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Shafik Bhalloo has been a partner of Kornfeld LLP since 2000. His practice is focused on labour and employment law, and on commercial and civil litigation. He is also an Adjudicator on the Employment Standards Tribunal and an Adjunct Professor in the Faculty of Business Administration at Simon Fraser University.
Alisha joined Kornfeld LLP as an associate in 2015 after completing her articles with the firm.
In today's workplace, privacy is an evolving issue and Canadian privacy law is developing rapidly. Perhaps surprisingly, only a handful of Canadian jurisdictions, (including British Columbia, Saskatchewan, Manitoba and Newfoundland) have privacy legislation that creates a statutory tort or civil right of action for invasion of privacy. Until recently, most Canadian jurisdictions could only rely on legislative schemes that applied in very specific contexts – there was no general remedy for an invasion of privacy, unless the claimant managed to successfully establish the existence of a common law right to bring a civil action.
That changed when the common law tort of invasion of privacy was given teeth by the Ontario Court of Appeal in Jones v Tsige, 2012 ONCA 32 ("Jones"), wherein the Court definitively recognized the common law cause of action for intrusion upon seclusion. In Jones, the tort of intrusion upon seclusion enabled the plaintiff to recover not insignificant damages for the invasion of her privacy where no legislative scheme applied and where she had suffered no pecuniary loss.
But the bite of Jones and the tort of intrusion upon seclusion do not stop there. This year, the Ontario Superior Court of Justice relied on Jones to certify a class action proceeding against an employer for, inter alia, vicarious liability of an employee's tort of intrusion upon seclusion. While the case, Evans v The Bank of Nova Scotia, 2014 ONSC 2135 ("Evans"), has yet to proceed to trial, the decision is one to watch out for. Whether or not the employer is ultimately found liable for the employee's breach of privacy, Evans serves as a reminder that the law around breach of privacy is progressing swiftly and that employers must keep up.
The Facts
The plaintiff, Ms. Jones, and the defendant, Ms. Tsige, were both employees of the Bank of Montreal ("BMO"). Another coincidental common factor was that Ms. Jones' former husband had formed a common law relationship with Ms. Tsige. However, Ms. Jones and Ms. Tsige did not know each other, and they worked at different branches of the BMO in different positions.
By virtue of her position with the BMO, Ms. Tsige had access to Ms. Jones' personal information, and on at least 174 occasions, using her computer at her workplace, Ms. Tsige did in fact access Ms. Jones personal information. The information included Ms. Jones' date of birth, marital status, language spoken, residential address, and details of her financial transactions in her personal accounts with the BMO.
The BMO discovered Ms. Tsige's activities and confronted her. Ms. Tsige admitted to the BMO that she had no legitimate reason for accessing Ms. Jones' personal information. Instead, Ms. Tsige explained she had been accessing Ms. Jones' information since she was in a financial dispute with her common law spouse (Ms. Jones' former husband) and wanted to find out if he was paying Ms. Jones child support. Notably, Ms. Tsige did not make any copies of or disseminate Ms. Jones' personal information.
The BMO disciplined Ms. Tsige by meting out a five-day suspension and denying her a yearly bonus. The BMO also issued her a warning that future repetition of her conduct would result in termination of her employment. Ms. Tsige was asked to review and discuss the BMO privacy principles and standards.
The Ontario Superior Court
Ms. Jones lodged an action in the Ontario Superior Court of Justice asserting that her privacy interest in her confidential banking information was "irreversibly destroyed" and claimed damages of $70,000 for invasion of privacy and breach of fiduciary duty, and punitive and exemplary damages of $20,000 against Ms. Tsige.
The Court held there was no fiduciary duty owed by Ms. Tsige to Ms. Jones and dismissed the breach of fiduciary duty claim, finding there was no fiduciary relationship between them in the traditional or non-traditional sense.
With respect to the invasion of privacy claim, the Court rejected the notion that in Ontario a common law tort of invasion of privacy exists. As a result, the privacy claim was also dismissed. The Court stated that in spite of the dismissal, Ms. Jones was not without remedy because she could bring an action for invasion of privacy under the federal Personal Information Protection and Electronic Documents Act, 2000 c. 5 ("PIPEDA").
The Ontario Court of Appeal
Ms. Jones appealed the Superior Court's ruling to the Ontario Court of Appeal only on the ground that Ontario law does not recognize the tort of invasion of privacy. The Court of Appeal reversed the lower Court's decision, recognized the tort of intrusion upon seclusion, and awarded Ms. Jones damages.
In order to come to the conclusion that the tort of intrusion upon seclusion exists in Ontario, the Court of Appeal conducted an extensive review of Canadian, American, and English jurisprudence on the tort of invasion of privacy. The Court found the comments of Professor Prosser particularly compelling, and stated that if Ms. Jones did have a cause of action for the invasion of her privacy, it would fall in Professor Prosser's first category of invasion of privacy, namely intrusion upon seclusion.[1]
For her case, Ms. Tsige submitted that the existing Ontario and federal legislative framework addressing privacy is an adequate basis for the Court to refuse to recognize the emerging tort of intrusion upon seclusion. To that end, Ms. Tsige argued that expansion of the law in the area should be left to Parliament and the legislature.
The Court of Appeal considered and rejected this argument, pointing out the various deficiencies in the legislative framework with respect to Ms. Jones' case. Namely, the legislation that Ms. Jones could use, PIPEDA, only deals with "organizations" that are within federal jurisdiction and does not address the existence of a civil cause of action for invasion of privacy within provincial jurisdiction. In addition, Ms. Jones would only be able to use PIPEDA to lodge an action against the BMO, not Ms. Tsige, and the statute would not permit her to recover damages. Further, the Court of Appeal identified that existing Ontario legislation does not provide for a private cause of action between individuals; it merely addresses individual privacy rights in the context of governmental and other public institutions.
The Court of Appeal then confirmed the existence of a right of action for intrusion upon seclusion, reasoning as follows:
Recognition of such a cause of action would amount to an incremental step that is consistent with the role of this court to develop the common law in a manner consistent with the changing needs of society.
For over one hundred years, technological change has motivated the legal protection of the individual's right to privacy. In modern times, the pace of technological change has accelerated exponentially…
It is within the capacity of the common law to evolve to respond to the problem posed by the routine collection and aggregation of highly personal information that is readily accessible in electronic form. Technological change poses a novel threat to a right of privacy that has been protected for hundreds of years by the common law under various guises and that, since 1982 and the Charter, has been recognized as a right that is integral to our social and political order.
The Legal Elements of Intrusion upon Seclusion
The Ontario Court of Appeal expressly adopted the key features of intrusion upon seclusion as delineated in the Restatement (Second) of Torts (2010). The legal elements are that:
- The defendant's conduct must be intentional, which includes reckless conduct;
- The defendant must have invaded, without lawful justification, the plaintiff's private affairs or concerns; and
- A reasonable person would regard the invasion as highly offensive causing distress, humiliation, or anguish.
The Court of Appeal opined that recognizing intrusion upon seclusion as a cause of action does not pose a serious risk of opening the proverbial "floodgates". The Court stated only "deliberate and significant invasions of personal privacy" are caught by the tort and not de minimus cases:
Claims from individuals who are sensitive or unusually concerned about their privacy are excluded: it is only intrusions into matters such as one's financial or health records, sexual practices and orientation, employment, diary or private correspondence that, viewed objectively on the reasonable person standard, can be described as highly offensive.
Nonetheless, the Court indicated that a plaintiff is not required to establish actual loss or damages as part of the cause of action. In this respect, the tort of intrusion upon seclusion is similar to the statutory causes of action for invasion of privacy which exist under the legislative schemes implemented in the four provinces, including British Columbia.
Having said this, the Court stated that where the plaintiff has suffered no pecuniary loss, only "symbolic" or "moral" damages are appropriate to acknowledge the wrong done. After considering Ontario case law and the Manitoba Privacy Act, the Court of Appeal established the upper range for damages where no pecuniary loss is suffered at $20,000. The Court then awarded Ms. Jones $10,000, the mid-point of the range, stating that Ms. Tsige's conduct was "highly offensive to the reasonable person and caused humiliation, distress and anguish", but that it did not qualify as "exceptional circumstances" meriting an award of punitive or exemplary damages – those awards were to be left for "truly exceptional circumstances".
The Facts
Evans also involves another major bank, the Bank of Nova Scotia ("BNS"), where an employee illegitimately accessed customer information. The employee, Mr. Wilson was a mortgage administration officer for the BNS, and as such had access to highly confidential customer information.
Over the course of approximately one year, Mr. Wilson accessed the files of 643 customers of the BNS and forwarded private information to his girlfriend. His girlfriend then distributed the information to individuals who used it to commit identity theft and other fraud. Unlike Jones, it was law enforcement and not the bank that uncovered the scheme. The arrangement and Mr. Wilson's involvement was exposed by the Calgary Police in the course of executing a search warrant against individuals who were attempting to use the information to perpetrate fraud in Alberta. Mr. Wilson was confronted and confessed to improperly printing and accessing customer profiles for individuals who had applied for mortgages.
The BNS gave notice to the 643 individuals whose profiles had been accessed by Mr. Wilson (the "Notice Group"). Over 130 individuals from the Notice Group have since informed the BNS that they have been victims of identity theft or fraud. The BNS compensated those individuals for their financial losses and offered each individual in the Notice Group a complimentary subscription to credit monitoring and identity-theft protection service.
In spite of these efforts, the BNS, in addition to Mr. Wilson, was named as a defendant in a class action, with the class being the entire Notice Group. The Ontario Superior Court certified the Notice Group's class action for, inter alia, the BNS' vicarious liability for intrusion upon seclusion.
Vicarious Liability and Intrusion Upon Seclusion
The Ontario Superior Court relied on the Supreme Court of Canada's decision Bazley v Curry, [1999] SCR 534 ("Bazley") for the rationale to impose vicarious liability on an employer. In Bazley, McLaughlin J (as she then was) stated:
The fundamental question is whether the wrongful act is sufficiently related to conduct authorized by the employer to justify the imposition of vicarious liability…
In determining the sufficiency of the connection between the employer's creation or enhancement of the risk and the wrong complained of, subsidiary factors may be considered. These may vary with the nature of the case. When related to intentional torts, the relevant factors may include, but are not limited to, the following:
- the opportunity that the enterprise afforded the employee to abuse his or her power;
- the extent to which the wrongful act may have furthered the employer's aims (and hence be more likely to have been committed by the employee);
- the extent to which the wrongful act was related to friction, confrontation or intimacy inherent in the employer's enterprise;
- the extent of power conferred on the employee in relation to the victim;
- the vulnerability of potential victims to wrongful exercise of the employee's power.
[Emphasis in original]
The Ontario Superior Court further specified that "vicarious liability 'is strict, and does not require any misconduct on the part of the person who is subject to it': Straus Estate v Decaire, 2011 ONSC 1157, 84 C.C.L.T. (3d) 141 at para. 49."
Applying this legal test to the conduct of the BNS, the Court found that, at least to the extent required to certify the class action, the BNS had enabled Mr. Wilson to commit the tort of intrusion upon seclusion:
[BNS] created the opportunity for Wilson to abuse his power by allowing him to have unsupervised access to customer's private information without installing any monitoring system… Wilson was given complete power in relation to the victims' (customers) confidential information, because of his unsupervised access to their confidential information. Bank customers are entirely vulnerable to an employee releasing their confidential information. Finally, there is a significant connection between the risk created by the employer in this situation and the wrongful conduct of the employee.
Furthermore, the Court's decision to certify the class action for the tort of intrusion upon seclusion was not influenced by the BNS' admission of responsibility to compensate the Notice Group for any financial losses. The BNS submitted that it accepted liability for the pecuniary losses of the individuals, as evidenced by the BNS' willingness to financially compensate the members of the Notice Group that came forward as being victims of fraud. The Court refused to accept the BNS' argument that it was not liable for further damages through vicarious liability for the tort of intrusion upon seclusion. Conversely, the Court distinguished the two types of damages and stated that the BNS' "admission of responsibility to pay for the pecuniary damages suffered is a different situation from the absence of claim for compensatory damages".
Jones and Evans raise a number of thought-provoking issues for employers to consider, and the ramifications of the two cases extend well beyond Ontario.
Though it has yet to proceed to trial, Evans clearly brings to light the necessity of employers to keep up with the demands of privacy law. Employers who are neglectful in this regard may be held liable for not only the pecuniary damages associated with illegitimate access or use of private information, but also the moral or compensatory damages that may flow from a successful claim of vicariously liability for intrusion upon seclusion or applicable statutory causes of action for invasion of privacy.
In an increasingly technological world, employers have the responsibility to adequately supervise employees in their access to confidential or private information when such access is granted by virtue of employment. To this end, employers should have up-to-date privacy policies in place and ensure that employees are aware of what constitutes unauthorized access or use of private information. Employers should take active measures to ensure that these policies are implemented and followed, and it is recommended that the policies include mechanisms to monitor employee access to private information in order to identify potential abuse. Being proactive and having effective policies in place may assist employers in decreasing liability in the event that a claim of vicarious liability for an invasion of privacy is brought against the employer, or, in any event, may reduce the number and severity of potential claims by exposing unauthorized access sooner rather than later.
In addition, while the courts in British Columbia are not bound by the decisions of Ontario courts, the decision of the Ontario Court of Appeal in Jones and that of the Ontario Superior Court in Evans may still be relied upon as persuasive authority. In particular, the two decisions may be used to delineate the scope of privacy protection afforded in other jurisdictions, including provinces with general privacy legislation, since "privacy" is not defined in the statutes.
Moreover, Jones is a well-reasoned decision with an extensive overview of the relevant jurisprudence, legislation and authoritative academic literature on the tort of invasion of privacy. The Ontario Court of Appeal took judicial notice of the role of technological change and the growing threat it poses for privacy, making a highly persuasive case for other courts to "develop the common law in a manner consistent with changing society".
Finally, the tort of intrusion upon seclusion may affect individuals outside of Ontario even before a decision is made to import the new cause of action to other jurisdictions. The Notice Group in Evans includes individuals who are residents of British Columbia and New Brunswick. The BNS attempted to argue that as against those 35 individuals, the claim of vicarious liability for intrusion upon seclusion could not disclose a reasonable cause of action, since the two jurisdictions have not yet recognized the tort.
The Ontario Superior Court chose not to preclude these individuals from utilizing the cause of action and instead commented that "[w]hile the Courts in British Columbia and New Brunswick have not as of yet recognized the tort of intrusion upon seclusion, I was not given caselaw to suggest that they have definitively shut the door on this cause of action." In the end, the courts of British Columbia may decide to open the door to intrusion upon seclusion, and employers should be prepared for if, and when, they do.
[1] William Prosser, Law of Torts, 4th ed. (West Publishing Company, 1971) at p. 389:
- Intrusion upon the plaintiff's seclusion or solitude, or into his private affairs.
- Public disclosure of embarrassing private facts about the plaintiff.
- Publicity which places the plaintiff in a false light in the public eye.
- Appropriation, for the defendant's advantage, of the plaintiff's name or likeness.
Shafik Bhalloo has been a partner of Kornfeld LLP since 2000. His practice is focused on labour and employment law, and on commercial and civil litigation. He is also an Adjudicator on the Employment Standards Tribunal and an Adjunct Professor in the Faculty of Business Administration at Simon Fraser University.
*By Devin Lucas and Shafik Bhalloo
In Fasken Martineau DuMoulin LLP v. British Columbia (Human Rights Tribunal)[1], the equity partner, John Michael McCormick, entered into a partnership agreement with Fasken Martineau DuMoulin LLP, an international law firm operating as an extra-provincial limited liability partnership registered pursuant to the Partnership Act of British Columbia. Under this agreement, which governs the relationship of all of Fasken's partners, McCormick was required to retire as an equity partner on January 31, 2011, the financial year end of the firm in which he turned 65.
The partnership agreement provided at section 9.2:
(a) Each Equity Partner shall retire as an Equity Partner at the end of the Year in which the Partner reaches the age of 65, but as provided in paragraphs (d) and (e) of this Section 9.2 may be permitted to continue working with the Firm.
(b) A Partner who retires from the Firm shall be deemed to have withdrawn from the Firm as at the date of his or her retirement, which date shall be his or her date of withdrawal.
(c) Upon reaching the age of 62, each Partner shall prepare and deliver to the Firm Managing Partner a practice transition plan.
(d) Agreements for working past age 65 are at the discretion of the firm Managing Partner and will be the exception rather than the rule. The criteria for approval shall include the value of the individual in coaching, business development, client relations, mentoring and community profile. Such agreements shall either be approved by the Board or be within any written policy established by the Board for this purpose.
(e) Partners who wish to continue in the practice of law with the Firm after age 65 may enter into an individual arrangement with the Firm as an employee or a Regular Partner as determined by the Firm Managing Partner and, if the Firm Managing Partner so decides, such individual may have the title of "Counsel" to the Firm. The Firm Managing Partner may at any time on three months' prior written notice revoke, in his or her discretion, the right of such individual to continue in the practice of law with the Firm, whether as employee or Regular Partner, or to be Counsel to the Firm.
In December 2009, McCormick filed a complaint with the Human Rights Tribunal alleging that Fasken discriminated against him by forcing his retirement as an equity partner in 2011, contrary to s. 13 of the Human Rights Code of British Columbia.
In response, Fasken brought an application to dismiss the complaint pursuant to ss. 27(1)(a) and (c) of the Code, on the basis that that the Tribunal did not have jurisdiction to hear the complaint and there was no reasonable prospect that it would succeed. The root of Fasken's argument was that McCormick was not an employee of the firm and there was no employment relationship that could be the subject of a complaint under s. 13.
The Tribunal ruled against Fasken stating that it had jurisdiction over the complaint on the ground that the firm, for the purpose of the Code, employed McCormick. According to the Tribunal, in the context of human rights legislation, a partnership may be considered as a separate legal entity from its partners and as the employer of a partner.
Fasken appealed the decision to the British Columbia Supreme Court claiming that the Tribunal did not have jurisdiction to hear the complaint, since in law a partnership is not a separate entity from its partners, and cannot in law employ a partner. The chambers judge upheld the Tribunal's ruling. The chambers judge held that that the governance and management system of the firm met the criteria of an employment relationship for purposes of the Code, applying factors of "utilization", "control", "financial burden" and "remedial purpose" as held in Crane v. British Columbia (Ministry of Health Services).[2]
Once again, Fasken appealed the decision to the British Columbia Court of Appeal. The Court of Appeal in reversing the Tribunal and chamber's judge decisions stated:
…the principles of interpretation of the Human Rights Code, R.S.B.C. 1996, c. 210, which mandate a broad, liberal approach consistent with its remedial purposes, do not change underlying legal relationships to the extent found by the Tribunal and the chambers judge. In particular, they do not extend to overriding the fundamental and well-established principle of law that a partnership is not, in law, a separate entity from, but is a collective of, its partners, and as such, cannot, in law, be an employer of a partner.
The Court of Appeal also observed that a partnership may employ other persons and, in those employment relationships, it normally makes no legal or commercial difference whether the partnership is seen as a separate body or a collective of the partners. According to the Court of Appeal, third parties, including employees of the partnership, are generally entitled to the same rights and obligations as against a partnership as they are against a corporation or a proprietorship, including protection from discriminatory employment practices. The court then drew the distinction between that of an employer-employee relationship and the relationship among all of the partners. The Court said:
In this case, one of the supposed parties to the relationship, the firm, while a "person" for the purpose of the Code, is not separate from any individual equity partner such as Mr. McCormick. The only relationship that exists, in law and in fact, is among Mr. McCormick and all of the other partners of the firm. And the relationship among them cannot be one of employer and employee, as they are all equal in their rights and obligations with respect to the business of the firm.
It is important to note that McCormick was one of approximately 60 full-equity partners at Fasken. McCormick has an ownership interest in the firm; therefore, he is entitled to a share of the profits of the firm and is personally liable for its debts. Further, he is permitted to participate in the meetings of the partners and to vote on various issues affecting the firm's management. Conversely, employees do not enjoy any of these rights or obligations.
It remains to be seen, however, whether or not a partnership would be considered as a legal entity distinct from its non-equity partners for the purposes of human rights legislation? If a partnership may be treated as a separate legal entity from its non-equity partners, does it then follow that a non-equity partner is an employee of a partnership, which purportedly, he or she is a member? Applying the factual criteria of "utilization", "control", "financial burden", or "remedial purpose" from Crane would appear to affect equity partners differently than non-equity partners. The crux of this distinction is whether the controls exercised by the firm's management apply equally to all of the partners. If the controls are applied differently based on whether a partner is an equity or non-equity partner, it stands to reason that this would vary the relationship from one of partners collectively running a business to one of employment by equity partners over non-equity partners. This is still an open question at this point; however, it is an interesting issue that could have wide-ranging implications for partnerships and non-equity partners reaching the age of mandatory retirement.
[2] 2005 BCHRT 361, rev'd on other grounds, 2007 BCSC 460.


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Victim Of A Scam… Almost!
One fine day I get a call from my bank that a certain person was trying to en cash a suspicious check issued from my account to him. When I confirmed that I had not issued any check the bank stopped the check from clearing. It seems the person had got the check as a result of some sweep-stake winnings. When I learned about it I was shocked! I immediately put a hold on my account. Next morning when I logged into my account I saw a pending transaction of 888000.00 dollars. and account showing a balance of -888000.00 dollars. I ran to the bank the very next moment to find out, much to my relief, that it was not an actual transaction. Since I had put my account on hold, the bank had reduced the balance as a security measure. Phew!
Now this is how the whole scam works. A fraud company X got hold of my financial information i.e. my account number and routing number. The company X issued sweep stake winning letter to a person Y. Company X tells person Y that they have won 250,000 USD in sweep stakes. But in order to claim the money, person Y needs to pay a fee of 2500.00 to Company X. Along with the letter Company X issued a Check of 2500.00 to person Y asking them to cash the check and pay them the fee. The check however has all of my bank details, effectively making it as a check issued from my account. The person Y will then cash the check i.e. take money from my account and send it to Company X hoping that they will get 250,000.00 . Once the company X receives the fee person Y never hears from them again. Ever!
I was lucky and I thank the vigilant Bank Of America employees to have caught this and saved me all the trouble.
Who knows how many such letters are in circulation but so far I have seen 3 cases, 2 in New Jersey and one in Texas. I have given all the details to the Police and hope that they will be able to track the culprits. In his own words however, the police officer said that such cases rarely get solved!
Anyway the lessons to learn from this are
- Keep your financial information absolutely safe. Shred all documents and never have checks lying around for any one to see the info. You can never be too careful.
- If you get a letter and a check do not go and try to cash it because you may land up in trouble. In my case the guys who tried to cash it have been investigated by the police and they are listed on the case with their names and addresses.
- Remember Nobody gives you cash for free. Not even as sweepstake winnings! Especially the ones you haven't participated in.
At the end all is well. I have closed that account. Even though I had to pay penalties for a few bounced checks but it is all set now and things back to normal!
February 5, 2009
· Ajit · No Comments
Tags: scam · Posted in: Uncategorized

subset: commoncrawl


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Typically the water damage that occurs inside of your home could have been avoided if you had followed a few steps to prevent the damage before it happened.
It's not unusual to hear this claim from a water damage team expert. Below are ten simple tips that will help in avoiding thousands of dollars in unnecessary water damage cleanup expenses.
1. Every once in a while check beneath all sinks in your house to see if there are any pipe leaks. Also, play close attention to slow-draining pipes as they may have blockages.
In addition to these checks, it wouldn't hurt to re-caulk around sinks that appear old and/or may have begun deteriorating.
2. You can check for water leaks by monitoring your water meter while all the faucets and water using appliances in your home are in the off position.
For about an hour, check the meter in 4-5 minute intervals to see if there are any changes. Any water usage during this time may mean you have a pipe leak.
3. Give your self-easy access to the "MAIN" water shut-off valve in your house. By being able to stop the flow of water in an emergency quickly, you can often save yourself from further damage.
4. If your bathroom floor is tiled, make sure there aren't any cracks and/or missing areas of grout. To minimize the effect of water damage in this area, ensure that all grout is intact and sealed.
5. If your refrigerator has a built in ice-maker or water dispenser, periodically check the connecting hose for leaks. Any leaks should be taken care of immediately with a replacement hose.
6. The dishwasher causes the common source of water damage in the kitchen. Check the dishwasher for discoloured/warped materials. Also periodically inspect the connecting hose from the dishwasher to the main water line.
7. In your bathroom check the caulking around the bathtubs and toilets. If there are any discolorations, cracks or mold, then you may have some water damage. Be sure to re-caulk any area showing these initial signs of damage.
8. It never hurts to have a working fan in your bathroom. Almost any home improvement store supplies them, and they're relatively easy to install. These will reduce any moisture and build up of mildew from running hot water.
9. If you have a washing machine in your house, inspect the connector hose every few weeks or so for any signs of damage. Even if there aren't any problems, the hose should be replaced about every 3-4 years.
10. Air conditions should be serviced by a qualified contractor every couple of years. They will be able "fish-out" obstructions that may cause water damage in around the supporting window.
These tips are not a guarantee water damage will not occur in your home, but following these preventive measures can lessen the chance of it happening.
Check over here : 9 Home DIY Do's and Don'ts


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Population: Approximately 320,000 residents
Founded: 1911
Canberra is Australia's capital. It was established as an antidote to the great rivalries between Sydney and Melbourne. In a meeting of representatives from all Australian states in 1889 all agreed that there was a need to establish a common capital. Only in 1906 did they manage to decide on a location that was more or less equally far from both Sydney and Melbourne. The new territory was officially declared on January 1, 1911, and included 2,365 square kilometers. In May of the same year an international contest for architects was held with the aim of designing Australia's capital. In May 1912, the winner was announced. It was a well-known architect from Chicago, USA, named Walter Berly Griffin. His architectural plan was splendid. Griffin planned to put Capitol Hill in the center, with wide avenues running from the Hill round about, each carrying the name of another capital and going into the direction of the named city. Canberra was planned around three main routes. The inland route leading from Mt. Aynsley to Capitol Hill, the water route crossing the Black Mountains via an artificial lake (for which a large dam was built in the area), and finally, the urban route along the coastline from town to Russell Hill. By connecting the starting points of all three routes with an imaginary line the result is a huge triangle.
In 1979, it was decided that a permanent Parliament should be built. Since the plans were already very old another international architects' contest was announced for the new parliament. In June 1980, a New York company won. After almost a decade of building and spending 1.1 billion Australian dollars the new parliament was opened in May 1988.
Living in Cannberra – Attractions
The Embassies Area – The Australian government made sure that each state would build their embassy in a style representative of their country. Now you can marvel at the marble columns of the Greek embassy, a thatch roofed building of Papua New Guinea's embassy, a temple-like structure of the Indian embassy etc. All the embassies are located in one area making it easy to walk around and see them all.
The new parliament building was finished and only moved into in recent years. It is a strange and disappointing structure at first glance – a green hill with built-in windows and a strange iron tower on top. The architectural aim was to represent the Australian connection with earth, a gesture to the aborigines. At second glance if you go to the other side of the hill you will see the building in all its splendor.
Mt. Aynsley which is close by, provides a great view of the city both day and night.
All government offices and formal institutions are concentrated in Canberra so you can find for example the National Archives, Heroism Avenue (lined with memorial statues for fallen soldiers in each battle and war), and the Memorial Museum of Fallen Heroes. Although most government workers have to work in Canberra this does not mean that they have to spend the weekend there. Every weekend the mass workforce return to their homes in the big cities. As a result nightlife is not one of the strong points of Canberra.More about Canberra on the official site of Australia.


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Imelda Powers Joins Guy Carpenter's Global Analytics
Guy Carpenter & Company, LLC, the leading global risk and reinsurance specialist and a part of the Marsh & McLennan Companies, today announced the appointment of Imelda Powers as Managing Director of Global Analytics, effective immediately. Dr. Powers initially will be based in New York and will relocate to Beijing. She will report to Bill Kennedy, Global CEO of Analytics, Capital Markets, Specialty Practices and Advisory.
In her new position, Dr. Powers will be responsible for implementing key strategies to enhance the firm's global analytical capabilities. Previously, Dr. Powers worked at Towers Watson for 19 years, most recently as Executive Vice President of the Catastrophe Modeling Group. Prior to joining the insurance industry, Dr. Powers was a college professor for several years.
Dr. Powers has published articles on catastrophe risk management, statistical simulation, game theory and other related topics. She graduated from Oberlin College with a bachelor's degree in mathematics and from Yale University with a doctorate degree in operations research.
Bill Kennedy, Global CEO of Analytics, Capital Markets, Specialty Practices and Advisory, stated "This appointment underscores our ongoing commitment to delivering the best analytical capabilities available to help our clients assess and manage risk around the world. A recognized industry expert, Dr. Powers joins a multi-disciplinary team that together provides a wealth of intellectual capital and resources dedicated to serving our clients' needs."


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La ch'tite famille (2018)
Comedy2018 Year 107 Mins 5.7 Imdb
Dany Boon, Line Renaud, Laurence Arné, Valérie Bonneton
La ch'tite famille is a movie starring Dany Boon, Line Renaud, and Laurence Arné. Valentin D is a hot designer architect who claims to be an orphan because he is too ashamed to admit he is the son of working-class scrap metal...
La ch'tite famille Movie Information
- Production Co: Pathé, Les Productions du Ch'timi, TF1 Films Production
- Released: 28 February 2018
- Imdb Rating: 5.7
- Runtime: 107 Mins.
- Writer: Dany Boon, Sarah Kaminsky, 1 more credit
- Director: Dany Boon
- Cast: Dany Boon, Line Renaud, Laurence Arné, Valérie Bonneton


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Pickett Prive is a one off collection personally selected by Trevor Pickett. Each item is individual and can be purchased through enquiry or appointment
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Order by phone +44 (0)20 7493 9072
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Primo Bebitza Ice/Hot Pack
In Stock. Ships within 24 hours.
- Primo Bebitza ice/hot bag can be used for cold or hot compress remedies
- Re-usable durable and soft on skin
- Resistant to leak and condensation
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In parallel there has been pressure for many years to use more digital/online resources in higher education, albeit often been due less to pedagogy than to ill-informed notions that electronic 'delivery' will save money. However, this has now largely shifted to a desire to improve student experience, especially in light of students who are increasingly 'digital natives'.
Re-use of learning resources has long been recognised as crucial to digital educational experience, with long-standing research in learning-objects and standards such as SCORM. While this has led to substantial projects and repositories such as Jorum (www.jorum.ac.uk), the most widely re-used materials are still textbooks and their associated learning materials.
Early MOOCs were often produced as a by-product of, or alongside, traditional classroom teaching, and early projects such as Classroom2000/eClass showed the potential for lecture-capture technology (Abowd, 1999). Whether produced in this way, or developed 'digital first', MOOC resources, comprising relatively small and self-contained units, may be ideal for re-use as part of classroom-based blended learning or 'flip classroom'. In addition, lessons from MOOCs, particularly on the use of analytics, may be valuable (Seaton, 2013).
When we developed a small-scale MOOC in 2013, one aim was to explore the potential to re-use materials created for online delivery within a traditional setting. So, when we delivered a face-to-face course last year, the MOOC materials were re-used in flip and blended modes.
We used a technology platform being piloted as part of a Talis project, code named Lighthouse. A 'universal content player' enabled the collection of fine grained traces of student activity including particular pages viewed, portions of a video played, dwell time, and pauses. This allows detailed behavioural analytics, but not outcome evaluations. Even more difficult is the evaluation of ease of re-use for the academic; for this we are looking to share experiences and data with academics across different institutions both Project Lighthouse pilots and those using other platforms.
Some aspects worked well, notably the use of learning analytics to monitor out-of-class activity. However, it was evident that the unit size of videos was still too large. Ferriday (2015) showed how breaking videos down increased student engagement; also smaller segments may be more re-usable for different curricula. There is a clear need to create and share fine grain resources such as individual slides, or portions of longer videos.
If MOOCs are to survive, they need to be financially viable. Creation and use in conjunction with mainstream higher education may be a path to sustainability.
Abowd, G. (1999). "Classroom 2000: An Experiment with the Instrumentation of a Living Educational Environment," IBM Systems Journal 38(4): 508–530.
Ferriday, R. (2015). "Innovative Lecture Capture," INTED 2015.
Kerr, J., Houston, S., Marks, L. and Richford, A. (2015). Building and Executing MOOCs: A practical review of Glasgow's first two MOOCs (Massive Open Online Courses). University of Glasgow.
Seaton, D., Bergner, Y., Chuang, I., Mitros, P. and Pritchard D. (2013). "Towards Real-Time Analytics in MOOCs," IWTA 2013.


text: Popular anti-depressant drugs Zoloft and Paxil have been associated with birth defects of the heart. If you took Zoloft or Paxil during pregnancy and delivered a child with a heart birth defect, you may have legal recourse. These drugs are prescribed to treat depression, anxiety and OCD. If your child was born with a heart birth defect and you took Zoloft or Paxil during pregnancy, contact the Kitsinian Law Firm for a case review. Click here to view our consumer alert on Zoloft and Paxil.


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Short blonde hair has a history of lifting up everyone's spirits. If you want to try it, take any of these and then stand in front of a mirror. Your own hairstyle will take your breath. Since blonde has a long series of shades, you can choose any of them without worrying how it will turn out. Be sure that they're all capable of creating an intense dramatic look.
# 1 Blonde Layered Hair
This one is a cute idea to create an effortless hairstyle whenever you need it. To recreate it, just think about creating choppy layers.


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Thursday, November 20, 2008
It's called a skirt
Now while I am highly flattered and seriously grateful for that remark, I actually laughed out loud when I read it because only on a blog could I so deceptively, and carefully give the impression that my house is either stylish, or belongs in a magazine.
Anyone who has actually been in my house knows that in reality, it mostly has a weird paint color in the kitchen, gross carpet, several piles of clutter, random mis-matched furniture, mostly bare windows, and mostly bare walls. It's kind of a temporary situation so we haven't spent to much time making it our own.
And on top of that, I spend way too much time doing things like sewing, and not enough time doing things like laundry...
OK, so its rarely this bad...but still, that is what my hall looks like at this very moment. The dirty clothes are poised to rise up against us.
So in a vaguely related matter, we have this weird little nook in our landing that is sort of a desk area. I mostly use it to pile books, extra printers (I don't know why we have so many), and the spare change jar underneath.
I was getting tired of looking at the clutter so I marched myself to the fabric store and found this lovely pink plaid. I love how the ladies who cut your fabric at the store always ask what you are making. I find that more times than not, I have sort of a difficult time explaining.
"Um, a sort of little curtain cover thing for a counter/desk nook",
to which she replied, "Oh we call those skirts".
And now I know.
So its basically a simple curtain hung with a tension rod. And it hides my junk beautifully. When my sister saw it, she inquired as to why I didn't just clean up the junk.
Huh...interesting point.
11 comments:
hee hee! i love your junk and your "skirt" and your purple tights and your anarchist laundry. and remember when blaine played in your change jar for an afternoon while you helped me sew?!ReplyDelete
oh and p.s. the truth is that avery's room seriously does look like it's out of a mag, so listen here, people, don't listen to a word danielle is saying--she is not deceiving you there! That room is DAR!ReplyDelete
Ha! I must say that you do belong in purple tights my dear :) Love the "skirt"!ReplyDelete
your sisters comment totally made me laugh. ha!ReplyDelete
I believe I was the one who left that comment and it was in reference to a photo of Avery's room, so I feel justified by the comment above. In any case, I'm glad someone else's laundry looks like that sometimes too and what is undisputed is that you have the skills and creativity to decorate your house in a magazine-worthy way.ReplyDelete
I love it. It really is a skirt for that lady above it. And thank you for the laundry pic. I have a pile about that big that needs to be folded and put away. I like dishes but laundry no.ReplyDelete
When I was getting ready for Caleb to come and buying furniture off craigslist, I saw ads for nursery stuff and worried that I didn't have a nursery like the magazine's--is that okay? Then I remembered that my living room and rest of the apt don't look anything like a magazine, and I decided Caleb would be just fine, too. I think you could have a good "how to:" crafts section in a magazine.ReplyDelete
- AnonymousNovember 20, 2008 at 11:39 AM
Oh, I am laughing so hard my sides hurt.ReplyDelete
Don't be too hard on yourself about the laundry. You forgot to tell that your washer and dryer are in the hallway right in front of that pile, and I am sure you will have battled back the beast by later today.
I think the skirt is really cute. It has me thinking...I wonder if I could drape my entire craft room in a skirt? Hmmm.
I think your whole condo is filled with style and personality. It is always so much fun to see what creative thing you come up with next!
Vanessa must be very clean and un-cluttered. Any one with a junk pile would know that even if you clean it up it will somehow end up there again. Or, somewhere else in the house.ReplyDelete
OH Danielle, I just love you!!!! I love your nook's skirt (too funny). I love your honest picture of your laundry (oh how many moms are feeling "me too" feelings). I love how every time I look at your blog...I laugh...not at you, but due to the sincere humor of life you share. Thanks. You always brighten my day.ReplyDelete
I loved the "huh, interesting point" comment to your sister. You make me laugh, Danielle. Hilarious that you made a craft project out of covering the crap corner. I can just see you thinking..."hmmm, crap corner what shall I do with you?! I know! I'll make something cute and girlie to cover you up!"ReplyDelete


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As a default Casambi enabled luminaires are set to use the "Dim and save" Smart Switching mode. This means you can use the luminaires power switch for dimming and setting the default light level.
To start the dimming process, just quickly switch OFF and ON the light fixture from the wall or power switch. After flicking the switch the dimming process will start.
Once the light has reached the desired brightness level just flick the power or wall switch quickly again, OFF and ON, to save the current level as new default brightness for the light fixture.
It is always possible to change the default brightness by starting the dimming process over again.
To set the default brightness level back to maximum, just flick the power or wall switch OFF and ON once and the dimming process will start again. When the brightness level reaches the maximum value it is set as a new default for the light fixture.


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The Strange is all about moving from one world to another, and the translation process from place to place means the character shifts with the change of realities. This makes a book like this something of a necessity, or at least really helpful.
Translating to a new recursion? It's not just about visiting—it's about becoming a part of it. About changing yourself.
Players want options—especially in The Strange, where their characters' foci can shift with each new limited world they visit. Character options are what In Translation delivers! This book provides a bounty of new material and new choices to help make character creation—and translation—even more fun, more interesting, and more varied.
In Translation: The Strange Character Options gives you:
- More than fifty new abilities for the three character types. Explore new moves for vectors, new revisions for paradoxes, and new twists for spinners.
- New descriptors, bringing the total number to more than thirty. Choose from options like Addicted, Crazy, and Slacker (because sometimes a character is best defined by a negative trait) as well as many standard descriptors like Introverted, Kind, and Jovial.
- Dozens of new foci, bringing the total to more than sixty available as characters translate between recursions. New foci include Builds Robots, Calculates the Incalculable, Casts Spells, Grows to Towering Heights, Pilots Starcraft, and more.
- Options for advancement beyond the sixth tier.


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Sep 30th Lecture: Introduction to the 3 systems
Oct 7th Lecture: Skeletal System
Oct 14th Lecture: Youtube Videos for Skeletal System
Oct 21st: No Lecture. Students, please print the following test and answer all questions. Bring your answered test on Wed, Oct 28.
Oct 28th: Students enjoyed meeting Mr. Samson T-Bone McRibs!!!
Nov 4th: There is no lecture on Nov 4th or Nov 11th ( Veterans Day) Students need to download the following Test and answer all questions. Each student should email me the answers before Sat, Nov 14, 8:00 PM. They can type in their answers in the word document and send me the file. The answers need to be succinct.
Nov 18th: Covered bone x-ray and bone diseases
Dec 9th Lecture: The muscular system overview: scroll down in this presentation to view the muscular slides.
Dec 16th Lecture: The muscular system videos
Jan 6th Lecture: The muscular system presentations and review test
Jan 13th Lecture: The Integumentary System
Jan 20th Lecture: The Integumentary System
Jan 27th Lecture: Review & Practice Tests (IGNORE ANY QUESTION THAT IS NOT RELATED TO SKELETAL, MUSCULAR, OR INTEGUMENTARY)


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We offer FREE Shipping on all orders of $250+ . Order directly from us to ensure your product authenticity
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Globetrotting without leaving the house. Our Trend Alert! Global Flair adds internationality to your dining area. Invite your dearest friends on an unforgettable mini escape around the world. From Europe to the mystical lands along the Silk Road, from the Amazon to the Far East – all have space on one table.
Create an atmosphere that puts you in the garden of a cozy French cottage with our tableware from our French Garden collection. Add a touch of Southern French Flair with dinnerware from our Artesano Provençal collection. Our Casale Blu collection allows you to add a Mediterranean ambience to your dining experience. Inspired by central Italy's region of Umbria, Casale Blu features blue and green décor that brings Italian elegance to your home.
Continue your travel around the world to mystical Persia and regions along the famous silk road. Samarkand Mandarin pieces let the world of 1001 nights enter your dining area. The mandarin shades represent the desert like nature, while the delicate patterns carry you off to the Registan, the mosques and mausoleums of the city of Samarkand.From there it is just a short way to the Far East with selected pieces from the Royal Asia Collection and soup bowls especially created to enjoy Asian dishes. Clean shapes bring the typical far eastern tidiness to your table.
End the journey with pieces from our Amazonia collection, transporting you and your guests to the tropical rainforests of the Amazon. Delicate depictions of the local flora and fauna will make it easy to feel like you are therewithout ever leaving the coziness of your home. Even during your morning coffee, a tiny escape is possible with the help of our New Wave Cities of the World collection. Each mug in this collection depicts a major travel destination. Close your eyes, sip your tea or coffee and let your mind wander around one of those bustling cities.
Globally-inspired dinnerware doesn't just let you travel to different places but also through time. Carefully selected pieces from the Audun and the La Classica collections will bring you to a Europe of former times. The ambience and design of Duomo's are recreated through the sophisticated geometric patterns of our La Classic Nuova collection. The Audun collectionlets you glimpse into daily life scenes of early France.


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Harp Services includes a full service commercial air conditioning division dedicated to the indoor comfort of your business. Our commercial staff has the knowledge and training to service and install all makes and models of commercial air conditioning and indoor air quality systems.
The heating and air conditioning team of professionals at Harp ensures unparalleled customer satisfaction by combining years of hands-on experience with top-of-the-line products. The comfort of your employees and clients, throughout the workday, depends on our performance, and we take your business seriously. To that end, we offer a wide range of services, meeting any air conditioning needs you might have, while also adhering to a tradition of fair prices.
Air Conditioning Installation, Service & Repair
At Harp, we recognize that a sudden breakdown of your air conditioning system can cause a major interruption to your business. Our specialists have faced all types of HVAC complications and are prepared to handle any repair, start to finish, never leaving you in anything less than a perfect indoor climate.
For new installation, replacement, repair, maintenance and emergency service, Harp has your air conditioning needs covered. We regularly exceed expectations in thousands of commercial buildings throughout the entire Tulsa metro area. Join our growing list of satisfied business owners. Give us a call today!


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Seventh Breast Cancer Fighters Workshop
New Delhi – Batra Hospital, Batra Cancer Centre in collaboration with Cancer Sahyog and Swar Spandan, organized a free one day interdisciplinary workshop for patients treated for breast cancer, India International Centre, Max Muellar Marg, New Delhi on Sunday August 29, 2010. This was a great success and was taken very well by the participants.
We had a record number of registrations and patients from all over NCR region attended this awareness workshop.
The CEO of Batra Hospital inaugrated the workshop with a very informative speech and reaffirmed his promise to join hands in fighting against this dreaded disease. This was followed by Dr. Sajid Qureshi's talk on the mangement of breast cancer, he had flown from Mumbai especially for sharing his thoughts with us. Following this there was a play on women's empowerment in Indian society organised by artists from National School of Drama and Mr. M.K.Raina was present on this occasion to bless upcoming director Mr. Rakesh.
Shri M.S.Mani who is a renowned meditation master spoke elegantly about the role of meditation and mind controlling techniques to help us fight this disease as well as to ennoble us by coming near to ourselves. He followed this with a 45 min guided meditation session and help root out the stigmas of this disease and its ordeal from our psyche and oncer again fill us with laughter. Oh that reminds me, this was followed by a laughter session by Dr. Santosh Sahi and how well this was taken by the participants as the hall echoed with laughter, the aura was amazing! Mrs. Deepali Batra our clinical psychologist conducted a session on emotional and psychological healing, this was followed by a very informative and pertinent lecture by Mrs. Devika our dietician. The program was a roaring success and was all because of you!


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Flipboard available exclusively on Samsung Galaxy S3, other Android devices to follow soon
It wouldn't be a complete introduction of a flagship device if there wasn't anything exclusive attached to it. Otherwise, we'd have a ho-hum device to offer you, and frankly, that's not what we are about here at Android Authority. As for the Samsung Galaxy S3, we've learnt that owners of this super phone will get free storage of up to 50GB. Fabulous, yes? As for something really exclusive, it appears Samsung has partnered with Flipboard to make the social magazine app available strictly on the Galaxy S3.
Flipboard, as its tagline suggested, is the newest way of reading news and various publications, as well as getting social updates from all of your friends — since everything will be beautifully collated in a magazine-like presentation by the app. Think of it as an RSS reader with more network content (added by you, of course) and a bit more pizazz. Flipboard first came out for the iPad in 2010, but has now found its way to iPhone and iPod Touch.
Flipboard has already announced that it's coming to Android "in the coming months on select Android smartphones". So it can be assumed that the Galaxy S3 exclusivity will only run for several months – making those who really want to get their hands on the app to get the Samsung Galaxy S3. We should note that the S3 is expected to come as early as the end of the month.
The folks at Slash Gear, who have tested the app on the Samsung Galaxy S3, said that it runs similarly to the iOS version, while the gesture-based interface remains intact. Overall, the app runs smoothly without any slowdown. The Android version will also be accompanied by a widget, which makes it handy to see the update on your phone's homescreens.
Do you look forward to the upcoming day when devs make the APK available? Do you think there are better alternatives out there for Android? We look forward to your replies , as it is what keeps us striving for the best reviews and commentary on Android devices!
From: http://www.androidauthority.com
Tags: Flipboard, Galaxy S III, Samsung


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Finally the day comes when your remodeling project starts – congratulations on being patient through the planning and design phases. The next few weeks or months will be more stressful than you think, as remodeling projects bring noise, dust, people coming and going and other unexpected things. You'll give up your privacy if you're planning to live at home. As everyone gets used to the routine, things get easier and many homeowners feel like we're part of the family before we leave.You'll enjoy seeing the daily progress but don't get frustrated on days when it's not clear what happened, i.e. not everyone can see a room once the walls are framed. The sequence of tasks in construction is like assembling a cake – you buy the ingredients, mix the batter, bake the cake layers, assemble the cake and frost it. It doesn't look like a cake until it's done.
Managing a Remodeling Project
Managing a remodeling project is like conducting an orchestra where each day involves different instruments (materials) and instrumentalists (sub-contractors). Your project will have a lead carpenter on the job at all (almost) times, coordinating the delivery of materials and giving direction to the sub-contractors contributing to the overall project.
Greg Greene, owner of Green Construction visits the job site frequently to insure everyone is delivering on his commitment to quality in every aspect of the project down to a daily cleanup routine. Greg believes frequent customer communication keeps everything flowing smoothly, which is the best way to complete your remodeling project on time and budget.
Major Steps in a Remodeling Project
- Obtaining and posting required building permits.
- Site preparation including removing homeowner belongings from the work site and deciding where tools & materials get stored, dumpster, etc.
- Most projects involve some type of demolition work which might be as simple as removing kitchen cabinets or bathroom fixtures to taking everything down to the framing.
- Additions will require excavation in order to build a foundation for the new footprint.
- Structural work involves framing everything from the foundation up to the roof trusses. Smaller remodeling projects might only involve adding or enlarging some windows or moving a wall.
- Home systemsget added or expanded to support project requirements. These will include one/more of the following:
- Heating, cooling and/or ventilation for space being added to your home.
- Plumbing for water fixtures being added and/or moved.
- Electrical for new spaces or often, when reworking a kitchen layout that involves moving appliances.
- Finish work is what everyone waits to see, and it always takes a lot longer than you expect. Working from top to bottom, it includes:
- Painting ceilings and walls.
- Installing cabinets, appliances and bathroom fixtures.
- Installing light fixtures and ceiling fans.
- Installing the flooring.
- Finishing trim work around doors, baseboards, etc.
- There's a final homeowner walkthough to review everything, and …


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A few weeks ago, intelligence agencies and IT security consultants became intimately familiar with something called Stuxnet. Stuxnet is a computer virus that monitors and can reprogram industrial systems such as SCADA, a common system used to manage the electrical grid. Like most computer viruses, the origins and purpose are a bit unclear, though many have speculated that the virus targeted Iran and the country's suspected nuclear program.
What does any of this have to do with cleantech? A lot, in fact. First, it illustrates the fears many have had about the susceptibility of our power grid to cyber attacks. The Department of Energy has been increasingly aware of these dangers, recently awarding $30M to improve cyber security.
Second, and less obviously, it is another selling point for microgrids. Microgrids are localized mini-grids that have their own generation sources (often solar), can be paired with storage, and are connected to the larger (or "macro") grid. Picture, for example, a mall with rooftop solar panels providing power to the retail shops when it's needed, selling excess power back onto the grid when it's not needed, and buying power from the grid if necessary to supplement the mall's energy usage.
While touting the advantages of the microgrid is worthy of a blog post unto itself, let me briefly point out a few benefits here. Microgrids can dramatically reduce operating costs by cutting energy purchases from the grid to negligible levels. And – if the microgrid is equipped with "smart" interconnection equipment like inverters that can sell energy onto the grid when the price is high and use batteries to store it when the price is low – it can even generate income. Of course, it requires up-front capital to finance purchases of solar panels and the like, but payback periods can be as short as one year.
Other benefits include a reduced carbon footprint (assuming the generation source is renewable), diversification of energy sources, and improved power quality. But, in light of a world vulnerable to cyber attacks that wreck havoc on the grid, perhaps the most important benefit is improved security and reliability that comes from a microgrid's ability to operate autonomously from the larger "macro" grid. If the larger grid is shut down by a cyber attack, a microgrid can continue operating undisrupted. And a cyber-terrorist's ability to paralyze an entire economy via an attack on the grid is at least slightly reduced when that attack fails to reach those operating on their own autonomous grids.
Indeed, prominent thinkers in other fields have emphasized the security benefits of moving away from a centralized distribution system to an increasingly de-centralized and autonomous one. One excellent example of this push is Nassim Nicholas Taleb's famous book The Black Swan: The Impact of the Highly Improbable. Taleb believes that unforeseen and highly improbable events are more difficult to predict than we commonly believe. So instead of just trying to predict and prevent them, we need to consider how to minimize the negative impact of such events when they occur. One way to minimize their impact is to build redundancies into a system. A microgrid that can operate autonomously from the larger grid is one way of building a more redundant and robust system. This is why the United States Department of Defense is a major proponent of microgrids, developing microgrids for military bases and improving its security of energy supplies and sources.
Source: Peak Energy.


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Not everyone can be a leader. Which leaves the majority of people in the follower category.The challenge followers face is educating themselves on who , where and how far to follow. As a follower it is important to ensure that you do not lose yourself in someone else's vision. If you are thinking this will never happen to you, I am glad. However, it is easy to get caught up in office politics and competitions for positions that might not be in your best interest.
Sometimes followers actually get into a mindset that prevents them from seeking opportunities that are not within the scope of there current situation. All because they have been made to feel indispensable. But the truth is this: whatever makes you indispensable where you are will benefit you wherever new opportunities exist. Being a follower does not mean you are without options. In fact, you have more options than you think. Use those options wisely!
Give more service than is required and you will receive tenfold!
Posted on 07/07/2013 at 12:00 AM


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Do you cringe when you have a coupon that says "Do Not Double or Triple"? Are you afraid that your store will not double it even when they have a double coupon policy? Well you are certainly not alone. Here are a few things you should know about doubling coupons.
If a coupon has the number 5 as the first number in the UPC code of the coupon, then the coupon will double at the register. If a coupon has the number 9 as the first number, then it will not double at the register as it's coded not to do so. Coupons with the first number of 9 are usually found on blinkie coupons which are the coupons that are in that little red box that hangs off the shelf in your store.
So now you have a coupon with the number 5 (will double at the register) but it clearly states "Do Not Double" on the top (similar to the one pictured above). What happens?
First your store has to have a double coupon policy for any coupon to double. You must know your store coupon policy. Sometimes the same chain of stores, like ShopRite, may have different double policies such as only deduct up to $.99 or like mine, double all coupons that are up to $.99.
Now, onto the "Do Not Double" stamped on top of that coupon. If your store doubles a coupon, the doubled portion of the coupon is considerated a "store coupon". Meaning that the store covers the cost of the double portion, not the manufacturer. Now there are some cases where deals have been made with the manufacturer that they (the manufacturer) will cover that extra double portion. For example,
$.50 coupon <----manufacturer covers cost of coupon
$.50 doubled <----store covers cost in most cases. sometimes a manufacturer will cover this cost as well.
Total coupon price deducted: $1.00
In some cases the manufacturer will cover the full $1.00 if that is something that has been agreed upon between the manufacturer and store. When a coupon says "Do Not Double" it simply means that the manufacturer will not cover that second $.50, so it's at the stores discretion whether or not they will still double it.
What does all this mean to you as a consumer. Honestly, nothing. If your store doubles, then they should still double this "Do Not Double" coupon as the store is offering that extra $.50 (as in the case of the example I gave) as a store coupon whether they are being reimbursed or not.
My suggestion, now that you understand why a coupon states "Do Not Double", is to stop by your customer service counter and have a chat with them about their policies. If they don't know, ask to speak with a manager so you can be sure you have the correct information.


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A reminder of our annual retreat coming this weekend…information and link at the bottom of today's message!
Prayer allows a place for me to bring my doubts and complaints and subject them to the blinding light of reality I cannot comprehend but can haltingly learn to trust.
Philip Yancey
Now Thomas, one of the Twelve, called the Twin, was not with them when Jesus came. So the other disciples told him, "We have seen the Lord." But he said to them, "Unless I see in his hands the mark of the nails, and place my finger into the mark of the nails, and place my hand into his side, I will never believe." Eight days later, his disciples were inside again, and Thomas was with them. Although the doors were locked, Jesus came and stood among them and said, "Peace be with you." Then he said to Thomas, "Put your finger here, and see my hands; and put out your hand, and place it in my side. Do not disbelieve, but believe." Thomas answered him, "My Lord and my God!" Jesus said to him, "Have you believed because you have seen me? Blessed are those who have not seen and yet have believed."
John 20:24-29
The English Standard Version
If you need a boost in your faith, join us in Central Illinois in October for a weekend of inspirational music, messages and time with new friends. It's free! To learn more, visit The 3rd Annual Ranch Retreat.
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The said cash was wired into the company, Sylva Mcnamara within seven months in 2014.
Obanikoro opened up that N2.23billion was transferred to Fayose out of the money...
He said out of the sum, he handed over $5,377,000 to Fayose in cash, N1.3billion was received by the governor's associate, Mr. Abiodun Agbele.
He admitted that the N1.3billion was flown to Akure airport in two chartered flights for delivery to Agbele for Fayose.
The money was sourced from $2.1bn meant for arms from the Office of National Security Adviser.
Obanikoro, who opened up to EFCC detectives however said he is not the owner of Sylva Mcnamara that was used to transfer the funds to Fayose.
But he defended why the money was remitted to Mcnamara including the warding off of a plot by Boko Haram to attack Lagos.
Accompanied by his lawyer, Mr. James Onoja (SAN), the ex-Minister was confronted with a petition from ONSA which was dated November 28, 2015.
The petition was titled "Payment to companies with no contract awards or approval."
He said having gone through the petition, he discovered that Sylva Mcnamara was No.78 on the list of firms being investigated having "collected the aggregate sum of N4,685,000,000 between April 4, 2014 and November 13, 2014.
A source quoted Obanikoro as saying that "the sum of N2.2bn was transferred to Sylva Mcnamara for onward transfer to Mr. Ayodele Fayose on the instruction of the NSA.
"The sum of N1.3billion cash was brought in a bullion van by Diamond Bank on the instruction of the NSA.
"In addition, the sum of N60million was converted to dollars at the rate of N168 per dollar and altogether the sum of $5,377,000 was handed over in cash by me to Mr. Fayose while the N1.3billion was received by Mr. Fayose's associate, Mr. Abiodun Agbele in the presence of my Aide-de-Camp (ADC), Lt. Adewale who also accompanied them to the bank along with the bank officials.
"I didn't interact with the bank officials. I called Fayose before the funds were handed over to Mr. Abiodun Agbele. I spoke to Fayose with my phone at Akure airport."
On how the cash was transferred to Fayose, the source said Obanikoro told investigators that "two flights were used to convey the money from Lagos.
The ex-Minister said he " took off with the first flight with part of the money while the second flight brought the remaining funds to Akure local airport and I directed that it should be handed over to the same person."
The source told The Nation that Obanikoro however claimed that part of the cash was used to ward off Boko Haram aggression in Lagos and in the South-West in general.
The source added: "He told us that he is " not the owner of the company in question but introduced the owner, Mr. Kareem Taiwo to the NSA, Mr. Sambo Dasuki when the threat of Boko Haram became more visible in Lagos.
The EFCC had discovered that Sylvan Mcnamara Limited, allegedly owned by Obanikoro and his sons, was used to launder the N4.745billion.
The company, which was incorporated in November 2011 had the following as its directors: a close aide of the ex-Minister, Ikenna Ezekwe(700,000 shares) of 51 Simpson Street, Ebute-Metta; Idowu Oshodi(299,000 shares) of 8, Prince Tayo Adesanya Street, Park View Estate, Ikoyi; and Elizabeth Adebiyi(1,000 shares) of 3, Adedoyin Street, Ijeshatedo, Surulere.
But Ikenna Ezekwe has had his accounts de-frozen by EFCC since the funds were not traced to him.
A document said: "To set the stage for the use of the company for money laundering, the board of directors on May 7, 2012 passed a resolution that the company should open an account and appointed Mr. Gbolahan Obanikoro, Ikenna Ezekwe, Ms. Theresa Matuluko (Secretary) and Mr. Babajide Obanikoro as the signatories to the account.
"The board added that the signing combination be that any of the signatories can sign alone."
According to EFCC, when it was time to illegally draw the N4.745billion from ONSA as war chest for Ekiti Governorship poll, ex-Minister Obanikoro made the account of Sylvan Mcnamara Limited available and coordinated the disbursement.
The breakdown of the disbursement was as follows:
N N759, 384, 300 changed into dollars through Bureau De Change firms; N160million used to purchase cars through Balmoral International Limited; N1, 219, 490,000 ferried by Obanikoro in two flights to a branch of Zenith Bank at Plot 13, Alagbaka Estate, Akure to evacuate the cash and received by Fayose's associate, Abiodun; balance of about N2billion withdrawn by Obanikoro and his two children in cash.


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If you want to sell your home quickly and provide the appeal that buyers are looking for, there are a few things that you should know about in relationship to what buyers are looking for. Buyers look for clean, inviting properties that they can see themselves in. Below, you'll find the tips to help you create that appeal.
What Does The Home Look Like From The Curb?
The first impression that buyers will get from your home is what it looks like from the curb. Your yard should appear neat and inviting when potential buyers pull up to the home. This means that before an open house, you should rake up the yard, add some colorful plants or flowers if you don't have any, and be sure that the lawn has been mowed.
Stage Your Home
As much as you think that lighting candles and organizing the inside of your home just so is slightly over the top, do it. Everything in your home should be neat. Don't leave unsightly papers laying around or furniture in disarray. Prepare your home for an open house as you would for a magazine shoot.
Photographs Matter
The first place most people start their home search is online. If the photos of your home on the listing aren't high quality and fail to give a good visual of the home, buyers will scroll right past it. You can even integrate video tours with the listing as well. To get people to attend an open house, you need to get them virtually interested first.
Make Updates If You Know That You're Selling
There are certain changes that just look great on a home. These include updated appliances, new cabinets, bathroom updates, and new flooring. Updating these things also can facilitate a big return on your investments. Buyers love homes that don't need a whole lot of work- especially in the kitchen and the bathroom. They are willing to pay for these luxuries.
Know The Market
Hiring an agent who knows the market is one step in the right direction to selling your home fast and easily. Your agent will help you to price your home appropriately based on many factors including the neighborhood, the size of your home, and the demand that is present in the market. Price a home too high and you'll leave the home sitting on the market for an extended period of time. If the home is priced too low, you could end up in the middle of a bidding war. Worse, buyers may wonder what's wrong with the home that it is priced so low.
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A lawyer for a man suspected in the presumed death of his traveling companion in Aruba says prosecutors in Maryland are dropping an unrelated indecent exposure charge.
A lawyer for Gary Giordano told The Associated Press that a prosecutor informed him of the decision Friday.
Giordano was arrested in May after Annapolis police say he and a woman were found naked in a parked car. Giordano was charged with indecent exposure and the case was set for trial next week.
Attorney Steven Kupferberg asked for the case to be dismissed, saying no crime had been committed.
State law makes it illegal to be naked willfully or intentionally in public. Kupferberg says that wasn't the case here.
Giordano was held in Aruba for about four months but never charged.


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I Needed a Better Explanation
As I grew up, every Friday night my family would gather about the table. Mother lit the Sabbath candles. It was a special tradition, not for religious reasons, but because it was time we spent together. My brother and I learned of the holidays and traditions through our parents' teaching, as well as by attending religious school.
While I knew I was Jewish and had a sense of belonging with other Jews, and felt a warmth toward my Jewish heritage, I did not relate being Jewish to my thoughts about God.
I became a firm atheist" during high school and came to feel that God was a crutch for those who couldn't cope. I never did believe in a Messiah, but rather in a "Messianic Age"; a time when there would be peace and brotherhood brought about by people—not by God. I wanted to have a part in this; I decided to become a doctor and entered the biochemistry program at the University of California at Davis.
On my first day in the dormitory, I passed a room which had a sign in Hebrew on the door. It said, "Hineni." I soon learned that this was the room of the dorm's resident advisor. I asked why he had the sign on his door, and he explained that when God called the prophets, they answered "Hineni" in obedience to Him. He wanted to be available to God in the same way. I was slightly confused as to what one had to do with the other but concluded, "This guy is religious." My confusion was compounded when I found his room full of Jewish items—a menorah and posters of Jerusalem—although I knew he was not Jewish. I couldn't understand why a Gentile would be so interested in Jewish things, so I began asking questions. It wasn't long before I learned that he believed Jesus is the Messiah. "So that's the punchline of his talks," I thought angrily. It was okay for him to believe in Jesus, but he was combining Jesus with Jewishness and that really bothered me.
After I got over my initial anger, I began talking with him more frequently. Actually, I didn't talk as much as I argued. After six months of arguing, I finally dug out the Bible I had received from my synagogue. Although I wouldn't admit it to anyone, my humanism had been shaken by talks with this Christian. I had wanted to work toward making the world a better place, but now I recognized that the world hadn't gotten any better. Though technological knowledge had grown, our basic nature had not changed. I realized that the roots of the problems of history, such as pride and greed, were still present.
While reading my Bible one day, I came across Jeremiah 29:11-13:
For I am mindful of the plans I have made concerning you—declares the Lord—plans for your welfare, not for disaster, to give you a hopeful future. When you call Me, and come and pray to Me, I will give heed to you. You will search for Me and you will find Me, if only you seek Me wholeheartedly.
I clung to these words, and it was at this point that I told God that if He were there, I truly wanted to know Him. At the same time I was frightened to find out if Jesus was the Messiah. Determined to find someone who could alleviate those fears, I called the leader of the Jewish organization on campus. I was quite upset when I arrived at his office, but he tried to reassure me by saying I was putting too much emphasis on God and the Bible. These, he explained, were not so important in Jewish thought today.
My talk with him only caused more turmoil. The school year ended, and I was still confused about Jesus. In many ways I was relieved to get away from my Christian friends. I went to talk to my rabbi, hoping to learn more about God in a strictly Jewish sense. As I told the rabbi of my desire, he asked, "Did you meet Christians who were trying to convert you?" I felt so relieved that he understood the situation without my having to explain it.
"Well, a lot of people were trying to 'save' me," I admitted. "Does this happen to a lot of Jewish students when they leave home for the first time?" He said that it was common, and gave me some books that would better explain Judaism.
I read Basic Judaism, Where Judaism Differs, and This Is My God, but they did not clear up any of my confusion. The writers spoke of God in a personal way, yet they proposed that we could come to God without a mediator. Most of what these authors taught was not from the Bible (which I was continuing to read), and I couldn't figure out how everything fit together.
Eventually, I got up enough nerve to read the New Testament. I was surprised to find that Jesus taught Jewish truths in a way that I could understand. Jewish people listened to him and many even accepted his teachings. Could I accept them, too?
I decided to delve more into the prophecies concerning the Messiah. When I read in my Bible where the Messiah was to be born, when he was to come, and how he was to die, I knew that Jesus' claims were no prearrangged hoax.
My decision to believe in Jesus was not easy, no matter how much evidence God gave me. It still took faith. God gave me that faith, and His promise in Jeremiah 29 that I would find Him if I wholeheartedly sought Him came true.


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Balmain Hair set out on a mission 40 years ago to process the best hair in the world. This French Fashion House has dressed countless celebrities and now their well-trained team of specialists are active worldwide in training and consultation for hair extensions. With a six month guarantee on their hair, they not only offer hair extensions, but quality hair from a reputable company.
Balmain offers a variety of hair extensions, including Tape Applications, DoubleHair, and Systéme Volume. Their hair is sourced in South East Asia and has been manufacturing hair from the same supply chain for over 30 years. Balmain has created sourcing guidelines with their manufacturer and supply chain to deliver high quality products to their customers.
If you are insecure about your hair extension application skills, Balmain recommends their hands-on training courses.


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Furniture Slideshows
Featured Topics
Browse Topics in Furniture Slideshows
The Idea Behind Furniture Slideshows
Sometimes a picture is all it takes to get inspired, so furniture slideshows are designed to help you get that perfect patio, the bedroom you've been waiting for, or the retro rec room you've wanted for ages. There's something for everyone-and every room. Look for slideshows with a specific room in the title or a certain style you have in mind, like vintage to find exactly what you need. Furniture slideshows can beautifully demonstrate just how to incorporate pieces into your home and show you styles and designs you may not have known existed.
Within Your Budget
If you're afraid that looking at furniture slideshows could be dangerous for your wallet because you're on a tight budget, don't worry. There are slideshows designed with affordability in mind, like Affordable Funky Furniture and Inexpensive Computer Desks. There are also slideshows that consist of creative ways to use your furniture, so you may even get an idea for making something you already own new again. You won't have to be tempted to go outside of your budget in order to make your home look phenomenal.
Ongoing Projects
Decorating your home, your patio, your vacation house, your office, or your home office is an ongoing process, so keep checking back for new ideas. You can find out more about keeping your patio looking great all year, giving your bedroom exotic appeal, or even giving your rec room a facelift-with pictures to show you how it's done.


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Tulsa, OK - Headlining Loony Bin 8:00PM & 10:30PM
Headlining two shows at the Tulsa Loony Bin. 8:00PM & 10:30PM!
Ticket Link coming soon!
Headlining two shows at the Tulsa Loony Bin. 8:00PM & 10:30PM!
Ticket Link coming soon!
Headlining two shows at the Loony Bin, 8:00PM & 10:30PM
Ticket Link coming soon
Performing on a Comedy Show in Overland MO, details coming soon!
I'll be hosting a Cancer benefit at the Babylon Bar and Grill!
More details coming soon!
Doing Comedy with Bare Knuckle Comedy at The Monocle.
4510 Manchester Rd, St.Louis, MO 314-932-7003
Two shows tonight with me as the middle act, and Raanan Hershberg headlining!
Showtimes are: 8:00PM & 10:00PM!
More info at: www.417comedy.com or by calling 417-986-4866!
Check out a clip of Raanan Hershberg:
I'll be the middle performer tonight for 1 show at 8:00PM with Raanan Hershberg Headlining!
More info and tickets available at: www.417comedy.com or call 417-986-4866
Clip of Raanan Hershberg:
I'll be closing out the Blue Room Comedy Clubs Local Showcase on this Tursday! Get tickets and more info at :
Headlining the Cup n' Cork! Come out and get Cuped or Corked!
Helium Comedy Club of St. Louis is hosting their annual "Funniest Person in St. Louis" Comedy Competition. Steve Poggi is set to perform this night. Will he advance to the next round? Will he say "ahh screw it" and get too drunk to perform? Only time will tell!


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A new report from Meritalk shows that key technology initiatives – like consolidation, virtualization, cloud computing, remote access, and infrastructure diversification – could drive $19.7 billion in IT efficiencies and cost savings in the federal government. A survey of 300 Federal network managers provides peer-sourced savings estimates for each of these key IT infrastructure initiatives. By fully leveraging all five initiatives, network managers believe they could save 24% of their IT budgets.
Some agencies are reaping the benefits already. So far agencies have saved 10% of their budgets, or $8.5 billion annually. While consolidation offers the biggest total potential savings, the biggest success so far has come in remote access, where 40% of federal agencies have fully deployed solutions, saving $2.3 billion in the process. As a leading provider of secure remote access solutions to the federal government, we can confirm that our customers are achieving substantial savings from increased operating efficiency and reduced expenditures.
If you are one of the 60% of federal agencies that have NOT yet fully deployed a remote access solution, then we invite you to talk with us about how to achieve your savings goals. Netop offers a FIPS-compliant secure remote access solution that lets you access your equipment from almost any location, manage access rights comprehensively and generate reports on all remote activity. Learn how Netop Remote Control can help you resolve IT problems faster and reduce your operating costs.


text: SCC to hear case involving contingent liabilitiesJuly 5, 2012|Written By Jennifer Brown Tax practitioners are hoping the Supreme Court of Canada will provide some guidance when it comes to the tax implications of a purchaser assuming a future obligation of the seller it is acquiring assets from.'Normally, it's agreed there is a future contingent liability, but how to quantify that amount is not agreed upon,' says Janice Vohrah. (Photo: Shutterstock)The SCC recently granted the taxpayer leave to appeal in the case of Daishowa-Marubeni International Ltd. v. The Queen, which involved the sale of timber licences and an estimated cost obligation for reforestation activities. "It will be interesting to get the Supreme Court of Canada's take on this and their views," says Janice Vohrah, an associate in the tax group of Cassels Brock & Blackwell LLP. "I think it's possible the courts will come up with the right answer."In 1999, Daishowa sold two Alberta sawmill operations in separate assets sales to third parties. Included in the assets were licenses to cut timber. These licences obliged the owner to reforest all lands it cut in the future.Under Alberta law, the timber licences could not be transferred unless the reforestation liabilities associated with the licences were also transferred to the new owner. The parties estimated the cost of each reforestation liability and reduced the purchase price accordingly, as is consistent with prevailing practice."It's common to have contingent liabilities being assumed but the way the parties dealt with it is a little novel in the fact that they put a specific amount and agreed to a specific amount on what that future liability would be," says Vohrah.The estimated contingent amounts were disclosed in the purchase agreements, and the parties agreed they would make adjustments if the final determination of the reforestation liabilities was higher or lower than the estimates.Vohrah says it is standard practice to only include in the calculation of the purchase price actual amounts that appear on the balance sheet and no contingent liabilities."Normally, it's agreed there is a future contingent liability, but how to quantify that amount is not agreed upon," she says. "It's our opinion no value should be attributed and it's not necessarily something that is in the purchase price section. It shouldn't be part of the consideration," says Vohrah.When reporting the income from the asset sales for tax purposes, Daishowa did not include the estimated contingent amounts of the reforestation liabilities in its proceeds of disposition.The Minister of National Revenue reassessed Daishowa to include such amounts in respect of both sales. Daishowa appealed to the Tax Court of Canada.?The Tax Court held that the reforestation liabilities should be included in Daishowa's proceeds of disposition, but discounted the amounts since the agreements only included estimates of the total liability.On appeal, a majority of the Federal Court of Appeal held that the entire amounts the parties estimated for the reforestation liabilities should be included in Daishowa's proceeds. The dissenting judge would have not included any amount in respect of the reforestation liabilities in the proceeds of disposition because in his view, the liabilities were an integral part of the timber licenses that depressed the value of such licenses but did not result in separate consideration when the licenses were sold.In its leave application, Daishowa raised several issues that it asked the court to consider on appeal, including the more general question of whether contingent liabilities should be included in the proceeds of disposition in an asset sale. However, the court limited the issues to be heard to two specific issues:• Should the reforestation liabilities inherited by the purchaser be included in the proceeds of disposition?• Does it matter that the parties agreed to the future amount of the restoration liability?A hearing date has not been set.