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As amended: September 2016
0. Contractual Parties and Legal Relationship
MUNDAWEB GLOBAL. CO LIMITED (a company incorporated under the laws HONG KONG/ CHINA with registration number 2548266 principal office address: UNIT 1204, 12/F., NAM WO HONG BUILDING 148 WING LOK STREET HONG KONG ("MundaWEB" Global Limited .)"MundaWEB"), operates a shopping community, which enables the participants ("Members"), to receive Discounts ("MundaWEB Loyalty Program") through the purchasing of goods and services from various merchants who have contractual relationship with MundaWEB ("Loyalty Merchants"). A person becomes a Member by applying for Membership in the MundaWEB Loyalty Program and upon MundaWEB approving such application in accordance with the terms of these General Business Terms and Conditions for MundaWEB Members ("GTCs"). Upon becoming a Member and whilst being a Member, the Member agrees to be bound by the terms of these GTCs (including all recital, clause, schedule, annexure or exhibit thereto) and in consideration of the foregoing MundaWEB enables the Member to participate in the MundaWEB Loyalty Program in accordance with these GTCs. These GTCs (including all recital, clause, schedule, annexure or exhibit thereto) form a legally binding agreement ("Agreement") between MundaWEB and the Member.
0.2 Unless otherwise stated in these GTCs, words and expressions have the interpretation assigned to them in accordance with the Annex to these GTCs.
1. Subject of the contract
1.1 The goods and services obtained by a Member from Loyalty Merchants ("Purchases") shall be recorded in the MundaWEB Loyalty Program in order for the Member to obtain any benefits offered by the MundaWEB Loyalty Program in accordance with these GTCs, and must be recorded in one of the following ways:: MundaWEB Mobile Application. These possible way in which
1.2 The Member is entitled, in accordance with and subject to these GTCs, to participate in the MundaWEB Loyalty Program and to Member Discounts. The Member can recommend the MundaWEB Loyalty Program to other natural persons and recommend the said natural Persons as members. The Member is not under any obligation to recommend and recruit any new Members or Merchants and only does so voluntarily.
2. Application for Membership
2.1 Upon approval of an application for Membership by MundaWEB in accordance with these GTCs an applicant becomes a Member and receives a personal, non-transferable identification number ("Membership ID" or "Member ID"). This entitles him to participate in the MundaWEB Loyalty Program (but does not make him a member of any registered or unregistered club, society or association
2.2 An applicant shall apply for Membership by using either Mobile Application, online registration, or other methods for local registration with a Loyalty Merchant provided by MundaWEB,
2.3 An applicant may apply for Membership without being registered under any person (without any Recommender) ("Open Registration"). Upon approval of his application by MundaWEB the applicant will become a MundaWEB Member in accordance with these GTCs
2.4 The Member declares that the personal information provided by him to MundaWEB (subject to any personal data privacy legislations applicable) is true and accurate to his/her belief and shall indemnify MundaWEB and keep MundaWEB harmless of all loss and damages and claims by any third parties as a result of the provision by the Member of inaccurate/false information. The Member undertakes to inform MundaWEB without undue delay of any possible changes to the personal information provided.
3. Member's Obligations
3.1 No employment, partnership, joint venture, service or agency relationship whatsoever (in particular no association membership) shall be established between MundaWEB (including its parents, subsidiaries and affiliates) and the Member. Participation in the MundaWEB Loyalty Program and the recommendation of further Members are a Member's self-employment and the sole act of the Member acting legally independent from MundaWEB.
3.2 The Member shall only be entitled to Member discounts. The Member shall not be entitled to receive payments, benefits, or any other kinds of rewards beyond the Discount prescribed by these GTCs. The Member shall not be entitled to the reimbursement of expenses incurred by him/her in participating in the MundaWEB Loyalty Program or in recommending other Members.
3.3 The Member shall not be authorized to represent MundaWEB (including its parents, subsidiaries or affiliates) or Loyalty Merchants or hold out as a representative or agent of MundaWEB (including its parents, subsidiaries or affiliates) or Loyalty Merchants, and in particular not to make or accept statements towards other members within the framework of the MundaWEB Loyalty Program and/or for the purpose of recruitment of new Members. The Member is not entitled to receive cash money or to carry out the collection of funds on behalf of MundaWEB. If a Member violates this Clause 3.3 MundaWEB may terminate his/her Membership immediately.
3.4 The Member shall not be permitted, without the prior written consent of MundaWEB, to:
3.4.1 use logos, letterheads, trademarks, writings, slogans, domains, or other intellectual properties of MundaWEB (including its parents, subsidiaries, and affiliates) or of Loyalty Merchants, whether such intellectual properties are registered or not ("MundaWEB/Merchant IPs"), including incorporation of any of the MundaWEB/Merchant IPs in any materials (electronic or printed) or media, whether published or not, in any form, as is or altered or similar in appearance to the MundaWEB/Merchant IPs;
3.4.2 prepare business cards, presentations, videos, audio files, screenshots, web content, media content, flyers, prospectuses, websites, APPs, advertising materials, bulk mail, mailings, homepages, or any other materials relating to and making reference to MundaWEB (including its parents, subsidiaries and affiliates) or to the MundaWEB Loyalty Program, and having them disseminated in written or electronic form or in another manner or otherwise making them available to the public (e.g. on internet sites such as for example Facebook or Youtube);
3.4.3 carry out events, such as for example information events, workshops, seminars, etc. relating to and making reference to MundaWEB or to the MundaWEB Loyalty Program; or
3.4.4 recruit, as Loyalty Merchants or as Members, retailers, wholesalers and other traders, as well as other companies offering goods or services for final consumers, including gas/petrol stations, franchisees and department stores, to conduct negotiations or to pursue advertising activities of any kind for the recruitment of such companies, in particular on the premises of the company or in the vicinity of said company.
4. MundaWEB Loyalty Program
4.1 By making Purchases from Loyalty Merchants, the Member shall acquire Member Discounts in accordance with these GTCs (The Discount).
4.2 Calculation and amount of Member Discounts are based on MundaWEB' agreements with individual Loyalty Merchants. Current Loyalty Merchants, including the amount of Member Discounts that are granted in each case, can be viewed at www.MundaWEB.com.
4.3 The Member has the following ways and must use one of the following ways for the recording of his Purchases.
4.3.1 The MundaWEB mobile App. It is not a means of payment but rather serves solely for the recording of Purchase data.
4.3.2 Online Shopping: With Online Shopping the Member can:
22.214.171.124 log-in at www.MundaWEB.com with his access data and then select the Online Shop of the desired Loyalty Merchant; or
22.214.171.124 access the Online Shops via another online channel, apps, softwares or tools that is provided by MundaWEB for the recording of Purchase data and directly make Purchases in the Online Shop of the Loyalty Merchant. The Purchases can only be recorded if the system used by the Member during the Purchasing process permits cookies and when an Ad Blocker or Script Blocker has not been deployed.
4.4 Tthe Loyalty Merchant transmits the recorded Purchase and/or billing data to MundaWEB for the calculation of the resulting Member Benefit.
5. Online Shopping
5.1 Members should inform themselves concerning online shopping at www.MundaWEB.com with the FAQ section under the point Online Shopping.
5.2 The Member is only entitled to Member Discounts for Purchases made in the Online Shops of Loyalty Merchants, which are listed, pursuant to www.MundaWEB.com,
5.3 MundaWEB has no control over the websites of Online Shops of Loyalty Merchants or any third parties linked thereto by the MundaWEB website, and shall not be liable for any contents contained in such websites/Online Shops.
6. Member Benefits from the MundaWEB Loyalty Program
6.1 Purchases made by the Member which are registered in the MundaWEB Loyalty Program, make the Member eligible to receive Member Discounts. The Member Benefits are based on the conditions contractually agreed between MundaWEB and the respective Loyalty Merchants and therefore vary according to different Loyalty Merchants, industry sector and country.
6.2 MundaWEB reserves the right to make special offers which are different from the Member Benefits described above. Such special offers (and any governing terms and conditions relating thereto) (for example, the case may be for atypical purchases such as term-dependent mobile telephone contracts), will be published on www.MundaWEB.com.
6.3 The Member Discount granted in each case can be accessed in the Loyalty Merchant's detail view at www.MundaWEB.com. The Member is recommended to regularly inform him or herself at the MundaWEB website concerning the status of the respective conditions offered by the Loyalty Merchants. MundaWEB is authorized, subject to a 4-week notice period, to amend the Member Benefits granted by the individual Loyalty Merchants , if and insofar as the conditions agreed with the Loyalty Merchants change. The Member's Member Benefit entitlement shall be calculated using those conditions that prevailed at the time point at which the Purchase was paid for in full.
7. Personal Member Area
7.1 MundaWEB shall provide each Member with a Personal Member Area on the Mobile Application (Login area), where, after entering his username and password, he can, at any time, view the Purchases he has made, as well as information concerning Member Benefits and from the MundaWEB Loyalty Program. MundaWEB shall only assume liability for any non-accessibility of the MundaWEB websites and the Login area at www.MundaWEB.com
7.2 The Member must securely store access data for the use of the Personal Member Area (user name, password and PIN) and treat them as strictly confidential. Username and password may not under any circumstances be rendered accessible to third parties. Personal settings can be changed by the Member at any time at the Mobile Application (Login area).
8. Data protection
8.1 All enquiries regarding information, amendment and deletion of data can be submitted directly to MundaWEB.
8.2 Further data protection legislation provisions relevant for the use of the MundaWEB website can be found in the data protection statement at www.MundaWEB.com.
8.3 MundaWEB deploys internationally-recognised security technologies in order to protect the data of its members against unauthorized access. MundaWEB shall only be liable for the security of data that is transmitted via the internet pursuant to Clause 14.
8.4 Consent under data protection legislation: The Member hereby agrees – revocable at any time –, that MundaWEB can collect personal data concerning his purchasing behaviour (interests and preferences etc.) within the framework of participation in the MundaWEB Loyalty Program und use this information for the design of personalized information, as well as for postal or personal contact for the advertisement of the MundaWEB Loyalty Program and Loyalty Merchant offers.
8.5 The Member can revoke his hereby issued consent with effect for the future at any time .
9. Service disruptions
9.1 The scope of services offered by MundaWEB is restricted to the operation of the MundaWEB Loyalty Program as described in these GTCs.
9.2 The rights and obligations related to the Purchases of any goods and services made by Members from Loyalty Merchants shall apply solely to the Loyalty Merchants. MundaWEB is not liable whatsoever for any service obligations, acts, omissions, misrepresentations, or violations of any applicable consumer protection legislations by the Loyalty Merchant in relation to the Loyalty Merchant's sale of goods and services to the Member.
9.3 The Member shall have no claim against MundaWEB to a full or partial reimbursement of the redeemed Voucher amount, to the issuing of a further Voucher, to a cash payment or other remuneration or compensation in case the Loyalty Merchant is in breach of its service obligations or as a result of the Loyalty Merchant's acts, omissions or violations of any consumer protection legislations. Any such claims by the Member for non-fulfilment or incorrect fulfilment of obligations by the Loyalty Merchant shall exist exclusively against the Loyalty Merchant.
10. Liability
10.1 MundaWEB shall be liable without limitation for damages from injures to life, body, to health due to intentional or negligent dereliction of duty by MundaWEB.
10.2 For damages other than those described above, MundaWEB shall only be liable if such damages result from MundaWEB' gross negligence in breach of these GTCs where such breach is to the root of the contract between MundaWEB and the Member.
10.3 Subject to the following Clause 14.5 to the maximum extent permitted by law, MundaWEB is not liable for damages as a result of:
10.3.1 disruptions to the availability of the Member's access to the internet,
10.3.2 other technical and electronic errors (i) during a data communication via the internet as well as (ii) when using the MundaWEB internet portal, the MundaWEB SMS service and MundaWEB applications for mobile terminals, provided that these errors are beyond MundaWEB' control and are not caused by MundaWEB,
10.3.3 technical and electronic errors for which MundaWEB is not responsible, which prevent the recording of Purchases made within the MundaWEB Loyalty Program (in particular any tracking failures and consequent data loss);
10.3.4 the non-availability of the mobile phone network or terminals and
10.3.5 the malfunction of the Member's mobile terminal.
10.4 Insofar as the liability of MundaWEB is limited or excluded, such limitation or exclusion shall also be applicable to its parents, subsidiaries, affiliates, agents, the personal liability of their employees, their legal representatives and subcontractors.
10.5 Nothing in these GTCs shall exclude any mandatory implied terms stipulated by any applicable legislations.
11. Costs
11.1 Registration with and participation in the MundaWEB Loyalty Program is free of charge.
11.2 The MundaWEB Mobile Application is free of charge for the Member as part of Membership registration.
12. Termination of Agreement by the Member
12.1 The Member is entitled to terminate this Agreement (ie. Terminating his Membership) with MundaWEB at any time . The Member is under no obligation to make any Purchases or to recommend any persons as Members at any time.
13. Termination of Agreement by MundaWEB
13.1 MundaWEB may also terminate the Agreement with a Member with immediate effect in the following circumstances:
13.2.1 When the Member does anything which causes or may cause, in the absolute but reasonable view of MundaWEB, significant damage to the commercial interests or reputation of MundaWEB or the Loyalty Merchants, or
13.2.3 When the Member is in material breach of any other terms under these GTCs or any other contractual terms or provisions or rules by which the Member is bound by virtue of his Membership with MundaWEB.
13.3 Notwithstanding termination of Agreement by MundaWEB, the Member shall indemnify MundaWEB for all loss and damages suffered by MundaWEB as a result of the Member's acts or breaches of these GTCs including all costs of attorneys, solicitors, barristers, court fees or any associated legal costs and disbursements.
14. General provisions
14.1 The Member may only assign receivables to which he is entitled from MundaWEB (or all rights resulting from participation in the MundaWEB Loyalty Program) or to use the same as collateral/security upon prior written consent by MundaWEB.
14.2 Participation in the MundaWEB Loyalty Program constitutes merely a contractual relationship and therefore does not establish any relationship between the Member and MundaWEB (including its parents, subsidiaries and affiliates) under any company/corporate/society legislations, including membership of any clubs/societies/associations or "membership" in the sense of being a shareholder/stockholder of MundaWEB, its parents, subsidiaries and affiliates.
13.3 MundaWEB may from time to time negotiate and reach agreements with Members which differ from any of the terms in these GTCs. These individual agreements shall, in any event, prevail over these GTCs. A written contract and/or a written confirmation from MundaWEB shall be evidence of such individual agreements. Any agreements purported to have been made orally between MundaWEB and the Member shall not be valid. MundaWEB is also entitled to send the Member contractual declarations and information that is required for the execution of these GTCs or any other individual agreements, by SMS or by E-Mail, provided that the Member does not object to such method of communication.
14.4 These GTCs, together with any additional terms and conditions, guidelines, "Do's and Don'ts", or rules published on the MundaWEB website or otherwise notified in written (on paper or electronically) by MundaWEB which do not explicitly contradict any terms of these GTCs (if any contradiction, these GTCs shall prevail) and the Annex thereto shall constitute the entire Agreement between MundaWEB and the Member and supersedes any previous agreements, written or oral, between the Parties. The Member hereby declares that he/she is entering into this Agreement voluntarily and has not acted in reliance of any representations of MundaWEB or any other persons.
14.5 Amendments to these GTCs and other contractual agreements between the Member and MundaWEB, communicated to the Member in written (on paper or electronically), shall be deemed to have been accepted by the Member if the Member does not object within 30 days following receipt of the amendment notification, and that the Member has been told of this rule of deemed acceptance.
14.6 Reference to a particular gender in these GTCs include reference to all genders as well as legal entities/persons.
14.7 Should any provisions of this Agreement be wholly or partly declared ineffective or void by a court of competent jurisdiction, such provision(s) shall be severed from this Agreement and the remaining provisions shall remain effective and binding upon both Parties.
14.8 The Agreement, including these GTCs, is subject to and is construed in accordance with the laws of Hong Kong/ China. Both Parties hereby submit themselves to the non-exclusive jurisdiction of the Courts of Hong Kong /China. Application of the United Nations Convention on Contracts for the International Sales of Goods is excluded.
14.9 The Member undertakes to bear himself all charges, fees, taxes etc. which arise for the Member through the receipt of Member Benefits.
14.10 These GTCs and all its Annex, any additional terms and conditions, guidelines and rules which constitute the Agreement are written in English . In case of discrepancies, the English version shall prevail.
In these GTCs unless the context otherwise requires:
1. a reference to any legislation or legislative provision includes any statutory modification or re-enactment of, or legislative provision substituted for, and any subordinate legislation issued under, that legislation or legislative provision;
2. the singular includes the plural and vice versa;
3. a reference to any gender includes all genders;
4. a reference to a recital, clause, schedule, annexure or exhibit is to a recital, clause, schedule, annexure or exhibit of or to these GTCs;
5. a recital, schedule, annexure of description of the Parties forms part of these GTCs;
6. a reference to any agreement or document is to that agreement or document (and, where applicable, any of its provisions), as amended, novated, supplemented or replaced from time to time;
7. where an expression is defined, another part of speech or grammatical form of that expression has a corresponding meaning;
8. In these GTCs headings are for convenience of reference only and do not affect interpretation; and
9. Words and expressions used in the GTCs have the following meaning:
"Discount" is the Member Benefit described in more detail under Clause 8.1.1.
Mobile App), that serves to record Member Purchases from Loyalty Merchants in the MundaWEB Loyalty Program. It is not a means of payment.
""Members" are all persons, who have entered into contractual relationship with MundaWEB in accordance with these GTCs and such contractual relationship has not been terminated..
"Membership ID" or "Member ID" is a unique number which is allocated by MundaWEB and which serves to identify the Member and for the recording of Purchases made from Loyalty Merchants.
"Member Benefits" are all benefits which the Member receives or, when appropriate, can receive through the making of Purchases from Loyalty Merchants in the MundaWEB Loyalty Program. Member Benefits consist of Discounts.
"Personal Member Area" is a log-in area of the respective Member on the MundaWEB website that is described in detail under Clause 10.
"Online Shops" are online traders which are in a contractual relationship with MundaWEB and from which Members can receive Member Benefits through the Purchase of goods and services from them,
"Open Registration" means registration as a MundaWEB Member without a Recommender in accordance with Clause 2.3 of these GTCs.
"Loyalty Merchants" are companies which are in a contractual relationship with MundaWEB and from which Members can receive Member benefits through the purchase of goods and services from them and Discounts for Purchases made by the Member'sin the MundaWEB Loyalty Program.


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1300 380 992
Your Gateway to Italy with the best of Europe
Today, anyone with a computer and Internet connection can research and book their own holiday to anywhere in the world. So why book with CIT Holidays when planning your next trip to Italy & Europe.
1. Time & Effort
The sheer volume of information available online makes planning and booking your own holiday overseas time consuming and frankly, a little overwhelming. Booking a holiday without the help of an agent or travel specialist can take a lot of time out of your days and weeks! And time is money and effort you could be spending on something else.
Make sure you compare your own research with what CIT can offer. You can save yourself lots of time and effort and rest easy knowing that CIT can take care of all the actual bookings and payments in one easy place – rather than 10 different websites with different payment processes, fees and terms and conditions and with limited contact details and recourse if something should go wrong. Your local Italian travel specialist can also organise the best value travel insurance to suit your individual travel arrangements as well as advise on any passport or visa requirements…all your travel arrangements all in one! It doesn't get easier than that!
2. Savings before you go.
It's not all about how much you save in dollars, it's also about how much you save in time and effort (and peace of mind) knowing that everything has been taken care of before you even leave home! There are many ways to travel but visiting a country doesn't always mean experiencing it. By choosing CIT and booking before you go, you get value for money and save on stress (negotiating accommodation and tour prices in a foreign language in peak travel times) as well as avoid queues and crowds and extra spending when you get there.
All CIT's hotel, apartments and villas and services have been personally selected by our team of product experts, in Australia and in Italy and by using the most competitive exchange rate available, CIT will provide you with extra value and quality service which will leave you free to enjoy your holiday.
Don't forget that CIT will price match any valid quote from online or another travel operator.
3. Experience and local knowledge
We know because we go. If you're planning on visiting a country, it doesn't hurt to ask for advice from someone who knows the country intimately: the best times to visit, the best food and wine, local traditions and must see places to go. There is much more to see than just the best known cities and locations…getting of the beaten track and 'getting lost' is all part of the fun of travelling. CIT can tell you the best ways to discover Italy in the time you have to available...and where to 'get lost' along the way….
As Italy travel specialists, CIT's team of experts regularly visit the countries we sell. Many have Italian or European heritage and first hand travel experience in Italy and across Europe.
CIT can design a trip just for you because we have 45 years of experience organising Australians travel to Italy. We can recommend and secure the best travel arrangements to suit you…we know because we go to Italy & Europe ourselves and it's what we specialise in.
4. Support when you need it most
Whatever you need, whenever you need it, a travel specialist/agent can provide assistance and advice regarding transport, accommodations, tours, insurance and all kinds of extras.
If something should go wrong (heaven forbid!) or you need to make last minute changes, a travel agent won't leave you on your own!
5. All the extras
CIT provides everything you need to get you there and to experience Italy to the full. Air, hotels,apartments, transfers & day tours , self guided and escorted tours.
Looking for a different type of travel experience? CIT has Italy cooking, food & wine, walking and art & culture travel options across Italy and neighbouring countries.
Travelling with a group of family or friends? CIT can assist with groups of travellers from families with children to groups of 10 or more, suggesting the best style accommodation and tailoring your itinerary to suit from self contained villas and apartments to self drive tours of any region you choose. CIT can also recommend and request special travel arrangements for a honeymoon or other romantic breaks with extras…
Everything in between your arrival and your departure can be completely personalised: from how to get there, where to stay, what to visit and how to get around…making your trip to Italy, a once-in-a-lifetime travel experience.
These are just some of the reasons to use CIT Italy Specialists for your next trip to Italy.
Contact CIT on 1300 380 992, explore more of the CIT website or email firstname.lastname@example.com for a quote today.
Level 3, 309 George Street Sydney NSW 2000. Phone: +61 2 9267 1255; Fax: +61 2 9261 4664; Email: firstname.lastname@example.com
© 2018 CIT Europe Pty Ltd - trading as CIT Holidays ABN 29603169204
Use of this website is subject to the Booking Terms & Conditions and Privacy Policy of KIT Pty Ltd.

subset: commoncrawl


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BMW Rallying Forum
BMW Rallying is here to encourage and assist with the use of BMW's in rallying.
Nijhof BMW Compact M3 Evo IIPics & videos of BMWs on events
Moderator: is-si
3 posts • Page 1 of 1
Re: Nijhof BMW Compact M3 Evo II
http://www.rallycarsforsale.net/clas/in ... s&id=65990
get your pockets emptied mr p !!! s14 goodness
http://www.bruvsmotorworks.co.uk 320is, 330is rallying!
Re: Nijhof BMW Compact M3 Evo II
i do like that! love the snaking on the mucky tarmac. cant beat keeping your foot in!!
3 posts • Page 1 of 1
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About Us
What we do ….
Gillmore is a furniture brand specializing in the design and manufacturing of contemporary furnishings. Our collections of designer furniture celebrate the very latest British and International trends. Affordability of design is the cornerstone of the brand alongside fast delivery and the friendly service you would expect from any independent family run business.
The story so far ….
Established as GillmoreSPACE in London in 2001 the company was the creation of Charles Gillmore. Charles had graduated from the prestigious Furniture Design Faculty at Kingston University, London in 1994 and had then worked for two fast growing UK furniture brands.
Founded as a wholesale business GillmoreSPACE quickly established a reputation as a key supplier to the UK's thriving show home and property rental markets where design, quality, price and inventory are key demands. The friendships and client loyalty that emerged from the show home industry during those early years continue to be brands core business to this day.
In 2006 a desire to move his young family to the area of his upbringing meant Charles relocating GillmoreSPACE from London to the beautiful countryside of South Devon in the West of England. During this time closer ties were established with manufacturing partners in China and an office was established in Guangzhou, China to oversee procurement and quality control.
With a China team in place the brand now had the spring board to attract international buyers eager to access exclusive contemporary British design at factory gate prices. 'Container direct' sales soon became a major feature of our business activities with the supply of both catalogue and bespoke designs to global territories including USA, Japan, Australia and India.
The brand's products have always been made available to the public through online retail partners. And in 2017 a large investment was set aside into our current fully integrated ecommerce website which you are using now.
The company continues to evolve and has grown significantly in recent years. Firmly established as a leading player and specialist in its field, 2017 saw the re-branding of the business to the simple family name of 'Gillmore'.


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North American Power vs PSEG
Start a new comparison
North American PowerUtility
Has verified representatives
Customers like
- Rate 3
- Advertised price 2
- Stable contract price for 12 months 1
- Initial good rates for the first 3 months to a year 1
Customers don't like
- Rate hike5
- Pricing3
- Contract3
- Price gouging2
- Dont really cancel2
Products by North American Power
Has verified representatives
Customers like
- I want out 1
Customers don't like
- Way their staff treats their customers1
- Wait times on the phone1
- Not delivering what they promissed1
- Failure to deliver1
- Constant lying1
Products by PSEG
A company's rating is calculated using a mathematical algorithm that evaluates the information in its profile. The algorithm parameters are: users' rating, number of resolved issues, number of company's responses etc. The algorithm is subject to change in future.
Great Comment! Would You Like to Convert It Into Review?You will be able to edit the text before publishing.
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Sikorski's Atitc answers questions about lava-drip lamp, carousel horse, crate, antique chairs
Q: Attached are some photos of a lamp that has been in my family since the mid-1920s. The bottom has "Made in Czechoslovakia" engraved on it. I was wondering what you could tell me about it.
S.N., Internet
A: All the beautiful decorative arts produced in Czechoslovakia are a wide category of collecting. There is an active collecting club, The Czecho�slovakian Collectors Guild Interna�tional, where you might be able to do some research on your lamp. Its website is www.czechcollectors.org.
I think your lamp glaze is referred to by collectors as Lava-Drip. In Germany, Fat-Lava is a very collect�ible category. For more research about your lamp, you might want to explore the Lava-Drip ceramics category. One good website is www.fat-lava.com. Let us know what you discover.
Q: I have this wooden carousel horse that my mom and I found in Canada on an antiquing trip about 45 years ago. We found four of them in the hayloft of a barn. This one we had stripped and never re-painted. It is in excellent condition and the gemstones are original. I know nothing about it, who made it or when. There are no marks anywhere. It has steel horseshoes on its feet. No one in my family is interested in inheriting it. It is approximately 5 feet long, and we mounted it on a pole on a plywood base for display. Is there any venue out there for this item? What would be the approximate value?
W.N., Ocala
A: Carousel horses received a big boost of interest about 20-plus years ago by interior decorators. There are several books published on carousel horses that might be helpful to identify the maker of your horse. The book "Painted Ponies" is one example; check with the library. Currently, I think your horse would sell below $1,000, perhaps over on a lucky day.
Q: I need help in appraising this crate. It was given to me by my neighbor. She said it might be worth some money because of its age. Research on eBay shows a wide range of prices and variety. Nowhere can I find a similar crate made by the same company. I hope your expertise can give me an insight into what I have.
T., Internet
A: What you have is a "go-with" collectible item of interest within the Milk Bottle collecting category. The milk bottle crate liner is missing, lowering the potential dollar value. To find an interested collector, contact the National Association of Milk Bottle Collectors at www. milkbottlecollectors.com.
Q: We have a couple of wicker antique chairs we would like to have refinished. Your column mentioned Back in Time Antiques Restoration. Could you give us the address and telephone number so we could contact Mr. Henderson.
G.B., Internet
A: I am not sure if Back in Time works on wicker. You can contact them at 373-6949.
John Sikorski is an Ocala antiques dealer. He hosts a call-in radio show, ''Sikorski's Attic,'' on WUFT-FM (89.1 FM). It can be heard each Saturday from noon to 1 p.m. Send your questions to Sikorski's Attic, c/o Gainesville Sun, 2700 SW 13th St., Gainesville, FL 32608, or e-mail absantique@aol.


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Let me introduce myself,
I am in my mid 30's. My love photography has been there ever since I can remember! When I was little, my dream job was to be a pediatrician, However faith intervened. I met my husband when I was just 14 years old, ended up re connecting with him at 17. I was a senior in High school. Needless to say, I knew he was my future. I got married months later to him. Fast forward to now, 16 years married and four handsome sons later we are still together and creating the best life we could of ever imagined. Family means the world to me, which is why I think I love my job so much. Being trusted, and able to catch beautiful family moment's for families to cherish forever is like a dream job. My past job was working with preschoolers. I love children! They are so full of life, wonder, curiosity. I am the most simple person you will meet. I don't take anyone or anything for granted. I don't do complicated to say the least. Thank you for taking the time to read and learn a little about me ♥


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I am currently working on separately-funded research projects on (i) statistically modeling changes in floods, and (ii) providing decision support to communities making adaptation plans for uncertain future climate change. These two separate projects have piqued my interest in how trend model selection affects climate change adaptation decisions.
My first project focuses solely on modeling how floods have changed over time. For instance, this model can describe how much the magnitude of a flood with a given frequency (e.g., once every ten years on average) has changed due to environmental perturbations, such as climate or land use change, at a given location on a river. One major preliminary finding from my research is that accounting for trends in the variability of annual peak flows can yield substantially high flood estimates downstream of urbanizing areas than more commonly used models that only take into account trends in the central tendency of annual flood probability distributions. This modeling decision can substantially affect estimates of extreme floods, such as the 100-year flood, that are often used in community planning and engineering design. Determining whether or not the modeled trends may persist into the future and adjusting models to reflect different plausible change trajectories further complicates these efforts.
Next, I am designing a decision-support system (DSS) to help communities determine the implications of this kind of trend modeling decisions. There are different ways by which they can decide to use flood trend scenarios. One approach is to determine which scenario is the most likely and then base their climate adaptation decisions on that one scenario. However, many climate change projections vary substantially and many experts have a low degree of confidence in them as well. Due to these limitations, identifying flood protection measures that are robust to a wide range of climate futures becomes preferable. Furthermore, stakeholders may have different model preferences, and the identification of solutions that are robust to a model choice can offer a compromise between stakeholders with different interests.
I am applying my DSS to a quasi-hypothetical community inspired by the town of Exeter, New Hampshire. One objective is to minimize the sum of flood control and flood damage costs incurred during the 21st century. Adaptation options include protective barriers along river reaches, property-scale floodproofing, flood insurance and permanent retreat. Estimates of future extreme flood events that would cause damage are sensitive to the global climate model outputs. (Note that a statistical approach like the one I am using in my other project is more difficult to implement in this idea due to limited streamflow data.) Different model projections of future flood hazards diverge substantially around 2070. However, instead of debating which of the two projections is better, stakeholders with different model preferences might seek a compromise solution that is robust to a wide range of model projections. However, additional optimization modeling may be needed to inform stakeholders, including a satisficing solution that adequately satisfies the stakeholder objectives. These two models do not necessarily yield the same solution, so it is important to consider both perspectives.
One place where trend model selection is currently controversial is coastal North Carolina. Incorrectly choosing a high sea level rise projection may overly reduce economic opportunities while an excessive low projection may result in greater property damage and put more people at risk during storm surges. In 2016, the state will determine the type(s) of statistical or physically-based model(s) that provide a sea level rise projection(s). Previously, the state almost banned all types of models except for linear models fit to tidal observations in 2012. However, some scientists predict that the sea level rise will at a faster rate over the rest of the 21st century than it did during the previous century. Hopefully, there is not only a debate about which projection is the most accurate, but also a discussion about planning approaches that take into account different scientifically defensible model preferences that stakeholders may have.


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Dental crowns in Lincoln strengthen and reshape failing teeth, avoiding their extraction and creating outstanding smile aesthetics. Drs. Gessford, Rossini, Killeen, Beddes and Kotopka of Williamsburg Dental offer lifelike crowns as part of their comprehensive approach to exceptional dental care.
What is a Dental Crown?
The dental crown has been a tried and true restoration for decades, providing patients facing tooth extraction or with compromised oral function and aesthetics a strong and lifelike option for renewing teeth:
- That have extensive decay or multiple fillings
- Which are misshapen
- That are fractured from oral injury
- Which have had root canal therapy
In addition, porcelain crowns from your Lincoln dentists may support fixed bridgework or restore dental implants, today's superior tooth replacement option. Versatile, tooth-colored restorations which may be included in a total smile makeover, dental crowns preserve and protect healthy tooth structure for years.
Types of Dental Crowns
Dentists employ various materials to fabricate dental crowns. Among them are metal alloys, precious metals (the strongest) and solid porcelain. Porcelain crowns are very popular because of their lifelike appearance, lack of a dark line at the gums and durability. On the average, dental crowns last from five to 15 years with good at-home and in-office hygiene. Often, they are used with tooth-colored restorations such as composite resin fillings, fixed bridgework (to anchor up to three false teeth in a row) and partial dentures.
The Crown Treatment
To begin treatment, the dentist performs a thorough oral examination, including digital X-rays. He prepares the tooth to receive its restoration by removing any decay and old filling material. He then takes an oral impression to send to a trusted dental lab for fabrication of the crown. He may place a "temporary" cap to protect the tooth in the interim.
At the lab, a skilled technician uses the dentist's instructions and the oral impressions to craft a perfect crown. At the next visit to Williamsburg Dental, the doctor glues the porcelain crown in place with special bonding cement and adjusts the bite.
Caring for a Dental Crown
To care for their porcelain crowns, patients simply brush twice a day and floss daily as usual. Also, routine semi-annual exams and cleanings with Dr. Kotopka and his colleagues are important. Patients who grind or clench their teeth should consider wearing custom mouth guards at night to reduce wear and tear on their restorations. With good care, a smile renewed with dental crowns will last for years.
Work to Preserve Your Teeth
You needn't suffer with failing teeth, nor do you have to lose teeth to extraction or injury. Keep the teeth you have with beautiful restorations from Williamsburg Dental. If you are concerned about the health or aesthetics of a particular tooth, why not contact the office today for an appointment? We'll make your restorative dentistry consultation easy and comfortable, and you'll get all your questions answered.


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Latest News
Harold Mast Appointed by Governor to Chair Commission
9/18/2012 3:00pm
Harold Mast, Kentwood resident and current Kent County Commissioner, was recently appointed by Governor Snyder as Chair of the Commission on Services to the Aging.
"Harold Mast is an outstanding choice to serve as chair of the commission," said Kari Sederburg, director of the Michigan Office of Services to the Aging. "We are thankful for his willingness to serve and look forward to working closely with him to provide resources and support to older adults throughout Michigan."
Mast will lead the 15-member board as they advise the governor and legislature on the coordination and administration of the state's older adult programs as well as changes to federal and state programs related to aging.
Commission members are appointed by the Governor and serve three year terms (that will expire in 2015). Governor Snyder recently appointed four members and re-appointed a fifth member. All selections are subject to the advice and consent of the Senate.
Mast has experience working with older adults in West Michigan. He was a member of the Board of Directors at the Area Agency on Aging of Western Michigan for over ten years where he served as treasurer. He is also a Board Member of the Alliance for Health of West Michigan. He currently is owner and president of Harold Mast Consulting LLC where he works with the Hispanic Center of West Michigan and the Michigan State Housing Development Authority on affordable housing projects. Previously, he served as the executive director for Genesis Non-profit Housing Corp. and held various leadership potions at Pine Rest Christian Mental Health Services.
Other appointees include Michael Bartus (Bloomfield Hills), Donna Murray-Brown (Detroit), Renee Parnell (Niles), Patricia Rencher (Detroit) and Donald Newport (Greenbush).
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#1 Tom Hartwig, Ph.D. said:
Congratulations to Harold. Please relay and with his permission, send me his phone number please.
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November Family Caregiver Series
8/31/2012 1:00pm
The Caregiver Resource Network's Family Caregiver Series features 22 complimentary events throughout Kent County in November. The series includes holiday baking demonstrations, family portraits, financial and legal topics, stress relief and more. The series, presented by the Caregiver Resource Network, also gives family caregivers the opportunity to meet other individuals in similar circumstances and offer resources to help individuals along their caregiving journey.
To find out more details, including how to register for the events, visit the Caregiver Resource Network at www.caregiverresource.net
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Senior Millage 2013 Funding Process Continues
8/28/2012 2:54pm
Current service providers have received their continuation of funding forms. The forms are due to the AAAWM office by noon (12:00 p.m.) on Monday, September 10, 2012. No exceptions.
Unfortunately the senior millage will have to take the largest cut ever sense the property values have started to decrease. The Kent County Millage Review Committee (KCMRC) will have to decide where a 5.1% decrease in service must occur. That equates to $321,425 less in service dollars than was allocated in 2012. Not an easy decision to make sense the number of older adults grows daily (10,000 people a day turn 60 years old) across the country.
Despite the reduction in funding the KCMRC will consider two new proposals. One is for home chore and the other is for weatherization. These proposals could offer an option to existing service providers of the same service.
The KCMRC will meet for their intensive week of presentations and discussions October 8 -12, 2012. Funding decisions are guided by current needs and community priorities along with performance of current service providers. To learn more go to providers/kent_county_senior_millage_providers and look under Resources.
Questions about the Funding Process can be directed to your contract coordinator or Jackie O'Connor at 616.222.7002 or at firstname.lastname@example.com.
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Senior Advocacy in Action Alert
8/28/2012 11:30am
Unless Congress reverses an 8.4% across-the-board cut approved last year, all discretionary federally-funded aging network programs will lose funding beginning January 2, 2013. The official name for this cut is "sequestration," and it was a provision of the Budget Control Act that was passed to address the growing federal budget deficit.
What You Can Do:
Contact your U.S. Representative and Michigan's two U.S. Senators to express your concern about the impact of "Sequestration Cuts" on low-income seniors. Find your U.S. Representative by going to www.house.gov and typing your zip code in the box at the top labeled "Find Your Representative." You can also send a message directly through the website. If you don't have the Internet, call your local library for information.
Michigan's U.S. Senators are
- Senator Carl Levin Phone (202) 224-6221 Fax (202) 224-1388 www.levin.senate.gov
- Senator Debbie Stabenow Phone (202) 224-4822 Fax (202) 228-0325 www.stabenow.senate.gov
NOTE: Deliver messages by phone, fax or email. Do not send a letter as mail addressed to federal officials is screened for toxins and can be delayed in the process.
Between $4-5 million in annual funding will be lost to Michigan just from the federal Older Americans Act, which provides congregate and home-delivered meals, in-home services, senior employment and other services. Other discretionary federal programs would also be hit, including energy assistance, senior volunteer programs, and the Community Services Block Grant, which supports Community Action Agencies and helps low-income families. A report released by Senator Tom Harkin (D-Iowa) states that the sequester would eliminate 17 million meals for needy seniors nationwide. The sequester is taking place because a bipartisan committee failed to come up with an agreement on how to save $1.2 trillion over the next 10 years.
Talking Points:
- When the sequester cuts take place, Michigan will lose $4-5 million in federal monies for home and community-based services for seniors through the Older Americans Act.
- The cuts will deny 6,000+ seniors nutritional meals, including 2,500 frail homebound seniors getting meals-on-wheels. Evidence shows that poor nutrition can lead to weight loss, health problems, falls, and increased difficulty with activities of daily liv
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Kent County Senior Millage Letter of Intent No Longer Accepted
8/7/2012 11:00am
Kent County Senior Millage Letters of Intent were due on July 30, 2012 for the 2013 funding process. The Kent County Millage Review Committee is reviewing the documents and will notify those who have been selected to submit a full proposal.
Letters of Intent for will not be accepted again until July 1, 2013 for the 2014 funding process.
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Kent County Senior Millage Letters of Intent
6/27/2012 3:50pm
AAAWM is accepting Letters of Intent for 2013 Kent County Senior Millage funds. Letters of Intent are required for all new agencies, as well as for current millage funded agencies who wish to add a new service. The letter is due to AAAWM no later than 12:00 p.m. on Monday, July 30, 2012. Clicke here to access the Letter of Intent
There will be an informational meeting to answer any questions about the Letter of Intent on Tuesday, July 17, 2012 at 1:00 p.m. in the AAAWM conference room A at 1279 Cedar NE, Grand Rapids, MI. Questions can be submitted prior to the meeting to firstname.lastname@example.com. Questions will not be answered outside this meeting, however, answers to any submitted questions will be shared. Please do not ask AAAWM Contract Coordinators any direct questions, as they are unable to respond to individual inquiries
Letters of Intent will be reviewed by the Kent County Millage Review Committee (KCMRC).
Agencies will be notified by August 10, 2012 if they are permitted to complete a full proposal. Proposals will be due September 10, 2012. Meetings with the KCMRC will be October 8, 9 or 10, 2012. Please save those dates to ensure your availability to give a short presentation to the KCMRC.
Continuation Funding Forms
Current service providers will receive continuation of funding forms in early August. You will also be meeting with the KCMRC on the above October dates.
A 3 - 4% decrease in millage funding is expected for 2013 compared to the $6.4 million allocated in 2012.
Funding decisions are guided by current needs and community priorities. To learn more go to providers/kent_county_senior_millage_providers and look under Resources.
Questions about Continuation Funding Forms can be directed to your contract coordinator or Jackie O'Connor at 616.222.7002 or at email@example.com.
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Millage Funding Important Dates
6/12/2012 10:30am
The 2013 Kent County Senior Millage funding process will begin July 1, 2012. Unfortunately another millage decrease is projected for 2013. The amount will be released in July.
Here are dates to remember for the 2013 Kent County Senior Millage (KCSM) funding process:
- July 1, 2011 – Letter of Intent released. Only new providers or current KCSM providers requesting new services should submit a Letter of Intent.-CLOSED
- Monday July 30, 2012 @ 12:00 noon – Letters of Intent due.CLOSED
- August 10, 2012 – Continuation Funding Forms released. These are to be completed by every current service provider who wishes to request funds for 2013. No exceptions.
- August 10, 2012 – Proposal released for new services or new service providers. Proposals will only be issued to agencies who have submitted a Letter of Intent and who have been approved by the KCMRC to proceed in the funding process.
- September 10, 2012 @ 12:00 p.m. – Continuation Funding Forms and Proposals due.
- October 8, 9, and 10, 2012 –Oral Presentations scheduled with the KCMRC.
If you have any questions, please don't hesitate to contact Jackie or your Contract Coordinator. If you are considering submitting a Letter of Intent, I strongly urge you to discuss your idea with us prior to July 1, 2012
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Comments Needed for Annual Plan
5/24/2012 1:30pm
The Draft FY 2013 Area Implementation Plan (AIP) is ready for public comment. The Plan describes how federal Older Americans Act and state funds will be spent to support community-based services for older adults in Allegan, Ionia, Kent, Lake, Mason, Mecosta, Montcalm, Newaygo and Osceola counties. Older persons, service providers, elected officials, advocates, and other interested parties are invited to review and comment on the proposed Plan at a public hearing which will be conducted on:
Monday June 4, 2012
1:00 pm
Area Agency on Aging of Western Michigan
1279 Cedar Street NE
Grand Rapids, MI 49503
AAAWM will also accept written comments on the Draft FY 2013 AIP that are received by June 10, 2012. Written comments may be sent to AAAWM at the above address, submitted at the hearing, or emailed to AAAWM at email@example.com.
The hearing will include a brief overview and highlights of the FY 13 AIP, with the majority of the time allotted for public review and comment. We encourage participants to come to the hearing with comments and questions.
Click here to access the Draf FY 2013 Area Implementation Plan
For additional information about the hearing, or provisions of the Plan, contact Sandra Ghoston-Jones at (616) 222-7012. We look forward to hearing your comments on our proposed Plan to respond to the needs of older adults, adults with disabilities, and their family members residing in Region 8.
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Male Caregiver Cooking Class
5/24/2012 10:15am
A new class for male caregivers will start in Kent County in July. The class will help male caregivers brush up on their kitchen skills, or help them develop new ones.
Participants will also learn how to plan a menu, ways to make meal time less stressful and how to follow a recipe. Additional community resources will also be presented.
"What we have seen in recent male caregiver classes is that many men were not as involved in meal planning or cooking in the past. Now they are taking care of their spouses and trying to learn how to do all of these tasks and it can be overwhelming," says Staci Shell, Registered Dietitian and Nutrition Contract Coordinator at AAAWM and instructor for the class. "Our hope is that by helping them conquer the kitchen, we will relieve some of their stress, make meal time a much smoother process and help them meet other male caregivers going through the same struggles."
Respite is available and the class lasts four weeks. A second session is planned in Kent County for September. The goal is to eventually offer more classes and expand into other counties.
For more information on the classes, including how to register, click here.
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Senior Advocacy in Action Alert
5/17/2012 3:30pm
Legislators will be making 2013 budget decisions soon. Please contact them regarding funding for senior programs Right now, there are home and community based programs for older adults that work and save the state and the taxpayers millions of dollars annually – but they are underfunded.
MI Choice: Long-term care at home that saves Medicaid dollars- Medicaid-funded nursing home beds cost taxpayers on average $172/day; MI Choice allows eligible people to remain at home with supports that cost on average $52/day. There aren't enough MI Choice dollars to meet the needs of all who wish to join; 8,000 people still wait.
MI Choice Nursing Facility Transition Program (NFTI)- NFTI transitions Medicaid clients in nursing homes who want to leave but face barriers such as not having an accessible home, or needing services and supports to stay at home. Last year, over 1,600 people were transitioned; 3,000 people still wait. Proposed funding for 2013 will only fund the program for two months, yet according to Governor Snyder's 2012 Executive Budget, NFTI has saved the state $65 million since 2008!
In-Home Services help people manage their own resources- Office of Services to the Aging (OSA) programs help older adults stay in their own homes through programs like Meals on Wheels, home and community based services, and volunteer programs.
Money for these programs has been cut 28% ($10 million) over the past few years while demand for these services has grown.
Contact these members of the Conference Committee (listed below) and urge them to fund:
$11 million to reduce the wait list for MI Choice
$23 million for the Nursing Facility Transition Program in the MI Choice budget—to meet the goal of 1,600 transitions in 2013.
$1.1 million to Office of Services to the Aging plus a 5% increase in each of the next three years. This will partially restore the $10 million in funding cuts over the past three years.
Conference Committee Members:
- Senator Roger Kahn, M.D. (866) 305-2132 email@example.com
- Senator John Moolenaar (517) 373-7946 firstname.lastname@example.com
- Senator Vince Gregory (517) 373-7888 email@example.com
- Senator Glenn Anderson (866) 262-7306 email@example.com
- Rep. Chuck Moss (877) 707-6677 email@example.com
- Rep. Matt Lori (877) 262-5959 firstname.lastname@example.com
- Rep. Pete MacGregor (855) 347-8073 firstname.lastname@example.com
- Rep. Joe Haveman (866) 908-4347 firstname.lastname@example.com
- Rep. Richard LeBlanc (888) 737-5325 firstname.lastname@example.com
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Ideas For Designing A Nursery
Most babies do not start sleeping in their own nursery until they are around 3 months old. However, they will eventually need their own room for sleeping, nappy changes, clothes storage and their growing collection of toys. The problem is that many parents are overwhelmed when it comes to designing the nursery.
Look At The Location And Other Practicalities
If you have a choice of rooms for the nursery, you should choose one that is close to your own bedroom and that is quiet. The room needs to have adequate ventilation and heating to ensure your baby's comfort. You should also take care of any repairs which need to be done such as the creaking door so you do not wake your baby when you check on them.
This post contains affiliate links or partner content.
This post contains affiliate links or partner content.
You should also ensure that the room has enough sockets for monitors and lights. You won't want to miss the chance to play some good baby sleep music because you don't have a power source! You also need to consider installing a dimmer for the main light. If the windows allow a lot of light into the room, you need to invest in some black-out blinds to ensure that your baby gets the sleep that they need.
Stay True To Your Style
Most people will have an interior design style. You should keep to this style when you design the nursery to ensure that it will fit with the rest of the house. This is important because you will want to feel happy in the nursery as our happiness will affect your baby.
Look For Inspiration And Have A Mood Board
To find inspiration for the design of the nursery, you should look for pictures online and in magazines. You can then create a collection of images before selecting the one that you love. You do not have to follow the design completely and can simply use it as a base for your nursery design.
The inspiration for your design can be anything from an image to a piece of fabric to a print. The mood board that you create will help you select materials, furniture and colors for the nursery. It will also help you see which colors and schemes will go together and which will not.
Measure Up And Choose Your Main Pieces
It is important that you measure the room and create a floor plan. This will help you determine how to use the space and where everything will fit. The nursery will need to have somewhere for your baby to sleep, a changing station, a feeding chair and storage for the essentials. It is important to note that babies do not have large storage needs to start, but this will change as they become older.
The use of a wardrobe or armoires will add character to the room and can be used for storage. You should not be tempted by the child-size versions that you can get because your child will outgrow this and you will have to buy a new one. You can also use a chest of drawers as a changing station which will eliminate the need to buy them later on and the effort of getting rid of the changing station.
Have A Focal Point And Keep It Simple
The room needs to have a focal point and this could be the cot, the fireplace or a beautiful piece of art or even some wall stickers or decals. Once you know what the focal point is going to be, you can build the rest of the room around this. However, you need to keep this simple as there will be to me to decorate the room more when your child is older. A simple nursery will be easy to change when your child becomes older and has their own ideas.


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Budget Battles
How to Interpret Trump's Surprise Government Shutdown Threat
Government Has Been a Drag on the Economy – but That's About to Change
A Warning About the Next Economic Crisis from Leaders Who Battled the Last One
Lawmakers Battle Over Veterans Health Funding
Deficit Jumps in Trump's First Fiscal Year
Some GOP Senators Want to Slash Gas Taxes — and Federal Highway Spending
Democrats and the Deficit: The Intraparty Fight Ahead
Surprise Medical Bills Even for Patients with InsuranceBy Michael Rainey
Patients with comprehensive health insurance are still getting hit with unforeseen and often substantial out-of-network bills, according to a new study by the Kaiser Family Foundation. KKF analyzed...
States Push Back Against Short-Term Health Care PlansBy Michael Rainey
The Trump administration is promoting short-term health care plans as a cheaper alternative to Obamacare, but some state regulators are pushing back against the expanded use of the plans, which...
Subscriptions for Prescriptions? A New Way to Reduce Drug PricesBy Michael Rainey
Louisiana officials are proposing a Netflix-like subscription plan for certain prescription drugs, in which the state would gain access to unlimited treatments for hepatis C for its Medicaid and...
Health Care Industry Gears Up to Fight 'Medicare for All'
In anticipation of a "blue wave" election that brings more Democrats to Congress, the insurance and drug industries are gearing up to push back on the idea of a single-payer health care system. The...
Meet Trump's 'Shadow Rulers' of the Veterans AdministrationBy Isaac Arnsdorf, ProPublica
Last February, shortly after Peter O'Rourke became chief of staff for the Department of Veterans Affairs, he received an email from Bruce Moskowitz with his input on a new mental health initiative...
Here's What's at Stake in November: Tax Cuts, a Shutdown and Obamacare RepealBy Michael Rainey
A lot can change over the next three months, but right now Democrats look likely to win control of the House of Representatives. They currently hold the lead in both generic ballot polls and the...
Once Its Greatest Foes, Doctors Are Embracing Single-PayerBy Shefali Luthra, Kaiser Health News
When the American Medical Association — one of the nation's most powerful health care groups — met in Chicago this June, its medical student caucus seized an opportunity for change. Though they had...
Chart of the Day: Americans Using Government Programs
The federal welfare program called Temporary Assistance for Needy Families delivers cash aid to about 2.5 million people, or less than 1 percent of the U.S. population — "far smaller than the share...
Chart of the Day: Where Prescription Drug Spending Goes
U.S. spending on pharmaceuticals totaled $480 billion in 2016, according to a report published this week in Health Affairs. "Two-thirds of this total ($323 billion) was captured by drug manufacturers...
Facing Pressure from Trump, Drugmakers Still Rack Up Big Profits
The health care industry is making some healthy profits. Axios' Bob Herman reports that, with the second-quarter earnings season mostly over, the sector "has already banked more profits than any...
The High Toll of High-Deductible Health Care Plans
Bloomberg looks at an important trend in health care coverage: the rise of employer-based high-deductible plans that mean many patients and families simply can't afford to get sick. Some companies...
Health Care Prices Are Now the GOP's Problem
Republicans have a health care problem on their hands. Rising health care costs and Affordable Care Act premiums that are set to jump by double digits for 2019 could fuel voter anger, Politico's Paul...
Last Chance to Repeal the Affordable Care Act?By Michael Rainey
A conservative group released a proposal Tuesday to repeal the Affordable Care Act in August and give control over health care to the states, The Wall Street Journal reports . The proposal from the...
New Rules for Health Care Plans for Small BusinessesBy Michael Rainey
Fulfilling an executive order signed by President Trump last fall, the Labor Department on Tuesday released new rules expanding the use of association health plans, which allow self-employed...
As Medicaid Costs Soar, States Try a New ApproachBy Phil Galewitz, Kaiser Health News
MINNEAPOLIS — Sandy Dowland has been to the emergency room 10 times in the past year and was hospitalized during four of those visits. She has had a toe amputated and suffers from uncontrolled...
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TODAY: The U.S. Senate Committee Will Discuss ENDA At 10AM
Today at 10:00am the US Senate Committee on Health, Education, Labor and Pensions will discuss the Employment Non-Discrimination Act (ENDA). ENDA is a bill that would federally prohibit discrimination on the basis on sexual orientation and gender identity or expression. Right now 17 states and the District of Columbia ban discrimination for LGBT people, but the remaining 33 do not. Florida has no statewide law, but 6.4 million Floridians live in a municipality that prohibits discrimination based on sexual orientation and gender identity or expression.
The bill, introduced by Senator Jeff Merkley [OR], has the support of 53 US Senators. Neither of Florida's Senators, Bill Nelson or Marco Rubio, have signed on in support.
To watch the committee hearing on ENDA, click here.


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Relationships are a beautiful thing. Having someone there for you when you need it most, someone to love and love you back, and someone to cuddle with all sound incredible. Even watching your friends in relationships is beautiful sometimes. However, sometimes it's nice to date yourself.
The term "dating yourself" just sounds odd. I mean, what does that even mean?! Well, it's really not as bad as it sounds.
Dating yourself can vary from person to person. What I think it entails is giving yourself what you deserve. Nobody else can tell you what that may be, either. Maybe it's a bit of time to be alone and read a good book or maybe it means some serious retail therapy. Whatever it may be, it is important that you take the opportunity to take care of yourself.
While dating yourself sounds pretty dang easy, it's not always what it cracks up to be. Some days you will feel so great! You're an independent individual who doesn't need anybody!! Other days won't be so easy because you'll long for the feeling of being loved and needed, or maybe you're just tired of being single. And it's okay! It's okay to be tired of being single and it's okay to want to feel needed.
Dating yourself doesn't have to be long term. The length that you feel is right for you is the right length, whether it be a week or many years. Only you know how to date yourself and how to treat yourself right.
Whether you're in a relationship or not, it's important to take time for yourself. Go get tickets for that game that you wanted to go to with your best bud! Go and get your nails done with your main gal pal. Or take that road trip by yourself that you've always wanted to take since your were a freshman in high school. This is your life and you deserve to treat yourself sometimes.


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Vintage-inspired fine jewelry handmade in NYC.
We promise your ring will last a lifetime.
We travel the world to collect weird, wonderful pieces. Let us tell you their stories.
Where we began! Easy pieces to wear anytime.
Everything all at once. Let Liza choose for you!
Our biannual online-only sample sale begins on Wednesday October 21 at 10am.


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NY struggles after flood
Residents in one flood-ravaged New York county are still lacking recovery assistance.
BY HEATHER MOYER | WOODHULL, N.Y. | October 29, 2004
Residents in one flood-ravaged New York county are still lacking recovery assistance one month after hurricane remnants drenched the East Coast.
In the first two weeks of September, three separate flooding events hit Steuben County. According to Timothy Marshall, deputy director of Steuben County's Office of Emergency Services, the county has identified 75 homes with damage from the floods. Marshall said the damage goes from minimal basement flooding to total destruction. The community of Woodhull suffered the worst damage, added Marshall, with 25 homes damaged.
"And we're sure there's more out there that we haven't seen yet," he said. "Our county is very large, so it's hard to get a handle on all the damage that's out there."
Steuben County covers 2,000 square miles in southwestern New York.
Two of the flood disasters received federal disaster declarations for public assistance, but none received declarations for individual assistance - leaving many residents wondering where to turn for help. Right now the county is waiting word on an appeal for individual assistance, but Marshall said they are unsure when or if the decision will be made.
In the meantime, Marshall's office is working with towns across the county to get more details on any as yet unreported damage. He remains worried that at this point, some residents may have decided to move on by themselves rather than waiting to see what help they might receive or even reporting their damage to authorities. With colder weather setting in, he wonders how those who lost crucial appliances will cope.
"Many suffered loss of furnaces and hot water tanks, which are not covered by homeowners insurance unless they had flood insurance, which many do not," Marshall explained in an email sent to the state human services agencies. He added, "We're really hoping our federal appeal will come. But right now we're working with the state and local groups to identify resources for the families."
Frustration and stress are setting in for the families, he said, noting that his office is now also looking into counseling options.
Marshall also knows Steuben County is not alone in this struggle. There are other counties in the state that are in the same position as us.
Related Topics:
Churches respond to Father's Day flooding
UT city's water contaminated
Historic city flooded twice in 2 years
More links on Flooding
Find this article at:


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In creating sharp and well-crafted design, Segalini places special emphasis on type and text. His design and research interests include: book and editorial design, typeface design, calligraphy and lettering, information design, linguistics, design education, visual identities, and designing with multiple languages. ¶
A communication designer who specializes in typography, Segalini studied and practiced graphic design, typography, type design, and calligraphy in Milan, Helsinki, Philadelphia, Rome, and Izmir. ¶
He was born in Piacenza, Italy, and currently lives in San Marcos, Texas. He teaches at Texas State University and is the typographer for Contra Mundum Press (CMP), an independent boutique-publisher based in New York & Paris that specializes in world literature and several other genres. Segalini co-created ISType (Istanbul Type Seminars), a lecture and workshop series devoted to encouraging typographic literacy in Turkey. ¶
Segalini also designed the typeface Hemingway, which was inspired by that prize winning eponymous writer's novel _The Old Man and the Sea_. The resulting font family of eight styles was selected for the UK Creative Review Type Annual 2011 in the "Display Text" category. ¶
In regard to education, he believes that knowledge is constructed by the learner through action — it is mediate, not immediate. Education is a process of living, and not a preparation for future living. With his wife Esen they are watching Elisa & Andrea growing up. ❦


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The Lemon Tree Lounge
Eric, a submariner for seventeen years, offers us a glimpse into the life of men who live beneath the waves. Classic buddy story, and nowhere are greater affinities formed between two men, than the harsh, unforgiving environment of a Royal Navy Nuclear submarine on patrol in wartime conditions! Unique, riveting, funny and poignant, a cross between theatre, comedy and storytelling
"sublime comic timing ... thrilling, witty and inspirational - a one in a million show that I can't recommend highly enough" ***** Three Weeks
"truly excellent" ***** Fringe Review
"breathtaking, poignant, suspenseful, hilarious, enthralling, self-deprecating, never boastful, moving, humbling and comic. Highly recommended" **** The List
"a store of charm as deep as the ocean itself, and some of the best stories you'll hear this year" The Guardian


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Inflation Worries End Rally, Sink Nasdaq
Philadelphia Fed Chief's Comments Drain Early Gains
The Nasdaq Composite Index fell on Wednesday following the previous day's 3.1% plunge as investors grappled with new worries about inflation.
Technology stocks were mixed. Time Warner rose as investors anticipated a separation of its underperforming AOL Internet access unit. Strong earnings reports boosted JDS Uniphase and Advent Software, while a grim outlook weighed on CNET.


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Definition of Mind-bending
1. Adjective. Intensely affecting the mind especially in producing hallucinations.
Language type: Colloquialism
Similar to: Psychoactive, Psychotropic
Definition of Mind-bending
1. Adjective. Hallucinogenic. ¹
2. Adjective. Mentally taxing. ¹
¹ Source: wiktionary.com
Mind-bending Pictures
Click the following link to bring up a new window with an automated collection of images related to the term: Mind-bending Images
Lexicographical Neighbors of Mind-bending
Literary usage of Mind-bending
Below you will find example usage of this term as found in modern and/or classical literature:
1. Nuces Philosophicæ: Or, The Philosophy of Things as Developed from the Study by Edward Johnson (1842)
"It is utterly and unconditionally absurd to the very lowest degree, to talk of the mind's bending back, or taking a view of its own operations. ..."
2. Blackwood's Edinburgh Magazine (1820)
"An original mind bending its intense action on any branch of science, and, by such action, if I may say so, causing it to unfold its natural growth, ..."
3. The American Journal of Education by Henry Barnard (1861)
"The articulating organs ; the life-supporting air ; the mind, Bending its imperial decrees from the brain, where it sits enthroned, along the nerves that ..."


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Mr. Mohit Jain
Mr. Mohit Jain
Website redesign and revamp.
This was my first website developed on Drupal. Website features ecommerce functionalities which were not activated but kept for later use depending on traffic. Artists can be sorted by initial letters called glossary sorting. Had a really nice time learning drupal along with the website development process in the startup.


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Tooele Relocation Guide
Welcome to our Tooele Relocation Guide. Find everything from real estate and relocation information, to home loans, career information, schools, insurance, apartments and rentals and...
Read More
Tooele Relocation Guide
Tooele, Utah Relocation
Tooele, (pronounced too-wil'a) is located 35 miles southwest of Salt Lake City. Tooele was incorporated in 1853 and has a population of roughly 20,000.


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The edifice which will grace the top of Wales's highest mountain is being assembled in a Deeside warehouse.
In true Ikea fashion, the frame of the new Snowdon visitor centre is a flat-pack design, and engineers are going through a dry run in the Corus factory, presumably to make sure there are no missing nuts and bolts or door hinges.
If it's anything like grough's attempts at flat-pack assembly, there will be a few choice words being uttered on Deeside and a fair bit of scratching of heads as incomprehensible diagrams are studied.
Hafod Eryri, as the new café – sorry, visitor centre – will be known, will be galvanised after disassembly and loaded in neat ten-ton chunks on to the Snowdon Mountain Railway for its journey to the summit.
Carillion, the company charged with erecting the new carbuncle, decided to have a dry run to sort out any potential problems in the dry comfort of the Deeside warehouse rather than finding out the bits don't fit in an 80mph wind on the 1,085m-high summit of Yr Wyddfa.
The steel frame weighs 130 tons. Next step in the assembly practice is the fitting of windows and rollers shutters, to give it that authentic Moss Side look. Work on the summit site is due to restart on 26 March, after a break through the winter. Foundations will be laid ready for the flat-pack sections to arrive by train.
There's blog detailing the demolition of the old concrete bunker which formerly marked the highest spot in England and Wales, along with plenty of pics of the new structure.


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Market Scenario
The major growth drivers which has pushed the global Fiber Cement Market are increasing construction activities across the globe along with rapid industrialization has also pushed the overall demand. Rising construction in Asia-Pacific is one of the major growth factor and also it has created largest share in the same market. The high investment and setting up cost are creating hurdles to the growth of this market.
Key Players
- Cembrit Holding
- Plycem Corporation
- Nichiha Corporation
- The Siam Cement Public Company Limited
- CSR Limited
- Toray Industries Inc
- Compagnie De Saint Gobain
- Evonik Industries
- James Hardie Industries
- Etex Group
Get a Sample Report @ https://www.marketresearchfuture.com/sample_request/874
By Application
- Siding
- Roofing
- Molding & Trim
- others
By Materials
- Cellulosic Material
- Sand
- Portland Cement
By End-Users
- Residential
- Non-Residential
- industrial
- commercial
Study Objectives of Fiber Cement Market
- To provide detailed analysis of the market structure along with forecast for the next 10 years of the various segments and sub-segments of the Global Fiber Cement Market
- To provide insights about factors affecting the market growth
- To Analyze the Global Fiber Cement Market based on various factors- price analysis, supply chain analysis, porter's five force analysis etc
- To provide historical and forecast revenue of the market segments and sub-segments with respect to four main geographies and their countries- North America, Europe, Asia, and Rest of the World (ROW)
- To provide country level analysis of the market with respect to the current market size and future prospective
- To provide country level analysis of the market for segment by applications, materials and end-users
- To provide strategic profiling of key players in the market, comprehensively analyzing their core competencies, and drawing a competitive landscape for the market
- To track and analyze competitive developments such as joint ventures, strategic alliances, mergers and acquisitions, new product developments, and research and developments in the Global Fiber Cement Market
Browse Report @ https://www.marketresearchfuture.com/reports/fiber-cement-market
Regional Analysis of Fiber Cement Market
Asia-Pacific holds the largest market share and market is poised to reach $XX Billion in 2015 from $XX Billion in 2027, with a CAGR of XX% during the forecasted period.
Table of Content
1 Report prologue
2 Market Introductions
2.1 Definition
2.2 Scope of the study
2.2.1 Research Objectives
2.2.2 Assumptions
2.2.3 Limitations
2.3 Markets Structure
2.4 Stakeholders
3 Research Methodologies
3.1 Research process
3.2 Secondary research
3.3 Primary research
3.4 Forecast model
3.5 Market Size estimation
4 Market Dynamics
4.1 Drivers
4.2 Restraints
4.3 Opportunities
4.4 Innovations in Products/Process
4.5 Macroeconomic indicators
5 Market Factor Analysis
5.1 Introduction
5.2 Value chain analysis
5.3 Porter's five forces
The report for Fiber Cement Market of Market Research Future comprises of extensive primary research along with the detailed analysis of qualitative as well as quantitative aspects by various industry experts, key opinion leaders to gain the deeper insight of the market and industry performance. The report gives the clear picture of current market scenario which includes historical and projected market size in terms of value and volume, technological advancement, macro economical and governing factors in the market. The report provides details information and strategies of the top key players in the industry. The report also gives a broad study of the different market segments and regions.
Related Report
Global Paints and Coatings Market Information, by product type (water based and solvent based, powdered and UV), by application type (architectural, industrial and marine) – Forecast from 2016 to 2021 https://www.marketresearchfuture.com/reports/paints-coatings-market
About Market Research Future:
At Market Research Future (MRFR), we enable our customers to unravel the complexity of various industries through our Cooked Research Report (CRR), Half-Cooked Research Reports (HCRR), Raw Research Reports (3R), Continuous-Feed Research (CFR), and Market Research & Consulting Services.
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Website: https://www.marketresearchfuture.com/reports/fiber-cement-market


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Go Back
August 24, 2010
One of the largest retailers in the UK is Sainsbury's. Sainsbury's not only produces and distributes food and other goods, but they also sell a number of other consumer products in their stores including things like sporting goods, electronics, appliances, toys and even clothing. The financial expertise that comes along with such a powerhouse retailer is put to good use in the area of Sainsbury's Life Insurance. Backed by Legal and General Assurance Society Ltd, Sainsbury offers a number of interesting, useful and competitive life insurance products.
There are, essentially, two distinct options available to Sainsbury's Life Insurance customers. The first is level term life insurance, and the second is decreasing term life insurance (often called mortgage life insurance).
Level Term Insurance
Level Term life insurance from Sainsbury's Life Insurance is what you imagine of first when you think of life insurance. It's life insurance that provides you with the peace of mind that your family will be taken care of, financially, in the event that something bad happens and you pass away before they're able to provide for themselves. Level term insurance pays out a fixed payout in the event that you die. That amount doesn't change through the life of the policy. Whether you're in the third year of the policy or the thirtieth, the amount of the payout is the same. Accordingly, the premium rates for level term life insurance typically don't change over time, either.
Decreasing Term Insurance
The idea behind decreasing term insurance is similar to that of level term insurance. You want to be able to continue to provide for your family after you pass away. This insurance is aimed not at a general financial well-being, however. It's specifically aimed at making sure your family has somewhere to live when you die. The amount of the insurance is equal to the amount you owe on your mortgage. If you pass away, the insurance will pay the mortgage off and allow your family to live in the home. In addition, the amount of cover will decrease from year to year as the amount you owe on the home loan decreases. Because of the decreasing amounts of cover, the premiums on this type of insurance will go down, as well. How to find the Best Life Insurance Deal Buying life insurance is a complicated. Your family's or dependants future depends on the life cover if something happens to you. Therefore you need to research and compare the market before you buy. Cheap life cover does not mean that it is also the best value cover. You carefully need to assess the benefits of the cover that you are buying. We specialise in life insurance and search the market to help you find the right cover at the best price available. Get a No Obligation Quote Today!
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They say the proof is in the pudding, and Breitbart readers have proven that they have their collective finger on the pulse of American politics more than pundits and talking heads.
When we launched the Breitbart Primary Straw Poll with a packed slate of over a dozen candidates, Breitbart readers consistently chose Donald Trump as the nominee. They got it right. They got it right because they reflect the landscape of the American public at large.
Now we turn to our readers to see where they weigh in on who should be Trump's running mate.
We've assembled a list of the most likely candidates on Trump's short (or even long) list of candidates.
VOTE NOW in the Breitbart News Vice Presidential Straw Poll.


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Meet Abby
Hello! My name is Abby Williams. I grew in San Diego California, but as the daughter of a Navy SEAL we moved quite frequently. I graduated high school in Germany and decided to go to Wisconsin for college where I first studied agricultural education (pretty random, I know). While I was there I did my time as a waitress and I also milked cows! My sophomore year I met my now husband when I was visiting my parents back in San Diego, he was serving on a submarine in the Navy. About a year and a half later, we got married and lived in San Diego for a year. When my husband got out of the Navy we moved to Cherry Hill, New Jersey in October 2016 for his new job. I am now finishing my degree at Rowan University with a Bachelors of Arts, specializing in drawing and art history.
I started my journey as a doula in January 2016 when I read Peggy Baker's "Baby Catcher". Peggy Baker was a midwife in the 60s, 70s, and early 80s in the San Francisco Bay area. Her storytelling and love for what she did and who she worked with inspired me to pursue working with pregnant women. I remember researching postpartum doulas (my mother was interested in becoming one when I was in high school, that's the first and only time I had heard of doulas before my workshop) and reading for the first time the definition of a birth doula. Something clicked! Once I read more birth stories and books, attended my DONA workshop, and witnessed my first birth, I felt so incredibly empowered as a woman. The strength to endure and emerge a mother is inspirational. I felt connected to the profession on a deep level; I was and forever will be in awe of every woman who gives birth, no matter what kind of birth that may be.
In January 2017 Jessica asked me to be apart of Two Hands Birth Services! Jessica gave me the wonderful opportunity to be an independent doula through THBS but also be my doula guide and mentor. I am also apart of PALS (Philadelphia Alliance for Labor Support) where women are paired with birth doulas. In April 2017 I will be starting my certification towards becoming a postpartum doula. Labor and postpartum, or the 4th trimester, are so intertwined, I wanted to learn as much about the entire process as I could to better help and prepare my clients.
Being asked to work with a family before, during, and after labor is an amazing honor. I hope that as a doula I can help the mother and family achieve the beautiful birth envisioned, and also work through difficult situations that may arise. I leave with one of my favorite quotes, "There is a secret in our culture and it is not that birth is painful but that women are strong".
Birth Doula,
Postpartum Doula


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|57.Shimizu Kôshô (1911-1999)
Rinzai Zenga
Jukai, Ocean of longevitySigned: Tôdaiji Kôshô
Seals: Tôdai chôrô, Kôshô, Kagon nimai (tp)
Technique: sumi on paper 134,5 x 63,4
Mounting: brown damask
negoro lacquered rollers, 205 x 77,2
Box: signed
Condition: fine
Shimizu Kôshô was born in the famous castle town of Himeji. In 1927 he entered the Tôdai-ji in Nara. In 1947 he became director of its high school, in 1959 director of the monastic academy, and in 1963 director of the girls school and the kindergarten. In 1969 he was appointed Head of Religious Affairs of the Kegon Tradition and in 1975 he was chosen as abbot of Tôdai-ji. He remained in this position for only a short time, resigning in 1981. The last eighteen years of his life, Shimizu Kôshô dedicated his life to art.
Kosho was a unique and prolific artist-priest studied in the eccentric painting style associated with Nara. He worked in various media, refusing to be defined, and his work is as eccentric as it is unique, and highly sought in Japan.
Price: EUR 1,400 / USD 1,526