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Document Type : CASE STUDY
Ana G. Méndez University, Virtual Campus, San Juan, Puerto Rico
BACKGROUND AND OBJECTIVES: Solid waste management which entails the generation, storage, collection, transportation, processing, treatment and disposal of waste products is regarded as a challenge to many countries worldwide. The focus and methods vary in all territories given the wide range of factors which influence waste management. Small Island Developing States face unique challenges which are influenced by their peculiar physical, economic, social, political and institutional characteristic. Consequently, they require a solid waste management system tailored to their unique requirements.
METHODS: Qualitative and quantitative data were gathered between February and November 2019 from various primary and secondary sources using the following instruments and techniques: literature review of reports, news articles, legislation, journals and case studies; on-site observations; and administering questionnaires in the study area in October 2019. The study area comprised 3 communities which were representative of the waste management district, and were selected using the purposive sampling method, while the sample size of 0.3% of the households in the study area was selected randomly by administering questionnaires to anonymous respondents in arbitrary households in the communities. Using descriptive methods, data was tallied and grouped, then the content analysed to determine patterns, to answer questions to the problems and to determine relationships and themes. Findings were summarised, simplified and presented in formats such as graphs and tables and written descriptive accounts.
FINDINGS: Solid waste management affects all countries irrespective of their level of development. The focal point varies across societies. Small Island Developing States have a unique challenge posed by their particular characteristics. Given that each territory has a peculiar mix of factors, any solid waste management system derived must be exclusive to each. There is no single, ideal system which can be proposed. Whatever the system decided upon, it must encompass the socioeconomic, cultural, economic, legislative, institutional and environmental context of the territory, but most of all it must be accepted by the majority of stakeholders.
CONCLUSION: A solid waste management system must be unique to each area, given that there are many dynamic variables which affect the system. Consequently, the system derived from this study can only be applied in its entirety to the study area. Other areas with similar characteristics can lend examples from the study area.
Graphical Abstract
- The provision of free, curb side garbage collection was a deterrent to waste reduction in many SIDS.
- The solid waste management culture in many SIDS was affected by the fact that many stakeholders were only willing to adapt to a system which was convenient to them;
- Solid Waste Management was unique to each territory and was dependent on the specific territorial context, therefore no particular model could be designed for SIDS;
- A successful solid waste management system must consider all the processes in waste management but most importantly generation.
- Environmental education
- Small island developing states (SIDS)
- Solid waste management (SWM)
- Sustainability
- Waste reduction
Main Subjects
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Health & Safety Competent Person Package
Every employer is required under law to appoint a Competent Person (or Competent Persons) to assist them meet their legal health and safety obligations. This is a requirement under the Management of Health & safety regulations 1999. This means an employer must appoint someone competent to provide sound advice on all matters of health and safety.
Within the UK it is a mandatory legal duty to appoint a competent person or persons. An employer who has not made an appointment of a suitable person to fulfil the role is in breach of a statutory duty under health and safety legislation and therefore becomes liable to criminal prosecution.
The appointed Competent Person may be an internal appointment supported by external expertise or an external appointment. In either case as professional health and safety consultants we can provide a competent person package so that you are able to meet this most fundamental obligation.
With the Competent Person Package the employer appoints TCH Safety Health and Safety consultants to act as their competent person. This may be a very suitable option for small businesses who do not have the resources, or who do not have someone sufficient competent in health and safety, to make an internal appointment. The basic package entitles you to use the TCH Safety name and access to telephone support and advice. Once payment is complete a letter of appointment and contact details will be emailed to you.


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Established in 1982, L'Imparfairt restaurant welcomes you to a little taste of heaven tucked away in the warmth and charm of Old Bergerac.
Combining fresh traditional ingredients and modern techniques, with an emphasis on subtle flavours, our chef creates exciting menus which change frequently according to the seasons. The results are simply wonderful food, served either in the Xllth Century stone-walled dining room or on the colourful, shaded street-side terrace.
Whether you are entertaining, celebrating or simply looking for an intimate dining experience we can offer you a meal to remember.


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Nike, Jordan Brand and Dior along with the help of Travis Scott have officially unveiled the 'Air Dior' Collection which is scheduled to release later this year.
Not only is the Air Jordan 1 High and Air Jordan 1 Low releasing, but a capsule which will include wool suits, bomber jackets, blazers, hoodies, sweatshirts, shirts, shorts, polos, pants and leather products. The collection will come in Navy, White and Dior Grey while inspired by Michael Jordan's sportswear from the 80s.
Dior Air Jordan 1 Air Dior Collection Release Details
You can expect the Dior x Air Jordan 1 'Air Dior' Collection to release at select Dior retailers and pop-up shops during July 2020. Once more information is available we will make sure to update. For now you can scroll below to check out more photos for a closer look.
Dior x Air Jordan 1 Air Dior Collection
Release Date: July 2020
Update (7/3): According to chairman and CEO of Christian Dior Couture, Pietro Beccari, five million people signed up for the raffle to buy the Dior Air Jordan 1s, this was also confirmed by WWD. Only 8,000 pairs of the Air Jordan 1 High ($2,200) and Air Jordan 1 Low ($2,000) was available. There was an additional 5,000 pairs that were given out to Dior's top clients.
The Dior apparel capsule collection is scheduled to on July 8th at select Dior stores.
Update (6/22): After the delay of the Dior x Air Jordan 1 collection due to the current pandemic, a release looks to be taking place soon. From Dior, both the Air Jordan 1 releases will be launching via 'exclusive online experience'. Although a release date for the shoes has yet to be announced, the apparel and accessories will launch at four of the brand's boutiques on July 8th. The collection will debut at Dior locations at Beverly Hills Rodeo, Miami Design District, New York Soho and New York 57th Street.
Update 4/17: Although a release date is not available for the Dior x Air Jordan 1 collection, we continue to receive additional images. We now have a look at some of the items that will be included which includes a sweater vest, bomber jacket, knit sweater, button-up shirt, t-shirt, basketball shorts and accessories. Once more information is available, we will make sure to update.
Update 3/17: To ensure the safety of all, in accordance with recommendations by public authorities, and in order to reinforce the coordination of international measures, Dior has decided to postpone its international draw for the launch of the Air Dior capsule collection realized in collaboration with Jordan Brand.
This draw includes a chance to win entry to a global network of exclusive Dior pop-up and pop-in locations, whose openings have also been postponed in the context of current guidelines, to protect our customers and collaborators.
A new date for the Air Dior launch and for the pop-ups dedicated to this unique collaboration will be announced in function of how this situation evolves.


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1) Tarnished plant bug
- Adults are up to 1/4-inch in length and have a flattened oval appearance and a mottled brown color. Plant bugs can be a major peach and plum pest and are a difficult pest to detect and control.
- They are most active from the bloom stage to 5 to 10 weeks after bloom. They pierce and feed on blossoms and fruit causing deformities, shallow depressions, and fruit drop.
- Strings of oozing gum are often visible around feeding sites on fruit.
- To protect your crop from this pest, control weeds around trees, especially wild mustard, a preferred host plant. Apply a registered insecticide during the pre-bloom and petal fall periods when the pest is identified as a problem.
2) Oriental fruit moth
- Is considered a damaging pest. The larvae kill shoot tips and invade the flesh of the peach.
- Three or more generations develop in Maryland. This pest prefers peach trees to plum and cherry.
- Larvae of the early generations burrow down from the shoot tips and stunt extension growth. The larvae of later generations enter the fruit so that, by harvest, the fruit either falls to the ground or is wormy and useless.
- Larvae sometimes enter through the green fruit stem and no visible sign of internal injury is present.
- More often, you will notice scattered deposits of gum (thick sap) and frass (larval excrement) on the fruit surface.
- Prune out and dispose of wilted tips, 6 inches below visible damage.
3) Peachtree borers and lesserpeach tree borers
- These are two similar pests that attack different parts of peach trees.
- Peachtree borer larvae grow into thick-bodied 1-inch-long larvae with brown heads that burrow through the inner bark of peach and nectarine trees at or just below the base of the tree. One borer can kill a small tree; two or more may kill larger trees.
- The lesser peach tree borer adult lays its eggs on the trunks and limbs of peach and nectarine trees, often in or around wounds and cankers caused by the Leucostoma fungus.
- The activities of both borers result in the oozing of amber gum by the peach tree, which often contains sawdust-like insect frass (larval excrement).
- The gum is produced by the tree as a defensive response to the injury.
- Where lesser peachtree borer wounds are found on small branches, they should be cut out and destroyed.
Adult borers (moths) begin emerging in late May to early June and can be found through September. The female adult is a large, blue and orange, a clear-wing moth that mates and lays eggs (mostly at the base of trees) soon after emergence. Larvae feed in tunnels below the bark and overwinter in trees, renewing activity in early spring.
Non-chemical management of peach tree borers
- Borers attack stressed trees. Keep peach trees in good health through proper planting, watering, fertilization, pruning, and pest management.
- Monitor for borer holes. In May, scrape away gum and dead bark from the lower trunk and large roots. Come back in 1 week and look for new gum and frass deposits. Make vertical cuts with a sharp knife through these entrance holes. Then, insert a stiff thin wire and stab larvae; repeat in 1 week and then mound soil over the damaged area (if low on the trunk).
- Wrap a band of corrugated cardboard on the lower trunk below soil level to prevent egg-laying or to trap larvae before they tunnel into the tree.
- Where holes and frass are observed but no sap is oozing from the tree, beneficial entomopathogenic nematodes may be used as a drench applied to the trunk or injected into borer holes.
- Bt can also be injected into borer holes with a syringe.
4) Plum curculio
Non-chemical management of plum curculio
- Hang plastic traps (empty 2-liter soda bottles) filled halfway with molasses, vinegar, and water, from tree limbs at petal fall.
- Cover individual fruits after pollination with small paper bags.
- Remove infested fruit from the tree.
- Lightly cultivate soil prior to budswell to disrupt/kill overwintering adults.
- Keep trees pruned and open (curculios prefer deep shade).
- Lay a white sheet under trees, tap limbs with a padded stick, and capture adults when they drop to the ground.
5) Cherry fruit fly
A common pest of sweet cherry and tart cherry fruits.
- Adult flies emerge from pupal cases in May. Adults feed in trees, mate, and then females lay eggs on ripening fruits.
- The larvae are 1/4-inch long, legless, and white to yellow in color. They feed singly on fruit pulp for up to 2 weeks.
- They complete their lifecycle when infested fruits fall to the ground.
- Hang sticky yellow traps in trees and monitor for the appearance of adults.
- They are two-thirds the size of houseflies and have dark bands on their wings.
- An insecticide should be sprayed five days after adults appear on traps.
- Laying a tarp or weed barrier fabric directly on the ground under the canopy in early May will prevent the adults from emerging.
- Promptly remove all infested fruit from the ground and the tree.
6) Japanese beetles
- They skeletonize the leaves (feed between the leaf veins) of stone fruit trees, especially sweet and sour cherry and Japanese plum.
- Knock Japanese beetles into a bucket of soapy water.
- Where feeding is severe, carefully use a labeled organic or chemical insecticide.
- Avoid Japanese beetle traps, because they tend to attract large numbers of beetles which can lead to additional plant damage.
7) Brown Marmorated Stink Bugs
Stink Bugs - Vegetables and Fruits
8) Spotted wing drosophila (SWD), Drosophila suzukii
9) Fruit flies, yellowjackets, other wasps, and hornets
These insects will hover around ripe fruit. Do not allow any fruit to become overly mature on the tree and pick up fruit that drops to the ground. Do not use insecticides.


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The Karth family – a Rocky Mount, North Carolina family who lost their two teenage daughters in a 2013 truck crash – will travel to Washington, D.C. Friday March 4 to deliver a Vision Zero petition with over 20,000 signatures to the Department of Transportation.
Motor vehicle crashes are a leading cause of death in the United States with 33,000 people killed in crashes each year.
The Department of Transportation currently makes highway safety rules based on a cost benefit analysis resulting in many highway safety measures being blocked.
The petition, launched in 2015, urges Department of Transportation and the Office of Management and Budget to change that practice, and move toward a Vision Zero safety strategy model with goals of: Zero Deaths, Zero Serious Injuries, Zero Fear of Traffic.
The petition calls for changing rulemaking policy to move away from a cost/benefit model and adopt a more humanistic, rational Vision Zero safety strategy model that will impact all DOT safety regulation.
Specifically, the petition also calls for applying Vision Zero principles initiating rulemaking to require forward collision avoidance and mitigation braking on all new large trucks and applying Vision Zero principles by requiring crash test-base performance standards for truck side and rear underride guards.
In addition to delivering the petitions to and meeting with Transportation Department Director of Public Engagement Bryna Helfer and a group of policy officials, the Karth family will meet with several Members of Congress and their staff including Senators Richard Blumenthal (D-Connecticut), Richard Burr (R-North Carolina), Johnny Isakson (R-Georgia) and Ed Markey (D-Massachusetts), and Congressmen Matt Cartwright (D-Pennsylvania), Renee Ellmers (R-North Carolina) and George Holding (R-North Carolina).
In May 2013, the two Karth children — AnnaLeah (17) and Mary (13) Karth — were riding in the back seat of the family car.
Their mother — Marianne Karth — was driving. Her son — Caleb — was riding in the front passenger seat.
The family was heading to Texas to celebrate the graduation of the older Karth children. (Marianne and her husband Jerry have nine children.) They were driving through Georgia, travelling on a divided highway — with two lanes going south and two lanes heading north. They were in the right lane heading south.
"We made it to a point where we came upon slow traffic," Marianne Karth said in an interview last week. "There was an accident ahead. It was two hours earlier two miles ahead. We were in the right lane. We later found out from a truck behind us that a truck was coming up on our left side. He wasn't slowing down."
"It was around Greensboro, Georgia. The truck that was coming up on us hit our car and spun us around. He wasn't going to be able to stop his truck in time. The charge against the truck driver was failure to maintain lane. Yes, he was coming up on the left lane. And he hit us, it spun us around, he hit us again. I don't know if you have seen the pictures of the accident. But it pushed us backwards under the truck in front of us. And Mary and AnnaLeah were in the back seat."
The car was pushed back side first under the rear of the truck in front of you. And the two girls in the back seat of your car were killed?
"Yes," Karth said. "The underride guard on the back of the truck failed. That was a revelation learning about that and how the current federal standards are weak and ineffective."
"We have talked with engineers who have ideas on how to make the underride protection effective. You should be able to survive rear ending a truck."
"AnnaLeah died from mechanical asphyxia. She was crushed so she couldn't breath. From the autopsy, she was scalped. Mary's whole face was crushed. All of the bones in her face were broken. Her carotid artery was severed. She had several strokes. Head injury."
"They had to take all four of us with the jaws of life. I felt like I couldn't breath. It took them about a half an hour to get me out. I was the last one out."
"My son had a concussion. He went in the same ambulance with the truck driver who hit us. It was very traumatic. He went to the emergency room. They discharged him. It took them a long time for them to locate my husband to be able to speak with him. I couldn't take care of my son. Here we are in Georgia where we knew nobody. My son was able to remember his brother's phone number in Texas. They were able to tell them where we were. For hours, the condition of the girls was unknown and where they were."
When did you learn about your daughters?
"It was so traumatic. I know that I had this sense of not being able to hear AnnaLeah. I couldn't hear their voices. I didn't know what happened. Our pastor in North Carolina and our previous one in Texas, they called pastors in Georgia. And one came to the hospital to be with Caleb and I. Once Jerry found out about AnnaLeah, he called and talked with the nurse. He had the nurse and pastor be with me and my husband told me on the phone. That's how I found out. Mary died a few days later from her injuries. She was in a hospital two hours away from where I was. And I never did get to go and see her. She was 13 years old — all by herself for a while. She was a Jane Doe."
Marianne Karth has been campaigning ever since the accident for stronger truck underride guards.
More than 400 automobile occupants are killed every year from underride accidents.
"The trucking industry has been fighting against truck underride prevention guards for decades," said auto safety advocate Byron Bloch. "When the National Highway Traffic Safety Administration (NHTSA) was first established in the late-1960's, one of its first rulemaking efforts was for underride guards for trucks, trailers, and buses. The trucking industry fought the rulemaking from its inception. Ironically, the Truck Trailer Manufacturers Association (TTMA) back in 1970 stated that they could do it, and make rear underride guards that could withstand at least 50,000 pounds of resistive force, but then they lobbied for a delay. Politics intervened, and underride guards were delayed for 20-plus years."
Because of this needless 20-year delay by NHTSA and the industry, I urged Congresswoman Patricia Schroeder to include truck underride in her December 1991 Hearings on "Automotive Safety: Are We Doing Enough to Protect America's Families?"
"I testified at the Hearings about truck underride and how to help resolve the issue, prompting Congresswoman Schroeder to demand that NHTSA finally issue a standard."
"However, when NHTSA issued the new Standards FMVSS 223 and 224 in 1995, it required a minimal resistive load of only 22,400 lbs., that could be as high as 22 inches above the ground, and did not extend the protection fully across the entire rear of the trailer. Trucks were excluded because, in NHTSA's strange rationale, only 25 percent of underride fatalities involved trucks. These FMVSS 223-224 rear guards were thus too weak, too high above the ground, and not full-width in their effectiveness to keep cars from crashing deeply beneath the trailer body. The deaths and severe injuries continued, despite the NHTSA requirement – which is only a minimum."
"What is needed are rear underride prevention guards that can withstand at least 70,000 lbs. across the entire rear of trucks and trailers, and that are 16 inches above the ground and that are strong from corner to corner across the entire rear of the trucks and trailers. And there needs to be underride prevention guards to prevent passenger vehicles from under riding beneath the tall sides of trucks and trailers, inasmuch as side underride tragedies are virtually as prevalent as rear underride accidents."
Bloch says that about 225 fatalities occur per year in rear underride accidents, and about the same 200-plus for side underride tragedies.
"This epidemic can be stopped, and must be stopped by a stronger NHTSA safety standard, and by an industry willing to cooperate," Bloch said. "All trucks and trailers must soon be equipped with strong, effective rear underride guards and side underride guards, all of which is technically feasible and economical."
Marianne Karth has helped organize an underride roundtable this coming May at the Insurance Institute for Highway Safety at their Vehicle Research Center.
"There is going to be a crash test of a new design," Karth said. "We have engineers, government officials, trucking industry representatives, safety advocates trying to come together and come up with a plan to get the most effective solution. We also inspired a senior design team at Virginia Tech. They took on underride design for their senior project this year. They are going to be presenting their design."
"But despite all of these moves forward, if the rulemaking is still held back by delays and opposition, like it has been in the past, all this work will not go anywhere. We can't depend on voluntary improvement to get everybody on board. Then there is the issue of retrofitting. We have been working with an engineer who has designed one that combined side and rear underguards. They can be retrofitted to existing trailers."
"If there is still resistance, all this work will get us nowhere."
"Who suffers as a result of all of these delays?" Marianne asks. "This rule back in 1998 – if the research that was known was included to improve the rule at that point, that was before Mary was born. There could have been stronger guards. My daughters might not be dead if all of this nonsense didn't keep happening — year, after year, after year."
[For the complete q/a format transcript of the Interview with Marianne Karth, see 30 Corporate Crime Reporter 10(12), March 7, 2016, print edition only.]


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Galion 3, Clear Fork 0
BELLVILLE — The Galion Lady Tigers wrapped their calender week on Thursday with a road trip to Bellville for a meeting with the hosting Clear Fork Lady Colts.
For the second time this season, Galion swept Clear Fork in three sets; 25-11, 25-16, 25-16. With the victory, the Lady Tigers now sit at 15-1 overall on the season and 9-0 in the Mid-Ohio Athletic Conference. The Lady Colts dropped to 3-13 with the loss, including a mark of 1-7 in league play.
Galion continued its' usual well-round attack at the net, recording 43 kills on 40 Kayla Hardy assists. The Tigers would also thrive at the service line, going 66/72 on the evening en route to 46 points and 14 aces. On defense, the victorious visitors collected five blocks and 31 digs.
Other stats from Thursday's victory were: Samantha Comer- 12 kills, 16/18 serving, 12 points, 5 aces, 9 digs; Kerrigan Myers- 5 kills, 1 block; Taylor Keeran- 9 kills, 9/10 serving, 6 points, 3 aces, 1 block; Jaden Ivy- 12 kills, 13/14 serving, 10 points, 4 aces, 3 blocks, 4 digs; Gillian Miller- 2 kills, 1 block; Brooklyn Cosey- 1 kill, 1 block; Hardy- 2 kills, 3/4 serving, 1 block, 6 digs; Kate Schieber- 5/5 serving, 3 points, 1 dig and Nicole Thomas- 20/21 serving, 15 points, 2 aces, 10 digs.
On Monday, September 30, Galion will play hosts to the Northmor Lady Golden Knights in non-conference play before hosting Shelby on Tuesday.
Galion 3, Harding 0
GALION — Following Monday's non-conference victory against the Upper Sandusky Lady Rams, the Galion Lady Tigers volleyball squad was back at it again on Tuesday on their home floor, playing hosts to the Harding Prexies in MOAC action.
The Lady Tigers would have no issues with their league foes, winning once again in straight sets; 25-7, 25-12, 25-9. Galion is yet to lose a set in MOAC play and improve to 15-1 overall with the victory and sit at 9-0 in conference meetings.
As a team on Tuesday, Galion collected 41 kills, four blocks, 39 digs and 37 assists while going 67/71 at the service line and racking up 40 points on nine aces.
Thomas would lead the way in the serving category, posting an impressive, 25/26 mark, good for 16 points and two aces. Thomas also collected six digs defensively for the Tigers in the win. Hardy had a well-rounded game, recording 31 assists as the primary ball handler while going 12/12 on her serves that led to eight points and four of the nine Galion aces.
Comer and Keeran both reached double-figures in the kills category on Tuesday, earning 11 and 10 kills, respectively. Comer also went 6/6 on her serves, finished with nine digs and recorded two assists. Keeran was 7/8 at the serving line, recording five points and two aces while also picking up three blocks and a dig defensively.
Other statistics in Tuesday's conference win were: Myers- 7 kills, 1 dig; Ivy- 9 kills, 1 block, 6 digs, 4 assists, 3/5 serving, 2 points; Cosey- 1 kill, 1 block, 3 digs; Ady Monk- 1 kill; Schieber- 14/14 serving, 9 points, 1 ace, 2 digs and Kierra Pigg- 1 dig.
Galion 3, Upper Sandusky 0
GALION — In a Monday, non-league contest, the Galion volleyball squad welcomed the Upper Sandusky Lady Rams to town.
The Lady Tigers continued their dominance, defeating their guests in three sets; 25-17, 25-18, 25-12.
Galion racked up 11 aces at the service line on Monday while posting a 64/73 clip that led to 43 points. The home team also finished with 35 kills, 33 assists, 30 digs and nine blocks in their straight-set win.
Stats from Monday were: Comer- 10/12 serving, 7 points, 1 ace, 6 kills, 1 block, 8 digs; Myers- 6 kills, 3 blocks, 2 digs; Keeran- 5/8 serving, 4 points, 1 ace, 7 kills, 2 blocks; Ivy- 9/10 serving, 5 points, 3 aces, 6 kills, 5 digs; Miller- 8 kills, 5 blocks, 1 dig, 1 assist; Cosey- 3 blocks; Hardy- 17/20 serving, 14 points, 4 aces, 2 kills, 3 digs, 32 assists; Schieber- 8/8 serving, 3 points, 1 dig; Ella Payne- 1/1 serving, 1 point and Thomas- 14/14 serving, 9 points, 2 aces, 10 digs.


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The Next 'Bachelorette' Will Be Announced Monday Morning on 'Good Morning America'
Peter Weber's currently airing season of The Bachelor doesn't have a lot of great candidates for the upcoming season of The Bachelorette. Perhaps that's why producers are currently in talks with a few Bachelor alums (and maybe even considering giving Hannah Brown another shot). However, they're also considering Kelsey Weier, a top-four contestant of Weber's. Whoever ABC chooses, we don't have too long to find out. The final choice for The Bachelorette will be revealed on the morning of Monday, March 2nd, on Good Morning America.
ABC's next bachelorette to be announced on 'Good Morning America' next Monday
On the morning of Feb. 28, 2020, Tony Morrison, a producer for Good Morning America, tweeted out some exciting news for Bachelor Nation.
"JUST ANNOUNCED: We're revealing the new @BacheloretteABC, LIVE MONDAY on @GMA!" he wrote. "Have questions for her? ASK in as a reply below!"
Bachelorette stans jumped on the news quickly.
"Shout out to @THETonyMorrison for making my morning but also making today wildly unproductive," Brett Vergara, a Bachelor superfan tweeted.
Who will the next lead of 'The Bachelorette' be?
Notorious spoiler of all things Bachelor and Bachelorette, Reality Steve has reported that three alums of the reality dating show were in talks with producers.
Tayshia Adams, a final-three contestant on Colton Underwood's season and half of Bachelor in Paradise's power couple (the other half being John Paul Jones), was apparently on the list. Next came Tia Booth, a standout from Arie Luyendyk Jr.'s season of The Bachelor. Booth was in contention for The Bachelorette's lead role until, of course, Luyendyk broke poor Becca Kufrin's heart, and she had a better sob story.
Finally, the only woman named from the currently airing season: Kelsey Weier. The native of Des Moines, Iowa is probably the most-talked-about frontrunner for next year's Bachelorette.
The pageant girl-turned-professional-clothier had quite a time on Pilot Pete's season. Weier came off a little intense at first, being the instigator of season 24's notorious #ChampagneGate. After buckets of tears poured out, Weier appeared to mend the rift with the fellow contestant she accused of stealing her birthday champagne, Hannah Ann Sluss. She also made a great impression on Weber on her first one-on-one date. From potential villain to one of Pilot Pete's top choices, Weier had quite a glow-up.
Although she was accused of having a wine-related "mental breakdown" by another cast member, Weier recovered and showed her resolve. Yes, she cries a lot. But she has a good head on her shoulders (not something you can say about many of Pilot Pete's contestants), a loving and supportive family, and hey, it's 2020; vulnerability is a strength.
Reality Steve shares spoiler about Kelsey Weier on 'Women Tell All'
According to Reality Steve, Weier also had quite a showing on the 'Women Tell All' episode of The Bachelor Season 24.
"Kelsey on the hot seat talked about her journey, her being very emotional, seemed like a Bachelorette audition," he tweeted. In general, the sadder your Bachelor story, the more likely it is you'll get cast.
At this point, Miss Iowa is the only viable choice from Weber's season. However, we all know those Bachelor producers love to throw us a curveball. So we'll be waiting with bated breath for that Bachelorette announcement on Good Morning America.


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Core Labs and Research Infrastructure is a system of centrally governed, multidisciplinary laboratories. Each lab is equipped with state-of-the-art technologies and is supported by expertly skilled staff, many with postgraduate qualifications and all proficient in their specific fields.
Our system of centralized governance, the One Lab Model, is structured to allow research to progress seamlessly across disciplines. Pivotal to this level of access is our support system. Our staff members are always on hand to inform and advise. We offer a variety of services tailored to meet every eventuality.
The Coastal and Marine Resources Core Lab is a complete marine station specializing in marine operations, oceanographic instrumentation, and wet lab experimentation. It operates a fleet of boats and Saudi Arabia's first fully-equipped research vessel, the RV Thuwal.
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The engineering team is expertly skilled in the design, fabrication and maintenance of sea-going instrumentation. We specialize in customized marine electronics and other hardware and software needed to support research. The team is experienced in running lab-based calibration and test programs; ensuring our instruments - both bespoke and off the shelf - are precisely suited to their purpose.
For a listing of capabilities in this area please click here
The marine operations team is responsible for onshore logistic, the maintenance and operations of our vessels. Comprised of local sailors and internationally accredited seamen this team mans our research vessel, The RV Thuwal, as well as our fleet of smaller boats. Marine operations is also supporting visiting vessels from other institutions.
For a listing of on board technologies please click here
This facility provides the scientific expertise, consultation and equipment to support research on marine and freshwater organisms in a controlled environment to international standard and animal welfare.
The facility is maintained by technicians and engineers responsible for the operations of all support systems ensuring optimal conditions for scientific study.
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Our team helps plan and execute scientific data collection both on land and at sea. Using technologies such as Remotely Operated Vehicles (ROVs) and Autonamous Underwater Vehicles (AUVs), this team conducts routine field sampling operations including regular hydrographic, environmental, and biological sampling.
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As an organizational member of the American Academy of Underwater Scientists (AAUS), our scientific diving team ensures all university diving operations are safe and productive. We help to locate suitable diving sites for specific research needs, to plan and execute dives for all types of research and to provide divers with scientific diving accreditation through training. Our fully certified and experienced commercial divers can conduct a full diving service when necessary.
For a listing of equipment and related technologies please click here
The subsea simulation facility provides hydrostatic testing for underwater scientific equipment to full ocean depth pressures and temperature simulating the harshest ocean environments on earth. Equipment such as ocean gliders, drifters, moorings and ROVs, can also be tested using the horizontal and vertical seawater ballasting tanks.
For a listing of capabilities in this area please click here


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Justin Melnikoff is responsible for daily operations as well as planning and executing MOX's corporate strategy. Justin has extensive background in building and developing strategic alliances, acquisitions, and establishing or procuring assets that coincide with the executive vision.
Prior to MOX, he managed business development for Sidera Networks, where he was responsible for building strategic relationships that facilitated network expansion and formalized agreements that produced revenue and cost savings for the organization. Justin received his J.D. from The Catholic University of America Columbus School of Law, B.S. from The Ohio State University, and holds a license to practice law from the Commonwealth of Virginia.
How can corporations and researchers best serve the next generation?
Corporations and their research teams have so much technology and innovation available at their fingertips. I believe it is critical to draw focus to reducing our corporate carbon footprint globally. Companies that strategically invest in creating solutions to propel their business forward, while reducing negative environmental impacts, will set the foundation for the next generation's success. The technology industry uses a tremendous amount of power to support our insatiable demand for connectivity, and supporting and utilizing more green energy providers and innovators will be necessary in order to meet those demands.
If one thing should be redeveloped within the telecom and related industries, what should it be?
I would love to see more development and partnerships with federal, state, and local governments for our industry. These would result in greater cooperation, fewer barriers to entry, and more collaboration when creating the infrastructure highways required for the future. The use of rapidly changing technology in how we work and play is outpacing the relevant physical infrastructure and updates needed to support it.
Is it important for companies to continue to innovate their organization or offerings, and why?
Absolutely, yes! While the adage "don't fix it if it isn't broken" is valuable advice, we need to continually evaluate our efficiency and productivity as a company. Whether it's assessing how our work impacts the environment, the happiness and wellbeing of our people, or the bottom line, innovation is what moves us forward. Change is inevitable and I believe that it is very important to incentivize new ideas, research, and development.
What value does PTC hold for you/your company?
For us at MOX, we deeply value the community that PTC has created. PTC Membership includes a vast, worldwide network of professionals who work in our space, and we are connected by this great fraternal organization that promotes, supports, and advocates for our industry. We gain tremendous benefits from attending PTC's Annual Conference in Hawaii, as we gather to meet with hundreds of prospects, customers, and thought leaders in the span of a single week. Getting that face-to-face time with everyone is incredibly valuable.
How does PTC fit with your company's goals or your overall career purpose?
PTC is aligned with MOX's mission as well as my own personal mission: to promote the advancement of information and communication technologies. At MOX, we are continually looking at where and how we need to innovate, where our customers might need fiber next, and how we can improve connectivity across the U.S. and Japan. Expanding and updating our footprint to best serve our customers is always a top priority. PTC helps us connect with people in our ecosystem and supports this ever-evolving effort to collaborate, teach, and reach out to communities around the world.
What advice would you share with current and future graduates interested in this field?
I would tell future graduates that telecom is really the fourth utility, and this brings with it great job security. It is an amazing industry with lifelong members who possess a tremendous amount of knowledge about its history, its function, and its future. Our space has so much room for innovation and new entrants and that provides a platform for entrepreneurs of all interests to engage in the field, including those who love small, large, or even massive companies. Telecommunications and the associated ecosystem of tech participants provide essential services on a global scale. If you love to travel and want to work in an industry of significance on all corners of the globe, you have come to the right field!
What is something that not that many people know about you?
One thing most people may not know about me is that I started out as a lawyer, specifically focused on corporate bankruptcy law. As a new attorney, I found my way into telecom through networking and meeting some amazing people. I was able to use my law background in a corporate development role along the way and then I got hooked on the telecom industry. I found a community of professionals who I truly enjoyed working with and I never looked back!
About MOX Networks:
MOX Networks ("MOX") is a leading fiber-optic network specialist. We build the capacity to deliver on the infinite possibilities for new paths, connections, and performance. MOX responds to the increasingly complex requirements of hyperscalers, wireless service providers, government, municipalities, and public and private partnerships with exclusive, custom design and deployment of unmatched low latency networks. Founded in 2013, MOX owns and operates unique lit and dark fiber routes throughout North America and Asia. For more information, visit moxnetworks.com.


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Albuquerque, New Mexico -- Senior Kristin Glesne paced the University of Iowa women's golf team with a 36-hole score of 146 (+2) at the Branch Law Firm Invitational on Monday. The Hawkeyes are tied for 14th through 36 holes. Iowa carded a total of 608 (+32).
No. 15 Kent State is in first (569; -7). They are followed by New Mexico (573; -3) and No. 11 Northwestern (573; -3).
After firing two-over par in round one, Glesne utilized two birdies and jumped eight spots on the leaderboard in round two. Glesne is tied for 25th overall. Her 28 pars ranks third in the field.
Senior Shawn Rennegarbe shot a one-under-par 71 in the second round. She utilized four birdies to jump 22 spots on the leaderboard.
Freshmen Manuela Lizarazu and Dana Lerner each made their Hawkeye debut. Lizarazu and Lerner are tied for 78th and 73rd, respectively.
14. Iowa 305 303 +32608
T-25 Kristin Glesne 74 72 +2146
T-54 Shawn Rennegarbe 79 71 +6150
T-78 Stephanie Herzog 75 82 +13157
T-78 Manuela Lizarazu 77 80 +13157
T-87 Rachel Fujitani 82 80 +18162
T-73 Dana Lerner (I)78 77 +11155
The third round of the Branch Law Firm Invitational tees off at 8:30 a.m. (CT) tomorrow.
Live stats for the tournament are available on Golfstat.com. Fans can follow @iowawomensgolf on Facebook, Twitter, and Instagram to stay up to the latest Hawkeye news.


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Thirty-five years ago today, on March 4, 1983, George Jones wed Nancy Sepulvado. The ceremony took place at the home of Jones' sister, Helen Scroggins, in Woodville, Texas.
The marriage was the fourth for Jones. Previously, he had been married to Dorothy Bonvillion, Shirley Ann Corley and Tammy Wynette, the last of whom he divorced in 1975. But it was Sepulvado, his wife until his death in 2013, whom Jones considered his soulmate.
"No teenage boy ever fell harder for a girl than I fell for Nancy Sepulvado," Jones said in his 1996 autobiography, I Lived to Tell It All (quote via Country Weekly). "When I met my future wife on a blind date in November 1981, I had no idea that someday she would save my life."
Jones, who had a highly publicized battle with drugs and alcohol, relied on his fourth wife to finally help him get sober.
"They say love can change the world," the country legend continued. "I'm here to testify that it changed one man. Friends, family, doctors, therapists and ministers had tried to save me, but to no avail. But finally the power of love from one woman, Nancy Jones, made the difference."
Nancy Jones knew of her husband's reputation, which earned him the nickname "No Show Jones" because of his ongoing addiction issues, but she remained undeterred.
"I'd heard the horror stories," she says, "but I'm of the opinion you don't believe it 'til you see it. I ended up seeing plenty of it, but we just clicked. I saw a lot of good in a man who was being totally destroyed."
The new bride and groom toasted their nuptials with a dinner at Burger King following their wedding ceremony.
George Jones passed away on April 26, 2013. His wife later placed a monument with the inscription "He Stopped Loving Her Today" at his grave in Nashville's Woodlawn Cemetery.
This story was originally written by Gayle Thompson, and revised by Angela Stefano.
Country's Greatest Love Stories
This Article Was Originally Posted at www.TheBoot.com


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October 4 – 2021 WASHINGTON DC / KHARTOUM, The USA has called on the parties to the government in Sudan to reach a consensus on the date of transferring the presidency of the Sovereignty Council to civilians. More delay may hamper major US support. The head of the Sudan Revolutionary Front rebel alliance considers the polarisation between the military and civilian components of the government "a major setback for the transitional period".
US State Department spokesperson Ned Price said in a statement on Saturday that Washington's support for Sudan, including political, economic and military assistance, depends on the country's commitment to a civilian-led transition.
Price referred to the statements of Jeffrey Feltman, US Special Envoy for the Horn of Africa, who paid a two-day visit to Sudan last week. At the end of the visit, Feltman stressed the need to develop a new vision for Sudanese national security to guide the security sector reform agenda under civilian authority, while recognising the integrated role of the armed forces in a democratic Sudan.
The envoy also called on all parties to shoulder their responsibilities at this historic moment and avoid brinkmanship and mutual accusations. The envoy stressed the need for the Sovereignty Council "to act as a collective body in performing the tasks entrusted to it in the Constitutional Document", agreed on by the military, activists and politicians in August 2019, and called for the establishment of the Legislative Council.
'Deviation from the implementation of the Constitutional Document and the Juba Peace Agreement will jeopardize Washington's relations with Sudan' – Jeffrey Feltman, US Special Envoy for the Horn of Africa
Price stated that the US envoy, in his meetings with Sudanese officials, warned that "deviation from the implementation of the Constitutional Document and the Juba Peace Agreement would jeopardize Washington's relations with Sudan, including significant US assistance, as well as prospects for security cooperation to modernize the Sudanese armed forces and U.S. support in the International Financial Institutions and for debt relief."
In a press statement on the occasion of the first anniversary of the Juba Peace Agreement yesterday, El Hadi Idris, President of the Sudan Revolutionary Front (SRF) rebel alliance and member of the Sovereignty Council, said that the polarisation in the country has disrupted the meetings of many sovereign institutions, such as the Sovereignty Council, the Security and Defence Council, the Council of Ministers.
The tensions within the government constitute "a major setback for the transitional period," Idris stated.
All SRF member groups are keen to continue the partnership until free and fair elections have been held. Though this can only take place after the displaced and refugees have returned home, he emphasised. "Elections cannot be held without the participation of four million Sudanese displaced people and refugees."
Following the aborted coup attempt on September 21, tensions between Sudanese military and civilian leaders resurfaced. The military accuse the civilian politicians of quarrelling over positions, while civilian members of the government criticise the military for "claiming a monopoly of guardianship over the country and the sole right to lead it through the transitional period".
In December last year, the US House of Representatives passed the Sudan Democratic Transition, Accountability, and Fiscal Transparency Act – which triggered disagreements within the Sudanese government. The bill supports advocates tightening the monitoring of the Sudanese army and other forces in the country. Moreover, the role of the army in the country's economic affairs will be challenged.
Earlier in 2020, Lt Gen Abdelfattah El Burhan, Commander-in-Chief of the Sudan Armed Forces (SAF) and Chairman of the Sovereignty Council, was widely criticised after he publicly defended the role of the Sudan Armed Forces (SAF) in the Sudanese economy.
Source: DABANGA
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On Al Jazar Street in al Riyadh Khartoum, under a large white sign spelling out the word "Al Jazar" in big bold black-lined red letters, is a great little take out for a delicious kufta sandwich. As the namesake explicates, the enterprise is a byproduct…


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Press release: Neonatal/paediatric changes
2019 May 23
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Luxembourg, 23 May 2019 - Small change from EAA will make big difference to young patients
THE smallest patients often present the biggest medical challenges – and this is particularly the case in aeromedical transport.
Now European Air Ambulance (EAA), one of Europe's largest specialised air ambulance service providers, is making a change that will speed up the process of transporting neonatal and paediatric patients.
EAA offers dedicated and cost-effective emergency medical repatriation 24/7/365 worldwide, with particular expertise in the transport of babies and children – and the service it offers in this most demanding of fields is set to improve even further.
EAA will now have a certified neonatal crew on stand-by on the duty roster every day – meaning a paediatrician specialised in neonatology and a flight nurse with Advanced Paediatric Life Support training can be at the airport within one hour of a mission being activated.
Patrick Schomaker, Director Sales & Marketing at EAA explained: "Transporting young patients is challenging both medically and logistically, and for many assistance companies it can take several days to call in the most qualified medics and assemble the appropriate equipment.
"After listening to feedback from our clients, who include individuals, insurance and assistance companies, NGOs and governments around the world, we decided to make this change to streamline the process."
EAA's medical crews use state-of-the-art equipment that replicates as closely as possible a neonatal intensive care unit, including two of its own travel incubators, constantly pre-heated and ready to be loaded onto one of its five dedicated air ambulance aircraft for missions worldwide.
Mr Schomaker added: "We strive to constantly improve the services we offer clients and patients.
"Young children and babies have a special place in our hearts, and we put particular emphasis on our neonatal and paediatric aeromedical transport services,
"This change will further improve the services we offer our smallest and most important passengers, as we feel we simply can't let these VIP patients wait!"


text: Meemo's Farm Low Ropes Course is an excellent team building activity . Each challenge has a different goal or function. They provide groups with obstacles to overcome both mentally and physically. These challenges require teamwork to be completed successfully. The activities are designed to allow a trainer or facilitator to work with a group to help them deal with teamwork objectives and prepare them for bigger challenges and greater challenges. Groups are encouraged to take what they learn here and apply it to real world challenges. Teamwork and cooperation are fundamentals of these exercises.


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Kabocha squash
We are kicking off with one of our favourite vegetables: Kabocha squash (especially the flavorful varieties 'Delica' and 'Sweet Mama')
Kabocha is a type of winter squash also known as 'Japanese pumpkin'. The squash has an exceptional sweet flavor and even an edible skin. There are countless ways to utilize this winter squash. And a huge bonus besides taste: Kabocha is packed with vitamin C, iron and beta carotene…
Caramelized pumpkin
You can't go wrong with 'Caramelized pumpkin'. It is a perfect side dish, a substitute for (sweet) potatoes or to add to a winter salad.
- 1/4 Kabocha squash (preferably 'Delica' or 'Sweet Mama')
- 2 tsp black sesame seeds
- Oil for deep frying
- 100g Sugar
- 20cc Water
- 1 tsp Vinegar
- De-seed the pumpkin and cut into thin chunks.
- Deep fry the pumpkin over a low heat until soft enough to skewer.
- Heat the sugar, water and vinegar in a saucepan over a medium heat until thickened.
- Add the pumpkin to (3), remove from the heat, mix to coat well and then sprinkle
with the sesame seeds. - Enjoy!
Rogier's twists
Account & Product Manager Vegetables Rogier is a true "foodie".
His personal twists for this dish:
"To add a little spicy heat replace the sesame seeds with chili flakes. Top it off with a bit of sour cream."
Recipe Source: Takii Japan


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- Small form-factor (22.5 mm x 63 mm x 30 mm)
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- Secure cloud device on boarding and management with OPTIGA™ Trust M
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Herculite Products Inc., an innovator and manufacturer of high performance and custom fabrics is pleased to announce that Jake Ritchie has been hired as Midwest Regional Manager for the Direct Sales team.
Jake Ritchie joins the Herculite sales team with over four years of B2B sales support. Jake received a degree in Business Management from Lincoln Land Community College. As a collegiate basketball player and an avid golfer, Jake brings a strong history of teamwork and competitive skill to the Herculite Direct Sales Team.
Herculite is excited to be expanding our sales team to support and continue the strong growth of this market. Jake will be managing the Midwest region of our Direct Sales team, which consists of the automotive, custom engineered solution, healthcare, agriculture, and tent and structure customers. Herculite's strives be the most responsive, supportive, educated sales force in the industry and Jake's addition to our team will help us to continue to strive to achieve that goal.


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Banking Quiz for IBPS | SBI – 293
1.Which bank is not regulated by RBI?
a) State Bank of Sikkim
b) Punjab and Sind Bank
c) Central Bank of India
d) None of these
2.What is the minimum amount required to open a Fixed Deposit (FD)?
a) Rs.1000
b) Rs.500
c) Rs.100
d) None of these
3.The committee on Banking Regulations and Supervisory Practices which released the agreed frame work on international convergence of capital measures and capital standards in July 1988 is popularly known as _______.
a) Cooks Committee
b) Rao Committee
c) Basel Committee
d) None of these
4.What are the facilities available to the customers through ATM –
a) Cash withdrawal subject to a predetermined limit per day
b) Cash deposit
c) details of certain number of transactions
d) all of the above
5.Which of the following is included in bancassurance?
a) Insurance policies issued by the banks in their
b) Selling by a bank the insurance policies of its
ancillary insurance company
c) Selling by a bank the insurance policies of any
insurance company
d) All the above
6.Expand CRAR in terms of banking sector-
a) Capital –to-Risk Asset Ratio
b) Core Risk Asset Return
c) Capital –to-Risk Asset Range
d) None of these
7.How Commercial banks can regulate money supply?
a) Printing of one rupee notes
b) Augmentation of savings and time deposits
c) Creation of demand deposits
d) None of these
8.What is the full form 'HNI' in banking ?
a) High Net-worth Individual
b) High Networked Individual
c) High Nuisance Individual
d) None of these
9.What is the 'USP' in a Savings Bank account of a Bank over another Bank?
a) Higher rate of interest
b) Low risk transaction
c) Banking channels and branches
d) None of these
10. What is the full form of 'PMI'?
a) Purchasing Managers Indian
b) Purchasing Managers Index
c) Prudential Managers Indian
d) None of these


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SAN BERNARDINO, Calif. — MacroAir, manufacturer of high volume, low speed (HVLS) fans, has named Barry Warner as its new president. The company said Warner will provide strategic leadership, enhance operations management, and further support MacroAir's growing distributor network. He reports directly to the CEO, Eddie Boyd.
"Our company-wide focus is our customers," said Boyd. "While out in the field, Barry gained a strong understanding of our customers' needs. His knowledge of our products, customers, and proven ability to lead and grow a company places him on a solid path for success as our president."
Prior to assuming the role of president, Warner served MacroAir as its national sales manager, securing national account opportunities while increasing the company's regional and national sales territories by more than 100 percent.
"MacroAir is a company built on innovation, family values, and people who want to serve and support their customers," said Warner. "We are growing rapidly; our products are unequalled in the market and we expect great things to continue in our future. It is a privilege to assume the role of president at this exciting time in MacroAir's history."
During his 30-year professional career, Warner has held management positions in globally focused manufacturing firms, including chief operating officer and president.
For more information, visit www.macroairfans.com.
Publication date: 11/11/2015
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- Home
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- Zinc Range Hood "Chicago"
Zinc Range Hood "Chicago"
Product Description
Because of its natural metallic color, this contemporary zinc oven hood blends well with any type of home decor. Whether it is rustic or modern style kitchen the hood W660R908M will become an instant focal point. It comes in both wall mount and central island version. The first one is attached to the wall and the island one is connected to the ceiling. The zinc oven hood for kitchen range is made as a natural venting without any exhaust equipment. It can be made ready for any brand ventilator system as $200 custom work that can be selected from the options. Delivery is about eight weeks to the US mainland addresses. |
Zinc Oven Hood for Kitchen Range


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Closed Captioning Comes To Chrome
English Only For Now
Alphabet, or Google if you prefer, is expanding the closed captioning support they offer on YouTube, Pixel devices and many Android phones. As of the Chrome 89 and later, you can enable Live Captions in the Accessibility section found under Settings -> Advanced. Toggle the option on to have a grey box appear on websites you visit which will display text which matches an audio or video source on a website. You can resize the box, or close it if you don't want to make use of it on that page. Currently it is a global setting, either it is enabled for all pages or disabled, you cannot as of yet pick and choose when it activates.
As you'd expect the text is machine generated, however it is interesting to see that it is your device which does the heavy lifting, as opposed to the text being generated on the cloud before being displayed. Ars Technica saw a 130MB download occur when they first enabled the option, which included the API as well as a single language pack, EN-US. The design lends credence to the belief that more languages will be added over time, which will increase the footprint of the program if you intend to install multiple languages as they become available.
There is no mention of live translation being incorporated into this feature, but it does seem a likely next step.
Google is officially bringing its "Live Caption" technology to any website with the new version of Chrome. The feature, which debuted on Pixel phones and should be available on most Android 10+ devices, lets you easily apply Google's speech-to-text technology to any audio source.
More Tech News From Around The Web
- Windows 10 Insider build fixes the fix it sent out to fix the fix that broke printing? Afraid not, but here's a new Notepad icon @ The Register
- Security Researcher Hides ZIP, MP3 Files Inside PNG Files On Twitter @ Slashdot
- Will Apple blink? ByteDance, Tencent, others ready new ad-tracking tech in defiance of iOS privacy protections @ The Register
- Facebook is Making a Bracelet That Lets You Control Computers With Your Brain @ Slashdot
- Listen to The Sound of Perseverance: Not the death metal album, but NASA's Mars rover on the move @ The Register
- EnGenuis ECS1008P PoE 8 Port Layer 2 Switch @ Overclockers Club


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The Dunlap Champions Club Catering and Events team is ready to create a remarkable experience that will leave a lasting impression on you and your guests. Located in the heart of the Florida State University campus, we provide some of the finest meeting and banquet facilities in Tallahassee. Offering over 100,000 square feet of unique event spaces located in Doak Campbell Stadium, there is something to suit every need.
With great views, first-class cuisine and exceptional service, your events bring lasting memories. Our professional staff works with you through the planning stage and is there for your event to make sure everything is executed to your specifications.
Specialty pricing for members when booking private events:
All spaces are subject to availability based on the event calendar. Please reach out to our events team for more information on booking an event at the Dunlap Champions Club!
Catering and Events Manager, Brittany DelMonego, email@example.com
Catering & Special Event Coordinator, Caylie Bussey firstname.lastname@example.com


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Baltimore is a city that is full of character. It has a rich history and its roots as a working class town give it a unique vibe. Baltimore has a personality, and that's something that you don't want to miss out on during your stay. It also houses some of the top museums in Maryland.
It's not just the landmarks where this is obvious – the architecture of the many buildings in the city reflect Baltimore's past. These Airbnb accommodations in the City of Charm have blended historic touches with modern conveniences and comforts. They are full of character and history, and are a great alternative to a generic hotel. If you are planning to visit the stunning city soon, scroll down for the top Airbnbs in Baltimore.
We handpicked these listings carefully, considering (wherever possible) Superhost status. recent guest reviews, location, accommodation type, prices, availability of dates, decor, and amenities. The image galleries get refreshed with the latest updates regularly. They were last updated on February 06, 2024.
Private rooms
Baltimore has many places that offer a room for one or two people. They are great alternatives to booking an entire apartment to stay in; they are usually more efficient and often cheaper. Plus, you have the added benefit of having close interaction with your host, who can give you valuable insights for your stay.
1. Spacious Vivaldi Suite
68 USD / night for 2 | 1 bed | 2 guests * 15 USD cleaning fee
This is a gem of a place. It is very large, cozy, clean and hip. Jeannette is the consummate host and goes the extra mile to ensure her guests are comfortable. Terry (Guest Review)
This Airbnb neighborhood was voted "Baltimore's Best" by the City Paper. You can expect to see many residents sitting on the porches in the evenings having coffee and chatting. You'll be staying one block away from the house where Billie Holiday grew up. Now, five gorgeous murals mark the block, making it easily identifiable.
As for getting around, the Charm City Circulator (CCC) has a stop one block away, making traveling to different attractions easy. The host even provides a welcome manual, which will help you get around if you feel lost. For a fee, you can book custom tours of various areas with your host.
Baltimore, Maryland, United States
1.56 km (1.0 mi) from National AquariumTop guest reviews
Amenities & Room:
the property is convenient to hopkins and it offers all the necessary amenities for a comfortable staythe room itself is pretty huge - the photos don't do it justice and it's very comfortablethe room was clean the bed was extremely comfortable all sorts of amenities were providedthe room is comfortable with its own bathroomthe vivaldi suite is as described: spacious comfortable and privateCleanliness:
very clean and big spacethe room was really clean and spacious to stayclean room with high cp value pricejeannette's place is really clean tidy and largejean's place is very clean and perfect for both short as well as long stayHost:
jeanette is very kind hostjeanette is a great hostthank you for being a great hostjeannette is a great hostjeanette was a wonderful host very informative and accommodatingRead more reviewsLocation:
the location is greatabout 10 min by walk to jhh and about 20 min to inner port - ideal locationalso the location is very goodnice neighborhood with an easy walk to the portcozy comfortable place to stay in a convenient location
2. Secret Garden in the City (from USD 96)
97 USD / night for 2 | 1 bed | 2 guests
I spent a little over a week at Jen and Scott's and loved it there. Simply put, I felt like I was a visiting friend. Yacine (Guest Review)
This home is located in the most walkable part of Baltimore. It's a 5-10 minute walk to locations such as the Inner Harbor and Little Italy. You can pick up supplies and groceries at a Whole Foods and Starbucks that are just 4 blocks away.
It can be a bit hard to find this Airbnb rental, so make sure to contact the host beforehand if you need extra directions. It's situated on a quiet little alley street, but is rich in history. It was where Frederick Douglass, one of the prominent civil rights figures in history, built five homes that are still standing today.
The young couple who host at this Airbnb let are avid travelers themselves and are keen to tell you whatever you want to know about their city.
More information is available
.Top guest reviews
Amenities & Room:
i'm a fan of photography bicycles and boozeas a business traveler i really appreciated great wi-fi connection especiallynext visit our room was very comfortableCleanliness:
very clean and accommodatingquaint clean and exceedingly comfortable staynice and clean love itthe space was clean and comfortablethe place is very clean and beautifully decoratedHost:
they were very welcoming and polite hosts highly recommendeddirections were perfect and scott was very responsive to questionsscott and jenn were lovely hostshost and and co-host are lovely toojennifer and scott were wonderful hosts quick responses with communicationRead more reviewsLocation:
great location in baltimoreso glad we chose to stay here the location is excellentgreat location and able to walk to most placesgreat location to stay in baltimorequiet but within walking distance of a great many places
3. Beautiful apartment overlooking Union Square Park (from USD 65)
This beautiful apartment can offer lovely views of Union Square Park. It features two cozy beds, ensuring guests a good night's rest. The rental features a fireplace, making it perfect for a romantic getaway. With tall windows, you can enjoy lovely nature views. It has a bright interior that guests can surely appreciate.
Top guest reviews
Amenities & Room:
i spent two days working here and the wifi and workspace is perfecti highly recommend the space if you're looking for a well designed apartment in baltimoreit reminded me of a 3-star hotel bathroom in all honesty which isn't good during covid-19the space was very unique and comfortablei had a lovely stay at anne's cozy-yet-paradoxically-spacious tardis-esque spaceCleanliness:
it was very cleanclean beautifully decorated and parking is easily availableher place is clean comfortable and very artsyanne's place was comfortable clean and uniqueafter inspecting the place it wasn't very cleanHost:
she was super responsive and helpfulanne was a great hostthe host made us feel welcome and make sure we had everything we neededgreat place to stay helpful host :)i enjoyed it and the host made me feel very comfortableRead more reviewsLocation:
beautiful location and thoughtful touchesawesome place to stay near downtown baltimorereally nice location the piano is greatwonderful place to stay very cutesuper cute spot close to the things we wanted to do quiet street and we'll decorated
4. Private Floor in Hampden
60 USD / night for 2 * | 2 beds | 4 guests * 15 USD for each additional guest
The room was a step above its price. I was very satisfied with the ease of checkin and checkout. Roldofo (Guest Review)
The Hampden neighborhood has transformed from a blue-collar mill town into the epicenter of all things hipster and stylish. It's a safe area, so you can walk around at night without worrying. You can easily walk to shops, restaurants, and bars in the area. If you're not sure of where to go, the on-site host, Nick, loves to share information about Baltimore.
It's a short walk to the light rail, and from there it is a 15-minute ride to the Inner Harbor. You can also travel to nearby sports stadiums, the convention center, and other neighborhoods.
Complimentary tea and coffee are provided every morning. Wi-Fi is available, and you're free to use the kitchen, washer, and dryer.
To know more about this Private Floor In Hampden, click
.5. A charming room above a coffee shop
100 USD / night for 2 | 2 beds | 2 guests
Alex is a great conversationalist and he has great coffee! Phenomenal location. Andrew (Guest Review)
You can get around Baltimore easily from this location via the Charm City Circulator. The host is also welcoming and very informative about Baltimore, and guests who have stayed there all enjoyed having a chat with him.
Guests have access to the first-floor shop. It's fitted with a steak broiler, sandwich press, and cappuccino-maker, along with standard kitchen equipment. In the unlikely case that you run out of places to eat, you'll have no trouble whipping up something.
One thing you can definitely expect from this place is great coffee!
To know more about the 2 rooms above a coffee shop, click
.6. Private Bed and Bath near John Hopkins Hospital
60 USD / night for 2 | 1 bed | 2 guests
Wonderful room and location- hosts added lots of thoughtful touches to make the stay convenient and pleasant. Would happily return! Jordan (Guest Review)
You have free access to Wi-Fi and the television in the room comes with Netflix. This is a great place to enjoy a slow, relaxing vacation. It's near to Patterson Park, where you can go for morning walks. Breakfast is provided, and the hosts are even willing to get a specific type of bread or cereal if you stay longer than a week.
This Airbnb accommodation is well situated. There are plenty of restaurants and bars nearby and you can take one of the many buses that are near the area.
for more information.Entire apartments
For families or groups of friends, renting an entire apartment or flat beats having to book multiple rooms at a hotel. The good things about Airbnb accommodations is that they often come with amenities like washing machines and kitchens, so everything you need for a comfortable stay can be found right there. Having the entire place to yourself also gives you some privacy if you're not keen on sharing a space with your host.
7. Three-bedroom home for eight (from USD 182)
This luxurious three-bedroom home is ideal for eight guests. It boasts five cozy beds and three-and-a-half baths. With complimentary WiFi, guests can update their social media pages or work if necessary. It has a well-equipped kitchen where guests can easily prepare family meals. The rental also has ironing facilities, so guests will not have to worry about their clothes when going out.
Top guest reviews
Amenities & Room:
a great kitchen for cooking the patio is beautiful and nightall the bedrooms are comfortable and the kitchen and rooftop space are great for hanging out inthe bathrooms are so beautiful with jetted tubsthe bathrooms are so beautiful with jetted tubs5 baths and nice beds and a very nice kitchen the place had a great structureCleanliness:
the house was very clean and extremely welcomingvery clean with a lot of space to enjoyeverything was clean and we didn't need a thing would stay againthe home was clean and had lots of space for my family to spread outit was super clean and close to what we neededHost:
meghan was an awesome host super accommodating and quick with responsesmeghan was an amazing hostmeghan was a great hostshe was quick to reply very accommodating and super friendlymeghan was a wonderful host and had everything all ready for usRead more reviewsLocation:
wonderful location directly across from the parkplace was in good locationgreat place and great locationthe location is great within walking distance of a beautiful park and restaurants and entertainmentit was close to attractions and dining
8. Studio apartment with a dedicated workspace (from USD 67)
This studio apartment is spacious enough for six guests, making it perfect for a small family. It has a kitchen with a mini fridge, microwave, coffee maker, and cooking basics, so guests can easily enjoy gourmet meals. The rental includes an HDTV with Netflix and Amazon Prime Video access for guests who want to watch some interesting movies before going to bed.
Top guest reviews
Amenities & Room:
perfect amount of space and amenities in the apartmentthe decor is very cool and the space is cozythe studio apartment has all the necessities and has a great aestheticCleanliness:
clean and stylish and very baltimoresparkling clean and perfect for a few nights in townthe apartment was very clean and cool 10/10everything was very clean and it was a nice sized space for 2 peoplevery clean and hosts are very responsiveHost:
hosts are helpful welcoming and responsivejay and olivia were fantastic hoststhe hosts are really responsive and helpfulexcellent host and really cool spacejay & olivia were wonderful hosts before arriving they gave local bar and restaurant recommendationsRead more reviewsLocation:
great location in a nice neighborhoodthe location was perfectthis place is super cute & a great locationsuper close to hopkins hospitalamazing place very close to everything
9. Waterfront rental for six (from USD 269)
This beautiful waterfront home is spacious enough for six guests, perfect for a small family or a group of friends looking to spend some time together. It features a full kitchen, which allows guests to easily prepare meals. It has two modern bathrooms with complimentary toiletries for the guests' convenience. The rental offers high-speed WiFi for those who want to stay connected during their stay.
Top guest reviews
Amenities & Room:
lovely spotless and most comfortable home the view was delightfulfilled with classic and modern touches it felt luxurious and comfortableplenty of towels well appointed kitchen fun electronics and lots of great books on baltimoreCleanliness:
very clean and amazing communication from start to finishit was super clean and comfortableclean well appointed apartment with lots of extra special small details addedamazing location and apartment was very clean and had everything we needed to enjoy our stayboth beds were comfy very clean and everything we needed for the weekend was providedHost:
the host was amazinghost was super friendly and communicativewonderful townhouse & great hostsgreat friendly and responsive hosthost very kindly provided earplugs as wellRead more reviewsLocation:
great location and great spacewonderful place and great locationwhat a great location right in the heart of fells pointthe place and location were great would definitely come backfirst off the location of this place is amazing
10. Fantastic estate with free parking
This large rental can fit up to 14 guests, with 4 bedrooms and 4 baths. It features a two-car garage, so guests will not have to worry about looking for parking space. It has a private roof deck where guests can enjoy stunning city views. The rental has four cozy double beds and two double beds, so guests can surely have a good night's sleep during their stay.
Baltimore, Maryland, United States
1.87 km (1.2 mi) from National AquariumAccommodates: 16
Top guest reviews
Amenities & Room:
room for large families but lots of nooks for privacy as wellit is a very large property multiple rooms and with a beautiful roof top deckvery nice space: large updated kitchenCleanliness:
very clean and modern placemake sure and ask for clean towels and sheetsthe house was very spacious and cleanplace was clean very spacious lovely homeperfect location clean and very spaciousHost:
liz was a great host and was very quick to respond to any questions i hadelizabeth is a great hostelizabeth was a wonderful host and is extremely responsiveelizabeth had been a wonderful hosti would highly recommend this home and the hostsRead more reviewsLocation:
perfect location in a great neighborhoodgreat location and very spaciousthe location is also fantasticbeautiful house and great locationgreat location beautiful space and a rare find for baltimore
11. Adorable Studio Apartment
48 USD / night for 1 * | 3 beds | 4 guests * no additional charges for extra guests
My friends and I had a great stay at Andrea's apartment. It's nice and cozy, and the neighborhood is also very pretty. We had everything we needed. Valeria (Guest Review)
There are no additional charges for added guests, so up to four people can stay here at a very affordable rate. Getting around with a car is convenient, especially since free parking is available. If you don't drive, the metro is half a mile (0.8 kilometers) away, and the bus stop is also nearby.
Do note that this building doesn't have an elevator.
To know more about this property, click
.12. Gracious Historic Townhouse by John Hopkins
125 USD / night for 1 * | 1 bedroom (1 bed) | 4 guests * 15 USD for each additional guest after 2 guests
"Kathie was a terrific host - the place was in pristine condition and was seamless getting in and getting access to the house." - Kieran (Guest Review)
Located in Charles Village, you'll be staying in a community steeped in educational and cultural resources. It has the added advantage of not being too touristy, but still has plenty of amenities. Aside from JHU, the Baltimore Museum of Art is nearby. There are also plenty of cafes and bookstores. If you'd like to head downtown, the Charm City Circulator recently extended its route into this area, making getting around a breeze.
To know more about this Gracious Historic Townhouse by JHU, click
.13. Stay in the center of it all
85 USD / night for 1 * | 2 beds | 4 guests * No additional charge for guests * 10 USD cleaning fee
Will's apartment is in an excellent location – and is a great value for the price! Barrie (Guest Review)
The apartment has an open concept, creating a roomy feeling. It comes with cable TV and a wireless Internet connection for up to three devices.
Located in the historic Mt. Vernon neighborhood, it's minutes away from the attractions at the Inner Harbor. You can stop by the front desk if you have any questions or need advice on where to go.
For more information about Stay In The Center of It All, click
.14. Stylish flat in Fell's Point
129 USD / night for 2 guests * | 1 bedroom (2 beds) | 3 guests * 15 USD for each additional guest * 35 USD cleaning fee
The flat was adorable, perfectly decorated, very comfortable and felt like home. - Mandy
This is a corner apartment, so it fills with light during the day. It is stylishly decorated in calm hues with a touch of nautical flair. The high ceilings and exposed bricks help the apartment retain some historic charm.
The queen-sized bed comes with an extra-thick memory foam mattress, so you'll definitely get a good night's sleep and wake up ready to walk around the city. If you plan to drive to Baltimore, this location comes with an assigned parking space.
The host, Pamela, lives next door and is an Airbnb Superhost. She is also a Certified Tourism Ambassador for Baltimore. You can trust that you'll be in safe hands throughout your trip!
To know more about this Stylish Flat in Fell's Point, click
.15. Charming Upper Fells Point Studio
96 USD / night for 2 * | 2 beds | 4 guests * No charge for additional guests * 75 USD cleaning fee
Accurate description, great communication, super easy check-in and check-out. Ian (Guest Review)
The Charm City Circulator stops just a block away, but you can easily walk to Little Italy and Downtown Inner Harbor. John Hopkins University is also just a 12-minute walk away.
Checking-in is convenient since the hosts use a self check-in system. Guests can check-in at all hours.
To know more about this Upper Fell's Point Studio, click
.The City of Charm
Fallen in love with at least half of these homes? We did too! You can book Airbnb accommodations months in advance to ensure that you get your dream stay while in Baltimore, especially if you're planning to come during the peak months. The City of Charm awaits your arrival!
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The most delicious oatmeal you'll ever have! These Cherry Chocolate Steel Cut Oats are cooked in the Instant Pot in just 15 minutes, so you can enjoy a healthy tasty bowl on a weekday morning.
One of the reasons I convinced myself I needed an Instant Pot was because I promised myself I would eat more steel cut oats instead of instant oats. Well, here we are!
I'm keeping my promise (as well as enjoying lots of other uses of the Instant Pot, such as cooking quinoa in 1 minute - see my Quinoa with Sausage and Vegetables recipe) and I am enjoying making steel cut oats regularly for breakfast.
Don't worry, I still love my no-cook overnight oats (see my Overnight Oats recipe here with lots of great mix-in ideas). But I realize that steel cut oats are a bit healthier so I am glad I have a way of adding more variety to my oatmeal mornings thanks to my Instant Pot.
Related recipe: Chocolate Chocolate Chip Pancakes
This recipe for Cherry Chocolate Steel Cut Oats is my absolute favorite so far. Fresh cherries are cooked right in with the oats and they add such a wonderful flavor to the oatmeal, along with some natural sweetness and subtle tartness. When the oatmeal is done cooking I stir in some milk chocolate and it melts into the oatmeal just right (I feel like Goldilocks over here!). I then top each bowl with just a few more chocolate chunks for extra flavor.
It sounds and tastes totally indulgent, but it's actually on the healthier side as far as breakfasts go: I use agave nectar instead of refined sugar, I add a pinch of cinnamon (hello antioxidants!), I swap out some of the milk for water (less calories!), and each bowl only contains 1 square of chocolate. So all in all, not too bad health-wise.
I absolutely love cooking oats in the Instant Pot. I just add all the ingredients, press a button (ok, two buttons) and walk away. Once the pot comes to pressure, the oatmeal cooks in just 15 minutes. So breakfast is being prepared while I run around the house getting dressed, dressing Elliot, packing Aldo's lunch, etc. So convenient.
Before I got the Instant Pot I made steel cut oats on the stove top once and then said "NEVER AGAIN." It was just too much time and too much work for first thing in the morning.
It took me a few tries to get the Instant Pot cooking method worked out perfectly, but I feel like this recipe below makes the best Instant Pot steel cut oats. Other recipes call for a shorter cooking time, or less liquid, but I found that the oats are not quite cooked through using other recipes.
This recipe here makes perfect oats for serving immediately. As the cooked oats cool down, they do continue cooking and getting a bit more 'solid,' if you will, so if you want to save some for the next day, make sure you stir in another 1-2 cups of water or milk as the oats are cooling down. This way they'll absorb the extra liquid as they cool and be perfect for Day 2. I reheat these in the microwave for about a minute with another splash or milk or water.
If you have an Instant Pot, I really recommend trying my Cherry Chocolate Steel Cut Oats recipe. You'll LOVE how indulgent it tastes.
And if you don't have an Instant Pot and are curious about one... I say go for it!! I never expected to use my Instant Pot as much as I do, but I cook with it almost every day, often more than once a day.
This is the Instant Pot I have.
Other breakfast recipes you will love:
- Mango oatmeal
- Chocolate cream of wheat
- Overnight oats with mix-in ideas
- Breakfast grits with caramelized peaches
- Farmer's cheese pancakes
- Veggie bake breakfast surprise
- 15 Minute veggie loaded no-bake frittata
If you enjoyed this recipe, please let me know with a comment and a star rating below! And don't forget to save it for later on Pinterest:
Instant Pot Cherry Chocolate Steel Cut Oats
- 2 cups steel cut oats
- 2 cups milk - (any kind - see notes)
- 2 cups water
- 4 tablespoons agave nectar
- ½ teaspoon ground cinnamon
- 1 pinch salt
- 2 cups cherries, fresh or frozen, pits removed
- ¼ cup chocolate chunks or chips
- extra cherries or chocolate for garnish
- Grease the bottom of the Instant Pot with coconut oil, butter, or a vegetable oil spray. Combine all the ingredients in the Instant Pot - from the steel cut oats to the chocolate chunks/chips and stir gently.
- Close the Instant Pot lid and set the valve to sealing. Cook on the manual setting at high pressure for 15 minutes, with natural steam release. Once the pressure is released, carefully open the Instant Pot and stir the oatmeal. To serve, garnish with fresh cherries and more chocolate, if desired.
- You can use any kind of milk - almond, soy, coconut, or cow's milk (skim, 1%, 2%, or whole). If using sweetened vegan milk such as vanilla almond milk, you might want to reduce the amount of agave nectar so the oatmeal doesn't turn out too sweet.
- You can use more or less milk for this recipe - depending on how creamy and rich you like your oatmeal. Just make sure that the ratio of oats:liquid is 1:2. If using cow's milk, don't use more than 3 cups of milk (plus 1 cup of water), otherwise the milk might burn a little on the bottom of the Instant Pot.
- If you plan on saving some oatmeal for the next day, stir in another cup of water or milk before putting the oatmeal into the refrigerator, otherwise the oatmeal will continue to gel up as it cools. Reheat in the microwave for 1-2 minutes, adding additional water or milk if necessary to get the desired thickness.
The nutritional information displayed is an estimate and not to be used as dietary or nutritional advice. Consult a nutritionist or dietician for nutritional info based on the exact ingredients you use.


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Court Upholds Insurer's Post-Judgment Interest Obligation Under Policy
By Don R. Sampen, published, Chicago Daily Law Bulletin, January 12, 2021
The 1st District Appellate Court recently held that an insurer's depositing with the court clerk its policy limit plus accrued post-judgment on the full judgment against its insured, stopped the further accrual of interest for which the insurer was responsible under the supplementary payments section of the policy, notwithstanding that such a deposit is not provided for under the Illinois post-judgment interest statute.
The case is Jacobs v. Yellow Cab Affiliation, Inc., 2020 IL App (1st) 182462 (Dec. 9). The plaintiffs, judgment creditors of underlying defendant insureds, were represented by Tomasik Kotin Kasserman LLC, Clifford Law Offices P.C. and Schwartz & Kanyock LLC, of Chicago. Sanchez Daniels & Hoffman LLP and Fox Rothschild LLP of Chicago represented American Country Insurance Company.
In 2015, the plaintiffs obtained a $26 million judgment against Yellow Cab and one of its drivers for injuries suffered by one of the plaintiffs in a severe car accident while riding in a Yellow Cab. The day after the judgment, Yellow Cab filed for bankruptcy, and subsequently its also driver did.
American, liability insurer for Yellow Cab and the driver, after obtaining permission from bankruptcy court, then deposited with the Cook County Circuit Court Clerk, the policy limit of $350,000, plus post-judgment interest on the full amount of the judgment. The deposit, totaling about $427,000, took place within two weeks of entry of the judgment.
In 2018, the plaintiffs commenced a citation proceeding against American seeking a turnover order. As part of the proceeding, they acknowledged the $427,000 deposit by American, but argued it was an insufficient tender under the Illinois interest statute to stop the continued accrual of post-judgment interest on the $26 million judgment. They thus claimed an additional $6.6 million interest accruing over the last three years.
American's policy contained a supplementary payments section requiring American to pay post-judgment interest on the full amount of the judgment against its insureds until such time it paid, offered to pay, or deposited in court the part of the judgment within its policy limit.
The plaintiffs nonetheless contended that American's deposit was not sufficient to stop the accrual of interest under the interest statute, 735 ILCS 5/2-1303. That statute permits a judgment debtor to stop the accrual of interest only by tendering payment of the judgment, costs and accrued interest to the judgment creditor.
The circuit court dismissed the citation proceeding on the ground that American had satisfied its obligation to its insureds by making its deposit, and it owed no further post-judgment interest. The plaintiffs took this appeal.
River Valley decision
In an opinion by Justice David W. Ellis, the 1st District affirmed. After discussing the purpose and effect of the interest statute, he observed that it governs the obligations of the judgment debtor, but that American — the entity from which the plaintiffs sought to recover $6.6 million — was governed by the terms of its policy.
Under the policy, moreover, American was obligated only to pay its insureds the policy limit and accrued interest up to the time of payment or deposit, and because the plaintiffs as judgment creditors stepped into the shoes of the defendants, American owed the plaintiffs nothing more.
Ellis said the Illinois Supreme Court used this approach in River Valley Cartage Co. v. Hawkeye-Security Insurance Co., 17 Ill.2d 242 (1959). The court there construed a supplementary payments section of a liability insurance policy similar to American's. Under that section the court held that an insurer's tender of the policy limit without post-judgment interest was insufficient to stop the accrual of interest. Ellis said such a holding is by now long settled state law.
According to Ellis, the River Valley court reached that conclusion on the basis of the policy language, not the interest statute. Another takeaway from the case was that the judgment creditor was entitled to no more than the insured-judgment debtor could collect from the insurer.
Halloran decision
The plaintiffs nonetheless relied on Halloran v. Dickerson, 287 Ill.App.3d 857 (5th Dist. 1997), in arguing that a deposit with the court, rather than an offer or payment to the judgment creditor, is not sufficient to stop interest from accruing. Ellis disagreed.
He noted that, while Halloran did involve an insurer's deposit with the court, the insurance policy involved in that case permitted only an "offer to pay" as the action that could be taken to stop the accrual of interest. The insurer's deposit in that case also did not include all post-judgment interest owing at the time of the deposit. The insurer in that case therefore continued to owe interest on the full amount of the judgment following its deposit.
Under those circumstances, according to Ellis, the Halloran court was justified in relying on the interest statute, by analogy, in determining what constituted an adequate "tender." He observed that an "offer to pay" under the policy is the functional equivalent of a "tender" under the interest statute.
In contrast to Halloran, American's policy allows for a deposit with the court as one alternative to stop interest accrual, and American deposited both its policy limit and the full amount of accrued interest as of the time of the deposit.
Finally, Ellis found the supplementary payments section of American's policy did not contravene public policy. While public policy and law require taxicabs to be insured to protect the public, neither public policy nor the law requires that the insurance procured cover the full amount of the judgment debtor's obligations. The plaintiffs, moreover, did not claim that Yellow Cab's coverage was below the statutory minimum.
American's policy provisions, Ellis said, also do no violence to a judgment debtor's obligations under the interest statute. The insureds here continue to owe post-judgment interest on the full amount of the judgment against them until the judgment is paid or the matter is resolved in bankruptcy.
The court therefore affirmed the dismissal in favor of American.
Key point
A supplementary payments section of a policy obligating an insurer to pay post-judgment interest on the judgment against its insured until it pays, offers to pay or deposits in court the amount of the judgment against the insured up to the policy limit, permits the insurer to fully terminate its post-judgment interest obligation by making the payment, offer or deposit in the amount of (1) the judgment up to the policy limit (2) plus all post-judgment interest then owing on the full amount of the judgment.


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Individual StocksUnderstanding Financial Markets |
What are some important economic concepts that may affect bonds and stock prices at the macroeconomic level? |
It is generally accepted that great economic growth in an economic system is good for stocks. As the economy expands, in order to meet demand, companies produce and sell more of what they offer. As a result, more people or workers are needed, and incomes begin to rise, fueling more demand and purchases, and so on. Consumers also will have more disposable income to save, invest, or direct toward purchasing more goods and services. But as this economic activity helps us all, it has some hidden consequences that may generally affect the prices we pay for stocks and bonds. Many practitioners believe this economic expansion may lead to inflationary movements, as material inputs and labor become scarcer. This begins the spiral of a gradual price increase. Higher wages and benefits within the labor pool of these producers must be recovered by slight price increases, which, when multiplied by millions of companies, helps to create a gradual inflationary chain of events.
Any indication of inflationary moves may adversely affect the prices of bonds, as available credit becomes more expensive. Bond prices must tick downward in order to create demand for the bonds. Higher interest rates eventually occur, and although it is considered good to maintain a large portfolio in cash, bond investors see a gradual decline in yields. When the economy begins to contract from this period of growth, interest rates commonly decline gradually. Bond prices tend to increase inversely to interest rates. Less economic activity means there is less demand for capital or credit from both end consumers and businesses because the price (or interest rate) of money becomes unaffordable.