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Recent Advertising Standards Authority Adjudication gives helpful clarification
Recent Advertising Standards Authority Adjudication gives helpful clarification
Recent Advertising Standards Authority Adjudication gives helpful clarification
Recent Advertising Standards Authority Adjudication gives helpful clarification
Recent Advertising Standards Authority Adjudication gives helpful clarification
Recent Advertising Standards Authority Adjudication gives helpful clarification
Wonga – Government legislation required to protect consumers
Now that the payday lender Wonga has confirmed that it has filed for administration and appointed Insolvency Practitioners from Grant Thornton as administrators, the main unresolved issue is the ongoing fair treatment of its customers. The administrators are reported to have confirmed their ...Read More
FCA: PPI deadline advertising campaign not reaching those that matter?
There is just over a year before the Financial Conduct Authority [FCA] Payment Protection Insurance [PPI] complaint deadline comes into force on 29 August 2019. With so little time left to claim it is right that rational analysis of the progress towards the deadline is undertaken. All companies ...Read More
Manchester County Court overrides FCA Logic
Doran v Paragon Personal Finance The Financial Conduct Authority [FCA] was clear when it issued its final rules and guidance in respect of Payment Protection Insurance [PPI] complaints [policy statement PS17/3] that it did not "seek to usurp the prerogative or discretion of the courts". In ...Read More
FCA rules consultation [CP18/15] for Claims Management Companies
FCA – "many CMCs help to secure redress for consumers" The Financial Conduct Authority [FCA] has recently issued a consultation paper [CP18/15] in respect of its draft rules for Claims Management Companies [CMCs]. This consultation sets out its plans for when the FCA takes over the ...Read More
£70bn PPI redress still to repay – an independent survey reveals awareness
Much has been written about the Financial Conduct Authority [FCA] Payment Protection Insurance [PPI] complaint deadline since the claim guillotine was announced. The deadline was always short, but the time available to submit a claim is fast disappearing – it won't be long before less than 12 ...Read More
FOS Complaint Data – A waste of resources, costs, delay and stress!
Today the Financial Ombudsman Service [FOS] published its complaint data for the six-month period to 31 December 2017. The data features complaint numbers about banks, insurance companies and other financial businesses received by the ombudsman service. There are some positive features, for ...Read More
The question @commonstreasury didn't ask
"An elephant in the room"! The fallout from the Channel 4 Dispatches undercover Financial Ombudsman Service [FOS] report is still having far reaching implications which include; suggestions that 500,000 claims will need to be reassessed, calls for a judge-led public inquiry and a demand ...Read More
The FOS – Is it time for a judge-led inquiry?
It is not often that a television programme about the financial service industry results in my mobile going into overdrive with messages from non-industry friends. That is, however, what happened during and after the Channel 4 Dispatches programme aired on 12 March 2018 which revealed the ...Read More
Commentators and Consumers call for PPI deadline extension
Commentators are beginning to suggest that the 'Arnie' campaign is failing and the deadline should be extended until the banks have repaid to consumers an agreed total amount (based on comprehensive research into the final bill – likely to be £100bn). This is supported by consumers in a recent ...Read More
Self-Invested Personal Pension (SIPP) providers should be getting very worried
Recent growth in the SIPP industry With the trends of restructuring defined benefit (company) pension schemes into personal pensions combined with the liberalisation of pension transfers and investments, the Self-invested personal pension (SIPP) market has experienced strong growth in recent ...Read More
FCA PPI deadline – Arnie campaign responsible for increasing bank provisions.
The business newspaper City AM ran a story with the headline, "The Terminator delivers £3bn hit to big banks as PPI costs continue to rise". The headline refers to the Financial Conduct Authority [FCA] PPI deadline awareness campaign that features Arnold Schwarzenegger as the 'poster boy' who ...Read More
FCA PPI deadline – Will consumers be fully compensated?
As we approach the 6 month point in the Financial Conduct Authority [FCA] 2 year Payment Protection Insurance [PPI] deadline, it is useful to look back to see if the FCA campaign featuring Arnie Schwarzenegger has made any difference to consumer PPI claims behaviour. Press releases by the FCA ...Read More
John Goodfellow • PFCA Founder Member Director
Thank you!
Firstly, the members and directors of the PFCA offer their thoughts to the family of John Goodfellow following the sad news he had 'passed away' at the weekend. John was a Founder Member, director of the PFCA and played a key role in its formative months and thereafter following its launch in ...Read More
Bank's PPI provisions were expected to rise – surprise results!
Last week saw the major banks announcing their third quarter 2017 results. Many different groups eagerly await these updates; regulators, investors, shareholders and the press. The headlines of the past few years were dominated by the increasing Payment Protection Insurance [PPI] provisions. ...Read More
FCA PPI Deadline – Nearly half of GB adults are unaware!
How will £100bn be repaid in time? Within the financial service world, the Financial Conduct Authority [FCA] Payment Protection Insurance [PPI] claims deadline is big news. It's not surprising; the decision was subject to a number of consultations and legal challenges. Whatever the rights and ...Read More
Clydesdale and Yorkshire Banking Groups' £1 billion Tailored Business Loan Mis-selling Headache
The Failings of a Complaint Handling Process Almost three years ago I wrote a blog about Clydesdale's hidden 'hidden Swap' bill. At that time, the executives at Clydesdale Bank had recently testified to the Treasury Select Committee's evidence session on SME lending that the mis-selling of ...Read More
PPI FOS complaint data shows 5 major firms still over 75%
The six-monthly release of the Financial Ombudsman Service ['FOS'] complaints data have just been issued and this data includes information to the end of June 2017. The information shared by FOS shows that while many firms are improving the way they handle complaints many aren't. What do I ...Read More
Is today the start of the end for PPI claims?
Today sees the launch of the Financial Conduct Authority [FCA] two-year marketing campaign which is intended to bring an end to Payment Protection Insurance [PPI] claims by 29 August 2019. The FCA campaign must deliver a lot, but will it? There are still billions of pounds owed to millions of ...Read More
The Claims Management Regulator celebrates 10 years of positive progress
The Claims Management Regulator [CMR] has celebrated its 10th anniversary with a publication titled, "Celebrating 10 years". The document warranted the subtitle, "Protecting Consumers/Curbing Malpractice". Regulation under the FCA to come! As it has already been announced that the regulation of ...Read More
PPI Provisions increase – But, are they correct?
Just as the schools break up, the bank results reporting season begins. Reviewing the volume of media comments in respect of the first bank to announce its results, Lloyds Banking Group [LBG], suggests that anyone who thinks the school holiday and emptied offices are a good time to 'bury bad ...Read More
The FOS – annual review, far from positive!
The Financial Ombudsman Service [FOS] has issued its annual review 2016/2017. This year's version attracts the catchy title, "fairness in a changing world". The report always attracts intense scrutiny, in particular from industry observers and consumer champions. These parties are, as always, ...Read More
Barclays – The global reach of UK PPI mis-selling
It has been reported in UK based broadsheet newspapers, such as the FT and Telegraph, that Barclays is facing a lawsuit in excess of £1bn for the mis-selling of a payment protection product [PPI] at a subprime credit card business called 'Monument'. The alleged claim is being made by CCUK ...Read More
I'm a mortgage prisoner…get me out of here!
The term "mortgage prisoner" has been banded around for a couple of years now, but it could soon start taking on a much more significant meaning. A "mortgage prisoner" is a term used to describe someone who is trapped into paying a high interest rate on their mortgage, typically their mortgage ...Read More
Financial claims other than PPI – Nothing new
A recent article in The Daily Telegraph suggested that the financial claims "multi-billion cash cow" was refocusing from Payment Protection Insurance [PPI] claims to other areas. Although The Daily Telegraph is correct to say that there are many other areas where financial products have been ...Read More
BBC – The PPI 'time bar' and unclaimed Billions
It is highly likely that any lay person reading almost any edition of a popular tabloid newspaper would conclude that we live in a compensation culture. Every day readers are bombarded with articles suggesting how much more car insurance costs are a result of voluminous and vexatious whiplash ...Read More
RBS GRG – Another half-cocked ad-hoc FCA sponsored compensation scheme in the making
When the long awaited Royal Bank of Scotland (RBS) Global Restructuring Group (GRG) proposed compensation scheme was announced on 8th November 2016, it was soon met with a barrage of predictable criticism. But why the outpouring of such disbelief, disappointment and condemnation? Of course it ...Read More
Vulnerable PPI consumers hit by tax on savings changes
Tax on compensation interest If a complaint about a mis-sold Payment Protection Insurance [PPI] is upheld the compensation paid by the firm is intended to put the customer back in the position they would have been in had the mis-sale not taken place. This is often called 'general redress' and ...Read More
Fixed Rate Business Loans – Falling bank Base Rates
The risks were not explained by many banks! Just when you thought interest rates had bottomed, we are now heading even lower. On 4th August 2016, the Bank of England cut the Official Bank Rate from 0.5% to 0.25%. There is even talk of another cut later this year, so we could be heading to […]Read More
PFCA 5 year analysis of FOS PPI data
FOS update shows PPI complaints are not reducing! The Financial Ombudsman Service [FOS] have released up to date Payment Protection Insurance [PPI] uphold statistics to the period ending June 2016. The figures show that more PPI cases were referred to FOS in the first half of 2016 compared with ...Read More
Advertising Standards Authority revised guidance for CMCs
The PFCA was pleased to be invited to engage with the Advertising Standards Authority [ASA] prior to the release of its recent updated guidance, which has been designed to help CMCs comply with the Committee of Advertising Code [CAP Code]. There has, in recent times, been a number of complaints ...Read More
Claims handlers in banks should be busy in 2017
RBS GRG Report – The 7th Coming Earlier this week the Financial Conduct Authority (FCA) provided (yet) another indication of when the long awaited report into the conduct and practices of Royal Bank of Scotland's Global Restructuring Group (GRG) was due to be released. This amounts to the 7the ...Read More
Sweep the past under the carpet with a 'time bar' – £252b conduct costs
Recent research by CCP Research Foundation (one of the few organisations in the World who collate global published banking data) have recently issued details on global banking fines. At any level the sums are eye watering. According to the data the world's 20 biggest banks have paid out £252bn ...Read More
Towergate fine a 'wake up call' for CMCs
It almost seemed an insignificant paragraph (5.14) in the Carol Brady [CB] Independent review of claims management regulation (March 2016), but I have always said the proposal to implement a senior managers regime [SMR] requiring the pre-authorisation of individuals who perform 'controlled ...Read More
Mis-sold Store Card PPI – BBC Radio 4 'You and Yours' PFCA
The PFCA were delighted to shine our 'Spotlight' on the store card PPI issue for the BBC Radio 4 'You and Yours' programme on 17 June 2016 as this product was often mis-sold and worse mis-understood; many customers don't even know they have it. Financial Ombudsman Service [FOS] statistics give ...Read More
Fee capping Consultation Paper Response – PFCA
In view of the positioning that the PFCA takes in helping Claims Management Companies [CMCs] improve standards, a number of non-member CMCs, journalists and stakeholders have asked for a copy of our response to the Claims Management Regulator [CMR] fee capping consultation [Cutting the costs ...Read More
CMC fee capping' Consultation Paper – Post response
Missing link in the consultation The Claims Management Regulator [CMR] fee capping consultation [Cutting the costs for consumers – Financial claims] gave claims management companies [CMCs] very little time to respond to what was regarded by many to be the most significant Consultation Paper ...Read More
CMR 'fee cap' Consultation Paper
Who is at fault for the PPI scandal – Banks or CMCs ? The Claims Management Regulator [CMR] has launched its 'fee cap' Consultation Paper in response to the Chancellors statement in his last budget. There has already been extensive press coverage of the consultation which could have far ...Read More
The financial claims world has a lot to contemplate at the moment
The outcome of the Carol Brady HM Treasury review looking at how CMCs should be regulated and who should regulate them is still awaited. The Financial Conduct Authority [FCA] consultation in respect of a Payment Protection Insurance [PPI] claims time bar and rules surrounding unfair ...Read More
CMC pays £30,000 for each complaint as Legal Ombudsman increases fees
The 2016-2017 Legal Ombudsman [LeO] Claims Management Company fees consultation has been released. Although, actually it is not much of a consultation! Frankly, it's more of a final demand, which makes the contents all the more unsatisfactory and odd. Those who operate in various sectors of ...Read More
Is the FCA right to consult on a PPI claims deadline?
After much speculation, the Financial Conduct Authority [FCA] Payment Protection Insurance [PPI] deadline consultation has been issued. It is axiomatic that the FCA needs to review it practices and guidance from time to time and as the current PPI complaint handling rules have been in place for ...Read More
Should Consumers consider Lewis and Lloyd's PPI Deadline 'rumours' carefully?
During the summer break, it was reported that Martin Lewis, MoneySavingExpert.com and Richard Lloyd of Which? had joined forces to write a joint letter to the Financial Conduct Authority [FCA] expressing "serious concern" at media reports that the FCA was considering introducing a time bar on ...Read More
PPI complaint handling – FOS referrals a wakeup call following LBG fine?
The PFCA calls for greater scrutiny of cases referred to the Financial Service Ombudsman ["FOS"]. The recent Financial Conduct Authority ["FCA"] financial penalty (£117,430,600) levied against Lloyds Bank Group highlights the fact that genuine Payment Protection Insurance ["PPI"] claims are ...Read More
A full judicial review – Mis-sold Interest Rate Hedging Products
A full judicial review – Mis-sold Interest Rate Hedging Products Last Friday, the long awaited hearing occurred in the Royal Courts relating to a judicial review of the Financial Conduct Authority (FCA) Interest Rate Hedging Product (IRHP) Review Scheme. The result of which could lead to an ...Read More
PPI Claims Management, handling failings – FCA announcement
Regulators have never shirked their responsibilities in respect of holding banks to account when they fail to treat customers who complain fairly. The Financial Conduct Authority [FCA] predecessor (the Financial Services Authority [FSA]) first showed it was serious in these matters around the ...Read More
FCA deadline as mis-sold Interest Rate Cap Scheme closes
So here we have it, the finishing line is not only in sight but many businesses are about to cross it. Like any race, there will be winners and losers. Let's be very clear about what the 31st March deadline actually means for businesses and take a look at your chances of getting paid redress ...Read More
Financial Ombudsman Service PPI data shows the complaint process is still broken!
The recent release of the Financial Ombudsman Service [FOS] complaints data for the period ending 31 December 2014 shows a mixed set of results. No wonder the Financial Conduct Authority [FCA] announced last month that it was to "gather evidence on current trends in complaints on Payment ...Read More
RBS and a New Year, Same Old Same Old: Enterprise Finance Guarantee Loan Mis-selling
One thing is guaranteed, the banks' financially enterprising ability to mis-sell the most simple of products. After exactly 14 days into 2015, Enterprise Finance Guarantee (EFG) Loans are fast making their way onto the roll of dishonour of another banking mis-selling scandal with a flurry of ...Read More
Interest Rate Hedging Product Mis-selling – Advent Calendar
So here it is. A full advent calendar of 24 useful tips for businesses that are seeking information about Interest Rate Hedging Product Review (Swaps) Mis-selling. There are many questions from businesses about the FCA IRHP Review Scheme, as there seems to be a real lack of information ...Read More
RBS prompts time for an independent review of the Independent Reviewer?
As reported in The Times on 4th December 2014, the Royal Bank of Scotland (RBS) has been accused by a whistleblower, of trying to minimise compensation for the Interest Rate Hedging Product (IRHP) mis-selling scandal with the aid of the independent reviewer. A mis-selling scandal – How is ...Read More
Mis-sold Foreign Exchange market was FiXed
The FX Market background Before I delve into the meat of yesterday's news, whereby the Financial Conduct Authority (FCA) imposed their largest ever fine across the banking industry, I thought it would help to provide a snippet of background information about the Foreign Exchange (FX) market so ...Read More
Clydesdale's Full Year Results and the hidden 'hidden Swap' bill
National Australia Bank (NAB), parent company of Clydesdale Bank PLC (Clydesdale), which operates under the Clydesdale Bank and Yorkshire Bank brands, announced their Full Year End results last week for the Year End 30 September 2014. Mis-selling by the UK bank drives exit The headline figure ...Read More
Swaps Claims activity – My top 5 developments
It's been some time since my last update on this blog. Apologies for this absence, but as you can imagine there has been an enormous amount of activity in the Swaps claims space over the past 6 months. To help our readers, I thought it would be useful to provide a summary update of the […]Read More
Clydesdale Bank. What a difference a year makes!
This time last year, the press were reporting a National Australia Bank turnaround of the Clydesdale Bank. Even the BBC headlined the story as "Clydesdale Bank completes turnaround ahead of schedule". At the time, the stories showed that the Glasgow-based lender had reported a pre-tax profit of ...Read More
FCA Complaints update masks the reality
Those who focus on press release headlines will, no doubt, be relieved that the recent Financial Conduct Authority [FCA] complaint data showed an overall reduction in complaints by 5%. Of course, any reduction is welcome, but the figures show that financial service firms still received over 2.3 ...Read More
PPI redress calculations exposed by the FCA are worrying
The Financial Conduct Authority [FCA] has issued the results of a thematic review into banks fair treatment of customers when calculating the redress due in respect of Payment Protection Insurance [PPI]. As a direct result of the review, banks, credit card providers and personal loan companies ...Read More
FCA fines RBS and NatWest for mortgage advice failures
The national and specialist financial press are awash with the most recent Financial Conduct Authority [FCA] fine, this time against The Royal Bank of Scotland [RBS] and NatWest, in the sum £14,474,600 (which would have exceeded £20 million had the businesses not agreed with the FCA findings ...Read More
Bank fines – what should be done with the money?
It was widely report in the press at the weekend that millions of pounds is to be spent on improving Wi-Fi on commuter trains across England and Wales. The total investment was suggested to be around £90m. And where is the government finding this amount? Simple, from the fines that the Office ...Read More
Mortgage complaints on the increase the last chance saloon for lenders
The Financial Ombudsman Service [FOS] annual report for the 12 month period ending 31 March 2014, is not for the faint hearted; it is 179 pages long and rammed full of detailed analysis and statistics. A review of the report allows readers to compare complaints in different business areas ...Read More
Raise standards of behaviour Banking Standards Review
The long awaited report by the former CBI chief Sir Richard Lambert into banking standards has been released today. It will be no shock to those who are connected with the banking industry that he has recommended a radical programme of reform or that he concludes that there is a, "strong case ...Read More
FCA data shows consumer complaints over 5m in a year
The Financial Conduct Authority [FCA] has recently released consumer complaints data which shows 2,479,029 new complaints were opened against financial services firms between July and December 2013. This clearly shows that huge numbers of consumers are still unhappy with the products they have ...Read More
Santander UK fined £12.4m for widespread investment advice failings
The Financial Conduct Authority [FCA] has announced that it has fined Santander UK Plc £12,377,800 after the regulator uncovered serious failings in the way it offered financial advice. In their press release, the FCA state that "The failings took place despite repeated communications and ...Read More
Inappropriate use of Alternative Redress in PPI Claims continues!
Monthly figures collated from members of the PFCA show that the use of alternative redress is levelling off. However, although the use of alternative redress may have reduced from the heights of the second quarter of last year, the detail shows that some lenders are still applying it to more ...Read More
PPI claims headline FOS complaints. The good, the bad and the ugly!
The Financial Ombudsman Service [FOS] has just released the latest six-monthly complaints data (relating to the period 1 July and 31 December 2013) in respect of individual financial businesses – including the high street banks and biggest insurers. The data highlights the good, the bad and the ...Read More
CMCs and MPs see Claims Management Regulator's teeth!
For as long as I can remember, the Claims Management Regulator [CMR] has been the subject of claims in the media that it does not have the capacity, expertise or resource to be able to properly regulate CMCs. The claims are usually made by those businesses that are complained about who are ...Read More
Will the missing PPI billions ever be paid?
Another bank pre-result announcement (we have to wait another 10 days for the full detail) and yet another hike in the provision for Payment Protection Insurance [PPI] mis-selling! This time it's the turn of Lloyds Banking Group [LBG] to up their provision. The size of the increase is another, ...Read More
PPI complaints dominate FOS Consultation Document
At this time each year, the Financial Ombudsman Service [FOS] issues an annual plan and budget consultation document. This year is no exception and the most recent consultation document is shown on the FOS website at http://www.financial-ombudsman.org.uk/publications/2014-ourplans.pdf. This ...Read More
A Christmas Carol in Swaps Land "Tis the season to be merry"
Well, unfortunately, that largely depends on which 'camp' you are in. In one camp, businesses will be entering the festive period with a warm hearty smile having been offered redress for a mis-sold interest rate hedging product (IRHP), especially if it's a "full tear up". The other less ...Read More
Action needed on Costly complaint calls
The Financial Conduct Authority [FCA] recently tweeted, "@TheFCA: We also don't believe it's fair for banks, insurers, lenders etc. to profit from people making a complaint #costlycalls". We agree and so, it appears, do other organisations who lobby on behalf of consumers. In the ...Read More
Complaints about claims firms will be handled by the Legal Ombudsman
Justice Minister Shailesh Vara MP has announced that complaints from consumers relating to the practices of claims management companies will be transferred from the Claim Management Regulator [CMR] to the Legal Ombudsman. The change came when a late amendment to the Financial Services (Banking ...Read More
Another bad day in the history of bank mis-selling
It's another bad day in the sorry history of bank mis-selling. This time, a record fine of £28,038,844 has been dished out to Lloyds Banking Group firms for serious sales incentive failings. How did we get to the position where it takes a regulator, and not those in charge of a bank, to ...Read More
Financial Conduct Authority [FCA] fires another warning shot across lenders bows.
It is the week for Financial Conduct Authority [FCA] warnings! Firstly, we saw the FCA issue a "Dear Chief Executive" letter, generally seen as a warning shot across the bow, setting out its position on mortgage lenders requests to change mortgage contracts, including Standard Variable Rates ...Read More
Financial Conduct Authority [FCA] fires a warning shot across lenders bows.
The Financial Conduct Authority [FCA] today issued a "Dear Chief Executive" letter, generally seen as a warning shot across the bow, setting out their position on mortgage lenders requests to change mortgage contracts, including Standard Variable Rates [SVR] and Tracker Rates [TR]. The letter ...Read More
Claims Management Regulator to use financial penalties?
The Claims Management Regulator [CMR] today announced that it is seeking new powers to impose financial penalties on non-compliant Claims Management Companies [CMCs]. It is proposed that amendments are made to the Compensation Act 2006 to give the Secretary of State the power to impose a ...Read More
What is the true cost of PPI claims?
Financial claim watchers were eagerly awaiting the quarter 3 interim results of Lloyds Banking Group [LBG] to see if Payment Protection Insurance [PPI] claims had turned a corner. As it happens the results give some mixed messages. Looking for positives, it is noted that monthly complaint ...Read More
What does the most recent FCA Complaint data tell us?
The Financial Conduct Authority [FCA] has recently released its comprehensive complaint data for the first half of 2013. Not surprisingly there are both positive and negatives in the information. The positives The FCA press release shows that each of the 5 most complained about firms (Barclays ...Read More
Have PPI claims peaked with 5m more to go?
Natalie Ceeney, chief ombudsman at the Financial Ombudsman Service [FOS], was recently reported as suggesting that complaints about the mis-selling of insurance on loans and mortgages may have peaked. The suggestion comes on the back of a reduction in complaints landing in the FOS office from ...Read More
Panorama Exposes Britain's New Banking Scandal
So some 15 months after the first reporting of widespread mis-selling of Interest Rate Hedging Products (IRHPs), the BBC's Panorama pick up on the issue. Congratulations to the BBC, but why has it taken so long? I have picked out a number of key takeaways from the programme, here are my top 4: ...Read More
Mis-sold Interest Rate Hedging Products-progress is slow!
In September, the Financial Conduct Authority (FCA) published its first update on the progress made by banks undertaking a review of the sale of Interest Rate Hedging Products (IRHPs) to small and medium sized businesses. The first update was eagerly awaited as it arrived some four months after ...Read More
FCA review of PPI complaint handling highlights serious problems
The Financial Conduct Authority [FCA] has released a report following its thematic review of Payment Protection Insurance [PPI] complaint handling by medium-sized firms; which covers smaller high street banks, building societies, credit card providers and personal loan companies. There should ...Read More
FOS News & Mis-sold Packaged Bank Accounts
The Financial Ombudsman Service [FOS] September 2013 news bulletin focuses on issues surrounding packaged bank account products and it is right to do so. There are those who dismiss the consumer detriment caused by such products. Generally they come to this view because of the comparably low ...Read More
FCA fine AXA for mis-selling Investments
The Financial Conduct Authority [FCA] has fined AXA Wealth Services Ltd [AXA] £1.8m (which would have been £2.5m if AXA had not qualified for a 30% early settlement discount) for failing to ensure it gave suitable investment advice to its customers. The FCA in its final notice concluded that ...Read More
Calls for the FCA to take over Claims Management Companies regulation are wrong!
The financial trade press is swamped with the reporting of comments made by Jonathan Evans (chair of the All Party Parliamentary Group on financial services and insurance) in respect of the regulation of Claims Management Companies [CMCs]. Evans is quoted as saying, "I believe claims management ...Read More
Media rounds on banks after release of the FOS Complaint Data
One has come to expect a significant increase in the volume of column inches in the national media devoted to financial product mis-selling after the release of the Financial Ombudsman Service [FOS] six-monthly complaint data, but the articles appear to be particularly anti-bank since the ...Read More
FCA forces lenders to treat Interest-only customers fairly!
Those involved in the mortgage market should not need reminding of the corner stone principles of statutory regulation which have served the industry well since the end of voluntary regulation over a decade ago. These principles are that regulated firms should know their customer, understand ...Read More
CPP- Is there no end to bank mis-selling?
Consumers and consumer groups are rightly asking "Is there no end to bank mis-selling?" What has prompted the most recent round in bank criticism? Answer: the long awaited compensation proposals from the Financial Conduct Authority [FCA] on the mis-selling of 'card and identity protection ...Read More
Emptage Case and costs prompts statement from FSCS
It was thought by some that when the Financial Service Compensation Scheme [FSCS] lost a judicial review in the Court of Appeal in June [Neutral Citation Number: [2013] EWCA Civ 729] that the implications would be minimal.The action was brought by a consumer, Ms Emptage, whose claim for full ...Read More
Financial Ombudsman Service review fees would quadruple!
The recent comments made by Natalie Ceeney, Financial Ombudsman Service [FOS] chief executive, during a Money Marketing interview has certainly motivated many financial advisers to make critical comments on financial adviser forums.The thrust of Ms Ceeney's comments suggested that if FOS was ...Read More
2.4 million Payment Protection Insurance [PPI] claims to be reopened?
The campaign to reopen rejected Payment Protection Insurance claims looks more likely than ever to succeed as the weight of evidence identifies that many claims were not dealt with appropriately the first time round. The potential consumer detriment is so significant it would be unjust if ...Read More
Bank's woes deepen over PPI?
I read the Lloyds TSB news release in respect of its 2013 half year results with great interest; yes all 159 pages! Clearly everyone at Lloyds TSB should be congratulated on the return to statutory profit. As the media are reporting, the results should enable the business to look forward to a ...Read More
What is the real update on PPI pay back and provision?
In a recent Reuters interview Natalie Ceeney, the Chief Ombudsman at the Financial Ombudsman Service [FOS], confirmed that FOS is now receiving 2,000 new cases every working day compared with 3,000 at its peak six months ago. However, Ceeney was reluctant to predict future volumes stating, ...Read More
No let-up in firm's actions that causes the Financial Services Authority [FSA] concern.
Earlier this month, the Financial Conduct Authority [FCA] released the Financial Services Authority [FSA] final annual report. As one would expect, it gives a fascinating insight into the year leading up to its abolition in April 2013. What alarms me is the number of times the FSA had to use ...Read More
Swinton £7.38 million fine calls into question insurance policy add-ons
Swinton Group Limited (Swinton), one of the UK's largest insurance retailers, has been fined £7.38 million by the Financial Conduct Authority (FCA) after it was found to have used aggressive telephone sales strategies and, therefore, failed to treat customers fairly. The fine could have been ...Read More
FSCS Annual Report 2012 – 2013
The most recent annual report from Financial Services Compensation Scheme [FSCS] shows that the level of complaints received and compensation paid were slightly lower when compared to the previous year, but the levels are still too high and continue to show no signs of a really significant ...Read More
A reduction in those giving insurance and investment advice would not be in the best interests of consumers.
The Financial Services Compensation Scheme [FSCS] has issued a consultation paper [3 July 2013] on how it should be funded and it has already been suggested that advisers could face higher FSCS levies if the proposed funding model is approved. The funding of the FSCS presents a complex dilemma ...Read More
Desmond Hudson said that the government 'should make the practice of CMCs unlawful'
A number of online blogs and articles, including one in The Law Society Gazette, are reporting that the Chief Executive of the Law Society [Desmond Hudson] has publicly called on claims management companies [CMCs] to be outlawed. Putting the comment into context he was, at the time, giving ...Read More
PPI Compensation – are the new bankers serious?
The final part of the three part series called "Bankers", which aired on BBC 2 on 22 May 2013, painted a damning picture of the last generation of bankers. A long list of leaders from the current generation lined up to candidly admit that the previous custodians of the banking industry had ...Read More
FCA reinforces complaint handling requirements to prevent mis-selling
The Financial Conduct Authority (FCA) has sent out a warning shot to all regulated firms with regard as to how they handle complaints and how they identify and correct the root causes of reoccurring issues. The warning shot came by way of a fine and decision notice against Policy Services ...Read More
The FOS doing the bank's job with PPI helping millions of Consumers
A recent interview with Natalie Ceeney, Head of the Financial Ombudsman Service (FOS), with the Mail Online gave a fascinating insight into the scale and complexity of running the organisation that is tasked with the job of 'putting right what has gone wrong'. The understatement of the ...Read More
Demonising Customers does not help
FOS to take on 1000 more staff to deal with PPI Claims The Daily Telegraph recently quoted Natalie Ceeney, Head of the Financial Ombudsman Service (FOS), as criticising banks for "demonising customers". Her thoughts will not surprise those who have been involved in helping consumers with their ...Read More
Payment Protection Insurance (PPI) claims pay out update
The most recent figure issued by the Financial Conduct Authority (FCA), published 27 June 2013, shows that since January 2011 £10.1 billion has been paid back to customers who complained about the way they were sold Payment Protection Insurance (PPI). This follows £424 million being paid out ...Read More
Sir Mervyn King warns over mortgage debt time-bomb
Sir Mervyn King, the outgoing Governor of the central bank, gave a stark warning about interest rates recently. He warned that the high levels of mortgage debts of homeowners in their 30s and 40s meant that if the Bank of England raised interest rates by just one percentage point, millions of ...Read More
Financial Conduct Authority (FCA) issue compensation claims warning
Sir Mervyn King, the outgoing Governor of the central bank, gave a stark warning about interest rates recently. He warned that the high levels of mortgage debts of homeowners in their 30s and 40s meant that if the Bank of England raised interest rates by just one percentage point, millions of ...Read More
Financial Conduct Authority [FCA] to collect more bridging loan data to prevent mis-selling
The exponential growth in bridging lending has been fuelled by four factors, all of which increase the risk of mis-selling: The tightening of main stream lenders lending policies has created the opportunity for secondary lenders to develop a suite of short term products where a higher rate of ...Read More
FOS view on vexatious claims
Anyone who reads the financial trade press will be acutely aware of the strength of feeling against Claims Management Companies [CMCs] within the financial community. The volume of negative comments from financial intermediaries appears to have reached another crescendo following a House of ...Read More
Recent Advertising Standards Authority Adjudication gives helpful clarification
A recent Advertising Standards Authority [ASA] Adjudication has given helpful clarification in respect of two aspects of the way financial claims are marketed. A Claims Management Company [CMC] had carried out a campaign which acknowledged that prospective complainants could handle their own ...Read More
PFCA why now?
There will be those who ask, "why is there a need for a professional financial claims association (PFCA) now? To answer this question one needs to think back to why financial claims management companies exist. Over the last few decades there has been a steady stream of financial product ...Read More


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LocationMt. Clemens, MI
24583 North River Rd.
Mt. Clemens, MI 48043
New 2018 Coachmen RV Freedom Express 292BHDS
Enjoy camping with your family in this Coachmen 292BHDS Freedom Express deep slide travel trailer with open bunk room.
You will easily be able to take the whole gang along with two sets of bunk beds in the rear including one that is oversized. You will find a wardrobe and counter-top that separate the two.
In the main living area there is a large slide out 88" wide u-shaped dinette and sofa with overhead storage cabinets. There is also a pantry for storage just off the dinette slide out for food storage needs. The pantry is opposite a complete bath that includes a tub/shower, toilet, and a vanity with sink.
The kitchen features a refrigerator, a three burner range with overhead microwave oven, and a double kitchen sink for easy clean-up. The kitchen also includes plenty of overhead storage as well.
The front bedroom is separated from the living space by an entertainment center with 360 degree swivel TV box for viewing from multiple locations. The bedroom provides a queen bed for a comfortable night's rest along with two bedside wardrobes, and an overhead storage space.
You will also find front and rear exterior storage to keep all of your exterior camping gear neatly stowed away when not in use. The front features a complete pass-through compartment, and beneath the bunks find a camp kitchen below the curbside set of bunks for all of your outdoor cooking needs, plus so much more!
Like most: Dear Steve, Thank you for being our salesperson. I am very happy that we are getting a new camper. I am also happy that we chose General RV Center as our main RV store. Without General RV Center, we would of never found "the perfect camper". I found out that we are going to Indiana! I will write it down! We will see Amish people! I just wanted to say Thank You. From, Jennifer - Art from Fenton, MI
Stock# 166879
|33 ft 5 in
|Ext Width
|8 ft
|Ext Height
|10 ft 9 in
|Hitch Weight
|740 lbs
|Gross Weight
|7600 lbs
|Dry Weight
|6694 lbs
|Fresh Water Capacity
|49 gals
|Grey Water Capacity
|33 gals
|Black Water Capacity
|33 gals
|Number Of Bunks
|Available Beds
|Refrigerator Type
|2 Door
|Refrigerator Size
|6 cu ft
|Cooktop Burners
|Number of Awnings
|LP Tank Capacity
|20 lbs.
|Awning Info
|18' Power
|Number of LP Tanks
|Shower Type
|Tub/Shower Combo
At Coachmen you will find a rich history of commitment from our Team Members. This commitment extends to our owners and in the pride we have for our brand. The close relationship that we share with our owners and our dealers is a quality that others have been trying to mimic over our 50 year history. Our goals and principles remain well in focus.
Coachmen RV products have been on North American roads and in North American campgrounds since 1964.
With over five decades of building Recreational Vehicles and over 600,000 RVs built and sold we know how to design and build a reliable RV with exceptional value, dependable design, practical innovation and the comforts and features you desire.
General RV works hard to ensure the accuracy of all its listings however we are not responsible for any misprints, typos, or errors found in our website pages. Any price listed excludes sales tax, registration tags, and delivery fees. Manufacturer-provided pictures, specifications and features may be used as needed. Inventory shown may be only a partial listing of the entire inventory. Please contact us at 888-436-7578 for availability as our inventory changes rapidly. All calculated payments are an estimate only and do not constitute a commitment that financing or a specific interest rate or term is available.

subset: commoncrawl


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Travon BellamyFree Agent
Ht: | Wt:
News | Stats | Stat vs. Team | Targets | Injury | Depth Chart | Roster
|Def Sacks
|Int TD
|Fum Rec
|Fum TD
|Redskins | 16 players released
Fri, 31 Aug 2012 12:21:06 -0700
The Washington Redskins have released QB Jonathan Crompton, RB Tristan Davis, WR Terrence Austin, C Erik Cook, C Grant Garner, OT Tom Compton, OT Willie Smith, DE Doug Worthington, DT Marlon Favorite, DT Delvin Johnson, LB D.J. Holt, LB Bryan Kehl, LB Brian McNalley, CB Travon Bellamy, CB David Jones and CB Brandyn Thompson.
|Comment (0)
|| Share:
|| Source: The Washington Post - Mike Jones
|Redskins | Four signed to practice squad
Tue, 03 Jan 2012 19:09:39 -0800
The Washington Redskins signed free-agent CB Travon Bellamy (Redskins), QB Jonathan Crompton (Redskins), RB Tristan Davis (Redskins) and OL Nevin McCaskill (Steelers) to reserve/futures contracts Tuesday, Jan. 3.
|Comment (0)
|| Share:
|| Source: Scout.com - Aaron Wilson
|Redskins | Travon Bellamy added to practice squad
Tue, 29 Nov 2011 20:55:54 -0800
The Washington Redskins signed free-agent CB Travon Bellamy (Rams) to the practice squad Tuesday, Nov. 29.
|Comment (0)
|| Share:
|| Source: Scout.com - Aaron Wilson
|Rams | Three waived
Wed, 03 Aug 2011 19:59:04 -0700
The St. Louis Rams waived S Travon Bellamy, OT Karri Kuuttila and LB Maurice Simpkins Wednesday, Aug. 3.
|Comment (0)
|| Share:
|| Source: 101ESPN St. Louis - Howard Balzer
|Rams | Agree with 24 undrafted rookies
Fri, 29 Jul 2011 12:38:10 -0700
The St. Louis Rams have agreed to terms with 24 undrafted rookie free agents. The list includes DE Damario Ambrose, CB Timothy Atchison, SS Travon Bellamy, OG Bryant Browning, WR Jalil Carter, DE Kenneth Charles, SS John Dempsey, CB Dionte Dinkins, OG Tyler Donahue, LB Pete Fleps, TE Benjamin Guidugli, DT John Henderson, OG Kevin Hughes, OG Randall Hunt, OT Karri Kuuttila, LS Jacob McQuaide, TE Schuylar Oordt, QB Taylor Potts, CB Christopher Smith, FB Van Stumon, DT Arthur Thomas, C Beau Warren, DT Teryl White and RB Eddie Wide.
|Comment (0)
|| Share:
|| Source: KFFL.com
|Rams | Four UDFAs coming on board
Tue, 26 Jul 2011 13:13:26 -0700
The St. Louis Rams have signed undrafted rookie free-agent DT Arthur Thomas (Arkansas-Pine Bluff), OT Tyler Donahue (Bowling Green), CB Travon Bellamy (Illinois) and RB Eddie Wide (Utah).
|Comment (0)
|| Share:
|| Source: St. Louis Post-Dispatch - Jim Thomas


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Friends: The Complete Series (UK - BD)
Can't get enough of this TV show even though it's on constantly? Here's the BD!
Starring: Various
Released: 12th November 2012
Further Details:
Warner Home Video has announced the Blu-ray release of Friends: The Complete Series for the 12th of November for an as-yet unknown RRP. Details of bonus material can be found below, along with the early artwork and we'll bring you more info as it emerges.
News by Chris Gould
Starring: Various
Released: 12th November 2012
Further Details:
Warner Home Video has announced the Blu-ray release of Friends: The Complete Series for the 12th of November for an as-yet unknown RRP. Details of bonus material can be found below, along with the early artwork and we'll bring you more info as it emerges.
- True Friends: Documentaries: Retrospective documentaries with new interviews looking at the influential 10 years of the show and how it changed the cultural landscape of the 90's and first half of the new millennium
- Friends From the Start: Learn how the show was created and the challenges of finding the perfect cast and capturing "lightening in a bottle"
- When Friends Become Family: Enter the Writers Room and hear about the inspiration and development of some of the most iconic episodes and favorite moments from various seasons
- Legacy of Friends: Learn why the show had to come to an end, its influence on pop culture, and the legacy that it left behind
- The Original Producer's Cut for 'The One Where Rachel Tells Ross': 'The One Where Rachel Tells Ross' is re-assembled back to its original form. An introduction by Kevin Bright will set up the episode and explain why it was ultimately edited before air.
- The Original Script for 'The One Where Rachel Tells Ross'
- Friends On The Tonight Show with Jay Leno (2005)
- Friends Visit The Ellen DeGeneres Show (2004)
- The Ones With More Friends: The original extended broadcast episodes
- The One with the Never-Before-Seen Gags: Originally for the cast and crew, this never-before-seen gag reel has all the laughs that were too funny to include on the DVD
- The Rembrandts - "I'll Be There For You": Official music video featuring the cast of FriendsFriends Around the World: Explores the Friends phenomenon around the globe
- On Location in London: Cross the Atlantic for a whirlwind English visit with Friends
- The One That Goes Behind the Scenes: The full hour-long Discovery Channel Documentary
- Behind the Style: The Look of Friends: Costume Designer Debra McGuire, Hair Stylist Jonathan Hanousek, and Makeup Artist Robin Siegel offer an inside look at Friends fashion, hair and makeup over the years
- The Flaming Lips Phoebe Battles the Pink Robots music video featuring Lisa Kudrow and directed by Kevin S. Bright
- Friends Final Thoughts: The cast and producers reflect during their final days at work and after series production ends
- Never-before-seen uncut version of Smelly Cat
- Matt LeBlanc Joey Joey music video
- Commentaries From 31 Episodes
- Friends of Friends video guestbook
- Gag reels from multiple seasons
- And More!
News by Chris Gould
Existing Posts
Superb features. I wish more TV shows got this kind of treatment.
Follow our updates
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Reviewed by Kerry H. (age 9)
My favorite part is when Solemon Singer makes wishes to himself every time he orders food. My favorite character is Solemon Singer because he is so nice! I think this book is cool because it is different from all the books I have read because they use good word choices. I think Solemon Singer is like me in a way because we both think wishes come true.
I recommend this book to people who like happy endings and happy parts also all through the story. I like the drawings because it looks like a lot is happening in one picture. I think if you like big colorful drawings you would like these pictures. If you like nice and happy stories pick this one out!


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Meet thousands of Hunt singles through one of the best Hunt online dating sites. Matchmaker.com has great instant messenger and live video Hunt chat service for our members. Hunt dating has never been easier with our show interest feature that will allow you to break the ice with attractive local singles.
Matchmaker.com has some great services for Hunt singles looking for a longer term relationship. Besides our great Hunt chat product with live video matchmaker users can send email messages to people in the area. The Hunt dating scene can be hard to find the right person at times; however, we are here to help and our Hunt online dating service is free to register.
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Wind patterns – explained? Ocean currents, too?Published on May 4th, 2012 | By: Eileen De Guire
Attentive readers will have noticed that I am a fan of the Scholarly Kitchen's Friday blogger, Kent Anderson. Today he posted two interesting videos showing wind patterns that look like dynamic performance art pieces. One of them, posted here, is a representation of surface wind data from the National Digital Forecast Database from March 28 of this year.
What they did not know is that I can explain the wind pattern in the Midwest on that day.
It was my birthday.
[Peter adds: Here is a similarly artistic and mesmerizing video (see below) of ocean currents compiled by the NASA Goddard Scientific Visualization Studio, very similar one Anderson posted. These images capture many, many days from 2005-07, including a few of Eileen's past birthdays.]
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More Information
Visit the homepage for Brazil's Balancing Act
Brazil's Balancing Act Resources
Brazil and its Economy
Compendium of readings on Brazil and the economics of climate change and the environment - Additional reading resource list, including both online material and print material.
"Brazil's economy - Five strengths and weaknesses" (Brian Winter, Reuters, 3 Dec 2012)
United Nations Guiding Principles on Business and Human Rights (16 June 2011) – These principles utilize a "Protect, Respect, and Remedy" framework for businesses in relation to human rights.
Read about how corporate responsibility for human rights plays out in Brazil here (Conectas Human Rights, 8 April 2011)
"Rio+20: why Brazil is a country of contradictions" (Pablo Barras and Alice do Valle, The Guardian, 13 June 2012) – The host of the recent UN Conference on Sustainable Development is no stranger to the ongoing debates and tensions around sustainable development. Although some Brazilian companies have forward-thinking practices in this area, many are lagging behind.
"Businesses Vital to Rio + 20 Success" (Ben Tavener, The Rio Times, 19 June 2012) – Businesses can play an active role in promoting sustainable development and it is often good for their own bottom line.
"Brazil worries about another energy crisis" (Anthony Boadle, Reuters, 9 Jan 2013) – Climate change is affecting rainfall patterns in Brazil, especially in the northeast. The current drought in Brazil is making electrical generation from hydropower more difficult. This is bad news for the Brazilian economy, which relies heavily on hydropower for electricity. The current crisis comes on the heels of a severe drought in 2001 that sparked widespread fires in the Amazon.
Environmental Protection
"Sustainable Development and Our Responsibilities" (Amartya Sen, Ethical Values in Global Business, 2010) - Discussion of political and economic actions and the responsibilities of actors for environmental sustainability, as well as what that sustainability would look like.
"Hungry For Energy, Brazil Builds Monster Dams In The Amazon" (Juan Forero, NPR, 13 Feb 2013) - Recent inquiry into the building of hydroelectric dams in the Amazon, and what impact they will have on the local environment.
"Deforestation appears to rise again in Brazil's Amazon" (Paulo Prada, Reuters, 24 Jan 2013) – Deforestation of the Amazon is accelerating despite promises from the government and outside organizations to slow the rate of deforestation. Satellites now play a key role in evaluating the extent of the damage.
"Norway to pay Brazil $180 million for slowing deforestation" (Reuters, 6 Dec 2012) – Norway will pay $180 million to the Brazilian government in an effort to protect ecosystem services, indigenous people, and biodiversity. People and countries around the world have a stake in the world's largest rainforest.
Indigenous Rights
Compendium of articles and resources related to indigenous rights - compiled by panelist Professor Cristina Espinosa.
"Desafios aos direitos humanos no Brasil contemporâneo" - "Human Rights Challenges in Contemporary Brazil" (Co-Edited by Biorn Maybury-Lewis and Sonia Ranincheski, 2011); in Portuguese.
"The Unique Rights of Indigenous Peoples" (Dinah Shelton, Think Africa Press, 12 Nov 2012) – Chair of the Inter-American Commission on Human Rights Dinah Shelton gives some historical background on the concept of indigenous rights and how claims to these rights have been addressed in Africa and the Americas. She concludes that the term "sustainable development" reflects the triad of interests that must be taken into account by governments and international organizations. Not a single one of the three goals – environmental protection, economic development and respect for human rights – can be achieved without consideration for the other two.
United Nations Declaration on the Rights of Indigenous Peoples (13 Sep 2007) – Adopted in 2007, this non-binding declaration represents the first formal articulation of these rights and the responsibility of states to respect them.
"Rio + 20: Anchor sustainable development in human rights" (Amnesty International, 12 June 2012) – Amnesty International declares that economic development initiatives that do not incorporate human rights obligations and principles can deepen marginalization, discrimination, and injustice.
"Greens Distort Indigenous Rights to Block Brazil's Sustainable Development" (World Growth, PR Newswire, 17 June 2012) – Pro-business leaders claim that efforts to protect indigenous rights will deter investment and impede sustainable development in Brazil.
"Development puts indigenous peoples at risk" (Marco Sibaja, Associated Press, 10 June 2012) – Indigenous people are consistently pushed aside in the quest for development. This is illustrated in the negotiations leading up to and the initial construction of the giant Belo Monte Dam in the Amazon.


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• Each year the California League of Schools honors a few outstanding educators who have been nominated by their principal as Educator of the Year. Tracy Borg, Mission Bay High School IB psychology teacher, was selected as one of four high school educators of the year for San Diego Region 9 and honored at the annual dinner and awards ceremony on Jan. 23.
• For those interested in attending MBHS in 2014-15, applications are being accepted online or at the district office. The enrollment period runs through Feb. 15. Visit the enrollment options web page for the application and other materials.
Pacific Beach Middle School
• PBMS tour — Thursday, Feb. 6, 8 to 10:30 a.m. in the upstairs media center. Check in at the front office. Visit sandi.net/pbmiddle for more campus tour information. Families in the 92109 ZIP code always have enrollment priority. For more information, contact Jennifer Sims at firstname.lastname@example.com or call (858) 273-9070, ext. 2357.
• PB families from the middle and elementary schools attended the PBMS International Baccalaureate's annual math, science and design night on Jan. 21. Through the award-winning partnership with Sea World and HUBBS, children learned about conservation efforts and one lucky winner went home with a new surfboard from Rerip.com. This year, the event included a pre-engineering focus on design. Design activities at the event included a tower-building exercise, a tangram activity and the introduction of the IB Design Cycle.
Kate Sessions Elementary
• The Kate Sessions annual art show was held on Jan. 23. Art teacher Laura Haight celebrated students by showcasing framed student artwork, while music teacher Mark Lamson created a family drum circle. Dancers with Paloma Aragon Art Flamenco graced the stage with drama and flare. As part of the annual fund raising event, parents were able to purchase their child's framed artwork, visit with friends and neighbors, and dine on local cuisine.
• The school thanks the platinum auction sponsor Ocean Park Inn and the gold auction sponsors PB Fish Shop, Duck Dive and Shore Club. Their donations to Friends of Kate Sessions will help fund art, music, Spanish and library programs at the school. Thanks also go to Rubios on Grand Avenue for a great dine out in January.
Pacific Beach Elementary
• School tour — Thursday, Feb. 13, 8 a.m. Check in at the front office.
• Tickets for the Taste of North PB Art & Restaurant Walk can be purchased in the PBE front office.
Friends of Pacific Beach Secondary Schools (FOPBSS)
• The Taste of North PB Art & Restaurant Walk is right around the corner, taking place on Wednesday, March 12 from 5 to 8 p.m. Tickets are $20 for adults and $10 for kids (5-10 years) and can be purchased at PBE, PBMS and MBHS. The walk features more than 18 restaurants, displays of artwork by local students and music by the MBHS Preservationists, PBE musicians and local duet Mad Colony.
• Save the date: April 26 is the School Yard Dash 5K Run. Lend your time and expertise to organize the event. Your sponsorship or contribution will help to provide enriching programs and supplies to our schools and is 100 percent tax deductible. Contact Kim Schoettle at firstname.lastname@example.com for more information.
Mission Bay Cluster
The next Mission Bay Cluster meeting will be Thursday, Feb. 6 at 6 p.m. at Mission Bay High School in the library. Come for updates on the Common Calendar, Common Core implementation, MBHS stadium and PBMS/YMCA updates. We will also be discussing cluster goals in relation to the LCFF (Local Control Funding Formula).
Mission Bay High School Alumni Association
The Seaside Farmers Market will host a rummage sale on Saturday, Feb.15. Clean out your garage and closets and bring your items to the sale. Spots to sell your items are $10 per spot, and 100 percent of the profits will benefit MBHS. To reserve your spot(s), email Cori Meara at firstname.lastname@example.com.


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Pictures from the Commencement Ceremony
The Commencement will begin at 1:00pm at Paliku Theatre.
Graduates should gather in Hale Pālanakila Room 225 no later than 12:00 noon. You will pick up your name card and line up for the procession.
Doors open at 12:30, unreserved seating. Members of the audience will be directed to their seats by ushers.
The ceremony should be done by 2:30pm, followed by a reception in the main courtyard of Pālanakila.
For graduating students we suggest you wear comfortable attire under your gown, preferably dark-colored clothing and shoes. Graduation Cap and Gown can be picked up until May 14 - from the Bookstore. If you are a member of Phi Theta Kappa, you are eligible to wear a tassel and stole.
Balloons are not allowed in the theatre. As our campus tries to be more sustainable, we encourage you to not bring balloons to the ceremony.
Note: a rehearsal will be held in Paliku Theater on Friday, May 14 from 2:00 to 4:00 p.m. All participants are strongly encouraged to attend.
For more information, contact Leslie Opulauoho, Commencement Chairperson, at 235-7469, email: email@example.com
Due to limited seating, tickets will be required for admission to the Commencement Ceremony in the theater.
Commencement announcements and tickets for family and friends will be available from Christine at Student Services, Hale Akoakoa Room 212.
Announcements and tickets are not reserved for students. They are offered on a first-come, first served basis. You will need to arrange to pick up announcements and tickets, during the distribution period.
Family and friends who do not have tickets, may view the ceremony by closed circuit television. Certified graduates with commencement regalia may still participate in the ceremony.
Please find out more about attending the ceremony


text:
Message Board
Wahei Tatematsu Message Board
Talk about the novels, new and used books that Tatematsu has written!
Author Tatematsu's Book Reviews
Distant Thunder
Somewhere in Japan's back country, Mitsuo Wada, a young farmer, is suffering. His father has separated from his mother and left the house to be with a barmaid. Greedy land developers want to buy out his remaining land, a hothouse where he grows tomatoes for sale. A housewife from a nearby new apartment complex seduces him, only to be revealed that she was married... One fine day, he does an arranged marriage meeting and meets Ayako, who becomes his life...


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Milwaukee Snow Emergency in effect at 5 p.m. Wednesday
Parking available in MPS playgrounds from 7 p.m. to 7 a.m.
The city of Milwaukee has issued a Snow Emergency from 5 p.m. Wednesday until 5 a.m. Thursday.
During a snow emergency:
- Night parking regulations go into effect from 11 p.m. to 6 a.m. (instead of 2 to 6 a.m.)
- No parking is allowed on arterials, bus lines, or thru-highways from 11 p.m. to 6 a.m.
- No parking on the side of residential streets signed "No Parking During Snow Emergency" or "No Parking from Dec. 1 to March 1" or "No Parking Anytime."
- Posted signs for other parking restrictions must be obeyed, specifically the "4-inch rule" sign
- Comply with the alternate side street parking on other residential streets.
- Vehicles parked on streets designated as "Snow Route Tow Away Zones" will be ticketed and towed when a snow emergency is declared.
The city's website states any vehicles parked in violation of "Snow Route Tow-Away Zone" and "Temporary No Parking Tow Away" signs or obstructing traffic during a "Snow Emergency" will be towed away at owner's expense. There are no exceptions.
If your car is towed, the city's tow lot customer service and telephone inquiry hours will run from 7 a.m. to 7 p.m. on Thursday.
Normal hours, 8 a.m. to 6 p.m., will resume on Friday.
"If a snow emergency is declared, then snow routes that are assigned as snow emergency, they will be towed if they are along that route, and that's basically a safety issue, so you can get the fire trucks through," Milwaukee tow lot manager David Lawrence said.
Milwaukee Public Schools is making playgrounds available for off-street parking during snow emergencies from 7 p.m. to 7 a.m.
The city's 4-inch rule went into effect at 5 a.m. Wednesday, but they are two different things.
The 4-inch rule restricts parking also, but it is not a towable offense. You can however get a $40 fine if you're in violation.
For more information on the city's winter parking regulations, click here.


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In Bafata, Guinea-Bissau, children go door-to-door counting mosquito nets, monitoring hand-washing and checking the distance between kitchens and latrines. The activities are among efforts by health NGOs and authorities to fill the gap between cholera-prevention messages and behaviour, after a 2008 epidemic killed some 220 people and infected at least 13,000.
The national flag is hoisted in front of the cleanest house, and the family is feted in schools and on local radio, Ingrid Kuhfeldt, head of NGO Plan International in Bissau, told IRIN. Plan International, which has been working in Bafata for 15 years, launched the scheme to prevent future cholera outbreaks.
"There is much more competition now on who has the best hygiene materials and the cleanest house – we hadn't seen this kind of rivalry before," Kuhfeldt said.
Children also try to dispel hygiene "myths" with families – for example that lemon juice can disinfect water – and show people how much chlorine to drop into a well to clean the water, Kuhfeldt said.
Rather than resenting the children, adults listen, partly because of children's rising status in society over recent years, according to Kuhfeldt. "[People] have a growing respect for their children having seen them make speeches in front of audiences in schools, heard them on the radio and seen them set up committees," she said. "They're starting to realize they can learn from [the children]."
In Guinea, with the support of aid agencies and the local health services, a local radio station in Kindia helps spread hygiene messages through radio spots and village contests. A team from the radio station organizes public games in remote communities, quizzing people on hygiene and cholera prevention and asking people to make up songs on a hygiene-related theme, according to Aboubacar Sylla, head of programming at the station. Prizes include radios, water buckets or farming tools.
"Hundreds of people come out for these activities; people really like it," Sylla said. "And it is quite interactive; we encourage everyone to talk about the subject at hand."
Bafata and Kindia recorded no cholera in 2008, despite infections in neighbouring regions.
Source: IRIN, 15 Oct 2009


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Summerlander wrote:Something is nothing and nothing is something
You'd think my statement above is somewhat paradoxical, or nonsensical even but something rings true. Read it forwards and backwards and it is exactly the same.
Indeed, anything could be said about anything
Anything about said be could anything
Anything about said be could same
About anything said could be same
Nah, it doesn't work...
I'm sorry, I'm just messing
ps. somewhere I need to believe that I'm Jigsaw or Darth Vader.
Oh, it's SL again... Right on time to twist my words around. What a surprise Let me give it a try...
Guess what, every single equation equals numbers that are below 5. Lets reverse them...
LOOK AT THAT! No matter what, the number 1 is ALWAYS in the middle. Fascinating.
I'm just messing with you, too, 'ol chap!


text:
Since starting the cooler category in 1947, the Igloo brand has been synonymous with durability, quality, and there is a reason it remained the #1 brand in the coolers industry worldwide.
Igloo is the most popular cooler brand in the US, as research shows that three in every four U.S. households own at least one Igloo.
Chill out- Wholesale Marine carries a full line of Igloo Marine Coolers, Parts, and Accessories for your needs. Igloo's efficient Igloo Marine Coolers feature an Ultratherm insulated cooler body, UV inhibitors, and an ergonomically curved back or grip handles for comfortable, easy carrying.
Igloo Marine Wheeled Coolers are stylish and sleek, and are great for marine use. They are also an ideal size for food and drink to enjoy with your friends and loved ones on the boat, or for holding your catch. The elevated cooler base minimizes contact with the ground and hot surfaces, extending cooling performance.
Don't let wet conditions trip you up, the non slip comfort swing up handle adds comfort and improved grip. Side handles also allow for optional two handed carrying and easy lifting in and out of vehicles. Igloo Yukon Coolers are rock solid and the perfect size for a getaway to the backyard or back 40, a weekend at the cabin, or a quick trip on the family boat. Enjoy a true full capacity design that allows you to haul more than other coolers.
All prices are in USD. © 2018 Wholesale Marine. Sitemap


text:
Clearinghouse for Professional Development:Internet/Intranet Technology
Developer Shed
Contents: " ... offers tutorials and timely articles, covering programming and developer related topics, computer hardware and gadget reviews, developer scripts, search engine optimization tutorials, and web hosting."
Source: Varies.
Cost: Articles and forums are free, as are some scripts. Charges vary for commercial scripts.
Microsoft TechNet
Contents: Provides technical information and assistance with Microsoft products.
Source: Microsoft.
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CERT Coordination Center
Contents: The Center studies Internet security vulnerabilities, provides incident response services to sites that have been the victims of attack, publishes a variety of security alerts, ...
Source: Software Engineering Institute, Carnegie Mellon University
Cost: Free.
Java Security Website
Contents: Provides access to articles on Java security. Includes links to commercial sites and available books for sale.
Source: Dr. Gary McGraw, Reliable Software Technologies; Professor Ed Felten, Princeton University.
Cost: Free.
Public Domain Security Software
Contents: While this site does not list commercial products, it does include links to sites that do.
Source: Center for Information Technology, National Institutes of Health, Bethesda, MD
Cost: Free.
Virus Information
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Contents: Provides alerts and information on viruses and virus hoaxes, etc.
Source: McAfee.
Cost: Software updates are free to current users. Charges for virus blocking and other software.
- Symantec
Contents: Provides security alerts, news, and security products.
Source: Symantec Corporation.
Cost: Removal tools are free. Charges for virus blocking and other software.
Clearinghouse for Professional Development | Education Committee


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Symptoms of appendicitis usually begin with pain around the umbilicus that intensifies over several hours and moves to the lower right quadrant of the abdomen. This area will be very tender to even light pressure, and you may notice your child holding or protecting it. A decreased appetite, vomiting, and fever are frequently present. Diarrhea may be present as well, and extending the right leg may make the pain worse.
An inflamed appendix can burst, causing a life-threatening infection of the abdominal wall. If this happens, your child will rapidly become very ill, with a fever, pale color, and severe abdominal pain. Although a complaint of continuous abdominal pain is a key indicator of appendicitis, some children experience a milder onset of pain that comes and goes over several days before settling in as constant and severe. If you suspect appendicitis, seek immediate medical care.
Conventional Treatment
In order to diagnose appendicitis, a doctor will want to know details of when the pain began and the location and quality of the pain. Your doctor will do an abdominal and rectal exam, take a sample of blood to look for signs of an infection, and might order an x-ray or ultra-sound scan to look for signs of blockage or inflammation.
If a diagnosis of appendicitis is confirmed, surgery to remove the inflamed appendix is the recommended course of treatment. Because of the danger that the appendix may rupture, surgery is usually done soon after the diagnosis is made.
To lower the risk of infection, your child may be given antibiotics before and immediately after surgery. If his appendix has ruptured, your child will definitely need intravenous antibiotics, and may need to be hospitalized for one to two weeks.
Because of the surgery and the manipulation of your child's digestive tract, the intestines will slow down, and may even stop moving for a day or two. Your child may have a nasogastric tube, a tube placed in the nose and down into the stomach, that uses suction to pull the contents of the stomach out of the body. This prevents nausea and vomiting. Except for an occasional ice chip, your child will not be able to eat or drink anything until his intestines begin working again. He will receive intravenous fluids to prevent dehydration and pain medication to help relieve discomfort.
Your child will have to get up out of bed and walk the day after surgery. Even though this may seem like a daunting task, the importance of movement cannot be overemphasized. Among other things, walking helps the intestines to begin working again, and helps to prevent pneumonia from developing.
Dietary Guidelines
Even after your doctor gives full permission for him to eat, your child may have little or no appetite. Begin slowly by offering clear liquids, such as broth, juices, and herbal teas.


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Jefferson City is a growing and vital city in the heart of Missouri and the Midwest with an ever-expanding economy. A beautiful and industrious city, Jefferson City offers much to its citizens and businesses. The many towns and communities in the area include Holts Summit, Wardsville, Taos, New Bloomfield, Centertown, California, Brazito, Eugene, Russellville, Jamestown and Linn.
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The Miracle Home® Program, exclusive to RE/MAX LLC., allows a RE/MAX Associate to make a donation on behalf of each transaction to Children's Miracle Network. The partnership underscores Sales Associate involvement in the communities in which they live and serve. RE/MAX Sales Associates are unique in that a majority of the donations received by Children's Miracle Network from RE/MAX are the result of Associates' hard work rather than solicited from customers.


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This is the seventh of a 12-part series breaking down the Florida football roster, looking ahead to 2014 and projecting how the Gators might look at each position.
This is the seventh of a 12-part series breaking down the Florida football roster, looking ahead to 2014 and projecting how the Gators might look at each position:
WHO'S GONE: No one.
WHO'S BACK: Junior Dante Fowler Jr., junior Jonathan Bullard, sophomore Bryan Cox Jr. and sophomore Alex McCalister.
WHO'S NEW: Redshirt freshmen Antonio Riles and Jordan Sherit. Two true freshmen — Taven Bryan and Justus Reed — will be added to the mix this summer if they follow through with their oral commitments and sign with UF in February.
WHAT'S NEXT: The Gators have two emerging stars at the end positions — Fowler and Bullard, who will be entering their second years as full-time starters after seeing considerable playing time as true freshmen two years ago. Bullard is strictly an end who is quick enough to rush the passer and strong enough to be a solid run stopper. Fowler has shown he's got the athletic ability (to go along with excellent size and strength) to play standing up as an outside linebacker and drop into pass coverage in certain situations. Fowler and Bullard give the Gators potentially the best pair of defensive ends in the SEC. Cox gained some valuable playing time behind Bullard as a redshirt freshman this past season and has shown he can give the Gators some quality reps. His playing time figures to increase in UF's rotating system on the defensive front. McCalister is still somewhat undersized at 238 pounds, but he did get some playing time late in the 2013 season and has a chance to see more time as he physically develops. The Gators will work to get their younger ends — Riles and Sherit — ready to contribute this spring, something that would give UF good depth at both positions.
THE SKINNY: The Gators certainly look strong (and quick) on the outside with Fowler and Bullard returning. Fowler became a consistent playmaker this past season as a true sophomore and the coaches expect him to become even more dominant as he continues to build his strength in the weight room. Bullard also should continue to progress as he enters his second season as the full-time starter. Depth is a little bit of a concern, but that could be alleviated if some of the young players come through and show the coaches they are capable of providing some quality minutes in a backup role.
Contact Robbie Andreu at 352-374-5022 or email@example.com. Also check out Andreu's blog at Gatorsports.com.


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Brad Pitt: LAX Arrival!
Brad Pitt grabs his luggage as he heads out of LAX Airport on Sunday afternoon (March 10) in Los Angeles.
The 49-year-old actor was returning from a trip abroad to Paris, France.
PHOTOS: Check out the latest pics of Brad Pitt
The day before, Brad was spotted stepping out of a car for a solo stroll in the city.
Brad's upcoming drama film World War Z hits theaters June 21st! We can't wait to check it out!
25+ pictures inside of Brad Pitt arriving back home in LA…


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The Cisco uBR7200 Series MC16U Broadband Processing Engine is a cable line card that brings new choices and capabilities to the Cisco uBR7246VXR Universal Broadband Router platform. The line card features dedicated media access control (MAC) layer hardware for maximum performance in large-scale cable deployments. The line card offers one downstream modulator, an integrated upconverter, and six upstream burst receivers on a single line card that embeds the most advanced RF capabilities for the Cisco uBR7246VXR.


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Wednesday's Afternoon Update
What you need to know about Florida today
Retailers go high tech to boost holiday sales
Retailers are using new technologies this buying season to separate consumers from their money and to fend off competition from both brick and mortar stores and online sellers. And the holidays will be a crucial test of whether many of these high-stakes gambles pay off. More at Forbes.
7 tips on how to market effectively to Hispanics
If you're not trying to sell your products to Hispanics, you're missing out. After all, Hispanic buying power in Florida more than doubled from $104.8 billion in 2010 to $212.8 billion in 2012, according to the Selig Center for Economic Growth. More at the Orlando Business Journal.
Florida Physicians Group Reports Patient Data Breach
A physicians group with offices throughout Southwest Florida has notified 4,400 patients that their protected health information may have been breached. The medical group said representatives from its office are now working with law enforcement, including the sheriff's office and the Internal Revenue Service More at the Insurance Journal and the Sarasota Herald-Tribune.
Holiday shoppers, beware — knockoff goods can cost you dearly
It might seem like a bargain. It might look pretty. It might even look like the genuine article. But as the annual holiday shopping frenzy starts this week, federal authorities are warning South Florida consumers to be on the alert for knockoffs and counterfeit products they say are a ripoff and could even be dangerous. More at the South Florida Sun-Sentinel.
Florida banks slow lending, boost profits in 3Q
Florida-based banks dialed down their loan growth in the third quarter amid a tough interest rate environment, but they boosted their profits. The state's banks increased their loans by a total of $252 million, or just 0.3 percent, during the third quarter, according to new data from the Federal Deposit Insurance Corp. More at the South Florida Business Journal.
In case you missed it:


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LocationPittsburgh PA
1580 SR 65 South
Ellwood City, PA 16117
New 2018 Prime Time RV Avenger ATI 27DBS
This Prime Time Avenger ATI bunkhouse travel trailer model 27DBS is great for a growing family, or one that likes to take along a few extra guests. This unit features a set of double bed bunks, a large slide out, and an outdoor kitchen to enjoy!Step inside and take notice of the large slide out 87" u-shaped dinette and sofa with overhead storage. Each provide ample seating for everyone. To the right of the entry door there is a handy coat rack before heading into the front master bedroom. Inside the bedroom find a comfortable queen size bed with dual bedside closets, plus overhead cabinets for added storage.The kitchen can be found to the left of the entrance and features a double sink, a three burner range, refrigerator, and overhead storage for dishes and things. There is also an entertainment center that can easily be viewed from anywhere in the room.The rear left corner features a set of double bed bunks. A wardrobe off the foot of the bunks is great for your clothing storage. The right rear corner features a complete bath with tub/shower, toilet, and corner vanity with sink. On the outside of this Avenger ATI there is an outdoor kitchen for the chef in the family to enjoy. Here you will find a refrigerator, a single sink, and two burner cook-top, plus so much more!
Stock# 24656
Exterior Color:
Interior Color:
|0 ft
|Ext Width
|8 ft
|Ext Height
|10 ft 8 in
|Interior Color
|Exterior Color
|Hitch Weight
|721 lbs
|Dry Weight
|6652 lbs
|Cargo Weight
|2869 lbs
|Fresh Water Capacity
|48 gals
|Grey Water Capacity
|64 gals
|Black Water Capacity
|34 gals
|Tire Size
Scan this QR code with your smartphone to save this page and have mobile access to this unit's information.
Whether you are considering the purchase of your first RV or your next RV, we are confident you will enjoy the following advantages of Prime Time Manufacturing:
Prime Time Manufacturing understands the critical elements of designing a winning recreational vehicle – floorplan, eye appeal, storage, and convenience. However, the true genius is in the details. Is every inch of storage space fully utilized? Is there adequate pantry space for both tall and short items? Where do you put your trash can? Does each feature maximize user comfort and convenience? Are the decors residential yet durable? We have spent years listening to customers talk about what they want in the "perfect" RV. Drawing on that feedback, countless hours are incorporated into dissecting every detail to fully maximize the enjoyment each of our models will provide. We are fanatical about design because we want to ensure that our RVs will EXCEED your expectations.
Prime Time Manufacturing chose to headquarter its operations in Wakarusa, Indiana, the center of northern Indiana's Amish community. This is an area where old world craftsmanship, traditional work ethics, and doing things the "right" way are still emphasized and valued. Our executive management team has over 100 years of manufacturing experience that allows Prime Time to engineer and build an RV that will withstand the test of time. Every unit we ship is put through a rigorous 65 point system inspection at our factory AND at your selling dealership to make sure your first camping adventure is memorable for all of the right reasons. Finally, we provide a comprehensive Emergency Roadside Assistance program for your additional safety, convenience, and peace of mind. For us, quality isn't just a slogan, it's our culture.
Prime Time Manufacturing is a division of Forest River, Inc, one of North America's largest producers of towable recreational products. Because of our tremendous corporate sales volume, we are able to leverage massive purchasing power to produce an RV with more features for the money than any other company in the industry. We also operate with extremely low overhead. You won't find Prime Time advertising in national trade magazines or traditional media sources – we rely on good old fashioned word of mouth advertising. Our dealers aren't rewarded with luxurious trips or outfitted with fancy wardrobes – they only get high quality, fast selling RVs that are priced lower than the competition. We understand that the purchase of your next RV is one of the most important decisions you will make and we are committed to giving you the best value for your hard earned dollar.
*All calculated monthly payments are an estimate for qualified buyers only and do not constitute a commitment that financing or a specific interest rate or term is available. Financing terms may not be available in all Campers Inn locations. Campers Inn RV Sales is not responsible for any misprints, typos, or errors found in our website pages. Any price listed excludes sales tax, registration tags, and delivery fees. Manufacturer pictures, specifications, and features may be used in place of actual inventory in stock on our lot. Please contact us for availability as our inventory changes rapidly.


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3 Hanging Blessing Angels
Reflections, Peace, Angel of Tenderness
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Customer Reviews (20)
- Excellent charge comboReview by David
Value Service Quality
- Excellent Review by Reece
Value Service Quality
The higher wattage was what I was after and it delivers.
The customer service was fantastic, I had a few questions relating to the product, and they answered within 24 hours. I couldn't be happier.
I've trailed the charger for a few weeks now and have had no issues at all.
The power supply is a tad on the loud side due to the fan is always on, however, this fan is totally necessary because those higher amp draws create some heat.
A message to any UK buyers, customs will add around £25 to this package due to import tax, but this is completely reasonable due to the excellent product you're purchasing! (Posted on 5/29/2014)
- Great combo!Review by Mike Pendy
Quality Value Service
- Great charger comboReview by Andre Comeau
Value Service Quality
- "THE SOLUTION" 1000W COMBO Review by Rufus f150
Value Service Quality
- retiredReview by chuck burnett
Service Quality Value
- solution combpReview by Doug Gailey
Quality Value Service
- charging StationReview by Ron
Quality Value Service
- solutionReview by carl
Quality Value Service
- spot onReview by richard
Value Service Quality
Thanks for the help (fly time) Dave
Rich (Posted on 9/14/2012)
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5 Things Never to Say to Your Insurers
5 Things Never to Say to Your Insurers
Some words are red flags to insurers and using them could mean that your claim might be delayed or even denied.
1. "I Think ..."
Never begin a statement regarding a claim with these words. If you aren't sure, don't guess. What you say could cause your claim to be delayed or denied, says attorney Vedica Puri. And if you're wrong -- say, you report driving at 30 miles per hour before an accident but police later prove you were going 50 -- it could hurt your credibility.
Particularly beware of speculating on blame or causation. For example, if you suggest that a water leak is due to a construction defect, you could give the insurer an out if that's a policy exclusion.
Stick to the facts. Should the insurance rep ask you a question you can't answer, simply say, "I don't know." If the person is taking a written or recorded statement, ask for a transcript to review for misstatements.
2. "I Got Whiplash"
Fraud costs auto insurers up to $6.8 billion a year, reports the Insurance Research Council. And suing for damages caused by whiplash is a fraudster favorite ("Oh, my neck!"). Merely mentioning the term is likely to get your claim flagged for further investigation, says Amy Danise of Insure.com.
Whiplash is a specific diagnosis. If a doctor says that you have it, then you should report it as such. Other wise, if you feel neck pain, just refer to it that way.
3. "It's an Experimental Treatment"
Truly experimental or investigational medical procedures are typically not eligible for health insurance coverage. So if a doctor tells you he wants to experiment with a treatment, don't represent it using those words. "In medical terms it may not actually be experimental or investigational," explains Danise. "If it's proven effective, your doctor deems it medically necessary, and it's not an exclusion, it should be covered." Verify with your doctor that it meets the above litmus tests before going to the insurer.
4. "My Basement Flooded"
With homeowners insurance, "flood" is a red flag. "The word refers to an act of weather or an overflow from a nearby body of water," says Danise. "And a standard homeowners policy doesn't cover it. You'd need flood insurance."
So don't use the f-word if your basement is knee-deep in water because of a burst pipe. Damages from such an incident should be covered by a homeowners policy. But calling it a "flood" could muddy the waters, so to speak.
5. "Just Send Me a Check"
When filing a home or auto claim, don't emphasize that you're just looking for the cash.
"If you were to say, 'I don't care about the roof leak, I just need the money,' that admission could slow things to a halt," says Puri. Technically, you're supposed to use the payout to make the repair for which you filed. While it's true that most insurance companies aren't going to check up on you, you'll certainly raise the fraud unit's suspicions if you imply that you won't. And then you might lose out on the money altogether.


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A Russian entity launched a campaign using Facebook, Instagram, Twitter, YouTube, Tumblr and even Pokémon Go in an effort to spark divisiveness during the 2016 U.S. election, according to an investigation by CNN published Thursday.
Pretending to be part of the Black Lives Matter movement, the Russian-linked account aimed to exasperate racial tensions among Americans, according to the investigation.
The campaign was called "Don't Shoot Us"; the entity itself is believed to be the Internet Research Agency, a Kremlin-linked "troll farm," as described by CNN.
The account, which repeatedly published about stories of police brutality, has now been suspended across all platforms.


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J.C. HoltAtlanta Braves
Second Baseman | Ht: | Wt:
|Braves | Holt to play in Arizona Fall League
Mon, 27 Aug 2007 18:50:12 -0700
Tom Keller, of Braves.MLB.com, reports the Atlanta Braves will send IF J.C. Holt to the Arizona Fall League.
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|Braves | Holt impressive in AFL play
Sun, 26 Nov 2006 17:14:23 -0800
Braves.MLB.com's Kristen Zimmerman reports Atlanta Braves minor league 2B J.C. Holt hit .388 in the Arizona Fall League playing for the Peoria Javelinas.
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Dean O'Gorman plays Fili, one of the younger dwarves in "The Hobbit: An Unexpected Journey." (Laura Forest / Air New Zealand; Warner Bros.)Link
John Callen as Oin, left, Dean O'Gorman as Fili, Aidan Turner as Kili and Stephen Hunter as Bombur in "The Hobbit: An Unexpected Journey." (New Line Cinema / MGM / Warner Bros.)Link
Dean O'Gorman plays Fili, left, nephew to dwarf king Thorin Oakenshield, played by Richard Armitage, in "The Hobbit: An Unexpected Journey." (New Line Cinema / MGM / Warner Bros.)Link
Peter Jackson and the dwarf actors on the set of "The Hobbit: An Unexpected Journey." (New Line Cinema / MGM / Warner Bros.)Link
Dean O'Gorman as the dwarf Fili. (Warner Bros.)Link
Aidan Turner, left, Graham McTavish, Dean O'Gorman, John Callen and Sylvester McCoy pose on board the "Hobbit"-themed Air New Zealand plane that brought them to the film's world premiere in Wellington on Nov. 27. (Laura Forest / Air New Zealand)Link
Dean O'Gorman arrives at the world premiere of "The Hobbit: An Unexpected Journey" in Wellington, New Zealand on Nov. 28. (Hagen Hopkins / Getty Images)Link
For Dean O'Gorman, the young New Zealand actor who plays the dwarf Fili in "The Hobbit: An Unexpected Journey," one day on set encapsulated his awe at being involved in the massive production.
O'Gorman and fellow dwarf actors James Nesbitt, John Callen and Aidan Turner were dropped off on a mountain in New Zealand's South Island. The four actors, in full costume, made their way up a hill while second-unit director Andy Serkis filmed them from a circling helicopter. It was then, O'Gorman said, that the actors began humming the theme from "The Lord of the Rings" films.
"We were just kind of unconsciously doing it, and then we realized we were doing it, and then we were laughing," said O'Gorman. "And it's little moments like that when you sort of realize, 'We're in a Peter Jackson movie. Oh my God.'"
PHOTOS: 60 images from 'The Hobbit'
O'Gorman, 36, is one of the younger actors in the company of dwarves who make their way through the Misty Mountains to reclaim their homeland from the terrible dragon Smaug in the J.R.R. Tolkien tale. Joining them on their journey are wizard Gandalf the Gray and hobbit Bilbo Baggins — the role O'Gorman originally auditioned for.
"I pretty much forgot about it, because I didn't really have any high hopes," O'Gorman said.
Nearly a year after the audition, he was "stunned" to receive a phone call from writer-producer Philippa Boyens, who told him he was being considered for the role of Fili, nephew of dwarf king-in-exile Thorin Oakenshield (Richard Armitage) and older brother to Kili (Aidan Turner).
PHOTOS: Meet the dwarves from 'The Hobbit'
"That relationship triangle does offer a lot of content," O'Gorman said. "Especially the journey that Thorin goes on — Fili and Kili relate. They're very much involved in Thorin's journey, and that dynamic gets involved throughout the movie."
Because of their youth, speed and keen eyesight, Fili and Kili get sent out on their own on reconnaissance missions. Fili is the careful older brother, he said, and Kili is more reckless.
"He's younger and takes more risks," O'Gorman said. "Consequently Fili has to keep an eye on Kili."
Together, the brothers are the youngest dwarves in the company, and as many "Hobbit" enthusiasts have noted, the sexiest.
"I think that's pretty relative," O'Gorman said, laughing. "I mean, we're a company of dwarves. The bar's not set very high. … I think the idea was as you get older, your beard gets longer, and your nose gets bigger, but when you're younger, you've got a smaller nose and less facial hair."
While other dwarf actors wore enveloping whiskers and bulging prosthetic foreheads and noses, O'Gorman and Turner had fewer prosthetic pieces to deal with — nose extensions, fake hands and hairpieces with ears.
"You want to think that as an actor, your character and the character decisions that you make is the main thing, but with this job … a lot of things were physical requirements that had to be first dealt with," O'Gorman said. "Like how to hold your pipe without dropping it because you've got fake hands, or how to use your voice, because your fake ears are changing the sound of your own voice. So all these things you have to work with even before you get to, 'How do I say this line?'"
O'Gorman's previous roles were primarily for television, including popular New Zealand series "The Almighty Johnsons" and "Young Hercules."
"I had done some fantasy stuff, but nowhere near to the scale of this," he said. "So much of it was surreal. … The strange thing is the more we would all work on it, we would forget after a while, and things would seem normal. And then maybe your parents or a friend would come to see it, and you'd see them looking around with a sort of gobsmacked look, and it would remind you of how wacky and how epic the world is."
O'Gorman credits Serkis, who directed smaller scenes in the film, with helping him make the adjustment.
"The first person I worked with was Andy," O'Gorman said. "Second unit was still the biggest crew that I'd worked on, but it was relatively smaller than main unit, so it was a way of easing into the process. I really loved working with Andy. It's interesting to be working with a director who is also a very talented actor. He's got a really good way of speaking to actors, and I'm guessing that's because he himself is one. … Andy was really great at making me feel less bewildered."
Some of the more challenging days on set involved the green-screen shoots, he said.
"It definitely gives you an appreciation for the fantasy in these big movies, effects and stuff," he said. "Me and Aidan were acting to literally a tennis ball on a stick, or fighting things that weren't even there. Sometimes it wasn't like we were fighting a stuntman who would later turn into an Orc. You know when you're a kid, you would play war and fight invisible people? On set it was sometimes like that. People would be like, 'Just take a swing at the Orcs above your head, and we'll add them in later.'"
As for O'Gorman's next step after "The Hobbit"?
"There's no job you can compare this to," he said. "Maybe next time I'll work on an indie movie, and I'll have to bring my own costume."
— Noelene Clark
PHOTOS: Meet the dwarves from 'The Hobbit'
Tami Lane on dwarf wrangling, silicone magic
Peter Jackson talks Smaug cameo in first film
'Hobbit' offers more 'sophisticated' Gollum
Peter Jackson has 'absolute belief' in 48 frames
Peter Jackson's unexpected journey to three films
New Zealand releases Tolkien-themed coins
Peter Jackson tours the Shire and beyond
Happy birthday, Peter Jackson, and happy flying
Peter Jackson to craft sound in Dolby Atmos