couple of SEIU mafiosi can sit on Coakley's head until certification, to prevent her from trying to sue her way into the U.S. Senate.
- After certification and Brown's official seating in the Senate, congressional Democrats quickly finish the bill and submit it to the full Senate.
- Scott Brown makes good his threat to vote against cloture, becoming the 41st and determinative vote.
- The bill dies, everybody's face is saved — "We did everything we could! It's those darned Republicans!" — and Democrats can spend 2010 bemoaning the "obstructionist" GOP, rather than having to defend a government-run health-care scheme that everybody hates, Left and Right alike.
It's a win-win scenario! I wonder if the majority is already considering it?
Impishly cross-posted on Big Lizards…


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Friday, April 13, 2012
Where: Robert H Lurie Medical Research Center, Locations vary: Session 10-Searle Seminar Room; Session 11-Canning Auditorium, 303 E. Superior, Chicago, IL 60611 map it
Audience: Faculty/Staff - Student - Public
Anita Chase
Group: Feinberg School of Medicine Events
Category: Lectures & Meetings
Northwestern University Feinberg School of Medicine and Northwestern Memorial Hospital will be simulcasting this year's TEDMED conference on campus, free of charge to all faculty, staff, students, and employees.
The conference, happening April 10 – 13, is a chance for everyone on campus to experience "ideas worth spreading" via high-energy sessions presented by leaders in health and science, such as Francis Collins, director of the National Institutes of Health, Gail McGovern, President and CEO of American Red Cross, and Otis Brawley, Chief Medical Officer of the American Cancer Society. More than 90 academic medical centers in the US will also be simulcasting the conference.
What is TEDMED?
TEDMED is a community of people who are passionate about imagining the future of health and medicine.
Once a year, TEDMED holds a "grand gathering" where leaders from all sectors of society come together for three and a half days. They explore the promise of technology and the potential of human achievement. This unique event combines dazzling celebration, high-powered learning and unforgettable theater.
TEDMED is the only place where a Nobel Prize winning neurobiologist has a conversation with a four-star general… where an opera singer (with a double lung transplant) chats with a NASA space physician… and where a ballet dancer talks to an exoskeleton designer.
Together, they weave a tapestry that combines the best thinking from every field and creates infinite new possibilities.
Simulcast locations on campus are forthcoming. A list of session times is available here: http://www.tedmed.com/conference/schedule (note, all times are Eastern Time) and a list of speakers is here: http://www.tedmed.com/2012speakers.


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The Beth Israel Synagogue will hold its 10th annual Trivia Night on March 8 at the Eagles Lodge on Philadelphia Street in Indiana. The event is limited to 150 people and is typically sold out.
"Registration opens at 6:30 p.m. with outrageous desserts and the newly featured 'healthy corner,'" said Millie Glinsky, who, along with Marcy Wilson, is coordinating the event's menu. "And we always include a surprise snack, like the kosher hot dogs or deli delish, featured in past years."
Game time is 7 p.m. when Gerry Pfeffer, the evening's host, begins his mind-bending, always stimulating and often amusing eight rounds of questions.
Visual, audio and theme rounds challenge teams of eight to 10 players.
"Come with a team or come alone and be placed on a team," Pfeffer said. "Either way, you'll feel at home in a friendly, welcoming atmosphere."
Mike Kingan, event chairman, encourages early registration, as "the popularity of this event has grown over the years."
Tickets are $40 and may be purchased from synagogue members or by calling Cari Meil at (724) 422-2065 or Shari Baumler at (724) 388-2979.


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Holiday decorating: Fresh ideas for your Christmas table
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"These labels are just what I was looking for to notify our family and friends of our new address. My husband and I have one son who is 13 months old, so the family in the image does represent our family. They arrived earlier than expected."
"Bought the moving announcements in the same design, the address labels are the perfect compliment to help decorate the envelope!"
Copyright © 2004-2017 Shutterfly, Inc | Tiny Prints | Terms of Use. Designated trademarks and brands are the property of their respective owners.


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It has been a turbulent year since Roy Hodgson's England were bundled out of Euro 2016 by Iceland in Nice.
Tottenham have laughed off speculation linking Manchester United with a summer bid for HARRY KANE, with the Independent claiming Spurs
Paris St Germain are determined to to beat Arsenal and Real Madrid to the signature of Monaco sensation KYLIAN MBAPPE
The new English Football League fixtures have been announced, as the 72 clubs start their preparations for the upcoming season.
ANTONIO CONTE is heading into talks with Chelsea owner Roman Abramovich with a view to extending his contract with the Premier League champions.
KYLIAN MBAPPE will disappoint his Premier League suitors by joining Real Madrid this summer, according to Marca.


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Real Hydration SolutionsFriday, February 15, 2008
Given my inability to find a great hydrating creme for my readers (see the post below), I thought I'd ask the ultimate hydrating company for their recommendations! So, I hope you have some money saved up, because I asked La Mer!
Loved by fashionistas worldwide (and there is likely a reason), the Classic Creme de la Mer has long been touted for it's incredible ability to moisturize even the driest of skin! I've heard of Hollywood stars using this incredible moisturizer all over their body even!
The Eye Concentrate is a newer product that is incredibly concentrated to help quench the dryness around your eyes, as well it helps with dark circles and puffiness, lines and wrinkles! It was a 2007 Redbook MVP (Most Valuable Product) Award Winner even!
Finally, The Hand Treatment helps us with the most abused part of our bodies, especially this time of year!
If you feel the need for some pampering and your skin is crying out for moisture, these are definitely some products to try out.
3 comments
I having been using La Mer as a night cream for 6 months now and it has dramatically increased my skin's radiance and virtually eliminated the majority of my fine lines. The texture of the Moisturizing Gel Cream is optimal for oily or combination skin tones, as it melts right in, leaving no greasy residue behind. Best of all, when I wake up in the morning I have a healthy lit-from-within glow.ReplyDelete
for an incredibly cheap alternative to La Mer, I've found Ponds Dry Skin Cream to work wonders for me during the harsh cold and dry winter months! I have been prone to skin rash breakouts and massive peeling during the cold season and ponds has really saved my skin and my wallet as well :)ReplyDelete
- AnonymousFebruary 15, 2008 at 7:06 PM
Seems like a good solution :)ReplyDelete
Recently though I remember reading a post at Savvy Skin, saying that La Mer is very much the same as Nivea but the prices are far far apart (Nivea being a tiny fraction of the price of La Mer).
Do you think you can also do a comparison of the two? It'd be great to read what you think :D
I love comments! Please ask away, provide info on how you liked something, etc. Note that spam, comments with random links (which I count as spam), anything not in english (again, spam) and comments that are completely unrelated to anything will all be deleted.


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Enric Sala:
Glimpses of a pristine ocean
Enric Sala shares glorious images — and surprising insights and data — from some of the most pristine areas of the ocean. He shows how we can restore more of our oceans to this healthy, balanced state, and the powerful ecological and economic benefits of doing so.
Similar topics
- Economics
- Fish
- Mission blue
- Oceans
- Science
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Jalapeno Popper Corn Cupcakes RecipeRead Reviews Be the first to add a review
4.5 2 2
Cream cheese frosting may seem like an unlikely partner for a jalapeno and cornmeal cupcake, but we guarantee the treats are sure to please! —Tina Bellows, Racine, Wisconsin
Featured In: 68 Cinco de Mayo Party Recipes
- 1-1/4 cups all-purpose flour
- 1 cup sugar
- 1/2 cup cornmeal
- 2 teaspoons baking powder
- 1/4 teaspoon salt
- 2 large eggs
- 1/2 cup 2% milk
- 1/2 cup olive oil
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- 1 teaspoon vanilla extract
- Sliced jalapeno peppers
- In a large bowl, combine the flour, sugar, cornmeal, baking powder and salt. In another bowl, combine the eggs, milk, oil and vanilla. Stir into dry ingredients just until moistened. Fold in corn and jalapeno.
- Fill greased or paper-lined muffin cups three-fourths full. Bake at 350° for 24-28 minutes or until a toothpick inserted in cupcake comes out clean. Cool for 5 minutes before removing from pan to a wire rack to cool completely.
- Place bread crumbs on an ungreased baking sheet. Bake at 400° for 2-3 minutes or until toasted. Cool. In a large bowl, beat cream cheese and butter until fluffy. Add confectioners' sugar and vanilla; beat until smooth. Frost cupcakes. Garnish with toasted bread crumbs and jalapeno slices. Store in the refrigerator. Yield: 1 dozen.
Editor's Note: Wear disposable gloves when cutting hot peppers; the oils can burn skin. Avoid touching your face.
Originally published as Jalapeno Popper Corn Cupcakes in Taste of Home's Holiday & Celebrations Cookbook Annual 2011, p187
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Reviewed Sep. 13, 2014
"I guess I would be more impressed if these weren't pretty much my cornmeal muffins, plus frosting. I have been making my cornmeal muffins with thawed frozen corn and a can of green chilis for as long as I can remember. The taste is pretty much the same, but with standard cream cheese frosting. If I were to make them again, I would probably try them as mini cupcakes. Also, this makes way too much frosting. I had enough leftover for probably another half batch."
Reviewed Feb. 12, 2014
"These are awesome! Frosted or not, these cupcakes are great! Recipe is easy, using everyday low cost pantry items. I used a mini-muffins tin to create appetizers. I plan to make these for my daughters wedding buffet!"


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But with so much media attention paid to Kansas City, Mo. we haven't seen much of Mark Holland since. This week, he delivers his first State of the County address. It's a good time for us to ask: what has Mark Holland done on the job? He joins us for a newsmaker interview.
Also this week:
Jackson County getting commuter rail back on track…
The Jackson County Executive Mike Sanders announces this week they're preparing to spend $59 million to buy from Union Pacific a crucial 19-mile-long rail corridor that includes what is known as the Rock Island Line that runs through Lee's Summit, Raytown and Kansas City and just next to the Truman Sports Complex.
Rehabbing KCI could cost a third of the price of a new terminal…
Kansas City could totally renovate terminals A, B and C at KCI Airport and do so at just a third of the cost of building a new single terminal. That was the estimate provided this week by the airport's Deputy Aviation Director Phil Muncy, in testimony before the KCI Terminal Advisory Group. How do these latest estimates change the conversation about the future of KCI, if at all?
Kansas City submits RNC 2016 bid
Kansas City officially submitted its bid this week for the 2016 Republican National Convention. They did so with a slickly produced video showing our two Kansas City Mayors signing the proposal and handing it off to a massive security convoy. The tagline: "If this is the send-off we give your proposal, imagine the welcome we will give your guests." The details, though, of Kansas City's bid are a closely guarded secret.
This week's news reviewers
Lynn Horsley, Kansas City Star
Garrett Haake, 41 Action News
Dave Helling, Kansas City Star


text: Saw your post on the Glock forum of Firearms Talk. I left you information about the wallet holster for your LCP there as well. Just adding that I recently acquired a G30SF and I do like it very much. I paid a little more than you but I got two extra mags, and a very nice Foxx IWB Holster as well. Your video was good too!


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CHAPEL HILL - Maryland went on a 7-1 run to start the second half and defeated North Carolina, 12-8, in the Atlantic Coast Conference Tournament championship game at rainy Fetzer Field on Sunday afternoon. The Terrapins won their fifth consecutive ACC championship, becoming the first team to do so.
The top-seeded and top-ranked Terrapins (19-0) seized control by scoring six goals in the first 10:12 of the second half.
Trailing 12-4, the second-seeded and third-ranked Tar Heels closed the match with four unanswered goals, including three by Abbey Friend, but Maryland maintained control and ran out the remaining time.
"What a night for us," said Maryland coach Cathy Reese. "We knew coming in it was going to be a battle. It always is when you have two talented teams playing one another. Obviously, the weather conditions were less than favorable; you had people slipping and sliding all over the place. But I was proud of the way we stuck together."
Senior Katie Schwarzmann earned her second ACC Tournament MVP award after handing out a championship-game record four assists. Brooke Griffin, Taylor Cummings and Beth Glaros each scored a hat trick, and Alex Aust added a pair of goals in the Terrapins' balanced attack.
'Katie, being the player she is, draws a lot of double (teams)," Reese said. "But that opens up your other players like Brooke and Taylor Cummings, and we have seen them have success because of it."
North Carolina (14-3) fell to Maryland in the ACC Championship title game for the fourth straight year despite Friend's game-high four goals. The Tar Heels held a 15-7 advantage in draw controls, but Maryland led 29-19 on ground balls. Carolina committed 14 second-half turnovers and went 7-of-15 for the game on clear attempts.
"In that first 10-minute stretch of the second half, I don't think it was a lack of offense on our part - it was a lack of not having the ball," North Carolina coach Jenny Levy said. "I thought our fight was great. With 10 minutes left in the match, we had great momentum.
"Our inability to clear the ball was unfortunate. Usually we are 95 to 99 percent (successful) on clearing."
With senior Kara Cannizzaro assisting on one goal and scoring another herself, North Carolina built a 3-2 lead by the 10:38 mark of the opening half. But Maryland countered with three unanswered goals - two by Glaros sandwiched around one by Aust - to go up 5-3 at the break.
Griffin led Maryland's charge at the outset of the second half, scoring two goals and assisting on another. Four other players scored at least one goal during the Terrapins' decisive run.
Megan Ward made nine saves in goal for North Carolina, while Maryland's Kasey Howard recorded eight.
2013 ACC Women's Lacrosse All-Tournament Team
Covie Stanwick, Boston College
Makenzie Hommel, Duke
Alex Aust, Maryland
Taylor Cummings, Maryland
Beth Glaros, Maryland
Brooke Griffin, Maryland
Kasey Howard, Maryland
Katie Schwarzmann, Maryland - MVP
Kara Cannizzaro, North Carolina
Abbey Friend, North Carolina
Aly Messinger, North Carolina
Casey Bocklet, Virginia


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Product Reviews


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Check out live feed from NASA about Curiosity or watch the archived Curiosity videos with Curiosity Cam! Continue reading
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He's been gone almost four years: On one hand, not such a long time. But considering he died at age 19, it equates to a big chunk of the life he lived.
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Click the links below to find more information:
The Medical Laboratory Science (MLS) program offers a Bachelor of Science in Medical Laboratory Science through two routes: 1) a Traditional on-campus Program; and 2) an online Progression Program designed for certified medical/clinical laboratory technicians (CLT/MLT).
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'Roy, Buffalo's second-round pick in 2001, had 28 goals and 78 points in 49 games with Kitchener of the OHL last season. He also had three goals and an assist in four games to help Kitchener win the Memorial Cup and take MVP honors.'
Forward Roy signs with Sabres
May 28, 2003 Submitted by
Via: AP


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Egypt is frequently cited by American leaders as a nation which is engaged in fighting the "war against terrorism" but scant mention is ever made of the war conducted within Egypt by its government against those who have the strange idea they have a right to an opinion that differs from that of President Mubarak. Karim Amer, a blogger, has been sentenced to prison for "defaming" Mubarak and inciting hate against Islam. Of course, any statement that challenges the president of Egypt is, by definition, defamation. Four bloggers and activists told of their experiences of being kidnapped and held for 17 days for daring to print the truth on their blog. Mohamed Adel was arrested without a warrant by security forces and placed in the punishment cell for days while he was handcuffed and blindfolded.
The bloggers were finally released but not until security forces made clear if they continued saying the wrong things on their blogs a trip to the punishment cell might not be the end of their problems. America stands for democracy in the Middle East as long as it has nothing to do with its democratic allies such as Egypt or Saudi Arabia.
At least in Egypt, it is not off with their heads!


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Go say hello to 17 people in the Newbie section.
still can't get into the classifieds section? What the heck?
- Rick
(Oops, I meant "supporting member".)
Last edited by JustRick; 10-23-2008 at 12:04 AM.
Go say hello to 17 people in the Newbie section.
I'm pretty sure it's only 100. I'm nearly there...
I haven't followed this link, but I'm sure it's a really good one.
Or maybe not, who can really say?
For sure. That would be a value judgment, and the nice teachers in school always taught us that applying our values was Wrong.
I suggest sticking to the "old fashioned" way of increasing your post count by simply replying to threads.
Since when did forums go from community to communist LOL
For the overly sensitive people on this board I AM JUST JOKING!!!
BeefyBeefo gave you the link that had the answer and you then stated you didn't go to it. So your question was in fact answered, you just chose not to click your mouse.
Just give you guys an idea as to why I've made Classifieds only acessible for members with higher post count is because of 3 main reasons.
#1. Got tired of people only registering to post an ad...only never to be heard from again.
#2. 2 members were actually screwed out of hundreds of dollars on deals that went sour. They were screwed from "New" members with low post counts... like 1 or 2...
#3. Trust... plain and simple... someone joins and sticks around for awhile and builds up a reputation. Higher the post count, more likely to be more trustworthy.
Since I'm the owner... I don't want to be sued from someone who got screwed, even though I've clearly stated the forum is not responsible or liable.... I still don't want the headache.
"bing bang boom! hair out...hamburger time" - William Murderface


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Posts Tagged 'swap shop'
Spring cleaning
April 5th, 20100
It's the perfect time of year for a good scrub, clean and sort out. If you're anything like us girls here at Bravissimo then you might just hoard stacks of magazines too. You keep them for a particular article or image that you want, but you end up keeping the whole thing and forget what it is you wanted it for so desperately in the first place. So we've come up with a cunning plan; get a scrapbook to safeguard anything you find of interest then recycle the rest. Better still donate them to your local GP practice or hospital/dentists' waiting room (as long as you haven't cut them into shreds already to fill up your new scrapbook). That's your magazine stash sorted, now for the clothes.
It might be hard but try to throw out all those fashion fads you bought on impulse but know you'll never wear; those sequin leggings, that prom dress, what were you thinking?! From now on the emphasis in fashion land is about fashion forevers and classic styles rejuvenated with modern twists, rather than quick fix fashion fads. Check out our great basics range for some fashion essentials to see you through spring. We also have a range of classic and elegant shift dresses that can be dresses down for work or glamed up for the evening! Easy, classic and a great fit, what more could you want?
A great way to clear some space, get some new clothes and not spend a penny is to organise a swap shop with your friends. The basic rules are that each participant brings with them a few old clothes that they no longer wear, but can't seem to part with. The clothes are then laid out for others to swap, borrow or keep and everyone should go home with something new. You know what they say; one woman's trash is another woman's treasure. This can also be done with old boyfriends, but is way more complicated and can get messy, so best stick to the clothes for now ladies!


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What Happened to My Fuel Economy?
You notice that suddenly your vehicle seems to be getting worse gas mileage than it did awhile back. Why? What happened?
Like with most things on your vehicle, there can be numerous problems at the root of poor fuel economy. Let's start with the simple ones and work our way to the more complicated issues:
Tires: This one's easy. Underinflated tires mean more rolling resistance (think about riding a bike with a low tire), and more rolling resistance means poorer fuel economy. Check your tire inflation at least once a month, while the tires are cold, using a good quality tire gauge. Even a pound or two of underinflation can be enough to cause problems!
Air filter: The air filter is made of pleated paper or fabric elements which pre ...[more]
How To Maintain A New Car
So you got a new set of wheels – congratulations! You're going to want to hang onto it as long as possible, so you'll want to keep it maintained as well as you can. Here are some suggestions:
First, read the owner's manual carefully and stick to manufacturer's recommendations for service intervals. There are certain things that are critical enough that failure to adhere to recommendations can void a new car warranty. Don't let that happen!
For instance, just about every manufacturer recommends synthetic oil for their engines; it provides better protection in just about every respect, and it's more stable at high and low temperatures. If your owner's manual prescribes a 10,000-mile oil change, stick with that and be sure to use the bra ...[more]
Spark Plugs – How Often Should They Be Replaced?
In the old days, a tune-up was necessary about every 35,000 miles. It would usually consist of setting the ignition timing, replacing the mechanical breaker points in the ignition, cleaning and adjusting the carburetor and replacing the plug wires and spark plugs. Today, of course, the carburetor's job is done by fuel injection and the ignition timing and spark are controlled by the engine computer. Few vehicles still have plug wires anymore either, as the distributor was replaced by the computer and a coil-on-plug design which delivers a spark at each spark plug.
But what about the spark plugs themselves, though? How often do they need to be replaced now?
Manufacturers tout an 80k-100k mile service interval on spark plugs now, thanks in part to improvements in plug design and materials. That might be stretching it, however. Remember that if you have a 100,000-mile spark plug, its electrode is worn down 4/5 of the way at 80,000 miles. A worn ...[more]
Things To Look For When Buying a Used Car
What's Leaking From My Car?
A/C Problems Demystified
- Compressor
- Condenser
- Receiver/dryer
- Thermostatic expansion valve
- Evaporator
- Refrigerant
- Blower
Regular, Synthetic or Blend...What Kind of Oil Do I Need?
At one time, there were only a couple of choices for motor oil. Today, that is no longer the case, and hasn't been for quite some time. Here's a quick breakdown of what you need to consider when it's time for an oil change:
- Viscosity: Viscosity is how thick your oil is, and how it retains its pour properties at various temperatures. In this respect, synthetic oil is far superior. Conventional oils will thicken in cold weather and thin out when very hot, while the viscosity of synthetic is much more uniform. Check your owner's manual -- many newer models require a thinner, lower-viscosity oil, which also helps the engine run more efficiently. Viscosity is expressed as a numerical value -- the lower the number, the thinner the oil. Many are designed to work a ...[more]
Questions You Shouldn't Be Afraid to Ask Your Auto Repair Tech
Often, drivers are mystified by how their cars actually work. It's to be expected. Even an older car is a complex machine with many sub-assemblies that all work together to move it down the road.
As a result, drivers tend to be a little intimidated by auto repair and often tend to not inform themselves by asking the necessary questions of a tech or a garage. Too often, that ends up being a big mistake. Here are some examples of the kinds of things you really should know before any auto repair work starts:
- Does your shop work on any kind of vehicle? Of course, most shops can service a product from GM, Ford, Chrysler, Nissan, Toyota and the other leading makes. Some makes, however, require a lot more training and experience, o ...[more]
Differential Service: Too Often Neglected by Drivers
The Holidays Are Coming – Is Your Vehicle Ready?
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I'm in the process of doing a TDI swap into a MK2 and I would like to be able to build the engine and transmission and drop them into an already diesel car. As I'm building the engine I would like to have the donor car be my daily. If anyone is selling an N/A Golf MK2 I would like to see what's out there. I'm in AZ.
I already posted in the diesel forums im just broadening my scope.


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This warranty covers manufacturers defaults upon receipt only, and not negligence or damages on the part of SAPO or yourself. Item must be returned to us for a replacement. Buy with confidence!
7 Days: If for some reason you receive a faulty item, you can return it for a replacement. Kindly arrange with me prior to the return. We double check items prior to postage. Shipping fees are not refundable.


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There have been a number of minor updates pushed through the Windows Phone Store for a selection of apps. We've clocked 10 notifications through the night, which certainly feels like Christmas to any smartphone owner. We'll quickly run through what's new in each app in one swoop, to provide a heads up on what you can expect to see should you own any of the apps affected.
So sit back, grab a cup of tea and join us as we traverse through the realm of Windows Phone app upgrades.