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The main benefit of a VPN is that it increases your online security. Normally, when you use the internet, your Internet Service Provider (ISP), network administrators, and possibly even the government can see exactly what you're doing. However, VPNs encrypt your traffic, rendering it unreadable and allowing you to browse privately, without worrying about having your activities being traced back to you.
Most well-known streaming services are regionally restricted. This means that they detect your IP address and if it doesn't come from a country within the allocated broadcast area, you'll be prevented from using the service. VPNs enable you to connect via intermediary servers all over the world. In doing so, you're automatically assigned a region-specific IP address, allowing you to access your usual services from abroad.
We get into a lot of detail on each of the VPNs we feature below, but if you only have time for a quick glance, here is our list of the best VPNs for getting a Swiss IP address:
- ExpressVPN Our first choice for a Swiss IP address! Operates fast servers in Switzerland that are secure and private. Includes 30-day Money back guarantee.
- NordVPN Best budget option. Plenty of servers in Switzerland, great at getting around geo-restrictions. Secure apps.
- CyberGhost Great for novices. Apps are easy to install and use which makes this a beginner-friendly choice.
- IPVanish Works well with Android based streaming devices like Kodi. Allows 10 connected devices.
- PrivateVPN Smaller network but great at unblocking most streaming sites like Netflix and Hulu.
How to get a Swiss IP address
Even if you've never used a VPN, it's fairly simple to bypass regional blocking and access whatever you like online:
- Begin by choosing a suitable VPN provider (we recommend ExpressVPN).
- Next, download and install the software, making sure you get the relevant app for your operating system.
- Connect to one of your service's Swiss servers.
- Try loading a geo-blocked Swiss website. If you still can't access it, clear your browser's cache and cookies before refreshing the page.
If you intend to watch a live event, we strongly recommend performing the steps above before it begins. This ensures that if you encounter any problems, you'll still have time to get help from your VPN's customer support team.
How to get a free VPN for a month
GET A PAID VPN FOR FREE: Only need short-term VPN coverage? Perhaps you're going on vacation or just want to watch one specific event? In these situations, you can take advantage of ExpressVPN's 30-day money-back guarantee. Upfront payment is required, but you can cancel at any point within 30 days to claim a full refund, effectively giving you free VPN access.
Best VPNs for getting an IP address from Switzerland
Choosing a VPN can be difficult. After all, there are hundreds of services out there, with more arriving all the time. To find the best services for getting a Swiss IP address, we looked for those meeting the criteria below:
- Has servers in Switzerland
- Provides consistent, high-speed connections
- Uses powerful encryption and offers additional security features
- Comes with apps for all the most popular operating systems
- Doesn't log any information that could identify you
Read on to see our top VPNs for obtaining Swiss IP addresses:
1. ExpressVPN
Apps Available:
- Mac
- Android
- Linux
Website: www.ExpressVPN.com
Money-back guarantee: 30 DAYS
ExpressVPN currently has more than 3,000 servers spread across 94 different countries, including Switzerland. It's exceptionally good at bypassing geo-restrictions, so you'll even be able to stream content from notoriously stubborn platforms like Netflix US and Amazon Prime Video. Best of all, this service is fast enough to stream live HD (or even 4K) video without any interruptions.
It guarantees your privacy with 256-bit encryption, a kill switch (desktop versions only), perfect forward secrecy, and protection against DNS and IPv6 leaks. Security-conscious users will appreciate that they can pay with Bitcoin, but as ExpressVPN doesn't log any personally identifiable information, there's no risk of you being tracked either way. Need help? Customer support is available 24/7 over live chat.
ExpressVPN apps are available for Windows, MacOS, Android, iOS, and Linux. This VPN has custom firmware to simplify the process of installing it on a router.
- Fast, secure connections
- Strong unblocking ability
- Wide server network
- 30-day money-back guarantee
- Slightly more expensive than other providers
BEST VPN FOR SWITZERLAND:ExpressVPN is our first choice It's fast, secure, and great at unblocking geo-blocked services from abroad. Try it risk-free with the 30 day money back guarantee.
Read our full ExpressVPN review.
2. NordVPN
Apps Available:
- Mac
- Android
- Linux
Website: www.NordVPN.com
Money-back guarantee: 30 DAYS
NordVPN has one of the largest server networks of any service we've tested. There are more than 5,700 servers to choose from (with 113 in Switzerland alone), covering 60 countries. It enables you to stream HD video with no issues and can unblock popular services like Netflix US, BBC iPlayer, and Amazon Prime Video. Six simultaneous connections are permitted so you can protect all of your most commonly-used devices with a single account.
This VPN gives you the freedom to perfectly tailor your security setup. It features 256-bit AES encryption, a program-specific kill switch, an ad-blocker, malware-scanner, and protection against WebRTC, IPv6, port forwarding, and DNS leaks. Further, it helps users easily access Tor over a VPN or use two VPNs at once. NordVPN does not log any information that could identify you, and accepts Bitcoin payments. Support staff are available to help 24/7 via live chat.
This provider offers apps for Windows, MacOS, Linux, Android, and iOS. It can be manually installed on select wireless routers.
- Plenty of options for advanced users
- Fast enough for HD streaming
- Great at unblocking popular services
- High number of Swiss servers
- Server connection takes slightly longer than some of its rivals
BEST BUDGET VPN:NordVPN is inexpensive, versatile, and fast, and offers enough advanced options to keep experienced users happy without isolating novices. Includes 30 day money back guarantee.
Read our full NordVPN review.
3. CyberGhost
Apps Available:
- Mac
- Android
- Linux
Website: www.Cyberghost.com
Money-back guarantee: 45 DAYS
CyberGhost has more than 5,700 high-speed servers across 90 countries (including 150 in Switzerland). It's designed for novice users, and accordingly, is extremely simple to use: you can even see pertinent information about each server including its current load and which service it's designed to unblock. With up to seven simultaneous connections allowed, CyberGhost lets you browse and stream safely from whichever device you prefer.
This service has an always-on kill switch designed to keep you safe at all times. It uses 256-bit encryption and IPv6 and DNS leak protection, and provides automatic ad and malware-blocking. CyberGhost doesn't log any personally identifiable information but you can pay with Bitcoin for added anonymity. Live chat is available 24/7 in case of any problems.
CyberGhost offers apps for MacOS, Linux, Android, Windows, and iOS. It works on select network routers after manual configuration.
- Very fast
- Minimal configuration required
- Kill switch on every platform
- Anonymous sign up possible
- Doesn't work in China or the UAE
GOOD VALUE VPN:CyberGhost is another low-cost VPN that offers high speeds, strong unblocking capability, and a high number of simultaneous connections. Includes 45 day money back guarantee.
Read our full CyberGhost review.
4. IPVanish
Apps Available:
- Mac
- Android
- Linux
Website: www.IPVanish.com
Money-back guarantee: 30 DAYS
IPVanish has more than 1,300 servers worldwide, spanning over 75 locations in 60 countries, including 9 servers in Zurich, Switzerland. This is a VPN with a lot to offer: lightweight apps for the most popular platforms, speeds fast enough for uninterrupted HD streaming, and excellent security. IPVanish even allows you to connect up to ten devices at once, whereas most other services allow between three and six.
This VPN uses 256-bit encryption, DNS and IPv6 leak protection, and a kill switch (in desktop apps) to keep your activities private at all times. It also offers more advanced security features such as local connection blocking, OpenVPN traffic obfuscation, and the option to regularly change your IP address at predetermined intervals. IPVanish doesn't log any information that could identify you.
Apps are available for Windows, MacOS, Android, and iOS, and Linux and some routers can be configured manually.
- Very lightweight apps
- High-speed connections
- 10 connections allowed
- Struggles to unblock platforms with stubborn geo-restriction
- Users can't register anonymously
COMPREHENSIVE SECURITY:IPVanish is a fast, secure service that allows you to protect all of your household's devices at once. 7 day money back guarantee included
Read our full IPVanish review.
5. PrivateVPN
Apps Available:
- Mac
- Android
- Linux
Website: www.PrivateVPN.com
Money-back guarantee: 30 DAYS
PrivateVPN has a smaller network than many of its rivals (less than 90 servers catering to 59 countries), but it does offer 2 servers in Zurich with excellent speeds. Further, this VPN has great unblocking capabilities meaning you'll be able to stream content from the Swiss Netflix library, Amazon Prime Video, and Watchbox from wherever you are in the world.
This service includes 256-bit encryption and protection against DNS, IPv6, and WebRTC leaks by default. It keeps no logs, but if you'd like extra peace of mind, you can sign up almost completely anonymously using Bitcoin and a throwaway email address. Although support is primarily given via email, the staff are very helpful and can even remotely install the software for you.
Mobile apps are available for Android and iOS, and desktop clients are provided for Windows and MacOS. Linux and some routers can be configured manually.
- No logs kept
- Very fast, reliable connections
- Able to unblock many popular sites and services
- Doesn't offer support via live chat
- Limited network size
GREAT FOR STREAMING:PrivateVPN is a versatile, reliable service with better-than-average speeds and a strong commitment to maintaining your privacy. Includes 30 day money back guarantee.
Read our full PrivateVPN review.
Can I get a Swiss IP with a free VPN?
While free VPNs can be appealing at first glance, we advise against using one. These services tend to have fairly small server networks, yet more users than most paid VPNs. As a result, you're likely to experience very slow speeds, long buffering times, frequent pauses, and perhaps even disconnection from the VPN. Further, streaming platforms regularly improve their geo-restriction measures, and whereas paid services usually have the resources to find a workaround shortly after, free VPNs typically don't.
Like any other business, a free VPN is designed to make money, even though the user doesn't pay upfront. Most of the time, you'll notice ads have been inserted into the pages you visit, which is nothing new. The problem is that these ones are often very large, distracting, and obnoxious. Additionally, some services use tracking cookies to collect information about your browsing activity. This can then be compiled into a consumer profile and sold to third parties later without your knowledge.
Unfortunately, hackers are tailoring their approaches to capitalize on your desire to stay safe. In fact, a 2016 survey of 283 free VPN apps showed that 37% contained malware. Equally troubling is the fact that 18% of the uninfected apps never used any encryption, essentially leaving you no better off than browsing unprotected. Even well-known free VPNs come with risks, as we found out when Hola was caught facilitating a botnet with idle user bandwidth.
We recommend using a reputable VPN with a proven record of protecting its users' privacy instead.
See also: Best VPNs for Switzerland
Can I watch Swiss TV online with a VPN?
When you connect to a Swiss server, for all intents and purposes, you can use the internet as though you're actually in Switzerland. This means that you'll be able to access various streaming sites including Netflix, Netzkino, Watchbox, and Hollystar from anywhere.
However, unless you already have an account, you will still have to sign up, which can present some problems. For instance, if you currently live outside Switzerland and the service only accepts Swiss payment methods or requires you to enter a Swiss address, you may not be able to register.
Why else might I need an IP address from Switzerland?
Have you ever received an email warning you that your account has been accessed from a different country? All kinds of services use these automated alerts to warn you when they believe your account has been accessed without your knowledge. The problem is that if you log in to your online banking service when on vacation, for instance, you could find yourself unable to move funds until you've verified that you are who you claim to be.
On the other hand, if you normally live in Switzerland and use a Swiss IP when logging in to these services, they likely won't notice that you're abroad.
When traveling, you'll likely use public wifi from time to time. These networks often block specific websites, and may expose your activities to monitoring by hackers or other snoopers. By using a VPN, you can reap the benefits of publicly accessible networks while keeping your privacy intact.
Which sites are blocked in Switzerland?
Switzerland doesn't actually block much online content. That said, in June 2018, the public voted to block access to gambling and gaming sites that are based outside of Switzerland. The value of this blanket restriction is questionable at best, considering the ease with which VPNs can bypass country-specific blocking and widespread access to privacy tools such as Tor.
- 1 How to get a Swiss IP address
- 2 How to get a free VPN for a month
- 3 Best VPNs for getting an IP address from Switzerland
- 4 1. ExpressVPN
- 5 2. NordVPN
- 6 3. CyberGhost
- 7 4. IPVanish
- 8 5. PrivateVPN
- 9 Can I get a Swiss IP with a free VPN?
- 10 Can I watch Swiss TV online with a VPN?
- 11 Why else might I need an IP address from Switzerland?
- 12 Which sites are blocked in Switzerland?


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Photo: Fruit market in the streets of Cusco, a town in the Peruvian Andes.
Peru is home to one of the great cuisines of the world, but many people only know its seafood and coastal influences. Chef Martin Morales just wrote a cookbook called Andina, in which he says you have to go a little higher than sea level to get to the soul of Peruvian food. He talked with Francis Lam about the culinary importance of the Andes Mountains. He also shared a recipe for Quinoa & Cheese Pudding (Pesque de Quinna).
Francis Lam: Your first book is called Ceviche. You have a popular restaurant based on ceviche. The dish probably most associated with Peruvian cuisine around the world is ceviche, which is fish, so probably coastal. But you say that the highlands of the Andes are where you find the heart of Peruvian food. Why?
Martin Morales: Around the world, the few or the many people that know about Peruvian food know it as an introduction to Peruvian food, which is based on coastal cuisine. That's based on indigenous cuisine influence, but certainly also from the migration of the last 500 years from Spanish, Italian, Chinese, Japanese, and African people, all of which has created a beautiful explosion of what is Peruvian food. But the origins lie in our indigenous cuisine that date back thousands of years before the land known now as Peru was not called that, to the Andean regions that not only stretch from the top and the bottom of Peru, but to other countries north and south of Peru.
Certainly, in the Andes of Peru and the other regions of the Andes, there's a wealth of ingredients, a wealth of dishes, cooking techniques, and, for me, that is the heart of our cuisine. Without that, we're much poorer gastronomically. I also think it's important to pay credit to the history, legacy and people that still support that in the Andes of Peru: growers, chefs, the picanteras, as I call them, the women chefs at these wonderful family-run picantería restaurants, which uphold the tradition of dishes that are sometimes 50 or 100 years old, sometimes they are 500 or 1,000 years old.
FL: What would you say are some of the defining aspects of Andean cooking?
MM: I think the fascinating thing about Andean cuisine within Peruvian cuisine is we have been zero waste, organic, nose-to-tail, farm-to-table for thousands of years. It's not fashion, trend, or hip; it's just something that we are. That is a defining legacy. That is history. And that is good for the world.
Of course, there's also ingredients that define us. You might know we are one of the major homes in the world for potatoes and for different types of corn, grains and seeds like quinoa, amaranth, maca, kiwicha, and canihua.
There are different types of chilies that are native to the Andes of Peru, whether it's amarillo chili, which many people have come to discover through Peruvian food, or limo chili, panca chili, or a smoked chili. In Mexico they have chipotle, in Peru we have panca chili. It's different, it's smoky, it's delicious.
There are also fruits and vegetables like lucuma. You go to any health food shop in the U.S., the U.K. and France, and if you ask for lucuma, you get lucuma powder. We grow it fresh; it's native to Peru. It tastes like butterscotch and it's high in nutrients. And there are different types of corns, as well as different herbs, other fruits.
And also techniques. We have pachamanca, which is cooking underground. There are different ways of fermenting and different ways of drying as well, which are unique to the Andes of Peru.
Martin Morales
Photo: Luisa Dorr
FL: The Andes of Peru are the spiritual home of potatoes, right? This is where potatoes come from?
MM: That's what people say.
FL: What are some of the things that you do with potatoes?
MM: Apart from juggling them? No, I'm kidding. We use them a lot in something called causa. Causa, which translated means "the cause." Causa is a bit like a potato salad. We flavor a mashed potato with chilies, lime juice, different ingredients, and use that as a base. Like people use bread or a bun or a piece of toast, we use that as a base and add toppings. The word causa, the actual dish, and its origins are fascinating. The origins of the dish come from a war that we had with our southern neighbors. There was nothing left to eat on the front line for the Peruvian soldiers. Their wives only had potatoes and scraps of food. So, they created this cold dish with potatoes, added those scraps on top, and they presented that to the soldiers. They seasoned it beautifully with all their love and care. In their last final efforts of the battle, they said, "This is for the cause." That's how the dish was born, and that's one of the many different potato dishes that we have. The great thing about potatoes is the sheer variety. They say that in the world there are 3,500 varieties. They say that 2,500 varieties of those come from Peru, from the native land of the Andes of Peru.
FL: Let me ask you about someone you write about in the book because I'm fascinated by her story. There's a woman that you introduce to us named Feli. Tell us about her.
MM: I was born into a lower-middle class father's family from the U.K., and a lower-middle class, working class, or peasant kind of family in Peru who was Andean. I grew up in Lima in what would be described as a privileged lifestyle because the extremes between rich and poor are huge in Peru; even if you have a little bit of money, you're considered pretty wealthy. Life is tough, and people have to work. We were lucky enough to have a housekeeper that could live with and cook for us at times, or stay over some days a week. But that also meant that, in a way, I was abandoned by my mother because she had to work and be elsewhere. And many people might say, "It's a privilege that you have a helping hand." And in a way, I can't argue with that; I was lucky to have that. But in another way, it was sad that that my mother wasn't closer to me and be with me more from a very young age.
Feli was the person who took a role of a second mother. She was an Inca lady, an indigenous lady from an Andean region called Huancavelica. Her legs were thick and strong, and her arms were big and muscly, she had black hair, and she had the warmest smile. In effect, she was a housekeeper, but she was also a mother. She cooked for me from a very young age, and I grew attached to her through the years. Huancavelica is a region that has been destroyed by mining and terrorism, and we felt that destruction through the stories that Feli told me and through the stories that Feli lived even while she was working with us.
I talk about her in my book because she was not only an influence in terms of my care and the love I received from her, but also in terms of my culinary influences. She was the first person that taught me how to cook a boiled egg, which was the first thing I cooked. She taught me how to cook basic Peruvian dishes. I had to leave Peru because my father was threatened by the Shining Path guerrillas for being English, and for working for an American company. He wasn't a politician, he didn't care about politics, and we weren't a wealthy family by any means. But because he had a senior role in an American company in Lima in the mid-1980s, they threatened him. We had to leave because it was horrible living in the destruction and the violence that Peru was suffering at the time. It's a whole different world now. It's an incredible, flourishing, exciting, safe country now, but back then it was, it was dangerous. We lived under armed guard for a year, and then my family said, "Enough's enough." So, I came to the U.K. and I lost my surfing, because I was in love with surfing. I lost my love for the coast and my love for the Andes. I lost my cuisine and my dishes, my treats, my friends, and some family members of course. But, I also lost Feli. I didn't lose her in terms of communication; we've always kept in touch. For the last 30 years, whenever I've travelled to Peru I go and see her. I stay with her, and we cook and reminisce. I owe her a great deal.
FL: That's lovely, chef. Thank you so much for sharing that story with us. When I read about her in the book, I had noticed the part where you said there were dishes that she told you about when you were young that you never actually got to eat with her, that she never cooked for you. What an incredible feeling it must be now to be able to cook those dishes for her. Thank you so much for sharing that.
MM: My pleasure. Thank you very much for having me. I hope to serve you some delicious dishes if you're ever dropping by London.
Each week, The Splendid Table brings you stories that expand your world view, inspire you to try something new, and show how food brings us together. We rely on you to do this. You have the power to keep us cooking, sharing these stories, and helping you in the kitchen.
Donate today for as little as $5.00 a month. Your gift only takes a few minutes and has a lasting impact on The Splendid Table.
Francis Lam is the host of The Splendid Table. He is the former Eat columnist for The New York Times Magazine and is Editor-at-Large at Clarkson Potter. He graduated first in his class at the Culinary Institute of America and has written for numerous publications. Lam lives with his family in New York City.

subset: commoncrawl


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Many women have complained about the weight gain caused by Mirena. Some women indeed gain weight because of IUDs. This is one of the main reasons that they have had removed it from their bodies. Everyone has their priority. To some women, looks are more important than stopping pregnancy and periods. And that's a fact that you can lose weight efficiently after removing IUD. Lets discuss weight loss after mirena removal.
How to lose weight after removing Mirena
Losing weight after Mirenaremoval is very easy. Some women even get quick weight loss after Mirena removal. Reducing 10lbs is common within many women. But if you don't, then no worries. We have a very simple solution for you.
Consult a doctor
The first thing you need to do is to schedule an appointment with a doctor. Weight gain can be caused by hormonal changes, pregnancy, and medical conditions. So go to a doctor to evaluate your hormonal and reproductive health. Understand the main cause of your weight gain. So you can help your body to fix it.
Exercise is the most effective way to reduce fats. Plus it makes you active. So, schedule an exercise program to burn the extra calories. Try to exercise for 30 to 45 minutes. You can do running, crunches, squats, bridges, rope jumping, and many more exercises. Heavy exercises like planks, mountain climbing also help you to reduce weight. A walk in the morning will also assist you amazingly. Do 8 to 10 different exercises. Try to do it for 4 days a week.
Strength Training
Perform some strength training exercises especially before going to bed. Do it for at least 2 days a week. It's going to be enough for you. Plus it will help you build some muscle mass. You can do push-ups, pull-ups, and weight lifting. Try to 12 to 15 reps per each exercise.
Healthy Diet
Eat a proper and healthy diet. Don't try to miss the meals. But try to avoid extra-calories and sugary things. Try to follow the below instructions:
- Drink more water.
- Try to eat fruits and vegetables as much as you can.
- Carry healthy snacks with you in case you feel hungry.
- Eat a very few chocolates and processed grains.
- Try to have a heavy healthful breakfast each morning.
- Don't drink sugary drinks or energy drinks.
- Take 30 to 40 steps just after eating a meal.
Try again
If you are not getting immediate results then don't get upset. Continue the above lifestyle changes. It takes a few menstrual cycles to take out all Mirena medication out of the system. It will take some time to get your body to be normal again. So don't lose hope and try again.
Read More: Ultra fast keto boost review
Minera has not mentioned the weight gain side effect in its consumer information. Studies about weight loss after Mirena removal 2019 show that only 10 out of 3 women have the weight gain issue. It is because everyone has a different physique. But if you are facing this problem, we've given you the best solution above. You can follow it and you'll see the result soon. Good luck!


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Contrary to claims, Virta has not "reversed diabetes".
Not tolerating carbohydrate is a pathology. If diabetes has been reversed, glucose tolerance should be restored. If glucose tolerance has not been restored, then LCHF is no different paradigmatically than symptom management with pharmacotherapy.
That disease reversal requires a test with carbohydrate does not imply that a high carbohydrate diet should be resumed for more than a few days, if a low-carbohydrate diet is the preferred means to achieve disease reversal.
That disease reversal requires a test with carbohydrate only implies that a brief demonstration of carbohydrate tolerance is necessary to demonstrate disease reversal.
A few days of carbohydrate at reasonable calorie intake will not compromise glucose tolerance if disease reversal has been achieved. If it does, then disease reversal has probably not been achieved.
Since Virta has not verified disease reversal in the manner explained above, it cannot be said that the Virta study has achieved reversal of diabetes. This is well-understood by the Virta scientists, and it is still unknown why their study has not incorporated this evaluation.


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Tuesday, July 17, 2018
Tamra Judge Gives An Update On Her Husband Eddie Judge's Health: "It's Been Really Difficult"
"It's been really difficult since we moved. Eddie had his first heart procedure the day after we moved in, so since we moved in, he's had a total of five heart procedures and he's still not doing great. And he's just taking it day by day," she told Bravo's The Daily Dish.
"We don't know what his outcome's going to be. He has a doctor's appointment next week to find out what the next step is. But he's actually, right now, worse than when he started out. He just had a heart procedure three weeks ago where they went in and cauterized his heart in 71 places and we thought that that was going to be the end. But now he's in the healing process and that sent him into what's called a flutter and his heart is just uncontrollable. And he's on all kind of medication: heart medication and beta blockers. And it's just really been difficult on pretty much all of us — more so on him."
As Tamra revealed during the premiere episode, Eddie is dealing with such an intense health crisis that it has really affected him as he continues to deal with an irregular heartbeat, also known as an arrhythmia.
"I think it's changed him in a lot of ways and he's never really had to deal with any medical issues," she said. "And to have to go through something like that, to rely on medication to survive basically right now, it's just really eye-opening to him. He's so calm now. Well, hes always been calm, but he's always been busy and on the go and he can't sit down. And now ... he has to take that time to just sit down and relax. And it's been life-changing for him."
Source/Photo Credit: Bravo
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Workers' Compensation Act, Decision of Industrial Accident Reviewing Board, Cancellation of insurance.
The reviewing board of the Department of Industrial Accidents correctly concluded that an insurer was liable for payments made to an injured employee from the Workers' Compensation Trust Fund, where the insurer's attempt to cancel a workers' compensation insurance policy issued to the employer was ineffectual under G. L. c. 175, s. 187C, given that the insurer, after the original notice of cancellation that it sent to the employer was returned as undeliverable, did not resend the notice to a second address contained in its records for the employer. [181-185]
APPEAL from a decision of the Industrial Accident Reviewing Board.
Paul M. Moretti for the insurer.
David A. Guberman, Assistant Attorney General, for Workers' Compensation Trust Fund.
COHEN, J. In this appeal from a decision of the reviewing board of the Department of Industrial Accidents (board), we consider whether All America Insurance Company (insurer) effectively canceled a voluntary policy of workers' compensation insurance issued to Dan's Paving and Excavating, Inc. (Dan's Paving). At issue is the insurer's liability for benefits awarded to a Dan's Paving employee, Kenneth G. Pillman (employee), who suffered an industrial injury subsequent to the attempted cancellation.
On the assumption that no policy was in force, the employee sought and obtained benefits under G. L. c. 152, §§ 34 and 35, from the Workers' Compensation Trust Fund (Trust Fund). The Trust Fund moved to add Dan's Paving to the proceedings, and
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Dan's Paving, in turn, moved to add the insurer. With these additional parties before him, an administrative judge conducted an evidentiary hearing with respect to the cancellation issue. [Note 1] The administrative judge determined that the attempted cancellation was ineffective, and in a split decision, the board affirmed his decision. Upon consideration of the insurer's appeal to this court, we agree that the policy was not effectively canceled and that the insurer is liable for any benefits paid to the employee.
Facts. We begin with a summary of the administrative judge's findings, supplemented by our own observations of the documents admitted in evidence and relied upon by the administrative judge in his decision. [Note 2] In 1999, the insurer issued a policy of workers' compensation insurance to Dan's Paving for the period August 23, 1999, to August 23, 2000. Thereafter, the insurer sought to cancel the policy, as of April 4, 2000, for nonpayment of premium. It did so by mailing a notice of cancellation, on March 20, 2000, to 39 Drake Road, Fitchburg, Massachusetts, as evidenced by a certificate of mailing receipt.
Before the policy was issued, the agent who produced the policy met with the principal of Dan's Paving, Michael McGane, at a different address -- 526 Electric Avenue, Fitchburg -- where Dan's Paving's operations were located. It was, however, the Drake Road address, which was McGane's residence address, that was given to the insurer as the mailing address for Dan's Paving. [Note 3] When the policy was issued, the Drake Road address appeared on page one of the policy's three-
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page declarations, which, collectively were entitled "INFORMATION PAGE -- NEW POLICY." The Drake Road address was listed as "ITEM 1" under the heading: "THE INSURED AND MAILING ADDRESS." Also listed under "ITEM 1" were the words "OTHER WORKPLACES NOT SHOWN ABOVE: SEE EXTENSION OF INFORMATION PAGE." The "EXTENSION OF INFORMATION PAGE ITEM #1" was located at page three of the declarations. There, beside the words "ADDNL" and "LOCATION NUMBER 002," the Electric Avenue address was listed.
The notice of cancellation was never received by Dan's Paving or McGane, who had moved his residence and had not given a new address to the insurer. Within a few days, the insurer's mailing was returned as undeliverable. [Note 4] The following notation was then made on the returned envelope: "4-6-00 -- Per comment on the CLP policy, agt. has no new address for the insured -- Did not re-send canc." The insurer made no attempt to resend the notice to the Electric Avenue address.
Decisions below. On the basis of the above facts, the administrative judge determined that the attempted cancellation was not effective, "as the insurer did not exercise due diligence." Although he did not identify any particular, supporting authority, he concluded that when the cancellation notice was returned, it was incumbent upon the insurer to mail a subsequent cancellation notice to the "additional address" listed in the policy. He therefore ruled that the policy remained in effect at the time of the employee's injury [Note 5] and provided coverage for any benefits he received.
On appeal, a majority of the reviewing board panel agreed
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with the result reached by the administrative judge, arriving at that conclusion by way of statutory analysis. The board opined that the operative cancellation statute was G. L. c. 175, § 187C, which generally governs the cancellation of insurance contracts in the Commonwealth when no other specific statute is applicable. [Note 6] After parsing the language of that statute, the board concluded that, when the notice was returned as undeliverable, the insurer was required to resend it to the other address contained in its records. [Note 7]
Discussion. We agree with the board that the insurer was required to comply with G. L. c. 175, § 187C, as amended through St. 1990, c. 287, § 2, in order to cancel the voluntary workers' compensation policy at issue in this case. That statute provides in relevant part:
"A company issuing any policy of insurance which is subject to cancellation by the company shall effect cancellation by serving the notice thereof provided by the policy and by paying or tendering, except as provided in this and the following section, the full return premium due thereunder in accordance with its terms without any deductions. Such notice and return premium, if any, shall be delivered in hand to the named insured, or be left at his last address as shown by the company's records or, if its records contain no such address, at his last business,
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residence or other address known to the company, or be forwarded to said address by first class mail, postage prepaid, and a notice left or forwarded, as aforesaid, shall be deemed a sufficient notice. No written notice of cancellation shall be deemed effective when mailed by the company unless the company obtains a certificate of mailing receipt from the United States Postal Service showing the name and address of the insured stated in the policy." [Note 8]
Tracking the language of the statute, the initial and overarching requirement is that the insurer must "serve notice" upon the insured. The statute then specifies the ways in which notice may be served: by delivery in hand to the named insured, by leaving it at the named insured's last address as shown by the company's records, or, if its records contain no such address, at the named insured's last business, residence, or other address known to the company. Alternatively, the statute permits notice to be forwarded by first class mail, postage prepaid, to "said address," i.e., the last address as shown by the company's records, or, if its records contain no such address, the named insured's last business, residence, or other address known to the company. If a notice is "left or forwarded, as aforesaid," it "shall be deemed a sufficient notice." [Note 9] G. L. c. 175, § 187C.
The insurer contends that it fulfilled the requirements of the statute by sending its notice to the Drake Road address, arguing that the Drake Road address was Dan's Paving's "last address as shown by the company's records." Contending that the sufficiency of a notice of cancellation must be determined as of the time of mailing, Liberty Ins. Co. v. Wolfe, 7 Mass. App. Ct. 263 , 265 (1979), the insurer maintains that the propriety of that notice was unaffected by the insurer's later knowledge that the address it used no longer was valid.
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Essential to the insurer's position is the premise that the "last address as shown by the company's records" means "mailing address," and the further premise that only the Drake Road address was Dan's Paving's mailing address (the Electric Avenue address being a "location address" and not a mailing address). For reasons that are somewhat different from those expressed by the board, we think this analysis is problematic and conclude that the insurer did not satisfy the statutory requirements for canceling the policy.
"[I]n construing a statute, its words must be given their plain and ordinary meaning according to the approved usage of language." Taylor's Case, 44 Mass. App. Ct. 495 , 499 (1998), quoting from Johnson's Case, 318 Mass. 741 , 746-747 (1945). In ordinary parlance, the word "last" means "most up-to-date" -- and the word "address" means "a place where a person or organization may be communicated with." Merriam-Webster's Collegiate Dictionary 15, 702 (11th ed. 2005). Therefore, a reasonable reading of the statute is that an insurer attempting to cancel a policy of insurance must send notice to the most up-to-date place where the insured might be reached as contained in the insurer's records, i.e., the "last address."
If, as reflected by the written terms of the policy, the insurer and the insured plainly have agreed to a particular, designated address for communications to the insured, there is some practical force to the insurer's position that the designated address should be considered to be the "last address as shown by the company's records." [Note 10] If, however, the insurer's records contain more than one address and the policy does not clearly identify the place where notices will be sent, then all addresses in the company's records potentially fall within the statutory category of "last address." In such a case, we think it is not sufficient
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under the statute for the insurer to send notice to only one such address and, after learning that the address utilized no longer is valid, to ignore other such addresses in its possession.
In the present case, the policy documents before us are equivocal, at best, as to the intended purposes of the two listed addresses. [Note 11] Both the Drake Road and Electric Avenue addresses appear in the declarations, albeit on different pages, as part of "ITEM 1," under the general heading entitled, "THE INSURED AND MAILING ADDRESS." Thus both may be said to be mailing addresses. Similarly, both the Drake Road and Electric Avenue addresses also may be said to be location addresses. The Electric Avenue address is listed as "OTHER WORKPLACE[] NOT SHOWN ABOVE," thus implying that both it and the previously designated Drake Road address are workplace addresses. Moreover, the Electric Avenue address is described as an "ADDNL" location -- "LOCATION NUMBER 002." Inferentially, the Drake Road address is location number one. [Note 12]
Because the purposes for which the two addresses were listed in the policy cannot meaningfully be differentiated, the insurer, in effect, possessed two "last addresses" for Dan's Paving. That being so, when the insurer elected to send notice of cancellation only to the Drake Road address and later learned that this address no longer was viable, we think it then was required to send another notice to the alternative "last address" in its records.
The insurer expresses concern about potential situations where many addresses are listed in a policy. We think, however, that it is not an unreasonable application of the statute to require that, if the parties' agreement does not clearly and unambiguously identify the place where communications are to be sent to the insured, then the insurer must send another notice of cancellation if it learns that an earlier attempt at notice was ineffective, and there is another plausible mailing address contained in its records.
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Such an approach is in keeping with the statute's apparent purpose, as illustrated by the various alternative notification methods set out in its provisions. The statute plainly reflects the Legislature's appreciation of the serious consequences that may flow from the cancellation of an insurance policy. Even though the statute does not go so far as to require actual receipt by the insured as a condition of cancellation, the statute's manifest intent is to cause the insurer to make reasonable efforts to communicate to the insured that the protection afforded by the policy is about to be terminated.
In a case involving the attempted cancellation of a workers' compensation policy, it is particularly important to effectuate the statute's purpose, because of the essential role that insurance plays in the compensation process. See generally 9 Larson, Workers' Compensation Law § 150.03, at 150-17 (2006). Given the ramifications of cancellation upon the employer, the employees, the contributors to the Trust Fund, and the public at large, it is not too much to insist upon conscientious compliance with the statute. See Armstrong's Case, 47 Mass. App. Ct. 693 (1999) (strictly construing cancellation requirements applicable to assigned risk policies).
Conclusion. The decision of the board ordering that the insurer is liable under its policy for benefits owed to the employee is affirmed.
So ordered.
[Note 1] The administrative judge had previously allowed a motion to bifurcate the proceedings in order to resolve the coverage issue before hearing the remaining issues in the case.
[Note 2] These documents include only a short excerpt from the policy -- three sheets comprising the so-called "Information Page" or declarations. We do not know whether the printed terms of the policy were available to the administrative judge or the board; in any event, they are not contained in the appellate record. As no one has called to our attention any potentially relevant language in the policy text, we must proceed on the assumption that none exists.
[Note 3] How this came to pass was in dispute. The agent testified that, after calling Dan's Paving to solicit its business, he met with McGane at the Electric Avenue address. He recalled that Dan's Paving's old policy -- the one in effect before he became involved -- listed the Drake Road address as the mailing address for the insured. He believed that he confirmed with McGane that he wished to keep that mailing address, and that he also confirmed the "location address" at Electric Avenue. McGane testified to the contrary -- stating that he informed the agent that the Electric Avenue address was to be used for billing, as was his custom. This testimonial conflict was not resolved by the administrative judge.
[Note 4] The envelope bore a stamp indicating that forwarding had expired.
[Note 5] The injury did not occur until October 6, 2000, which was a little more than one month after the policy period would have expired. The insurer does not dispute, however, that the policy would have continued in effect beyond the policy period, absent proper cancellation or notice of termination on its expiration date. See Frost v. David C. Wells Ins. Agency, Inc., 14 Mass. App. Ct. 305 , 306-309 (1982) (construing G. L. c. 152, § 63).
[Note 6] Under the board's precedents, G. L. c. 175, § 187C, applies to the cancellation of workers' compensation policies written on a voluntary basis, requiring that notice of cancellation of such policies be given to the insured employer. See Martinez v. Northbound Train, Inc., 18 Mass. Workers' Comp. Rep. 294, 302-303 (2004), and cases cited. This requirement augments that specified in the workers' compensation act, G. L. c. 152, § 63, which provides that notice of cancellation must be given to the rating organization authorized by G. L. c. 152, § 52. See, e.g., Fontaine v. Evergreen Constr. Co., 13 Mass. Workers' Comp. Rep. 62, 65-66 (1999); Dembitzski v. Metro Flooring, Inc., 13 Mass. Workers' Comp. Rep. 348, 354-355 (1999). See also Trudeau's Case, 280 Mass. 429 (1932) (applying a related section, G. L. c. 175, § 187D, in workers' compensation cases). In cases involving assigned risk policies, the board, construing G. L. c. 152, § 65B, requires that the employer receive the cancellation notice. See Martinez v. Northbound Train, Inc., 18 Mass. Workers' Comp. Rep. at 303 n.7.
[Note 7] The dissenting board member would have reversed on the ground that the statute's requirements were fulfilled when the insurer mailed the notice of cancellation to "the name and address of the insured stated in the policy" and obtained a confirmatory certificate of mailing.
[Note 8] We note that no issue is presented with respect to the tender of any return premium. Although the Trust Fund previously raised such an argument, it no longer presses it.
[Note 9] The statute provides further that notice is ineffective unless the company obtains a certificate of mailing receipt showing the name and address of the insured stated in the policy. As the administrative judge found, the company did, in fact, obtain such a certificate. That does not end the inquiry, however. Obtaining a certificate of mailing does not satisfy the statute if the notice is not otherwise compliant.
[Note 10] A consequence of reading the statute in this way is that, even if a cancellation notice sent to that address is returned as undeliverable, the insurer will have served notice in accordance with the statute, assuming that the insurer did not know at the time of mailing that the address no longer was valid. If the insurer did know at the time of mailing that the agreed-to mailing address no longer was valid, then its records would not have contained the insured's "last address." The insurer then would have been required to resort to the insured's "last business, residence or other address known to the company" in order to satisfy the third clause of the second sentence of § 175C.
[Note 11] Again, we note that the record does not contain a complete copy of the policy.
[Note 12] As previously noted, there was conflicting testimony at the hearing below, unresolved by the administrative judge, concerning discussions between McGane and the agent about the mailing address for Dan's Paving. See note 3, supra.


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Last updated on October 13, 2014
So the office is having a chili cook-off. When I started looking around for recipes I had no idea that it had originated in Texas, according to the authors of the New Basics Cookbook. Of course, I suspect this may have more of a regional story to it like Wor Su Gai and Chicken & Waffles. And of course there's always Cincinnati chili.
With a desire to make some small lifestyle changes, and a little inspiration from a vegan coworker, I decided to make a vegetarian chili with a Texas twist… lots of chili peppers. I wanted Hatch from Central Market on Lovers Lane but, alas, procrastination and a demanding week derailed those plans.
I doubt it will take a prize but it was a fun and healthy project for Sunday.
Following is an adapted version of The New Basics Cookbook "Vegetable Chili."
- 3/4 cup olive oil
- 3 zucchini, cut into 1/2″ dice
- 2 onions, cut into 1/2″ dice
- 4 cloves garlic, finely chopped
- 3 red bell peppers, cut into 1/4″ dice
- 1 lbs. Mixed peppers (poblano, anaheim and jalapeño)
- 1 can (35 oz) Itl. plum tomatoes (no salt added)
- 1.5 lb. Roma tomatoes, diced
- 2 tbl. chili powder
- 1 tbl. ground cumin
- 1 tbl. dried basil
- 1 tbl. dried oregano
- 2 tsp. freshly ground black pepper
- 1 tsp. salt
- 1/2 cup chopped fresh flat leaf parsley
- 1 cup canned dark red kidney beans
- 1 cup canned chick peas
- 1/2 cup fresh dill
- 2 tablespoons fresh lemon juice
For the non-vegans:
- 1 cup sour cream
- 2 cups grated Monterey Jack
- 4 scallions
- Heat 1/4 cup of the oil in a large skillet over medium heat. Add the zucchini and sauté until just tender, 5 to 7 minutes. Transfer the zucchini using slotted spoon to a large flameproof casserole or Dutch oven.
- Add the onions, garlic, and bell peppers into the pan with the remaining zucchini oil. Sauté until just wilted, about 10 minutes. Transfer the mixture to the casserole, along with the oil remaining in the skillet.
- Using 1/3 of the Roma tomatoes and a few peppers, puree then pour into the Dutch oven mix. Gives it a nice textural boost and pop of flavor.
- Place the casserole over low heat. Add the canned tomatoes and their juice, the fresh tomatoes, chili powder, cumin, basil, oregano, pepper, salt, fennel seeds, and parsley. Cook, uncovered, stirring often, for 30 minutes.
- Sautee the mixed peppers in the remaining 1/4 cup oil for 5 minutes until just al dente then pour the pan contents into the Dutch oven mix.
- Stir in the kidney beans, chick peas, dill and lemon juice; cook for another 15 minutes. Stir well, and adjust the seasonings to taste. Serve with bowls of sour cream, grated cheese and sliced scallions alongside.


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Last week I finished off the last two customs of the batch *yay*
Of course that simply means we are starting over with a new batch (more about them later).
First up is a blanket appaloosa that I had planned to finish in time for Amazing Amarillo AR & AC Live. But as with all things model horse that didn't exactly go to plan.
Named Bitter Glass he is a Horsing Around Flaxley resin.
He has been painted to a bay blanket spotted (appaloosa) pony. He would make a lovely little riding pony.
His base is done in airbrushed acrylics (I use the Games Workshop range). He has had details added in hand painted acrylics, the blanket took many many layers!
Using an old damaged brush is great for creating the splodging effect of white around the outside of the blanket and over the body. You can also dab it into some white paint and then some pink pastel to create a good mottling effect.
The final details were done in hand painted acrylics and with pencilling for the hoof detail. I would have liked more mapping around the spots I think and a smoother finish to the blanket. But nothing is ever perfect...
He is for sale at: http://www.chestnutridge.co.uk/bitter-glass-35731-p.asp
Next up is a little mini whinnie.
This little guy has been painted to a palomino minimal splash.
He has been named Black and Gold and his base coat was done with air brushed acrylics.
His shading was done in pastels and then he was sealed with several layers of Games Workshop Purity Seal before I started on his white markings.
The white markings were all done in hand painted acrylics and he was finished off with pink pastel around the nose and a bit of yellow pastel in the tail. All of his details were then done in hand painted acrylics with some pencilling on the hooves.
He is for sale at: http://www.chestnutridge.co.uk/black-and-gold-35740-p.asp
Now I promised some talk of the next batch!
I've already mentioned a bit about who we are using and what we are doing but here is the low down and links to their reference pictures.
Horse 1 - Number one is a Schleich Hanoverian stallion. He is being done to an interesting chestnut with white markings (thought to be caused by fungal infection). His reference can be found here: http://equinetapestry.com/wp-content/uploads/2011/11/needymare11.jpg
Horse 2 - Number two is another Schleich this time the Dartmoor mare. She is being painted to a yellow dun. You can find her reference picture here: http://i159.photobucket.com/albums/t121/taliskeralbum/howard.jpg
Horse 3 - Number three is the third Schleich (having a bit of a Schleich frenzy). This one is the Knabstrupper foal. She will be painted to a yellow roan: http://www.outlawperformancehorses.com/assets/upload/boon%20sale%20pic%20010.jpg
However, I messed up on this one and thinking she was the yellow dun gave her a dorsal stripe! So she is now a sorta yellow dun roan? I dunno she looks kinda cute anyway!
Horse 4 - Number 4 is a Breyer Stablemate Athletic pony. She will be palomino sabino when finished. Her reference picture can be found here: http://horsezone.com.au/category/228/Palomino/listings/28572/Gorgeous-Palomino-Gelding-15hh-8yo.html#DQdlPTp2z1M1U0KB.97
Horse 5 - Number 5 is a teeny tiny Night Heather resin (I'll only have one left after this girl is done). She is going to be painted to a primitive (or wild) bay: https://40.media.tumblr.com/fb4fdac37fc581195d15f5615740ac6f/tumblr_inline_nmcef0PEQO1rsmrkk_500.jpg
So there we go, the last two of the old batch and the details of the next batch. Still can't believe I had such a blonde moment over the foal, but that said she does look quite nice and should finish up quite pretty even if she has sort of morphed into a bit of a cream dun (suppose she could be chestnut + cream + dun + roan).


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There was no deadline drama for the Tampa Bay Rays on Friday, as they tendered contracts to all four of their arbitration-eligible players: catcher Mike Zunino, outfielder Tommy Pham, infielder Matt Duffy and right-hander Chaz Roe were offered contracts.
Of the group, Pham is set for the biggest raise, projected to earn $4-million in 2019 by MLB Trade Rumors. Acquired from the Cardinals at last year's non-waiver Trade Deadline, Pham hit .343 BA/.448 OBP/.622 SLG/1.070 OPS with seven home runs across 39 games for Tampa Bay. The outfielder previously rejected a two-year, $4-million extension offer from St. Louis after his breakout 2017 season.
Zunino and Duffy are both arbitration-eligible for the second time. Zunino will take over as the club's primary backstop after being acquired from Seattle on November 8. He is slated to earn $4.2-million next season while he (20 homers) and Pham (21 homers) are expected to supply the bulk of the power on the current Rays' roster.
Roe, 32, is a journeyman whose projected salary sits in the $1.4-million range. The right-hander proved a reliable back-end reliever last season, posting a 3.58 ERA/4.04 FIP across 61 appearances.
According to Marc Topkin (Tampa Bay Times), the Rays are "considering high-end upgrades" to the current roster of youngsters, listing Noah Syndergaard, Paul Goldschmidt, and Nelson Cruz, among others, as potential options. With a new TV contract on the horizon, it would appear that the team's monetary resources far outshine those of past seasons, so multiple major upgrades should not be ruled out.
As we draw closer to the start of the 2019 Winter Meetings in Las Vegas, X-Rays Spex will post our Winter Meetings primer, breaking down who or what the team may be seeking this offseason. Be on the lookout for that by the weekend.
Frago: "Rays' Ybor stadium deal nears deadline with no agreement in sight"


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Whatever happened to old fashioned schools where everyone behaved themselves and never was held after for detention? I think those types of schools and students never existed as is shown by Janessa Brazil and her naughty stripping in the classroom. I wish there was a teacher or student that looked like her when I was in school, but we will just have to settle for this Brazilian model in the nude for now. Janessa is showing off her sweet golden booty in these pics so that us men can drool and pop boners in our pants. Are you scratching at the screen to touch her round ass and slide your finger between her check to feel her moist pussy? I for one would love to have some Brazilian model sex with this delicious treat.
No related posts.
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The Digital Bakery are thrilled to have made it to the finals of the Louth Business Awards, nominated in two categories.
- Best New Business Under 3 years
- Best Use of Internet Technology
The very best of luck to all other finalists and very well done to all who entered. The winners will be announced at the Dundalk Chamber of Commerce Annual Gala Dinner will take place on Saturday 14th November 2015 in the Carrickdale Hotel.
#LouthChat #LouthBusinessAwards15


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Crock pot (brand unknown) 52 ppm lead (probably safe).
Please see the pics of other crockpots that I have tested for more information. The toxicity level for an item intended for children is 90 ppm lead. Anything under 90 ppm lead is consider safe – also by European standards. So while it is upsetting that there is any lead – especially when it is possible to make things like this be completely lead free – by most standards this is considered safe and just a trace contaminant.
Tested with an XRF
For lead-free slow-cooker options click here.


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Leadership. Life's required course. There's no way out. We all have to learn to be leaders, within our own lives and sometimes, to lead others.
I live in a beautiful street, more like a country street, but it's in the middle of Dallas. The reasonable center of the world, where the tanrantella of East and tango of the West Coast settles into an easy waltz. It is where I can think.
I like to do that.
I have clients all over the world, and have done the most amazing things. Like the time I flew out into the Pacific to spend a couple of days on the aircraft carrier USS Nimitz. Or the time I spent working with dolphins teaching them language in Hawaii as part of a project with the US Navy and the U of Hawaii.
Or the times I was invited to ring the opening bell at Nasdaq.
Or the times John Cleese, Robert Duvall, or the Prince and Princess of Lichtenstein came to dinner. I really enjoy having a good time and watching amazing things happen in this world.
The magic and mysteries of creating a better world. Adventure. Exploring. Big Mammals. Being outdoors. Theatre. Films. Books. Laughing. Leadership. Understanding what makes us tick. Creativity. Art. Science. Learning.


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St. Patrick's Day is actually March 17, but the party has already started, and this morning, downtown will be filled with people coming out for the annual St. Patrick's Day Parade, one of the biggest celebrations in the country. And there are plenty of places to continue the party, as we noted in our Ten Best Places to Start Celebrating St. Patrick's Day in Denver.
Readers were quick to point out spots we missed. Where was the Blake Street Tavern? Scruffy Murphy's? Nallen's? (That one's "for the cool kids only," says one reader.) Says William:
Definitely a bullshit list. None of those places I would go to — many dbags.
Adds Liz:
The un-Irish ignorance of this list is a ludicrous joke.
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But one entry on the list won praise from Mark, who concludes:
Two words. Irish Snug.
By the way, the Irish Snug and the Colorado Department of Transportation are partnering today to help holiday drinkers "Know Their Limits." CDOT will be at the bar at 1201 East Colfax Avenue from 2 to 5 p.m. today, doing voluntary tests of drinkers' BAC levels, conducting field sobriety tests, and encouraging drinkers to know their limit and stay safe. Find out more here.


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Support your child in their homework, but do not act as a taskmaster. Provide them with a quiet place, supplies, encouragement, and occasional help—but it is their job to do the work. Homework is your youngster's responsibility, not yours. For more information on how to make homework a time of less stress and more progress please click here.
Homework habits
April 15, 2018 Categories: Miscellaneous, School Aged Child by Pediatric Editor Comments Off on Homework habits
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Regency Personalities Series
In my attempts to provide us with the details of the Regency, today I continue with one of the many period notables.
Charles Sloane Cadogan 1st Earl Cadogan
29 September 1728 – 3 April 1807
Charles Sloane Cadogan
Charles Sloane Cadogan 1st Earl Cadogan was a British peer and Whig politician.
Cadogan was the only son of Charles Cadogan, 2nd Baron Cadogan and his wife, Elizabeth, the second daughter of Sir Hans Sloane, Bart. From 1749–54 and again from 1755, Cadogan was a Member of Parliament for Cambridge until he inherited his father's title in 1776. He was also appointed Keeper of the Privy Purse to Prince Edward in 1756, Surveyor of the King's Gardens from 1764–69 and Master of the Mint from 1769–84. In 1800, he was elevated in the Peerage as 1st Viscount Chelsea and 1st Earl Cadogan.
In 1777 he leased 100 acres (0.40 km2) of the family estate in Chelsea to architect Henry Holland for building development. Holland built Sloane Square, Sloane Street, Cadogan Place and Hans Place.
On 30 May 1747, Cadogan married the Honourable Frances Bromley, daughter of Henry Bromley, 1st Baron Montfort. They had six children:
- Hon. Charles Henry Sloane, later styled Viscount Chelsea and later 2nd Earl Cadogan (1749–1832)
- Rev. Hon. William Bromley, (1751–1797)
- Hon. Thomas (1752–1782), naval officer lost at sea aboard HMS Glorieux.
- Hon. George (1754–1780), killed in India while an officer in the HEIC army.
- Hon. Edward (1758–1779), army officer
- Hon. Henry William (1761–1774)
Cadogan's first wife died in 1768, and on 10 May 1777, he married Mary Churchill (daughter of Charles Churchill and Lady Mary Walpole, daughter of Robert Walpole) and they had four children:
- Hon. Henry (1780–1813), killed at the Battle of Vitoria.
- Hon. George, later 3rd Earl Cadogan (1783–1864)
- Lady Emily Mary (died 1839), married Gerald Valerian Wellesley (younger son of Garret Wesley, 1st Earl of Mornington) and was the mother of George Wellesley.
- Lady Charlotte (1781–1853), married (1) Henry Wellesley, 1st Baron Cowley(div. 1810), (2) Henry Paget, 1st Marquess of Anglesey.
Cadogan and his second wife divorced in 1796 and on his death at Santon Downham, Suffolk in 1807, his titles passed to his eldest son, Charles, by his first wife.


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Are you looking for a Cabo Roig property for sale? In that case, rely on Mevilla Real Estate. We offer you a large variety of homes in Cabo Roig, Alicante.
At Mevilla Real Estate we work tirelessly to make available to you the best luxury villas, apartments, bungalows and so much more. We are specialists in the area of Cabo Roig, Alicante, so we perfectly know the local property market and we deal directly with the most notable developers in the area.
Our great knowledge about Cabo Roig allows us to be a benchmark for anyone seeking the most interesting properties for sale. We know how to identify the best opportunities and the homes with the most complete level of extras and attractive features.
We offer both new built and resale properties for sale, being a predominant element in all of them the exclusive proximity to the sea. The design of our homes for sale in Cabo Roig, Alicante, is another aspect to consider, since we can offer you the perfect property for you whether you are looking for a home with modern or classic style.
Living in Cabo Roig will be a totally right decision if you are a lover of the sea and nature. This beautiful and peaceful point at the Mediterranean is a unique location which stands out for the high quality of its beach, which has 337 meters long and has the Blue Flag distinction since 1992. Another important element is its marina, which has 207 sportive moorings.
In short, do not hesitate to contact us if you are looking for a Cabo Roig property for sale. We offer the best range of properties in a truly paradisiacal environment.


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2 months in a row no I can't quite believe it either! While mucking around in the beautiful sunshine, splashing in the paddling pool, running through sprinklers and popping hundreds of bubbles I grabbed a rare moment of us all having fun together to snap only 2 quick photos before Daddy walked away! June has … Continue reading Me and Mine (June 2019)
Tag: blessed
Simple Sunday Vibes
Hello Sunday! A day of rest (that still feels weird after so long working it) and a day of family! I do love them but man I'd prefer not to see them at 5am....I'm exhausted by 9. We don't move very fast on a Sunday morning - plenty of tea, game playing, reading, cartoon watching … Continue reading Simple Sunday Vibes
6 Today
As I sit here, writing this post, I'm sending myself down a black hole of memories and photographs, thinking back to this time 6 years ago. How at 18.43pm on Monday 28th January 2013 a little bundle of gorgeousness was wrenched from my body and passed to my husband for his first cuddle before being … Continue reading 6 Today
Simple Sunday Vibes
Happy Sunday everyone! Hope you have all had a wonderful week?! This week has been a little crazy with all the Normal work life mentalness as well Birthday Party Prep, a Snow Day and deadlines. It's been full to the brim but all worth it! So here are 7 things that I feel grateful for … Continue reading Simple Sunday Vibes
38 (and a bit) weeks pregnant
I know I only wrote a couple of weeks ago at 36 weeks but here I am 38 + 5 and thought I'd come back for what will probably/hopefully be my last update before baby Plum makes it's appearance. Bump So the bump feels huge. Its certainly grown in the last few weeks and feels … Continue reading 38 (and a bit) weeks pregnant
Ordinary Moments 16 #38 'Us'
I am a little late with my ordinary moments post this week as to be honest I was struggling with what to write about. My life feels like one big blur at the minute. I'm in limbo with only a few weeks left till baby arrives and wanting to nest and switch off, not having … Continue reading Ordinary Moments 16 #38 'Us'
(Ordinary Moments 16) #37 Back to Routine
So this week saw the return of the School Term. The start of the academic year 2016/17 and so many children heading off to big school for the first time, into new classes or starting a new adventure. On Wednesday LB set off for his first day back at Preschool and his first Lunch Bunch, … Continue reading (Ordinary Moments 16) #37 Back to Routine


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Our Community has stepped up to break down the barrier of access to books! Our Partners know that a literate community is a healthy community and are committed to supporting Imagination Library.
Corporate Partners
Thanks to our Legacy Sponsor, Paradies Lagardère we launched the Denver affiliate in 2015. Paradies Lagardère brings 70 years of experience in pioneering trends, developing innovative shopping and dining options, and delivering engaging experiences for airport travelers across North America.
Franklin D. Azar & Associates have generously donated to our book program, ensuring our community kids have access to good books and strong start in school.
We appreciate the generous gift from Colorado Petroleum Council, a division of the American Petroleum Institute.
Thanks to a generous gift, Extraction Oil & Gas sponsored the 2018 Denver Grilled Cheese Fest
Alpine Bank is leading the way in advocacy and stewardship.
Injury Finance is committed to providing access to high-quality medical care for injured individuals.
Community Partners
Educate children, strengthen families, build community


text: Bridges are illuminated in red in Belgrade, Serbia, on March 22, 2020. Serbian Prime Minister Ana Brnabic said on Sunday that Chinese medical experts are "the most valuable resource in the fight against the spread of the coronavirus infection." Serbian capital city illuminated its bridges and key buildings in the color of the Chinese national flag as a sign of Serbia's gratitude to China. [Photo/Xinhua]


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Lagos — A 20-year-old house help, Christiana Jonah, who was alleged to have stolen valuables worth N10 million, was Thursday arraigned before an Ikeja Magistrate's Court.
Jonah, who is facing a two-count charge bordering on conspiracy and stealing, levelled against her by the police, was docked before Magistrate A. O. Akinde.
The police prosecutor, Inspector Benson Emuerhi, told the court that the offence was committed at Plot 1862, Abraimoh Kuku Street, Victoria Island, Lagos.
He said the defendant stole coral beads and wrist watches valued N10 million, perfume and scarfs worth N15,000 and N27,000 cash.
The prosecutor said that the stolen items were property of Mrs Adeola Yusuf. According to him, the offence committed contravened Sections 285 and 409 of the Criminal Laws of Lagos State 2011.
However, the defendant pleaded not guilty to the charge when it was read.
Magistrate Akinde granted her bail in the sum of N100,000 with two sureties in like sum and adjourned the matter to August 5, 2013.


text: Purple Phalaenopsis Orchid $85.00 CDN Available for for local delivery. Description Here we have our classic one stem purple phalaenopsis orchid with moss on our sleek mid-century modern planter. The planter can stand at two different heights just by taking the pot out of the wood stand and flipping the stand over to raise the height. Pretty nifty right? This a great gift for anyone or a unique piece to add to your own home decor. Delivery Rates Delivery Info Tweet Pin It


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Thank you for a great reunion in 2017!
We look forward to our next reunion in 2020! If you have any questions regarding reunions, please feel free to contact Alissa Alexander at firstname.lastname@example.com
Alumni Relations
To update your contact information for our Alumni Relations Chair, please fill out a form here:
To contact our Alumni Relations Chair,
please send an email to firstname.lastname@example.com


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Local App Serving Up Specials
After a year of testing their app, experimenting with different ways to produce income, bringing on coders and going through a business boot camp, tech entrepreneurs Thomas Trahan and Gerald Huffman have rolled out their creation, PLATE, to the public.
PLATE is an app designed to let budget-conscious consumers – so far, mostly college students – look at their phones to know which restaurants and bars are offering the most appealing specials. The app is free and can be downloaded to both iPhone and


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Five Ways to Ruin Your 1031 Exchange
Some people are surprised at how many grey areas there are when structuring an exchange. There are some important rules, which are generally clear, however it's important to pay attention because a mistake can ruin your exchange. Here's what not to do:
1. Miss the 45-Day Identification Deadline
Once you close on your relinquished property, you have 45 days to identify in writing what you intend to acquire in the exchange. The only exception to this rule is that no identification is needed if you acquire the replacement property before the end of the 45-day period.
The rule states that property that is not identified will not be "like kind" to the relinquished property; therefore, you are only able to acquire replacement property that you identified. If you do not identify or acquire the replacement property within the 45 days, you are not able to complete a valid exchange.
2. Fail to Clearly Identify What You Are Going to Buy
In addition to making sure you identify replacement property within 45 days, you must identify it unambiguously. That generally means using a legal description or street address. If you are going to acquire a tenancy-in-common interest in the property, you should try to identify as closely as possible the percentage interest you will be acquiring. If you are acquiring a condominium, you need to also identify the unit number. Moreover, if improvements will be constructed on the replacement property between the date you identify it and the date you acquire it, you must identify what will be constructed on the property in addition to the legal description or address. You should provide as much detail about the improvements as is "practicable."
3. Miss the 180-Day Deadline
Another crucial deadline is the 180-day exchange period. This rule states that you must acquire (close, or transfer) all replacement property(ies) by the 180th day. If the relinquished property closes escrow towards end of a tax year such that the 180th day falls after your tax filing date of the following year, you'll need to complete your 1031 Exchange before filing your income tax return, or request an extension. The Exchange timelines begin from the date the relinquished property closes escrow, and includes weekends and holidays. Should your 180th day fall on Saturday or Sunday, the last day to acquire the replacement property(ies) will fall on the previous business day. For purposes of both the 45-day and 180-day periods, if there are two or more relinquished properties in the same exchange, the deadlines are measured from the date of the first relinquished property closing.
4. Close Before You Sign Exchange Documents
Initially, exchanges could only be accomplished by two people simultaneously swapping properties. Eventually, the deferred exchange rules permitted taxpayers to use a qualified intermediary, such as First American Exchange Company, to act as an accommodator. The rules convert what looks like a sale followed by a purchase into an exchange. A basic requirement of this process is that an Exchange Agreement and Assignment Agreement must be signed by the taxpayer before the date the relinquished property closes escrow. In addition, the taxpayer must notify the buyer the contract has been assigned to a qualified Intermediary. The qualified intermediary will also be assigned into the replacement property contract, thus allowing the funds to be transferred within the "safe harbors".
5. Take Possession of Your Exchange Funds
Another important rule for a successful 1031 Exchange states that the taxpayer cannot have possession, or control, of the proceeds from the sale of the relinquished property. Upon closing of the relinquished property, the escrow holder will transfer the funds directly to First American Exchange Company, thus keeping the taxpayer from having receipt of the funds. One of the reasons it is so important to choose an intermediary wisely is that they hold the proceeds of your sale until you are ready to acquire the replacement property. First American holds these funds only in FDIC-insured bank accounts, and we never invest them in securities. Furthermore, funds are invested in a segregated account specific to the taxpayer's tax ID number.
Have additional questions for us? Ask your question here. Want to get started with your exchange? Start yours here.
Stay up to date on the 1031 exchange industry, sign up for updates here.


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Amazing News: A House and Roommate| Part 12
Miracles Do Happen:
Last week, a non-profit agency bought a house near our home. They will accept Aaron's HUD housing choice rent voucher.
Today, we met with a young man and his mother and we think we found a roommate match.
Miracle Triangle:
House/HUD–Roommate–Residential Staff
For those of you who have been following our journey to move Aaron, our son with the label of autism, home to our county, this is Part 12. You know how complex and difficult this has been. Here is the link to Part 11: 1st miracle| Aaron needs a Roommate| Part 11.
Even with the two miracles, don't breathe yet. But we now have two pieces of the triangle in place.
The third part of our miracle triangle is great staff. I've talked about the critical importance of staff in Caregivers: Part 1, 2, 3
But as Scarlett O'Hara says, "I'll think about that tomorrow."
Here are the details in two emails: one from early this morning (2:30 AM—mothers never sleep); the second is after our dinner meeting (9:00 PM—mothers put in long days).
Task Analysis for Monday Morning:
From: Mary E. Ulrich [mailto:[email protected]]
Sent: Monday, September 26, 2011 2:28 AM
To: Everyone I could think of who might be part of this move
Subject: Aaron's house
Hi Everyone,
I met with the director of the non-profit on Friday. He said they closed on the new house last Monday and so we can begin the countdown to a move-in date of Nov. 1. Yea, Yea!
Thanks to the Non-Profit and the County Board of DD for making this new resource available to Aaron and our community.
So now there is much to do to be ready by Nov. 1st.
The director of the non-profit is finalizing the paperwork to become a HUD landlord in W. County. There will need to be an inspection and he is negotiating the rent…. As soon as we get Aaron's roommate, we will be applying for three people and a 3 bedroom subsidy (Aaron, roommate and caregiver.) This is what Aaron has had in our past County for the last decade, so I think this should be pretty cut and dry. It is an accommodation under ADA, but is different than the rules for HUD's definition of "caregiver."
We have received HUD extensions until Oct. 31st. It has been a lot of running around between counties, but Debbie and Wendy have both been wonderful caring professionals. Thank you for helping me figure out the system.
I need to give notice to everyone in our current county and the current provider by Oct. 1st, which is fast approaching.
I've given the notice about moving to Aaron's current landlord.
This will not come fast enough. Aaron had another "unusual incident" last week where he was not groomed for his day program. (The food he got in his hair on Monday was still there on Wednesday—the staff felt he had not had his hair washed in two days and it was dirty and grimy.) Also, Aaron is running out of transportation money to his day program.) Tom and I are taking Aaron up on Monday mornings, and usually picking him up one afternoon a week.
House Remodeling
The director of the non-profit says they closed on the house last week and will begin the remodeling shortly. They are starting with some tree trimming because of the possible danger and then will refinish the floors in the Living Room, Dining Room and move on to the bathrooms. If everything works out well with HUD and we get the caregiver's designation for the third bedroom then there may be enough rent money to justify new windows (the current windows are casement windows—inefficient and BAD). They are reluctant to begin the bathrooms until we know who the second roommate will be. This makes sense if we want to make accommodations which are specific to the person needing the bathroom.
I think this is a great way to begin because we will want to show the community we will be great neighbors and take care of the house before the rumors begin that two men with intellectual disabilities are moving in. This is what worked on Aaron's current residence and I have too many memories of Stetennius, Five Mile and other hearings from worried neighbors. It is a mature neighborhood, I don't expect any problems, but we want to make a good first impression.
Tom and I will be planting some mums and have a couple inexpensive porch chairs to make the place look lived in. The house has been vacant for a long time so a few improvements should impress the neighbors.
Potential Roommate
I am hoping to hear from the parent of the potential roommate today, and then can set up some visits. This is the next big step.
Then, I understand from the new county board, we will finally get a case manager.
Transition for Aaron
We have been driving Aaron by the house and telling him it is his new home, but I can't imagine he understands what we are talking about. I'm worried he will miss his roommate of the past 13 years and am sure he will be confused. I want to start some visits to the house as soon as possible. The more familiar he is, the easier the transition.
I'm hoping he will get to have a couple meetings with the new roommate and new staff as soon as possible.
Furnishing House
We also need to figure out how to furnish the house. I have begun to take donations from relatives. We probably have about $1000 set aside.
Tom and I furnished Aaron's first two residences. We are told that if the furnishings belong to Aaron he can take them with him, but I am uncomfortable just taking the silverware out of the drawer and telling them, "Sorry, this belongs to Aaron." We have enough problems with the current staff as it is and we don't want to cause problems for Aaron's current roommate. But, it is expensive to start a new house from scratch.
My family will be having a shower to donate items sometimes this month. I will have to coordinate with the director of the non-profit when we can get a key and get into the house and it's not a Bengal's game (if there are any Bengal fans left in Cincinnati by then).
I'm hoping we can set a corner of the garage or one bedroom to begin collecting items.
I began with a couple boxes in Aaron's current residence and the staff (without permission) gave them away. "What would you do? Case of trash vs. treasure". (I'm still VERY upset about this. Just add it to the list of why I want to get away from them ASAP.)
New Agency
Next week I will begin interviewing residential providers. They will need to hire and train staff by Nov. 1. We have met 3 different providers as we visited the 3 potential placements for Aaron. One company impressed us because it was a local company in Mason, but we are open to suggestions. Please email me ASAP. We are well aware that just because a company was good last month, doesn't make it good this month. Having caring staff will be the second most important variable, after a good roommate.
Well, we have a busy week ahead. Please say a prayer we sell our condo, it is a huge strain on us. We listed it with another agent last week. We have begun to move some of our things into our new condo.
I'm hoping by Christmas we can look at both Aaron and us in our new homes and know we are in a better places, but GEEZ, it's going to be an action packed couple of months.
Thanks to everyone for helping make this happen for Aaron. Maybe the Bengals could learn from all our teamwork 🙂
Any questions please let me know. Have a great week. Mary
About 1:00 PM, the mother of a young man who might be a prospective roommate called on the phone. That went well so we picked up Aaron at his day program and all met for dinner in a local restaurant.
Email to same group at 9PM.
Tom and I always felt one of the most important steps was finding a good roommate for Aaron. We think we have found a good match.
Aaron, Tom and I had dinner with Jim and his mother, and it went very well, so we would like to move forward.
Jim was very friendly. He is the kind of person that hugs everyone and is best friends with everyone in a couple minutes. He has a devoted mom. Aaron kept looking at Jim. I wish he could speak and tell us his thoughts, but he seemed happy. Jim likes to swim and go to King's Island—both things that Aaron liked to do in the past. Hopefully, they will be able to do many activities in the community.
By Providence, or some divine plan, or dumb luck…Tom and Jim's mother actually taught at the same school together and used to talk about their kids at lunch. Pretty amazing, eh?
So, if everything works out—drumroll please– Aaron and Jim will be roommates.
Jim's mother is going to call Wendy at the HUD office tomorrow and see what we need to do to get Jim on Aaron's list. So we will have 3 bedrooms and Aaron, Jim and the caregiver will make three. So, hurrah hurrah.
Also, yesterday the non-profit started painting rooms and beginning the process to get the house HUD approved. So we are really moving forward. It is hard to believe—this is going to happen.
Medicaid Waiver
Aaron and Jim both already have Medicaid Waivers at appropriate levels. So we can begin the transfer of Aaron's waiver to our new county and start interviewing residential providers.
Finding a good staff will make our miracle triangle complete: (House/HUD—roommate—staff).
My sister Janet, visiting from Kansas, had a friend donate our first items for the house. The director of the non-profit allowed us to begin to put them in the garage.
The painters were there to let us in….
Today went so well, I think I'll go buy some lottery tickets. 🙂
Thanks to everyone who is helping us climb our mountain and move forward. It takes a village….
Keep Climbing: Onward and Upward
All my best,
Hope you'll share your thoughts and experiences. I'm happy and exhausted and I know we are only about half-way on the move-in journey. Whew! Now on to making a task analysis for tomorrow. Whew! Whew!


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The braces installed by 360 Orthodontics will through the course of several adjustment sessions, realign your teeth for a healthier mouth and appealing smile. If develop cavities on any of your teeth, or some part of your braces is damaged, it will likely increase the duration you need to wear braces.
By making a few minor changes in your daily habits and keeping your braces clean, it will keep the amount of time you need to wear braces.
Thoroughly cleaning your teeth and braces through your daily oral hygiene routine is important for preventing cavities. This means brushing and flossing twice a day. If you have trouble cleaning around the braces or working floss between your teeth, you might want to try using interdental brushes or a floss threader with wax coated floss.
Do your best to avoid eating sticky foods or chewing gum, this could potentially bend wires, loosen brackets or dislodge spacers. At the same time, your braces can also be damaged by biting down repeatedly on hard and crunchy foods. This also means curbing bad habits like chewing on hard objects, pencils, pens or crunching on ice.
If a piece of hardware does happen break or come loose, you can protect your cheek and gums from injury by securing it in a piece of the orthodontic wax 360 Orthodontics furnished you with when your braces were installed.
If you have questions about how to clean or take care of your braces or some part of your braces is damaged, you should call 360 Orthodontics located in Middleburg Heights, Ohio, at 440-243-9575 to schedule an appointment.


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11.10.2015 Old Testament: Lam 1.17
To read the Bible in a year, read Lamentations 1–2 on November 10, In the year of our Lord 2015
By Don Ruhl
In this new world in which we live, where everyone has a camcorder on their cell phone, I find it disturbing that often when a crime happens, everyone records it rather than helping the victim. Jeremiah knew the feeling,
Zion spreads out her hands,
But no one comforts her;
The Lord has commanded concerning Jacob
That those around him become his adversaries;
Jerusalem has become an unclean thing among them.
(Lamentations 1.17)
Yes, Zion, Jerusalem, had sinned, but the Babylonians were also sinners. Did any nation come to the help of Israel or Judah when they suffered at the hands of wicked people? In this case, no, but they all watched and some even enjoyed watching.
Let us all remember the Good Samaritan who did not merely look, but who rendered assistance.