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Most people don't buy a home every day -- it's a once-or-twice-a-decade activity for many of us as opposed to a day-in-day-out activity.
So when you start getting serious about buying, whether it's your first home or your fourth, it's easy to feel overwhelmed pretty quickly. Some parts of the process (like searching for a home) have recently become more accessible through technology, but when every buyer has access to the same technology and resources, it's tough to stand out in a crowd of showing, bids and contracts.
And there's a lot more to the journey than just finding the home: You need to figure out financing, negotiate on price and possibly request repairs or make concessions, get the home appraised and inspected, and make sure all the i's are dotted and t's are crossed by the time you sit down at the closing table to sign your name on a stack of paperwork.
That's why a real estate professional can be an indispensable resource for buyers -- unlike most of us, real estate professionals do manage home sale transactions every day, and they can serve as a guide on the buyer's journey, ushering you from Base Camp "I Think I Want To Buy A House" to Summit the mountain of "I'm A Homeowner," step by step.
Here are just a few of the ways a real estate professional can help smooth your home buying path.
Getting pre-approved by a lender
Instead of paying rent to the owner of your residence every month, as a homeowner, you'll be paying back a bank for the money you borrowed to buy your own place.
But before you get there, you need to find that bank and secure that loan. Where do you start that process?
A real estate professional is one good place -- agents work with an array of local loan officers representing different lenders, and depending on whether you're a veteran, your down payment size, your credit score, and a number of other factors, a good local agent will know which lender (and loan officer) might be the best fit for you.
The right loan officer will explain your financing options and help you drill down to the real nitty-gritty, like the size of the monthly mortgage payment that's affordable on your current income, what you should expect in terms of closing costs, and whether the down payment amount you've saved is going to cut it.
Agents can also explain what to expect during the mortgage loan application process, what you should know about transferring money during the sale, why it's important to review certain documents -- and they can usually even attest to whether certain lenders have parameters that might be better for one type of home instead of another.
Choosing a home
Many buyers (mistakenly) think that they don't need an agent's help finding a home. They know what they want, and they know how to search the internet -- what's the point of hiring an agent?
Here's the thing: You might not need any assistance when you're picking out a car, but there is no consumer report that exists for the specific home you're about to spend 30 years paying off.
What if you're someone who thrives on direct sunlight and your "dream home" happens to be located by a hill that's going to cast it in shadow half the year?
What if you can't sleep when airplanes are flying overhead and your soon-to-be home is in a major airport's flight path?
What about the schools? What about the amenities? How do homes in that area hold their value -- can you expect this investment to appreciate in the next few years, and by how much?
Cars come off an assembly line; homes do not. Whether it's the condition of the home or the neighborhood around it, you don't want to be unpleasantly surprised once you move in.
A real estate professional has seen other buyers make mistakes (and find gems) and can help you find a home that you still love two or three (or ten!) years down the road.
Making an offer
This can be one of the most nerve-wracking parts of the process for buyers. Because even if you love the home and are making an offer at the very top of your budget … there is no guarantee that the seller will think it's worth accepting. You could wind up starting all over again on the home search process.
Real estate professionals can help you do more than make an unsophisticated stab in the dark when it comes to offers -- they can show you data that will help you understand whether you're likely to be underbidding or overbidding, for example, such as the recent sales prices of similar homes nearby, the price-per-square-foot range in the neighborhood, and much more.
This is really where the home sales rubber meets the road. If your offer is high for the market, the seller may leap at it … but you'll always wonder if you could have gotten a better deal. And if your offer is low, you should understand that so you won't feel offended or put-out if the seller comes back with a counter-offer.
You did it! You found a home you love at a price you can afford, the seller accepted the offer, and now all you have to do is sit back, relax and enjoy the closing process. Right?
OK, that's not exactly true. Even the simplest real estate sale involves quite a few mandated hoops that must be jumped through -- like the inspection, the appraisal, title review, and more.
In some states, a title company manages the closing process; in others, a lawyer is involved. But the negotiation isn't over yet, not by a long shot.
What happens if the inspector finds an issue with the home that must be addressed before the sale is legal? Who will pay for those repairs -- you or the seller?
And what can you expect in terms of finalizing the loan and moving your down payment or earnest money from your account to the sellers? What should you look for during the final walk-through?
An agent can lay out a roadmap from offer acceptance to keys-in-hand and make sure you're staying on track ... which can feel like a lifesaver to a buyer drowning in details.
… And beyond!
When you're all moved in and settling down, you'll probably discover some upgrades you'd like to make and work on shaping your home to fit you instead of the previous owner.
Your real estate professional already knows your house (and the neighborhood), so why not reach out when you're considering adding a deck or redoing a bathroom? They can help you figure out which improvements are timeless and will increase your home's value versus quickly dated trends that you might have to redo again before you sell.
And that's not all -- your agent probably knows people in the neighborhood, from home service providers like plumbers and electricians to lifestyle service providers like day-care operators and pet sitters. If you need a recommendation, ask your agent!
Buying a home goes well beyond finding one for sale on the internet. Buyers who use the services of a real estate professional find the process more enjoyable and less stressful -- and they also have an advocate to negotiate tirelessly on their behalf.


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Chiropractic For Children
Why would a child have a spine and nervous system problem? Traumatic births. Learning to walk. Slips. Falls. The list is endless. Yet, because children have such an adaptive capacity, these problems are often brushed off as "growing pains" or just a "phase they're going through."
"As the twig is bent, so grows the tree."
Many patients report that chiropractic care has been helpful for colic, ear infections, erratic sleeping habits, bedwetting, scoliosis, "growing pains" and many other common childhood health complaints.
The concern that many parents have is that chiropractic adjustments will be too forceful. They mistakenly think that their child will receive adjustments like ones they receive. Not only are adjusting techniques modified for each person's size and unique spinal problem, an infant's spine rarely has the long-standing muscle tightness seen in adults. This makes a child's chiropractic adjustments gentle.
Knowing exactly where to adjust, newborns and infants are adjusted with no more pressure than you'd use to test the ripeness of a tomato. Many parents have commented that they see almost instant improvements in the well-being of their child.

subset: commoncrawl


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New Orleans Pelicans Neon Clock
NBA1400-NOP- Description
Every game room, garage or man cave could use the addition of a New Orleans Pelicans Neon Clock. So why not add one of the highest grade clocks on the market to your collection?
This impressive clock has not just one but two neon rings.
It has an accent colored neon ring on the exterior and a brilliant white neon ring on the interior of the clock to light up your favorite logo.
Other highlights include chrome finished resin housing and a high grade glass clock face cover.
The battery operated quartz clock mechanism will keep your new prize precise and ticking for a long time, while the neon runs off the included AC adapter.
The neon is controlled by the pull chain and the back of the clock includes a wall hanging mount.
The 3 inch depth of this clock combined with the radiant shimmer of the neon reflecting off the chrome housing is sure to make this clock pop off of any wall.
Bring style and function to your game room,garage or collection with an New Orleans Pelicans Neon Clock.
High Grade Glass Cover
High Polished Chrome Finish
Molded Resin Housing
Battery Operated Quartz Clock Mechanism
Requires 1 AA Battery for Clock Operation (Not Included)
AC Power Adapter with 6 ft. Cord
Dimensions: 3 x 14.5 x 14.5 inches
- Reviews
- Warranty
- Warranty Information for New Orleans Pelicans Neon Clock
The New Orleans Pelicans Neon Clock carries a 90 day manufacturer's warranty against defective parts. - Shipping
Shipping Information for New Orleans Pelicans Neon Clock
Please allow one to two weeks for delivery via UPS.
The New Orleans Pelicans Neon Clock will typically ship out within 2-3 business days.


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OTR Bagel Bar's house-made fresh herb cream cheese, available in 2oz and 8oz sizes.
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Pickup at the market Tuesday-Friday!
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We care about your experience! Have questions or concerns? Call or text us at +1(513)744-8010.
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Cartilage Repair and Transplantation
Articular Cartilage is the white tissue lining the end of bones where these bones connect to form joints. Cartilage acts as cushioning material and helps in smooth gliding of bones during movement. An injury to the joint may damage this cartilage which cannot repair on its own. Cartilage can be damaged with increasing age, normal wear and tear, or trauma. Damaged cartilage cannot cushion the joints during movement and the joints may rub over each other causing severe pain and inflammation.
Cartilage restoration is a surgical procedure where orthopaedic surgeons stimulate the growth of new cartilage that restores the normal function. Arthritis condition can be delayed or prevented through this procedure.
Several techniques are employed for cartilage restoration including dietary supplements, microfracture, drilling, abrasion arthroplasty, osteochondral autograft, and allograft transplantation.
Dietary supplements: Dietary supplements such as glucosamine and chondroitin are the non-surgical treatment options for cartilage restoration. Chrondroitin sulphate and glucosamine are naturally occurring substances in the body that prevent degradation of cartilage and promote formation of new cartilage. Chrondroitin sulphate and glucosamine obtained from animal sources are available as over the counter products and are recommended for cartilage restoration. Apart from these various other nutritional supplements are also recommended such as calcium with magnesium and vitamin D as a combination, S-Adenosyl-Methionine and Methylsulfonylmethane.
Microfracture: In this method numerous holes are created in the injured joint surface using a sharp tool. This procedure stimulates healing response by creating new blood supply. Blood supply results in growth of new cartilage.
Drilling: In this method a drilling instrument is used to create holes in the injured joint surface. Drilling holes creates blood supply and stimulate growth of new cartilage. Although the method is similar to microfracture, it is less precise and the heat produced during drilling may damage other tissues.
Abrasion Arthroplasty: High speed metal-like object is used to remove the damaged cartilage. This procedure is performed using an arthroscope.
Osteochondral Autograft Transplantation: Healthy cartilage tissue (graft) is taken from the bone that bears less weight and is transferred to the injured joint place. This method is used for smaller cartilage defects.
Osteochondral Allograft Transplantation: A cartilage tissue (graft) is taken from a donor and transplanted to the site of the injury. Allograft technique is recommended if larger part of cartilage is damaged.
Autologous Chondrocyte implantation: In this method a piece of healthy cartilage from other site is removed using arthroscopic technique and is cultured in laboratory. Cultured cells form a larger patch which is then implanted in the damaged part by open surgery.
Osteoarticular transfer system (OATS): Osteoarticular transfer system (OATS) is a surgical procedure to treat isolated cartilage defects which usually 10 to 20mm in size. The procedure involves transfer of cartilage plugs taken from the non-weight bearing areas of the joint and transferring into the damaged areas of the joint.
This procedure is not indicated for wide spread damage of cartilage as seen in osteoarthritis.
The procedure is usually performed using arthroscopy. During the procedure the plugs taken are usually larger and therefore only one or two plugs are needed to fill the area of cartilage damage. The area of damaged cartilage is prepared using a coring tool which makes a perfectly round hole in the bone in the area of damage. The hole is drilled to a size that fits the plug. Next the plug of normal cartilage is harvested from a non-weight bearing area of the knee, is then implanted into the hole that was created in the damaged area. The size of the plug used should be slightly larger than the hole so that it fits into the position. This procedure allows the newly implanted bone and cartilage to grow in the defected area.
Possible complications of OATS include donor site morbidity causing pain, avascular necrosis, and fracture. Other complications such as hemarthrosis, effusion and pain may also occur. Following OATS rehabilitation is recommended by use of crutches and limiting the range of motion.


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(A6) Keyboard Gymnastics Technic Chart I
(A6) Keyboard Gymnastics Technic Chart I
Trust in our friendly, professional staff of musicians who expertly inspect, adjust, and care for our inventory.
Our professional photographer captures high-resolution images of each instrument, providing you a detailed look so you can be confident in your purchase.
Need advice from an actual musician? Our online sales support line is at your service. Call us at 801-798-7650, and we'll provide firsthand insights about any instrument.
We meticulously clean, tune, and prep your new instrument before securely repacking and shipping it to your doorstep.
Experience positivity and warmth, regardless of your budget. Become part of the Boothe Music family today.


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This premium domain name is available for purchase!
When buying or leasing foodshop.be, our partner Dan.com protects your transaction through a careful domain ownership transfer process. Buy or lease with confidence now.
Pick the price that matches your budget:
After the first payment:
Fill out your offer for foodshop.be below, to get in touch with the owner of this domain name.
With this form, we collect your name and contact information so that we can process your inquiry. Please refer to our privacy policy to learn about how we protect and manage this data.


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Free 2nd Class Delivery On All UK Orders Over £10
Cross Reading Glasses
About Cross Reading Glasses
Born from extensive market and trend research, these Cross reading glasses are as smart as they are stylish. Cross developed this next generation collection with an eye to the latest trends in frame design. The line features flattering looks crafted from thin lightweight polycarbonate for easy wear. They are scratch and shock tested for maximum durability.
Mix of fresh and classic colors and finishes
Scratch-resistant polycarbonate lenses and frames
Small lion icon on temples to serve as the new sign of quality
Ultra-thin. Lightweight. Strength tested. Shock and scratch resistant
Enhanced aspheric lenses come in for popular diopters: 1.0, 1.5, 2.0, and 2.5


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Our Properties
Our spaces are designed for experiences
With a mix of inspired indoor and outdoor environments that prioritize health and productivity in both business and in life. Our footprint totals more than 24 million SF, and spans from Greater Philadelphia to Washington, D.C. and Austin, TX.
Our Properties
Main Street Piazza
Piazza Offices at Main Street
Voorhees, NJ 08043
United States
Leases available
- Office (All)
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Unmatched Service & Tenant Experience
Customer service and satisfaction are the cornerstone of our 25+ years of success.
Our dedicated in-house team of seasoned professionals are equipped with Brandywine's comprehensive hands-on training program ranging from customer service to quality system implementation and crisis management, and access to expansive resources and professional development opportunities that empower them to live out the highest standards of excellence across every aspect of our operations.
Our team's hard work is regularly recognized by leading industry organizations, most recently, earning Brandywine a 2020 Kingsley Excellence Award for exceeding measures of overall tenant satisfaction in areas such as safety, inclusion and appreciation, a seamless leasing and move-in experience, maintenance, and outstanding & personalized customer service.
We strive to anticipate future demands, and introduce new shared services and products for all tenants across our portfolio, such as BEX Touchdown Spaces—innovative co-working environments with market-leading amenities including a fully-stocked kitchen and advanced AV equipment, as well as BEX Park—our in-house parking management solution that delivers best in-class safety, convenience, and customer experience throughout our owned and managed parking facilities. We stay connected to our tenants through Brandywine Connect, an exclusive online tenant resource system providing a number of value-add services.


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Cremation Memory Stones 4 (set) Ashes InFused Glass 1 inch pocket stones in Velvet Bag
Cremation Jewelry Ashes InFused Glass Handmade Cremation Memorial Glass Art, Cremation Jewelry, Cremation Glass Sculptures, Cremation Wind Chimes, Cremation Sun Catchers, Glass Candle and Mantle Displays, Military Memorials and more. All Special Designed with Cremation Ashes Infused into the Glass.
Human and Pet Cremation Ashes, Hair, Flowers,Placenta, Beach Sand, Soil InFused
Contact me to design your own custom cremation memorial. Imagine the cremation ashes of your loved one captured forever into an unbelievable work of art. Infused into glass that can be handed down from generation to generation. What better way to capture the spirit of your loved one. I create one-of-a-kind works of art and jewelry that Infuses your loved one forever into glass.
Connecting is Everything! It is important while designing your custom memorial that I can feel connected with you and the spirit being honored. I would appreciate a copy of a photo and any other information that would help with the creation of your one-of-a-kind memorial. I am very respectful of spirit and light candles when they arrive. I hang pictures in studio and like to play music that you request. I sincerely strive to make this emotional decision a warm and comforting experience. I am on my own journey through grief. I have only one mission and that is to honor spirit. See Ash Collection Page
Ash Collection Kits with purchase. Ships to you with instructions How much ashes do I need? Just a pinch. 1 small nickel size amount of the powered ashes can make 10 rings and pendants. Buyer ships ashes at own risk. See Ash Collection Page Above
Studio Schedule Your work is scheduled in 10 day studio blocks. first come first serve from the time i get your ashes. Most small items take exactly 7 studio days to finish and mail back to you in your studio block. Excluding Holidays and Busy Seasons I am always available if you have any concerns or questions via email. email@example.com All messages go to my phone.
Shipping includes insurance. insurance is based on the value of the items ordered. I will refund your shipping overages after purchase. USPS Priority Mail 2-3day/15 international. Shipping on all cremation art and jewelry includes insurance and tracking. insurance not applicable outside of U.S. Shipping including handling. contact me to combine shipping in a private listing.or if you have problems during checkout.
Care Jewelry all come with a repair and replacement plan, Rings include a uncut replacement stone. Stones are mounted with a high quality glass metal epoxy. Buyers responsible to save the backup uncut stone and some ashes for repairs and replacement..Cleanings and Stone Polishing also Available .
Buyer wears any of my Jewelry at your own risk.


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Last week Sport Chek sent me a $100 gift card. They said I could give it away to whomever I chose.
So here's how it'll work. It's nearly the time of year where people resolve to improve aspects of their lives. Leave me a comment with something you're hoping to do better and if your resolution is a SMART one, you'll be entered into a draw for the gift card. I'll post the winner at the end of tomorrow's blog post and if you send me your address, I'll mail you the gift card.
Remember, SMART goals are specific, measurable, attainable, relevant and realistic, and time-bound, meaning a goal to "exercise more" won't qualify, whereas a goal to walk, 3 days a week, for 20 minutes, over lunch hours, for a month - would. Similarly a goal to "eat healthier" won't cut it, whereas a goal to eat out fewer than 3 times per month for the next two months would.
I realize that Sport Chek's a Canadian retailer so international readers - sorry - but feel free to leave your own resolutions in the comments and simply make note of the fact you're not from Canada.
[Special Ottawa bonus giveaway - I have 12 leftover Halloween coupons valid for a free admission to the Walter Baker Centre for a swim or a skate. They're at my front desk (575 West Hunt Club, Suite 100) and they'll be first come first served to pick up with the limit being the number of kids in your family - when they're gone, they're gone]


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<> is made by a non-profit association, independent from the industry. It is made for all, by all, and it is funded by all. You can support our work by donating to Open Food Facts and also by using the Lilo search engine.Thank you!
Open Food Facts is a collaborative project built by tens of thousands of volunteers and managed by a non-profit organization with 3 employees. We need your donations to fund the Open Food Facts 2021 budget and to continue to develop the project. Thank you! ❤
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Call To Have Words With Our Experts
Kumar Magnet Industries has been consistently engaged in improving the quality of the products for over so many years. As one of the best Magnetic Separator Manufacturers in Jagdalpur, we never afraid of challenges and perform every action precisely to offer versatile products through our manufacturing excellence. We take care of our customer queries and fulfil them within a mean time possible.
Our products are advanced and designed as per the industry standards to meet the need of the customers. Whether it is Over Band Magnetic Separator, Magnetic Plate or Magnetic Pulley and Magnetic Drum Separator in Jagdalpur, we have all the products available under our brand name. We always stood by our clients to set and reach new milestones that increase the credibility of our company among the customers.
As one of the prominent Permanent Suspension Magnet Exporters and Magnetic Destoner Suppliers in Jagdalpur, we attract customers with the quality and features of our products and our competitive pricing and customer support. You can contact us to speak with our experts. We'll be glad to hear out your requirements and deliver you desirable solutions.
Searching For Permanent Suspension Magnet Manufacturers? Look Here
Nowadays, there is a huge market for Permanent Suspension Magnet, thanks to its durable construction and dependable performance. But before you invest, do you know a few significant points related to it? If not, being one of the best Permanent Suspension Magnet Manufacturers, we have clarified a few details here.
What Is A Permanent Suspension Magnet?
A Permanent Suspension Magnet is used for removing iron impurities from bulk materials, moving on a conveyor belt. It separates the non-ferrous material from tramp metal and keeps the product free from contamination.
Why Is Permanent Suspension Magnet Demanded?
Permanent Suspension Magnets' durable body and dependable performance ensure a deep magnetic field and powerful performance. Being available in multiple sizes and dimensions, offered system is easy to handle and maintain in the long run. Its purpose is to ease your work, boost your working efficiency and overall productivity while ensuring product safety and purity. Therefore, it is nowadays so in demand.
Where To Buy Permanent Suspension Magnet In India?
The market is full of options, and there are many companies out there offering Permanent Suspension Magnet. But when it comes to investing in such a heavy built solution, you have to be extra careful. We are not bragging, but we are one of the best Permanent Suspension Magnet Manufacturers in India. Our credibility in the market is because of the comprehensive range, customized designs, unmatched performance and competitive pricing. Other than that, we also deal in Magnetic Separator, Suspension Magnet, Magnetic Drum Separator, Vibrating Screening Machine, Hump Magnet, Vibratory Feeder, Eddy Current Separator and Neodymium Magnet etc. So, what are you waiting for now? Contact us.
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We bring high power magnets appreciated for their features and robust design. Our magnetic separators are known for their extreme magnetic force and efficiency.
Fill the enquiry form to get direct assistance from the experts.
Copyright © 2021 Kumar Magnet Industries | All Rights Reserved . Website Designed & SEO By Webclick® Digital Pvt. Ltd. Website Designing Company India


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Last modified: October 21, 2019


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pKiss is a tool for folding RNA secondary structures, including two limited classes of pseudoknots.
As pKiss is the successor of pknotsRG, the first pseudoknot class is the canonical simple recursive pseudoknot from pknotsRG. The new class are canonical simple recursive kissing hairpins.
To retain the fast runtime while adding the more complicated kissing hairpin class, we heuristically construct a kissing hairpin from an overlay of two canonical simple recursive pseudoknots. By applying this trick, we loose a bit thoroughness. Due to our evaluations, performance is still very good. Should you feel uncomfortable with this situation, pKiss offers three more strategies to compute kissing hairpins. These strategies are either slower or consume more memory. We strongly suggest using Strategy A. See the manual for details.
Author: S. Janssen


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Please note that online images may not always accurately represent the true color and texture of the ceramic due to variations in brightness and screen calibration. To make an informed decision, we strongly encourage you to visit our store in person where you can see and feel the actual samples with the assistance of our experts. Please note that the chosen material could be discontinued. Feel free to contact us to learn more.
Color :
Application :
Wall & Floor
Size available (inch) :
11.8 x 23.6
23.6 x 23.6
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Auto insurance protects you against financial loss if you have an accident.
A standard policy insures the home itself and the things you keep in it.
Discover the perfect insurance options to meet your specific and unique needs.
Learn about different health coverage options that fit your specific needs.
Finding insurance doesn't have to be difficult. We do the work for you.
Browse a variety of insurance options in order to find the right one for you.
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z RATEThe cost of a unit of insurance, usually per $1,000. Rates are based on historical loss experience for similar risks and may be regulated by state insurance offices.RATE REGULATIONThe process by which states monitor insurance companies' rate changes, done either through prior approval or open competition models. RATING AGENCIESSix major credit agencies determine insurers' financial strength and viability to meet claims obligations. They are A.M. Best Co.; Duff & Phelps Inc.; Fitch, Inc.; Moody's Investors Services; Standard & Poor's Corp.; and Weiss Ratings, Inc. Factors considered include company earnings, capital adequacy, operating leverage, liquidity, investment performance, reinsurance programs, and management ability, integrity and experience. A high financial rating is not the same as a high consumer satisfaction ratingRATING BUREAU The insurance business is based on the spread of risk. The more widely risk is spread, the more accurately loss can be estimated. An insurance company can more accurately estimate the probability of loss on 100,000 homes than on ten. Years ago, insurers were required to use standardized forms and rates developed by rating agencies. Today, large insurers use their own statistical loss data to develop rates. But small insurers, or insurers focusing on special lines of business, with insufficiently broad loss data to make them actuarially reliable depend on pooled industry data collected by such organizations as the Insurance Services Office (ISO) which provides information to help develop rates such as estimates of future losses and loss adjustment expenses like legal defense costs. REAL ESTATE INVESTMENTSInvestments generally owned by life insurers that include commercial mortgage loans and real propertyRECEIVABLESAmounts owed to a business for goods or services provided.REDLININGLiterally means to draw a red line on a map around areas to receive special treatment. Refusal to issue insurance based solely on where applicants live is illegal in all states. Denial of insurance must be risk-based.REINSURANCEInsurance bought by insurers. A reinsurer assumes part of the risk and part of the premium originally taken by the insurer, known as the primary company. Reinsurance effectively increases an insurer's capital and therefore its capacity to sell more coverage. The business is global and some of the largest reinsurers are based abroad. Reinsurers have their own reinsurers, called retrocessionaires. Reinsurers don't pay policyholder claims. Instead, they reimburse insurers for claims paid. RENTERS INSURANCEA form of insurance that covers a policyholder's belongings against perils such as fire, theft, windstorm, hail, explosion, vandalism, riots, and others. It also provides personal liability coverage for damage the policyholder or dependents cause to third parties. It also provides additional living expenses, known as loss-of-use coverage, if a policyholder must move while his or her dwelling is repaired. It also can include coverage for property improvements. Possessions can be covered for their replacement cost or the actual cash value that includes depreciation.REPLACEMENT COSTInsurance that pays the dollar amount needed to replace damaged personal property or dwelling property without deducting for depreciation but limited by the maximum dollar amount shown on the declarations page of the policy. REPURCHASE AGREEMENT /'REPO'Agreement between a buyer and seller where the seller agrees to repurchase the securities at an agreed upon time and price. Repurchase agreements involving U.S. government securities are utilized by the Federal Reserve to control the money supply. RESERVESA company's best estimate of what it will pay for claims.RESIDUAL MARKETFacilities, such as assigned risk plans and FAIR Plans, that exist to provide coverage for those who cannot get it in the regular market. Insurers doing business in a given state generally must participate in these pools. For this reason the residual market is also known as the shared market. RETENTIONThe amount of risk retained by an insurance company that is not reinsured.RETROCESSIONThe reinsurance bought by reinsurers to protect their financial stability.RETROSPECTIVE RATINGA method of permitting the final premium for a risk to be adjusted, subject to an agreed-upon maximum and minimum limit based on actual loss experience. It is available to large commercial insurance buyers. RETURN ON EQUITYNet income divided by total equity. Measures profitability by showing how efficiently invested capital is being used.RIDERAn attachment to an insurance policy that alters the policy's coverage or terms. RISKThe chance of loss or the person or entity that is insured.RISK MANAGEMENTManagement of the varied risks to which a business firm or association might be subject. It includes analyzing all exposures to gauge the likelihood of loss and choosing options to better manage or minimize loss. These options typically include reducing and eliminating the risk with safety measures, buying insurance, and self-insurance.RISK RETENTION GROUPSInsurance companies that band together as self-insurers and form an organization that is chartered and licensed as an insurer in at least one state to handle liability insurance.RISK-BASED CAPITALThe need for insurance companies to be capitalized according to the inherent riskiness of the type of insurance they sell. Higher-risk types of insurance, liability as opposed to property business, generally necessitate higher levels of capital.
Insurance Websites Designed and Hosted by Insurance Website Builder Glossary content provided by Insurance Information Institute and ITC


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Always in search of new ways to enjoy good and healthy meals in a fun an innovative way, I decided to bring back a much forgotten vegetable into my kitchen - kale. In Germany kale is eaten quite often as a side to hearty meat dishes, however, my eating experience of kale here was mostly a squishy slop of green tasteless mush. It was not until a few years ago that I decided to bring this superfood into my kitchen and experiment with it.
Flavor combination means a lot and I often enjoy putting together ingredients that might seem unusual at first, but often these ingredient combinations complement each other so well, bringing out a new harmony of aromas. I was glad that I gave this incredible leafy vegetable a go in my kitchen, since then we're enjoying it in several new and exciting ways. By no means in the form of tasteless slop we might see at certain dining places.
This particular dish is one of our favorite kale recipes, which we enjoy simply with steaming bowls of rice. However, it also makes a great side to fish or meat dishes too.
I have fused flavors from the Middle Eastern and Persian cuisine giving a unforgettable blend of tangy and herby aromas. Lime really puckers up the entire dish, while the Aleppo pepper adds a robust kick.
Giving the whole dish a lovely body are the addition of kidney beans, which provides a good source of protein and fibre, not to mention texture. Finally dried curry leaves and dill rounds up the kale and beans for a delicious bite.
This dish epitomizes everything cooking means to me. It's a balance of flavors and combinations. It's also about thinking out of the box and trying ingredients that are not always paired together, about bringing back forgotten items and creating a new dish and finally about eating healthy.
We enjoyed this with a equally flavorful garlic tomato rice, which is so easy to prepare you might think I am pulling your leg. But I am not!
Returning from my break I was greeted with some great news. For most of you it's already old news and I thank you for leaving your best wishes and congratulations in the comments of this post. However, if anyone does not know by now - Times Online honored the top 50 best food blogs worldwide and What's For Lunch, Honey? was selected as one of the 50! I am in great company and many of the blogs on the list are not only a source of inspiration for me but have become my blogging friends over the past 3 years of blogging. I thank Manisha, Deeba, Jeanne and Tanna, who all sent me excited mails informing me about the achievement. I also thank Nick W. and Andrea P. for including What's For Lunch, Honey? as part of this extremely talented group of bloggers. But most of all I thank you, my readers, for keeping me motivated and inspiring me everyday. Without you this blog would be half as good and half as much of fun. So, I share the honor with you.
Recipe: Lime Kale with Beans and Dill
Printable version of recipe here.200g canned kidney beans, rinsed and drained
500g Kale, washed, drained and coarsely chopped
1 teaspoon cumin seeds
1 teaspoon black mustard seeds
1-2 teaspoons Aleppo chili powder - substitute with cayenne pepper
4 garlic cloves, finely chopped
15-20 dried curry leaves
8 tablespoons dill, finely chopped
6 tablespoon natural yogurt
2 limes, 1 zested and both juiced
Salt and pepper
3 tablespoon canola oil
- Heat the oil in a wok to medium-high. Add the cumin and mustard seeds and sauté. As soon as they begin to pop add the garlic and curry leaves. Stir.
- Add the kale and dill to the wok and stir-fry until the liquid (if any) from the kale has evaporated.
- Stir in the yogurt and continue to stir until it has incorporated well with all the other ingredients. Reduce the heat to low, then add approx. 300 - 350 ml water, Aleppo chili and salt and pepper to taste. Stir well.
- Pour the juice and the zest of the limes. I also threw in the whole squeezed limes into the wok and it gives it a fantastic aroma.
- Add the kidney beans and stir well. Allow the mixture to come to a gentle boil, then cover and simmer for 10-15 minutes.
Serving Tips:
- If you prefer this a little dryer by all means add less water.
- We enjoy this mostly with rice, however if you are making this dryer then it would be perfect with flat breads like whole wheat pitas or whole wheat tortillas.
This is not your usual way of preparing rice, but it's easy and can be made quickly used up leftover rice. However, I personally love this rice dish so much that I always prepare the rice fresh. The rice is cooked/steamed as you normally prepare your rice, then it is mixed with garlic, tomato paste and a bit more liquid and finally baked in the oven.
Recipe: Garlic Tomato Rice
Printable version of recipe here.400-500g Jasmine rice, steamed
1 tablespoon tomato purée
1 1/2 teaspoons fresh minced garlic
Drizzle of canola oil
- Preheat the oven to 180 degrees C.
- Place the rice in a bowl and add about 250 ml hot water, mixing with a wooden spoon. Using the wooden spoon gently press the rice on the side of the bowl.
- Add the garlic, tomato paste and salt to taste, stirring to incorporate the ingredients.
- Rub an 20x23 cm oven-proof dish with oil and add the rice mixture. Using the spoon or your hands press the rice evenly into the form. Bake for approx 15 minutes.
Serving Tips:
- Enjoy with any type of lentil dish like this vegetable lentils.
- A great partner with this flavorful Coconut Potato Curry with Basil & Cashews.
- Almost a must with my dad's chicken curry.
Many of the most loved dishes are simple down-to-earth food, prepared at home. Kale might not be a loved vegetable but trust me if you give it a go, especially if it is prepared like this, you will definitely fall in love with it. Soeren loves the dish because of it tangy flavor, he really scoops up spoonfuls mixed with the garlicky rice, savoring each bite. Tom as always is skeptical, he does not trust grünkohl (kale in German) as it brings back memories of smelly school cafeteria food for him. However, after enjoying it this way he has learned to love kale in a whole new way.
Monthly Mingle
The Healthy Family Dinners roundup is up over at What's Cooking. Check out the grand 50 entries we had. A page to bookmark for future reference for sure!
This month's Monthly Mingle is back home and we are going to be grooving down to the Caribbean Islands for a bit of Caribbean Cooking this session. Hope you will join me and win yourself a fantastic cookbook. Check out all the details!
A must for all pasta lovers, my latest column on the FoodieView Blog is all about Perfect Pasta. I share a few fantastic savory and sweet pasta creations from all around the blogesphere.
My Lime Kale and Beans is going over to Susan of The Well Seasoned Cook, who is hosting the 8th helping of My Legumes Love Affair. Hope you like my unusually prepared dish!
You might like these legumes creations from WFLH:
Mum's Creamy Black Lentils - Kaali Maa Di Dal | Spicy Chicken Legumes with Pinto Beans and Chickpeas | Pea and Lettuce Salad |
Kale from around the blogs:
- Sweet Potato and Kale Enchiladas - We Heart Food
- Creamy Fall Fettuccini with Butternut Squash and Kale - The Wind Attack
- Kale Smoothie - It's Ripe
Daily Tiffin Reading Tip:
- Recycling: A Primer written by Suganya
All photographs and written content on What's For Lunch, Honey? © 2006-2009 Meeta Khurana unless otherwise indicated. | All rights reserved | Please Ask First


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World Famous Ink Kirin Gold from the World Famous Ink Master Mike Asian Colour Set.
Volume: 30ml
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