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★★★★★ Compare General insurance Quotes & Save! ★★★★★
- What is Insuranks? Get Familiar With The Marketplace That's Going To Transform The Way You Feel About Insurance!
- Take Me Straight to The Top 10 Best General insurance Companies & Agents Based on Insurankers (aka, Consumers) Experiences!
- Car Insurance Quotes
- Homeowners Insurance
- Renters Insurance
- Travel Insurance
- Life Insurance
- Health Insurance
- Pet Insurance
- Dental Insurance
- Motorcycle Insurance
- Phone Insurance
- Business Insurance
What is Insuranks?
Whenever you are looking for General insurance near you, Insuranks helps you find the best service providers in your area and lets you receive and compare unlimited free personalized quotes, instantly and securely, and shop around from the best companies, agencies, agents (both captive and independent) and brokers while serving you their Insuranks Score - their ultimate ranking on the website, a consumer-experience-based average total ranking of the overall consumer experience with that insurer/producer! This helps you make better and smarter General insurance decisions that eliminate your insurance risk and pain while maximizing your rewards, benefits, savings & pleasure!
Insuranks Score is the sum aggregation of the total average scores/rankings that the insurer/producer has received from consumers, which we also call Insurankers, for the most important aspects insurance service providers must strive to excel in! Things like...
- The overall satisfaction from the given service
- How good they handled claims
- How good was their customer service - how consumers ranked their approachability, accessibility, availability, accuracy, courtesy, patience and pleasantfulness displayed when responding to requests
- The received value for the paid money
- How fast was the service
- How fast they wrote and delivered the policies from the moment it was purchased
- How broad was the coverage that they provided
- How personalized was their advice for the consumers individual needs and requirements
- Client-First Approach: How well they are putting the consumer needs ahead of theirs. Did they recommend products that pay lower commission because it better fit consumers needs, etc.
- The level of added value they have brought to the table
- Their level of knowledge and expertise
- Their level of professionalism
- Their level of dedication
- Their level of emotional intelligence and listening skills. How much tactfulness, open heartedness, sensitivity, listening and emphatizing they were on a deeper level to recognize the consumers true needs and wishes
- Energy Level: What was their level of excitement, passion, enthusiasm and eagerness
- Trustworthiness, honesty and reliability. How comfortable were consumers putting their lives in their hands
- How much technical Knowledge they had
- How good they are in financial planning
- How communicative were they: were they explaining things on a level that every person can understand versus using industry jargon
- Persistence - how they have dealt with consumer rejections
- How well were the consumers treated after their purchases
- Were they checking on consumers periodically to find out about changes that might affect the policy
- How informing they were on industry updates
- How good they were at resolving consumer problems
All of these together determine the Insuranks Score of every insurance service provider on the site, a score that is being served to you, insurance shoppers, all over the platform - whether it's when you receive your quotes from the marketplace, when you browse through the top 10 insurers/producers rankings, when you simply browse through insurance service providers around the site and whenever you communicate, interact and engage with any insurance service provider on the website - to simply make your insurance experience absolutely ASTONISHING, SIMPLE & POSITIVE!
Become an
Friendly Cheap General insurance Quotes Comparison & Shopping in One Place.
Follow the steps below to compare General insurance quotes side by side from different companies and agents through the marketplace and save yourself time, hassle, unnecessary headaches and plenty of money in your bank account.
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Complete your profile and upload your best profile photo with the biggest smile!
Create quote requests for all your insurance needs and take your General insurance to The Marketplace to get unlimited personalized, free General insurance quotes and plans emailed straight to your inbox online in real time from the best General insurance companies and agents near you - whether you have excellent or poor/bad credit and claims history and whether you're looking for a simple coverage or a full, broad and advanced General insurance coverage that will cover you from all sides. And whether you have big budget or a modest amount to invest in your General insurance insurance, just take it to the marketplace and start collecting and comparing bids from the different agents & carriers.
Compare cheap General insurance quotes online, shop around for plans and rates through the personalized comparison chart and get the best, cheapest, most comprehensive, broadest General insurance coverage for your need, whether you're looking for full coverage or partial coverage.
Purchase and manage your General insurance policy online securely and easily from your mobile phone, tablet or desktop.
Repeat with your other insurance needs to take complete control of insurance in your life.
Rank your experience with the General insurance company and agent to help others by determine their true level of service and improve the overall General insurance experience.
Sharing is caring. Spread the word and tell your friends and family about our free service for their benefit and lift their General insurance experience too!
What Are General insurance Quotes?
A General insurance quote is an estimate for what your General insurance coverage would actually cover for you and what its rate would be with a given insurance carrier. The quote can be estimated by the carrier itself, by an insurance agent or broker, or by an aggregator such as ours. The quote is determined by the information you provide to the quote giver and is mostly tailored and customized to your own specific needs and consumer background as described by yourself at the time of requesting the quote. The more information you provide to the quote giver, the more accurate the estimate price is.
Quotes that are given through agents or brokers often include their own commission that is being paid by the insurance carrier as a percentage from the premium itself. While some captive agents receive salaries, most agents and brokers rely on their commissions for their income and this is how they make money. Their commission can range anywhere from 0-1% for some annuities policies, 8-20% for car and home insurance to 40-100+% for some life insurance policies, on the first year of the policy. They also earn their money every time you renew your policy, mostly from 1-2% for life insurance renewals (zero after three years) to 2-5% (some even receive up to 15%) for car and home insurance renewals. However, going for the cheapest premium is not something that we always recommend, sometimes it is better to pay more for a premium that covers you well and answer all of your specific and personal needs.
Captive insurance agents only give you quotes from the one insurance carrier that they work for and represent and they might be encouraged by that company to sell you certain products and policies that meet the carrier goals.
Individual insurance agents normally represent a number of insurance companies/carriers and sell the products that best match your needs as their client. They are usually well trained and are very familiar with the insurance market, insurance law and regulation.
Comparing quotes with Insuranks lets you enjoy all worlds... having carriers, captive agents, individual agents and brokers near you give you their best rates, offers, coverage options and discounts on your desired protection, to receive your valued business.
You can then see all of the quotes you received in front of your eyes along with the carrier and agent reputation, their Insuranks Score, a consumer-experience-based score next to it, to help you make the best possible decision from a wide variety of options, all in one place.
This way you will find out who can offer you the best, cheapest General insurance for your particular needs, wants and interests which also gives the best possible service! Be sure to check how other consumers have ranked the agent and the company through their profiles!
Using Insuranks you can also get covered for shorter periods of time and take your General insurance back to the marketplace to shop around a little more and try to receive an even better price, coverage and service!
It is important to note that General insurance quotes do not affect your credit score in any way. However, every time an insurance company is accessing your credit report an inquiry is added to it, these inquiries have no effect on your credit score.
How long does it take to get a General insurance quote? It depends. Getting one quote shouldn't take long, however, sometimes it is better to take your time with it and provide as much information as possible, so you can get the most accurate quotes. Using Insuranks, you only fill in your quote request once and receive quotes from unlimited agents, brokers and carriers.
Helpful Insurance Resources:
- NAIC's Licensee Lookup
- Insurance Information Institute: III.org is a US industry association with the mission to "improve the public understanding of insurance, what it does and how it works". The Insurance Information Institute was founded in 1959 and is based in New York City. To read more about the Insurance Information Institute click here
- Healthcare.gov: A United States federal government operated health insurance marketplace that allows people to compare health coverages that meet their needs and budgets. More about healthcare.gov here
- Medicare.gov: The official US government website for Medicare. Read more about Medicare here
- Insurance Research Council: IRC is an independent non-profit research organization that is backed by leading P&C companies and associations that provides research and analysis on issues that affect insurers, consumers and policy makers. Founded in 1977 and based in Malvern, Pennsylvania
- Law360: Insurance Legal News and Analysis: Legal news, research, analysis and information on carriers, brokers, agents and reinsurers
- The Insurance Institute for Business and Home Safety: IBHS is an independent nonprofit scientific research and communications organization that provides real-world solutions for home and business owners with a mission to identify and promote the most efficient and effective ways to strengthen homes, businesses and communities against natural disasters and other causes of loss, and by that create a world with more durable and resilient communities
- USA.gov: USA.gov is the official website of the United States federal government. It's an official online guide to all US Government Information and Services - a one resource for all US federal government resources - More about USA.gov here
- Small Business Administration: SBA.org is a US government organization that provides support to entrepreneurs and small businesses in order to empower and strengthen the nation's great economy - Read more about SBA.org
- Consumer.gov: A US Federal trade Commission website that is dedicated for the sole purpose of protecting America's Consumers by using money wisely, using credit and loans carefully and protecting identity
- Children's Health Insurance Program: CHIP provides low cost health insurance coverage to families that earn too much to qualify for Medicaid. Each state offers CHIP coverage and works closely with its state Medicaid program. In some states, CHIP covers pregnant women too.
- Insure Kids Now: insurekidsnow.gov is the state child health insurance program (S-CHIP). It's a program ran by HHS to provide health insurance coverage to families with children in all US states
- OpenSecrets.org: OpenSecrets is the website of the Center for Responsive Politics, a nonprofit, nonpartisan research group located in Washington DC. It's the top resource in the US for unbiased information and allows users to track federal campaign contributions and lobbying by lobbying firms, individual lobbyists, industry, federal agency and bills. Other resources include the personal financial disclosures of all members of the US congress, the president and top members of the administration. OpenSecrets users can also search through ZIP codes to learn how their neighbours are allocating their political contributions.
- NAIC: The National Association of Insurance Commisssioners, or NAIC, is the US standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia and 5 US territories. More about NAIC here
- Insurance Institute for Highway Safety: IIHS is a US non profit organization funded by auto insurers, founded in 1959 and based in Arlongton, Virginia, that provides crash test ratings, news and more, to reduce the amount of auto accidents damages. More about IIHS here
- Find insurance plans that are accepted by the Cancer Treatment Center of America
- The National Flood Insurance Program: NFIP is a program created by the congress of the United States in 1968 through the National Flood Insurance Act of 1968. More here.
- Learn more about insurance in general through Wikipedia. You can also learn specifically about insurance in the United States.
- Insurance Terms Glossaries: 1. IRMI ; 2. AM Best
- Insurance Companies Financial Strength Ratings: A.M. Best, Moody's, Standard & Poor's America, Standard & Poor's Global Ratings, Fitch Ratings, JD Power's Insurance Ratings, Kroll Bond Rating Agency, Weiss Ratings, BBB.ORG
- NAIC's Research: Insurance Companies Rating Agencies - Methods & Procedures
- Health Insurance Trends During Trump's Administration: Harvard University Analysis
- HHS.GOV - US Department of Health & Human Services: HHS's mission is to take care of your health and give assistance to those in need. HHS supports and protects American elderly, people with disablities, infants and children.
- FDIC: US Federal Deposit Insurance Corporation
- HUD: The department of housing and urban development. Its mission is to increase home ownership in the US, encourage community development and maximize accessibility to affordable housing
- Healthfinder.gov: Healthfinder provides information from many trusted sources to help people remain healthy, understand health better, prevent diseases, understand diagnoses, get support and discover treatment options
- Social Security: The website of the federal old-age, survivors and disability insurance provides many healthcare services including social insurance, replacing MediCare card, changing your contact information, applying for social security retirement benefits and more. More about social security in the United States here
- Alabama - Explore Alabama's Department of Insurance website: Online Services, For Consumers: File Complaint, For Producers: Licensing Requirements, For Companies: Filing Requirements, Address: P O BOX 303351, Montgomery, AL 36130-3351, Email address: [email protected], Phone number: 334-269-3550
- Alaska - Discover Alaska's Department of Insurance website: Consumers, Producers, Insurers, Address: 550 W 7th AVE, STE 1560, Anchorage, AK , Phone numbers: (907) 269-7900 , 1-800-INSURAK (in-state, outside Anchorage), Fax: (907) 269-7910, Email address: [email protected]
- Arizona - Find out more on Arizona's Department of Insurance website: Consumers, For Consumers: File a Complaint, Producers, Insurers, License Search, Address: 100 N. 15th Avenue, Suite 102, Phoenix, AZ, 85007-2624, Phone numbers: (602) 364-2499, (800) 325-2548 (in Arizona, outside Phoenix), (602) 364-2977 (Spanish), Fax: (602) 364-2505, Email address: [email protected]
- Arkansas - Get more on Arkansas's Insurance Department website: Consumer Services, Industry Regulation, Licensing, News, Address: 1200 West Third St. Little Rock, AR 72201-1904, Phone numbers: (800) 282-9134, (501) 371-2600, Fax: (501) 371-2618
- California - Get all of the insurance help a Californian can ask for on California's Department of Insurance website! Serving all CA residents including San Francisco, Los Angeles, San Diego, Sacramento, San Jose, Long Beach and all the rest: Consumers, Agents & Brokers, Insurers , Address: (San Francisco HQ) 45 Fremont Street, 23rd Floor, San Francisco, CA 94105, Phone numbers: Consumer Hotline 1-800-927-4357, Licensing Hotline 1-800-967-9331, You can email CDI through this page
- Colorado - Get educated, get your questions answered and your complaints investigated via Colorado's Division of Insurance website: For Consumers, For The Industry (Producers & Insurers), Licensing, Address: 1560 Broadway, Suite 850, Denver, CO, 80202, Phone numbers: 1-800-930-3745, Email Address: [email protected]
- Connecticut - Stay informed, find resources, get your questions answered and help for all your insurance and business needs on Connecticut's Insurance Department website: For Consumers: File a Complaint / Ask a Question, For Consumers: FAQs, Forms and Applications, Address: 153 Market Street, 7th Floor, Hartford CT 06103, Phone Numbers: (860) 297-3800, 1-800-203-3347 (Toll Free), Email: [email protected]
- Delaware - Stay alert on Delaware's Department of Insurance website: Consumers, For Consumers: File a Complaint, Businesses, For Businesses: Apply for a License, Legal, Address: 841 Silver Lake Blvd. Dover, DE 19904, Phone Number: (302) 674-7300, Email Address: [email protected]
- Florida - Learn more on Florida Department of Financial Services & Florida Office of Insurance Regulation Websites! Whether you live in Miami, Fort Lauderdale, Orlando, Tampa, Jacksonville or any other FL city, you'll find all the help you need over here: Consumer Services, Licensee Search, Division of Insurance: Agent & Agency Services, Florida Office of Insurance Regulation, FLOIR: Consumer Resources, Florida's Insurance Consumer Advocate, Address: 200 East Gaines Street, Tallahassee FL 32399, Phone Number: 1-877-MY-FL-CFO
- Georgia - Discover more on Georgia Department of Insurance website: Agents, Agencies, Captive Insurance Companies, Insurers, Consumer Services, Agent Search, Agency Search, Company Search, For Consumers: Certificates of Insurance, Consumer Complaint Portal, Consumer FAQs, For Consumers: Submit Question, Address: Two Martin Luther King Jr Drive, West Tower, Suite 704, Atlanta, Georgia 30334, Phone Numbers: 404-656-2070, 800-656-2288 (toll free) Email Address: [email protected]
- Hawaii - Explore Hawaii Insurance Division website, whether you live in Honolulu or any other HI city and island: Insurance License Search, File a Complaint, Consumer Resources, Insurance Agents & Agencies, Insurers, Address: King Kalakaua Building 335 Merchant Street, Rm. 213, Honolulu, Hawaii 96813 Mailing Address: Insurance Division PO Box 3614 Honolulu Hawaii 96811 email: [email protected] Phone numbers: (808) 586-2790
- Idaho - Find all the useful information that you need on Idaho Department of Insurance site. Consumers, Agents, Companies. Address: 700 West State Street, 3rd Floor, PO Box 83720, Boise, ID 83720-0043 Phone: 208-334-4250
- Illinois - Wander through Illinois Department of Insurance website. Consumers, Agents, Companies. Address: 122 S. Michigan Avenue 19th Floor Chicago IL 60603 Phone: (312) 814-2420 emails: Consumer/Provider Questions, Complaints, Claims, Premiums, General Info: [email protected]. Producer, Education, Other Licenses, License Lookup: [email protected]
- Indiana - Explore Indiana Department of insurance website. Consumers, Agents, Companies. Address: Phone numbers: Consumer Services: 800-622-4461 General: 317-2332-2385 emails: [email protected] - [email protected]
- Kansas - Visit Kansas Insurance Department site to get all the help you need in that area. Consumers, Producers, Companies.
- Kentucky - Kentucky Department of Insurance serves Kentuckians online right here: Consumers, Agent Licensing, Companies, Licensee Search
- Louisiana - Find usedul information on Louisiana Department of Insurance site. Consumers - File a Complaint, Agents - License Application, Companies - Application and Filing Requirements.
- Maine - If you live in Maine, you will find everything you need to know at Maine Bureau of Insurance website. Consumers, Producers, Companies, Legal.
- Maryland - Visit Maryland Insurance Administration site to find out any possible insurance resource or help that relates to Maryland. Consumers, Producers, Insurers.
- Massachusetts - MA's Division of Insurance website will answer almost all your insurance needs in Massachusetts. Consumers, Agents, Companies.
- Michigan - Michigan Department of Insurance and Financial Services website is of great service to Michigan's residents. Consumers, Insurance Licensing.
- Minnesota - Minnesota Commerce Department provides online insurance services which you can find right over here: Consumers, Producers, Companies.
- Mississippi - Explore Mississippi Insurance Department website which is a great resource for Missississipians. Consumers, Producer Licensing, Companies.
- Missouri - Visit the Missouri Department of Insurance website to address all problems and get help with many related issues including dedicated sections to consumers, seniors, legal issues, small businesses, agents and insurers!
- Montana - This website is the Commissioner of Securities & Insurance Office of the Montana State Auditor, visit it for help with anything you need in this state: Consumers, Producers, Companies, Legal.
- Nebraska - Browse through the Nebraska Department of Insurance to discover answers to any insurance need you have in Nebraska. Consumer Assistance, Consumer Alerts, Producer Licensing, Producers Information, Company Licensing.
- Nevada - Hop on to Nevada Division of Insurance website to find all the important information that you have to know! Consumers, Consumers - File a Complaint, Insurers, Licensing.
- New Hampshire - The New Hampshire Insurance Department regulates the NH insurance industry - and their website answers many of your needs online! Consumers, Producers, Companies, Legal, Licensing Status.
- New Jersey - Find out all of the NJ insurance information that you need through New Jersey DOBI (Department of Banking and Insurance) that regulates the banking, insurance and real estate industries in NJ and created a website that provides information, answers to most related questions and useful online services. Consumer Information, Consumer Assistance, Insurance Division, Producer Licensing & Education, Insurance Licensee Search.
- New Mexico - The Office of Superintendent Insurance of New Mexico is committed to consumer protection, fraud prosecution and education. Its website provides online services as well as useful information in regards to that for all New Mexicans! Consumers, Producer Licensing, Company Licensing.
- New York - New Yorkers get all of the information they need on NY's Department of Financial Services website insurance industry section. Whether you are from New York City - Manhattan, Queens, Brooklyn, The Bronx, Staten Island or any other NYC location, Buffalo, Rochester or any other city within New York, you will most likely find all of the local insurance information that you need here: Consumer Resources, Agents & Brokers, Companies, Applications & Licensing
- North Carolina - NC Department of Insurance website is there to help North Carolinians, make use of it: Consumer Services, Agents & Companies.
- North Dakota - North Dakota Insurance Department website provides every little detail and service you can imagine in their area of service. Consumers, Producers, Companies.
- Ohio - Click over to the Ohio Department of Insurance website to get all of ther relevant online services Ohioans can enjoy! Consumers, Agents & Businesses, Companies, Legal.
- Oklahoma - Check out Oklahoma Insurance Department website for online services, helpful information and more: Consumers, Licensing & Education, Regulated Entities.
- Oregon - Oregon Division of Financial Regulation helps and protects Oregonians access to fair insurance products and services through education, regulation and consumer assistance. Consumers, Businesses.
- Pennsylvania - Check out Pennsylvania Insurance Department website to find online services and valuable information. Consumers, Companies, Licensees, Regulation.
- Rhode Island - The State of Rhode Island Department of Business Regulation website handles online services as well as delivers quality information to everyone involved. Consumers, Producers, Companies.
- South Carolina - The website of The Department of Insurance in South Carolina provides vital information and helpful onlines services, check it out here: Consumers, Producers, Licensing, Insurers.
- South Dakota - Hop over to the website of the Division of Insurance on South Dakota Department of Labor & Regulation for helpful information and great online services. Consumers, Producers, Companies.
- Tennessee - The insurance division of the Department of Commerce & Insurance of The State of Tennessee. Consumers, Producers, Companies, Legal.
- Texas - Texas Department of Insurance website. Consumers, Agents, Insurers, Businesses.
- Utah - Utah Insurance Department and its website help making insurance easy. Consumers, Licensee - producers & insurers included, News, Fraud.
- Vermont - The Insurance Division in Vermont Department of Financial Regulation maintains affordability and accessibility of insurance to Vermonters, protects consumers and regulates the local insurance industry. Consumers, Producer & Individual Licensing, Companies.
- Virginia - Virginia Bureau of Insurance website supports Virginians insurance needs. Consumers, Producers, Companies.
- Washington - The website of the office of the Insurance Commissioner of Washington State. Consumers, Producers, Insurers.
- D.C. - Website of the Department of Insurance, Securities and Banking. Consumers, Producers, Insurers.
- West Virginia - Website of West Virginia Office of the Insurance Commissioner. Consumers, Producers, Companies.
- Wisconsin - Wisconsin Office of the Commissioner of Insurance. Consumers, Producers, Companies, Regulation, Online Services.
פאי חתכ סאל
TOP 10 BEST General insurance COMPANIES & AGENTS BASED ON INSURANCE CONSUMERS:
Click on the insurance company and agent name to view their full profile which includes all of their aggregated consumer experience rankings, contact and social information, about, discounts and special offers, certifications, spoken languages (for agents only), carriers they work with (for agents only), insurance products offered, locations served, business hours, reviews and a lot more...
Or simply put your trust on the world's best insurer.

subset: commoncrawl


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KJBawesomeness needed a new logo design and created a contest on 99designs.
A winner was selected from 13 designs submitted by 4 freelance designers.
We need a new Website logo/masthead for our client because their current one is ungodly awful.
Or client is looking to become the next big thing in the field of online job searching. We are looking for something a bit more urban, something hip and fun and noticable/memorable. The logo should have a top/left placement in the masthead.
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text: Fulton Boyd, 89, a native of Chestnut Hill, died of cancer on June 6, 2013 at his home in Sao Paulo, Brazil, where he had lived for many years. Born on November 25, 1923 in Philadelphia, Fulton was the son of Eleanor and Joseph Boyd, long-time Chestnut Hill residents, and he was raised with his three sisters in their home on Springfield Avenue. He received his early education at the Penn Charter School and Los Alamos Ranch School before graduating from St. George's School in Newport, Rhode Island. Fulton entered Princeton University in the fall of 1941 and, like so many other young men of his generation, his collegiate career was interrupted by World War II. He served in the U.S. Army Air Force with stations in several European countries and an Honorable Discharge as 1st Lieutenant in June, 1946. He returned to Princeton, majored in economics and graduated in 1948. After a brief period on Wall Street, Fulton joined an investment bank in Rio de Janeiro and held executive positions with various financial institutions in Brazil and Argentina during the next fifty years. While living in Rio, he met Jean Paterson, a lovely Anglo-Brazilian, and they married in 1956. Following a decade in Buenos Aires with a British venture capitalist, the Boyds moved back to Brazil for good in 1966, settling into an active business and social life in Sao Paulo. Fulton was blessed with a warm, positive, energetic personality which brightened the lives of those he touched. He was an avid sportsman and retained a lifelong fondness for squash, tennis and golf. In recent years, the Boyds traveled actively throughout the world. They regularly visited their daughter, Cathy, a Chestnut Hill resident, but often on their way to Europe or China or the Middle East. Fulton was predeceased by his three sisters and is survived by Jean, his wife of 57 years, and his children, Cathy and Jody, who resides in Colorado.


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Last year at this time, we told you to look out for some of the restaurants that would be opening in 2012. Most of them, like Fleet Street Kitchen and Heavy Seas Alehouse, actually did. A few projects we told you to look forward to didn't see the light of day.
Here's what we're reasonably sure about for the first few months of 2013:
First up, My Thai, originally located in Mount Vernon's Park Plaza building, will reopen in a new location in The Tack Factory in Little Italy. The original Charles Street restaurant, along with Donna's and Indigma, was destroyed by a fire in December 2010. The new My Thai will occupy the space formerly held by Lemongrass and will serve both lunch and dinner.
Back on Charles Street, the old Indigma space in the Park Plaza will reopen this spring as Dooby's, a coffee shop and then some. The owner, Phil Han, said he wants Dooby's to be a gathering space for Mount Vernon residents from early in the morning into the night.
Han, a Gilman grad, laughed when I told him that the name, Dooby's, had raised some eyebrows in the newsroom.
"Dooby's my nickname," Han said. It is a shortened version of the Korean term for a croaking toad — which is what his mother thought his crying sounded like — and his parents eventually became known as "Dooby's folks," Han said.
The owner of Paulie Gee's, a wildly popular pizza shop in Brooklyn, N.Y., will open a Baltimore location this spring in the old Hampden Republican Club building on Chestnut Street. Paulie Gee's Hampden will be a collaboration between Paulie Gee owner Paulie Giannone and a Baltimore partner who prefers to remain anonymous for the time being.
The Milton Inn's Brian Boston will be opening Highland Inn in late winter. The Clarksville-area restaurant will operate in a 150-year old farmhouse. Boston will remain the executive chef at the Milton Inn.
The team behind the renovation of the historic Chesapeake restaurant in Charles North said they hope to open two restaurants on the project's ground floor by midspring.
Keeping seats warm The 44 days from New Year's to Valentine's Day can be rough on restaurants' business. That's why they invented the "restaurant week."
First up this year is Baltimore County Restaurant Week, which will be held Jan. 11-27. More than 35 Baltimore County restaurants are participating, offering special menus at discounted fixed prices. Menus range from $10.13 to $35.13 for one, two or three courses.
New participants this year include McFaul's Ironhorse Tavern; Kooper's North; Yasou Greek Bistro; University Club, the new restaurant in the Towson University Marriott Conference Hotel; and Fountainside, the revamped restaurant in the Pikesville Hilton.
For information go to baltimorecountyrestaurantweek.com.
The dates are set for Howard County Restaurant Weeks, too. Some 20 restaurants have signed up to participate in the 15-day dining promotion, Jan 14-28, and will be offering globally themed fixed-price menus ranging from $10.13 to $40.13.
For more information and menu information, go to visithowardcounty.com.
And Baltimore's fifth annual Winter Restaurant Week will be Jan. 25 through Feb. 3
During the 10-day event, participating restaurants will offer three-course fixed-price dinner menus for $30.13 or $20.13. Some restaurants will also offer a two-course lunch, consisting of an appetizer and entree, priced at $15.13.
Baltimore Winter Restaurant Week is presented by Visit Baltimore and Downtown Partnership of Baltimore. For more information, go to baltimorerestaurantweek.com.


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Patient Center
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May 6, 20199:30 AM
Thank you for choosing Dr. James McBride, for your medical needs.
If you are unable to find a desired time, need to reschedule
an appointment, or have insurance & billing questions, please contact the
office at 713-797-9171 and we will be
happy to assist you.
Note: Dr. McBride is no longer delivering babies;
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Fiesta brings us together, but it's not all we are
Web Posted: 04/14/2007 07:34 PM CDT
Marina Pisano
Express-News Staff Writer
Bright paper flowers, lavish gowns, rousing bands, noisy crowds.
The city's biggest bash means all that and more.
For Henry Flores, though, Fiesta brings back one unforgettable day when his personal life intersected with the civic pageantry of the festival's seminal event, the Battle of Flowers Parade.
"It was April 15, 1971, right after I got back from Vietnam, and my family took me to the parade. I remember it was a little too much stimulation for me. It wasn't comfortable," recalls Flores, then an Army captain, who served in combat during the Vietnam War and had just been discharged.
"But then the Brackenridge High School band stopped right in front of me and started playing 'Jeremiah was a bullfrog' ('Joy to the World'). It was funny. It wasn't really the song. It was that it seemed like they were playing it just for me. It said, 'Welcome home.' It lifted my spirits."
Nowadays, Flores, professor and dean of the graduate school at St. Mary's University, would rather catch the bands and flower-covered floats on television than fight the parade's estimated 350,000 spectators and all the snarled traffic. But his story underscores how this historic, 116-year-old spring festival has not only become part of our collective civic memory but also woven itself into the private memories of generations. For some, that speaks to its relevance and unifying power, even though the city has grown.
"These celebrations and rituals are important," says Gilberto Hinojosa, a professor at the University of the Incarnate Word. "Fiesta is not one celebration but a variety of them that come together at the same time, and it has changed over time. Anthropologists say, as a community gets bigger and interdependence is not as evident, the community needs such rituals that emphasize the 'imagined community.'"
According to the Fiesta San Antonio Commission, which coordinates the whole shebang, Fiesta gives the city a $254 million economic "surge." Some 3.5 million people, some from other states and countries, are expected to attend this year's 103 events, put on by more than 95 nonprofit organizations over the 10-day period from Friday to April 29.
But, major economic boost, feel-good memories and the creation of an imagined community aside, there is a larger question: Does Fiesta truly define San Antonio?
First, it's necessary to define what is meant by "define." In this case, it's the thing that gives the city its distinction or distinguishing characteristics? Next, don't expect a definitive answer.
Longtime observers of the city have differing, sometimes ambivalent views.
In fact, for many, the Spurs are the city's defining entity. The popular three-time NBA championship team enjoys a huge fan base and gives San Antonio the kind of exposure and name recognition that transcends sports .
The Spurs are popular, sure. But, "Fiesta still defines the city," says Lewis Fisher, author of "Saving San Antonio," the story of the San Antonio Conservation Society, which runs A Night in Old San Antonio. "It may not be the single unifying force, but it's the greatest single unifying force."
Former Mayor Henry Cisneros disagrees. "Fiesta is a great party, an opportunity when we can let our hair down and enjoy for 10 days. And for newcomers, I suspect, it's the place where you learn to appreciate and fall in love with the city," he says. "But, do I believe it captures the essence of the city? No, I don't think so. We're a lot more serious than that. We've gotten a lot more sophisticated. San Antonio is a lot more than Fiesta, margaritas and Mexican food."
Cisneros, chairman of CityView, a real estate development firm, cites the presence of corporate headquarters for Fortune 500 companies, such as Valero Energy and AT&T, the influx of thousands of jobs and a stream of new people. Along with its longstanding military bases and big new employers such as Toyota, the city has nationally recognized medical research centers and a healthy convention and tourism business — witness all those fancy new hotels.
Flores, who grew up on the West Side and is Cisneros' longtime friend, takes a more nuanced view. "I think Fiesta is one of the things that defines our city, culturally. There are signature aspects for every city. They may not tell the complete truth about what a city is about, but they do help define a city for people who don't know it."
That question of "complete truth" came up most dramatically with New Orleans. For many, that city was defined by the most famous of American city festivals, Mardi Gras. But the poverty, racial divisions and chaos exposed by Katrina and the hurricane's aftermath presented a grimmer side of the city to the world.
Fiesta masks our shortcomings too, says Trinity University professor of history Char Miller. "We're still a city that, for all its economic boom of late, still has upwards of 20 percent to 25 percent of our population that lives below the poverty line. It's a world to which Fiesta does not speak."
With some 1.8 million people in the metropolitan area and the city's astonishing expansion out to far-flung neighborhoods with their own recreation and retail centers, and even beyond to Boerne, Bandera and New Braunfels, Fiesta may be peripheral for many.
"The cultural impact of sprawl is to diffuse us," Miller says. "All those neighborhood cul de sacs may have get-togethers, but it's not about the larger cultural whole."
Developments like the upscale Shops at La Cantera, home to Tiffany & Co., cater to the city's new affluence, and on weekends, the trendy restaurants along Loop 1604 are packed. Many of those eateries are clones of their incarnations in town and have moved to be where the action is.
"Stone Oak is a universe apart," Miller says. "Fiesta is not a physical landscape that those people inhabit. It's a population for whom Fiesta and such celebrations are considerably less important. So, I don't think Fiesta does define the city. Why should one single event define the diversity of experiences in this massive, metropolitan center? It's not the same place it was 20 or 30 years ago."
Or a century ago. Look at the evolution of Fiesta, says anthropologist Michaele Haynes, curator of the Witte Museum, and you see a reflection of social, political and economic currents in San Antonio. From its diverse civilian and military royalty to the geographic spread and sheer variety of events, Fiesta, like the city, is more inclusive and representative than ever.
Of course, it all started with the Battle of Flowers in 1891, when a group of women decided to hold the kind of mock flower battle seen at festivals in Spain to honor the heroes of the Alamo and the victory of Sam Houston's troops over Mexican forces at the Battle of San Jacinto (April 21, 1836). Soon there was a six-day spring carnival, precursor of Fiesta.
The ladies envisioned a genteel affair with members pelting one another with blossoms from decorated carriages. But as University of Texas at San Antonio art historian Judith Berg Sobré, the author of "San Antonio on Parade," explains, mayhem broke out that first year as spectators ripped flowers out of the ground on Alamo Plaza, a fistfight erupted, a carriage was turned over and a man was dragged under a carriage.
Today, a more orderly Battle of Flowers offers a holiday for schoolchildren and a cavalcade of school marching bands, floats, colorful costumes and more crowned royalty than the Hapsburgs. Some families pack coolers and stake out favorite spots along the parade route the night before. Ritual triumphs over commerce, and the streets fill with strutting drum majors and smashed cascarones.
Fiesta's roots are Anglo, but as Miller observes, the organizers soon adopted and embraced the vibrant trappings of Hispanic culture and festivals. "It was the appropriation of something you've triumphed over (at San Jacinto) — a double victory in a sense. You beat them in war. Now, you take over their festival and make it your own."
The city's elite ran the show for a while. Some parts of the community were marginalized. As Haynes says of her research, "The only African Americans I saw in Fiesta photographs up to the '30s and '40s were the grooms leading the horses."
The evolution of Fiesta toward more inclusiveness is most visible in its monarchs, and there the effect has been invigorating. The first Fiesta queen was chosen by the Battle of Flowers Association. But with the founding in 1909 of the Order of the Alamo, that exclusive men's club selected a young woman (and court) from a prominent family to reign as queen of Fiesta. Miss Fiesta, a more egalitarian queen, made her debut in 1949; the Queen of Soul joined her in 1970, and others followed. The men's club's chosen one rules as Queen of the Order of the Alamo, not all of Fiesta.
In the same way, some Mexican Americans protested the predominantly Anglo King Antonio, chosen since 1926 from the Texas Cavaliers, a private organization of businessmen. Rey Feo, who originated in 1947 and joined official Fiesta royalty in 1980, rose as the "People's King."
For some, the expansion of Fiesta from its intimate early days downtown has brought with it a sense of nostalgia and loss. Félix D. Almaráz Jr., professor of history at UTSA, remembers that when he was a child, everyone knew everyone at the fairs and parades, friends and neighbors shared the magic. "Now, Fiesta has become crass commercialism — big 'bidness.' Growth has created impersonalism, not the civility we once had. For me, Fiesta is for someone else. I stay home."
In truth, thousands of locals pay little attention to the hoopla and avoid the throngs wielding pointy anticucho sticks and sloshing drinks. It is not everyone's cup of iced tea.
That said, geography doesn't necessarily dictate participation or lack of. Even from those far-flung neighborhoods, schools proudly send their bands to march in the Battle of Flowers Parade or Fiesta Flambeau. Out in 1604 Land, UTSA students hold their event. In distant subdivisions, friends pile kids into SUVs and head down to the King William Fair or the Fiesta Arts Fair.
Judith Goode, a professor of anthropology at Temple University who studies cities, says that, increasingly, festivals are a way for cities to market themselves. But these events thrive only when they have a steady infusion of local people. "If you don't have regular citizens participating in it, it tends to lose its meaning and simply becomes a way to sell products."
With more than 75,000 volunteers from many parts of the city working at events such as Taste of New Orleans and St. Mary's University Oyster Bake, Fiesta has that covered.
In the end, Goode observes, the purpose of civic festivals is to "celebrate differences and show unity at the same time — unity in difference. While there are different sections of the city, they all make a symbolic whole."
Fine, but the question remains: Does Fiesta define the city?
"I think Fiesta is part of our identity," concludes Flores, as important as his memory of that 1971 parade.
Defining or not, for Sobré, it's simple. "In the end, Fiesta is a way to celebrate ourselves. We're saying, 'Hey, we're here, and we're really cool."
[email protected]
San Antonio Express-News publish date April 15, 2007
Y'know, I was there when Ira Atterbury was shooting at us and nearly killed fiesta in 1979. Even though I had to leave San Antonio soon after that, I came back and I have supported Fiesta as much as i could since I've been back. I love San Antonio and I'm proud that we can party with the best of them. I will always be part of Fiesta and I will always be part of Fiesta.
Fiesta is the soul of san antonio. Please don't let San Antonio transplants and scene-sters tell you otherwise. Fiesta brings me home every year.
can you count suckas
can you count
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How to Project Your Basic Business Numbers
How to Project Your Basic Business Numbers
I'm not a numbers person by nature. I was a writer first, then a journalist, before I got into business. I've learned the hard way, though, that managing the basic numbers is critical to business success. And if it's your business, then you either manage them yourself or work with somebody you really trust.
With that in mind, here's my summary of the most important and most basic numbers in the business, and how to manage projections and tracking and steering ahead with them.
1. Do a sales forecast
I know that's hard for a lot of people, in a lot of businesses, but that's really mainly because you think you're supposed to predict the future correctly. That's not really the point. What you want to do is break the future down into meaningful parts, like units, price per unit, and costs per unit. You won't guess accurately, but if you have the components of it, then you can track the difference between what you expected (or hoped for) and what actually happened. And that leads to management.
What I mean, specifically, is set up a worksheet that goes monthly along the top for 12 months, with a column for the year that adds up the months, and then two other columns to the right for the second and third year. Then think strategically about your main lines of sales, summarizing down to 2-5 lines of sales. Those lines of sales become rows on the same worksheet. Project unit sales in a set of rows, then revenue per unit in another set, and then sales (as units times revenue) as a third unit. Then do direct cost per unit as a set of rows, and finally, sum direct costs as a fifth set of rows. And of course for all of these rows, you have the same columns running to the right: first 12 months, then the first-year total, then the annualized second and third years.
The math for this is simple and obvious. Units times revenue equals sales. Units times direct costs equals cost of sales. Add the months to get the first year. Then do the second and third years annually. The illustration here shows an example for how this looks for the first three months, and you can imagine the rest of it flowing out to the right.
Although the math is simple, the assumptions aren't. Try to find drivers that can help you project realistic numbers. For example, in a restaurant business you might draw a map of the chairs and tables and calculate how many lunches and dinners you can serve per day, week, and month. Or, in a web-driven business, calculate free traffic, paid traffic, conversion rates, and so forth. Always look for the assumptions you can track later. Hint: that tracking plan vs. actual is what drives management. I call it steering your business.
2. Estimate the expenses.
This is another worksheet. It has the same columns along the top as the sales forecast, namely 12 months, the first year total, and then the second and third year.
The rows in this worksheet are expense items. Normally you start with salaries, and then add in marketing expenses, fixed expenses like rent and utilities, salary-related expenses like payroll taxes and health insurance, and so forth.
The math is simple and obvious here, too, but the assumptions aren't. But, if you think about it, if you're going to be able to run a business well you probably have to have a pretty idea of what you're paying in salaries, rent, utilities, marketing costs, and other expenses.
And you don't have to be right. You just have to be specific so you can manage the differences.
3. Manage the plan vs. actual differences
This is where the management comes in. Once you've got your basic numbers projected, expect those projections to be wrong. And then you meet every month (even if it's just you, set up the time) to look at what went right, what went wrong, and what adjustments to make.
And that's called planning.
About the Author:
Tim Berry
Guest Blogger


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Nocipoint Therapy Versus Standard Physical Therapy Using Electrical Stimulation in Treating Pain From TMJ Disorder
|The safety and scientific validity of this study is the responsibility of the study sponsor and investigators. Listing a study does not mean it has been evaluated by the U.S. Federal Government. Read our disclaimer for details.
|ClinicalTrials.gov Identifier: NCT01676129
Recruitment Status : Unknown
Verified August 2012 by National Taiwan University Hospital.
Recruitment status was: Recruiting
First Posted : August 30, 2012
Last Update Posted : August 30, 2012
- Study Details
- Tabular View
- No Results Posted
- Disclaimer
- How to Read a Study Record
|Condition or disease
|Temporomandibular Joint Disorders
|Procedure: Nocipoint Therapy Procedure: Physical Therapy
|Not Applicable
The prevalence of temporomandibular disorders (TMD) is about 20% to 60% of dental patients. Most patients suffer from myofascial pain (MFP) subtype of TMD. Analgesics, local muscle injection or oral appliance are often used to treat TMD-related MFP. Patients are also referred to physical therapists frequently. Many physical therapy (PT) modalities and techniques are applied to these patients, including non-invasive transcutaneous electrical nerve stimulation (TENS) using TENS devices. However, the exact application of TENS devices, including the location of the stimulation, duration and intensity of stimulation, is largely decided by physical therapists. Nocipoint Therapy, a unique combination of precise location, duration and intensity of TENS has been found to substantially relieve general myofascial pain and recover the muscle function with lasting effect.
In preliminary observations of clinical applications, Nocipoint Therapy has been found to rapidly and substantially relieve TMD-related MFP within 2-3 sessions of the treatment.
This clinical study compares the effect of Nocipoint Therapy on TMD with that of standard Physical therapy (PT). TENS will be used in the control group both as a part of the standard of care (i.e., PT) and as placebo.
|Study Type :
|Interventional (Clinical Trial)
|Estimated Enrollment :
|90 participants
|Intervention Model:
|Parallel Assignment
|Double (Participant, Outcomes Assessor)
|Primary Purpose:
|Official Title:
|Comparing the Effect of Typical Electrical Stimulation Therapy With Nocipoint Stimulation Therapy on TMD-Related Myofascial Pain
|Study Start Date :
|July 2012
|Estimated Primary Completion Date :
|December 2012
|Estimated Study Completion Date :
|March 2013
Experimental: Nocipoint Therapy
Nocipoint therapy (NT) follows rules of TENS stimulation in each session, all within the general FDA guidelines of TENS uses. The key points of Nocipoint Therapy include the following:
Procedure: Nocipoint Therapy
Other Name: Charles Koo's Pain Cure Therapy
Active Comparator: Physical Therapy
Patients in this group will be treated with comprehensive physical therapy program including typical electrical stimulation using a standard transcutaneous electrical nerve stimulation (TENS) device, manual myofascial release and postural correction exercise.
The application of TENS will follow general physical therapy guidelines, especially for TMD. Manual myofacial release will be applied on orofacial muscles and neck muscles.
TENS will serve both as a part of the standard of care and as placebo, as the same TENS device is used in both arms.
Procedure: Physical Therapy
- Visual Analog Scale (VAS) for pain [ Time Frame: Measurements will be taken before and after each session, and at the follow-up, which is about 4 to 6 weeks after the last session ]
VAS is measured before each treatment session and at the follow-up:
- VAS - overall
- VAS - most painful
- VAS - when biting hard food
- VAS - at maximal mouth opening range (MMO)
- VAS of pressure pain- measured at the three most painful pressure points.
1,2, and 5 are also measured after each treatment session.
- Maximal mouth opening range (MMO) [ Time Frame: Measurements will be taken before and after each session, and at the follow-up, which is about 4 to 6 weeks after the last session ]
- Quality of Life (QoL) [ Time Frame: Measurements will be taken before the first session and at the follow-up. ]SF-36
Choosing to participate in a study is an important personal decision. Talk with your doctor and family members or friends about deciding to join a study. To learn more about this study, you or your doctor may contact the study research staff using the contacts provided below. For general information, Learn About Clinical Studies.
|Ages Eligible for Study:
|20 Years to 65 Years (Adult, Older Adult)
|Sexes Eligible for Study:
|Accepts Healthy Volunteers:
Inclusion Criteria:
- 20-65 years old female or male
- Diagnosed as MFP subtype of TMD according to RDC/TMD
- Pain duration over 3 month
- Tender point in masseter
- Asymmetrical pain intensity
- Subsided symptoms of joint inflammation
Exclusion Criteria:
- Traumatic TMD from external impact force
- History of traumatic cervical injury
- Presence of systemic disease
- Fibromyalgia
- Co-interventions for cervical problems or TMD during study period
- Signs of psychosomatic illness
- Unwilling to be randomized
To learn more about this study, you or your doctor may contact the study research staff using the contact information provided by the sponsor.
Please refer to this study by its ClinicalTrials.gov identifier (NCT number): NCT01676129
|Contact: Wan-Ling Kuo, BS
|Contact: Charlie Koo, PhD
|National Taiwan University Hospital
|Taipei, Taiwan
|Contact: Wan-Ling Kuo, BS +886-0919-306-856 firstname.lastname@example.com
|Contact: Charles C. Koo, PhD +1-650-996-8168 firstname.lastname@example.com
|Principal Investigator: Alex YJ Chen, DDS, PhD
|Principal Investigator: Charles C Koo, PhD
|Principal Investigator: Jau-Yih Tsauo, PhD
|Principal Investigator:
|Alex YJ Chen, DDS, PHD
|National Taiwan University
|Principal Investigator:
|Charles C Koo, PhD
|National Taiwan University and Pain Cure Center California
|Principal Investigator:
|Jau-Yih Tsauo, PhD
|National Taiwan University
Additional Information:
|Responsible Party:
|National Taiwan University Hospital
|ClinicalTrials.gov Identifier:
|NCT01676129 History of Changes
|Other Study ID Numbers:
|First Posted:
|August 30, 2012 Key Record Dates
|Last Update Posted:
|August 30, 2012
|Last Verified:
|August 2012
Keywords provided by National Taiwan University Hospital:
temporomandibular joint disorders
physical therapy
Additional relevant MeSH terms:
Joint Diseases
Temporomandibular Joint Disorders
Temporomandibular Joint Dysfunction Syndrome
Musculoskeletal Diseases
Craniomandibular Disorders
Mandibular Diseases
Jaw Diseases
Muscular Diseases
Stomatognathic Diseases
Myofascial Pain Syndromes


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It often takes any rookie time to earn the trust of his elders.
When it's a rookie kicker, it's doubly hard.
But for Ravens kicker Justin Tucker, there's never been a sense that his team didn't have confidence in him.
Tucker's double-overtime game-winner against the Broncos stood in stark relief to Billy Cundiff's AFC Championship Game miss last year, which has the Ravens convinced.
"This year, I've never been nervous about Justin Tucker kicking a field goal," defensive tackle Haloti Ngata said, via Aaron Wilson of the Baltimore Sun. "I kind of just sat back and then waited. It got kind of close. I got a little nervous, but then when it went through, I just kind of jumped up and got excited.
"Justin Tucker is a great kicker, and he'll probably be here for a while."
Tucker has given them reason to feel secure, hitting 30-of-33 field goals during the regular season, and allowing them to leave Cundiff's miss in the past.
"I didn't think about that," Ravens coach John Harbaugh said. "That really was not what went through my mind. I didn't think about that comparison. I thought about the field and whether [Tucker] was going to have his footing. I thought about trying to get the ball to the field if we could, trying to get a few more yards, get a little bit closer. . . .
"I didn't know that. But, we had a lot of confidence in 'Tuck' and really the whole operation. We'd had some issues in protection. They slipped through there a couple of times and got some hands in front of some balls, so we were concerned about that. I just wanted to get close to Ray Rice, because he is a good luck charm. That was the key."
That, and having a kicker that the football players aren't afraid of seeing walk on the field.


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BET will air live coverage of Whitney Houston's funeral Saturday from New Jersey.
Correspondents April Woodard and Lola Oguinake will broadcast "Live: The Homegoing of Whitney Houston" from the funeral, which will be at Houston's childhood church, New Hope Baptist Church, in Newark, beginning at 10:30 a.m. Feb. 18. Another special, "BET Remembers Whitney," will follow.
Houston, who had a very public struggle with substance abuse, died at the age of 48 Saturday after being found submerged in the tub of her Beverly Hilton hotel room by a member of her personal staff.
Here's BET's press release:
The woman, the wonder, the legend ... BET and CENTRIC honor the memory of Whitney Houston with a BET News special LIVE: THE HOMEGOING OF WHITNEY HOUSTON premiering this Saturday, February 18, followed by BET REMEMBERS WHITNEY, a one-hour special commemorating the woman best known as "The Voice."
Beginning at 11:30AM ET/8:30AM PT, BET News and CENTRIC, along with on-air correspondents April Woodard and Lola Oguinake will bring viewers complete live, in-depth coverage of the legendary pop singer's funeral from her childhood church, New Hope Baptist Church, in Newark, New Jersey. Later that evening at 7:00 PM*, BET News correspondent Bevy Smith sits down with confidants and colleagues of the Queen of Pop including Kim Burrell, Kelley Price, Faith Evans, Ledisi, India.Arie, Tisha Martin Campbell and Tichina Arnold to share tender memories of the superstar's greatest qualities as a vocalist, mentor, mother and friend. BET REMEMBERS WHITNEY takes a deeply personal and heartfelt look at one of music's most beloved and renowned artists and recalls the amazing force behind her meteoric rise to superstardom and her uncanny ability to inspire others in a powerful way—whether in the spotlight or far away from the cameras.
Additionally, LIVE: THE HOMEGOING OF WHITNEY HOUSTON will air internationally on Saturday, February 18 at 4:30pm GMT / 6:30pm CAT and BET REMEMBERS WHITNEY will air internationally on Sunday, February 19 at 7:00 PMG MT / 9:00 PM CAT.


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Tuesday, March 22, 2011
A guy from the Toledo Blade had a pretty miserable experience in Kissimmee
Ben Konop had an overall miserable time as the guest of the Houston Astros at their Spring Training facility, in which he wonders if Osceola County Stadium is located in 1982.
2 comments:
that guy kinda seemed like a weiner
- March 22, 2011 at 1:06 PM
- AstroBrit said...
cry me a river, I had to watch
Cammell Laird play Ossett Albion at the weekend.
- March 22, 2011 at 3:55 PM
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To refer to Raystown Lake in central Pennsylvania as one of our country's best-kept secrets would be an understatement. It's an old cliché that gets used more often than it really should when attempting to describe a beautiful area that few people seem to know about. But honestly, there might not be a better way to describe this true "get back to nature" kind of a place, than to call it a hidden gem.
You won't find rows of chain restaurants, large hotel skyscrapers or a Walmart on every corner when entering the Raystown Lake region of The Alleghenies, and that's just one of the major advantages to the area. It's a true outdoor paradise that includes the 29,000-acre Raystown Lake with over 118 miles of shoreline.
However, when looking for the place to experience the best this area has to offer, there is only one must-stop and that's the Lake Raystown Resort & Conference Center, known as the ideal place for a weekend of fun or mid-week retreat.
The Lake Raystown Resort is located between Harrisburg and Pittsburgh in Entriken, Pa., and is set up like a small town where your recreational needs and wants are fully met. The family-owned and operated resort has been running strong since 1984 by offering houseboat rentals, boat rentals, a full marina, sightseeing and dinner cruises on its Proud Mary Showboat, pavilion rentals and catered picnics, a full water park and mini golf and of course plenty of places to stay. Plus recently a large conference center was added as an ideal venue for business meetings for those looking to do a little work away from the office, group retreats or for ultimate family vacations.
Located on 400 acres of beautiful waterfront property, the lake view accommodations for the Lake Raystown Resort range from luxury to rustic that include cabins and villas, plus over 200 campsites that are equipped with electric, water, cable and even Internet. It's the largest man-made lake in Pennsylvania and the Lake Raystown Resort has cornered the market by creating nature's most inviting playground.
Houseboat Heaven
The cottages are inviting, but the best way to experience waterfront property is to rent one of the resort's 60-foot houseboats from its fleet.
The plush houseboats sleep up to ten people in four state rooms, two full baths, and a full-service luxurious galley with full-sized appliances, air conditioning, separate dining area and a spacious family salon. There are stairs to an upper deck where you'll have the best view of the lake and up top there is even a water slide.
The houseboat rental boats are just part of the full-service marina that is one of Pennsylvania's largest. It also has all of the conveniences boating and fishing enthusiasts dream of, including lighted and secure docks with shower and restroom facilities, marina store, laundry, two boat ramps, transient trailer parking, fuel dock with pump-out station and a marina café that is open daily. Besides houseboats, boat rentals include fishing models and pontoons, as well as canoes.
Dining With A View
There are a few different options for dining, including the Marina Café, which is a great restaurant located in the heart of the resort, plus the Bistro Express, and there are even a few convenience stores as well.
The Marina Café offers old-time favorites and creative American fare in a casual setting that overlooks the picturesque marina. Breakfast, lunch and dinner served daily. And to top it all off, the Lake Raystown Resort offers the Proud Mary Showboat cruise, which is a popular way to concluding your evenings as you gaze out at the stars.
A Must-See
Unless you've been to this beautiful and clean resort you can't truly appreciate all that this place has to offer. The Lake Raystown Resort is a paradise, tucked away in the hills of central Pennsylvania that is unlike any place you've ever experienced before, which explains why those familiar with the resort keep returning year after year.
For more information on the Lake Raystown Resort call 814-658-3500 or go to www.raystownresort.com for a complete website that includes online tours, maps and rate information.
For more information on houseboats as well as the other types of crafts offered, call the marina office at 814-658-3500, ext. 176.
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Sweet Whimsy Gift Registry Card
or wishing well card
These cards are ideal for those wishing to advise guests of gift or wishing well ideas. They are printed to one side only on Satin Deluxe card stock, and are perfect for slipping into the envelope with the invitation. Shimmer or Textured card stock is available at an additional charge. For those with extra text, we can print to the reverse for an additional charge. Flat size 68x68mm
from $1.80 ea
including gst


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Option Bot Scam
It's not very often that a product from a small company can make such an impact, but that's exactly what a small UK based agency had done by developing Option Bot. If you've ever looked at making money from your computer and failed, then Option Bot is the answer. If you've ever looked at making money from forex, then Option Bot is the answer, if you've ever wanted to be rich…. Then Option Bot is the answer, and don't for one second think that I'm exaggerating because I'm really not.
You see, I've recently come across this software works along side binary options trading platforms. If you don't know what binary options are, they are a simple for of all or nothing trading, where you just decide if an asset is going to go up or down for a fixed return profit.
The only problem with trading binary options is if you don't know the markets and how currencies perform throughout the day, then in can involve a lot of guess work, but thanks to option bot, not any more. You see option bot uses the worlds most accurate live financial data feed to analyse 2 customisable parameters that the user sets on the software. When both of the parameters occur the software will notify you, so that you know where the next most likely successful trade is to occur.
I've tested Option Bot using 5 different platforms at the same time, and I was able to over $9k in just 2 days and achieved an 83% success rate, which on binary options is pretty much unheard of.
You can download a free 7 day trial from their site today, I assure you this won't disappoint.
For More Information click here
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kminkstein needed a new other design and created a contest on 99designs.
A winner was selected from 33 designs submitted by 8 freelance designers.
New company that needs interesting image of a Dhol. The Dhol drum is played with 2 sticks which we also need designed in the style of the dhol
below are examples of what a Dhol is:
stick examples:
1 larger stick placed to the left of the drum:
1 skinny stick placed to the right of the drum:
: http://www.dholetc.com/dhol_tilli_lg.jpg
12-35 male and female
Looking for a sharp graphic of a Dhol Drum
Nothing too artsy (something more detailed and realistic preferred) but still something bright and with style. See this as an example of the design style we're looking for: http://www.istockphoto.com/stock-il…-conga.php
320x480 pixels
The perspective of the image should be just like this one:
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The Young Alexandrian man whose brutal murder was like a wake up call for the Egyptian society months before 28 January. Just like in 2010 the people went in silent stands in squares and major squares holding banners to remind with Khaled as well other young men who are killed and tortured to death.
|The silent stand at Kasr Al Nil bridge
|Khaled and his brothers(R) and Mubarak and his brothers (L)
There is no big difference now when it comes to Police brutality. The Mubarak legacy lives on.
Just yesterday another citizen was allegedly tortured till death in some police station in Cairo. A quick low to the human rights violations by the police force in time of President Morsi and you will wonder what kind of revolution we had in Egypt.
In the first 100 days of President Morsi's rule , Al Nadeem Center published a report stating that more than 30 torture cases in the police stations by policemen where as 11 cases of torture till death were recorded. These were the first hundred days.
In January 2013 , the center documented 16 torture cases and 3 cases of kidnapping and torture of 3 political activists. Of course in January 4 political activists were tortured till death including Mohamed El Gendy May Allah bless his soul.
In March 2013 the center documented 41 torture cases in police stations as during the protests.
In April 2013 Al Nadeem center documented 51 tortures cases where the suspect are the police and the brotherhood. 24 fatalities were documented including 16 cases with firearms.
In May 2013 we got 74 cases of torture in police stations and prisons.
This is the tip of the ice berg , this is just one human rights center in Egypt.
Of course this is besides the big irony that up till now we can not get back the right of Khaled Said through the courts and law. Oh yes the court has accepted the appeal of Khaled's murderers who were actually convicted of manslaughter. Not only the court accepted the appeal but it released them pending the case. They are now in their homes.
The thing is that after 3 years from Khaled's murder and after 2 years of a revolution that started originally as a protest against Police brutality , people are still dying because of torture in Egypt.
It is good to remind the people in Egypt with the brutality of the Mubarak's regime and his police state especially there is some sick nostalgia for some to these days." You know Mubarak kept the Islamists in chains behind bars feeling you read in the comments in Egyptian social Media"
Parties like Constitution Party and Strong Egypt Party called their members and the public to participate in the stand. The revolutionary socialists and Popular current also participated along other revolutionary movements.
It is a déjà vu but we got new comers from parties joining Khalid's stand, black clothes and protests at security directorates and squares in cities like Alexandria, Cairo, Ismailia, Damietta and Assuit.
|In Assuit
|In Cairo , Sheikh Emad Effat was there
|In Alexandria
|In Damietta
|Khaled , Mohamed El Gundy and Jika
|Moktar , an army solider killed last week in Salloum in strange circumstances
What we wanted in this revolution , the state of law and torture is not part of the law. Of course I will not fool myself , I know that we will reach to this state of law when there is a political will for this. The 25 January will achieve one of its true goals when the ruling regime abandons the police state mentality and the police force becomes the servant of the public for real.


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- Port of Spain
Ports of Call
- Scarborough
- Trinidad (Port of Spain)
Trinidad And Tobago Passport & Visa Requirements
Visa Agencies
Avoid the stress and queues, get a visa agency to arrange your visa.
Travel Visa Pro, San Francisco, USA. (866) 964-5158 or www.TravelVisaPro.com
Travel Visa Pro in UK: +44 (0) 20 3743 3155 or www.travelvisapro.co.uk.
Entry requirements for Americans
US citizens must have a valid passport for the duration of their stay. A visa is not required for a stay of up to 90 days for touristic purposes.
Entry requirements for UK nationals
UK passport holders require a passport valid for six months from the date of entry, but do not need a visa.
Entry requirements for Canada
Canadians need a passport valid for duration of stay but do not need a visa.
Entry requirements for Australians
Australians require a passport valid for duration of stay and a visa for Trinidad and Tobago. A visa can be obtained on arrival.
Entry requirements for South Africans
South Africans nationals require a passport valid for duration of stay, but do not require a visa for stays of up to 90 days.
Entry requirements for New Zealanders
New Zealanders require a passport valid for duration of stay and a visa for Trinidad and Tobago. A visa can be obtained on arrival.
Entry requirements for Irish nationals
Irish nationals require a valid passport for duration of stay, but do not require a visa.
Passport/Visa Note
Passports must be valid for at least the period of the proposed visit. Visitors require documents for return or onward travel and a fixed address for the period of their stay. Since 23 January 2007 all US citizens travelling to and from Trinidad and Tobago by air require a valid passport; this requirement has been extended to include all land and sea border crossings as well. It is highly recommended that passports have at least six months validity remaining after your intended date of departure from your travel destination. Immigration officials often apply different rules to those stated by travel agents and official sources.
The wearing of camouflage clothing, or the possession of camouflage bags in Trinidad and Tobago is illegal for anyone not in the military services. Visitors wearing such items will be asked to change and the camouflage items will then be confiscated. Failure to comply with this rule will result in detention and possible fines.
Note: Passport and visa requirements are liable to change at short notice. Travellers are advised to check their entry requirements with their embassy or consulate.
Become our Trinidad And Tobago Travel Expert
We are looking for contributors for our Trinidad And Tobago travel guide. If you are a local, a regular traveller to Trinidad And Tobago or a travel professional with time to contribute and answer occasional forum questions, please contact us.


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Mastercraft Developments Ltd10 Feedback reviews, 100% positive
Established in 2001 we serve Leeds and the surrounding areas. We specialise in loft, cellar and garage conversions, extensions and complete renovations including kitchens and bathrooms. We are builders who give each job our full attention with the same builders on site... read more
Latest Loft Conversions feedback review:
By sue_miller_97 on 1st Sep, 2018
HBBC (Hebden Bridge Building Company)25 Feedback reviews, 100% positive
We are a family run company that has been established for 40 yrs, covering West Yorkshire and Greater Manchester and London when called on.We carry out work across the whole building spectrum and only use time served craftsmen. read more
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By sue61573 on 1st Feb, 2019
Dixon Conversions ltd3 Feedback reviews, 100% positive
Dixon Conversions ltd specialise in full loft conversions and general building work. We are fair on price and work with customers to give them exactly what they are looking for, making every job the best quality of finishes. read more
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By dennis87796 on 16th Feb, 2019
Kestrel Home Improvements43 Feedback reviews, 100% positive
I am a timeserved joiner with 20 years experience. All the work I undertake is to the highest of standard. I provide a professional service to West Yorkshire and the surrounding area. read more
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By louise19086 on 1st Nov, 2018
PJ BUILDING SERVICES47 Feedback reviews, 100% positive
we offer a full building, plumbing and heating service, we can offer a full plans to completion service for extensions and loft conversions. no job too big or small. we do any type of insurance work. all our surveys and quotations are free. read more
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By robvega on 8th Feb, 2018
Extend Rite Ltd11 Feedback reviews, 100% positive
Extend rite ltd are the Yorkshire leading building refurbishment specialists with a wealth of experience in completing house builds extensions loft and basement conversions kitchen bathroom projects to the very highest standards we work up and down the country to keep our... read more
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By racheladhewett on 19th May, 2017
TBS Construction9 Feedback reviews, 100% positive
General builder with 30+ years experience in all types of roofing & construction. We offer a friendly, reliable service and are happy to supply quotes for jobs big or small. If a project requires, we are happy to work closely with architects, structural engineers and... read more
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AJ Plastering & Building Services45 Feedback reviews, 98% positive
Professional trustworthy ex serviceman with many years of plastering and internal/external building works experience including property refurbishment / development . read more
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4 Ever Build9 Feedback reviews, 100% positive
We are a small building company based in Leeds. We strive on a clinical finish on everything we take on from kitchens and bathrooms to full house plaster re skims. With 12 years experience in a variety of trades we will take any job on from a leaking tap to full house... read more
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Over The Top Lofts1 Feedback review, 100% positive
We specialize in every aspect of loft conversion and extension building, including: structural planning, joinery, plumbing, electrical work, roofing, plastering, building maintenance, window fitting and painting and decorating. read more
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E C Maintenance6 Feedback reviews, 83% positive
I am a hard working family man with good work ethics doing jobs I would be proud to have done to same standards in my own home. I'm fair priced and reliable completing jobs within agrees times.I now have a plasterer and electrician that work along side me when the jobs... read more
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M.R.K Prestige Joinery Solutions5 Feedback reviews, 100% positive
I am a qualified joiner with over 13 years hands on experience and expanding my business. I cover all aspects of joinery to the highest standards. I'm very particular about my work and finish to the finest detail. I will also go the extra mile to make the customer happy... read more
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R M Joinery Service4 Feedback reviews, 100% positive
I am fully qualified apprentice trained joiner who has a good eye for detail and the small things that make a massive difference.I can design and plan any project and work with some of the best quality suppliers in the region. I work closely with other trades men to give... read more
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Transform Developments1 Feedback review, 100% positive
City and Guild advanced trained 30 years experience. We do loft extensions house extensions, fitted kitchens, and most types of joinery works. Doors, stud walls, skirtings, staircase, spindle, and handrail systems, and much more. read more
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CT Joinery and Building Services43 Feedback reviews, 95% positive
CT joinery and building services have many years in the joinery and building trade. With many years of experience in small jobs right through to major conversion and building work putting the customer needs first. If you need it maintaining or building give CT joinery and... read more
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With Tax Increases Kicking In, State Budget Surplus Projected At $101 Million
Christopher Keating
November 30, 2011
With the largest tax increase in Connecticut history kicking in, the state is projected to generate a surplus of more than $100 million in the current fiscal year - finally pushing the state into the black.
While the number might seem surprising after years of major budget problems, the surplus is attributable to the tax increases that started on July 1 - as well as the state income tax hikes that are retroactive to January 1.
The state's fiscal health was discussed in detail Tuesday during the annual joint meeting of the legislature's budget-writing and tax-writing committees in a session that is mandated each year under state law.
The tax increases are expected to continue generating extra revenue into the future.
"We're looking at surpluses over the next five years,'' said Alan Calandro, the director of the legislature's nonpartisan Office of Fiscal Analysis.
But Calandro said he wasn't exactly sure what will happen for the rest of the year because the numbers depend heavily on the ups and downs of the stock market, which severely impact the incomes of millionaires and billionaires in Fairfield County. In the annual compilation by Forbes magazine, the number of billionaires in Greenwich has been growing as some hedge funds have outperformed the overall stock market.
"It's early. The numbers have been fairly static,'' Calandro told a joint legislative committee. "The biggest factor is the estimated and final payments that we don't know about until April.''
The state income tax is the biggest revenue generator by far at $8.5 billion - a stunning number when compared to the numbers of the past. When the state income tax was approved in 1991, for example, the overall state budget was about $7 billion. Now, $8.5 billion of the $20 billion annual budget will be paid through the state income tax as the rates have increased for the state's wealthiest residents under the new law passed by Gov. Dannel P. Malloy and the Democratic-controlled legislature.
Calandro noted that the state income tax is highly volatile - on the high side in the good times and on the low side in the sluggish times.
"We're always off by a large margin, and the challenge is to find out how we can get closer to projecting that,'' he said. "There's a large piece of volatility coming down the road, and that's April 15. We're projecting $100 million [in surplus] now, but that could be different when April rolls around.''
He added, "When we do go into deficit, many times it's a very large deficit.''
And even though the money is now coming in, the state has spent every penny of the "rainy day fund'' for fiscal emergencies and has no cushion in that category.
The state sales tax is the second highest revenue generator at a projected $3.78 billion for the current fiscal year.
Many of the other largest categories are relatively tiny when compared to the income tax. The corporate profits tax will generate a projected $707 million in the current fiscal year, while the cigarette tax will generate $444 million.
While the two Indian casinos in southeastern Connecticut are major centers of employment, the amount that the state receives directly as a percentage of slot machine revenues will be $375 million in the current fiscal year. That is a decrease from the peak for the casinos several years ago - before the national and regional recessions hit the area.
Another factor in the state budget this year and in the future is that 96 percent of state employees decided to join the state's health plan's "wellness'' program in order to avoid the $1,200 in annual penalties if they did not sign up. The state had projected that 50 percent would sign up - a projection that was far off. As such, the state thought it would collect large amounts of money, but that will not happen.
Malloy's budget director, Ben Barnes, says Connecticut is in a far stronger position than New York State.
"We are in much better shape than many states,'' Barnes told legislators. "We did what we had to do. ... We did it while preserving the safety net. I'm not going to say it didn't take a few nicks. ... We did not do this on the backs of local governments.''
He added, "We are operating within the constraints of a very challenging budget. ... We have solved this short-term problem. ... However, we have significant, long-term liabilities.''
Those include large pension payments and health care coverage for state employees who have retired.
"We have major challenges,'' Barnes said. "Some long-term liabilities are OK,'' such as issuing debt to pay for road repairs and capital improvements.
"We are in significant agreement'' with the legislature's fiscal office, Barnes said. "We both see us ending the year with balanced operations. ... We need to bring in more than we put out, and we need to do it over and over again.''
He added, "I don't know what the Consumer Price Index will be three months from now, much less four years.''
The budget is projected to be only $1 million below the state-mandated spending cap - an infinitesimally small number on a $20 billion annual budget. A rounding error could push that number above or below the cap.
"We had two bad years in a row,'' Barnes said of the state sales tax.
The state has added 6,400 jobs since December 2010, which Barnes acknowledged is encouraging but not large.
State Rep. Patricia Widlitz, the co-chairman of the legislature's finance committee, said it is good for the state to be back in the black.
"I'd hate to be one of the states that's in worse shape than us,'' Widlitz said.
Widlitz questioned the "remote sellers tax'' that was proposed by Malloy and was expected to generate $9.4 million per year from Internet sales. But former Lt. Gov. Kevin B. Sullivan, who is now the state's tax commissioner for Malloy, says the state should not expect to be able to collect that money.
"I think, ultimately, you will see a political compromise on a national level that addresses this,'' Barnes said.
"Our preliminary read on sales tax revenues is that we are on target,'' he said, adding that many businesses were closed during the massive power outages across the state from the freak, pre-Halloween storm. From gasoline stations to bagel shops, small businesses were out of power and out of business for a period of time.
"A lot of the sales taxes are driven by automobiles and larger ticket items that are harder to buy online,'' Barnes said.
Sen. Andrew Roraback, a Litchfield County Republican who represents 15 small communities, said that many of the savings in the state employees' deal were not based on calculations by actuaries. Roraback and others have complained that the state will never reach the savings that were projected by Malloy and the unions, saying the numbers were highly exaggerated, unverifiable, and unachievable.
"No, that's definitely not the case'' that the numbers were based on actuarial conclusions, Colandro said.
Roraback noted that the union deal projected $90 million in savings from a well-publicized state employee "suggestion box'' for the current fiscal year, but Colandro said he did not have a list of those projected savings Tuesday. Roraback was also concerned about $166 million in unallocated lapses.
"We've got to find $809,000 a day in order to make the math work,'' Roraback said.
"That's incorrect,'' Barnes interjected, noting there is a list of lapses by agency. "We are compelling state agencies to find those savings, and we are, by and large, finding them.''
Some of the savings comes from keeping positions vacant, rather than suggestions from state employees.
Based on the projections, Barnes said that the state could increase the rainy day fund "without raising taxes over the next few years.''
Sen. Rob Kane, the ranking Senate Republican on the budget-writing appropriations committee, said he, too, was concerned about the unallocated lapses that Sen. Roraback had been concerned about.
The informational hearing ended at about 3:30 p.m. Tuesday.
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Joe Z needed a new t-shirt design and created a contest on 99designs.
A winner was selected from 78 designs submitted by 26 freelance designers.
T Shirt Design revolving around SeaDooForum.com. No more than 3 colors.
SeaDooForum.com is an online community dedicated to the Sea Doo entheusist. We have members from all over the works, mostly though centered on the US. To get more of a feel, please visit SeaDooForum.com.
- Creative design with 3 colors (white bg)
- A shade of blue needs to be one of the colors
- White does not count as a color
- A shirt that could be worn boating and look appropriate
- Design must clearly display URL
- Be Creative!
- A design that cannot be easily printed on a shirt
- Boats on the design that are NOT a seadoo or seadoo boat


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The Tug of War With Airlines for Refunds
Flights get canceled, people get bumped out of first class seats and airlines are on the hook for refunds to customers. But airlines set the price, and the refund amount is often shockingly small. Scott McCartney discusses when customers usually get burned. Photo: AP.
This transcript has been automatically generated and may not be 100% accurate.
... I ... back to lunch break I'm Wendy downs based ... on a year to pay extra for multiple bags and canceling a flightless can cost you two ... now airlines are nickel and diming customers on Wi Fi is ... here with the D tells of how and why the reimbursements can be so poultry is our Middle Seat columnist Scott McCartney says Scott I spent it ever was a Sunday to justify the name of your column it's this one when you say the flies are getting squeezed on refunds ... spouse leaves are we talking about ... truly ... shocking and it's it's on travelers the traveler who went from guilt ... or out of the Belfast Northern Ireland ... fourteen hundred dollar ticket United cancel the last leg of the trip from Denver to bail ... is that when you get a refund on the fly UK ground transportation on rent and waited and ... it did ... they expected hundred and two hundred dollars back on on that it did in United credited back twenty seven dollars ... or more ... it's their ... situation where ... to people traveling on first class tickets and then bought for thirty nine dollars across the country ... did they actually ended up getting first class only ... half that on ... the trip because of US Airways problems ... um that this is where the ... text or for a first class ... and five ... dollars that US Airways said that one hundred and two dollars ... so what are the airlines that doesn't ... mean justifying these amounts to the travelers and one and they say when news of them Scott ... it will be a airlines refund based on their own internal calculations ... and it's it's really pretty tricky ... in that case and the International Trade good portion of that there is little on by United as ... a fuel surcharge ... and so they don't calculated in calculating that ... the core of the fair ... when they did the refund they also internally ... designed ... and painted the chair from Vale was only worth forty dollars ... round trip ... and you can buy a ticket for that but ... but that's how they forcing internally when your when you do in connecting trapped ... in a ... made in China by your boss fair for that maybe ... yes that yes it is the amount that you get the downtown Denver for that and so I ... think from the airport Scott and I know that some new regulations that I have sold some refund burden for instance within this twenty four hour period by the people to take it came to mind the next twenty four hours ... you will get a refund in that case is that correct ... yes that's correct and that's it it's a change in the U S government put through on within the last two years and there are lots of pounds in refunds ... said the situation where ... you make it ... and he realized yet made a mistake or I wanna change my mind or when Jack was somebody and and and strong within the first twenty four hours ... of live their lives is to try it you would change me ... for doing that ... when the government said no need to get people twenty four hours to ... see change much he can do that for free ... indeed in the government also puts or regulations is that the airline loses your bank may ... read from the backseat ... because airlines where the word resigned in bank fees on lots that's ... been on the refund delay that he still didn't put the bag is completed last ... it's a big government regulation to force them to get about twenty five dollars ... says that when her dog got back from the moment though clearly un happy with the type of refund it that he heard isn't gonna stick it where consumer suppose to do if they if they cant ... that they're unhappy with their refund and how can they bark at the airline and get them to give them more money ... was it was great ... a you know it in a key thing is the document everything if you buy a first class ticket I think it's worthwhile to pronounce ... the comparable coach ticket would be for that one ... so you have some documentation on certainty he conceded ... that your first class seat ... for whatever reason it's the airlines also you've got a stronger case on its early enough complaining I had been complaining to the Department of Transportation in these situations ... is good your complaint gets more attention and airlines when you do file a complaint with the D C ... The and ... that is the DNC get some fodder for aam possibly future ... actions against airlines as they see on mounting problems in the refund area ... and I Scott McCartney thanks so much for that


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The universe was created with purpose and reason; and modern science with all of its experiments, exploration, and sophistication has never proven otherwise. In fact, as author Dr. Danny Faulkner makes plain, advanced science argues more for a created cosmology than a big bang. Written for the upper-level student through the well-read layman, Universe by Design explores the universe, explaining its origins and discussing the historical development of cosmology from a creationist viewpoint.