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[edit] Overview
The casinos found in DQVIII are a fun, simple way to take a break from adventuring and spend some of your hard-earned gold - but fun aside, casinos also provide useful items as rewards, making gambling even more worth the time.
There are two casinos in the game; one in Baccarat, and a smaller one found in Pickham.
[edit] Pickham Casino
The first casino found throughout the DQVIII adventure. It is quite tiny compared to the huge one found in Baccarat, however, it still provides the same level of excitement.
Two different types of games can be played here; Roulette and Slots.
[edit] Roulette
Roulette is undoubtedly for those who like taking larger risks. Investing many tokens in this game can give you some great rewards if your luck is fair. The odds of winning are lower than the other games found in the casinos, but roulette pays out more than most others.
[edit] Slots
The slot machines are the most popular of games out there. The casino slots are simple, fun, and don't cost much (depending on which slot tokens you choose). There are three types of slots - the 100 token slots, the 500 token slots, and the big spender slot using 1,000 tokens (only found in the Baccarat casino). The odds of winning in the slots are relatively good in both casinos.
[edit] Prizes
The casino also features some prizes you might find helpful during your Quest. Following is a list of possible prizes you can obtain in the Pickham casino:
- Magic Water 100 tokens
- Agility Ring 180 tokens
- Silver Platter 500 tokens
- Titan Belt 1,500 tokens
- Rune Staf 3,000 tokens
- Platinum Headgear 5,000 tokens
[edit] Baccarat Casino
This large casino is encountered much later in the game than the first, though it can be argued that the rewards are well worth the wait.
On top of the two games found in Pickham (Roulette and Slots), this casino introduces Bingo to the scene.
[edit] Bingo
Bingo provides a middle ground for gamblers, sitting between the easy Slots and challenging Roulette. The game can take quite a while to get the hang of and can be difficult to play successfuly. The odds are average and pay off slightly less than the Slots, but just like any other game, it all depends on your luck.
[edit] Prizes
With a new casino comes a new set of prizes to be won. The list is as follows:
- Prayer Ring 1,000 tokens
- Spangeld Dress 3,000 tokens
- Saint Ashes 5,000 tokens
- Falcon Blade 10,000 tokens
- Liquid Metal Armour 50,000 tokens
- Grigham Whip 200,000 tokens
Good luck!
Related ThreadsThe Casino: Does The House Cheat? - last post by @ Apr 19, 2010
Casino games are back - slots, poker, roulette, ??? - last post by @ May 28, 2017
Casino in Baccarat - Help me asap! - last post by @ Dec 10, 2006
Winning in the casino - last post by @ Aug 4, 2008
when can i get into the baccarat casino? - last post by @ Mar 1, 2008


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National Geographic reports how the small island of Yap, an island in the Federated States of Micronesia, has not only banned the single use plastic bag for environmental preservation, but has added a program to brings income to island citizens.
"Capitalizing on this new policy, one particular women's group in Yap has formed a cooperative that weaves reusable bags out of local materials to promote a more sustainable way of shopping. The bags are sold to retailers in bulk and are available in solid colors or ornate patterns to appeal to both residents and souvenir-hunting tourists," the report notes.
The report concludes with, "True, Yap's islands are tiny and their relative use of plastics is minuscule compared to almost every other country in the world, but the ban is still considered by many to be a significant step. Though laws like this one exist in other parts of the world, Yap, given its size and isolated location, serves as a great example of how such a policy can have cross-sectoral benefits. In this case, not only does the reduction of plastics have obvious environmental benefits, but it's also opened the door to a new (albeit niche) market for reusable products. In doing so, it's helping to perpetuate Micronesian culture by giving groups of local women another reason to continue practicing traditional weaving and other crafts.

subset: commoncrawl


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TIGERVILLE, SC- This Thanksgiving season, the North Greenville women's basketball team can be thankful for each other. The Lady Crusaders put forth a total team effort to down the Piedmont Lions 75-60 Tuesday night in Hayes Gymnasium. Seven players were within three points of each other in total points. Sarah Giles, Amber Rector, and Michelle Dennis led the team with 10 points each, but Amber Bramlett and Robin Warner were not far behind with nine each.
The Lions kept the game close for the first ten minutes, but then the Crusaders went on an 8-0 run to go up 23-13 with 6:53 remaining in the first half. North Greenville was able to expand that lead to 33-22 by halftime. Piedmont, however, opened up the second half with a 7-0 run to pull within four just two minutes into the half. North Greenville absorbed the blow, but did not buckle. Sarah Giles hit a three-pointer to stop the bleeding and the Crusaders would allow the Lions to get close only once more. A layup by Sarah Lane pulled Piedmont to within one point with 12:57 left in the game, but Amber Rector hit a three-pointer to give the Crusaders a four-point cushion. North Greenville steadily pulled away and won the ballgame 75-60.
The story of the game was North Greenville's defense. The Crusaders applied steady pressure and forced Piedmont to turn the ball over 30 times. Eighteen of those turnovers were in the second half. North Greenville converted those turnovers into 31 points, compared to the 13 points Piedmont converted off Crusader turnovers.
"We were just ecstatic about the defensive intensity we showed tonight," said head coach Jayne Arledge. "We were able to get 16 steals which turned into some easy transition points. We have emphasized our defense throughout practice this fall and it won the game for us tonight."
"Tonight was a complete team effort," noted assistant coach Kevin Nicholls. "We had a balanced attack which is the key to our success."
The Lady Crusaders, who improve to 2-2, will take their balanced attack to Southern Wesleyan University on November 29th. Tipoff is set for 6:00 p.m.


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For some people today SushiLeads Ads appeared unexpectedly. One sunny July morning they woke up and suddenly saw strange changes in the way their browser operates. When attempting to open their favorite web pages they saw the bunch of advertisements brought by SushiLeads in different corners of their screens. The problem of adware is not just your concern, since there are many other people in the Internet today who experience exactly the same issues right now. Whether you would like to continue reading this removal article or not, be aware of the fact that you definitely need to get rid of this annoying program currently attacking many computers in the world.
SushiLeads program performs it annoying activity in your browser through various forms. One of them is through displaying the above-mentioned ads and pop-ups everywhere. Another form of its annoying behavior is to show many unexpected pop-ups through all browsers available in your computer. This pop-up show may happen in Google Chrome, Opera, Mozilla Firefox and Internet Explorer.
SushiLeads adware removal menu:
- Recommended software to remove adware automatically.
- Resetting browser settings after automatic removal of adware.
- Video explaining how to reset your browsers affected by adware.
- Tutorial to remove adware manually.
- How to prevent your PC from being reinfected.
Presence of SushiLeads application can be traced if you look into the list of legally installed applications in your computer. You might ask how in the world could this software be brought into your system if you don't actually remember installing it in the first place? This is surely a good question worth being answered in our next paragraph.
The sad fact of the Internet world today is that there are a lot of free programs with their installers integrated by default with many other absolutely useless and even harmful applications. For example, you might decide to install certain MP3 player, or some PDF converter, or any other nice program whatsoever. You should always be selective what source of freeware download you choose. There is a wide range of these programs bundled by default with SushiLeads adware. Your responsibility is to simply pay close attention to what exactly you're going to install into your system in addition to the main application of your choice. Please take time to read the information contained in the EULAs (End User License Agreements) of all cost-free applications you're going to make the part of your system.
In case when you do find the information about some extra programs to be suggested in the installation guidelines of the free program you're going to install, why don't you switch to the advanced (custom) installation mode? This is the right place where you may have a chance to uncheck SushiLeads and other absolutely useless applications from becoming the integral part of your computer. But if you don't want to devote time reading that information, you will most likely end up installing various junk programs into your computer. The chances are that SushiLeads will be just one of many other hazardous applications of such kind.
Removal of SushiLeads adware is a feasible task if you know the reliable program capable of detecting and deleting it. We're confident that Plumbytes Anti-Malware is what you need for this purpose. The application will scan your PC and will identify all malicious components in your computer. You will then simply need to get rid of all he threats it finds (with its full registered version) and to reset your browsers with its help. The last but not the least, please be very careful in the world wide web, especially when you install any free programs. Don't permit various third-party stuff to be made the part of your computer without your desire.
Software to get rid of SushiLeads automatically.
Important milestones to delete SushiLeads automatically are as follows:
- Downloading and installing the program.
- Scanning of your PC with it.
- Removal of all infections detected by it (with full registered version).
- Resetting your browser with Plumbytes Anti-Malware.
- Restarting your computer.
Detailed instructions to remove SushiLeads automatically.
- Download Plumbytes Anti-Malware through the download button above.
- Install the program and scan your computer with it.
- At the end of scan click "Apply" to remove all infections associated with SushiLeads:
- Important! It is also necessary that you reset your browsers with Plumbytes Anti-Malware after this particular adware removal. Shut down all your available browsers now.
- In Plumbytes Anti-Malware click on "Tools" tab and select "Reset browser settings":
- Select which particular browsers you want to be reset and choose the reset options.
- Click on "Reset" button.
- You will receive the confirmation windows about browser settings reset successfully.
- Reboot your PC now.
Video guide explaining how to reset browsers altogether automatically with Plumbytes Anti-Malware:
Detailed removal instructions to uninstall SushiLeads manually
Step 1. Uninstalling this adware from the Control Panel of your computer.
- Make sure that all your browsers infected with SushiLeads adware are shut down (closed).
- Click on "Start" and go to the "Control Panel":
- To access the Control Panel in Windows 8 operating system move the computer mouse towards the left bottom hot corner of Windows 8 screen and right-click on it. In Windows 8.1, simply right-click on the "Start" button. Then click on "Control Panel":
- In Windows XP click on "Add or remove programs":
- In Windows Vista, 7, 8 and 8.1 click on "Uninstall a program":
- Uninstall SushiLeads adware. To do it, in Windows XP click "Remove" button related to it. In Windows Vista, 7, 8 and 8.1 right-click on this adware with the PC mouse and click on "Uninstall / Change".
Step 2. Removing adware from the list of add-ons and extensions of your browser.
In addition to removal of adware from the Control Panel of your PC as explained above, you also need to remove this adware from the add-ons or extensions of your browser. Please follow this guide for managing browser add-ons and extensions for more detailed information. Remove any items related to this adware and other unwanted applications installed on your PC.
How to prevent your PC from being reinfected:
Plumbytes Anti-Malware offers a superb service to prevent malicious programs from being launched in your PC ahead of time. By default, this option is disabled once you install Anti-Malware. To enable the Real-Time Protection mode click on the "Protect" button and hit "Start" as explained below:
Once this option is enabled, your computer will be protected against all possible malware attacking your PC and attempting to execute (install) itself. You may click on the "Confirm" button to continue blocking this infected file from being executed, or you may ignore this warning and launch this file.


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Beauty Travel It's pretty easy to neglect your skincare and haircare routine while traveling. I know I've been guilty of this in the past. The fact you can't bring full-size products on the plane, the fear of your products opening in your suitcase and the simple fact you don't want to fuss w
Facial Serums Skincare is all about layering. Adding a lightweight serum into your daily routine can make a huge difference in the overall appearance of your complexion. A face serum is much like a lightweight moisturizer that penetrates deeply into the skin to deliver active ingredients. Using a da
Top 12 Daily Facial Moisturizers Although most of us are focusing on protecting our skin from the sun's UV ray with sunscreen, it doesn't mean we can skip our daily moisturizer. Your skin may be feeling a little dehydrated from all the heat, which is why it's extremely important to keep it nou
Top 8 Daily Facial Moisturizers Now that it's officially springtime, it's the perfect time to switch up your skincare routine. Just because you no longer have sandpaper-dry skin, doesn't mean you can skip your daily moisturizer. Without a daily dose of hydration, your skin will become dry, fla
Must-Have Beauty Products I can't believe we're already into the 3rd month of 2017. This year is flying by. Last year I started sharing my top 10 items that I've been loving for that month, that didn't necessarily make it into their own blog post. Running a blog for almost 7 years, definitel
Vichy Teint Ideal New year, new foundation routine. Vichy Teint Ideal is an entire line of both cream and liquid foundations, highlighter and concealer all created with Vichy Mineralizing Thermal Water to help strengthen and prime the skin. It also contains vitamin C & E and hyaluronic acid to h


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The Nest: A High-Tech Money-Saver for Your Home, Which I Just Installed Myself. (In Related News, It's FREEZING at My House)
Over the summer, my husband and I bought 1923 colonial that needs, um, "some work," to put it politely. The current money pit: Our heating bills have been exorbitant this winter, which seemed weird, since I always kept the heat set to a modest 68 to 70 degrees. After a little research I decided our older-than-the-dinosaurs thermostat probably needed upgrading. Behold, Thermostat Rex.
My husband's hand is in there because I forgot to snap a pic before unassembling the old thermostat, so he had to hold it in place. Thankfully he could totes be a hand model. (Not like the face and body boys. Wait, where was I?)
After some more research—fine, I asked my dad, who's basically a contractor—we decided to upgrade to the Nest, which learns your heating habits and adjusts itself to help cut down your heating bills. It also senses when you're not home, and doesn't heat your empty house. (You tell it how low to go so it doesn't get too cold.) So Jetsons! SO sold.
The Nest Learning Thermostat, $249.
At almost $250, it's definitely spendy—but your energy company might pay you to install the Nest. Click here to see if yours offers a Nest savings.
As I mentioned, we've only been home owners for like six months, so my electrical experience is minimal. (The only other thing I've done with wires was change the doorbell.) But the packaging ensured me I could do it myself, so I went for it. Here's what the process looked like:
All that stuff on the right had me REALLY nervous after I popped off the front. Can you see the big ball of mercury?
Turns off "all the stuff on the right" just popped off, revealing two wires, the red one and the white one.
The pictures are dark from here, because we turned off the power. Don't forget to turn off the power! The Nest people kindly provided stickers to label the wires, so we'd know where to stick 'em in the Nest.
The rest of Thermostat Rex is gone, revealing about 10 different paint colors. Add "paint the dining room" to our never-ending to-do list. Sigh.
Then you just pop the Nest over the wires and screw it in place. Do you see the tiny little level built into the Nest, so you know it's level? These guys thought of everything.
I stuck the wires in the corresponding holes. Easy enough.
Then popped on the front part. Voila!
Then I turned on the power—and realized our home was a steamy 75 degrees. Oops.
I know it looks complicated, but it was super, super easy. And I quickly saw what was contributing to our crazy-town heating bills. The thermostat was set to 70—but the house was heated to 75. Which means our old thermostat was off by five to seven degrees. Oops!
So I'm still keeping the heat between 68 and 70, but it's a LOT colder at our house. So bring your wool socks if you drop by for a visit.
Oh, and I almost forgot my favorite feature: We can control the Nest, which is hooked up to our Wi-Fi, from our phones. (I told you it's Jetsons!) So if I've been away for a while I can turn up the heat before we return. Or, if we get in bed and realize we didn't turn down the heat, we can click the app and lower it from bed.
Anyone impressed? Anyone? Dad, are you reading? Does your home need some Nest action? Have you made any home improvements lately?


text: Astronaut Scott Kelly's DNA Did Not 'Change In Space' The Way You Think Ryan F. Mandelbaum Mar 16, 2018, 10:00am It seems like pure science fiction. NASA astronaut Scott Kelly goes to space for nearly a year, comes back, and suddenly has turned into a mutant with different DNA from his twin. As Newsweek wrote, his DNA "changed in space".


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The problem did start about 8 days ago altho not everyone is affected at the same time. It is a temporary problem. Yahoo has been notified. You have to wait (unless you can find a way to return to Classic Mail).
Hundreds of users have asked about this problem in the last 8 days. It is a Yahoo problem.


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About Gloria
Location: Calamba City, Laguna, Philippines
I am Filipina, 45 yrs old Single, I am simple and happy person and honest. I want to have a partner who will be with me for the rest of our life. I am presently working as a Receptionist in a Nursery here in UAE...I want to have a simple and happy life.


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- Off- road cycling routes guide - Members and Site Blog - Diary of cycling events - Where's the Brew Stop? -
We use cookies to ensure that we give you best possible experience on our website. By continuing to use the website we assume that you agree to our use of cookies.
Lightcliffe Tea Rooms
Address: Lightcliffe Tea Rooms, 101 Wakefield Road, Lightcliffe, Halifax, HX3 8SS.
Phone Number: 01422209148
Opening times: Monday to Friday from 8.30am to 5pm, on Saturday from 9am to 5pm and on Sunday from 10am to 5pm.
Owner: Carolyn Le Grove
Website: http://www.lightcliffetearooms.com.
This page was last updated on: 09 November 2016.
The above google map shows where you find the Lightcliffe Tea Rooms.


text:
February 15, 2010
Cook Family Portrait (In Progress)
3 comments:
- Wallace said...
I love your recent work. The people look great and I really like how they are all posed. Beautiful. Leilani
- February 18, 2010 at 5:52 AM
- Wallace said...
Stephen. I think I would place the boy in the middle of the pictures hand going behind his knee so it would not be so prominent in the direct middle of your picture. It calls attention to something that is not important. I love the portrait. Mom
- February 18, 2010 at 5:56 AM
- Stephen Sitton said...
Thanks! I appreciate that tip. I wasn't very happy with his hand in the first place. I'll give that a try.
- February 18, 2010 at 8:53 AM
Subscribe to: Post Comments (Atom)


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bWell you may ask - what is a Chesterfield Savanah. They do say a picture is worth a thousand words, so have attached a couple for those interested, hope they are attached. This particular van was made by a small company in Melbourne who are trying to break into the market. Whilst I don't know the reasons why - it ended up at a major auction company from the caravan retailer in Melbourne. Yes folks, I bought a new caravan at auction. Sight unseen (except for pics on the auction company website and verbal confirmation of the tare weight & that's all). I had been looking at all available websites for the last 4-5 years, trying to learn as much as possible about caravans. Nearly signed up for a van at a caravan show, but realised I just could not afford it. So kept looking at all the sites including evilbay. I found a good 2 year old van at this auction site and was bidding on it, but it finally went too high. So that was that, or so I thought, found a brand new 21'-6" van on the same auction site and liked it. Done as much research as I could, even got hold of a company that did the sub-contract electrical & plumbing on the van & was talking to the foreman as I was trying to find out if it had a 12 or 7 pin plug and/or Andersen plug so I could get my vehicle wired up. He told me that they were very well made - so that convinced me even further. So I bid on the van online - but it didn't meet the reserve price the retailer was insisting. So next day the auction company contacted me & negotiations took place. Once I knew the reserve price the retailer was insisting on (he wouldn't budge) I declined the price as I cold not afford the approx $4,500 extra I would of paid the auction company for auctioning the van (pretty steep I thought). So 30 minutes later the auction bloke rings me up again & said all I needed to pay was a $1,000 on top of the reserve price. SOLD!
So it was a big rush to get my Pajero ready to tow a van, get an experienced caravan mate to travel with me down to Melbourne from Canberra. Pick up the van and travel back home to Canberra. Whilst my mate towed it for a hundred or so kilometres out of Melbourne as I was to scared. The first 50-100 kays was a bit hairy as we had a lot of traffic and it was very windy which pushed the van about a bit. He reckoned it had never been towed before & may have been trucked to the retailers & then to the auction place. Anyway after that first 100kays I drove the rest of the way under close instruction from him. Could not have done it without him. All this was in November of 2017 & the van was made in July. Since that time its sat out in my front yard. It has given me time to get bits & pieces along the way so I've got all the gear to go caravanning soon when I retire. I've had the van checked out by some other experience caravanning mates who are all extremely impressed with the caravan and its inclusions. The only downside is NO warranty and no instructions on how any of the inclusions work. Not one little bit of paperwork. I've got no comeback on anything if it falls apart, breaks, doesn't work or leaks etc. But at the price I paid for the van I can live with that. So far only the Atwood water heater doesn't work, everything else is good. The van has a tare weight of 2280kgs & when we picked it up a tow ball weight of only 100kgs. We should of filled the 2 x 85 litre water tanks up on the way but didn't, so we had a bit of wobble on the way, but took it easy. Can't wait for our first shakedown trip. Just have to talk the missus into letting me retire so we can enjoy this great county. Anyway that's my new rig story.
Hi Skins.
Time to sit down at the computer and goggle all the white goods in the caravan and print out the manuals we have collected all for our caravan along with the wiring diagram. Very valuable.
Enjoy your purchase, look nice.
looks like a nice van Skins.
Hey Juggenaut - thought I was onto a good thing until I saw those crabs
Happy Camping
I was always taught to respect my elders,
but it keeps getting harder to find one.
Dave (Nutgrass)
Carpe Diem - Seize the day!
You never get a second chance at a first impression, so make the first a good one.
Thanks David, very sound advice & much appreciated.


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Zoro dishes out the visuals to his recent single – Achikolo, featuring king of the East –Phyno with help from Pammy UDU Bunch cultural group.
Mex, peep the crisp visuals to the already buzzing hit!
Audio was produced by KezyKlef with some touches by Triple MG's Selebobo.
Play Online ⬇


text:
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Phoenix 2019 - April 8th-11thMore Info
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separation from its Belgian counterpart.
(Monday, November 2, 2009) - InterSystems Corporation today announced reseller agreements
with two new InterSystems application partners. Management
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text:
KBFD COLUMN by Jeff Chung
Learning a language expands social, cultural horizons
Hawaii is America's true melting pot, with many ethnicities represented in our community. Yet many of us have lost the ability to speak our native language.
I was not able to speak Korean but heard it around the house growing up. It wasn't until I studied in Korea for a year while in college that I really learned the language.
Why is it important? Learning a language really helps you to better understand the culture of the country. Your scope of friends will expand tremendously, it can help your business, retain your cultural identity and allow you to help others who may end up visiting that country.
Many of our viewers enjoy our dramas by reading the English subtitles. But if you know Korean, the dramas could end up being twice as enjoyable if you understand the nuances of the language and culture.
If you're serious about learning the language, there are 23 Korean-language schools in Hawaii to help you.


text:
AMERICA'S LARGEST DRUG STORE CHAIN SETTLES EEOC DISABILITY DISCRIMINATIONJUNE 2, 2014 - SAN FRANCISCO - Walgreens has agreed to pay $180,000 to a longtime employee with diabetes and to implement revised policies and training to settle a disability discrimination lawsuit filed by EEOC. EEOC alleged Walgreens fired the former cashier because of her disability after she ate a $1.39 bag of chips during a hypoglycemic attack in order to stabilize her blood sugar level.
WINEBRENNER TRANSFER WILL PAY $42,000 TO SETTLE EEOC RETALIATION LAWSUITJUNE 6, 2014 - BALTIMORE - Winebrenner Transfer, Inc., will pay $42,000 and furnish significant equitable relief to resolve a lawsuit for retaliation filed by EEOC. EEOC charged that a female truck driver was terminated after she sent the owner a text message saying she believed she was paid less than male co-workers for the same work because she was female.
PRINCETON HEALTHCARE PAYS $1.35 MILLION TO SETTLE DISBAILITY SUITJune 30, 2013 - TRENTON, N.J. - EEOC's suit alleged that Princeton Healthcare's fixed leave policy failed to consider leave as a reasonable accommodation, in violation of the Americans with Disabilities Act (ADA). Princeton's policy meant that employees who were not eligible for FMLA leave were fired after being absent for a short time, and many more were fired once they were out more than 12 weeks.
OFCCP SETTLES HIRING DISCRIMINATION CASE WITH LINCOLN ELECTRICJUNE 12, 2014 - WASHINGTON, DC -For the second time in 11 years, OFCCP has settled a hiring discrimination case with Lincoln Electric. The company will pay $1 million and provide 48 job opportunities to 5,557 qualified African American workers who were unfairly rejected for jobs at the company's Cleveland, Ohio facility. Lincoln Electric used an application system and testing process that violated the law by creating an adverse impact on African American workers.
OFCCP SETTLES HIRING DISCRIMINATION WITH PARSONS BRINCKERHOFFMAY 8, 2014 - NEW YORK - Parsons Brinckerhoff will pay almost $200,000 to 247 minority workers rejected for engineering positions.
OFCCP ISSUES DIRECTIVE ON TRICARE ENFORCEMENT ACTIVITESMay 7, 2014 - WASHINGTON, DC - OFCCP's Directive establishes a five-year moratorium on enforcement of the affirmative obligations required of all TRICARE subcontractors.
OFCCP ISSUES FAQS ON TRICAREhttp://www.dol.gov/ofccp/regs/compliance/faqs/tricare_faq.htm#Q0E
OFCCP PILOTS NEW SELF-SERVICE OPTIONS FOR STAKEHOLDERSSubmit questions and check the status of complaints directly through OFCCP's home page website on the Workforce Corner section.
FMLA NOTICE OF PROPOSED RULEMAKING (NPRM)JUNE 20, 2014 – The NPRM proposes to amend the definition of spouse so that eligible employees in legal same-sex marriages will be able to take FMLA leave to care for their spouse or family member, regardless of where they live.
April 8, 2014 – WASHINGTON - President Obama issued an Executive Order amending Executive Order 11246 on retaliation for the disclosure of compensation information. Executive Order 11246 amendment prohibits federal contractors from discriminating against employees and applicants who have inquired about, discussed or disclosed compensation information. Within 160 days, the Department of Labor will issue regulations to implement the requirements of this order. The order is effective immediately and applies to contracts entered into on or after the effective date of the regulations.
ADVANCING PAY EQUALITY THROUGH COMPENSATION DATA COLLECTIONApril 8, 2014 – WASHINGTON - President Obama issued a Presidential Memorandum on advancing pay equality through compensation data collection wherein the Department of Labor has been directed to propose rules within 120 days that would require Federal contractors and subcontractors to submit to DOL summary data on the compensation paid their employees, including data on race and sex.
$2.2M CARGILL SETTLES HIRING DISCRIMINATION WITH OFCCPJanuary 22, 2014 – WASHINGTON - Cargill Meat Solutions agreed to pay $2.2M to settle charges of hiring discrimination based on race African Americans, Hispanics and Caucasians) and sex (females) as well as other violations with OFCCP.
CONSTRUCTORA SANTIAGO II CORP SETTLES SEXUAL HARASSMENT AND DISCRIMINATION WITH OFCCPApril 2, 2014 - SAN JUAN, Puerto Rico - Constructora Santiago II Corp., a federal construction contractor will make a lump sum payment of $40,000 to three female carpenters who were sexually harassed, retaliated against and denied regular and overtime work hours comparable to those of their male counterparts.
VEVRAA BENCHMARK DATABASEContractors required by the Vietnam Era Veterans' Readjustment Assistance Act (VEVRAA) to develop a written affirmative action program (AAP) must also establish a hiring benchmark for protected veterans each year, or adopt the national benchmark provided by OFCCP currently at 7.2%. The hiring benchmark must be implemented and included in the first AAP and subsequent AAPs following the effective date of March 24, 2014. The VEVRAA Benchmark Database provides information regarding the establishment of hiring benchmarks and easy access to the national and State data that may be needed to establish benchmarks.
Hurley Medical Center Agrees to Settle EEOC Race Discrimination Case9/26/2013 - DETROIT - Hurley Medical Center in Genesee County, Mich., entered into an agreement with EEOC over claims that an African-American nurse was not allowed to care for a white baby in the Neonatal Intensive Care Unit in November 2012 because of her race, supposedly due to customer preference. The federal agency also reviewed the hospital's broader policies with respect to assignments. Assignment of employees based on customer racial preferences violates Title VII of the Civil Rights Act of 1964.
OFCCP ISSUES FINAL VEVRAA & 503 RULESFinal Rules were published in the Federal Register on September 24, 2013, and become effective on March 24, 2014. However, current contractors with a written affirmative action program (AAP) already in place on the effective date have additional time to come into compliance with the AAP requirements. The compliance structure seeks to provide contractors the opportunity to maintain their current AAP cycle. Highlights of the Final Rules 41 CFR Part 60-250 rescinded in it's entirety. VEVRAA Hiring benchmarks: Contractors may choose to establish a benchmark equal to the national percentage of veterans in the civilian labor force, currently 8%; or may establish their own benchmarks prescribed by the Final Rule. 503 Utilization Goal: Contractors will apply the goal of 7% to each of their job groups for locations over 100 employees, or to their entire workforce for locations with fewer than 100 employees. Data collection: Contractors must document and update annually several quantitative comparisons for the number of veterans and individuals with disabilities who apply for jobs and the number of veterans and individuals with disabilities they hire. The data must be maintained for three years to be used to spot trends. Invitation to Self-Identify: The Final Rule requires that contractors invite applicants to self-identify as protected veterans at both the pre-offer and post-offer phases of the application process. The Final Rule includes sample invitations to self-identify that contractors may use. Incorporation of the EO Clause: Specifically, the clause shall be made a part of the contract by citation 41 CFR § 60-300.5(a), and 41 CFR § 60-741.5(a), and inclusion of the specified language, in bold text, after the respective citation Job Listings: Contractors must provide information in a manner and format permitted by the appropriate State or local job service, so that it can access and use the information to make the job listings available to job seekers. Records Access: The Final Rule requires contractors, upon request, to inform OFCCP of all formats in which it maintains its records and provide them to OFCCP in whichever of those formats OFCCP requests. EEO Policy Statement: The contractor must ensure that employees and applicants are provided the notice in a form that is accessible and understandable to the individual with a disability (e.g., providing Braille or large print versions of the notice, or posting a copy of the notice at a lower height for easy viewing by a person using a wheelchair).
www.dol.gov/ofccp/VEVRAARule and www.dol.gov/ofccp/503Rule
FCCP PUBLISHES NEWLY REVISED FEDERAL CONTRACT COMPLIANCE MANUAL (FCCM)The newly revis executing quality and timely compliance evaluations and complaint investigations. http://www.dol.gov/OFCCP/regs/compliance/fccm/fccmanul.htm
MEDTRONIC SETTLES DISCRIMINATION LAWSUIT WITH OFCCP9/23/2013 – Boston - Medtronic to pay $290,000 in wage discrimination lawsuit settlement affecting 78 Hispanic workers. http://www.dol.gov/opa/media/press/ofccp/OFCCP20131811.htm
RESCARE HOMECARE SPOKANE SETTLES OFCCP ALLEGATIONS OF DISCRIMINATION9/12/2013 – Seattle - ResCare HomeCare Spokane settles charges of discrimination against 77 male job seekers. http://www.dol.gov/opa/media/press/ofccp/OFCCP20131572.htm
L & M CONSTRUCTION SETTLES SEXUAL HARASSMENT7/29/2013 – Washington, DC - L&M Construction to pay nearly $113,000 to settle sexual harassment and interference with a federal investigation affecting 14 Hispanic workers.
TUFTS ASSOCIATED HEALTH PLANS INC. SETTLES LABOR DEPARTMENT CHARGES OF RETALIATION7/17/2013 BOSTON - Tufts Associated Health Plans Inc. has agreed to pay $372,739 to 12 Asian, Hispanic and African American workers following an investigation by the U.S. Department of Labor's Office of Federal Contract Compliance Programs. The agreement settles allegations that the contractor violated provisions of Executive Order 11246 by retaliating against employees that OFCCP had determined were victims of discrimination in an earlier investigation. Specifically, minority class members were segregated from other employees and held to stricter standards than non-class members during the training program.
In addition to paying $372,739 to the class members, Tufts has agreed to ensure full compliance with Executive Order 11246 by providing training to managers and trainers involved in enforcing the equal employment opportunity and non-retaliation provisions of the Executive Order.
To view OFCCP's press release visit: Click Here
EEOC FILES SUIT AGAINST TWO EMPLOYERS FOR USE OF CRIMINAL BACKGROUND CHECKS6/11/13 WASHINGTON - The U.S. Equal Employment Opportunity Commission alleges in two separate lawsuits filed against 1) BMW's manufacturing facility in South Carolina; and 2) Dolgencorp, doing business as Dollar General in the United States, the largest small-box discount retailer. EEOC alleges that both employers violated Title VII of the Civil Rights Act by implementing and utilizing a criminal background policy that resulted in employees being fired and others being screened out for employment.
EEOC alleges that BMW fired and denied hire to a class of African American employees who worked successfully for years; and that the policy is not job related and consistent with business necessity.
EEOC filed a nationwide lawsuit based on discrimination charges filed by two rejected African American applicants. That lawsuit charges that Dollar General conditions all of its job offers on criminal background checks, which results in a disparate impact against African Americans. Dollar General operates 10,000 stores in 40 states, plus 11 distribution centers. Ninety percent of all Dollar General employees are store clerks who are both stockers and cashiers at the stores.
To view EEOC's press release visit: Click Here
EEOC SETTLES CLASS ACTION LAWSUIT – PRERITE CORPORATION TO PAY $700,000, AND OFFER JOB4/30/13 CLEVELAND - Presrite Corporation, a manufacturing company headquartered in Cleveland that makes gears and other industrial parts, will pay $700,000, offer jobs to no fewer than 40 women, and commit to other injunctive relief to settle a systemic class action lawsuit brought by the U.S. Equal Employment Opportunity Commission (EEOC), the agency announced today.
Under the terms of a publicly filed consent decree, Presrite will pay $700,000 in compensatory damages, and hire 40 females, among other measures designed to prevent future discrimination. Such measures include submitting periodic reports to EEOC disclosing the number of females and males who applied as compared to those who were hired; mandatory training; and compulsory retention of applicant and employment records, including creating and producing electronic data. The decree includes an injunction prohibiting Presrite from discriminating against women in the recruitment and hiring process, compelling the company to make all good-faith, reasonably necessary efforts to find female candidates to fill vacancies in laborer or operative positions.
To view EEOC's press release: Click Here
EEOC SUES LEADING NATIONAL FOOD DISTRIBUTOR FOR SYSTEMATICALLY REFUSAL TO HIRE WOMEN6/17/2013 BALTIMORE - A national marketer and distributor of national and proprietary-branded food and food-related products engaged in a pattern or practice of failing to hire female applicants for operative positions at distribution centers nationwide, the U.S. Equal Employment Opportunity Commission (EEOC) charged in a lawsuit.
According to the EEOC's lawsuit, since at least Jan. 1, 2004, Performance Food Group, Inc., and its predecessor, subsidiary and affiliate companies (PFG), have engaged in an ongoing pattern of refusing to hire women for operative positions at their broadline distribution facilities.
PFG senior vice presidents and other high-ranking management officials repeatedly made comments that were tantamount to directing managers to favor males and to discriminate against females in hiring, the EEOC charged. Company vice presidents openly proclaimed a bias against employing women, including stating that women cannot do warehouse work and questioning, "Why would we ever waste our time bringing in females?" Vice presidents also said that women would slow down the operation and that it would be a good idea to get the females "out of here." Company officials also pressured one facility to discharge a female employee and asked why they continued to "hire these girls," the EEOC said in the lawsuit.
To view EEOC's press release, Click Here
SECRETARY OF LABOR HILDA L. SOLIS RESIGNS1/9/2013 WASHINGTON - Secretary of Labor Hilda L. Solis, the first and only, Hispanic American woman to hold a top Cabinet post submitted her resignation to President Obama today. Secretary Solis' resignation follows the resignation of Lisa Jackson, Environmental Protection Agency Administrator, the pending resignation of Hillary Clinton, Secretary of State, and the withdrawal of Susan Rice from consideration for Secretary of State.
Under Secretary Solis direction, more than 1.7 million people have completed federally-funded job training programs; of those, more than one million have earned industry-recognized credentials, making a difference for the American Workers. In addition, Labor Department investments in our community colleges have expanded their capacity to provide local, flexible, employer-specific job training to millions of Americans, and transformed these institutions into engines of economic growth, assisting big and large organizations realize the benefit of hiring returning veterans, and we can't overlook the countless drafting of new regulations.
While much has been achieved by the Department of Labor under Secretary Solis, there is much unfinished business, and the million dollar question is what impact will Secretary Solis' resignation have on the Department of Labor's enforcement efforts? Will there be other resignations? What impact will Secretary Solis' resignation have on each agency's regulatory agenda? Who will replace Secretary Solis? What will the new Secretary of Labor's agenda be, will it change or continue on the path in place today? The list goes on….
DOL's press release on Secretary Solis resignation may be viewed at: Click Here
MEYER TOOL WILL PAY $325,000 TO 60 AFRICAN-AMERICAN APPLICANTS TO SETTLE US LABOR DEPARTMENT ALLEGATIONS OF RACIAL DISCRIMINATION AT CINCINNATI PLANT9/17/2012 CINCINNATI - The U.S. Department of Labor's Office of Federal Contract Compliance Programs has reached an agreement with federal contractor Meyer Tool Inc. to settle findings of race-based hiring discrimination. Under a consent judgment approved by a Labor Department administrative law judge, Meyer Tool will pay $325,000 in back wages and interest to 60 qualified African-American applicants who were rejected for entry-level machinist positions at the company's manufacturing plant in Cincinnati. Meyer Tool also will extend job offers to at least 11 members of the original class as positions become available.
Under the terms of the consent judgment, Meyer Tool not only will provide financial remedies and job offers to the affected workers, but also will maintain employment records as required by law, provide equal employment opportunity training to all employees involved in the hiring process and submit detailed progress reports on this front to OFCCP for the next two years.
To view OFCCP's press release visit: Click Here
UNIFORMED SERVICES EMPLOYMENT AND REEMPLOYMENT RIGHTS ACT (USERRA)USERRA protects civilian job rights and benefits for veterans and members of the active and Reserve components of the U.S. armed forces. Uniformed Services Employment and Reemployment Rights Act (USERRA) provides that returning service-members must be promptly reemployed in the same position that they would have attained had they not been absent for military service, with the same seniority, status and pay, as well as other rights and benefits determined by seniority.
In FY 2011, VETS reviewed 1,548 new unique USERRA complaint cases, up 110 cases from those received in FY 2010. Nearly 35 percent of the complaints reviewed by VETS contained allegations of some form of employment discrimination on the basis of past, present, or future, military service, status, or obligations. An additional 25 percent of the complaints involved allegations of improper reinstatement into civilian jobs following military service.
For more information visit: Click Here
Are you interested in learning more about USERRA? The Department of Labor has developed an on-line introduction to the rules and regulations surrounding USERRA, "USERRA 101." To sign up for the course, proceed to USERRA 101. You will need to provide your business information to register for and access the course materials.
US DEPARTMENT OF LABOR'S LANDMARK ENHANCED COMPLIANCE MEASURES RESOLVES ACTION HOLDING PRIME CONTRACTOR RESPONSIBLE FOR VIOLATIONS OF ITS' SUBCONTRACTORS7/26/2012 NEW YORK - The U.S. Department of Labor sent a strong message today that it will seek to hold general contractors responsible not only for their own violations of federal labor law, but also for those committed by their subcontractors, when it filed consent findings and an order against Lettire Construction Corp. The consent findings and order were filed today with the department's Office of Administrative Law Judges against Lettire Construction Corp., an industry leader in affordable housing construction, and its president, Nicholas Lettire, a New York general contractor.
To view DOL's press release visit: Click Here
YRC/YELLOW TRANSPORTATION $11 MILLION CONSENT DECREE6/292012 CHICAGO - Yellow Transportation, Inc. and YRC, Inc. entered into an $11 million consent decree to resolve EEOC's charge that Yellow Transportation, Inc. and YRC, Inc. subjected African-American employees at its Chicago Ridge, Ill., facility to a racially hostile working environment and discriminatory terms and conditions of employment.
The consent decree enjoins YRC from engaging in any further discrimination because of race and from retaliating against people who complain about racial bias. The decree also requires YRC to retain consultants to examine the company's discipline and work assignment procedures and recommend changes to prevent racial disparities. Activities at Chicago Heights are being reviewed by a court-appointed monitor who will oversee the company's response to complaints and report semi-annually to the court and to the EEOC on the company's compliance with the decree.
To view EEOC's press release visit: Click Here
GIUMARRA VINEYARDS AGREES TO SETTLE EEOC SUIT FILED ON BEHALF OF INDIGENOUS FARMWORKERS7/2/2012 FRESNO - Giumarra Vineyards, one of the largest growers of table grapes in the United States, has agreed to settle a sexual harassment and retaliation lawsuit filed by EEOC. The Company agreed to expend $350,000 to resolve EEOC's charges and to comprehensive and sweeping changes of company procedures in dealing with discrimination and retaliation, affecting up to 3,000 employees.
Giumarra agreed to devote part of the settlement to train its work force, including hiring a third-party trainer to conduct training on sexual harassment and retaliation for thousands of its migrant farmworkers, other employees and incoming new staff regarding sexual harassment and retaliation in languages that the employees understand. Management and human resources officials will also be trained annually and receive additional training on how to appropriately handle such complaints.
Giumarra also agreed to implement changes to revamp its anti-discrimination policies and complaint procedures dealing with sexual harassment, discrimination and retaliation in the workplace. The EEOC will monitor compliance of the consent decree over the 3-year period.
Visit EEOC's press release at: Click Here
EEOC AND BP RESOLVE CLAIMS RELATED TO CONTRACTOR HIRING DURING GULF RESPONSE6/29/2012 HOUSTON - EEOC and BP Exploration and Production, Inc. announced today a voluntary resolution of an EEOC investigation relating to the hiring of women by contractors providing temporary labor for the oil spill response in 2010.
The resolution, memorialized in a confidential conciliation agreement, avoids protracted litigation and covers a class of female applicants in Texas, Louisiana, Mississippi, Alabama and Florida.
Visit EEOC's press release at: Click Here
A RED CARPET PREMIERE FROM OFCCPFor nearly half a century, the Office of Federal Contract Compliance Programs has been changing the lives of ordinary people by making American workplaces safer, fairer and more diverse. A Red Carpet Premiere of OFCCP "Opening Doors," is a mini-documentary that captures the essence of what OFCCP does each and every day.
To view OFCCP's documentary on changing lives of ordinary people visit: Click Here
BALDOR ELECTRIC TO PAY $2 MILLION TO SETTLE HIRING DISCRIMINATION6/25/2012 WASHINGTON - OFCCP announced that Baldor Electric Co. has agreed to settle allegations of systemic discrimination stemming from the company's applicant screening process at its facility in Fort Smith, Ark. OFCCP investigators determined that the process had a disparate impact on 795 qualified women, African-Americans and job seekers of Asian and Hispanic descent when they were denied the opportunity to advance to the interview stage when applying for production and laborer positions.
Under the terms of the conciliation agreement, Baldor agreed to pay a total of $2 million in back wages and interest to the affected individuals and will make at least 50 job offers to members of the original class as positions become available. The company has also agreed to undertake extensive self-monitoring measures to ensure that all hiring practices fully comply with the law, including record-keeping requirements.
To view OFCCP's press release visit: Click Here
AND THE SURVEY SAYS…..THE IMPACT OF OFCCP'S AGGRESSIVE ENFORCEMENT AGENDA ON COMPLIANCE EVALUATION RESULTSUnrecognized Guid format.By Sandra Hueneman
June 23, 2012
On May 30th and June 20th, Sandra Hueneman, President, Manchester Consultants, and Teresa Turner, Synchronized Resources, Inc., conducted webinars designed to share the results of a study Manchester Consultants undertook in April 2012, the purpose of which was to determine the impact of OFCCP's aggressive enforcement agenda on compliance evaluation outcomes in FY 2012 YTD, as compared to recent years.
In that regard, the study included a review of OFCCP compliance evaluations closed between FY 2008 and FY 2012 YTD as of April 27, 2012 (hereinafter FY 2012 YTD), as reported in the Department of Labor Enforcement Database. At the time of this study, OFCCP had concluded approximately 7 months of closures for FY 2012 YTD.
In setting the stage for the presentation, Sandra conducted a public poll, which was posted on several LinkedIn discussion forums, to ascertain what the contractor community perceived as violations most frequently cited by OFCCP today. While recordkeeping was cited by contractors as the most common violation, Sandra's study revealed something else…
What statistics are telling us about OFCCP's activity?
OFCCP Compliance Evaluation Trends 2008 to FY 2012 YTD in Table 1 shows that OFCCP closed 1,982 compliance evaluations in FY 2012 YTD, 1,297 or 65.4% closed with a Notice of Compliance, down from 72.3%, for the entire FY 2011, and significantly lower than in FY 2008 when 85.6% of the compliance evaluations closed with a Notice of Compliance.
Table 1 OFCCP Compliance Evaluation Outcome Trends FY 2008 to FY 2012 YTD
The study indicates that both Long Term (FY 2012 YTD, as compared to FY 2008), and Short Term (FY 2012 YTD, as compared to FY 2011) Trends show there has been an increase in the percentage of compliance evaluations that closed with Conciliation Agreements, Consent Decrees or Financial Agreements from 14% in FY 2008 to 35% YTD FY 2012 YTD.
The Top 10 Violations cited by OFCCP in FY 2012 YTD
While the public poll respondents felt that Recordkeeping would be the top violation to date, it came in second to Recruitment - which is currently the top violation cited by OFCCP.
Tables 2 and 3, reflect OFCCP Violation Trends – the type of violation, the number and percentage of closing documents that included the specified violation.
Table 2 OFCCP Violation Trends – Top 5 Violations for FY 2012 YTD
Manchester Consultants' study shows that there is an increase in the number of compliance evaluations closing with Conciliation Agreements and Financial Agreements, and a decline in the numbers of Notices of Compliance from FY 2008 through FY 2012 YTD.
Of the top 10 violations cited by OFCCP, the following violations have continued to increase as seen in the percentage of CAs, FAs, or CDs:


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– Eleanor Crumblehulme
I did not become a librarian to argue all day about money. I long for the days when it wasn't this way. We are at a crossroads for libraries - at least the ones in Lancaster County. The steps we take in the next year or so will change the landscape of library service. It has been several years since the state funding cut and many libraries have been living off the fumes of the discretionary accounts, if they even had them. I truly believe that if this trend continues, small town libraries will close. It'll be too late then to really save it. And right now, there are many libraries on life support.
Libraries can't run without professional employees.
People are sometimes shocked when they find out that the library has paid employees. When I tell them that librarians must have a master's degree, many just stare at me like I've asked them to do long division in their head. These folks are also sometimes the ones who claim that public libraries could be run by volunteers. I love my volunteers, but getting them to commit to a time period each week is often overshadowed by trips to Florida and Europe. Their grandchildren come into town and they take off. And that's what retirement is supposed to be. But that's not going to keep a library open.
In Pennsylvania, librarians are certified by the state. Prerequisites include an master's degree in Library Science from an ALA-accredited university. So...we're looking at a person who has spent at least 6 years in college. In addition, this venture is not cheap and library school students often walk away from graduation with tens of thousands of dollars in student loan debt. That may seem like a small price to pay for a professional job in the field, but then you'll learn you can't pay anything but small prices because your pay is going to suck.
After learning this information, many people ask me why on earth anyone would want to be a librarian with the reality of the salary limitations. And I wonder this myself. It's hard to believe that anyone would be willing to volunteer their time each week to work at the library. They have to be able to stand and bend and lift. They have to be good with the public. And if they want to work the desk, they have to go through at least 9 months of training. Anyone interested in committing their time?
Libraries can't afford to provide anything but excellent services.
There is absolutely no reason why substandard library service should ever be accepted. A community's information needs should not be overlooked as a luxury.
Libraries can't be underestimated.
Libraries are the only place a person can go to get free, confidential, unbiased information. We do not tell people what you read and we do not judge you for your questions or choices. This is very rare in today's world.
Author Doris Lessing said, "With a library you are free, not confined by temporary political climates. It is the most democratic of institutions because no one – but no one at all – can tell you what to read and when and how."
A well-funded, well-run, adequately-staffed library can affect change, create meaningful dialogue and foster lifelong learning. You really shouldn't mess with that. Librarians are social agents, bridging an education gap present in every community. And, even if you pay us nothing and give us budget woes that keep us up late at night wringing our hands, we won't give up. We're not stubborn...libraries are just that important.


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Sunday, May 22, 2011
Because I can
Making the decision to have a child - it's momentous. It is to decide forever to have your heart go walking outside your body.
Elizabeth Stone
Getting a burp out of your little thing is probably the greatest satisfaction I've come across. It's truly one of life's most satisfying moments.
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Estera leading global provider of fiduciary and administration services has taken over sponsorship of the 2018 Frostbite series following the acquisition of Heritage Financial Services Group, which previously ran the initiative.
The yachting event, organised by Royal Channel Islands Yacht Club (RCIYC), is a series of seven yacht races held between January and March each year. Estera's support will help towards the running costs for the event, prizes for the winners and refreshments for the participants of each race.
Mark Huntley, Director at the Heritage Group, said: "We have sponsored the Frostbite series for the past 10 years, and over this time it has evolved into the best-supported yacht racing series in the Channel Islands, with up to 24 boats participating in seven races. It is a fantastic event and we hope the series will go from strength to strength with new sponsorship, now as Estera"
Mel Torode, Operations Director at Estera said: "Having an impact on the communities in which we live and work is really important to us. The Frostbite series is a great event to be part of, and we hope our support ensures a successful 2018 for RCIYC and the participants."
Julia Schaefer, Rear Commodore (Sail), Royal Channel Islands Yacht Club, added: "The Frostbite Series maintains the challenge of racing in Guernsey during the harsher months, with a fantastic number of sailors rising keenly to the challenge each year. We have had superb support from Heritage over the years, without whose sponsorship this series would never have developed as well as it has, and we look forward to continuing our excellent relationship with Estera"
Heritage Financial Services Group will rebrand as Estera this January.
Keep up-to-date with the latest news, views and developments
from our teams across the Estera group.


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Radosa Hobby Farm Estate Auction
Listing ID#: 54132
|Sale Location
Merrill, MI 48637
|Sale Dates and Times
Sunday Nov 12, 2017 Completed
|Sale Type
|Live Auction
|Company Information
J Marsh Auctions and Estate Sales
Contact: Jason Marsh
Phone: 989-615-2170
Email: email@example.com
Website: www.jmarshauctionsandestatesales.com
GoToAuction.com ID#: 3243
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CASH OR LOCAL MI CHECK WITH PROPER I.D. CREDIT CARDS ACCEPTED with 3% Processing fee. ALL ITEMS MUST BE SETTLED IN FULL BEFORE REMOVAL FROM PREMISES. ALL ITEMS ARE SOLD AS-IS. NOT RESPONSIBLE FOR ACCIDENTS BEFORE, DURING OR AFTER AUCTION. ANNOUNCEMENTS MADE DAY OF SALE TAKE PRECEDENCE OVER PRINTED MATTER. NO BUYER PREMIUMS. LUNCH ON GROUNDS.
|Listing Information
Frank and Barb Radosa Hobby Farm/Estate Auction
Sunday November 12, 2017 @ 12:00 NOON
4084 Kane Rd. Merrill, MI 48637
HAVING MOVED FROM THE FAMILY FARM WE WILL BE SELLING THE FOLLOWING AT PUBLIC AUCTION. LOCATED: From S. Meridian Rd turn east on Laporte Rd. then 3 Miles to Kane Rd. Turn South on Kane rd. 600 ft. to Auction Site. From Freeland bring Freeland rd. to Kane rd. then south to auction site. Watch for signs.
Over 100 year old English Walnut and Chestnut Orchard and Farm. Multiple Outbuildings, Including Barns, Sheds, Drying Sheds, Garage, etc. Also contents of the Farm House.
Auction Features:
Husqvarna GTH 24K54 Riding Tractor with Blade and Trailer, 1940's Octagon Mobilgas Gas Station Sign Pole, Advertising Oil Cans, Antifreeze Cans, Metal Drying Shed, Many Orchard/Barn Ladders, Saginaw Bricks, Yamaha Gas Golf Cart, Lots of quality tools, Antiques, Primitives, Collectibles.
1940's Mobilgas Octagon Gas Station Sign Pole * Canedy-Otto Hand Crank Drill Press * Lightning Rods * Many Old Advertising Cans * Standard Cans * Standard Quart Oil Bottle * Tin Antifreeze Cans * Mobilube Can * National Milking Machine Bottle plus more * Many 5 Gallon Metal Gas Cans * Craftsman 5162 Vise * Reed #204 Vise * Toledo Scale and others * Hobart Slicer #1512 * Waterloo Engineer Tool Box * Engineer Tools/measuring Devices * Heathkit Tube Tester * 5' Tall Hardware Store Rotating Nut and Bolt Bin * Many Vintage Cameras * Gun/Ammo Catalogs and Books * Ropes of all Sizes * Multiple Old Rotary Phones * Cast Iron Decorations * Multiple Knives/Cleavers of all Sizes and Brands * Tons of Old Jars, Mason, Honey etc. * Two Large, Heavy Floor Safes * Vintage Glass Light Shades * Antique Sewing Machine * Many Wine and other Glass Bottles for Wine Making * Wine Corkers and Corks * Multiple Antique Foating Thermometers * Nut Crackers * NOS John Deere Decals * Military Gas Masks in Bag * Multiple Heavy Duty Metal Baskets * Wooden Bushel Baskets * Metal Egg Baskets * Wood Crates * Wood Boxes * Gallon Glass Jugs * Old Metal Religious Box with Cross on Door From Church * Oiler Collection * Vintage Bikes, BMX, Tricycles * Schwinn Twinn Double Seat Bike * Minibike Frame and Tires * Antique Stove/Oven * Old Street Lights * Street Sign * Stop Sign * Industrial Size Wagner Meat Grinder * Electric and Hand Crank Walnut/Corn Grinders * Metal Runner Sled * 2 Antique Washer Dryer Combos * 100's of Advertising Burlap Sacks all kept clean and dry in drum * Stainless Milking Cans * Antique Kelvinator Refrigerator * Church Pew Kneelers * Many Antique Ladders from Orchard and in Barn, Many differnt types, some very unique * Lots of Boards, All are dry and stored inside * Antique Farmhouse Windows * Multiple Advertising Yard Sticks * Pile of Saginaw Bricks * Statue of Mary * Vintage Hunting and Winter Jackets and Boots * Vintage Safety Glasses * Glass Gallon Jar Full of Guages * Antique Hand Braces * Plus Much More
Husqvarna GTH 24K54 Tractor, 54" Cut, 24 hp Kawasaki, Matching Trailer and Snow Blade, Low hours and in VERY GOOD CONDITION! * Aluminum Snowmobile Trailer Tandem Axle * John Deere 214 Tractor with Mower Deck * 23' Long Commercial Conveyor Single Phase with Two Roller Tables * Yamaha Gas Golf Cart (runs) * John Deere Sprayer * Other Sprayers * 1 Bottom Plow * Huge Lawn Roller filled with concrete * Brush Hog * Two Large Snow Plow Blades * Drying Racks * Large corrugated Metal Shed used for Drying (can be moved, its off the ground) * Concrete Outdoor Table * Picnic Table* Outdoor Chairs * Chicken Feeders * Walk in Cooler with Compressors * Plus Much More
Trimont 48" Pipe Wrench * Allis Chalmers Air Compressor * Bar Clamps * Many Cabinets, Drawers full of all kinds of stuff * Pulleys * Gears * Electrical * Screws * Nails * Nuts and Bolts * Lots of Hammers * Impact Tools * Electric Tools * Car Parts * Tractor Parts * Lots of Chains * Buckets full of Chain Hooks * Hydraulic Cylinders * Hydraulic Jacks * Bumper Jacks * Cherry Picker * Yale Chain Fall * Other Chain Falls and Hoists * Straps Tie Downs * Huge Band Saw * Ferrocharger Batttery Charger * Multiple C-Clamps * Masonry Tools * Electricl Wire * Heaters * Multiple Trailer Hitches * Lifetime Supply of Gloves, Two 55 Gallon Drums full of good clean work gloves * Many Garden Hand Tool, Rakes, Shovels, Axes, Hatchets, etc. * Many Old Cabinets * Desks * Shelving * File Cabinets with Drawers * Office Chairs * Drafting Stools * Drafting Table * Many Different Types if Rolling Industrial Carts * Car Ramps * Tractor Parts, Radiator, Lights * Bench Grinder on Stand * Metal Folding Chairs * Woodstove * Plus Much More
Household: The Household Items Were Already Packed so I wont Know what there is until they get unpacked for the auction.
Auctioneers Note:
This will be a fun afternoon auction with lots of good items for everyone. There will be plenty of parking so bring trucks and trailers. No sales tax and no buyers premium. Your attendance is appreciated. See Pictures and Future auctions at www.jmarshauctions.com. Also Auctionzip.com, gotoauction.com & Facebook
J Marsh Auctions
Sanford, Mi
Absentee Bids are excepted by calling above number
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Cheng Hoon Teng
Coordinates: 2°11′50.9″N 102°14′48.7″E / 2.197472°N 102.246861°E
The Cheng Hoon Teng temple (Chinese: 青云亭; Pe̍h-ōe-jī: Tshinn-hûn-tîng; lit. "Temple of Green Cloud"[1]) is a Chinese temple practicing the Three Doctrinal Systems of Taoism, Confucianism, and Buddhism located at No. 25 Jalan Tokong, Malacca City, Malaysia. It is the oldest functioning temple in Malaysia.[2]
The Cheng Hoon Teng temple is situated close to Jalan Tukang Emas, also known as "Harmony Street" because of its proximity to the Kampung Kling Mosque and Sri Poyatha Moorthi Temple.
The richly decorated Cheng Hoon Teng temple covers an area of 4,600 m2.
Featuring a magnificent main gate along Jalan Tokong, the Cheng Hoon Teng temple consists of a complex of several prayer halls, with a large main prayer hall dedicated to the goddess of mercy, Kuan Yin. Additional smaller prayer quarters were added later. One of these is dedicated to the Buddhist gods of wealth, longevity and propagation, while another houses ancestral tablets.
One of the most dramatic features of Cheng Hoon Teng temple is the seven-metre red flag-pole facing the left wing of the main prayer hall, which houses the remains of two of the three Kapitans who contributed to the construction of the temple. Across the road is a traditional opera theatre, which forms a part of the Cheng Hoon Teng temple complex.
The building conforms to the principles of feng shui. The complex is laid out to ensure a view of the river and high ground on either side.
The temple has a long history of association with the Kapitans China of Malacca, who headed the governance of the local Chinese community. Built in 1673[3] by Kapitan Lee Wei King with building materials imported from China, Cheng Hoon Teng served as the main place of worship for the local Hoklo (Hokkien) community. The main hall was built by Kapitan Chan Ki Lock in 1704. A rebuilding programme in 1801 contributed to the aesthetic and magnificent structural additions of the building, and was undertaken under the patronage of Kapitan China Choa Su Cheong, father of Choa Chong Long, first Kapitan China of Singapore.
In 1962, then abbot Seck Kim Seng ordained Houn Jiyu-Kennett, a Zen nun from England and the future founder of the Order of Buddhist Contemplatives, at this temple.
In 2003, Cheng Hoon Teng was awarded a UNESCO award for outstanding architectural restoration.[1]
See also[edit]
- ^ a b UNESCO Asia-Pacific Heritage Awards for Culture Heritage Conservation - Cheng Hoon Teng Main Temple
- ^ http://www.academia.edu/35472662/Persepsi_Pelancong_Asing_Terhadap_Tokong_Cheng_Hoon_Teng_Melaka
- ^ https://books.google.com.my/books?id=u4_4DAAAQBAJ&pg=PA133&lpg=PA133&dq=cheng+hoon+teng+temple+inscription+was+built+on&source=bl&ots=EoQLCn9Q6O&sig=rFSKzF5ecpPabF8bA41LKwV1f1U&hl=en&sa=X&ved=2ahUKEwj_k7-l2PDcAhUBfysKHT21BJo4ChDoATAJegQIAhAB#v=onepage&q=cheng%20hoon%20teng%20temple%20inscription%20was%20built%20on&f=false
External links[edit]
|Wikimedia Commons has media related to Cheng Hoon Teng Temple.


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I know you're jealous...but really this thumb nail was the best one...there are definitely 9 just ok ones :) She's a big fan though. Also, I've found when she has nail polish on, she tries really hard not to suck her thumbs... so this may be the method I use to start to break that habit before long.
Happy Easter again :)


text:
The Rhythm Method Has Always Worked For Me
by Dude
I don't know why everybody bothers with using all those fancy methods
of birth control. I have to say that the Rhythm Method has always
worked for me, so you can take your fancy-schmancy condoms and pills and
shove them up your ass.
When I look at the statistics from the "scientists," it says things
like, "The Pill is 95% effective, compared to below 60% for Rhythm Method."
Well, just look at my record and you'll see why the Rhythm Method is far
more effective than any "magical pill that prevents pregnancy" could be.
I've had sex, like, 7 or 8 times, and I've never gotten pregnant.
Not even once! That's 100% effectiveness!
Of course, it may be that my particular method is better than most people's.
"What's your secret, Dude?" I bet you must be asking yourself. Well,
I don't do things that differently from most people, really. I just
keep a steady rhythm (in, out, in, out) until I'm finished. I used
to play the drums in high school, so I have a really good sense of rhythm.
That's probably why.
In other words, you have absolutely nothing to worry about. Your
place or mine? Or we could just do it right here on the subway.
Tell the index to get lost, creep


text: Sam is a junior at HHS. He is a big NBA fan and loves basketball in general. Sam is also involved in DECA, He enjoys hanging out with friends and family. Sam's favorite subjects in school are history and science. This past summer, Sam traveled to Prague, Poland, Germany, and Israel.


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For Immediate Release - September 25, 2009
Siemon® Announces New RouteIT Cable Pathway Solution
Innovative wire mesh cable tray and mounting accessories developed to efficiently manage and route network cabling channels in overhead, underfloor or wall-mount configurations
Watertown, CT — Siemon is proud to announce their new RouteIT cable tray system including a comprehensive offering of wire mesh cable trays and mounting accessories. The RouteIT cable tray system delivers flexible and easily deployed pathways for overhead, under-floor and wall-mount applications in the data center and throughout the entire network infrastructure.
Siemon's RouteIT cable tray system is offered in an exclusive elliptical wire construction that increases the surface area of the tray cross-members by 400%, decreasing cable strain and deformation that can negatively impact cabling and overall network performance. Also available in standard round wire design, the trays feature a robust, all-steel welded construction for reliable support of maximum cable capacities. Both oval and round wire designs have rounded edges at all critical points and snag-proof "t-welded" top wire construction to prevent cable damage.
The wire mesh cable tray is supported by an extensive line of user-friendly RouteIT accessories. Multiple accessories maintain cable geometries and minimum bend radius requirements around corners and as cables enter or exit the pathways.. This line includes a Siemon-exclusive "vertical up" accessory that maintains proper bend radius as cables are routed upwards from under-floor pathways, protecting channel performance in mission critical data center applications.
Under-floor tray supports come in various configurations, including mounting pedestals, brackets for multi-level pathways and vertical supports designed to mount tray independently of raised floor assemblies. Also included is an exclusive seismic-rated under-floor mounting bracket that integrates both vertical pedestals and horizontal tray support into a single, easy to install unit.
Overhead mounting accessories enable center-mount hanging support for all tray sizes and side-mount trapeze-style clips, which can be individually removed and reinstalled to allow side-loading of cable. Triangular wall-mount brackets are also available for all tray sizes.
RouteIT cable trays are available in an array of sizes and configurations to support nearly any data center and network pathway configuration. Offered in convenient 9.8 ft (3 meter) sections, options include 2 in. (52mm), 4 in. (102mm) and 6 in. (152mm) tray depths and widths ranging from 4 in. (103mm) to 24 in (610mm). Standard tray finishes are pre-galvanized silver and black powder coat. Additional finishes are available upon request.
The RouteIT cable tray system was designed to integrate seamlessly with Siemon's VersaPOD data center cabinet and RS series racks. Combined with Siemon's high performance, end-to-end copper and fiber network cabling systems, this feature rich physical layer pathway creates a total data center infrastructure solution.
For more information on Siemon's new RouteIT cable tray system, visit: http://www.siemon.com/go/routeit
- About Siemon
- Established in 1903, Siemon is an industry leader specializing in the design and manufacture of high quality, high performance IT infrastructure solutions and services for Data Centers, LANs and Intelligent Buildings. Headquartered in Connecticut, USA, with global sales, technical and logistics expertise spanning 100 countries, Siemon offers the most comprehensive suites of copper and optical fiber cabling systems, cabinets, racks, cable management, data center power and cooling systems and Intelligent Infrastructure Management solutions. With more than 400 patents specific to structured cabling, Siemon Labs invests heavily in R&D and the development of Industry Standards, underlining the company's long-standing commitment to its customers and the industry. Through an ongoing commitment to waste and energy reduction, Siemon's environmental sustainability benchmarks are unparalleled in the industry, including 179% global carbon negativity and zero-landfill status
- Siemon Interconnect Solutions (SIS) is a Siemon business unit comprised of a team of dedicated technical sales professionals supported by Siemon Labs, mechanical, electrical and signal integrity engineers committed to solving industry and customer driven interconnect challenges. We provide custom network infrastructure solutions to: OEM's, Leading Manufacturers, Value-Added Resellers and System Integrators.
- Press Contact:
- Betsy Conroy
- firstname.lastname@example.com
- (860) 945-4200


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DRDLR awards R235m to emerging farmers
THE Department of Rural Development and Land Reform (DRDLR) approved R235 million for emerging farmers to acquire land to ease congestion in communal and state land across five provinces and boost food security. This is according to the department's acting chief director:strategic communication, Sivuyile Mangxamba. He says the DRDLR spent an additional R69 million for farm recapitalisation.
According to his statement an estimated 145 permanent jobs are expected to be created from the 13 projects, with an additional 1 114 temporary jobs. Mangxamba says a total of 41 252 hectares were acquired in five provinces across the country under the Proactive Land Acquisition Strategy (PLAS).
The PLAS seeks to acquire strategically-located land for redistribution to emerging farmers.
The acquisition approved will contribute towards achieving the development goals espoused in the National Development Plan. The department acquires farms through the PLAS. The acquisitions approved will contribute towards achieving the development goals as espoused in the National Development Plan.
According to the minister of Rural Development and Land Reform, Gugile Nkwinti, this will go a long way towards fast-tracking service delivery in rural areas.
The applications indicated that most emerging farmers wanted to pursue livestock farming, crops, vegetables, game and poultry.
Funding applications were also used to purchase machinery, trucks, bulls, pregnant heifers and pack houses among others. – News24


text:
Modern Assistance Program's Teen Wellness Group is for adolescents aged 13-18 who would like help with managing emotions, increasing coping skills, and distress tolerance skills.
Who is this group for?
-Adolescents between the ages of 13-18.
-Member's dependents who are covered by their Local Union benefit health plan.
Who facilitates the group?
-Trained & licensed mental health counselors.
Who can make a referral?
-Parents or outpatient providers.
Is there a cost?
-The group is provided at no cost to covered union member's dependents.
How can I make a referral?
To make a referral, please contact Courtney Daruszka @ #617-774-0331, ext. 218.


text:
From back cover:
A Galaxy in Flames...
A World Without End...
A Power Beyond Measure...
User Summary (Shijuro):
Based on D6 System
A dying empire discovers an ancient Dyson sphere ("Septimus"), complete with planets orbiting the sun inside. The entire inside surface of the sphere is livable with artificial gravity (a habitable surface area equivalent to many millions of worlds). But other factions have found it also and are trying to recover ancient advanced technology and struggling for control of Septimus.
This game has Space Opera elements outside and inside of the sphere. Characters can use cyberpunk technologies, psionics and mysticism.
Games reviews: Septimus; Shard Welcome Booklet; Undead States of America.


text:
Leadership Lesson: On Setting Great Expectations By Joe Tye
There is a scene early in J.R.R. Tolkien's book The Hobbit that sets the stage for the entire story. Gandalf the wizard has agreed to help Thorin and his band of dwarves recover the treasure that was stolen from them by a fire-breathing dragon.
The dragon has hoarded the treasure deep in a cavern at the bottom of a mountain, and the dwarves need a burglar to sneak in to tell them where the dragon is so they can recover the treasure without being caught.
Gandalf introduces them to Bilbo Baggins, the hobbit. Now, hobbits are short and fat and they love nothing more than eating, drinking and sleeping. Thorin, the mighty king of the dwarves, looks down at the little hobbit and sniffs, "Why, he looks more like a grocer than a burglar."
Gandalf replies that there's more to Bilbo than meets the eye, that in fact there's more to him than even he sees in himself.
The rest of the story is the story of little Bilbo Baggins striving to live up to the expectation created for him by Gandalf the wizard at the very start.
By story's end, it is Bilbo who has become the real leader of the group.
Joe Tye is president of Paradox 21 Inc., which provides corporate training and culture change initiatives based on a proprietary curriculum of The Twelve Core Action Values of Personal Leadership Effectiveness. He is also the author of several books and audio programs on personal, career, and business success, and a popular motivational speaker. Visit www.JoeTye.com.
-Have you ever had anyone set greater expectations for you than you set for yourself originally? What kind of impact did it have on your performance? What would you like to share about the article above?
Sponsor: Dr. John C. Maxwell's Learning The 21 Irrefutable Laws Of Leadership DVD Training Curriculum – You and your team will get clear insight into timeless leadership principles and learn a process for continual growth in the life of your organization. Order your copy of this powerful leadership training program.


text:
January 26th, 2012
Win a trip to see Drake in Los Angeles
Enter here every day for a chance to win a 2-night trip for 2 to Los Angeles to see Drake in concert. Our little boy from Degrassi has made it big. Who saw that coming? Good Luck!
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text:
We are pleased to announce that Peking University (PKU) will host the 2015 Chinese Astronomical Society (CAS) Annual Meeting.
The CAS annual meeting is the most important meeting for the Chinese Astronomical Society. The 2015 meeting will be held at the PKU main campus on October 19-21, and organized by the Kavli Institute for Astronomy and Astrophysics and the Department of Astronomy at PKU. One of the main goals of the 2015 meeting is to bring together all Chinese astronomers to seek future collaborations between universities and the institutues of the Chinese Academy of Sciences. This annual meeting will cover cutting-edge topics in all branches of astronomy, as well as education and public outreach.
For more information, including organizing committees, registration, lodging, programs, etc., please check the meeting website http://2015casmeeting.csp.escience.cn.
Jie Yao: 13167555786, email@example.com
Linhua Jiang: 18518026102, email@example.com
Hongyu Meng: 025-83332036, email@example.com


text:
Samsung has officially announced its two new Yepp music players, the YP-U4 Litmus and the YP-Q1 Diamond, which we have seen before.
The Samsung YP-U4 Litmus comes with 2GB or 4GB of capacities. It features a 1-inch OLED display, support for MP3, WMA and OGG audio formats, built-in FM tuner, DNSe 2.0 and 16 hours of battery life.
Samsung' sYP-Q1 Diamond claims to offers the "World's Best Sound Quality." It has a 2.4-inch 320×240 display, DNSe 3.0, support for WMV, MPEG-4 video and MP3, WMA, OGG, FLAC music. It will be available in 4GB, 8GB or 16GB capacities.


text:
2610 Ranger Rd, Saratoga WI 54494 Sold for $72,000 on 07/24/2017
Features of 2610 Ranger Rd, Saratoga, WI 54494
- Residential Home
- Status: Sold
- County: Wood
- Bedrooms: 2
- Full Bathrooms: 1
- Est. Square Footage: 936
- Acreage: 0.9
- Subdivision: Na
- Elementary School: Woodside
- Middle School: East
- High School: Wisconsin
- Property Taxes: $123,585
- Property Tax Year: 2016
- Listing Company: Ebbe Realty
Property Description for 2610 Ranger Rd, Saratoga, WI 54494
2610 Ranger Rd, Saratoga, WI 54494 - This home needs some work, but could make a good investment property or a fixer upper for the right person. Needs TLC. Offers 2 bedrooms, 1 bath, living room, kitchen and dining room.
Room Dimensions for 2610 Ranger Rd, Saratoga, WI 54494
- Master BR: 9.0 x 11.0
- BR 2: 12.0 x 13.0
- Kitchen: 9.0 x 10.0
- Living Rm: 14.0 x 19.0
- Dining Area: 9.0 x 8.0
- Utility Rm: 0.0 x 0.0
- Partial
Interior Features
- Heating/Cooling: Central air, Forced air
- Water Waste: Non-Municipal/Prvt dispos, Well
Building and Construction
- Ranch
- 1 story
- Exterior: Deck, Patio, Sprinkler system
- Construction Type: E
Land Features
- Waterfront/Access: N
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text:
We started out with a delayed fight at Dulles Airport! Ugh. But we made the best of it and went on a tour of the Aviation Museum.
Waiting for the bus...
With a platypus!
Nick and Ted walking into the museum. Notice the red and white stripe shirt on Nick? I highly recommend this for travel...anything bright and easily noticeable. I was always able to find him quickly in a crowd.
My two best boys!
Ted with his camera!
Yes! This place is HUGE!
Nick standing next to a mini United plane.
Back to Dulles Airport with still some time to waste. One of the store clerks told of a secret way to our gate! We laughed and thought she was kidding, but this was what it looked like! We only saw air flight crews and airport staff!
Nick's view out his window. We flew in daylight for the entire 14 hour flight! Amazing, right?
Our friendly neighbor! The flight was filled with numerous families...thank goodness!


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Bringing compassion into classrooms to foster wise teens through mindfulness meditation is taking root in Berkeley, California. Vlad Moskovski, Yoga teacher and one of my Yoga Therapy students is making a big difference in the lives of teenagers. His first pilot program was so successful that he is being asked to expand the program to more high … [Read more...]
Compassion Makes Better Leaders
YOGA: The Art of Transformation
Last weekend Eleanor Criswell, former president and current member of the Board of Directors of the International Association of Yoga Therapists (IAYT) and I went to the "Yoga: The Art of Transformation" exhibit currently being held at the Asian Art Museum in San Francisco. We also attended the panel discussion "The Ancient Science of Yoga" … [Read more...]
Yoga Lowers Fatigue, Inflamation in Breast Cancer Survivors
Nicole DeAvilla discusses the Yoga research published in the Journal of Clinical Oncology. Simple Yoga practices reduced inflammation and fatigue and had other health benefits. Nicole also discusses what kind of yoga they practiced. Lead Researcher: Janice K. Kiecolt-Glaser … [Read more...]


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The Fifth Niyama: Faith in a Higher Power
As we tap into the fire of tapas and learn more about ourselves through the practice of self-study, we begin to strip away layers of ego. Eventually, we reach a point beyond our intellect, and at that point, we need faith to go any further. This is the fifth niyama, called ishwara-pranidhana. The fifth niyama is … [Read more…]


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[caption id="attachment_3373" align="alignnone" width="620"] Alanna Clair and Shari Klevens.[/caption] As part of the process of renewing or replacing legal malpractice insurance, law firms are typically required to complete an application. Law firms that treat the application as a formality and fail to give the application the proper amount of consideration, do so at their own risk. Indeed, an inaccurate response on the application can lead to severe consequences for the firm. The types of questions on an insurance application vary based on a variety of factors. Typically, the first application for insurance from an insurer is likely to be much more extensive than an application for the renewal of a policy. In an initial application, the insurer often seeks background information regarding the firm's practice that the insurer will use in deciding whether to issue a policy and in setting an appropriate premium for the coverage. A renewal application, on the other hand, typically asks whether any information has changed from the time the firm submitted the initial application that may affect the nature of the risk insured by the insurance company, such as the size of the firm or its main practice areas. The renewal application will also ask whether the firm has anything else new to report regarding claims or potential claims. While the applications may look different, the consequences for an incorrect answer can be the same for both initial and renewal applications. In particular, a misrepresentation on a policy application may justify the rescission of that policy, leaving the firm with no insurance coverage for a claim. Indeed, under California law, an insurer seeking to rescind a policy usually need only show that a misrepresentation was made and that the misrepresentation was material to the insurer's decision to issue the policy. Notably, it is typically not a defense that the misrepresentation was unintentional.
Innocent Insureds
Even more frightening is the fact that rescission typically applies to the policy in its entirety, and thus attorneys who did nothing wrong and who had no part in completing the application can lose coverage. Section 650 of the California Insurance Code specifically provides that, unless the policy states otherwise, "rescission shall apply to all insureds under the contract." The severe consequences of a misrepresentation were on display in a recent decision by the Illinois Supreme Court. In that case, the insured lawyer completed the firm's malpractice renewal application but failed to disclose a potential legal malpractice claim in response to a question asking whether any attorney was aware of a circumstance that might give rise to a claim. The attorney's partner was not aware of the potential claim. Subsequently, the client brought suit against the attorney and the firm. As soon as the partner became aware of the suit, the law firm tendered the suit to the firm's insurer. After learning that the attorney was aware of the potential claim at the time of the application, the insurer rescinded the entire policy, denying coverage not just to the attorney and the firm, but also to the innocent insured, the attorney's partner. Although the policy did contain an "innocent insured provision," the court held that it only protected innocent insureds from the application of exclusions (such as an exclusion for claims based on intentional acts), not rescission of the entire policy for all insureds based on misrepresentations by a single attorney on the malpractice application. The dissent expressed concern regarding the implications of the ruling, and particularly the "scope of the consequences resulting from the majority's holding on other law firms and especially midsize and large firms." The dissent further observed that "under the majority's view, a material misrepresentation on an insurance application could cause rescission of the policy as to each and every attorney, despite their reasonable expectations of continued professional liability insurance coverage. Furthermore, as the size of the affected firm increases, so does the potential harm to the public." Although this case was decided under Illinois law, it is possible that a California court would reach a similar result based on the application of Section 650 of the California Insurance Code. To stay on the safe side, many firms will ensure that they devote the time and resources needed to thoroughly complete the application.
Problem Questions
Although rescission can be based on any misrepresentation on an application, there are certain questions that commonly form the basis for rescission claims. Because of the importance of these questions to underwriting decisions, insurers may be able to demonstrate that a false or misleading answer had a material impact on their decision to insure. First, questions regarding the firm's knowledge of potential risks are important. Typically, these questions ask about claims that have been made and inquire whether the firm or any individual attorney is aware of circumstances that might give rise to a claim. Either an actual claim or a potential claim can be material to an insurer's decision regarding the issuance of a policy, potentially forming a basis for rescission. Next, insurers often rely on information regarding the size of the firm and its geographic locations in analyzing whether to issue a policy and in setting the premium. While these questions may seem mundane, it is important to verify the number of attorneys, the role each plays as a partner, associate, of counsel, staff counsel, and each attorney's full-time or part-time status. Finally, questions regarding the nature and scope of the law firm's practice are important. Some insurers refuse to insure, or impose special exclusions and limitations on, certain practice areas such as intellectual property, environmental, or securities law. If a firm fails to list one of its practice areas on an application, the policy could be subject to rescission. The lesson is clear: take the insurance application seriously. The potential inconvenience of confirming the total accuracy of an insurance application is greatly outweighed by the potential consequences of an inaccurate application. Shari L. Klevens is a partner at Dentons US and serves on the firm's US Board of Directors. She represents and advises lawyers and insurers on complex claims, is co-chair of Dentons' global insurance sector team, and is co-author of "California Legal Malpractice Law" (2014). Alanna Clair is a senior managing associate at Dentons US and focuses on professional liability defense. Shari and Alanna are co-authors of "The Lawyer's Handbook: Ethics Compliance and Claim Avoidance."