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I've stayed twice and both experiences were great. It's an unexpensive and really well located ryokan. The place is quiet, the rooms are comfortable, and the showers and toilets are always clean. The staff is very helpful.
We stayed in Kimi for 4 nights after reading its glowing reviews... even my own brother raved about it. The first two nights were less than satisfactory, as we were given a room on the 5th floor and it smelled overwhelmingly of mould. And I don't mean it was a little stinky... I'm talking full on olfactory assault as soon as you opened the door. Sure enough, I pulled back my mat and discovered a flourishing colony of mould growing along the baseboard! So after 2 nights (me not wanting to be an imposition, but also not being able to stand it anymore) I advised the hotel that we wanted to change rooms because of the mould. The staff were very nice and accommodating, and told us that the tatami mats were being changed throughout the entire place, and they hadn't reached the 5th floor yet. So we got moved to a room on the 3rd floor and it was great. For the price, the facilities and common spaces were clean and well kept - I would definitely recommend staying here (in a room that had new tatami and no mould, of course). Despite my request the staff were friendly and didn't give us a hard time about changing rooms at all. I mean it's a budget ryokan - so for the price, it was great.
I actually picked this place to stay because I wanted to stay at a Ryokan regardless of price or location. It just so happened that Kimi Ryokan was in a very convenient area with a nice price to go along with it. Japan raised their taxes making the price of this place go up a bit but for where it is and what you get its a great deal! The place is nestled in Ikebukuro which has tons of restaurants and is a major transit station with both a JR line and several subway lines running through it. The ryokan was very clean and had many facilities. There was laundry, a lounge and even a roof top terrace available for you to use freely. Just be careful when Google mapping for this place, as there is another very similar address Google picks up and it will lead you astray! This ryokan is right by a grocery store as well which is nice to just get an apple for breakfast on your way to the train.My room was spacious and very comfortable. It was as expected a traditional bed on a mat floor. I was on the fifth story of the building, which was no problem however the actually Ryokan entrance was down a short flight of very steep stairs which made checking in and out difficult due to my suitcase being heavy. The sinks were clean as was the shower, which is American style, but I did notice a weird scent in the shower room. It wasn't anything too bad but it wasn't pleasant.Staying here at Kimi was a great experience, I just wish it was a bit easier to get into with a suitcase and the WiFi cut in and out a lot which was just a small annoyance.
Stayed here for 2 non consecutive nights. This is a good example of Ryokan for those traveling in Tokyo. Don't compare with the expensive ryokan with all the meal provided. This is different, no meal at all. We love the japannese bath tub, just like private onsen, very relaxing, you must try this. Go to the rooftop, just to see the city view and the beautiful flowers in the pot.There's many restaurant & store between Ikebukuro station and this ryokan. Be careful when you walk alone at night (especially woman), there's pachinko/slot machine on your way and there's bad guy on the street, not comfortable situation, keep walking anyway... A little bit far from station, you need to walk around 15 minutes if you followed the map given by the ryokan. But there's another exit from station and you'll only walk 8-10 minutes to the ryokan from there. Very English friendly, even there's an explanation in English for the AC remote control. Great services, you can just put your luggage before and after you stayed here. There's many luggage I see on those internet room, beside the front office. Great wifi in the room. Plenty of shower, wash basin and toilet, no need to queue.You can see photos and more of our experience in this ryokan at http://pasangantraveling.wordpress.com/2014/04/26/japan-22-31-march-2014-part-3/ and http://pasangantraveling.wordpress.com/2014/04/26/japan-22-31-march-2014-part-4/
I "splurged" myself with staying last night at KIMI Ryokan after 2 weeks of backpacking in Japan. Before I had stayed at 2 hostels in Tokyo close to Asakusa station on the other side of the city. Asakusa is great for the "old" feeling of Tokyo but Ikebukuro station, where KIMI is located is way better location for exploring Rappongi, Shibuya, Shinjuku. Ikebukuro is one of the biggest stations in Tokyo with many subway lines connecting. KIMI ryokan is a budget version of traditional japanese "hotel". I stayed at 4.5 mats room. It is enough for 1 peson, can be bit too small for 2 people, but will work for a couple without too much luggage. Bathrooms are shared and can get busy especially in the morning. Towel is provided and there are free toiletries too. Location is great, less than 10 min walk from the station, just don't get lost and pay attention to exit numbers. 4.5 mat rooms on the first floor can be noisy due to the common room and elevator.A lot of restaurants, bars and budget soba/udon places within 0 to 10 minutes walk. If I ever come back to Tokyo I will stay at KIMI.
We stayed in the Ikebukuro area. We loved it because it's busy enough but not touristy. Ikebukuro is very convenient for travel on the train with the connecting lines including the Yamanote line. We stayed at Kimi Ryokan which is about 7 minutes walk from the train station. The staff here are very friendly and speak English very well. The rooms are small but comfortable – I loved the futons! The bathrooms are shared (separate showers and basins on each level) and are clean and thoughtful (shampoo, body wash, toothbrushes and hairdryer provided). The best way to bathe though is to use the wooden tub. There is one for sharing – just let reception know you would like to use. It is so relaxing! There is a communal room near reception with free green tea. Wifi is free and great (even in the rooms). The heaters were very warm (it was cold in February). The washing machine and dryer are very convenient (keep your 100 yen coins handy). There's also an elevator so getting luggage up to the rooms was not a problem. Overall a really fabulous stay here - excellent value and service.
When I return to Tokyo, I will definitely stay here again. The location was fantastic - close to shops, right next to the restaurant district of Ikebukuro, and only a few minutes walk to the subway. The rooms were clean and quiet. The staff were extra friendly and helpful, and nothing was too much trouble.We had 3 kids in tow - 9, 12 & 14 yrs old. The kids loved the place too. The 5 person room was unavailable, so Kimi made sure we had adjacent rooms which worked out even better! (the kids in a room of their own! :) ). Perfect!The shared kitchen was small, but quite adequate, as this is quite a small ryokan, so you are not sharing with a lot of people - great for kids to make toast in the mornings. The beer vending machine was much appreciated some nights too.This isn't the Hilton, but that is not what we are looking for when we travel. As far as more traditional Japanese accommodation goes, Kimi Ryokan is up there with the best we have stayed in.
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text: Photo by SAUL LOEB/AFP/Getty Images Mass. AG Calls For Scrutiny Of Salaries For CEO's Of Charities By Jim Phillips December 19, 2013 Attorney General Martha Coakley is calling for greater transparency in the reporting of compensation for top executive of Massachusetts charities. ... Read More|Comment Category: Articles, Southcoast News Tags: ATTORNEY GENERAL, compensation, martha coakley, nonprofit CEO's, Top Executives Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!

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MTV to Unleash Snooki on NYC New Year's Eve
Friggin' Snooki.
Who better to ring in the New Year with? Who better to be placed inside a ball and dropped on live TV to boot? No one, at least in MTV's eyes.
Friggin' Snooki.
Who better to ring in the New Year with? Who better to be placed inside a ball and dropped on live TV to boot? No one, at least in MTV's eyes.
With 2010 drawing to a close, it is with much pride that THG unveils its 10 finalists for its prestigious, Fourth Annual Celebrity of the Year award.
These stars all gave us their best, their worst, their nude pics (sometimes) and their scandals (often). This month, THG honors that greatness.
We're not sure what's more awesome/upsetting about America, that Snooki can earn $5,500 an HOUR or that said dinero is hers via a New Jersey tanning salon?
The Jersey Shore star is scheduled to appear at a holiday party Friday night at Sizzle Tanning Salon in Totowa, N.J. Time commitment: Two hours. Fee: $11,000.
Gossip Girl star Leighton Meester normally gets high marks for her fashion. Here, her top may or may not double as a fishing net ... economical at least.
Then we have Snooki. Sure, that thing looks straight off the Dancing With the Stars discard rack, but at least her cooca's not on display. Small victories.
America's favorite Oompa Loompa turns 23 today. Happy birthday, Snooki!
No, the big day wasn't any of the past 10 days or so that the Jersey Shore star has been celebrating it - that was just pregame! Today is the day of Snook!
Snooki from Jersey Shore turns 23 tomorrow, but like fellow November 23 birthday girl Miley Cyrus, she got the party underway early over the weekend.
Unlike Miley's birthday party, Lifestyles condoms sponsored it.
Sorry, Emilio Masella. You missed your shot, dog. Maybe if you weren't a drunk skank with no job (quote courtesy JWoww), you'd still be with Snooki.
Instead, Jionni LaValle has stepped into the role - and they're in love!
Emilio Masella briefly dated Jersey Shore star Snooki, then went on to star in Tower 69: Malibu Beach Patrol Featuring 3-D Boobs, a Spencer Pratt film.
That's basically his life in a nutshell.


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Creator: Maxey Whitehead
Maxey Whitehead (born June 15, 1985) only joined FUNimation as a regular voice actress a few years ago, but is already making an impact, landing many major roles in huge titles. She has a background in live theatre and entered the fandom very suddenly. Her first role in ADR acting was Antonio in Romeo X Juliet, but her break-out role was particularly demanding: Alphonse Elric in Fullmetal Alchemist: Brotherhood Aaron Dismuke matured and he could no longer play the role. She used the same bowl that Aaron used to speak into while recording as the character. So far, she usually gets cast as soft-spoken, emotional woobies and/or young boys.
Notable roles by Maxey Whitehead:
- Akibi in One Piece
- Alphonse Elric in Fullmetal Alchemist: Brotherhood, darrin'ing Aaron Dismuke
- Announcer in Big Windup
- Antonio in Romeo X Juliet
- Aomi Yanagisako in A Certain Scientific Railgun
- Chutaro Nezumi in Okami-san and Her Seven Companions
- Crona in Soul Eater
- Czeslaw Meyer in Baccano!
- Dende in Dragon Ball Kai
- Doris in The Sacred Blacksmith
- Ellis in El Cazador de la Bruja
- Hiroki Sawada/Noah's Ark in Case Closed: Phantom of Baker Street
- Kazuma Ikezawa in Summer Wars
- Ladylee Tangleroad in A Certain Magical Index: Miracle of Endymion
- Lilith in Rosario + Vampire
- Poyon in Sgt. Frog
- Ranmaru Mori in the Sengoku Basara anime
- Sealand in Axis Powers Hetalia
- Shiina in Sekirei
- Tsukimi Kurashita in Princess Jellyfish


text:
Is your resume in need of a little disruption?
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Engineering Pasadena, CA Apply Now Send Jobvite Do you want to work on one of the world?s hottest advertising technology platforms? Do you revel in the challenge of managing web-scale services and their underlying infrastructure, including thousands of globally distributed8/19/2015 Pasadena, CA Save This Job
Tracking Code 52-099 Job Description SUMMARY: The Manager of Quality develops, implements, and maintains all aspects of the corporate Quality Management System to ensure that company?s quality goals and core strategic objectives are met. He/she provides oversight and guidance to8/19/2015 Princeton, NJ Save This Job
Job Description BioIQ is seeking an Account Manager to ensure the highest level of service to clients. The ideal candidate is comfortable with a high degree of autonomy and an agile, collaborative work environment. We offer competitive salary based on experience and a great work8/18/2015 Santa Barbara, CA Save This Job
Location:Carlsbad, CA Job Code:852 # of Openings:1 Description POSITION: Customer Operations Manager DEPARTMENT: Customer Service 310 REPORTING SUPERVISOR: Managing Director, Customer Operations DIRECT REPORTS: Yes FLSA: Exempt TRAVEL REQUIREMENTS: up to 25%8/18/2015 Carlsbad, CA Save This Job
Job Description BioIQ is seeking an Account Manager to ensure the highest level of service to clients. The ideal candidate is comfortable with a high degree of autonomy and an agile, collaborative work environment. We offer competitive salary based on experience and a great work8/18/2015 Santa Barbara, CA Save This Job
Posted: June 4th 2015 The Account Manager will report to a Director of Account Management, and will work full-time out of ZoomSystems? San Francisco office. The Account Manager is responsible for supporting all account activities. In addition to working with the Client, the8/17/2015 San Francisco, CA Save This Job
Ad Operations Manager Redwood City, CA Operations Job Description Yummly is a Silicon Valley based startup focused on building the digital kitchen platform and mapping the food genome...making life better/easier/more fun for everyone who cooks. We have an incredible mix of8/17/2015 Redwood City, CA Save This Job
Position Overview The Manager, Technical Support provides guidance and support to the Technical Support Team. This team is responsible for the delivery of technical support to our customer base as well as internal team. The Manager, Technical Support is responsible for ensuring8/16/2015 Redwood City, WA Save This Job
JOB SUMMARY: This person will be responsible for demand generation and pipeline acceleration across all segments. The right candidate has deep experience managing marketing programs focused at both technical and executive, line of business audiences. A critical job skill will be8/15/2015 San Jose, CA Save This Job
As the Publisher Operations Manager at Operative, you will be responsible for managing the trafficking and ad operations for our agency clients. You will serve as the primary point of contact between the trafficking team and the ad agencies for testing, execution, optimization8/12/2015 New York, NY Save This Job
Job Description Responsible for GLT U.S. Sales activities within assigned territory including: project management, providing quotations, developing new customers, and adding new applications at existing customers. Travel will be required for servicing and expanding of8/11/2015 Brecksville, OH Save This Job
The role: Do you have a talent for building relationships with diverse people, working together to accomplish a common goal? Are you results-oriented with great attention to detail? Do you love variety in your work that allows you to grow and further develop your skills? The8/11/2015 Menlo Park, CA Save This Job
Customer Marketing Manager Zuora is looking for a Customer Marketing Manager focused on telling amazing subscription stories. As our Customer Marketing Manager at Zuora you will develop compelling, dramatic, and thought leadership stories from customers who are reinventing the8/11/2015 Foster City, CA Save This Job
Engineering Foster City, CA, United States We?re looking for a brilliant Engineering Program Manager and ScrumMaster to join our team. Our team provides the project management power behind Zuora?s platform that enables the Subscription Economy. Our vision of success is that it8/11/2015 Foster City, CA Save This Job
Overview GlobeSherpa is a Portland, Oregon based software company that specializes in mobile payments for transportation. We provide a secure, mobile payment and mobile ticketing platform for transit customers interested in moving to open payments, open data, and mobile fare8/11/2015 Portland, OR Save This Job
Location: Washington, DCDepartment: Marketing and CommunicationsType: Full TimeMin. Experience: Experienced Do you have a passion for education technology and would like to contribute using your superior organizational and management skills? If so, we might have a position for8/10/2015 Washington, DC Save This Job
DEPARTMENT Marketing, Design, & Web CITY Los Angeles, CA TYPE Full-Time What you?ll do As a Marketing Manager, you will responsible for leading the marketing strategy for a range of exciting products in the networking space, with a centralized focus on the Linksys brand! To8/9/2015 Los Angeles, CA Save This Job
Position Description: Technical Product Manager is a critical position responsible for the success of SailPoint products in the marketplace. The position requires a strong technical understanding of enterprise software, customer IT environments, and rapidly evolving identity,8/9/2015 Austin, TX Save This Job
Marketing Optimization Manager: Reply.com, the leading marketplace for locally-targeted advertising, is searching for a Marketing Optimization Manager for our San Ramon, CA office. The Marketing Optimization Manager will handle creative optimization for the entire customer8/9/2015 San Ramon, CA Save This Job
Job Description The Senior Marketing Campaign Manager is responsible for the planning, execution and measurement of outbound sales campaigns. The candidate will have overall responsibility for the project management and coordination of the cross-functional teams (marketing,8/9/2015 Mountain View, CA Save This Job


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Crete, NE
It is a requirement to obtain the Certified Flight Registered Nurse (CFRN) certification within two years from the date of hire....
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RN Staff
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Lincoln, NE
REGISTERED NURSE (Preferred). Will provide direction and monitoring of medication administration by Nurse Associate/Medication Aide....
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Nurse for Corporate Flu Clinic
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We are currently hiring RN's and LPN's for Corporate flu clinics in the Lincoln area. These clinics are on Thursdays and Fridays in October. Experience and
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At least 1 year of experience as a registered nurse. Assists the Supervisor or Nurse Manager with chart audit functions as time permits....
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Proficient with use of email applications preferred. Currently licensed as a Registered Nurse in the state of Nebraska or current compact state license required...
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1 year(s) experience / knowledge in a management / professional position including medical case management, nurse supervisor or charge nurse responsibilities....
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Current, unencumbered license as a Registered Nurse. Qualified nurse educator or clinical expert who, on a PRN basis, is responsible. Impact and Scope:....
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Proficient with use of email applications preferred. The Ambulatory Surgical Staff Nurse can work within intra-operative, pre-operative, and post-operative...
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Lincoln, NE
Job Responsibilities The Area Clinical Director is responsible for the on-going support, audit, training, and compliance of field clinical services provided
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RN Short Stay FT (1.0) Day/Evening CHI Health St.Elizabeth
at Catholic Health Initiatives
Lincoln, NE
The Registered Nurse demonstrates competency in nursing practice as outlined in the Nebraska Nurse Practice Act. The RN I is a novice nurse....
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Pro basketball retirees talk shop at retreat
Conference addresses life after pro career ends
PORT ST. LUCIE — Wandering through the maze of reception areas at the Club Med Sandpiper Bay resort this weekend, it's impossible to not look up at the veritable forest of former athletes on the grounds.
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Rugby World Cup app: Follow RWC 2015 with The Independent's unique app
All the details you need to download our free app
We are currently trialling our new-look independent.co.uk website - please send any feedback to firstname.lastname@example.com
All the details you need to download our free app
The change will take effect from next year
Report finds no firm evidence that risks are greater than in other contact sports
The forthcoming World Cup in England, now just seven weeks away, will generate more hard cash than any previous tournament: independent analysts expect total business output to cruise past the £2bn mark. But the sport's organisers are still likely to face some very awkward financial questions once they finish counting their money, the most difficult of which will be the future of the game in the Pacific Islands.
Siobhan Norton braves bruises and schoolyard flashbacks at a new RFU women's rugby session
France international Bastareaud has revealed the incident from 2009 in his new autobiography
ANALYSIS: Latest disciplinary breach was the final straw
COMMENT: The World Cup winner might find French clubs hard to deal with, writes Chris Hewett
D'Arcy has played 81 times for Ireland and has been included on two British and Irish Lions tours
Up to 40,000 seats could be empty at Twickenham for this weekend's final between the two French sides
David Armstrong, chief executive of Wasps, claimed the bond is the first transaction of its kind for the sports industry
Australian player suffered head injuries during match
O'Driscoll was fulfilling his commitments with HSBC at the Hong Kong Sevens but managed to find the time to let his hair downa nd enjoy the moment
Rugby is not American football: from a very early age, players are instructed not to tackle opponents with their heads
The Wales rugby international turned up to surprise Carl Griffiths with a pair of boots that would fit
A record final day in the Six Nations saw Ireland crowned 2015 champions
COLUMN: George Ford is prone to conceding soft yards and is a potential weak link in England's defence
England will be at an advantage on Saturday –and in the World Cup – as late starts mean they will know size of their task
VIEW FROM THE SOFA: Six Nations Forum BBC Red Button
England head-coach discusses the home of English rugby
It must be so frustrating for Stuart Lancaster. He has set very high expectations for his side but the big players simply aren't going to be there to deliver


text:
It Helps to Have Matt Drudge on Your Side
A snapshot from this afternoon:
That's right: There are seven stories leading the site about a comment made by a CNN analyst who does not work for the Obama campaign, but who is described here as "adviser to Obama." There is a multiplying effect, because the people who write the news read Drudge. It's possible that the Romney-Drudge alliance is well-enough known to lessen the impact. Also possible: That the incredible intelligence-insulting exercise underway here is too intense to actually work.
The Planned Parenthood Hearings Aren't About Those Videos They are group therapy sessions for pro-lifers.
Dyrehavsbakken: The World's Oldest Amusement Park First Opened in 1583 and You Can Still Go There Today
Slate Plus
Introducing the Best of Slate Podcasts Only have time for one podcast this week? Make it this one.
Future Tense
Good News for Kanye West: California Bans Paparazzi Use of Drones to Spy on Celeb Homes


text:
The Way
Watch Movies Online
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Watch Movies Online cannot be any easier than 10StarMovies? You can register an account, create a favorite list, playlist and even manage your friends on the fast growing Watch Movies Online community.
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- Sin City: A Dame to Kill For
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- Kill Buljo: The Movie
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- R.I.P.D. (Rest in Peace Department)
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Watch The Way Online
Release:November 19, 2010
RunTime:2 hr 2 min
IMDB Rating:7.4/10 (13901 votes)
Director:Emilio EstevezActors:Emilio Estevez, Martin Sheen, Deborah Kara Unger, James Nesbitt, Joaquim de Almeida(View All)
Description: Watch The Way full movie online for free directed by Emilio Estevez produced in 2010. Genres are Action, Adventure, Comedy, Crime, Drama.
Fatal error: Allowed memory size of 33554432 bytes exhausted (tried to allocate 13393572 bytes) in /home/star10/public_html/cache-credits/The_Way_2010.php on line 1


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The NYPD rescued four men from a burning apartment building in Astoria on Monday afternoon after pushing in an air conditioning unit to gain access into the building.
Officers from the 114th Precinct received a call at about 2:25 p.m. on Monday and responded to a house fire at 23-44 28th St.
The five officers heard screams on the first floor calling for help and could only gain entry by pushing an air conditioning unit inside of the house, police said.
The officers were met with heavy smoke and removed two men from the house. The remaining two occupants were able to walk out on their own, according to police. The civilians sustained minor injuries and the five officers were treated for smoke inhalation. According to authorities, the apartment building sustained extensive property damage.
The fire is being investigated and is being ruled as suspicious in nature.
According to published reports, one of the rescued residents was in a wheelchair. He reportedly lives in the apartment with his nephew and two other men rented an apartment in the same building.


text: Dr.Nettles is a very important aspect of Ramsay High School IB. Thanks to her, Ramsay is not only an International Baccalaureate school, but a highly accredited National Blue Ribbon School. Dr.Nettles is the only Birmingham City School's principal capable of running this magnet high school effectively, considering the fact that she's accomplished things that Birmingham city schools has required her to do, in less than two years. Ramsay High School is classified as one of the most elite secondary schools in Birmingham. Dr. Nettles challenges the definition of a principal because she goes above and beyond the call of duty as an administrator. Regardless of any internal administration issue, the emotional impact of the students of Ramsay High School is of high magnitude. We urge you all to sign the petition, and encourage your friends and family to do so as well. Thank you.


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The Shiraz for the 2006 The Descendant is sourced from a single vineyard and co-fermented with 8% Viognier. It was aged for 18 months in seasoned French oak. Opaque purple-colored, it emits an expressive, sexy perfume of violets, wood smoke, black pepper, espresso, blueberry, and chocolate. Full-bodied, on the palate, this voluptuous effort has great concentration with a noticeable uplift from the Viognier, tons of spicy black fruits, enough ripe tannin to evolve for a decade, and 60-second finish.Drink Dates: 2016-2036
Professional content appears courtesy of Vinfolio
($105; 92% shiraz and 8% viognier) Inky violet. Powerfully scented, brooding aromas of boysenberry, cherry compote, licorice and smoky minerals; aeration brings up brighter black raspberry and blackberry qualities, which carry onto the palate. Broad and deeply concentrated, presenting a seductive array of sweet dark berry liqueur flavors and a late jolt of tangy minerals. Clings tenaciously to the palate and finishes with lingering blackberry and candied plum flavors. This really deserves some patience.Author: Josh Raynolds
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270 bottles owned by 57 collectors.
Since its founding in 2003, Vinfolio has brought the rarest and highest-quality wines to the collector market. Located in San Francisco and Napa, we are a company of wine experts who understand and value the importance of wine provenance. Our premium supplier relationships and first-in-class technology help us protect your wine from sourcing through shipping with extraordinary care that only we can provide. Don't trust your fine wine with anything less!Learn More


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Medtronic has announced the voluntary recall of the EnVeo R Loading System, a component in the CoreValve Evolut R system for transcatheter aortic valve replacement (TAVR), less than two months after the device received Food and Drug Administration (FDA) approval.
The recall came after Medtronic received eight reports of the presence of particulates in the EnVeo R Loading System. The particulates could "be transferred to the transcatheter aortic valve and released into the patient's vasculature," potentially resulting in clot formation and blockage of the valve, Medscape reports.
In two of the reports, the particulates were noticed in the packaged kits. In the remaining reports, the particulates were seen by someone who was loading the bath. No injuries or adverse events have been reported to date, Medtronic said in its letter notifying customers of the problem. A Medtronic representative said none of the affected loading systems were released commercially in the U.S. and they were being used only in clinical trials. All units have now been removed from the market, Medscape reports.
The Evolut device received FDA approval in June for transaortic valve replacement (TAVR) in patients with severe aortic stenosis — a narrowing of the aortic valve. Traditional open-heart surgery is too risky for these patients. TAVR is a fairly new heart procedure, a minimally invasive technique to repair the aortic valve without removing the old valve, the American Heart Association explains. Particulates in the loading system could be transferred to the patient's blood stream, leading to a blockage that could have serious health consequences, Medtronic said in its letter to customers.
The recalled EnVeo R units are the EnVeo R Loading System, Model No. LS-EnVeoR-23, LS-EnVeoR-2629, LS-EnVeoR-23-C, and LS-EnVeoR-2629-C. The cardiovascular valve delivery system is for use with the Medtronic CoreValve Evolut R system. Medtronic notified health care professionals about 6,912 EnVeo R Loading System units in the field, of which 540 were in the U.S. Only certain lots of the loading system were affected and Medtronic told customers how to contact the company about those. But, the letter said, "Medtronic is not making any special patient management recommendations; patients should continue to be managed in accordance with your standard patient-management protocol." According to a Medtronic representative, the particulate issue has "now been resolved with the introduction of a process improvement in manufacturing," Medscape reports.
This recall has been designated as a Class 1 recall, the FDA's most serious recall category. In a Class 1 recall, there is a "reasonable probability" that use of the product can cause serious health consequences or even death.
Medtronic has instructed customers to remove the recalled EnVeo R units from inventory and to inform any other facilities to whom they may have sent units. The FDA recall notice said customers should complete the customer confirmation certificate and to email firstname.lastname@example.com or fax Medtronic at (651) 367-0612 to the attention of Customer Focused Quality for further instructions.


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We spoke with Jason originally to get information about the market on Capitol Hill - mainly to see what our condo may be worth and if it would sell for enough to help us get the home we wanted. Jason predicted our condo could sell for much more than we expected, which led us to believe we may actually be able to buy more than we expected. We were cautiously optimistic, but Jason was positive we would get his initial estimate. He delivered. We got more than we expected to get, and we bought a home bigger than we were hoping. Jason and John were patient with our questions and concerns. They took calls and responded to emails at all hours of the day, every day of the week. And they were available any time we wanted to see a new home. We were very impressed with the professionalism and honesty - and with the follow ups we got after the purchase. My wife and I would enthusiastically recommend The Jason Martin Group to anyone looking to buy or sell a home.
Jason Martin
23 Recent Sales (last 12 months)
Realtor (12 years experience)
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- Buyer's Agent,
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Team reviews
We met Jason about six years ago, at an open house, and while the journey became longer than we had anticipated and took a different shape overall, he kept in touch with us and won us over. We were excited to finally give him our business. Even when we did begin looking, we were not going to be in a great position to compete financially (we'd heard horror stories about bidding wars on the Hill). We were relying on Jason to steer us well, and then maybe with some luck we'd find a place we could be happy with. Remarkably quickly, a place came available in the right area, in the right price range, that needed just enough work to keep the wolves at bay. On our first look, we weren't thrilled with it. Jason gently encouraged us to have a second look, and on the second pass we came to the conclusion that it was really what we had hoped for all along. We did have to compete for it, but Jason delivered the win, and we didn't blow our budget. Jason was proactive in giving us straight talk about the property and about the process throughout, and we couldn't be any happier with the end result.
Jason and his team were consummate professionals throughout our entire home buying experience, from selling our condo to purchasing a new home. No home purchase is without its challenges, so thankfully we worked with a realtor who knows the business inside and out. Jason really listens to his clients and approaches every step of the process with a positive attitude. My fiance and I couldn't be happier in our new home, and it's all thanks to Jason Martin Group.
I have absolutely nothing but positive things to say about my experience with Jason Martin Group during my first home buying experience.
I was put in touch with Jason when I requested more information about a home from Zillow--he called me very shortly afterwards, we briefly spoke and agreed to meet at his office that evening. We had about a 90 minute conversation about what I was looking for, future plans, as well as answering any questions I had. This was so refreshing, as other realtors I had previously spoken to and/or worked with were constantly pushing certain things on me, and I never felt like they truly wanted to hear what I had to say or what ideas I had.
Jason and I saw probably 25-30 homes during my search--he made himself available and was very willing to work around my schedule; this was very beneficial during a crazy time at work. During the entire process I never felt like I was having somebody else's agenda being pushed on me, and I was always "leading" the search. Jason took in everything that I told him and adjusted our search accordingly--I never felt any frustrations like he did not understand what I was looking for.
Lastly, in a very competitive home buying market, I was extremely confident in Jason's ability to work a deal and fight for me. We were able to openly discuss how we wanted to put in offers, and he gave candid opinions on all of our options. I know that Jason would no anything, short of an unethical action, to give his clients the best chance to get a home.
Jason and his entire team are wonderful people. I have been and will be constantly referring him and his group to anyone.
Working with Jason and Carol was great. We found the house we loved on our first tour with Jason and he was great through the process. He helped us out an offer in that night and stayed in contact with us through the night to ensure the offer was received and accepted. Having Jason and Carol as our realtors was like having a good friend through the process. They answered calls, texts and emails and guided is through to a successful and painless closing. We will definitely recommend The Jason Martin Group to friends!
Jason helped us buy our first home on Capitol Hill. He walked us through the whole process, looked at property at all hours and suffered our chronic tardiness with a smile, and in the end negotiated about the best terms we were probably going to get in a very competitive local market. We're happy to call him our Realtor and a friend.
Mr. Jason Martin is excellent. You can tell he loves what he does.
The reason I am writing is because even though my wife and I did not purchase a home, (personal tragedy) Mr. Martin's dedication and patience with us was absolutely the best we have encountered. Anywhere. And we are a picky bunch. He managed to find us several choices in homes for Alexandria, along the West end, and into the Seminary Road area.
He is prompt, pleasant, and inspires confidence. He knows the market well, and created an offer which we had to back out of due to tragedy.
But, publicly, THANK YOU, Jason. You rock.
Wes and Samantha Jackson
We worked with Jason Martin on the sale of our Condo in DC and the purchase of our new home in Alexandria, VA. We started the process in January and closed on our new home at the end of October. Jason was very hands on with us as we were rather "green" to the process. He coached us on how to best stage our Condo for sale. On the purchase side, he was patient with us as our search criteria changed often and shifted throughout almost all of Northern VA. In purchase negotiations he was agressive yet very supportive of our needs. All in all it was a great experience and we are very happy in our new home. Thank you Jason!
From our first meeting until our property sold, Jason provided exceptional services. He was knowledgeable of the market and provided honest and reasonable advice. He recommended specific improvements, such as additional interior lighting and exterior landscaping that made our home more attractive and marketable; and he suggested contractors who provided timely and reasonable services. His staging service was especially valuable and allowed prospective buyers to appreciate the full potential of the property. His frequent communications and updates and his availability guided us through the process. His positive nature and interpersonal skills were especially beneficial throughout the contracting, due diligence, appraisal and inspection steps. We appreciated his utmost professionalism and would highly recommend Jason to any potential buyer or seller.
Jason was very informed about Capitol Hill and had me look in other areas that might just be a better fit for a home for me. I ended up in Old Town and LOVE my place. As a first time buyer, Jason, always answered my call and went with me countless number of times to visit my future home--- just to make sure it was for me. All around I had a great experience.


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Tampa Bay Lightning v Toronto Maple Leafs
Steven Stamkos of the Tampa Bay Lightning skates next to Carl... News PhotoAir Canada Center,Canada,Carl Gunnarsson,Full Length,Horizontal,Ice Hockey,Match - Sport,National Hockey League,Skating,Sport,Steven Stamkos,Tampa Bay Lightning,Toronto,Toronto Maple LeafsPhotographer Claus AndersenCollection: Getty Images Sport 2013 Claus AndersenTORONTO, CANADA - MARCH 20: Steven Stamkos #91 of the Tampa Bay Lightning skates next to Carl Gunnarsson #36 of the Toronto Maple Leafs in a game on March 20, 2013 at the Air Canada Centre in Toronto, Ontario, Canada. The Leafs defeated the Lightning 4-2. (Photo by Claus Andersen/Getty Images)


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Circumscript, progressing lipoatrophy at the insulin injection sites is an unexplained, however rare condition in diabetes mellitus.
We report a case of severe localised lipoatrophy developing during insulin pump-treatment (continuous subcutaneous insulin infusion) with the insulin analogue lispro (Humalog®) in a woman with type-1 diabetes mellitus. After 11 months of progressing lipoatrophy at two spots on the abdomen, low-dose prednisone (5-10 mg) p.o. was given at breakfast for 8 months, whereby the atrophic lesions centripetally re-filled with subcutaneous fat tissue (confirmed by MRI) despite ongoing use of insulin lispro. However, 4 weeks after cessation of prednisone, lipoatrophy relapsed, but resolved after another 2 months of low-dose prednisone. No further relapse was noted during 12 months of follow-up on insulin-pump therapy with Humalog®.
Consistent with an assumed inflammatory nature of the condition, low-dose oral prednisone appeared to have cured the lipoatrophic reaction in our patient. Our observation suggests a temporary intolerance of the subcutaneous fat tissue to insulin lispro (Humalog®), triggered by an unknown endogenous mechanism.
So-called insulin-induced lipoatrophy is a rare, albeit feared condition mostly in patients with type-1 diabetes mellitus. It leads to a total loss of subcutaneous fat tissue at the sites of insulin injections. Neither the pathogenesis of the condition is known, nor the apparent female preponderance [1-14]. The clinical appearance is notable for its lack of inflammatory features. Histopathological reports were inconsistent: while subcutaneous fat atrophy and fibrosis was common, immunological abnormalities were found only in one of the studies (see Table Table1).1). Insulin-induced lipoatrophy has been reported with the use of various pharmaceutical preparations, long acting or short acting insulin preparations, insulin analogues or human insulin, and with subcutaneous injection or continuous subcutaneous infusion (via insulin pump) treatment alike. Injection site lipoatrophy was also observed with the use of the somatostatin-analogue octreotide [8].
We present the case of a 53 year old caucasian woman (R.P., born 1956), who was diagnosed with type-1 diabetes mellitus at the age of 13 years. Since 1984 she was treated by continuous subcutaneous insulin infusion with a portable insulin pump using human regular insulin, without any adverse effects. Since 2004, insulin lispro (Humalog®, Eli Lilly Deutschland, Bad Homburg, Germany) was used for insulin pump treatment (currently used device: Accu-Check Spirit®, Roche, Burgdorf, Switzerland). There was no co-morbidity except for Hashimoto's thyreoiditis, requiring 100 μg levothyroxine once daily for substitution. There was no evidence for diabetic retinopathy, nephropathy or neuropathy, respectively. HbA1c (normal range 4-6% of total haemoglobin) was around 8%, body mass index was 23.8 kg/m2. In November 2007 and February 2008, vaccinations against hepatitis A and B were carried out with a vaccine containing traces of thiomersal (Twinrix®, GlaxoSmithKline, Dresden, Germany). Commencing in May 2008, a lipoatrophic defect developed at the catheter insertion site on the right side of the abdominal wall, and after changing to the opposite side, a second lesion developed there. The size of both lesions increased steadily. In March 2009 hollows of 6 × 7 cm had developed in the subcutaneous fat tissue (Figure (Figure1).1). Routine blood chemistry was normal. Immunological serum markers (anti-insulin antibodies, as well as antibodies against mitochondria, c-ANCA, p-ANCA, and ANA IgG) were negative. Anti-TPO antibodies, however, were elevated (173 U/ml (normal < 60 U/ml)). In April 2009, a biopsy was obtained from the margin of the lipoatrophic area at the right lateral abdominal wall (Figure (Figure1,1, lower panel). Routine histopathologic examination showed atrophic fat tissue (lipoatrophy); unfortunately, more detailed histochemical investigations were not performed. Assuming a potential adverse effect of Humalog®, the insulin preparation was changed-over to rapid-acting genetically engineered human insulin (Actrapid®, NovoNordisk, Mainz, Germany), without obvious benefit. In consideration of an undefined immunologic pathogenesis, low-dose immunosuppressive treatment with 10 mg prednisone once daily was commenced on June 23, 2009 (with adaptations of the insulin dosage, as appropriate, to maintain HbA1c between 7 and 8%). As an immediate effect, no new lipoatrophic hollows developed at the catheter insertion sites in use. In August 2009, the existing hollows started to re-fill, beginning at the margins (Figure (Figure1,1, ,2).2). In September 2009, the daily prednisone dosage was reduced to 5 mg, and further to 2.5 mg in October 2009. In December 2009, the patient decided to switch back from human insulin (Actrapid®) to insulin lispro (Humalog®), while the lipoatrophic hollows continued to re-fill with subcutaneous fat tissue rather than fibrous scar tissue (confirmed by MRI, see Figure Figure3).3). In March 2010, when the lipoatrophy was almost cured, prednisone was discontinued. The patient was advised to use the previously lipoatrophic areas again for catheter insertion. However, about 4 weeks later, prednisone had to be resumed because lipoatrophy had relapsed. By June 2010, after another 2 months of prednisone therapy, the lipoatrophic areas were cured again (Figure (Figure2)2) and prednisone was tapered off. During the following 12 months on unchanged insulin-pump therapy using insulin lispro, no relapse of the lipoatrophy was noted (Figure (Figure22).
However, 3 months after cessation of prednisone treatment, in both hands cheiroarthropathy developed with thickened flexor digitorum tendons and edema of the tendon sheaths, as evidenced by MRI [15]. Rheumatoid arthritis was ruled out on laboratory and imaging studies. The condition was markedly alleviated by physiotherapy.
Our present observation in an adult patient is the first to show an acutely relapsing circumscript lipoatrophy at the sites of subcutaneous infusion of insulin lispro, which fully resolved by low-dose oral corticosteroid treatment. In a previous patient of ours, whose lipoatrophies seemingly stopped after changing from injections to insulin pump treatment [3], a relapse occurred after 5 years of insulin pump treatment and resolved during oral corticosteroid treatment (given to treat newly diagnosed arteriitis temporalis [E.A. Chantelau, unpublished observation]).
In contrast to adult patients, in whom insulin lipoatrophy rarely resolves spontaneously [2,7,10,11,14], insulin lipoatrophy sometimes resolved spontaneously in children [5,6,12,16]. Hence, treatment of the condition is particularly warranted for adults. Changing the insulin brand, or changing from injections to continuous subcutaneous insulin infusion [3,11] seemed to be equally ineffective. Empirical treatment based on topical corticosteroid injections (injection of dexamethasone into the lipoatrophic lesions) had resulted in return of subcutaneous fat tissue in an adult [17,18] and in a child [9], but not in an infant [12]. Recently, topical disodium cromoglycate ointment was found effective in lipoatrophy of short duration by Lopez et al., who also reported that a long-standing chronic lipoatrophy was unresponsive to either topical disodium cromoglycate ointment or corticosteroid injections [10].
The present case report adds to the evidence, that a subclinical, subacute inflammatory reaction may be involved in the pathogenesis of insulin-induced lipoatrophy, since the destructive process may be suppressed and even reversed by administration of anti-inflammatory compounds (e.g. corticosteroids, disodium cromoglycate ointment). This process is different from the local inflammatory reaction that regularly occurs in the subcutaneous fat tissue after injection of insulin, insulin analogues or other compounds [1,10,19,20]. However, the underlying mechanisms of injection-induced subcutaneous lipoatrophy remain to be determined. A personal susceptibility might be involved, as has been suggested by Atmaca et al. [8], which might be transitory, as our case seems to indicate. The trigger of such a transitory intolerance remains unknown, as well as the female preponderance of the condition.
In conclusion, the case of our patient supports the use of prolonged low-dose corticosteroid treatment to cure progressive insulin-induced lipoatrophy. A careful adaptation of the insulin dose is mandatory in order to avoid corticosteroid-induced hyperglycaemia.
Written informed consent was obtained from the patient for publication of this case report and accompanying images. A copy of the written consent is available for review by the Editor-in-Chief of this journal.
The authors declare that they have no competing interests.
EC conceived the idea, compiled the data and drafted the paper. RP and JP contributed patient data and the photographs. LWP provided the MR imaging analysis and participated in writing the paper. All authors read and approved the final manuscript.
PubMed Central Canada is a service of the Canadian Institutes of Health Research (CIHR) working in partnership with the National Research Council's Canada Institute for Scientific and Technical Information in cooperation with the National Center for Biotechnology Information at the U.S. National Library of Medicine(NCBI/NLM). It includes content provided to the PubMed Central International archive by participating publishers.


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Cinderella Christmas
There's lots of magic to delight the kids who are invited to boo the ugly stepsisters and a live miniature horse to pull Cinderella's pumpkin coach. There are jokes, some raunchy, to amuse the grown-ups about the Kardashians and their ilk. The sex-crazed stepsisters, played in grotesque drag by Jeff Sumner and Mark Edgar Stephens, are named "Cowel" and "Seecrest." The songs range from current pop to "Over the Rainbow" and "Old MacDonald Had a Farm." Veronica Dunne is an appealing Cinderella, and Nico Evers-Swindell is dashing as the handsome, vain Prince Charming.
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If your kids use Facebook, are they bound by the online terms?
This question was recently reviewed in a US decision in which certain minor children, resident in Illinois, were users of facebook.com. They alleged that Facebook's practice of misappropriating their names and likenesses for "commercial endorsements" without their consent was a violation of their privacy rights. Facebook resisted by invoking the "forum-selection" clause in its Terms of Service (TOS). That clause effectively punts all disputes into California, Facebook's home turf. The Illinois court had to decide whether the case could proceed in Illinois, or whether the forum-selection clause dictated that the case must proceed in California.
In E.K.D. v. Facebook, Inc., 3:12-cv-01216-JCS (S.D. Ill. March 8, 2012), the Court concluded that the minors could not avoid the forum-selection clause in Facebook's TOS. A mandatory forum-selection clause is, under US law, valid on its face, and should be enforced "unless enforcement is shown by the resisting party to be 'unreasonable' under the circumstances." Canadian law is similar. However, the courts look at a number of factors in determining what they consider "reasonable", and online vendors or licensors must take care if they want to ensure the clause will be upheld.
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How To Become So Creative That People Assume You're Either Related To Einstein Or Completely Insane
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Creativity is the residue of ridiculousness. Don't just HAVE crazy ideas. Give yourself permission to follow them around and see where they lead you. Think about it: Every creative business idea begins with a question. A question that grabs attention. A question that might sound ridiculous at the time. A question that propels a wrecking ball of through the walls of ordinary thinking. But still, a question that makes every person in the room stop what he's doing, sit back in his chair, stare off into space and say, "Huh. Now that's an interesting idea..." Remember: Revolutionary ideas come from ridiculous questions.


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Book your room at Hotel Rapa Nui
Get an overview of this hotelFamily-friendly hotel with free breakfast and bar/lounge
This family-friendly Hanga Roa hotel is located near the airport, within a 10-minute walk of Mercado Artesanal Municipal and Pea Beach. Museo Antropologico Sebastian Englert and Ahu Tahai are also within 1 mi (2 km).
Hotel Features
Along with a bar/lounge, this hotel has a coffee shop/café and coffee/tea in the lobby. Free continental breakfast and free self parking are also provided. Additionally, a business center, a meeting room, and dry cleaning are onsite.
Room Amenities
All 23 individually decorated rooms feature pillowtop beds and private yards. Other amenities available to guests include balconies, room service, and rainfall showerheads.Information missing or incorrect? Tell us!
Hotel Amenities
Hotel Amenities
The hotel offers a coffee shop/café. A bar/lounge is on site where guests can unwind with a drink. A complimentary breakfast is offered each morning.
This 3-star property offers access to a business center and a meeting room. This family-friendly hotel also offers a terrace, tour/ticket assistance, and multilingual staff. For a surcharge, the property provides a roundtrip airport shuttle (available on request) and an area shuttle. Complimentary self parking is available on site.
Hotel Rapa Nui has designated areas for smoking.
- Airport transportation (surcharge)
- Area shuttle (surcharge)
- Bar/lounge
- Beach towels
- Business center
- Coffee shop or café
- Coffee/tea in lobby
- Designated smoking areas
- Designated smoking areas (fines apply)
- Dry cleaning/laundry service
- Express check-in
- Express check-out
- Free breakfast
- Free self parking
- Front desk (limited hours)
- Garden
- Luggage storage
- Multilingual staff
- Number of buildings/towers - 1
- Number of floors - 1
- One meeting room
- Television in lobby
- Terrace
- Total number of rooms - 23
- Tours/ticket assistance
- Year Built 1998
Free self parking
Room Amenities
- Access via exterior corridors
- Balcony
- Bathtub or shower
- Ceiling fan
- Free toiletries
- Cribs/infant beds (surcharge)
- Daily housekeeping
- Desk
- Hair dryer
- In-room safe (laptop compatible)
- Individually decorated
- Iron/ironing board (on request)
- Phone
- Pillowtop mattress
- Private bathroom
- Rainfall showerhead
- Refrigerator (on request)
- Rollaway/extra beds available
- Room service (limited hours)
- Yard
Where to Eat
A complimentary continental breakfast is served each morning between 8 AM and 10:30 AM.
Room service (during limited hours) is available.
Nearby Things to Do
The recreational activities listed below are available either on site or nearby; fees may apply.
- Hiking/biking trails nearby
- Sailing nearby
- Scuba diving nearby
- Snorkeling nearby
- Surfing/boogie boarding nearby
- Ecotours nearby
- Mountain biking nearby
- Bicycle rentals on site
- Horse riding/rental on site
- Scooter/moped rentals on site
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible parking
- Accessible bathroom
- Accessible path of travel
- In-room accessibility
Hotel Policies
Check-in time starts at noon
Check-in time ends at 10 PM
Check-out time is 10 AM
Payment types
Children and extra beds
- Children are welcome.
- Kids stay free! Children under 3 years old stay free when using existing bedding. Children may not be eligible for complimentary breakfast.
- Rollaway/extra beds are available for CLP 33.000 per night.
- Cribs (infant beds) are available for CLP 15.000 per night.
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
Pets allowed (no fees)
No rollaway/extra beds available
No elevators
- Resort fee
Optional extras
- Airport shuttle fee: CLP 10.000 per person (roundtrip)
- Late check-out fee: CLP 25.000
- Air conditioning fee: CLP 7.5000 per day
- A television is available for an additional fee
- Crib (infant bed) fee: CLP 15.000 per night
- Rollaway bed fee: CLP 33.000 per night
We should mention
This property's policy is to refuse certain bookings for the purpose of group events or parties, including pre-wedding stag/bachelor and hen/bachelorette parties. This property offers transfers from the airport (surcharges may apply). Guests must contact the property with arrival details 72 hours prior to arrival, using the contact information on the booking confirmation. A resort fee is included in the total price displayed. Children 3 years old and younger stay free when occupying the parent or guardian's room, using existing bedding. Children may not be eligible for complimentary breakfast. Only registered guests are allowed in the guestrooms.


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- Men Who Pray MinistryLead Minister, present
- Lewis Family of Companies,CEO, present
- Men Who Pray Ministry (current)
Bio for Minister Dwight E Lewis
Minister Dwight E. Lewis Sr. is married to the beautiful Elder Tina Harris-Lewis, the father of 10 adult children and 25 grandchildren. He was born and raised in Dayton, Ohio and attended school at Belmont High School. He is a veteran of the U.S. Army. Minister Lewis received a prophecy over his life to preach at a young age but ran from that call until he surrendered to the Lord in 1999. He has since been involved heavily in mentoring to young and adult men, he has done Ex-Offender/Restorative Justice Ministry, he is a gifted Teacher and does a daily radio show called "Take a Walk Through the Word", where he enjoys exploring and teaching on Truth's in the Word of God. At present he also is Pastors Assistant at Church On the Move Empowerment Center in Decatur, Georgia, he has also founded Men Who Pray Ministry a prayer ministry geared toward teaching and empowering men to be servant/leaders and intercessors in their homes, churches, and communities, is also active in the development of street ministry techniques. He is Editor in Chief of RELAX In Him Magazine. He is available as a Conference Speaker, Preacher, Motivational Speaker, and Teacher.
Dwight Lewis Sr.@FaceBook.com
- Gwinnett technical collegeCulinary Arts, presentCertified Chefs Training
- Belmont High School Dayton, Ohio1979


text:
Intact Financial
|This article reads like a news release, or is otherwise written in a promotional tone. (March 2015)
|This article contains content that is written like an advertisement. (March 2015)
|Traded as
|Toronto, Canada
Key people
|Claude Dussault,CHAIR
Charles Brindamour,PRES
Jean-Francois Blais,PRES Ins.
Mark A.Tullis,CFO
Louis Gagnon,PRES,COO
Marc Pontbriand,PRES(DTCD)
Francoise Guenette,
Sr.VP-Corp/Legal Serv.
Claude Desilets,CRO
Marc Provost,Sr.VP-Inv Mgmt
Lucie Martel,Sr.VP-HR
|property, liability insurance
auto insurance, brokerage
|C$7.437 bil (2013)4%[1]
|C$675.0 mil (2013)47%[1]
|C$ 431.0 mil (2013)24%[1]
|Total assets
|C$19.774 bil (Dec13)[1]
|Total equity
|C$4.954 bil (Dec13)
Number of employees
Intact Financial Corporation is a Canadian insurance company; formerly the ING Group subsidiary ING Canada. It is Canada's leading provider of property and casualty insurance (home, auto and business, 17% of the Canadian market).[2] It also serves the private, public and commercial (trucks, snowmobiles) vehicle market, covers theft and vandalism, and provides other forms of business insurance.
Distribution is conducted through Intact Insurance, belairdirect, Grey Power and BrokerLink, each specializing in a different type of insurance-related service and product. The company operates under different subsidiaries; they include Trafalgar Insurance Company of Canada, Equisure Financial Network Inc. and Novex Insurance Company. Intact is considering using the $1 billion in excess capital it has (November 2010) towards expanding its presence in Canada through acquisitions (mid-2011 it acquired AXA Insurance's Canadian operations for $2.6 billion).[3][4] Intact's investment portfolio with roughly $8.7 billion in invested assets, is managed internally by Intact Investment Management Inc.
The company has ranked well in a number of customer satisfaction surveys;[5] In 2010 home and auto insurance subsidiary Grey Power, now GP Car and Home ranked first in the annual JD Power and Associates customer satisfaction study which measured customer satisfaction among private auto insurance companies. It was also the only company in the study to receive five out of five power circles in each category.[6] Though most business comes from Ontario, Quebec, Alberta and Nova Scotia, Intact is present in all Canadian provinces and territories except Saskatchewan.[7] The company also provides insurance brokerage services through its BrokerLink division.
Direct premiums written grew each year between 2005 and 2013 (the amount of money customers paid for policies written during the year). They totaled $7.305 billion in 2013 which is 6.6% higher than in 2012 ($6.868 billion). Change in direct premiums by year: 2013 6.6%, 2012 35%, 2011 13%. 2012 was a big year for acquisitions: only 2-5% of the growth in premiums in the final quarter (+34%) was from organic growth; the rest was attributable to the acquisitions of Jevco and AXA Canada; AXA Canada was responsible for 49% of the premium growth in the last quarter of 2012.[8] Growth in underwriting profit in 2012 was impacted by results from the personal property insurance business ($94 million in 2012 up from a loss of $40 million) and increase in the company's personal property claims ratio from 103.5% to 93.5% (the claims ratio is claims payable as a percentage of income) and auto (86.5% to 81.5%). In 2011 net income fell 7% on the year to $465 million due to AXA Canada integration costs in the amount of $42 million. Integration synergies with AXA Canada will increase to about $100 million by 2013.[9][10] Fixed income securities dominate investment assets (74% at the end of 2012 up from 61.1% end of 2010, net of hedging).
Started out as the Halifax Fire Insurance Association in 1809. In the 1950s, Dutch insurer Nationale-Nederlander (NN) established itself in Canada by acquiring the Halifax Insurance Company; Dutch immigration to Canada attracted Nationale-Nederlander to the country. Nationale-Nederlander made its first major move in the 1970s when it took over Quebec insurers Commerce Group and Belair which was then followed by Western Union of Alberta. In 1993 Nationale-Nederlander's Canadian businesses were consolidated and renamed ING Canada. In 2004 it completed the takeover of Allianz Canada and went public on the Toronto Stock Exchange (70% of shares were owned by ING Group). On February 23, 2009 the company became independent of ING Group and immediately became known as Intact Insurance Company. Three months later, on May 13, 2009 shareholders approved a name change to Intact Financial Corporation (IFC).[11] ING Group sold all of its 70% share of the company to institutional investors for $2.2 billion.
In May 2011 Intact Financial purchased AXA Canada for $2.6 billion. The deal, paid for in part by a loan facility, raises the fraction of business coming from property and casualty insurance (largest in Canada). Although the addition of AXA Canada improves business stability (less reliant on Ontario's auto insurance market) Moody's plans to lower its credit rating one notch down from Aa3 because of "less financial flexibility".[4] To help repay the loan it received to finance the AXA acquisition, in January 2012 it sold AXA Canada's life insurance division to Quebec City based SSQ Financial Group for $300 million.[12]
On September 5, 2012 Intact Financial completed the $530 million takeover of Jevco, a property and casualty insurance company with annual direct premiums of $350 million. Jevco was formerly a part of Westaim Corp (2010-2012) and Kingsway Financial Corp (2010).[13]
Business and business segments[edit]
In 2012 45% of direct premiums were related to personal auto insurance, about twice as much as personal property (23%) and commercial P&C (24%).[8] In 2009, 49.7% of direct premiums were related to personal auto insurance, more than twice as much as the second most important source, personal property (23.8%). Commercial property and casualty was 19.0% while commercial auto was 7.5%.[7]
Intact's multi-channel distribution operates under four distinct brands:
- Intact Insurance
Canada's largest home, auto and business insurance company distributes through a network of more than 1,800 insurance brokers from coast-to-coast.[14]
- BrokerLink
With over 50 offices and more than 700 employees across Ontario and Alberta, BrokerLink is one of the largest P&C insurance brokerages in Canada. It writes approximately $500 million in premiums for more than 200,000 customers.
- belairdirect
Operates in Ontario and Quebec. Belairdirect benefits from having a high brand awareness in direct-to-consumer P&C insurance. Leveraging the internet helps it to grow at a rate of about 10% a year.
- Grey Power
Provides car and home insurance to people with 25+ years of driving experience, Grey Power distributes directly to consumers in Alberta, Ontario and the Maritimes provinces through call centres and the Internet. It re-branded as GP Car and Home in April 2011 and re-branded as Grey Power in 2012.
Charles Brindamour is the Chief Executive Officer.
Corporate Social Responsibility[edit]
The Intact Foundation supports environment initiatives, community efforts and encourages employee involvement. Since 2004, over $14 million has been donated to charities and organizations in Canada.
- ^ a b c d "Intact Financial 2013 Financial Report" (PDF). February 4, 2014.
- ^ "Newly independent ING Canada rebranding as Intact Insurance". 2009-02-23.
- ^ French, Cameron (2010-11-16). "Intact Financial has deep pockets, seeking M&A". Reuters.
- ^ a b Perkins, Tara (2011-06-09). "RBC gives thumbs up to Intact's deal for AXA Canada". The Globe and Mail (Toronto).
- ^ "Auto Insurance Survey". 2012-09-25.
- ^ "Despite Widespread Premium Increases, Customer Satisfaction with Auto Insurance Providers in Canada Improves from 2009" (PDF). 2010-08-26.
- ^ a b "Intact Financial 2009 Annual Report" (PDF). 2010.
- ^ a b "Intact Financial 2012 Annual Report" (PDF). 2013.
- ^ "Intact Financial Corporation Reports Fourth Quarter and Year-End Results". February 8, 2012.
- ^ "Intact Financial Corporation 2010 Third Quarter Results". 2010-11-03.
- ^ "ING Canada becomes Intact Financial Corporation". 2009-05-13.
- ^ "Intact Financial Corporation Completes the Sale of AXA Life Insurance". January 4, 2012.
- ^ ["http://business.financialpost.com/2012/05/03/intacts-jevco-buy-boosts-property-and-casualty-presence/" "Intact's Jevco buy boosts property and casualty presence"] Check
|url=scheme (help). 2012-05-03.
- ^ "Intact Financial to swallow AXA Canada". 2011-05-31.


text:
Ann has a talent for dreaming up simple and flavorful recipes. Her tastes are wide-ranging and she enjoys fine dining as much as discovering and experiencing the best fast food. Over her years of working as a recipe developer and food editor, she has compiled an impressive library of recipes that she continually mines for ideas and inspiration.
Get to know the members of the Land O'Lakes Co-op with a seasonal look at family life on the dairy farm.
View our story
Create easy pot stickers better than what is served at your favorite Asian restaurant!
Combine ground pork, coleslaw and 1/3 cup green onions in bowl; mix well.
Melt 2 tablespoons butter in 12-inch nonstick skillet over medium heat; add pork mixture. Cook, stirring often, 3-4 minutes or until pork is no longer pink. Set aside.
Combine all teriyaki sauce ingredients in 1 1/2-quart saucepan; cook over medium heat 2-3 minutes or until liquid is reduced to thick sauce. Remove half of sauce to bowl; set aside. Continue cooking remaining sauce in saucepan 2-3 minutes or until reduced to thick paste. Add thickened paste to pork mixture; mix well.
Place 1 rounded teaspoon pork mixture into center of wrap. Moisten edge of pot sticker wrap with finger dipped in water. Fold wrap over filling; seal edges. Moisten outer edges of pot sticker and pleat sealed edges with fingertip dipped in water. Place onto baking pan; cover with damp paper towel. Repeat with remaining pork mixture and wraps.
Melt 1 tablespoon butter in same skillet over medium heat. Place pot stickers, pleated-side pointing up, into pan. Cook 1-2 minutes or until bubbles form around edges of pot stickers; add water. Cover; cook 4-5 minutes or until water has almost evaporated. Drizzle with reserved teriyaki sauce; top with sliced green onions, if desired.
Calories: 60
Fat: 2.5g
Cholesterol: 10mg
Sodium: 190mg
Carbohydrates: 6g
Dietary Fiber: 0g
Protein: 2g
Oh it tasted excellent! It's just the wrappers were clumsier than I'd expected. But we made a double batch and the remainder of the mixture we ate over fried rice, yummy!
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Once the temperature drops a few degrees, I'm in full-on fall foods mode. Pumpkin bars, apple crisp, cranberry bread…you name it, I'm making it. However, most of it revolves around sweets. Why doesn't dinner get a fair chance?
Once the temperature drops a few degrees, I'm in full-on fall foods mode. Pumpkin bars, apple crisp, cranberry bread…you name it, I'm making it. However, most of it revolves around sweets. Why doesn't dinner get a fair chance? More ...
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