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CW: You're the founder and chief editor of Celestial News Online (CNO). Now, when we talk about media outlets that have significantly increased CCC's exposure online, CNO has paved the way.
How did it begin? What led to the establishment of CNO?
MA: My passion for writing started at a very tender age. [Though], I was a late starter. I think I started reading at 12 years old – I couldn't even spell my name. And, the first book I ever read in my life was the Bible in Celestial Church of Christ. My dad enrolled me in evening lessons; they got me teachers but I could not read and I could not understand UNTILI started going for evening worship. I was in one of the services and I just opened the bible and started [reading and] saying "I-sai-ah,""Mo-se-s." I started reading out things [to my astonishment] and I showed the person beside me and asked "please, what is this? Is this Moses?"and the person said "ehn, that's Moses now"and I was like no it can't be. And I saw "Je-ri-mi-ah". I said "sorry, is this Jeremiah?"and he said,"yes, that's Jeremiah". I then knew how to read from there. It was amazing.
God wanted to prepare me for a journey, so he made that happen miraculously in Celestial Church of Christ. So, that ability to read and write in Cele – and not in the school I was in then – I think there's a reason behind that.
Before now, I've been a journalist. I started with Fame Magazine as an advert's person – like an errand boy. I was sent to the newsroom, graphics room and sub-editors' room. I was always looking at what they were doing [in those various areas] and it developed my interest in journalism. I also went to journalism school and I started writing. Then gradually, I transitioned from mainstream to online journalism.
I happen to be the first online editor in Nigeria. In 2002, I started with a guy, Henry Black, who was based in Amsterdam. When he approached me, he said he had been reading my column and he wanted me to write blogs. Back then, we weren't exposed to things like that in Nigeria. I didn't even have a phone at the time, but the man bought me a small camera and a mini laptop. In fact, my publisher [at Fame Magazine] didn't even have a laptop. So, when the man gave me these items, I started moving around and I became a roving journalist – taking pictures and writing stories, so I became a hot cake. I was posting news online through that man.
He said we should become partners; there's no money now, but when money comes, we'll enjoy ourselves. I said okay no problem. The fact that he even gave me a camera and a laptop was enough for me! I didn't even want any other thing.
Linda Ikeji came five years after I started. She took over the industry and became a household name.
Me, I was very controversial [at the time]. I was writing nasty things about people; I wouldn't write something good. If I went to an event, I wouldn't look at how good the event was. I would look at those who got drunk, acted funny, or how the bride's clothes got torn – you know, things like that are what I was looking out for. And this [approach to journalism] happened because that's how I was trained. I was trained by "crack reporters"– these are people that would go to all lengths to get a report. And you know, you follow the example of those who teach you. That is what led to me being a bit controversial as a reporter. People would always call me and say all sorts, but I didn't really care.
I and the guy [Henry Black] had issues so we separated and I [eventually] started my own thing. The issues started when I was having problems with some artists. They lied against me and said I was asking for money to write a story, but because I didn't get the money that's why I went and wrote [something bad] – there's nothing truthful about that and they [the accusers] could not tender any evidence. But I got arrested and spent almost two weeks in custody. It was at this point, somebody started appearing to me [while in a trance] to talk to me, teaching me things – the bible and all that. So, when I woke up [came out of the trance], I started prophesying to people in the cell. I would tell someone "tomorrow you are leaving here, somebody's coming to pick you"and it would happen.
To cut a long story short, I stopped working with Henry Black because when I was incarcerated, he was supposed to have my back, but he wasn't there at all. He created the platform, we were partners but he didn't want his name being mentioned, so I left.
I went to Ghana for a friend's event, she wanted to premiere her movie so she wanted me to be the reporter for Nigeria to cover her event. I met a lady where I was staying, and she asked me what I did for a living and I said I was a journalist. At this time, I was writing for Global Excellence magazine, so I told her that's where I worked. She asked if I was the owner and I said no. She then asked how old I was and then I told her. After this, she said "at your age, you don't have your own thing that you do? It's a pity… Is it when you become 40 that you'll start doing your own thing?" I was wondering, what's the problem with this lady? I never knew it was an angel that was speaking through her.
I started thinking, this isn't ordinary. Something must have spoken through this girl. Then, I called my godmother who had a website for her business. I asked for the number of the person who did her website. I called him and he told me it would cost N220,000 for a news site. All I had in my account was maybe N70,000. He eventually settled for N180,000, so I transferred everything I had in my account for him to get started immediately.
That is how I started Mike Angelo News and business was booming because I started my own thing. But then [after some time] things started going differently. I would write a story myself and get 300 readers, then maybe someone like Linda Ikeji would pick the story and would get like 3,000 comments – whereas I would not get more than three comments. I was now asking what's happening.
Then, I met a marketing publisher – Akin Adeoya – at one event. I told him I was thinking of starting a magazine for my church. Let me also tell you that, I happen to be the first person to start an all colour, all gloss magazine in Celestial Church of Christ.
CW: Was this even before Celestial Ovation then?
MA: Of course – Celestial Ovation started three years later. 'The Celestial Magazine' – it's on my Facebook page, you'll see it there. It was an all coloured, all gloss, 58-page magazine. Even ask [the founder of] Celestial Ovation himself.
I even started that before I started Mike Angelo News. But I got frustrated because I was spending close to N500,000 to publish and I was getting nothing in return. I decided not to continue and started www.mikeangelonews.com, which is still functioning today.
But coming back to my conversation with Akin [and how CNO really began], at that time I was frustrated with what was happening. I would write my story and get three comments, but the same story from Linda would get 3,000. I explained that I need to do an online magazine for my church. He said this would be very good for me and it would mean that I would be operating from the 'Blue Ocean'. He then explained the illustration of the Red Ocean and the Blue Ocean.
He said the business I'm in is the 'Red Ocean' and it's filled with sharks [very popular and highly competitive journalists] like Linda Ikeji and co. There's always blood in that ocean so it's difficult for the upcoming journalists to make it. But he explained that if I want to move into an online magazine for our church, I would be the dolphin ruling in the 'Blue Ocean'. I thought this would be very good.
I thought of a name. In the days of Rev. A. A. Bada they did 'Celestial News'. It was a newsletter where they put his movements and information from the Members of Pastor-In-Council (MPIC). So, I added 'Online' at the end of the 'Celestial News' so they won't get me on copyright issues.
That is how I started www.celestialnewsonline.com.
CW: How do you think CCC is currently portrayed in the media, and how do you think CNO contributes towards this overall image?
MA: The way we are perceived in the media – or in society on whole – is nothing to write home about. It's not something new. During the days of Papa Oshoffa, they called him all sorts of names – they said he was doing voodoo, magic and all sorts. Jesus Christ, Himself went through the same thing, so it is expected. If you are doing something people do not understand they will think you are doing something ungodly.
People call us [Celestials] all sorts of things, but they will still be the ones to call us in the middle of the night to say they want us to do spiritual work for them. They don't want to be associated with the church because of [incorrect] labeling.
Now, CNO's contribution; if the church is being lampooned for doing good and CNO is trying to tell everyone with what we put out there that we're not herbalists and people being affected negatively are saying rubbish about us, we're happy about it because we're fulfilling our purpose as part of the overall goal – CCC being the last boat of salvation to cleanse the world.
CW: How do CNO's objectives fit into the mission of CCC?
MA: The mission of the church is that it's the last boat of salvation. There are similarities from the days of Noah when he built the ark.
Knowledge which I've been exposed to showed that people went into Noah's ark to desecrate it – they would urinate and drop faeces inside the ark. Then God inflicted them with boils and all manner of diseases. Then, one of them went to the ark again to pass his faeces. But this time he fell into the ark and he became whole – totally clean and as fresh as a newborn baby.
The Bible we read is originally made from various scrolls, but many things were removed from it. The knowledge will expose us to a lot of things – go online and read. Many things should be in the Bible that they removed. Because of my passion for the knowledge I've read some of the other books.
So, [back to Noah's ark], people now asked the man how and where he found healing. He said it was inside the ark and everybody went back to the same ark they messed up and they were rubbing themselves in it and also became whole – that is how the ark became clean again. I see the same thing happening in CCC. Those who are standing against the mission of the church, making people call us all sorts of names will still lick the dust. But the vision is for an appointed time.
CW: You seem to have come a long way from your early days. But how would you describe your style of journalism now?
MA: Journalism is a profession of writing. When you're in the business and you put the ethics of the profession first, I think you're a good journalist. We [CNO] may not score 100% accuracy in our reports but out of the nine principles of journalism, we try to apply the four major principles in what we do – accuracy, fairness, being thorough and integrity.
We once published something about a man in his evangelist garment who wore the rope for his Ogboni [a secret society/occultic group] attire on top of his garment. He displayed this picture of himself on his own Facebook page which has more than 5,000 followers – and you're saying we should not report that? On his Facebook there will be [members of] Redeem, Catholic, Pentecostal on his friend's list and they will see what he is wearing. What is the man portraying? That Celestial is a church of Ogboni. As a journalist, I had to write about it to condemn such act and explain that Celestial is not a church of Ogboni and that this man is not one of us. A lot of people called me to lampoon me – people, that were eating under him. They called me names to say I was being biased and not being fair in my report. I think they're the ones that need attention.
CW: On that note sir, you have a lot of supporters, but you also have some critics who make their feelings about you known publicly – sometimes, on your very own blog site (CNO). Some individuals think you're quite a controversial figure. Why do you think that is?
MA: It's their personal opinion. When there's no light, everybody will be in the dark but when the light comes all eyes will be opened to see. That light will give you knowledge.
The essence of CNO is to be a light to the church. Some have portrayed CCC in such a way that you should not speak because of the elders – No! Everybody is anointed, I do not see them as being extraordinary.
Let me tell you one thing. A few months after I started CNO, I just finished reading my bible and I placed my head on my bible and I slept off. God showed me a vision; I saw the image of David when he was killing Goliath. The angel told me "that is you."In that my dream, the angel opened a book before me and I saw 'ISAIAH 555.' Triple 5, there was no colon to separate to show if its Isaiah 5:55 or Isaiah 55:5. Before God that I serve in CCC, when I woke up from the dream, I wanted to go to that book to read, Isaiah 55:5 was opened before me.
I have had a series of court cases, but I have never attended one courtroom. God has settled it all. The people fighting me should know they're not fighting me, it's God they're fighting.
Another vision I saw; Papa Oshoffa was singing at Imeko. He had a brown hat on. Everybody was kneeling down and bowing their head, but I wasn't bowing, I was looking at him and he was coming towards me. He was in his leader sutana and loin. I was thinking "ah this man is coming to me; I hope he's not coming to rebuke me!"He just took off his hat and placed it on my head.
What I'm doing with CNO is a calling from God. It's the light that will open the eyes of everybody. I never got support from anywhere. A lot of people I called for support said no, that I'm too controversial. I do this, I do that – and I laugh.
If people say I'm controversial, I think what they're saying about me is subjective and not objective.
There was a story I wanted to put up, and somebody was telling me to cover the image of the church. Why would you do that when Jesus Christ Himself went inside the tabernacle to beat people out? If there were new media back then, this thing would be trending online! I'm posting about the abnormalities of a shepherd and you're telling me I'm spoiling the name of the church? They should stop doing what is causing people to see and post – let us start from there.
CW: It is said that in the days of Baba Bada there was a sort of press council that managed the church's public image and it oversaw all the publications.
Do you feel regulatory measures should return to the church for better management of information, or do you feel it's more progressive for the church if everything remains decentralized – so that anybody who desires can start a media platform [without checks and balances]?
MA: Our church is the only church that I've seen… Some churches have just one branch, but if you see what their media department looks like, you will marvel. It's only Celestial Church of Christ that I have seen in my entire life that has a very shaky, incompetent and unrecognizable media department. Even the [CCC Worldwide] website is nothing to write home about. And that is the platform that is supposed to be where information about the church is disseminated from.
When you have people that are not competent to handle your media department, what do you expect? I am not talking about myself – I am not even competent; I'm not interested in anything. But let's do the right thing the right way. You cannot continue to do something the same way and expect different results.
The world is moving, we should move with the trend.
I do not have a university degree; I only went to Journalism School and Bible College. Let them come out and let's talk on new media- a term for digital media- [ideas for the progress of the church].
CW: Finally, sir, where do you see CNO in the next 5-10 years? What are your plans for CCC in relation to the media for the future generation?
You've just spoken about how the church's current media set up is shaky. So, what are your plans to tackle this?
MA: First of all, we need to change the mentality of our people.
The last time we went to Imeko, I went to Pastor EMF Oshoffa's house. I said [to those with me] "This is a beautiful mansion for Baba o! Is it [also] for Pastor's to come, or is it strictly for Baba EMF Oshoffa?"
They said "No o! It's Pastor EMF Oshoffa's house. He built it with his money."
I said "Good! What is this building for?"
They said, "It is the administration department of the church."
I said "Oh, for crying out loud! Why would you put an administrative block of the church in a personal house? Why?!"
Is that not insanity? Is he going to remain Pastor for life?! Okay, if I become the Pastor of the church tomorrow, what will I be going to his house to do for crying out loud? Because I would like to have access to the administrative section of my church. Why would I go into his house before seeing the admin people – please, tell me!
So, we need to change our mentality first – that somebody thinks I'm in charge – No! it is a community thing. You need to discuss and talk about it; you cannot build an administrative quarter of a church in a personal house because he's the pastor in charge. Let them start from that first. If they can remove that admin section first, then we can now start thinking of how to make things happen.
I'm not going to talk about the vision I have for CNO in 5-10 years. Right now, I'm helpless. I don't have money, I don't have support, I'm controversial.
I've got people calling from America, London, Mexico. Some people called me saying there's no church somewhere in Italy. There are about 25 people in total that gathered themselves but there's nobody to lead them. So, they said I should come and lead them. I said I don't even have an international passport. Do I have to take a train to Italy? You see, these are things I push to the authorities to look into – for them to see and know what they should do. That particular area in Italy, they said there's no church where they are. Maybe near Monaco or something. So, what they do is gather together and watch services online on a screen and go.
If it was a church that knows what church planting is all about, as soon as I publish a story about this online, they would have sent someone to that place. But our church is not to plant but to take from what others are planting, even if you're the one using your own money. Just give them their share. They don't care about the welfare of the shepherds, they don't care about the seed of the shepherd – just to collect their share, and that's what the church knows how to do best. We can never move forward with that. Let's change from all that, let's even leave media. When you do the right thing and put the right things in the right places, things will fall into place.
Let them start from the top, the admin quarters to be separated. These other things should be done right. There should be welfare monitoring and also policing in the church to carry out investigations.
They should really embrace this new media and look at what we report and ask questions so changes can be made. But they see what we do as creating enmity – No! It is to open their eyes, are they blind?!
Look, I'm not an angel I'm an ordinary person. If I have been wrong you can always call me. Of course, we can make mistakes but where we are making mistakes, they should always call us [to make corrections].
Anywhere I go, I am always controversial, but I always fight for what is right…
CW: Thank you, sir, for the time you've spent talking to us. God bless you.
MA: You're welcome. Please keep up the good work.


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Combine modern day Chile and discover the fascinating past of Easter Island's Rapu Nui people. Visit Chile's capital – Santiago and soak up the cosmopolitan vibe of this European influenced Latin city. Explore Chile's wineries with a visit to the Casa Blanca Valley, and taste why Chilean wine is world-famous. Fly to one of the world's most remote inhabited islands – Easter Island, and have your photo taken alongside some of the 887 Moai. Learn about the early inhabitants of the island, the legendary first settler Hotu Matu'a and the legend of the Birdman. Enjoy our exciting 7-days luxury Chile Vacation package and discover the rich history that makes Chile so fascinating.
Adventure to one of the world's most remote inhabited islands, and connect your soul with the mystical past of the Rapu Nui people…
- Day 01 – Arrive into Santiago de Chile
- Day 02 – Morning Panoramic Tour of Santiago de Chile
- Day 03 – Wines of the Casa Blanca Valley
- Day 04 – Fly to Easter Island, Free Afternoon
- Day 05 – Excursion: Arrival of Hotu Matu'a
- Day 06 – Excursion: Power of the Birdmen & Looking Towards the Stars
- Day 07 – Fly to Santiago, International Departure
Our trips are tailor-made to suit your requirements. Contact a luxury Chile travel expert for a comprehensive itinerary and pricing:
- US$ 350+ per person per day (based on 5-star hotels)
- US$ 275 – 350 per person per day (based on 4-star hotels)
- US$ 200 – 275 per person per day (based on 3-star hotels)
Included in the Price:
- Guided excursions as described in itinerary.
- Entrance tickets.
- Hotel nights + breakfasts.
- Airport collections and drop-offs with check-in and baggage assistance.
- 24 Hour emergency contact number and assistance (in-country).
Not Included in the Price:
- International flights.
- Domestic flight package. Flights needed Santiago – Easter Island – Santiago. Approximate cost US$ 600 – 1,000 per person (depending on the day and season). We can purchase these flights on your behalf.
- Tips or gratuities.
- Other meals not stated in the itinerary.
- Travel insurance.
Easter Island can be visited anytime of the year. The most popular time to travel to Easter Island is during the summer months (in the southern hemisphere) of December – March. These months generally see slightly warmer temperatures and less rain which make sightseeing on the island more enjoyable. Summertime temperatures average 22 Deg C (72 Deg F), but the prevailing winds from the Pacific Ocean make the temperatures feel much less. The islands receive rainfall anywhere from 10 – 15 days a month, meaning that you'll most likely encounter rain during your trip.
Departure Dates:
Dates are flexible and customized to meet your needs. Let us know which dates work best for you and we will tailor the itinerary accordingly.
This vacation package is suitable for all ages, and families. This vacation package does require a certain amount of physical activity to navigate the archeological sites but is suitable for most fitness levels. This trip is suitable for families.
Easy: Navigating archeological sites may require a certain amount of physical activity, but it within the realm of most people visiting the islands.
- Santiago de Chile
- Casa Blanca Valley
- Easter Island
Vacation Package Type:
- Sightseeing
- Hiking
- Light Adventure
- Archeology
- Food & Drink
- History
Tell us about your travel plans, and let us hand-craft the perfect trip for you
Natural Wonders of Ecuador: Galapagos & Mashpi Lodge (11 Days)
11 Days
Explore the natural wonders of Ecuador, and gain a deeper understanding of the beautiful, but fragile natural diversity of our planet…VIEW TOUR
Archaeological Tour of Peru (10 Days)
12 Days
Walk in the footsteps of the Incas and enrich your life by the understanding of life's ever changing, ever evolving beauty…VIEW TOUR
Peru & Hotel Based Galapagos Package (12 Days)
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subset: commoncrawl


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by 吉田兼好
Japanese Aesthetics
Stanford Encyclopedia of Philosophy
3. Wabi: Simple, Austere Beauty
In his Essays in Idleness Kenkō asks, "Are we to look at cherry blossoms only in full bloom, at the moon only when it is cloudless?" (Keene, 115). If for the Buddhists the basic condition is impermanence, to privilege as consummate only certain moments in the eternal flux may signify a refusal to accept that basic condition. Kenkō continues: "To long for the moon while looking on the rain, to lower the blinds and be unaware of the passing of the spring—these are even more deeply moving. Branches about to blossom or gardens strewn with faded flowers are worthier of our admiration." This is an example of the idea of wabi, understated beauty, which was first distinguished and praised when expressed in poetry. But it is in the art of tea, and the context of Zen, that the notion of wabi is most fully developed.
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Avation Plc acquires Boeing 737-800 Next Generation aircraft
SINGAPORE: Avation PLC, the commercial passenger aircraft leasing company, has acquired a Boeing 737-800 Next Generation aircraft with CFM 56 Engines in the secondary market.
Avation has entered into a conditional agreement to purchase the aircraft which is approximately 8 years old and is on operating lease to Indonesian flag carrier, Garuda Indonesia, until mid-2022.
The acquisition of the aircraft is expected to be completed in the second quarter of 2019 and is subject to closing conditions typical of a transaction of this nature.
Avation's Executive Chairman, Jeff Chatfield, said: "We are constantly looking to further diversify our aircraft portfolio and operator base. We believe that the Boeing 737-800 NG is an excellent aircraft, indeed one of the most successful and popular aircraft types ever made, with a good residual value outlook. Avation is always willing to consider attractive value acquisitions. This aircraft is the second Boeing aircraft in the Company's portfolio."[the_ad id="32940"]


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Massachusetts Real Estate: What's Happening Today?
Massachusetts Real Estate: What's Happening Today?
The quarterly report on the entire State of Massachusetts for Q1 has been released.
The amount the sellers achieved against their asking prices was down slightly in all counties with the exception of Berkshire County.
Buyers You are Not Going Swindle Your Way In
I know some of my buyer clients will read into the report and be rubbing their hands together with a big greedy smile like a wolf eyeing a lap dog. Buyers – The sky is not falling. Prices are still up. It's not the case in every town and it's going to vary town by town.
If you are the Wolf of Wall Street type, there seems to be a few more foreclosures available lately. See some Boston area foreclosures here
Please make sure you are working with an experienced Realtor who has been in shifting and emerging markets. Hint hint…
Bad purchase decisions usually show up when exiting the property. If you don't make a good purchase, you will pay when you sell.
Whatever you do, please don't rely on Zestimates.
Our latest reports breaks down 3 Greater Boston counties zip code by zip code. If you own, rent or invest in real estate you will not want to miss this report. In this report, we cover Suffolk, Norfolk and Bristol County
If you want the entire state report, reach out to me.


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We have two tweens in our family. One is organized, everything in its place, gets it done, and the other; well the other is the anthesis. Our sweet Little Miss, Caroline, can create a heaping pile of clothes so high, I'm always amazed that it doesn't topple over. She's been known to leave a wrapper on the table, just to save the couple steps to the trash, and though she is an excellent … [Read more...]
Helpful Tips to Organize Your Pantry & Cabinets
Everyone says that the kitchen is the busiest area in their home. I can't say I disagree, as it is in our home as well. But one place that may be even busier is our pantry. All four of us are in and out of that area countless times a day. Let's face it, we've gotta eat, and with two growing kiddos and a couple of parents that have a slight snacking issue, the pantry gets a lot of … [Read more...]
The Essential College Packing Checklist
No doubt, this time of year is stressful. Back to school, whether you have a child heading off to first grade, or their first year of college, the patience level is on overload, and the shopping list is lengthy. Concentrating on those heading off to college, I compiled an essential college packing checklist to keep stress levels at a minimum and to help them navigate their first few … [Read more...]
Be Fed Again Office Reveal
After collecting, painting, saving and storing, my office has finally come alive. As you remember from this post, I took over the living room since we only really used it at Christmastime. Turns out, this room is perfect. Lots of light shines in the windows all day long, which is so important in any design area. There is plenty of space for all of my furniture, and for the room to … [Read more...]
An Easy DIY Solution To Stay Organized Using Pegboard
Organization is a skill I flounder at achieving lately. Believe it or not, there was a time in my life when everything had a place. Nothing out of place was a strict rule I had for myself. Thennnnnnnn, I got married. Had two kids. Hit my 40's. My very structured ways started relaxing. Little by little, things were being left out of place. Now, I shutter to even say this, but a … [Read more...]
A Haven For Be Fed Again
I often write about some of my favorite spots to pull up a chair and day dream; to brainstorm about things, if you will, and ponder all positive possibilities. These spots, these places, are little revenues of my view of haven. Productivity at its finest. My beloved blog is a constant work in progress. Lots of behind the scenes details that aren't shared on this written platform simply … [Read more...]
Outta The Closet
One of the joys of being a blogger, is that I get to write about successful accomplishments, and share detailed before and after shots. I can pick and choose just how nitty-gritty, how raw, and how much or how many of my true weaknesses I want to share. And too, I can only hope that I bring you inspiration and where-with-all on tackling your own DIY endeavors. Today's post is all about getting … [Read more...]
Turning Chaos To Collected – Quick Tip Friday
I don't know about ya'll, but my leftover and take out containers are a flat out mess in our pantry. Because of their light weight, they don't stay stacked well. And on top of that, whenever I'm in a hurry (which seems like always), I can never find a top to the bottom. Until now. Enter today's Quick Tip Friday. Because the holidays are around the corner, the leftover scene is going … [Read more...]
It's Electric!
You know you live in a really old house when you have more than two extension cords in one room and all of your windows are propped open with wooden spoons. Such is the case here, yet slowly but surely we are adding more electrical outlets around each room. In order for my studio to be more functional and work with all my needs, I desperately needed more electrical outlets. When I started … [Read more...]
Spring Cleaning – Royally!
That cabin fever that we felt this past winter turned out to be a little bit of a benefit. Turns out, being cooped up in our house forced us to face the fact that we really needed to do some spring cleaning. Like, big time! We had a spot (on the larger size) in the basement that was garbage storage for things that just wouldn't fit in our regular trash can. Same with the garage. And the … [Read more...]


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Check-in time: 15:00-22:00
Check-out time: 7:00-11:00
You can pay to check-in as early as 7:00, and is subject to availability. For details, please contact our front desk. In addition, you can always check-in and leave your luggage in the luggage room between 7:00 – 15:00.
Yes. We will send you a self-check-in instruction by email on your check-in date. You will get a temporary room card by following the instructions. Next morning between 7:00 to 11:00, please come to the reception with your passport and room card to complete check-in.
Yes. Our luggage room is open from 7:00 to 22:00. You can store your luggage here before check-in and after check-out. Pick up on the same day is free, while overnight storage is NTD100 per night per luggage. Luggage fee can be waived if you have a future booking with us.
Yes. But please note:
1. You can pay online, or leave cash at our reception before it arrives. Otherwise, we cannot receive it for you.
2. Please advise your booking confirmation number and the consignee of your parcels in advance.
3. Make sure it arrives during the time you stay.
4. Inform us when you check-in.
We keep lost and found items for two weeks. If we found your belongings, we can send it to your address for a fee, which includes shipping and processing fee. Advance payment would be required.
No. The lobby is open at all times and you can get into hostel as long as you have your room key.
You will receive a confirmation by email. If you do not receive the email confirmation, please check your junk mailbox.
Your Credit Card information is required to guarantee your booking. No charge will be processed on your card. You can settle your payment by Cash upon arrival. Meander 1948 reserves the right to temporarily hold an amount prior to arrival.
Please fill out the group booking form. We will assign a coordinator to follow-up on your specific case.
Yes. Please make sure that you modify it 3 days before your arrival date, otherwise cancellation fee will apply. To make changes, please check our reservation policy for details.
1. Cancellation made 3 days before your arrival day, 100% room fee could be refunded.
2. Cancellation made on arrival day or directly No Show, no fee will be refunded.
3. No refund after check-in.
Example: Check-in on Dec 20th, and the last day for free cancellation is Dec 16th.
Sorry, we do not provide this service.
We will arrange your room or beds according to the best availability. Please kindly understand that we cannot guarantee your room/ bed location.
To ensure the quality of accommodation, visitors are not allowed to enter the hotel. However, you are welcome to chat or hangout at the cafe on the first floor over a cup of coffee or drinks.
Yes, we provide hair dryer in all private rooms, and in the shower rooms for dormitory.
Yes, the shower rooms offer hot water at all times. Whenever you arrive you can have a comfortable shower!
We have a washing machine and dryer in the laundry room available at all times.
Yes. We have a bed curtain for every single dorm bed, so you can maintain privacy inside your bed.
We offer refrigerator, water dispenser, microwave, electric stove and kitchenware.
We offer free and unlimited WIFI at all times.
It depends on room type. Please inform us if you have any bulk item in advance.
Yes, elevator starts on the 1st floor.
Every bed is equipped with a locker which can be opened with your room key. You do not need to prepare your own lock. The size is about H74/W40/D34(CM)cm which store valuable belongings.
All ensuites provide towels in the rooms, and you are welcome to request for a complimentary toothpaste and toothbrush set or indoor slippers. For dorms, towels and toothbrushes are available for rental/ purchase. All bathrooms onsite offer shampoo, conditioner and shower gel.
Age restriction
- Due to safety concerns, we do not allow guests under 4 years old.
- Minors between age 4 to 12 must be accompanied by an adult and stay in a private room.
- Minors between age 13 to 18 who plan to stay in a dorm, a guardian's permission form must be signed and provided to front desk upon check-in. Please email us for the form in advance.
NO SMOKING ALLOWED (INCLUDING Balcony). VIOLATORS WILL BE FINED NT10,000 AS CLEANING FEE.


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The report, by NatWest, argues that financial capability training should be classified as off-the-job training and built in to future apprenticeship standards and curriculum.
At NatWest, we believe that financial capability is essential to national prosperity, improving business productivity and employee wellbeing. But for us, financial capability is about more than this. It's about helping customers – especially tomorrow's customers – develop better money management skills, knowledge and behaviours, so they are equipped to make the best financial decisions for life.
Young adults, leaving school, college or university and entering the workplace face many challenges and opportunities. But we know that the financial capability of this group is low, and many young adults lack the necessary skills and behaviours to manage their new-found income as they move towards financial independence. Money worries can have a profound impact on their ability to complete their apprenticeships, and they can have a negative impact on the wellbeing of young workers more widely.
Our research identifies that managing money is one of the top three concerns for young apprentices, and that nine in ten employers state that they should have a role to play in improving their young employees' financial management skills and behaviours. The transition into work is a key teachable moment for young employees. And yet, as this report highlights, more needs to be done to make sure our growing apprentice population are equipped not only with technical skills, but with essential life skills such as financial capability. Importantly the report also identifies opportunities for influencing apprentices positively via their workplace. Good advice and support at any stage of life can make a positive difference to an individual's long-term financial future and it is essential that those starting apprenticeships benefit from it.
The five report recommendations are:
Government and business membership groups should proactively communicate apprentice pay rules to employers, with training providers supporting apprentices to understand their rights and responsibilities with regard apprenticeship pay.
As an employer of apprentices and other young workers, with over 450 apprentices currently in post, another 300 starting in 2018, and rated top financial services apprentice employer in 2017 by Rate My Apprenticeship, NatWest calls on policymakers, employers and training providers to recognize the importance of financial capability and provide this vital life skill for the next generation of employees and business leaders.


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United States District Court, N.D. Illinois, Eastern Division.
NATIONAL CONTINENTAL INSURANCE CO., Plaintiff,
Nikola VUKOVIC, AAA Freight Inc., and Miljan Rancic, Defendants.
Signed 03/25/2019
Attorneys and Law Firms
Brian James Hunt, Yong S. Lee, Brian H. Myers, Seamus F. Horan, The Hunt Law Group, LLC, Chicago, IL, for Plaintiff.
Jovan Radomia Ostojic, Anna Liisa Louise Schourek, Lauren F. Crissie, Ostojic & Scudder, LLC, Chicago, IL, for Defendants AAA Freight, Inc., Miljan Rancic.
John Joseph Budin, Budin Law Offices, Chicago, IL, for Defendant Nikola Vukovic.
Charles P. Kocoras, United States District Judge
*1 Plaintiff National Continental Insurance Company ("NCIC") brought this declaratory judgment action against Defendants Nikola Vukovic ("Vukovic"), AAA Freight Incorporated ("AAA"), and Miljan Rancic ("Rancic") (collectively, "Defendants"), seeking a determination that NCIC has no duty to defend or indemnify the Defendants in a personal injury lawsuit in the Circuit Court of Cook County styled Nikola Vukovic v. Miljan Rancic and AAA Freight, Inc., et al., Case No. 2016 L 009810 (the "Underlying Lawsuit"). Before the Court are the parties' cross-motions for summary judgment. For the following reasons, the Defendants' motion is granted in part and denied in part. NCIC's motion is denied.
The following facts taken from the record are undisputed, except where otherwise noted.
A. The Relevant Parties
NCIC is the insurer for MBDP007 Transportation, Inc. ("MBD Transportation"), a trucking business engaged in the freight transportation industry. Mario Konstadinovic ("Mario")1 is an independent contractor and owner of MBD Transportation. AAA is a federal motor carrier and trucking company that provides long-haul trucking services. Antonije Kiljevic ("Kiljevic") is the president of AAA. At all relevant times, Rancic worked for MBD Transportation as an independent contractor and provided services to AAA per the Contractor's Lease Agreement (the "Agreement"). Vukovic was a driver and held a temporary commercial driver's license. Vukovic's legal status is one of the main issues in the case.
B. The Relationship Between MBD Transportation and AAA
MBD Transportation entered into the Agreement with AAA, agreeing to provide AAA with certain equipment and qualified drivers for truck-hauling services. In pertinent part, the Agreement stated:
1. The parties intend by this Lease or relationship of [AAA] and [MBD TRANSPORTATION] and not that of employer and employee. Neither the [MBD TRANSPORTATION] nor its agents are to be considered employees of the Lease at any time, for any purpose.
2. [MBD TRANSPORTATION] shall operate equipment covered by the Agreement or furnish sufficient employees to operate said equipment. Any employees furnished by [MBD TRANSPORTATION] shall be his employees, shall be hired, directed, paid, and controlled solely by [MBD TRANSPORTATION]. [MBD TRANSPORTATION] represents that any employees furnished by him are competent, reliable, physically fit and are familiar with State and Federal motor carrier safety rules, laws, and regulations.2
The Agreement further explained that "[MBD TRANSPORTATION] was solely responsible for the payment of all wages, payroll taxes, and workman's compensation insurance for the drivers," as well as requiring AAA to "maintain Public Liability Insurance for the leased vehicles."
C. Allegations Giving Rise to the Current Lawsuit
*2 In August of 2015, AAA and MBD Transportation agreed that MBD Transportation would perform a trip consisting of the following routes: (1) Chicago to Texas; (2) Texas to Colorado; (3) Colorado to Oregon; (4) Oregon to Washington; (5)Washington to Idaho; and (6) Idaho to Indiana (the "Subject Trip"). The Subject Trip was within the purview of the Agreement.
Rancic was hired to be the driver on the Subject Trip with Vukovic scheduled to accompany Rancic as a "trainee and passenger." On August 31, 2015, Rancic was driving in Idaho with Vukovic as his passenger. Vukovic alleges that on this day Rancic negligently lost control of the vehicle, causing it to turn over and fall down a hill. Vukovic suffered a brain injury and required multiple surgeries.
On April 5, 2017, Vukovic filed the Underlying lawsuit against Rancic and AAA. In his two-count complaint, Vukovic alleges that he was an "authorized passenger" in the vehicle Rancic operated and had permission from both Rancic and AAA to participate in the Subject Trip. The complaint seeks damages against both Rancic and AAA.
The parties do not dispute that on the Subject Trip, Vukovic served as an independent contractor under the purview of the Agreement. However, the parties offer differing accounts as to Vukovic's role.
The Defendants contend that Vukovic was merely a "trainee" and as such, was not paid by NCIC nor had any expectation of getting paid. Rancic explains that MBD Transportation requested him to drive West because Vukovic had to accomplish something in Washington and that MBD Transportation's president offered a load towards Spokane, Washington, where Vukovic and Rancic coincidentally each maintained residences. According to Rancic, Vukovic was not his "co-driver" and failed to maintain a log book. Rancic testified that he had previously taken this route and did not need Vukovic to complete the Subject Trip. AAA's President, Antonije Ketjevic, testified that AAA did not provide worker's compensation to either Rancic nor Vukovic and that he was unable to terminate either Vukovic or Rancic because each were independent contractors.
NCIC explains that although Rancic was training Vukovic, Vukovic operated as a team-driver to Rancic and performed various tasks that benefited AAA. NCIC alleges that Vukovic drove for three hours on the Subject Trip and assisted Rancic as a "spotter." NCIC also claims that Mario paid Vukovic for his assistance and provided Vukovic with food, cigarettes, and water.
On April 24, 2018, the Defendants filed a summary judgment motion seeking a determination that NCIC has a duty to defend and indemnify the Defendants in the Underlying Lawsuit. NCIC brings this declaratory judgment against the Defendants, seeking a determination that it has no duty to defend or indemnify the Defendants in the Underlying Lawsuit.
D. Relationship Between NCIC & AAA as Insurer/Insured
On April 9, 2015, NCIC issued an insurance policy numbered CIL 000-5276-678-5 (the "Policy") to AAA with effective dates of April 9, 2015 to April 9, 2016.
I. The Policy
The Policy provides the following liability coverage to AAA:
We will pay sums an "insured" legally must pay as damages because of "bodily injury" or "property damage" to which this insurance applies, caused by an "accident" and resulting from the ownership, maintenance or use of a covered "auto." The Policy contains the following definitions:
*3 "Bodily injury" means bodily injury, sickness or disease sustained by a person including death resulting from any of these.
"Employee" includes a "leased worker." "Employee" does not include a "temporary worker."
"Leased worker" means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. "Leased worker" does not apply to "temporary worker."
"Temporary worker" means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short-term workload conditions.
II. Exclusion Policies
The Policy contains two exclusions. First, the "Fellow Employee" exclusion provides, in relevant part, that the Policy excludes from coverage bodily injury to any "fellow 'employee' of the 'insured' arising out of and in the course of the fellow 'employee's' employment or while performing duties related to the conduct of your business."
Second, the "Employee Indemnification and Employer's Liability" exclusion provides that the Policy does not cover bodily injury to an " 'employee' of the 'insured' arising out of and in the course of (1) Employment by the 'insured'; or (2) Performing the duties related to the conduct of the 'insured's' business."
The Policy includes a federally mandated endorsement, MCS-90 Endorsement, which states that the "insurance policy to which the endorsement is attached provides automobile liability insurance and is amended to assure compliance by the insured, within the limits stated herein, as a motor carrier of property, with Sections 29 and 30 of the Motor Carrier Act of 1980 and the rules and regulations of the Federal Motor Carrier Safety Administration (FMCSA)." The MCS-90 Endorsement also explicitly states that "all terms, conditions, and limitations in the policy to which the endorsement is attached shall remain in full force and effect as binding between the insured and the company."
In considering a motion for summary judgment, the Court construes all facts and draws all reasonable inferences in favor of the non-movant. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 255 (1986). Summary judgment is appropriate "if the movant shows that there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law." Fed. R. Civ. P. 56(a). A genuine issue of material fact arises where a reasonable jury could find, based on the evidence of record, in favor of the non-movant. Anderson, 477 U.S. at 248. In ruling on a motion for summary judgment, the Court considers the "record as a whole." Morgan v. Harris Trust & Sav. Bank of Chi., 867 F.2d 1023, 1026 (7th Cir. 1989).
A. Illinois Law Applies
As an initial matter, there is a choice of law issue to resolve. In diversity cases, federal courts apply federal procedural law and state substantive law. Allen v. Cedar Real Estate Grp., LLP, 236 F.3d 374, 380 (7th Cir. 2001) (citing Erie R.R. v. Tompkins, 304 U.S. 64, 78 (1938) ). "Questions of insurance-policy interpretation are substantive." Natl. Am. Ins. Co. v. Artisan and Truckers Cas. Co., 796 F.3d 717, 723 (7th Cir. 2015). Here, the parties agree that Illinois law applies in this case, and there is no reason for the Court to conclude otherwise.
*4 Under Illinois law, if policy provisions "are clear and unambiguous there is no need for construction and the provisions will be applied as written." Wehrle v. Cin. Ins. Co., 719 F.3d 840, 843 (7th Cir. 2013) (quoting U.S. Fire Ins. Co. v. Schnackenberg, 429 N.E.2d 1203, 1205 (Ill. 1981) ). The provisions in a "clear and unambiguous" policy "must be given their plain, ordinary, and popular meaning, and the policy will be applied as written, unless it contravenes public policy." Id. (quoting Rich v. Principal Life Ins. Co., 875 N.E.2d 1082, 1090 (Ill. 2007) ).
I. Allegations of Bodily Injury Under the Policy
The Defendants contend that the Underlying Lawsuit triggered NCIC's duty to defend or indemnify because they alleged "bodily injury" caused by an auto accident. The Defendants argue that although Vukovic was an independent contractor on the Subject Trip, Vukovic was not an "employee" as defined by the subject policy and therefore not subject to the policy's employee exclusions.
NCIC claims it has no duty to defend or indemnify the Underlying Lawsuit and presents two distinct argument as to why Vukovic is an employee under the Subject Policy. First, NCIC contends that Vukovic qualifies as a "statutory employee" as defined by the Federal Motor Carrier Safety Regulations ("FMCSR"). NCIC argues that this broader definition is applicable to the instant cause because the Subject Policy fails to clearly define "employee." Therefore, NCIC argues that the employee exclusions apply because Vukovic qualifies as a "statutory employee."
NCIC next argues that even if the Subject Policy's definition of "employee" controls, the employee exclusions preclude its duty to defend because Vukovic qualifies as a "leased worker" under the Subject Policy.
A. The Policy's Definition of "Employee" Controls
NCIC first argues that the definition of "employee" set forth in the FMCSR applies to the Policy. That definition "includes a driver of a commercial motor vehicle (including an independent contractor while in the course of operating a commercial motor vehicle)." 49 C.F.R. § 390.5 (2018). Therefore, NCIC argues that Vukovic's status as an independent contractor falls with the "employee" definition defined by the FMCSR.
NCIC reasons that, because it issued the Policy to a federal motor carrier to comply with the requirements of the FMCSR, the Policy should incorporate the broader "statutory employee" definition. NCIC also points to the MCS-90 Endorsement as "additional proof" that the parties intended to comply with the FMCSR. We disagree.
The policy is clear and unambiguously defines "employee" to include a "leased worker" but not a "temporary worker." When defining "leased worker" and "temporary worker," the Policy fails to mention or reference a more expansive "statutory employee" definition. The MCS-90 Endorsement also fails to mention or reference the "statutory employee" definition and unambiguously asserts that "all terms, conditions, and limitations in the policy to which the endorsement is attached shall remain in full force and effect." Accordingly, because the provisions are clear and unambiguous, we find that the Policy does not incorporate the "statutory employee" definition.
This conclusion accords with the balance of the persuasive authority on this issue, and we agree with the rationale adopted by National Continental Insurance Company v. Singh, 2018 WL 3861549, at *1 (N.D. Ill. 2018). In Singh, the court evaluated an identical policy and declined to apply the more expansive "statutory employee" language because it was neither contemplated by the Policy nor the MCS-90 Endorsement. Id. at *3. When reaching its conclusion, the Singh court first evaluated Gramercy Insurance Company v. Expeditor's Express, Inc., 575 F. App'x 607, 608-09 (6th Cir. 2014). In Gramercy, the court rejected the expansive "statutory employee" language because the policy supplied a definition for "employee," and neither the policy nor the MCS-90 Endorsement contemplated the "statutory employee" definition. Gramercy, 575 F. App'x at 609. The court noted that "the relevant language of the endorsement – 'amend[s the contract] to assure compliance' – does not incorporate the [statutory] definition of employee into the contract … Nothing in the language of the endorsement suggests it operates to amend the more generous coverage in the insurance contract down to the minimum requirements" of the Federal Motor Carrier Act. Singh, 2018 WL 3861549, at *3 (citing Gramercy, 575 F. App'x at 609).
*5 The Singh court next evaluated Great West Casualty Company v. National Casualty Company, 53 F. Supp. 3d 1154, 1185-87 (D.N.D. 2014), aff'd, 807 F.3d 952 (8th Cir. 2015). Like Gramercy, the Great West court "found it significant that the policy already defined 'employee' and made 'no similar attempt' to incorporate the 'statutory employee' definition." See Singh, 2018 WL 3861549, at *3 (quoting Great W. Cas. Co., F. Supp. 3d at 1186). The court further noted that adopting the federal "statutory employee" definition would "upset the expectations of the parties" by having the "effect of reducing the scope" of coverage. Id. It further noted that the MCS-90 endorsement did not "evince an intent that the federal 'statutory employee' definition be read into the underlying policy,' but rather 'expressly states it does not otherwise modify the underlying policy.' " Id.
The Singh court also relied on Northland Insurance Company v. Rhodes, 2010 WL 5110107 (D. Colo. 2010). The Rhodes court declined to adopt the "statutory employee" definition because the policy incorporated a definition of "employee." Id. at *7. The court further noted that "the fact that the contract includes such a definition suggests that, regardless of the overarching purpose of the contract, the parties did not specifically intend to incorporate the regulatory definition of 'employee' into the policy." Id.
Based on these three cases, the Singh court concluded:
"Thus, the courts in Gramercy, Rhodes, and Great West declined to adopt the broader 'statutory employee' definition into insurance policies where: (1) the policy already defined 'employee;' and (2) neither the policy itself nor the MCS-90 [E]ndorsement referenced incorporation of the statutory definition. Gramercy and Rhodes additionally recognized that adopting the 'statutory employee' definition would effectively reduce coverage, and upset the expectations of the contracting parties. The circumstances here are the same, and the reason set forth in those cases persuades this Court."
Singh, 2018 WL 3861549, at *3.
This Court agrees with the Singh court's rationale and declines to apply the "statutory employee" language. Therefore, having determined that the Policy's definition of "employee" governs, we next evaluate whether Vukovic qualifies as a "Leased Worker" under the Policy.
B. Vukovic And Rancic Are Not "Leased Workers"
NCIC next articulates that Vukovic and Rancic qualify as "leased workers" under the Policy. The Policy defines "leased worker" as "a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related in the conduct of your business." The Policy requires that a leased worker be someone leased by a "labor leasing firm." Although the Policy and Parties do not define what constitutes a "labor leasing firm" – and this Court is unaware of any Illinois state court ruling interpreting it – the Seventh Circuit in Telamon Corp. v. Charter Oak Fire Insurance Company defined "labor leasing firm" as a company "in the business of placing its employees at client companies for varying lengths of time in exchange for a fee." 850 F.3d 866, 870 (7th Cir. 2017) (quoting Pac. Emp'rs Ins. Co. v. Wausau Bus. Ins. Co., 2007 WL 2900452 (M.D. Fla. 2007) ); see also Scottsdale Ins. Co. v. Torres, 561 F.3d 74, 76, 78 (1st Cir. 2009). "In other words, a 'labor leasing firm' is a business concern that sells another person's work for a specified time and for a specified fee." Telamon Corp., 850 F.3d at 870. Accordingly, this Court applies the definition set forth by the Seventh Circuit.
MBD Transportation, as the moniker implies, is a trucking company; it is not an employment agency or staffing firm. There was no testimony to support NCIC's assertion that MBD Transportation was in the business of leasing employees out to other companies like a labor staffing company does.
*6 The Agreement itself also fails to support NCIC's interpretation of MBD Transportation as a labor leasing firm. The Agreement unambiguously identifies MBD as the "independent contractor," AAA as the "carrier," and expressly states that "[n]either [MBD Transportation] nor its agents are to be considered employees of [AAA] at any time, for any purpose."
The parties also do not dispute that Rancic and Vukovic were independent contractors to MBD Transportation at the time of Vukovic's injuries. NCIC itself repeatedly characterizes them as such, and Keljevic testified that "he cannot fire Rancic (or Vukovic) because they are independent contractors and not employees." Christine Suke, NCIC's corporate attorney, also acknowledged that "it was determined that Vukovic and Rancic were independent contractors." Accordingly, Vukovic and Rancic are not "leased workers" as defined by the Policy.
C. The Exclusions Do Not Apply As a Matter of Law
As an independent basis to defeat the Underlying Action, NCIC relies on the "Fellow Employee" and "Employee Indemnification and Employer's Liability" policy exclusions. The "Fellow Employee" exclusion eliminates from coverage bodily injury to any "fellow 'employee' of the 'insured' arising out of and in the course of the fellow 'employee's' employment or while performing duties related to the conduct of your business." The "Employee Indemnification and Employer's Liability" exclusion provides that the Policy does not cover bodily injury to an " 'employee' of the 'insured' arising out of and in the course of (1) Employment by the 'insured'; or (2) Performing the duties related to the conduct of the 'insured's' business."
We find that the exclusions do not apply because neither Vukovic nor Rancic fit within the Policy's definition of "employee." Absent incorporation of the "statutory employee" definition, the contract is clear and unambiguous on this point. Applying the Policy as written, and giving the Policy's provisions in their "plain, ordinary, and popular meaning," we find as a matter of law that Rancic and Vukovic are not "leased workers." See Wehrle, 719 F.3d at 843. We also find that the Policy did not intend to include independent contractors. Therefore, the exclusions NCIC relies upon do not preclude coverage.
II. Duty to Indemnify
The Defendants argue that NCIC has a duty to indemnify all allegations brought forth by Vukovic in the Underlying Action. "An insurer's duty to indemnify is narrower than its duty to defend its insured." Outboard Marine Corp. v. Liberty Mut. Ins. Co., 154 Ill. 2d 90, 127 (1992). "[T]he duty to indemnify is determined once liability has been affixed." Nat'l Am. Ins. Co., 796 F.3d at 724. "[T]he duty to indemnify arises if the insured's activity and the resulting loss or damage actually fall within the … policy's coverage." Outboard Marine Corp., 154 Ill. 2d at 128 (emphasis in original).
A duty to indemnify is not ripe for adjudication "until an insured becomes legally obligated to pay damages in the Underlying Action." Weber v. St. Paul Fire & Marine Ins. Co., 251 Ill. App. 3d 371, 373 (1993). An action "brought to determine the insurer's duty to indemnify its insured, brought prior to a determination of the insured's liability, is premature since the question to be determined is not ripe before adjudication in the underlying action." Id.
*7 At this juncture, we find this question premature because liability has not yet been decided in Nikola Vukovic v. Miljan Racic and AAA Freight, Inc., et al., Case No. 2016 L 009810, which appears to still be in case management. Accordingly, the Court will not rule on the duty to indemnify at this point.
For the aforementioned reasons, the Court grants Defendants' motion in part and denies it in part. NCIC's motion is denied. It is so ordered.
All Citations
Slip Copy, 2019 WL 1331790
The pleadings indicate that multiple attempts to locate and serve Mario were made. However, upon information and belief, Mario appears to no longer be in the country.
The Agreement unambiguously asserts MBD Transportation as the independent contractor and AAA as the Carrier.


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It is always a shame when someone pays more for their auto insurance than they need to, especially when there are things you can do to lower your premium and save you money. One of the discounts that many Canadians miss is offered for putting winter tires on their vehicle. You might be wondering why your insurance company would reward you for doing something you'd want to do anyway, but there are surprising benefits to installing winter tires that extend beyond your safety or extending the life of your summer tires.
The main reason they are willing to give you a discount is because specialized snow tires are designed to grip the road in inclement weather so that your chances of an accident on icy, snow-covered, and wet roads are greatly reduced. Paying out for accidents isn't something your auto insurance company wants to do, so it makes sense they'd encourage the use of winter tires.
It might seem like extra money to buy two sets of tires for your vehicle, but your summer tires and winter tires will both last twice as long, so it is no different than wearing out one set and then buying a new set. Furthermore, the added cost of winter tires is offset by the discount offered by the auto insurance company, and there is great value in knowing you are safer driving around during the winter.
If you would like to know what you can save by switching to winter tires this year, give us a call at Jamieson-Hilts Insurance Brokers Ltd. We understand that securing proper auto insurance at the lowest rates for the coverages you require can be a complicated process. We've been providing auto insurance solutions in the Woodstock, Ontario area since 1865, so you can be confident we'll help find you any discounts that apply to your policy. Call us today to learn more.


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The Existence of Addiction
Easter 22
Dr. Peg O'Connor is chairperson of the Program Committee for the upcoming Nobel Conference which will convene in October of this year in Minnesota at the college where she is a member of the faculty, Gustavus Adolphus College. Her training is in moral philosophy as well as feminist philosophy. She is eminently qualified to chair the conference, entitled "The Meaning of Addiction", having written two book and co-edited two others.
Addiction is most properly defined as an existential condition. Existentialism is the branch of philosophy that examines the choices human beings make and how those choices impact their lives. Although not a school of the formally until the nineteenth century, mankind asked questions about his existence from the very beginning. Philosophy began when mankind studied how to live life and live it successfully. Socrates is reputed to have said "The unexamined life is not worth living." The most successful, well-known, and many claim most efficient means of addiction treatment encourages self-examination. Indeed, most therapy is based upon looking at how we exist and the impact of that existence.
The addict is required to accept personal responsibility and liability for his or her actions. Addiction is a condition; some would say it is an illness, one that involves self-deception, an avoidance of responsibility, and living in a false reality. John Locke proposed in the 1600's that memories create continuity and bind us past to the present but this leaves the addict, many of whom suffer blackouts, living in a no-man's land, questioning his or her own identity.
Philosophy has always attempted to study the whole person and the human condition – communally and individually. According to Dr. O'Connor, philosophy "embraces the normative/value questions and encourages a deep exploration of them. Humans are social and moral animals, and keeping this fact front and center is one of the roles of philosophy." Dr. O'Connor is not just a highly-trained philosopher and educator. She is also a recovering addict.
The alcoholic or drug addict is easy to find. What about the person addicted to peer pressure? What about the person addicted to materialism? Descartes' "I think; therefore I am" has become the battle cry of consumerism with a paraphrase to "I am; therefore I should have."
This post will be brief today. There are many who need our prayers and donations, given the earthquakes in Nepal yesterday. What if, I wondered as I read the many news stories requesting donations and Facebook postings from various charities, man could be addicted to caring for his/her fellow man? What if instead of hearing or seeing the news, we immediately became thirsty to render aid?
E. H. Spina is the founder of the Energy Center Clearing. He penned the book "Mystic Warrior" and coauthored "101 Great Ways to Improve Your Life." He advises that one does not attempt to help when one is emotionally attached to the outcome. "If you really want to help a person, keep away. If you are emotionally committed to helping, you will fail to help."
Spina quotes Nisargadatta Maharaj, an Indian considered by many to be a sage or wise man who based his entire philosophy of helping others around his teaching that, "knowing who you truly are" is the single most important thing you can do to help anyone and consequently the world. "The only help worth giving is freeing from the need for further help. Repeated help is no help at all. Do not talk of helping another, unless you can put him beyond all need of help."
I confess that studying philosophies of helping can be quite confusing. We've all heard the adage "Give a man a fish; you feed him for a day. Teach a man to fish; you feed him for a lifetime." It is the basis for many nations' policies on social programs. It is also the basis for the rehabilitation programs that many penal institutions supposedly implement. It is, quite simply, giving someone a helping hand to pick themselves up rather than simply giving them a handout.
Gandhi urged us all to "Be the change you want to see in the world." Many spiritualists are somewhat hesitant of this, E. H. Spina being one. They encourage we dedicate our energies to becoming rather than helping. They even say that helping while we are still blossoming into our real selves might encourage others to become dependent on us.
I will agree that helping can become an addiction. It is not the actual act of helping that is the problem, however. It is the motivation behind the helping. For instance, one can text a monetary donation to help victims of the earthquake in Nepal. The Nepal Earthquake Relief Fund, UNICEF, and the American Red Cross all have numbers you can text and make such a donation. With a simple text you can save lives. Could that possibly be harmful?
Addiction is the escaping of some aspect of our living, an unresolved past, or perhaps a chemical imbalance within the body. For those who drown their problems in alcohol or the painfully shy person who feels they need the ego boost of drugs to be social, addiction is a road easy to see. For those who need approval, though, by helping, generosity becomes a minefield. Ego can sometimes be the most powerful addiction with which we will ever be tempted.
Philosophy was the first science to encourage questioning that which was held to be true. Instead of students being expected to blindly follow their mentors, philosophy students were encouraged to think for themselves. When we think and act for ourselves, we start the process of becoming ourselves. Maybe today that will mean helping the victims of the Nepal earthquakes. Maybe that will mean helping yourself. Author Shannon Alder summed it up this way: "When you think yours is the only true path you forever chain yourself to judging others and narrow the vision of God. The road to righteousness and arrogance is a parallel road that can intersect each other several times throughout a person's life. It's often hard to recognize one road from another. What makes them different is the road to righteousness is paved with the love of humanity."


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Date & Time
Saturday 23rd Jun 2018
2:00 pm - 5:00 pm
Spend a wonderful whimsical Saturday afternoon with friends together with Dan & Steph from EAT & Josh & Zoe from Ohana Winery & Exotic Fruits
Set within the beautiful Ohana Orchard, you'll feast on a unique four course meal designed, created & served by EAT at Dan & Steph's which is cleverly paired with Ohana's Cheeky Tiki Ciders.
Live local muso will set the event, while you stay warm by the Yagoona Design Australia fire pits.
No transportation will be supplied to & from the event but Geoff & Nicole from Childers Gateway Motor Inn are offering exclusively 20% off room rates for the evening – bookings to be made directly with them just mention you've secured tickets to the event. Accommodation is walking distance to Ohana. Even better!!
A very unique event not to be missed
$100 per person plus eventbrite booking fee
all future events at Ohana Winery & Exotic Fruits
view all Fraser Coast events


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来源:生物谷 2013-08-09 11:18
Imvanex是唯一一个通过欧盟集中审批程序获批的天花疫苗,该疫苗在美国名为Imvamune,通过与美国政府合作开发。自2010年以来,Bavarian Nordic一直在向美国国家战略储备(US Strategic National Stockpile)供货,用于免疫系统受损患者(如特异性皮炎患者及HIV患者)的紧急使用。(生物谷Bioon.com)
英文原文:Bavarian Nordic smallpox vaccine cleared in EU
Article | 08 August 2013
The European Commission has granted marketing authorization for Denmark-based Bavarian Nordic' (OMX: BAVA) Imvanex (MVA-BN) for active immunization against smallpox disease for the general adult population, including people with weakened immune systems (people diagnosed with HIV or atopic dermatitis).
This is the first European approval of a novel biodefense vaccine developed through a successful public-private partnership with the US government, the company noted.
"The marketing authorization of Imvanex marks a significant milestone for our company and our MVA-BN vaccine technology platform, which now serves as the foundation for multiple candidates in our development pipeline," said Anders Hedegaard, president and chief executive of Bavarian Nordic, adding: "We are delighted to receive our first regulatory product approval, which was supported by a strong partnership with the US government and proves that public-private enterprises can work if there is a shared vision and willingness to invest in a sustained biodefense market."
Imvanex is the only smallpox vaccine approved through the centralized European Union procedure. Known as Imvamune in the USA, it has been developed under contracts with the US government. Since 2010, Bavarian Nordic has been delivering the vaccine to the US Strategic National Stockpile for emergency use in immune compromised individuals, such as people with atopic dermatitis and HIV who are not has also been supplied to other government stockpiles around the world.


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By: Dr. Arto Hämäläinen & Dr. Grant McClung
"This significant new book arrives at a strategic moment in the growing international movement toward cooperation in world evangelization. To my knowledge, Together in One Mission may be the first of its kind in what I hope will be a growing series of case studies and expositions on Pentecostal cooperation in world evangelization.It is vital for the evangelical Great Commission community and broader Christian movement to widen their embrace of the new face of global Pentecostalism—the new face of global Christian mission."
From the Foreword by Tetsunao Yamamori, former international director of the Lausanne Committee for World Evangelization, and senior fellow of the Center for Religion and Civic Culture at the University of Southern California and co-author (with Donald E. Miller) of Global Pentecostalism: The New Face of Christian Social Engagement.


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Parenting through divorce is exhausting. While dealing with the practical concerns of finances, relocation, and visitation, there are also painful emotional issues to cope with and you are still required to be a parent. It's overwhelming and can feel like nothing you are doing is going to help your child adjust to this new normal.
We can help.
So much of what your child needs is for you to understand, not fix, how they are feeling. Mary Shuffleton, LPC will hold this hour-long workshop to talk with parents about the emotional needs our children have and how to open up a dialogue with them about the feelings of anger, sadness and guilt they may be experiencing surrounding your divorce.
The workshop will cover: *
• How reactions differ by age and what you can expect
• Conversation starters for difficult subjects
• Strengthening the parent/child relationship
• Identifying warning signs of depression
Space is limited.
This workshop has passed and registration is closed. Please e-mail email@example.com if you are interested in this or a similar workshop.
*While we respect the need to talk about co-parenting issues, that will not be the focus of this hour.


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The Iraqi striker with two names – free to play for Iraq at the Gulf Cup »
In one of the strangest cases of age fraud in Iraqi youth football, an Iraqi judiciary has ruled in favour of Al-Shurta's striker
Iraqi star midfielder Yaser Kasim goes back on his decision to retire from international football. »
One of Iraq's star performers at the last Asian Cup in Australia, the midfielder Yaser Kasim has gone back on his decision to
Abu Dhabi's Al Jazira Club to Build Shopping Mall »
Arabian Gulf League side Al Jazira Club announced breaking ground in the club's own shopping mall under the 'City Centre Al Jazira' brand.
خاص وحصري: الإتحاد السعودي يسعى لإعارة لاعبي الأخضر لفرق أوروبية »
كشفت مصادر مقربة من الإتحاد السعودي لكرة القدم حصرياً لموقع أهداف أن الاتفاقية التي وقعها معالي تركي آل الشيخ مع رابطة
EXCLUSIVE: Saudi Arabia to Send National Team Players to Europe »
Sources close to the Saudi Arabian Football Federation exclusively revealed for Ahdaaf that an agreement signed last week with Spain's La
Iraq's 2007 Asian Cup winning captain caught up in ISIS fighting »
On the day of the redeployment of Iraqi forces in the province of Kirkuk, Iraq's heroic 2007 Asian Cup winning captain Younis Mahmoud
KURDISTAN REFERENDUM: How will it affect football in Iraq? »
The Kurdistan independence referendum was held on September 25 this month against strong opposition from the Iraqi government and bordering neighbouring countries Iran
The never ending shambles of an Iraqi league season »
For a few seasons now the running joke amongst Iraqi football supporters is when the Iraqi league season will end. You have more
Press conference: World Stars v Iraq Stars in Basra »
World legendary footballers Hernan Crespo and Michel Salgado were in the Iraqi city of Basra for the press conference to announce the World
One Goal, One People »
The whole nation from the highest mountains of Zakho in the north to the deepest south of Safwan held their breath as they


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"Put the blue stuff on the red stuff." Reduced to such simple terms, the core imperative of firefighting makes it sound almost too easy. Yet moving water from point A to point B while protecting the inhabitants of the Menlo Park area in many other ways has kept the Menlo Park Fire Protection District on its toes over its first 100 years.
A parade Saturday on Santa Cruz Avenue in downtown Menlo Park celebrated the district's centennial. At least 40 firefighting and emergency-response vehicles, some dating to the 19th century, were wheeled down the four-block parade route, serving as a moving time capsule of the past century and more.
Children in firefighter costumes waved eagerly as current and retired firefighters marched or rode down the avenue. Afterward, the vehicles were on display in the parking lot between Santa Cruz and Oak Grove avenues across from Fire Station 6.
In 1916, when the local community decided to create the fire district, "the biggest risk they faced was fire," Fire Chief Harold Schapelhouman says.
The district's original boundaries covered about 12 square miles, according to the Menlo Park Historical Association. Its boundaries today cover about 30 square miles and encompass Menlo Park, Atherton, East Palo Alto, North Fair Oaks and other areas of unincorporated San Mateo County.
One man who has seen a large portion of the district's first century is Tom Carter. "I was born into the fire service," he says.
His dad, George Carter, was a firefighter, and Tom, who was born in 1935, spent his first two years living next door to the old Menlo Park fire station, located on Merrill Street, near where Kepler's and Cafe Borrone are now.
His family later moved to a larger home in Menlo Park, but he kept close ties to the fire district. At age 4, he got to ride on the district's 1899 hose wagon in a July Fourth parade with his father by his side. The wagon, drawn by horses, was used by volunteer firefighters to carry hose to a fire. During Saturday's parade, Tom Carter rode on that same wagon.
When he grew up, Tom and his dad, who by then was the fire chief, served together with the fire district from 1953 until his father retired in 1972. Tom says sometimes his dad was tougher on him than other firefighters, but they had a great relationship.
"Big fires are exciting, but the most fulfilling thing is the gratification you get from helping people," he says.
The fire district helps in many ways beyond fighting fires. Much of the district's work today involves responding to medical calls and vehicle accidents.
In 1991 the district became part of the South Bay Water Rescue Team, in a joint powers agreement with the Palo Alto Fire Department. That team conducts water rescues in the bay, using an air boat to traverse muddy regions between tides.
The district also does fire prevention work and organizes community fire protection and education programs, including training volunteers to serve on its Community Emergency Response Team (CERT).
In the last 100 years, Chief Schapelhouman says, district firefighters have been on the scene of major catastrophes, not just here but across the country, including the Sept. 11 attacks in New York City.


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Beer Coach
Enjoy the best view of Berlin whilst you sitting and drinking cold beer. Horse carriage represents the most popular way how to explore culture of this city. We upgraded this experience for our stag groups adding a bar with 20 litres of beer to have a perfect chill out.
An unforgettable trip through the cultural centre of Berlin in old-fashioned style.
What is included:
- coachman
- horse coach
- 20 litres beer
You can choose between 60, 90 and 120 minutes tours.
city centre
Group size:
Maximum of 20 people per coach.
Special remarks:
The price is according to 60 minutes tour.
90 minutes tour costs 580 €.
120 minutes tour costs 680 €.
90 minutes tour costs 580 €.
120 minutes tour costs 680 €.


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I think if one looks at the collective body of evidence regarding the biology of sexual orientation, I think it would only be extreme dogmatists that would try to argue that there is no evidence that biological factors play a role in the differentiation of sexual orientation…I think there is some evidence that sexual orientation in males and sexual orientation in females has a heritable basis.
What can the science tell us in terms of linking gender non-conformity and sexual orientation?
We now know from a whole variety of retrospective data sets that one developmental marker or predictor of sexual orientation in both men and women pertains to a variable that some people refer to as gender non-conformity. Other people refer to it as gender variant behavior. Other people simply use the term sex-typed or gender typed behavior.
And a whole bunch of retrospective studies show that, on average, gay men and lesbian women recall engaging in more cross-sex typed behavior or gender non-conforming behavior or gender variant behavior. Whatever term one prefers, in childhood compared to the recollections of heterosexual men and women. And these differences were quite large and this has been documented repeatedly in numerous studies, spanning several decades. The studies are not limited to North America. There have been samples from Europe and in non-western cultures, etc.
So, one conclusion that I made that was based on retrospective data, patterns of gender behavior in childhood is a strong predictor of later sexual orientation. And my own sense in the scientific literature is that link now is accepted as being a strong link. Nobody, including myself, says that it is a perfect link, but it is a strong link.
Customer Reviews Leave your reviews Rating without review


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Aeronautical radio is divided into two main functions – aircraft and ground stations (including both voice and radionavigation).
Ofcom issues licences to authorise these uses of radio.
The Aircraft Radio Licence is available in three forms:
The Aircraft application form lists the main equipment types that are used on aircraft. Please see below for a brief description of each type:
If any of the following equipment types are carried, additional terms and conditions apply. Please download a copy of the aircraft radio licence special equipment terms and conditions (PDF, 634.3 KB).
The following equipment type is not listed on the aircraft application form, but can be requested by writing to Ofcom and is only for genuine search and rescue aircraft with the approval of the MCA.
These licences authorise the installation and use of a radio installations which provide ground to air communication.
We do not normally issue a ground station licence, until we are satisfied that the ground station has been assessed as fit for purpose by the CAA.
Licences normally cover a single site. A separate fee is payable for each assigned working frequency.
There are several types of ground station radio licences to cover the main types of ground to air service. These are as follows:
Ground radio equipment designed for 25 kHz channel spacing must be able to operate on any channel between 118.000 MHz and 136.975 MHz in 25 kHz steps. Equipment designed for 8.33 kHz channel spacing must be able to operate on any channel between 118.000 MHz and 136.475 in 8.33 kHz steps. Under EU legislation, most aeronautical ground station radio equipment must operate on 8.33 kHz channel spacing.
Equipment and systems intended for analogue voice and ACARS data link communications must comply with the Minimum Performance Specification published by the CAA.
Frequencies may only be authorised for use within the United Kingdom Flight Information Region, including the UK Continental Shelf.
Aeronautical radio messages must be limited to those concerning flight safety or flight regularity. Public correspondence and messages relating to air carrier/company business communications and passenger service/convenience are not permitted.


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Shane van Gisbergen's quest for international GT programs either side of the Atlantic Ocean in 2018 has not come to fruition, after a drive in the US fell through "last-minute".
The Red Bull Holden Racing Team driver set his sights on ramping up his overseas commitments with American and European campaigns this term, following the release of the 2018 Supercars calendar.
That would have included IMSA SportsCar Championship outings - after contesting three events last year - but when that starts this weekend with the Daytona 24 Hours, van Gisbergen will be an onlooker for the first time since 2013.
"I had something for America and unfortunately lost it last-minute," he told Supercars.com.
"That was a shame, not to be going there. I love not only Daytona, but also the other races, the American style's really cool.
"But I'll hopefully have something to announce in Europe in the future."
Van Gisbergen had been "shopping around" after the WeatherTech outfit with which he had done the last four Daytona enduros locked in its drivers early with a switch from Mercedes to Ferrari.
The same year he won the Supercars title, van Gisbergen took out the 2016 Blancpain GT Endurance Series with McLaren, but calendar clashes prevented a title defence and another season as a factory driver.
This year's first four Blancpain rounds - two apiece counting for the Sprint and Endurance Cups - across April and May fall on the same weekend as Supercars events.
That means van Gisbergen's European outings will "be some big races, hopefully".
It is likely to include a return to the Spa 24 Hours in July, which clashed with the Ipswich SuperSprint in 2017.
Endurance Cup rounds at Paul Ricard in June and Barcelona's finale in late-September, along with two Sprint Cup events, are also free of conflict with Supercars dates.
"Spa and Ricard are free, and a couple of others," he said.
"All the big European races in GT you want to do, I can do.
"Hopefully I can still get something locked away."
Van Gisbergen's first GT outing of the year will come at Mount Panorama next month, when he tackles the Liqui-Moly Bathurst 12 Hour in a YNA Autosport McLaren with Supercars team-mate Craig Lowndes and factory driver Come Ledogar.
The 28-year-old Kiwi won the race in a McLaren in 2016 with Tekno Autosports, alongside team owner Jonathon Webb and Alvaro Parente.


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Brewster Conservation Trust is responsible for over 1300 acres of land in Brewster. Our stewardship includes preserving the land for conservation, protection of natural habitat, and creating passive recreation opportunities for the community. Click here you would like to learn more about volunteering with BCT's Land Stewardship program.
Clearing properties under N Star power lines: The BCT Land Stewards cleared difficult-to-remove scrub pine and oak trees under the power lines at two locations in order to preclude NStar utility company (now Eversource Energy) from using herbicides in these natural areas of Brewster. One property was a newly acquired tract off Earthbound Cartway in west Brewster; the other was part of a two-acre parcel in east Brewster that abuts the 450-acre main well field for the town of Orleans.
Eddy Bay Trail and Historic Site: In a effort to create a path for the public to enjoy this spectacular view of the Cape Cod Bay in Brewster, the BCT Land Stewards cleared a 1-mile walking trail on this 30 acre site. Part of this effort uncovered an historic stonewall believed to be the foundation of a house and later cranberry shed used by early Brewster families, the Hassards and later the Thorndikes in the late 1800s.
The Importance of Meadows: As open lands become forested, meadowland habitat for pollinators (bees and butterflies) and habitat for small animals is lost. BCT's land stewards are restoring meadows by removing invasive non-native plants and periodic mowing.


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Original Military Medals
Authentic German Artifacts From The World War 2 Era
NSDAP Long Service Buttonaire with War Merit and Early Combat
Item #: v2050
Click on an image to enlarge
This is a nice piece. It is the buttonaire device that was worn by a soldier in the German army. This would have been worn after receiving the 25 year long service medal from the Nazi Party which is what the blue ribbon with the cross signifies. The middle piece is for the War Merit Cross with swords and the other side it for the World War 1 Combat service medal. It still has the metal button on the reverse. The piece displays quite well.
Shipping Weight: 0.3 lb$39.00 USD


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Wise Solutions for Styles Human body and Heart and soul
Wise Solutions for Styles Human body and Heart and soul
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Outside Air
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Are you aware of that individuals who reside in hill zones, next to the stream, or water have better lifespan than anybody else? In case you are surviving in a town, you could have no difficulty with clean air. The same transpires if another person exists in close proximity to a woodland. But things you should do when someone resides within a huge region?
1.Visit area.This can be a quickest along with the most banal method to inhale and exhale air. Unquestionably, you may be also hectic to check out a area. Do not http://essay-checker.net/article-rewriter you possess saturdays and sundays? Make use of your time shrewd. Complete your system with strength and daily life. It can be a massive error to consider you have plenty of time for running. The list of labor ability will depend on a large number of components.
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3.Use vocations and days and nights from when planning on taking a gasp of inhale. Select a good section and go there. Ordinarily this kind of set you can uncover in america. Do you psyche inhaling and exhaling outside air? Bring buddies for sensation convenient. Enjoy and get a lean body as well.
When anyone helps to make the fitness of air inside of a household superior, he increases the ambiance and cognitive declare.So, it truly is vital not merely for shape nevertheless for spirit.
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Meals and Drinks
Foodstuff and beverages are needed reasons which outcome possibly absolutely or badly kinds body system. Go for great impression.Slow up the taking of useless solutions. It is usually as hard as to choose a fantastic unique creating support online. Several of them are way too highly-priced, but perform not participate in this type of providers. Because of this, in the event you will say, Compose me essay for less money, we shall practice it along with a superb fulfillment.
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The condition of a body system affects the state a head. You will discover a significant dependency between the two. Try to eat great foodstuff to be fantastic feeling.
Activity and Physical exercises
Exercise routines deliver calmness to kinds heart and soul and durability to someones shape.
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3.Take a move regularly. Have you got complications with a backside? Stroll daily no less than one 60 minutes.If somebodys throat is painful, he needs to lay down on your waist also to think a create of the sail boat. Relax in this situation for starters-3 a few minutes.
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Look for what you will get when you sacrifice a piece and make sure it's worthwhile. Sometimes taking a big loss can actually help you make a big gain. Tax-loss harvesting is a similar tactic in investing. Listen to this podcast to learn what tax-loss harvesting is and why it may be helpful.
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