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Part of an agent's job is to find the best solutions to protect a client's assets, even in the worst-case scenario. For high-net-worth individuals, specialty carriers are often required for home, auto and personal liability insurance. Getting the right coverage for a client's needs can help protect them against unexpected losses, and prevent clients from overpaying to be underinsured.
However, there are many basic questions that are often overlooked by clients to determine if high-net-worth-specific insurance is needed. Looking out for a client's best interests, agents should ensure that the following questions are addressed in order to find comprehensive coverage that protects clients against life's unexpected risks.
ACE Private Risk Services has compiled ten questions agents can use with HNW clients to educate them about the most likely areas where they are overpaying for coverage that still leaves them underinsured. Click through the following slides to learn more.
1. Do you have umbrella liability coverage, and have you chosen a coverage amount that matches your net worth and future employment income stream?
Many HNW families assume that the liability coverage in their homeowners and auto policies will protect them if someone is injured on their property or in an auto accident they cause. They are right, up to a point. The liability coverage limits in these policies will usually pay up to $300,000 and rarely more than $500,000. These amounts will be sufficient in most cases, but jury awards and settlements can reach into the tens of millions of dollars.
Moreover, in today's economic and political environment, families with substantial assets are more likely than usual to be targets of these multi-million-dollar lawsuits. Their wealth represents the proverbial "deep pockets" that lawyers are trained to pursue. Without sufficient protection, families could be forced to sacrifice their home, savings and investments, and future income stream from employment to pay damages in excess of their liability coverage.
Umbrella liability coverage protects the families' net worth and lifestyle in the case of a financially ruinous lawsuit. It steps in when the liability coverage in the homeowners or auto policy has been exhausted. Coverage can be purchased through carriers that specialize in serving HNW families, usually starting at $1 million, and going as high as $100 million.
Surprisingly, the cost per million dollars in coverage can amount to only a few hundred dollars. This cost can often be offset by taking a higher deductible and bearing more responsibility at the low end of risk.
2. Will your homeowners' policy pay to rebuild your home with similar quality materials and craftsmanship no matter how much it costs?
Many families believe that their homeowners' policy will pay to fully rebuild their home if it burns down or is otherwise destroyed by a covered cause of loss. But the reality is that most homes in the U.S. are underinsured.
The extent of this problem is supported by an annual study conducted by MSB, a leading worldwide provider of building cost data and estimating technology for the property insurance industry. Its 2012 study estimated that 61 percent of American homes are undervalued for the purpose of insurance.
While mass-market policies may provide a buffer of 20-25 percent above the coverage limit, it is often not enough. The problem can be solved by seeking policies from carriers that specialize in insuring high-value homes. In all but a few states, these policies offer a kind of coverage known as "full replacement cost," which promises to fully rebuild the home with similar quality materials and craftsmanship no matter how much it costs in relation to the coverage limit in the policy. In effect, this coverage shifts the responsibility for properly estimating the cost of replacing the home to the insurance company. Therefore, the carriers will often send an expert to the home to document its features and estimate the replacement cost. The visit also gives the expert a chance to suggest ideas for better protecting the family and the home.
3. If you recently expanded or upgraded your home, did you discuss it with your insurance agent?
Adding a room, finishing the basement with a lavish entertainment center, expanding the kitchen or bathroom, and other major remodeling will materially affect the cost of rebuilding the home if it is destroyed. If the homeowner didn't inform the agent and have the coverage limit for the home raised appropriately, the home could be underinsured.
The personal property could be underinsured, too. The amount of personal property coverage is typically set as a percentage of the home structure value listed on the policy. If the homeowner purchased additional or upgraded furnishings as part of the remodeling but didn't adjust the home value, he or she may not have enough personal property coverage.
The best course of action is to inform the insurance agent before remodeling starts. The agent will be able to discuss appropriate coverage levels after completion as well as special risks to address during the course of construction, especially if the owners reside elsewhere while the work is being done.
4. If you own a significant amount of jewelry, artwork, fine wine, or other precious items, have you insured them with a valuables policy and made sure to account for any change in value from year to year?
Families with substantial assets often hold a significant portion of their total wealth in jewelry, art, wine and other valuable collections. In an ACE study about collections among households with at least $5 million in investable assets, 94 percent claimed to be collectors.
Many families do not realize that their homeowners' policy restricts the amount it will pay for jewelry, silverware, furs, stamp and coin collections, and breakage of fragile items such as marble statues, musical instruments, and bottles of fine wine. The special limits of coverage in standard policies may equal only one or two thousand dollars. In special policies geared toward the HNW, the limits are higher, but they exist nonetheless. Thus, for HNW families, who may have collections valued in the hundreds and sometimes millions of dollars, the risk due to not having additional protection can be significant.
To gain the best protection, HNW families should seek the added protection of a valuables policy for their collections. Often known as scheduling an, a valuables policy allows the collector to declare the value of each piece, or group of pieces, on the policy. The coverage applies to all types of perils, including those excluded by homeowners' policies such as flood. Also, no deductible applies.
Policies from HNW-market carriers have additional advantages. They provide a buffer against temporary fluctuations in the replacement cost of valuables articles by paying market value up to 50 percent higher than the scheduled amount of coverage in case of loss. Standard policies do not. In fact, some may pay even less than the scheduled amount if an actual cash value clause is in effect.
5. Do you have at least $1 million in uninsured/underinsured liability protection, and does it apply to more than vehicular accidents?
One in seven drivers has no insurance, according to the latest nationwide statistic from the Insurance Research Council. In some states, the ratio can be one in four. Due to the difficult economy, many more may have only the state-required minimum level of liability insurance, which can be as low as $20,000 or even $10,000.
The danger from the uninsured and underinsured goes beyond auto accidents. Consider a child flying off a neighbor's trampoline and suffering a permanent brain injury requiring life-long care. The expenses for medical treatment and care could amount to millions of dollars. To address this risk, families can purchase additional uninsured/underinsured liability coverage as part of an umbrella policy from a HNW-market carrier. Coverage typically starts at $1 million for as little as $100 in annual premium, with options up to $10 million. The family should check that the coverage is not limited to vehicular accidents. This coverage can also help when traveling abroad because it extends worldwide.
6. If you employ household staff such as a nanny, caretaker, or chef, do you have employment practices liability insurance?
The standard liability coverage in a homeowners or umbrella insurance policy does not apply to lawsuits brought by domestic employees for wrongful employment practices. These practices include discrimination, sexual harassment, wrongful termination, and other claims. Disgruntled former and current employees may file baseless suits, hoping you will settle to avoid onerous legal expenses and possible damage to your reputation.
Adequate protection requires employment practices liability coverage, which may be available as a separate policy or as an optional endorsement to an umbrella policy. This coverage will pay for damage awards and legal fees to defend against even groundless suits.
7. If you serve as an unpaid board member of a charitable organization, do you realize the organization's insurance program may not fully protect you from liability lawsuits brought against it?
To their credit, HNW families contribute a significant amount of their money and time to charitable organizations. In a survey commissioned by ACE among households with $5 million or more in investable assets, 62 percent of respondents reported serving or having served as a volunteer board member or trustee of a not-for-profit organization. Among this group, 35 percent did not have directors and officers insurance to protect them, and another 10 percent were unsure if they did.
These volunteers may have not realized that their good deeds exposed them to the threat of liability lawsuits. Volunteer board members can be held liable for the actions or inactions of the not-for-profit organization. While the organization may carry insurance to protect itself, a limited budget typically prevents the purchase of a gold-plated insurance program. Coverage limits may be inadequate to cover some lawsuits. Moreover, in a difficult economic period when not-for-profits may be forced to trim paid staff, the risk of wrongful termination and other wrongful-employment-act lawsuits rises.
Charitable directors and officers insurance offers protection if an individual serves as a volunteer board member of a charitable organization against some of the more common types of lawsuit threats.
8. Have you recently evaluated the potential for reducing the cost of your insurance program by raising your homeowners and auto policy deductibles?
Many HNW families with mass-market homeowners and auto insurance policies carry deductibles of $250, $500 or $1,000. Ironically, they pay a substantial amount in premium for such low deductibles, but when they have a minor fender bender, they won't file a claim for two reasons: 1) they're worried their insurance rates will go up, and 2) paying to repair the damage entirely out of their own pocket is relatively affordable for them.
Instead, they should consider how much they can pay out of pocket without significantly affecting their lifestyle. Then, they should ask their agent to estimate the premium savings associated with a range of deductibles up to the maximum amount. In this manner, they can assess the trade-off between risk and savings.
The savings are often substantial. Using the ACE Platinum Portfolio policy as an example, the annual savings in premium for insuring a million-dollar home with a $2,500 deductible versus a $500 deductible could be about $900. So, the family must decide if they are willing to risk paying an additional $2,000 for a loss ($2,500 -$500) to save $900 per year in premium. Since ACE's typical client files a claim for a home only once every 21 years, taking the higher deductible would be the better choice. The total premium savings would come to $18,900 over 21 years, far outweighing the additional $2,000 paid at the time of the one loss.
9. Have you consolidated your homeowners, valuables, auto, watercraft and umbrella liability policies with a carrier that offers a package discount?
Enticed by promises of savings from heavily advertised auto insurance carriers, even high net worth families can find themselves tempted to place their auto insurance with one company and their homeowners insurance with another. But the apparent savings can be illusory. Spreading the policies across different carriers not only increases the potential for gaps in coverage, it can diminish or negate the package discounts achieved when multiple policies are placed with one carrier. These discounts can be 10 percent or higher.
To maximize the benefits of package discounts, families should choose a carrier that can handle a wide range of needs so that the discount applies across the most insurance policies possible. For instance, ACE Private Risk Services allows the package discount to apply across home, auto, valuables, umbrella liability and watercraft policies. Additionally, the policies often can be written as part of one package with common term dates and one consolidated bill, saving the client time as well as money.
10. Have you and your agent discussed all the safety and loss prevention devices in your homes and autos?
HNW families frequently fail to get credit for alarm systems and other loss prevention measures protecting their homes and vehicles. Often linked to a central monitoring station or local authorities, typical systems in the home can include: burglar alarms; fire alarms and sprinkler systems; electrical back-up and lightning protection; temperature monitoring; water leak detection with automatic water shut-off; gas leak detection.
When combined, credits for such systems can exceed 30 percent of the base homeowners premium—a substantial savings.
Typical systems in automobiles include alarms, fuel cut-off switches, hood locks, steering locks, transmission locks, ignition cut-off switches, and location transponders. Depending on the sophistication of the devices, discounts can range from 5 to 20 percent on the comprehensive auto coverage premium.
Check out these stories on ThinkAdvisor:


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Euronext N.V. digital currency board was launched on March 3, 2019. At 8:00 a.m. on May 17, it landed on the NASDAQ large screen, the landmark building of New York Times Square. This announced to the world that Euronext has entered the block chain field. The currency board is expected to open registration transactions in the Asian region in early December. This activity is a strong combination of Euronext and Swiss bank, aiming to build a digital currency exchange with real privacy security, asset security and information security. As soon as the news came out, countless senior players in the currency circle couldn't wait to participate.
The Euronext N.V. digital currency sector inherits the confidentiality, security, smoothness of UBS and the huge resources of Euronext. No matter how much money people have, no matter which country people are in, they can complete the transaction quickly and receive the account in real time through Euronext. The world's famous casinos and Euronext N.V. also have long-term strategic cooperation, so they can directly complete the code change, realization and other links.
In today's competitive society, not all things can get enough resources, better development, so that can be able to exist in the industry easily. On the contrary, only the natural law of survival of the fittest can compete for more excellent products and stand out from them. In the competition of many trading platforms, Euronext can own a space is related to its original intention of serving investors. Euronext is a security trading platform at the national defense level.
With the gradual development of the exchange, Euronext is also facing various opportunities and challenges. In the face of these challenges, Euronext has always faced difficulties with the vision of its leading era. With the passage of time, the current Euronext has become a synonym for public praise and popularity.
Media ContactCompany Name: Mbsc.sdContact Person: John SuEmail: Send EmailCountry: United StatesWebsite: https://www.yshanpay.com

subset: commoncrawl


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Hamilton's speed boosts brilliant Bailey, Reds
In debut, steals second, scores lone run; righty stifles Cards again
CINCINNATI -- With the Reds and Cardinals scoreless in the bottom of the seventh Tuesday night at Great American Ball Park, Billy Hamilton got the order he was waiting for. One day after joining the Reds as a part of September callups, Hamilton was told to take over as a pinch-runner after Ryan Ludwick opened the inning with a single, and the message from manager Dusty Baker was simple.
"I need you to get to second base," Baker told Hamilton.
So in his Major League debut, that's what Hamilton did, stealing second after three consecutive pickoff attempts. Three pitches later, on Todd Frazier's double down the left-field line, Hamilton scored the decisive run in a 1-0 win over the Cardinals.
"At first base, I haven't been that nervous in a long time in my life," Hamilton said with a smile. "When I got on first base, I had chills running down, but I knew I couldn't be afraid. This was a big situation, so I knew I had to get to second base because it was my job, and it happened for me."
And it couldn't have happened at a better a time.
With the win, combined with a series-opening victory Monday, the Reds have moved to within 1 1/2 games of the second-place Cardinals in the National League Central and remained 3 1/2 back of the first-place Pirates, who also won Tuesday. Cincinnati and St. Louis hold the two Wild Card spots.
Hamilton entered the game well aware of its importance, and after Homer Bailey tossed seven scoreless innings, Hamilton knew exactly what he needed to do. So did the roughly 20,000 Reds fans who rose to their feet when he took first base, and so did the Cardinals.
"I didn't send him out there to paint," Baker joked. "There was no secret."
Hamilton's reputation precedes him after he set a professional record with 155 stolen bases in 2012. That speed is what made Baker think he could be an asset in the pennant race, and Hamilton's new teammates were happy to have him around.
"It's a pretty exciting game," said Frazier, who unsuccessfully tried laying down two bunts before his RBI double. "Watching Billy run -- I can watch that every day."
Hamilton only had a chance to deliver the game-winning run, though, because of the effort from Bailey. After shutting out the Cardinals for 7 1/3 innings Wednesday, Bailey was up to the task again and made it 14 1/3 straight scoreless innings against St. Louis. The 27-year-old right-hander allowed just two hits and one walk while striking out eight.
Tuesday's outing got off to a rocky start for Bailey, who gave up a base hit and a walk to the first two batters before escaping the first on a double play. He then hit Jon Jay with a pitch in the second and gave up a second single to Matt Carpenter in the third.
None of the Cardinals' early efforts materialized into runs, though, and Bailey made sure that was the case for as long as he was on the mound. Following Carpenter's single, Bailey retired his final 14 batters. He needed just 10 pitches in the fourth and another 13 in the fifth, when he struck out the side, before breezing through the sixth and seventh frames.
"There's a reason he's pitched a couple of no-hitters in his career," Carpenter said. "Tonight, he was able to throw all of his pitches for strikes. He did a great job of keeping us off-balance. He had two strikes on me in every at-bat. He was pounding the strike zone with quality pitches, and when you can do that, it's tough."
Unfortunately for the Reds, Bailey wasn't the only pitcher dealing.
Cardinals starter Michael Wacha, who pitched four scoreless innings in relief Wednesday against Cincinnati, also gave up a walk and a single in the first. However, like Bailey, Wacha recovered, and although the Reds scattered three more hits against him, he finished his day without allowing a run in six innings.
That's when the Reds finally took advantage, as Ludwick's leadoff single and Frazier's double off Cardinals reliever Seth Maness allowed for Hamilton to score and return to a celebratory Cincinnati dugout.
"They acted like we won the World Series," Hamilton said of his teammates. "These guys are just about winning and having a good time, so when I came in, being around those guys was like the best feeling ever. They congratulated me and I just thanked them for that. They're cool people."
Following the deciding seventh, Bailey wanted to remain in the game, but Baker went with left-hander Manny Parra for the eighth, setting up Aroldis Chapman, who hadn't pitched since Aug. 24. Chapman struck out the side in order for his 34th save.
The Reds have won four of their last six, and after going 4-10 to start the season series with the Cardinals, Cincinnati has taken three straight from St. Louis.
"Maybe the worm has turned hopefully in our direction," Baker said. "All that counts is this game that we played today. It's very important, especially when you're trying to chase them."


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About me
Winter running…just the miles or more?
Cycling winter training
Turbo trainer or rollers….the big question!
No one likes cycling in the rain
Ironman 70.3 Dublin 2016
The next big challenge
Rest day… well maybe not
Great triathlon, new PB but still room for improvement
Last weekend before Ironman 70.3, last pieces of work
To aero or not to aero…that is the question!
Countdown less than 24 hours
Hard to believe but Ironman 70.3 Dublin is done!
Experiences and tips
Why does the clock seem to speed up in transition???
Race day nutrition
Running moments
Dublin 2013 Marathon
New training plan
Two days in!
Balancing plan and the new born
Week one completed
Second week started!
Half way through the second week!
Days off are important
Toughest 13 mile run ever experienced
Second week done…now for the third!
Keeping the rest day in the back pocket
Inspiration will only get you part of the way
Watch out there's a runner coming!!!
Tough week three completed
Weather and music….a quandary
The mind is strong but the body is weak!
Cookstown Half Marathon and 4th week done!
Midweek and long mid week run completed
The night before the long run
Weekend long run, gels/electrolytes and inspiration
Week five done, 35 years old and a longer Sunday run
Week six has begun and new Nike's required!
Half marathon prep, no new nike's and Gerry Duffy
Groomsport Half Marathon completed and pace coming back!
New scenery always helps make a run interesting
Week six completed, week seven begun, a nice long weekend and a couple of runs
Different running locations, trying to fit in long runs and getting home!
Week 7 Completed, Running in Budapest and new Nikes bought!
Week eight begins!
Pushing the envelope
Rest day before long runs pay off
Week 8 comes to an end and a sub 40min 10k!
Week Nine begins!
Week Nine finished and half marathon series completed
Incredibly hard three weeks and nearly week 12 finished
Horrendous training run and week 13 begun
Two weeks to go and expectations being managed
After 16 weeks of training its done & somehow a nice surprise!
London Marathon
Here we go again!
Week two done and so far so good!
Early morning run routine helps week three
2 more weeks finished, only 11 more to go!
Its over and by hell it wasn't easy!!
To aero or not to aero…that is the question!
Turbo trainer or rollers….the big question!
Training Plans
London 2014 Training Plan
Week One 23rd December
Week Two 30th December
Week Three 6th January
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July 2017
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100 days
Fallen off, get back on
July 14, 2017
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Hot on the heels of monks on a just under 1,000 kilometre pilgrimage: the Monks' Trail is a long-distance cycle path from Bremen to Puttgarden on the island of Fehmarn (or vice versa). Cyclists are advised to step on it, lap up the noise of their slipstream and clear their minds, and then put their heart and soul into learning about what is now history.
Do you want to go on a pilgrimage on two wheels, or, even better, a varied cycling holiday that allows plenty of time to "change down a gear"? Whatever you decide, the Monks' Trail takes you on a journey back in time through the countryside and culture of northern Germany, past nature reserves, marshland and moors, water mills, through natural forests and with views of sprawling meadows. Along streets lined with thatched half-timbered houses that you will only find here, and through historic places to centuries-old fieldstone and brick churches that still dominate the northern German landscape, for instance St. Catherine's Church in Bliedersdorf on the route from Harsefeld to Stade or the oldest church on the Monks' Trail in Bornhöved on the stretch between Bad Segeberg and Plön. There are fascinating experiences to be had on the Monks' Trail: take a break from everyday life, get back to nature, enjoy the white sandy beach in Grömitz and explore. Find your inner child at the "Himmelspforten" Christmas village or visit Bad Segeberg, where important "battles" were fought in 1227 and again centuries later at the Karl May Festival. This is a pilgrimage with a heart and soul. You can even meet monks on the Monks' Trail – in Nütschau Priory at the end of a very long journey.
Total length of route: just under 1,000 km
Pilgrim hostels along the route?: Yes
Starts/arrival options: train stations in Bremen or Puttgarden on Fehmarn
Ends/departure options: Puttgarden on Fehmarn or Bremen
About the route: most roads are paved; gears are recommended for Holstein Switzerland; the route is completely signposted in both directions; signposted with a bicycle symbol, distance marker and the blue Monks' Trail logo
For information (in German) on accommodation, including those offering extra services for cyclists, bike hire facilities, repairs, electric bike charging stations, GPS data/elevation
and package deals, visit:
مجموعتي أزرار مفيدة لغرض التكبير في المتصفح:
تكبير: +
تصغير: +
يمكنك لدى عارض برنامج التصفح الحصول على المزيد من المساعدة من خلال النقر على الأيقونة:


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Environmentally benign coatings project wins national award
Posted by Andrew Careaga
A Missouri University of Science and Technology effort to investigate environmentally benign, corrosion-resistant coatings for military aircraft and other weapons systems has received national recognition from the U.S. Defense Department.
The Missouri S&T project was selected as a 2012 Project of the Year for the Weapon Systems and Platforms program within the Defense Department's Strategic Environmental Research and Development Program. The Missouri S&T project was one of four selected by SERDP for helping the agency "achieve its mission while improving its environmental performance," SERDP says in its announcement of the winning programs.
Led by Dr. Bill Fahrenholtz, Curators' Professor of ceramic engineering and a senior investigator in Missouri S&T's Materials Research Center, and Dr. Matt O'Keefe, professor of metallurgical engineering and director of the MRC, the Missouri S&T researchers worked with Dr. Eric Morris and Rich Albers, researchers with Deft Inc. of Irvine, Calif., to understand the corrosion-protection mechanisms for rare-earth-based corrosion coatings for use on military aircraft. These rare-earth compounds are believed to be less harmful to the environment than conventional coating materials.
Most coating systems used for military aircraft contain hexavalent chromium, a toxic and carcinogenic substance. In 2009, the Pentagon adopted a policy to eliminate the use of compounds containing hexavalent chromium.
The Missouri S&T and Deft team "have made fundamental discoveries in understanding how rare-earth compounds containing cerium or praseodymium inhibit corrosion," SERDP says. "Not only does the research of Dr. Fahrenholtz and his team represent a significant scientific achievement, it also exemplifies a highly successful collaborative effort between a university and private industry.
"The results of this project will provide direction for further development of rare-earth compounds as surface treatments and coatings for the military that will reduce the use of toxic … compounds while providing corrosion protection," SERDP says.
One of the coatings investigated in this project was a primer coating that contains a corrosion inhibitor based on praseodymium oxide. The corrosion inhibitor was developed at Missouri S&T as part of the thesis research of Morris under the guidance Dr. Jim Stoffer, Curators' Professor emeritus of chemistry, and the late Dr. Tom O'Keefe, Curators' Professor of metallurgical engineering.
Stoffer and Tom O'Keefe began research on rare-earth coatings at Missouri S&T in the mid-1980s through an effort funded by McDonnell-Douglas, which later merged with Boeing. After completing his Ph.D. at Missouri S&T, Morris was hired by Deft, which also licensed the rare-earth inhibitor technology developed at S&T. The resulting rare-earth primer is now used on several military aircraft, including F-15 fighters and Apache helicopters. The primer was cited by R&D Magazine in its 2006 R&D 100 listing of that year's most technologically significant achievements.
Working with Fahrenholtz and O'Keefe on the project were:
- Dr. Becky Treu, who worked on the project while a post-doctoral fellow at S&T. She is now an instructor at Moberly Area Community College in Moberly, Mo.
- Dr. Beth Kulp of Alton, Ill., who worked on the project as a post-doctoral researcher. Kulp earned a bachelor of science degree in chemistry from Missouri S&T in 2000 and a Ph.D. in chemistry from S&T in 2009.
- Dr. Surender Maddela, a research assistant professor in materials science and engineering at S&T.
- James Claypool, a research engineer in Missouri S&T's Materials Research Center.
- Daimon Heller of St. Paul, Minn., who worked on the project as a Ph.D. student and now works for 3M. He earned a bachelor's degree in ceramic engineering in 2006 and a Ph.D. in materials science and engineering in 2010.
- Will Pinc of Tucson, Ariz., who worked on the project while a Ph.D. student. He earned a Ph.D. in materials science and engineering from Missouri S&T in 2010 and is now a research professor at the University of Arizona.
- Simon Joshi of Hamilton, Ontario, Canada, who worked on the project as a Ph.D. student and is now a post-doctoral fellow at McMaster University. He earned a Ph.D. in materials science and engineering from Missouri S&T in 2010.
- Dr. Eric Morris of Deft Inc., who earned his Ph.D. in chemistry from Missouri S&T in 2000. He was one of the inventors of the rare-earth corrosion inhibitor used in the coating that was studied in this project.
- Rich Albers, a chemist at Deft Inc. who develops paint formulations.


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Kate and William on Mustique for Another Vacation
The two are said to be sunning themselves on the Caribbean island, with her parents nearby
Royal mom-to-be Kate is on a winter escape, enjoying the sunshine of a Caribbean vacation.
She and husband William are sunning themselves on the paradise island of Mustique.
They are staying in a luxury $28,000 villa, reports the U.K.'s Sun tabloid.
The island – which was popular with William's late great aunt, Princess Margaret, and is still hopping today with such celebrities as Mick Jagger – is a regular family vacation destination for the Duchess, whose parents, Carole and Mike, are said to be staying in a villa nearby.
Last year at this time, Kate and William stayed at Mustique's magnificent (and secluded) Aurora House.
This vacation comes at the same time Kate's office announced she is getting back into her public engagements.
On Feb. 19 she is due to check in on a facility run by one of her charities, Action on Addiction, which offers "a safe, secure and comfortable place for women to recover from substance dependence and receive additional support for other compulsive disorders."


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Easy money:
Unlock the GT40 Concept car from the Season 1 Official Races. You can buy it for
$150,000 then sell it for $185,000 to $195,000. It only takes about one or two
game days to sell it, for a $35,000 to $45,000 profit.
Quick start:
Get a six gear car. Top it out with the maximum HP, ten test it out in the Sega
Drag race. Make sure you get your car in a Manual Transmission. Start out with
sixth gear, and accelerate just before the last second. When you go up to 40
mph, shift down to third and make your way up the gears.
Free part/upgrade:
Purchase any part/upgrade for any car and have the exact amount of money in your
total money. You will receive the part/upgrade for free. For example, have
$10,000 total money and purchase a Tuned ROM upgrade priced at $10,000. You will
get the part for free with $10,000 still in your total money.
Nitrous Oxide:
To get the nitrous from the used parts shop, you will have to lose at the drag
races on a day ending with "5". For example, 305,15, etc. Return to the screen
for the parts shop after the drag race. It will now be 306,16,etc. There will be
a question mark at the end of all the parts, after the turbos. If your car has a
turbo or if it does not appear, get out then go back in and it should appear.


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In addition to unsigned draft picks Drew Beckie, Reed Matte, Daniel Withrow and Shawn Sloan, six more players will be fighting to make the Crew's roster ahead of the Black & Gold's first match against Chivas USA on March 2. The seven trialists' experience varies, but all have a shot of impressing Robert Warzycha this preseason.
Blake Brettschneider - It wouldn't be preseason if Brettschneider wasn't playing for a roster spot. Selected in the Second Round of the 2011 MLS Supplemental Draft by D.C. United, the forward impressed Ben Olsen enough to earn nine starts his rookie season to score one goal and record three assists in 15 total appearances with the Black-and-Red. Waived by D.C. the following offseason, Brettschneider earned a contract with the New England Revolution during preseason in 2012. The University of South Carolina product played in 17 matches for New England to find the net twice and notched one assist. He was released by the Revs in November.
Brettschneider played 23 minutes on Saturday against D.C. United, holding the ball up well and finding a way to create his own shot on a couple occasions. Brettschneider had a nice headed goal in the Crew's 11-on-11 scrimmage Sunday morning, putting Sercan Güvenisik's cross from the right flank into the net past Matt Lampson. If Brettschneider makes the roster, he could be a viable replacement for Tommy Heinemann to add depth to the Crew frontline.
Nate Bascom - What First Round SuperDraft pick Ryan Finley was to NCAA Division I in 2012, Bascom was to Division III while at Ohio Northern University. The tall, lanky forward scored 18 goals and tallied 18 assists in 2012 for the Polar Bears. In his four seasons at ONU, Bascom tied a school record with 56 goals while setting a new record for assists with 43.
Bascom only saw five minutes in Saturday's friendly, but has shown a decent ability to finish in shooting drills in training thus far in preseason.
Sercan Güvenisik - The 32-year-old journeyman forward joins Crew camp following a season with the San Jose Earthquakes. Güvenisik became the first Turkish player to play in MLS after a decade of playing in Germany and Turkey where he earned a reputation as a potent goal-scorer in the German second and third divisions.
Güvenisik stepped up to take the game-winning penalty kick Saturday and has shown his attacking abilities during training scrimmages, providing an assist to Blake Brettschneider in Sunday's training session. The Turkish forward would occupy a valuable international roster spot, which could make the decision to sign him a difficult one for the Crew.
Kyle Hyland - The diminutive midfielder/defender played in 72 matches over four years at IUPUI and has featured on Crew Soccer Academy teams in the past. During his collegiate career, the Bay Village, Ohio native scored 10 goals and notched 10 assists for the Jaguars, including eight tallies in 2012.
Hyland has primarily featured as leftback during preseason camp and has performed admirably at times when marking veteran Eddie Gaven in scrimmages. The Crew technical staff will be watching Hyland closely this preseason as the Black & Gold needs depth at fullback and Hyland may provide that as a non-Homegrown Academy product.
Hami Kara - The Turkish-born goalkeeper recorded six shutouts in two seasons at the University of Pittsburgh after posting a 34-6-2 record and earning NJCAA First Team All-American status in two seasons at Manchester Community College.
Kara hasn't seen any game action thus far during the Crew's preseason camp. He will battle with Supplemental Draft pick Daniel Withrow for the vacant third goalkeeper spot behind Andy Gruenebaum and Matt Lampson.
Konrad Warzycha - Warzycha joins Crew camp following two seasons with Sporting Kansas City. The Ohio State product missed extensive time during his rookie season due to injury, but returned in 2012 to help Sporting in its Lamar Hunt U.S. Open Cup campaign.
The son of Head Coach Robert Warzycha, the 23-year-old central midfielder will play with a chip on his shoulder during his trial to prove he's worthy of wearing Black & Gold next season. There will be no preferential treatment as his father observes every player fairly.
Krystian Witkowski - Coming out of Marist College, Witkowski made the Philadelphia Union's roster in 2012 after being taken in the Supplemental Draft. He was released in November after suffering concussion-like symptoms for most of 2012.
Witkowski provided a presence in central midfield in the second half of Saturday's match against United, partnering with rookie Wil Trapp. Witkowski handled most of the corner kicks against D.C.


text: Alfa Laval M10M Heat Exchanger Gaskets by HEX Supplier | Feb 23, 2018 | Alfa Laval, Gaskets | 0 comments Request a Quote for Alfa Laval M10M Heat Exchanger Gaskets Post Views: 148 Submit a Comment Cancel replyYour email address will not be published. Required fields are marked *Comment Name * Email * Website This site uses Akismet to reduce spam. Learn how your comment data is processed.


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Holly Springs, GA Retail Construction
Retail Construction Company Holly Springs
Selecting the right Holly Springs Georgia retail construction company to work on your project may seem daunting as it is one of the most important things that can make or break your project. You want to be sure that the company can do the proposed work, on time, on budget and with quality.
Because decisions made during the pre-construction phase affect both your schedule and budget, your Holly Springs retail construction team will effectively communicate and collaborate with you, your designers and architects from the start. We'll identify and address any potential design, permitting or procurement issues, which can save time and result in a lower overall project cost. Lovvorn has a great deal of experience working on local retail building projects throughout Holly Springs and nearby areas.
With Lovvorn, theres no guesswork on the job-site. Just well-planned and well-executed retail construction projects. Let's Talk – we'll tell you more.
Call Us for Retail Construction:
Office: (404) 814-5294
Retail Construction in Holly Springs Isn't Easy
As a leading retail construction company, Lovvorn Construction is ready to help. Over the years, Lovvorn Construction has worked with a variety of clients from a wide range of retail construction environments, including retail automotive and restaurants. For this market, we scope and customize each project according to the unique needs of our clients. Builds often include customer, service and office areas which we bring together in one seamless build.
How is Retail Building Construction Different?
Lovvorn Construction has an undeniable track record of building retail stores out on time & on budget, exhibiting exceptional communication skills, and following store plans to the smallest detail to make sure the store is built correctly the first time. During the process we recognize the reality of change orders and make sure each one is properly screened to verify its authenticity before confirming the pricing with our clients. Holly Springs Retail building codes
The construction industry is an ever changing environment making it necessary for one to adapt to current trends and technological advancements. Due to this reality, Lovvorn has developed an ability to adjust project schedules, business operations, and the services we provide to ensure that we exceed our client's expectations
What distinguishes the retail design-build process is the source of responsibility, combining both architect and builder into one entity. This allows the store or restaurant builder to assign actual numbers to the drawings throughout the design process and provides the owner with a more accurate "picture" of realistic project costs.


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B8349-001: Finance & Sustainability
R - Full Term, 02:15PM to 05:30PM
Credit hours: 3.0
Location: URI 326
Previous Terms Offered: Fall
Instructor: Bruce Usher
Prerequisite(s): B6300: Corporate Finance
Corequisite(s): B8306: Capital Markets & Investments
The primary objective of financial professionals is to provide a valuable service — whether it is investment banking, capital markets, commercial banking, or asset management — that earns a profit for the practitioner. Fortunately, the same financial services that generate a profit can simultaneously be used to create sustainable value for society. In recent years, for-profit financial services have been used to improve the environment, reduce poverty, advance developing countries, improve corporate governance, and develop social entrepreneurs. The core financial skills that are necessary to create a sustainable world are identical to the financial skills required to earn a profit in more traditional financial services, but the application of those skills is a new and challenging opportunity. This course will explore the theories and the practical applications which financial professionals can leverage to simultaneously earn a profit and have a positive impact on society. The specific areas we will examine are: Capital Markets (to address environmental issues), Commercial Banking (to reduce poverty), Project Finance (to reduce poverty and create infrastructure development), and Investment Management (to improve corporate governance in public companies and to finance socially responsible entrepreneurs).
Bruce Usher
Co-Director of the Tamer Center for Social Enterprise; Elizabeth B. Strickler '86 and Mark T. Gallogly '86 Faculty Director; Professor of Professional Practice
Bruce Usher is a Professor of Professional Practice and the Elizabeth B. Strickler '86 and Mark T. Gallogly '86 Faculty Director of the Tamer Center for Social Enterprise at Columbia Business School. Professor Usher teaches on the intersection of finance, social and environmental issues, and is a recipient of the Singhvi Prize for Scholarship in the Classroom, the Lear Award, and the Dean's Award...


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School district proposes changes to Accelerated Learning Academy model
January 13, 2009
Shortening the school day by 16 minutes and the elimination of the last two days of school were among the District's proposed changes to its Accelerated Learning Academies (ALAs) model.
The proposal, presented at the Pittsburgh School Board's Education Committee Meeting, comes after discussions and surveys of parents, teachers and district personnel regarding the future direction of the ALA model.
"While we are pleased with the growth in student achievement we have seen in the ALAs, as with any new program, we monitor and adjust based on information that we gather," said Superintendent Mark Roosevelt. "Today's proposal adjusts the ALA structure in a way that maintains its educational impact and utilizes time most efficiently."
The recommendation to reduce the student's day by 16 minutes will not affect instruction going forward since this time had been used to initially establish the school's culture of ritual and routines. Students who attend ALAs will continue to receive 20 additional minutes of instructional time compared with non ALA schools. Students will attend school for 7 hours and 10 minutes.
In order to reduce the school day by 16 minutes, the district proposes to reduce the amount of time students spend in homeroom as well as the time students use for transition between periods. Teachers will maintain an eight hour workday, gaining time at the end of the day for professional preparation, with the goal of more closely monitoring and meeting students needs.
Introduced at the start of the 2006-07 school year, the district's eight ALAs, which now in their third year, have seen significant gains in student achievement. On the 2007-08 Pennsylvania System of School Assessment (PSSA) exams, students attending the District's Accelerated Learning Academies (ALAs) achieved percentage point increases in proficiency or above at a rate 2.5 times greater than the district overall in Reading and 1.4 times greater in Mathematics.
Additionally, students in ALAs posted a 3.1 percentage point increase in advanced Reading and a 5.4 percentage point increase in advanced Mathematics over last year. ALA students also posted percentage point reductions in below basic 3.0 times greater than the district overall in Reading and 1.8 times greater in Mathematics.
Currently the America's Choice model is in use at the district's eight ALAs. The America's Choice model creates learning environments that engage students, provide order and structure, and support differentiated instruction. The America's Choice model offers professional development and training, on-site coaching, professional development and materials.
Upon opening the ALAs for the 2006-07 school year, the district worked collaboratively with the Pittsburgh Federation of Teachers (PFT) to reach an agreement where teachers agreed to remain at an ALA for three years. In preparation for the end of the original three year agreements with both America's Choice staff and the PFT, the district chose to evaluate the ALA model in cooperation with parents, District personnel, America's Choice and the PFT.
Surveys and information gathering sessions with staff revealed the following:
• Of the 166 parents interviewed in a telephone survey by an independent research firm, 82 percent stated that the ALAs have had a positive impact on their child's progress, 83 percent felt that the rituals and routines were effective, 87 percent noticed increased communications to parents. In addition, 70 percent or more noticed a positive impact on their child's behavior, academic progress and reading and writing abilities.
• A majority of ALA principals feel the extended year and day are essential to student growth, however, teachers expressed concerns with the extended day and year, citing the of lack attendance at end of year as other schools have concluded.
Principals and teachers agree that the district should build capacity internally to assume the responsibility to implement and provide professional development in order to sustain and grow the America's Choice school reform model. The board will vote on the proposal to reduce the ALA extended school year by two days and the length of the school day by 16 minutes at its Legislative Meeting, January 21.
The public can also review the 2009-10 Planning for Year 4 for the Accelerated Learning Academies presentation by visiting the Pittsburgh Public Schools web site at http://www.pps.k12pa.us, visiting the Division of Communications, Room 201, or by requesting a copy by calling the Parent Hotline at 412-622-7920.


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The bear market in Chinese stocks has scared away some, but others smell opportunity.
A new ETF targeting fast-growing Chinese Internet companies, called the KraneShares CSI China Internet ETF (KWEB), was listed on the NASDAQ Stock Exchange.
"KraneShares CSI China Internet ETF provides U.S. investors with an opportunity to gain exposure to China's growing internet sector with the cost efficiencies of ETF investing," said Brendan Ahern, Managing Director of KraneShares. "We see two powerful demographic trends driving China's internet sector: since 2000, internet spending by urban Chinese has increased 14% annually, and China's rural population continues to migrate to urban areas, further fueling internet usage."
A McKinsey & Company report showed China E-Tailing accounted for $190 billion in sales in 2012 and could reach as much as $650 billion by 2020.
"There are approximately 600 million internet users in Mainland China. Chinese internet company market capitalizations now rival the largest U.S. and global industry leaders; along with the potential for Chinese internet IPOs to come later this year, this is definitely a sector that warrants attention," said Zhigang Ma, General Manager of China Securities Index Co.
The FunD's benchmark is the CSI Overseas China Internet Index and contains between 20 to 30 stocks. All of the companies included are involved in Internet software and services. Krane Funds Advisors is based in New York City and serves as the investment advisor. KWEB charges annual expenses of 0.63%.


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Download>> PES Club Manager v1.0.0 Apk | 850 MB | Resumable Links | Requires : Android 4.2 and up |
Create your dream team in the new football game of the popular Pro Evolution Soccer franchise – PES Club Manager!
PES Club Manager
Game Review:
Over 5,000 licensed players and stunning 3D matches await you! Select and train your players, build your own clubhouse and give tactical instructions to your team to become the best club manager in the world!
・ 3D Matches Powered by Pro Evolution Soccer Console Game Engine
PES Club Manager uses the optimized game engine from the highly famed console video game Pro Evolution Soccer 2015. Realistic 3D matches and real time stats will help you lead your team to the top!
・ In-depth Real time Match Simulation
Change the strategy or control your team in real time. But do you have what it takes to become the champion? The realistic match simulation and real time strategic orders during the game are for true football fans!
・ Official License with 5,000+ Real Players Worldwide
PES Club Manager owns the official licenses with real leagues and clubs from Europe and South America. Over 5,000 existing real players wait to join your team! Test your ability against European Giants such as Bayern Munich, Juventus and Paris Saint-Germain.
・ Progress at Your Own Pace
You are in full control of the season. Play matches anytime, as many as you want at your own pace!
*PES Club Manager is a free-to-play app. No purchases are required. The purchase of in-game PES Coin can speed up game-play but ALL players can play the entire game for free. PES Coin purchases can help to strengthen the user's club faster. In-app purchase can be disabled by "limiting in-app purchases" on player's devices.]
- Install Apk
- Copy 'jp.konami.pesclubmanager' Folder to sdcard/Android/obb
- Launch the Game


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Killed It: Brandy Sings "His Eye Is On The Sparrow"!
"brandy singing his eye is on the sparrow during friday night live sing a rama 1-13-2012.." http://www.youtube.com/user/humbleisdaway
Please click the "Report" button below if the video on this page is not working properly.
Comments will only be displayed by verified emails. No Spamming or Racism.


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The Al Pollard Culinary Arts Program at Virginia Western will again offer popular non-credit cooking classes to the public. All classes meet on a Saturday from Noon-4 p.m. at the kitchen within the Claude Moore Complex: 109 N. Henry Street, NW, Roanoke (behind the Roanoke Higher Education Center). Cost is $50 per class payable same day as registering.
Available classes include:
- Cooking with Beer (Class #71815) – 10/11/14
- Bread Basics-What is Gluten? (Class #71826) – 11/8/14
- Dinner for Two-Basic Cooking Skills (Class #71830) – 11/22/14
- Gluten-Free Cooking (Class #71833 ) – 12/6/14
To register, complete the free-of-charge online application at https://apply.vccs.edu/oa/launch.action. If you have any problems with applying, call the Admissions Office at 540-857-7231 (press 9).
NOTE: Do not declare a major when completing the application. Indicate that you are a transient (non-degree seeking) student. Questions? Call School of Business, Technology and Trades at (540) 857-7272.


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Unit clerk (flipping through a Rolodex) "Hey, does anyone know Jenny's number?"
Dr. Grumpy: "867-5309."
A Blog detailing the insanity of my medical practice and the stupidity of everyday life.
I got it.
Sweet, was the unit clerk old enough to get the joke?
Yes. You had to. That compulsion would have been absolutely impossible to resist for any child of the '80s!
I would wonder what was wrong if you didn't
Thanks for the ear-worm!
Did the clerk phone the number?
And I will now be singing that song for the rest of the day! Thanks alot ;-)
I actually do that any time someone asks me for a phone number. I love it!
you can call me up for a date any old time
Ear-work, indeed! But you had to do it. Was the clerk aware of "Jenny?"
Hope you and the Grumpy clan stay safe during the storm, and that your pts take care as well! Who is evacuating Ed? Just wondering ...
Hopefully she got the joke. Did she ask for the area code?
Always sad when the person is too young to get the joke. Makes me feel old and dated when that happens.
My friend Jenny has the same phone number; how crazy is that?
Have a great day!
You really gotta be one of the "fun" docs to work with. Can just tell.
@Ms. Donna: I thought the Grump clan lived and worked on the left coast????? Or at least closer to it.
no one of our certain age could possibly have resisted that. No one.
I hope Jenny hasn't changed her number and you should've told the clerk that next time check the wall in the "for a good time call" section instead of the Rolodex. ;)
And now I'll be singing this for days...
No, you couldn't have resisted...
Thanks for the ear-worm ~
At least you didn't say, "Pennsylvania 6-five thousand.
Heh. This makes my day, here in hurricane land. I love 80s music.
The perfect response. I would expect nothing less from Dr. G.
Hehe, wonder if he got it?
I don't know where you live in the Us but - hope that you are well out of the storm zone!
That just made my night
Shouldn't it be written on the wall?
Nicely done.
A few months ago, a younger male FB friend of mine posted a mobile phone picture with a Solo cup with a girl's phone number on it and he said, "I got a number!" and it was 867-5309. Poor guy, too young to know he'd been had.
I have been singing that darn song in my head (at least during waking hours) and humming it...since reading this last night.
thanks Dr G . beats "henry the 8th I am..."
Kyla, are you sure he didn't know? I'm hoping he did know and the post was a joke, because otherwise as far as he knew he was giving the phone number of a woman he just met to all of his FB friends, which is quite alarming.
Best song ever!
Little Calf Creamery. Delicious homemade ice cream and food in Thousand Oaks!


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15 ways to make money, brainstorming, Business, business ideas, business thinking, Cricket House Studios, cricketdiane, Economics, how to make money, How To Start a Business, methods for making money, Money, money how to, money making, money thinking, principles of commerce, Principles of Economics, principles of money, Start Your Own Business, ways to make money
Fifteen ways to make money –
It seems that everyday there are many new products, new companies and new things being added to our lives that require money, as well. The ways to make money have a lot of different methods, products and processes but basically, if you're trying to think of the various ways to make money for yourself or for your household right this very minute – this list is for you (and me) – to use for getting some money making ideas started.
- Find what people want and sell it to them.
- Be paid for your time and skills.
- Produce something that advertisers support.
- Build an audience for some specific focus or theme.
- Teach classes and give seminars and workshops.
- Fix, build or prepare the things people need to have done.
- Give tours or host an event people like and want.
- Produce something fun, funny, informative, entertaining.
- Build a platform or way for people to connect with one another.
- Buy or manufacture something people need and sell for more than cost.
- Create or express something people can relate to.
- Provide a service that makes life easier or better for people.
- Make your money make money by loaning it or investing it.
- Become a celebrity, performer, expert, entertainer or spokesperson for.
- Build a business that makes money for you where others' time and talents build it.
- cricketdiane, 05-07-2018


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Today is Holocaust Remembrance Day. On Friday our newspaper ran a piece about the upcoming Greater Lafayette Holocaust Remembrance Conference, which featured the story of one of my former professors here at Purdue. As a former student, her story was especially touching to me, but I thought all of you would enjoy it. I've added some more information in sparse parts, taken from here.
Anna Berkovitz had a normal childhood until 1944. Now, years later, she still has nightmares of her family being taken from their home by the Nazis.
"I was 13 years old at the time when I was taken with my family to Auschwitz, just before D-Day," said Berkovitz, Purdue Professor Emerita of biology.
At the concentration camp, Berkovitz and her family faced grim odds of survival. Six hundred thousand Hungarian Jews entered the camp between May and September of 1944. In just three months, 500,000 were killed.
"The killing machine was so effective that names were not even taken when we arrived."
Berkovitz's grandparents, aunts, uncle, cousin and probably her father were among the victims of the genocide conducted by the Nazis.
Her survival, as Berkovitz says, can only be accounted for by a series of miracles. …
Anna and Elizabeth were taken to Camp-C in Birkenau. To this day Anna ponders how she survived six months of brutal treatment, harsh conditions, starvation and disease there.
In November 1944, Anna and Elizabeth were transferred to a slave labor camp near Magdeburg, Germany, where they were put to work in an underground ammunition factory. Ten days prior to the end of World War II, they were liberated by the Swedish Red Cross and taken to Sweden, where they spent three months in a sanatorium recovering from malnutrition and physical and emotional traumas. …
This year, Berkovitz will be attending the conference, but participating in these events brings personal pain.
"It's very difficult for me … to me it's just like it happened yesterday, so I don't need a conference to remember."
Still, Berkovitz recognizes and even asserts the necessity of the conference and sees participating as a duty.
"I think I owe it to the people who died to be remembered."
Berkovitz's story does not end in Sweden; rather, her rescue from tyranny marks the start of a new journey that defies the unthinkable trauma of the Holocaust.
In Sweden, Berkovitz maintains that she suffered from no depression or bitterness and looked forward to the future.
"I could have lived my life as a victim, but I did not," she said. …
In April 1946, Anna and Elizabeth emigrated to the United States. They arrived in Los Angeles pennyless and not speaking English. In order to resume her schooling, Anna worked as an au-pair for several years. During this time she completed four years of high school and four years of college, graduating from U.C.L.A. in January 1952 with a B.S. degree in bacteriology and with Phi Beta Kappa and magna cum laude honors. While working as a laboratory technician, Anna met Leonard Berkovitz, who was then a post-doctoral fellow at Caltech. They were married in June 1953, and their sons Dan and Kenneth were born in 1956 and 1960, respectively. During this period Anna worked part time in various cancer research laboratories.
In 1962 Leonard accepted a position at Purdue University, and the family moved to West Lafayette, Indiana. When Kenneth was in kindergarten, Anna decided to continue her formal education. She was accepted as a graduate student in the biology department at Purdue University. She was working on her Ph.D. thesis when, in 1967, she was asked to take a temporary teaching position to fill an unexpected vacancy in the department. This temporary position turned into a lifetime career of teaching, and while Anna never obtained her Ph.D., she earned a tenured position from which she retired in 2003 as Professor Emerita in Biology.
Anna's efforts as a teacher, her dedication to her students and to the discipline were amply recognized by her students, colleagues and the administration. She was selected by the students as one of the Top Ten Outstanding Teachers in the School of Science 14 times, she received the Murphy Award, the top recognition of teaching excellence by the University, and was given the Chiscon Award for outstanding teaching performance by the Biology department. Anna was elected to the Teaching Academy at Purdue and her name is in the Purdue Book of Great Teachers.
In her retirement Anna has more time to travel, attend theater, to be active in her Temple, and to winter in California. But, what she most enjoys is still interacting with young people, be it her own five grandchildren or students at the University. She currently participates in the University Honors Program, where she developed a new course, "The New Genetics – New Perspectives, New Dilemmas," which she teaches in the Fall semesters. …
Marveling at her accomplishments for the time – raising a family while entering a competitive career field as woman when it was rare – Berkovitz attributes much of her drive to a belief that humanity was good. Only a small group of evil was responsible for her painful experiences.
"Unfortunately, now I see that there are still evil groups of people in the world killing or wanting to kill innocent people just because they are different from what they are," she said. …
Though Berkovitz's story is one of inspiration, she still bears emotional scars.
"I have recurring nightmares that I'm told that I have to pack up and leave home … that's part of me; that's part of my existence."
Preventing scars such as these in others is a duty for Berkovitz; an obligation driving her to participate in programs such as the Holocaust Remembrance Conference.
"It's very relevant to what's going on in the world today."
I had Dr. Berkovitz for the Honors Genetics course (mentioned in the article) and for Human Genetics, and she was one of my favorite professors here at Purdue. You could tell she was passionate about the subject, and she did a great job of explaining genetics. In class she would encourage stimulating discussions on eugenics, genetic testing, gene patenting, and abortion.
When she overheard me telling another student about the Society of Non-Theists, she asked to be put on the mailing list and has attended all of our pro-evolution events (including my talk about the Creation Museum). From our class discussions, I could tell she shared my liberal views. She even once showed us a clip of Stephen Colbert talking about DNA, and we were the only two to giggle when he talked about Jesus burying the dinosaurs.
But in addition to being a great professor and skeptic, she was a wonderful person. She would always take time to talk to me about random articles in the news she thought I would be interested in. She encouraged me to shoot for the stars when it came to genetics. When I was still considering becoming a genetic counselor, she encouraged me to get a PhD, saying someone with my skills in genetics should be doing research or running the clinic. And when I had asked her to write me a letter of recommendation for grad school, I discovered that her husband had passed away just a week before. Seeing someone I looked up to so much distraught and crying was horrible. I quickly told her I could easily find someone else to do it, but she insisted – even when overwhelmed with grief, she wanted to help her students.
I always said that this is exactly how I want to be when I was 80 – compassionate, skeptica
l, witty, and still excited
about science. That was before I knew her history as a Holocaust survivor. To think that she became such a strong woman and wonderful scientist even through that tragedy is amazing. She's a role model to everyone, but especially to female scientists. I can only hope to be half the woman she is when I'm 80.


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Everything you wanted to know about SR-IOV in Hyper-V Part 4
So far in this series, we have discussed the "why" question, and identified three dependencies for SR-IOV in Hyper-V in Windows Server "8" beta:
- System hardware support in the form of an IOMMU device
- A PCI Express networking device which has SR-IOV capabilities
- A driver model to support both PF and VFs.
This part of the series adds one more major component to that list, and one minor one. The minor one is that the system must support SLAT (Second Level Address Translation). In the server ecosystem, you would be hard pushed to find a system which has an IOMMU chipset which didn't have a SLAT capable processor, so to almost all intents and purposes this is a non-issue.
The major component missing so far is system firmware, or BIOS. While we have a multi-page document shared with the hardware ecosystem firmware developers describing the necessary changes (and other minor dependencies), the details of that document are beyond what is necessary to understand SR-IOV from an end-user perspective. What you do need to understand though is that without those changes, Hyper-V cannot enable SR-IOV, even if we have chipset support in the form of an IOMMU device actually present.
There are a couple of things from the necessary firmware changes which permeate into the end user usage of Hyper-V which I will cover in more depth in a "debugging why SR-IOV isn't working" part of this series. For now I'll just say that one is PCI Express Native Control being transferred to the operating system, and the other is support for a chipset issue workaround.
We have been working with system vendors for a long time to make sure that systems are available for you to try out SR-IOV on in Windows Server "8". We are on the cusp of the next generation of release cycles from system vendors over coming months, and there will be much wider support in those latest generation platforms. However, for now, the numbers of systems which can be used are relatively limited. Certainly do not expect SR-IOV to work on desktop platforms (or laptops) due to the firmware requirements. This is very firmly (pun intended) a server based feature. For up to date details, you should contact your system manufacturer for information for BIOS versions and platform support on existing hardware. There are supported platforms available today from Dell, Fujitsu and HP, and other OEMs have systems in "best effort" support. Some of this information is listed in the release notes for Windows Server "8" beta.
One thing I would point out though is that some BIOSs we have seen have more than one place where SR-IOV must be enabled. So please do take the time to make sure you follow your system vendors instructions accurately.
An interesting presentation 4 years ago at WinHEC 2008 was made by my colleague, Jake Oshins. It has some further references if you are interested in further reading about some of what has been covered so far in this series of posts. Some information has changed, but most still applies.
So now that we have enumerated all the hardware and software components needed for SR-IOV support which are (largely) outside the control of Microsoft, the next part of this series is where we'll start to see SR-IOV in action.


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I was thinking the other day about my various groups of friends, searching for the commonality that they all hold. I have friends from my childhood and high school, friends from college, friends from medical school, friends from residency years, and friendships built from our life in this same town we have lived in for the past 15 years. Because my wife and I settled into a city where our closest relatives live two hours away, our friends hold even more weight in our lives for the part they have played, sometimes even physically and mentally substituting for our family on special occasions.
Yes, we all need friends. Better yet, we all better damn-well appreciate our friends. A good friend, tested and true, will be there through the pretty and ugly, through the happy and sad, and through the fun and miserable life moments.
I came up with a lot of reasons for the friends I have chosen or have chosen me over the years. First and foremost, I like people that don't take themselves to serious. After all, life is not such a stellar example of structure and order, and through the many moments of a typical day where something can go unexpectedly wrong, I like the person who can adapt with the situation and laugh off the change in plans. So you thought you were going to be going to NYC for the weekend but your car broke down in the Poconos? If you check in a motel and enjoy the Poconos, I like you. If you bitch and whine and obsess over your ruined plans, I really hope to not spend more time with you in the future.
Diversity. A key commonality among my friends. My best friend growing up was Himer, an awesome buddy throughout our school years, classes and school sports and first dates and all. His parents were much more liberal than my conservative parents, and somewhere between our different upbringings, we found a common bond of friendship. My roommate all four years in college? Christopher, straight from the rat-race we call Long Island. Me--country boy, small-town, Adidas shorts and Hanes t-shirts, sneakers. Chris--city-bred, big-town, Ralph Lauren pressed khaki shorts and purple shirts, penny-loafers. I took him four-wheeling and he took me to Manhattan. Oh, I can't forget about Gailie, my fellow Biology buddy who was a Catholic princess, through-and-through. Together, we were inseparable (along with Tony and Barnes and Dave) for much of our college days. Best friend in medical school? Easily KT, a Jersey girl with a heart of gold and an eye on public service. We shared a bond of tennis and creative writing among many other things (including who to trust and distrust in our competitive class). My best friend in residency? Tomer, my Jewish, sharp-witted, cowboy-boot-wearing buddy for always, who watched my back during our 30 hour call-days. Thankfully, sprinkled among all of these friends were more and more friends who impacted my life.
Even in my city life now, I surround myself with diverse friends. Some of my best friends from the creative world? A very cool, committed couple named Christine and Marcy. Not only did they foster my love of the writing world, they also fostered my love of pets, of wine in quantity, in music, and in myself, helping me seek out ways to make myself better through some trying times. My other friends all hold some diverse characteristics within their personalities that keep me coming back. I love the fact that I do not seek "like" individuals, but rather people that can teach me and open my eyes to the many beautiful differences of their lives from mine.
Finally, without a doubt, the biggest commonality among my friends is humor. Straight-up. If you laugh at my silliness and I laugh at yours, we will be friends. Prank phone calls, crazy texts, recognizing life's many absurdities, morning "sore-face" after a night of frenzied laughing and joking over a bottle of wine--those are the friends I gravitate to. Inappropriate and risque perspectives will get you bonus points, even.
Just last night, we were at an amazing dinner with six friends, eating great food (thanks, Michele!), drinking great martinis (thanks, Eric!) and wine, and just laughing and howling for four straight hours. No subject was off-limits and by the time we were hugging our goodbyes, we had solved most of the world's problems. Driving home, my wife and I both noted just how much fun we have with our friends. We are blessed to be surrounded by such cool people.
A better example? Here is a reference letter our good friend Mike wrote for my wife when she was applying for a full-time position in a local school district. It is just a rough draft, but one that he thought "might just get her the job." Thankfully, he got serious and started at square one again, producing the perfect reference letter needed. However, I tend to agree with him that this original letter may have gotten her the job in a much quicker fashion:
Dear Mr. K.,
As for me, I'll just keep laughing and smiling my way through this journey we call life. With a little help from my friends, of course.


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A collection of scholarly works about individual liberty and free markets. A project of Liberty Fund, Inc.
1622 - 1682
Historical Period:
The Early Modern Period
Fortrey was a gentleman of the King's Bench and an early writer on economic matters. He was in favor of enlcosures and the right of foreigners to settle in England and buy land.


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Limited rental options lead military personnel to buy homes
June 12, 2009
Senior Airman P.J. Canabal had a pretty clear notion of what he wanted when he got transferred to Cannon Air Force Base.
The notion was to rent a house with another military member. But Canabal discovered rentals were a pretty difficult commodity at the very end of May.
So, Canabal and a buddy decided to buy a home instead.
It might be an unusual step for a couple of single men to purchase a house together. But new transfers to Cannon are exploring all the options this summer.
Nearly 500 active duty members and their families are expecting to transfer to Cannon from now until the end of August.
Captain Mae-Li Allison, chief of public affairs at CAFB, said most are operational and maintenance personnel coming from Hurlburt Field in Florida. It's all part of the transfer of 16th Special Operations Squadron.
"It was real hard. Nothing to rent, so we're planning on buying a house now," said Canabal, 23, who is one of the Florida newcomers. "This isn't a renters market - just nothing to rent, at least as far as we wanted. Having a pet, most places don't let you have one.
"I guess the first wave of people just took everything up," he added.
Canabal, who arrived on May 30, said the asking price for the house in Clovis he settled on was originally $116,000.
The process can often take much longer.
Bobbie Tenney, 29, and a staff sergeant, recently found a house between $120,000 and $130,000 in Clovis. She'll move into it in August.
"Renting was kind of expensive, especially for what you're getting," said Tenney, an Iowa native who has been at Cannon for almost two years.
"I wasn't looking the whole time, because I was kind of waiting to see if I was going to stay here or not," Tenney said. "When the military said I was going to stay, I started looking for a house about six months ago.
"A lot of the houses are pretty overpriced, especially with the way the economy's going right now. The house I found was really the only one I found in a reasonable price-range," she said. "I think everybody's trying to make a buck and, because of the influx of military people, they see an advantage there."
According to a recent Regional Growth Management Plan, 30 percent of military members surveyed at Hurlburt said they would try to buy a house if moved to Cannon. Another 25 percent said they would go the rental route.
Wes Graham, a realtor with Re/Max in Clovis, estimated 60 to 70 percent of all the transactions at his office in the last 90 days involved military personnel. Graham said more houses are available in the price range between $150,000 and $200,000, but that he also feels the market is still balanced.
"Most seem to be pretty happy with the available stock of housing. Purchasers are looking for traditional housing, but it's all over the board, depending on their rank and marital status," Graham said.
"The rental market is tight," Graham said. "There's not a large selection of houses for them to look for. We're just suggesting that they continue to check. The rentals change almost every week."
Though the distance from Cannon to Portales is further than Clovis, many are taking that route.
Nicole Thompson, 35, whose husband was transferred to Cannon in February, recently purchased and moved into a Portales house in the $125,000 to $150,000 range.
"It really wasn't a factor, because if you live in a larger city you're used to a 45-minute commute anyway," said Thompson.
Thompson said she felt she had several viable alternatives when her family was looking to buy.
"It wasn't that difficult. There's quite a few homes on the market, but we had very specific needs and standards."
Thompson likes the house, and the community of Portales in general. She thinks chances are good she'll stay when her husband retires from the military.
"More than likely we'll keep the house because Special Ops doesn't tend to move their men as much as others do," Thompson said.
"I am in love with the home I purchased," she said. "I like the smaller pace in Portales. We really like the community here and it's a nice neighborhood."


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It was not a surprise that a judicial officer recommended that Pfc. Bradley Manning should be court-martialed ("Manning trial recommended," Jan. 13). This was inevitable from the beginning of the Article 32 hearing. And just as inevitable is that there will be a court martial. I and others will be outside the military base, presumably Fort Meade, during the court martial to show our support for him.
And a final inevitability is that Private Manning will be found guilty. What remains to be seen is what will be the sentence. Whoever decides on the sentence will not have the courage to give him time served. Thus, the support network will continue its work to free Bradley Manning, incarcerated for allegedly leaking information which showcased U.S. support for dictators and at least one alleged war crime.
It would not surprise me if the soldier was given a life sentence because he refused to aid in the prosecution of Julian Assange. Yet as someone who has worked for decades in trying to get Leonard Peltier, the Native American activist, freed from federal prison, I will continue with efforts on behalf of Private Manning. I would not be able to sleep if I did not support someone who is purported to have released the greatest cache of incriminating government material since Daniel Ellsberg and Tony Russo gave us the Pentagon Papers.
Max Obuszewski, Baltimore


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SEWN Red Ensign Flag - (27" x 18")
- Manufactured from quality MOD spec run resistant woven polyester
- 27" x 18" (Approx 690mm x 450mm)
- Each flag is finished with a strong canvas, rope and toggle, triple sewn fly end and supplied with a complimentary shower proof drawstring flag bag for safe keeping.
- Where flags are fully SEWN with detail, applique is sewn through a layer giving a sewn mirror image on reverse. Where there is large detail, it would only be possible to make the fully sewn flag at certain sizes.
- Suitable for indoor and outdoor use
- Our sewn flags are manufactured in the UK by a social profit Limited company, manufacturing World class quality traditional sewn and printed flags, and textile goods; training and developing skills in the local community for real jobs; and supporting the spirit of bringing back manufacturing to the local communities and economy UK wide
- Please allow up to 1 week extra delivery time for sewn flags as they are usually made to order.
Write a review and share your thoughts with other shoppers.
|Product Code


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Welcome to www.LukeAtTheLake.com
For over 19 years Luke Beaman has been selling residential, land and commercial real estate in the Truman Lake and Lake of the Ozarks area.
You can search for your ideal property by viewing current listings on the "Property Search" tab.
So whether you're buying or selling, feel free to contact me and I will be happy to help you with all your real estate needs.
Whether you're looking for your first home, your dream home or an investment property, I'm committed to providing you with the highest quality buyer service. When making the type of investment that buying a home requires, you deserve to have all the latest market information and the very best advice, both of which I can provide you with. Read more.
The decision to sell a home is often dependent on many factors. Whatever your reasons are for selling, my proven effective marketing strategies will ensure that you get the highest possible price for your home. I guarantee to provide you with professional, ethical and confidential service and keep you fully informed every step of the way. Read more.


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BMC's new TeamElite TE01 29 in its early-release dress (Matt Pacocha)
View Thumbnail Gallery
BMC know how to make bikes ride like silk. With the 2011
launch of the TeamMachine they introduced their Tuned Compliance Concept (TCC), where a more elastic composite material and layup is used in non-key areas to boost comfort, and this has now proliferated throughout their line. The latest model to benefit from this technology is the new 2013 TeamElite TE01 29.
This 29in-wheeled cross-country
race rocket builds on the design of the GranFondo
GF01 classics machine, launched just two weeks ago. It shares key features of that bike, including the offset between the top tube and seat stays, the tubing kinks that are specifically engineered as flex points, the offset dropouts and the TCC zones.
BMC say they've focused on three key areas with the new TeamElite: geometry; tube shape, size and layup; and weight. The company targeted sub-1,000g for the TE01 29 and claim the medium frame tips the scale at just 980g.
The end product is a unique, early release 2013 package
built with SRAM X0 shifting, Easton EA70 wheels and cockpit, and 2013 FOX Float CTD FIT fork, priced at US$5,499. Our medium size demo bike weighed in at 23.23lb (10.53kg) with our own Shimano XT pedals. BMC say they'll fulfill all
dealer demand for this model with a one-time order, and that additional models
and frame-only options won't be available until the fall trade shows.
BMC's TE01 feature
trifecta: Geometry, compliance and weight
BMC spent the first year of the carbon TE01 29's
development working solely in aluminum, and specifically on the bike's
geometry. For much of 2011, Steve Ettinger, a then U23 rider for the BMC
developmental mountain bike team, put both training and race miles on a
white alloy prototype.
This was the last of three different geometry
mules BMC used along with Cane
Creek's AngleSet to arrive at their ideal 29er metrics for cross-country
racing. The 'BWC' (Big Wheel Concept) geometry they arrived at is: 70° head tube angle, 429mm chainstays and 65mm bottom bracket drop.
These are paired with a long top tube and very short head tube – 90mm on the small frame, 100mm on the medium and 110mm on the large. This setup allows racers to get low and also enables BMC to run with a very contemporary concept: relating stem length directly to head angle (rather than rider height). As a result, all three sizes of the TE01 comes with 70mm stems and 685mm bars.
The tapered head tube sets the tone for the two distinct halves of the TE01 29
TCC (Tuned Compliance Concept)
TCC (Tuned Compliance Concept) refers to the
way the TE01 29's carbon tubes have been engineered to be torsionally stiff with vertical flex. To achieve this, BMC pay close attention to the frame shape, carbon layup, tube sizing and materials used throughout each chassis – the goal is to offer the same feel consistently across the three frame sizes.
Looking at the frame it's more obvious to see what TCC means. The lower
chassis is massive, in order to resist torsional twist between the wheels. There's a tapered head tube, a huge down tube, an oversize press-fit BB92
bottom bracket and big, boxy chainstays that connect to the rear
wheel with beefy all-carbon dropouts. These components are all designed to add stiffness, in order to better handling and pedaling efficiency.
From the 1.125in top headset bearing backwards it's a different story. The top tube tapers dramatically towards the seatpost and it's both kinked and offset from the
chainstays where it connects to the seat tube. The rear 'triangle' is more of a trapezoid, with an angled shelf that supports the dropouts and rear brake mount, and this is where much of the bike's claimed 10mm of vertical flex comes from. (BMC measure this by fixing the bike's front and rear dropouts and loading the seat with a 1,000N force, which is roughly a 220lb weight.)
By offsetting the top tube/seatstay interface, BMC set the
stage for their TCC design; the kinks, tube sizes and shapes are all part of
the design as well
Moving to the micro scale, TCC influences tube sizes as they
pertain to the three sizes of the frame, and also the carbon layup, which has
been tuned to maximize this dichotomy between vertical flex and torsional
stiffness. BMC say they tried 10-plus layup iterations before settling on the final schedule.
TCC is also carried into the design of the now-narrow 27.2mm seatpost.
BMC offer three different posts with the TE01 29, which vary by offset – 3mm, 18mm and 30mm. Each post is constructed to offer the same amount of flex and
account for the additional leverage exerted by the larger offsets.
BMC say once the geometry was dialed in and the desired amount of flex achieved, they set out to meet the metric every cross-country racer uses as their barometer of a good race bike – its weight. The result is a 980g claimed weight for the medium frame, including all hardware (post mount brake nuts, integrated chain watcher, cable guides). BMC say this impressive figure was achieved through material selection and an intensive layup 'optimization'.
The details: Slick
brake mount and chain catcher, impressive finishing attention
BMC complete the TE01 29 with an impressive slew of details. They've molded the post-mount brake mount entirely from carbon (it houses pockets for replaceable cylindrical nuts), integrated a front chain catcher to protect the bottom bracket shell and down tube, and used a direct-mount front derailleur to help achieve the short chainstays.
The front derailleur housing uses short runs and conventional cable stops to save weight, while the rear derailleur (which has a replaceable hanger) relies on a full length of housing, which mounts alongside the rear brake line. Another forward thinking nicety is the InSet headset configuration, which allows use of a Cane Creek AngleSet – yes, BMC tested to find their favorite head angle but if you don't agree you can modify it yourself.
The rear brake caliper nestles between the seat- and chainstay
The hour of power: A first ride on the TE01 29
At 5ft 9in, we fit perfectly on the medium bike (with the 3mm offset post) without feeling the need for a stem length change. Like BMC's road bikes, the TE01 29 rides smooth but maintains
a crisp acceleration. Larger peers complained about a slight bounce coming from the frame but we experienced no such problems. The front end was adequately stiff, though not overtly, and we found ourselves wrestling with a slight bit of understeer – nothing we couldn't work through with another hour on the bike, though.
Bottom bracket height, or rather drop, is a huge factor in
how well a big-wheeled bike rides and BMC seem to have honed in on that,
ultimately using it to their benefit. Getting the front end in the air was
relatively easy, likely helped by both the bottom bracket placement and the
short chainstays. After just more than an hour ripping around the trails surrounding the Laguna Seca Raceway, we're able to give the bike a hearty thumbs up, pending a longer term test.
You can follow BikeRadar on Twitter at twitter.com/bikeradar and on Facebook at facebook.com/BikeRadar.
Bron: http://feedproxy.google.com/~r/BikeRadar/feeds/~3/UjWpkG5pq58/story01.htm


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PamFax 3.4
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"Apple Inc.'s e-book problem is spilling over into its other media businesses," Chad Bray reports for The Wall Street Journal.
"After winning its antitrust lawsuit over Apple's e-book pricing, the Justice Department said Friday it wants to prevent Apple from engaging in anticompetitive conduct across the content sold in its iTunes store, including movies, music and television shows," Bray reports. "The company has been an aggressive bargainer in opening up traditional media to digital distribution, most notably with music."
Bray reports, "If the judge adopts the Justice Department's recommendations, Apple may not have the same leverage when negotiating future content deals as it tries to expand its offerings. 'Under the department's proposed order, Apple's illegal conduct will cease and Apple and its senior executives will be prevented from conspiring to thwart competition in the future,' said Bill Baer, assistant attorney general in charge of the Department of Justice's Antitrust Division."
"Apple blasted the Justice Department's proposals, saying in a court filing that the proposals were a 'draconian and punitive intrusion into Apple's business, wildly out of proportion to any adjudicated wrongdoing or potential harm,'" Bray reports. "The Justice Department is also proposing an external monitor to review Apple's efforts and a prohibition from entering new e-book contracts for five years that would limit Apple's ability to be competitive on price. Competing e-book sellers also would be allowed for a two-year period to sell books to Apple users via e-books apps in Apple's online store. Apple also objected to the DOJ's suggestion that a monitor be appointed to oversee its compliance with the courts order for 10 years. Apple said that proposal is 'wholly unjustified by law or fact' and goes far beyond anything connected with the alleged price-fixing."
Read more in the full article here.
MacDailyNews Take: Here's hoping Apple hits a judge with a spine (and a brain attached) somewhere along the appeals process.
Might we suggest Apple using the judicial system's top feature: Glacial pace? Drag this fiasco past high noon on January 20, 2017 and perhaps Apple's chances will improve. Hey, it works wonders for Samsung!
Related articles:
Apple rejects U.S. DOJ's proposed e-book penalties as 'a draconian and punitive intrusion' – August 2, 2013
U.S.A. v. Apple: DOJ wants to force Apple to revamp e-book practices – August 2, 2013
U.S.A. v. Apple: Cupertino could get smacked with $500 million bill in ebook case – July 25, 2013
U.S.A. v. Apple verdict could end the book as we know it – July 11, 2013
U.S. DOJ unwittingly causes further consolidation, strengthens Amazon's domination of ebook industry – July 11, 2013
Where's the proof that Apple conspired with publishers on ebook pricing? – July 10, 2013
U.S.A. v. Apple ruling could allow U.S. government to monitor, interfere with future Apple negotiations – July 10, 2013
Judge Denise Cote likely wrote most of her U.S.A. v. Apple ebooks case decision before the trial – July 10, 2013
U.S.A. v. Apple: NY judge rules Apple colluded to fix ebook prices, led illegal conspiracy, violated U.S. antitrust laws – July 10, 2013


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Disney taught us all one incredibly important lesson— a dream is a wish your heart makes. Right? Well, by those terms, Disney fans must have collectively wished their little hearts out for the ultimate Disney merchandise collection, because Hot Topic's got the dreamiest Disney apparel, accessories, merchandise, and fan favorites that will fulfill the wishes of any Disney fans. Consider us your one-stop-Disney shop for all the Disney must-haves you've been dying to deck yourself out in.
Whether you're a diehard fan for the most classic Disney movies out there like Lion King, the Aristocats, 101 Dalmatians, and more; can't get enough of the newest Disney films like Frozen, Maleficent, or Tangled; or you're just a sucker for the classic-but-never-dated Disney icons Mickey and Minnie Mouse, then believe us, you're in the right place.
Hot Topic's Disney collection is practically overflowing with the Disney merch you've always wanted. Whether you're looking for collector's items like Disney enamel pins, Disney Funko Pop! figurines, or magnet sets; comfy Disney clothes that you'll never want to take off like hoodies, t-shirt dresses, leggings, and more; or simply can't stand to live without Disney décor in your room like throw blankets, wall art, and oversized plush toys, we can guarantee you that there's something in this collection for every Disney fan.


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Top Dancing with the Stars 2010 Music List
I thought it would be fun to look at the most popular music that's been used on Dancing with the Stars 2010. As you know, we've listed all of the Dancing with the Stars 2010 music. Plus, we have statistics on which songs are clicked on the most. So, this list isn't all that scientific, but it is interesting to see which music readers of Pure DWTS found interesting.
Without further ado, here's the list from the most popular DWTS music to the least popular:
These Arms of Mine by Otis Redding
Cry Me Out (Made Famous by Pixie Lott) by Future Hit Makers
My First Kiss (feat. Ke$ha) by 3OH!3
Break Your Heart by Taio Cruz & Ludacris
This Ain't a Love Song by Bon Jovi
Whine Up (Johnny Vicious Club Drama Mix) by Kat DeLuna featuring Elephant Man
California Gurls (feat. Snoop Dogg) by Katy Perry
This Woman's Work by Kate Bush
Let It Be Me by Ray LaMontagne
Nothin' On You (feat. Bruno Mars) by B.o.B
Falling In Love At a Coffee Shop by Landon Pigg
Are there any other songs that you think should be on this list. What about a list of the songs you'd like to see on DWTS. I'll take your suggestions and create a future post with the ones you suggest.


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Martin, from Reading, ordered a Brick Sample 53 minutes ago
Join more than 22,567 people who ordered a Brick Match
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The Sexton Saddle Brown brick, manufactured by BEA Clay Solutions Ltd, is a slop moulded / waterstruck brick that is brown in colour with a light texture.
As a facing brick, the Sexton Saddle Brown brick is commonly chosen for its aesthetic qualities, and will provide a brown, light textured façade.


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VMware can help you onboard, manage, monitor and secure all your IoT things throughout your value chain to ensure lower maintenance costs, environmental impact & reduction in waste and higher precision of energy production and security.
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D:Kaito Lady wrote:So I have chicken pox.
It's hell. Its horrible and I hate every second of it.
Last night I couldn't sleep because of the itch and I'm sure I'll go mad because of it soon.
Have I mentioned how horrible this is?
That sucks, just don't try to scratch... I still have a scar left from that...


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134 Owensby Way is a $32,900 property on a 0.21 acre lot located in Trinity, AL.
Luxury living in Trinity! Build your dream home in Trinity's upscale Stone Village Subdivision with Club house, Pool, Fitness Room. Convenient to West Morgan Schools, as well as the new Austin High school, ULA, the Toyota Plant, and Beltline Rd or 6th Ave for all of your shopping needs.
|Exterior Features
Gas - Natural
Electric - Underground Electric
|Land Type
Single Family
|Water Source
|Property Type
|Property Sub Type
|Elementary School
west morgan
|Middle School
west morgan
|High School
west morgan
Stone Village
Based on information from the North Alabama Multiple Listing Service® , last updated 09/29/2020 at 02:06am MDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed by the MLS or this website.


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Book a Table
Our menu draws it's influence from the Mediterranean (Greece, Portugal, Italy, Spain…) using Fresh quality ingredients sourced locally wherever possible. Whether you are wanting a quick simple lunch, meeting with business colleagues or planning a special night out with friends and family, The Olive Tree is the perfect choice. The Olive Tree can now offer a private function room that can hold up to 30 people for those special occasions or business events and meetings.