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14k White Gold Art Deco Wedding Set.
Metal: 14k White Gold
Center stone: Cubic Zirconia
Shape and size: Round, 6.5 mm
Carat weight: 1.97 ct (Approximate)
Center stone setting: Prong
Ring's width: 2.5 mm
A total of 8 cubic zircons (2-4 mm, 6-1.5 mm) run alongside the ring for a combined weight of 0.94 ct. (Approximate)
The wedding band is studded with 8 round cubic zircons with total weight of 0.10 ct (Approximate)
Band's width: 2.7 mm
Finish: High polished. Platinum plated.
Made in USA.


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Terms and Conditions
THESE TERMS AND CONDITIONS ARE TO BE READ TOGETHER WITH THE APPLICABLE QUOTE OR INVOICE (the "Invoice") AND THE TERMS OF ANY SERVICE SELECTED BY CUSTOMER. The following terms and conditions govern the sale by Website Owner ("Vendor") to Customer of the products and services (the "Products"). By accepting delivery of the Products described on the Invoice, Customer agrees to be bound by and accepts these terms and conditions.1. Amendments
Customer may not alter, supplement or amend these terms and conditions under any circumstances. Any attempt by Customer to so alter, supplement or amend these terms and conditions, or to enter into an order for Products that is subject to additional or altered terms and conditions will be null and void, unless otherwise agreed to in a written agreement signed by both Customer and Vendor. Vendor may alter or make amendments to these terms and conditions as they relate to future sales or deliveries at any time without prior notice.2. Governing Law
This document shall be governed by and construed in accordance with the laws of the state where the Vendor resides and the parties hereby agree to the nonexclusive jurisdiction of the courts of the state where the Vendor resides.3. Payment Terms; Orders; Quotes; Interest
Credit terms are within Vendor's sole discretion, and unless otherwise specified in Vendor's invoice, payment must be received by Vendor prior to Vendor's acceptance of an order. Payment for the Products will be made by credit card. If credit terms have been agreed to by Vendor, invoices are due and payable based upon the terms agreedupon. Vendor may invoice parts of an order separately. Orders are not binding upon Vendor until accepted by Vendor. All Quotes given by Vendor will only be valid for the period stated on the Quote. Customer agrees to pay interest on all amounts past due.4. Shipping Charges and Taxes
Separate charges for shipping and handling will be shown on Vendor's invoice(s). Unless Customer provides Vendor with a valid and correct tax exemption certificate applicable to the Products shipped to Customer's location prior to Vendor's acceptance of the order, the Customer is responsible for goods and services tax, sales and all other taxes associated with the order, however designated, except taxes on Vendor's net income. If applicable, a separate charge for taxes will be shown on Vendor's invoice.5. Title
Title to Products passes from Vendor to Customer at the time the Products leave Vendor's warehouse except that title to software shall remain with the applicable licensor(s). If applicable, all software is subject to the applicable license agreement accompanying the Products. Customer agrees that it will be bound by each such license agreement once its package is opened or its seal is broken. Customer can select to purchase insurance for shipped Products. Shipping dates are estimates only. Vendor is not liable for delays in shipment or failure to ship by the estimated ship date or damage to product during shipping.6. Warranties and Disclaimers
All sales are final and items are sold "as is where is" without refund. The transportation, shipping and delivery costs are the responsibility of the buyer. By adhering to the terms for our sale you agree to our refund policy and have reviewed and understand all terms of the auction process including our deposit, final payment and time lines associated with closing out the transaction. All deposits are refundable with the exception of those where the customer is the winning bidder on an item via the auction. In such case the deposit will be applied in full to the purchase price of the item. If the buyer does not close out the transaction in the time frame required and satisfy the balance due for the item in which they were the winning bidder as per the "Terms" of the sale the buyer will forfeit their deposit in full and no refund will be allowed. Registered bidders who qualify for buying via a deposit prior to each sale will receive their refund within 24 hours for the deposit if no purchase was made by winning bid.8. Exchanges
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Redstar Gold Corp (TSX.V:RGC) ("Redstar" or the "Company") is pleased to announce that it has arranged a non-brokered private placement of up to 13,333,333 units at a price of $0.15 per unit (the "Units") for gross proceeds of $2,000,000 (the "Offering"). Each Unit will consist of one (1) common share and one-half (½) of one (1) non-transferable share purchase warrant. Each share purchase warrant will entitle the holder thereof to purchase one (1) additional common share of the Company for a period of eighteen (18) months from the closing date of the Offering at an exercise price of $0.25 per common share.
In connection with the private placement, the Company may pay finders' fees pursuant to the policies of the TSX.V. The Company anticipates that there may be insider participation in the above private placement, for which the Finders will not receive a commission. Proceeds from the offering will be used by Redstar for exploration on its Alaskan properties and general ongoing corporate matters.
The above private placement is subject to all regulatory and board approvals.
On Behalf of the Board,
Redstar Gold Corp.
"R. Bob Singh"
R. Bob Singh
President and CEO
Redstar Gold Corp.
Tim Mikula, Business Development
Tel: 604.488.0051
Forward-Looking Information
This release includes certain statements that may be deemed "forward-looking statements". All statements in this release, other than statements of historical facts, that address events or developments that Redstar Gold Corporation (the "Company") expects to occur, are forward-looking statements. Forward-looking statements are statements that are not historical facts and are generally, but not always, identified by the words "expects", "plans", "anticipates", "believes", "intends", "estimates", "projects", "potential" and similar expressions, or that events or conditions "will", "would", "may", "could" or "should" occur. Although the Company believes the expectations expressed in such forward-looking statements are based on reasonable assumptions, such statements are not guarantees of future performance and actual results may differ materially from those in the forward-looking statements. Factors that could cause the actual results to differ materially from those in forward-looking statements include market prices, exploitation and exploration successes, and continued availability of capital and financing, and general economic, market or business conditions. Investors are cautioned that any such statements are not guarantees of future performance and actual results or developments may differ materially from those projected in the forward-looking statements. Forward-looking statements are based on the beliefs, estimates and opinions of the Company's management on the date the statements are made. Except as required by applicable securities laws, the Company undertakes no obligation to update these forward-looking statements in the event that management's beliefs, estimates or opinions, or other factors, should change.


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With nearly 10 years of experience in the Diamond Trade, we are one of the UK's leading experts in the field of Coloured Diamonds.
We have a successful history in creating portfolio strategies that have provided strong profits year on year for our clients.
We are EIS approved and governed by the HMRC providing our investors with added protection against any potential risks as well as offering additional financial benefits.
We are FCA regulated under the act of section 21.
We are the only company of our kind in the UK, with full in-house services offering diamond sourcing, wealth strategies and bespoke asset creation.
Our Kimberley Foundation ensures that for every pound you invest with us, a proportion goes towards supporting the traditional land owners of the Argyle Mine.
Rav's enthusiasm and passion is contagious! I have a lot of faith and belief in Rav and have no doubt that he will climb the ladder of success. My investment has had a life line of 6 months and whilst I acknowledge that this is a short time, I am more than satisfied with the way things are going.
It has been a pleasure working with Rav & his Group and I am excited about how far this company can grow over the next 5 years. A lot to look forward to.
Not much to complain about regarding this young man, I have followed his movements since 2012 and I am happy to see him pushing and progressing slowly towards his goals. Good luck to you Rav!
A gentleman in all aspects, Rav has treated me and my portfolio with the utter most respect. How many collectors can boast a rare gem portfolio that consists of a Red diamond?!! Rav has knowledge, confidence and reach, making him a very capable young man.
Happy with the way things are going, a little over 18 months in to my investment and no reason for complaints. I like the vision, the strategy and the enthusiasm that Rav brings to the table, making me feel confident about the future ahead.
Very easy going, considerate and polite. He has been very promising, hard working and supportive person. Rav's style of presenting his business portfolio and approach was never pushing. He understands both sides of the world and is keen on making sustainable stronger long term relationship with his clients. This type of qualities are very rare and unique.
I have had the pleasure of working with Rav over the past 4 years. Over this period Rav has helped shape my rare gem portfolio in to a world class profile. Rav is a man of insight, knowledge and market intuition. His services are highly recommended.
Rav is at the start of his journey, and I can see this young man building a formidable legacy over the next 20 years. His vision, understanding of the market and client requirement is a foresight that should not be underestimated.
I have been a client of Rav's since 2010, and also one of his first clients. I take great pride in watching this ambitious man grow and evolve. The fact that he is now the leading specialist in the field of rare gems, speaks volume of his contribution over the past 8 years.
Rav is the man of the moment over in the UK. His history, experience and strong performance in this sector is not to be underestimated. I would not hesitate to recommend Rav's services to anyone that may be looking to build a tangible portfolio of rare gems to place in to an investment strategy.
Rav is creative and passionate in his work and craft. I have been a client of his since 2016 & have enjoyed the journey.


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DHP Research is pleased to announce the launch of the Diabetes Health Profile eBook: Development & Applications April 2013. The Diabetes Health Profile (DHP), first published in 1996 (Meadows et al 1996), is a widely adopted diabetes-specific patient reported outcome (PRO) measure developed to assess the psychological and behavioural outcomes as a result of living with diabetes. The DHP was developed with significant patient and clinical input to represent a model of patient reported outcomes not previously included in other diabetes-specific instruments, such as disordered eating behaviour.
The eBook has been developed to provide potential users of the DHP more detailed information on the key features of the measure including:
- What the DHP measures
- Development
- Validity & reliability
- Applications
- Available translations
- Administration
- Key references
Sanctioned by the UK Department of Health for their Long Term Condition Patient Reported Outcome Measures (PROMS) Programme following an extensive review by the University of Oxford, the DHP has been administered across a range of settings including clinical trials, academic research and population and community surveys to more than 10.000 people with either Type 1 or Type 2 diabetes, where it has demonstrated sound psychometric properties and operational performance as well as being highly acceptable to patients.
Available in nearly 30 languages, use of the DHP is supported by a comprehensive user manual and a norm-referenced data set together with information on the minimal important difference (MID). Work is also being conducted to provide a simple and easy to read data visualisation dashboard providing scores by age, treatment and sex.
To view and download the eBook click on the link Diabetes Health Profile eBook Development & Applications April 2013
Also please visit our new Diabetes Health Profile website. www.diabetesprofile.com
For information to obtain a license for the Diabetes Health Profile please contact:
Dr. David Churchman
Business Manager, Isis Outcomes
Isis Innovation Ltd, The technology transfer company of the University of Oxford
Email: email@example.com
T: +44 (0)1865 280857 mobile: +44 (0)7908 629051
Categories: Diabetes Health Profile, Patient reported outcomes


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In this report, the microprocessor and GPU market has been segmented on the basis of architecture, application, and geography. The microprocessor and GPU market is expected to grow at a CAGR of 2.2% between 2017 and 2022.
The microprocessor and GPU market is highly competitive with the presence of both small and big players in the market. The strategy of IP licensing has been mainly adopted by the microprocessor and GPU market players to achieve growth in this market. Besides licensing, companies have also adopted the strategies of new product developments, acquisitions, partnerships, expansions, agreements, contracts, alliances, and collaborations to expand their business operations, product portfolio, and distribution network. This also helps the companies to strengthen their market share and position.
Intel Corporation (US) is a world leader in the design and manufacturing of products and technologies that power the cloud and connected world. Intel delivers computer, networking, and communications platforms to a broad set of customers including original design manufacturers (ODMs), original equipment manufacturers (OEMs), cloud service providers, and communications, industrial, and automotive equipment manufacturers. The company is a leading provider of traditional desktops and laptops in the PC market segment. The tablets, phones, and other mobile devices offered by numerous vendors are competitors to traditional PCs. Intel faces strong competition from vendors that use application processors based on the ARM architecture, feature low-power long battery-life operation, and are built in SoC formats that integrate numerous functions on one chip. In 2017, Intel is expected to release the next generation of Intel Xeon processors for compute, storage, and network; a next-generation Intel Xeon Phi processor optimized for deep learning; and a suite of single-socket products including next-generation Intel Xeon E3 processors, next-generation Intel Atom processors, and next-generation Intel Xeon-D processors for dense solutions.
Advanced Micro Devices, Inc. (US) is one of the leading players in the microprocessor and GPU market, offering x86 microprocessors as a standalone unit or integrated into accelerated processing units, servers, and embedded processor SoCs. The company works in a dynamic environment, spending ~24% of its revenue on research and development activities for enhancing the design of the products and improving product performance. It mainly focuses on delivering next-generation central processing unit (CPU) and graphics processing unit intellectual property (GPU IP). As of December 31st, 2016, AMD had approximately 5,033 patents and 913 pending patents in the US. AMD works with both x86 architecture and ARM architecture for manufacturing its microprocessors. These microprocessors are widely used by consumer desktops or personal computers (PCs), servers, high-density server workload, and data centers.
Related Reports:
Microprocessor and GPU Market by Application (Consumer Electronics, Server, Automotive, BFSI, Industrial), Architecture (X86, ARM, MIPS, Power), GPU by Type (Discrete, Integrated), and Geography - Global Forecast to 2022
Mr. Rohan
MarketsandMarkets INC.
630 Dundee Road
Suite 430
Northbrook, IL 60062
[email protected]


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How to Avoid Holiday Scams Read More »
The holiday season can be a stressful time of year. For caregivers, practicing self-care and setting realistic goals… Read More »
AARP donated $5,000 to Oklahoma State University for a program that allows rural residents to check out internet hot… Read More »
We have so much to be thankful for this Thanksgiving, especially the AARP Oklahoma volunteers who advance the mission… Read More »
The AARP Oklahoma Nursing Home CARE Plan became law on November 1, 2019. Read More »
There is a lot of debate about how often adults should visit the doctor. Here's what you need to know and how you can… Read More »
Many older workers are taking the skills they developed during their careers and are using them to start a small… Read More »
Rita Walker, Tulsa, Okla., received the 2019 AARP Oklahoma Andrus Award for Community Service at the AARP Oklahoma… Read More »


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Professor Rosaleen Duffy
Professor of Political Ecology of Development, Department of Development Studies, SOAS, University of London
Environmental governance: from global markets to global security
Emerging forms of Environmental governance are building on neoliberal approaches in ways that advance the agenda of the war on terror. Using the case of biodiversity conservation, this paper sketches out some of these recent conceptual and material shifts in environmental governance; my aim is to start to unravel and understand the dynamics involved. In recent years the debate around the intersection of neoliberalism and the environment has gathered pace. It is clearly discernible in the promotion of the idea of the green economy – linked in with notions of green growth and green jobs. The more general acceptance and promotion of market based approaches. (PES, natured based tourism, TEEB, to name a few) seems ubiquitous. This leaves critics to continuously argue for alternatives, while the UNEP, the World Bank, Conservation International (amongst others) trumpet this as the only way forward. Neoliberal approaches have become normalised because they neatly fit with a dominant capitalist framework. However, the neoliberal stage has arguably laid the foundation stone for the latest phase.
Taking conservation as an example, I argue that we have entered a new phase – environmental governance as global security. Water, energy supply, climate and food production have long been linked with security concerns; but these have been expressed in terms of conflicts over access rights or Malthusian inspired fears of scarcity. Using conservation I argue there is a new phase – borne of the specific security concerns in the post 9/11 world. This has been facilitated by the earlier neoliberal phase coupled with the desire to find new streams of funding and the extension of military technologies into a range of 'non- military' uses. This has allowed private military companies to market themselves on green credentials, prompted NGOs to argue that funding for anti-poaching serves a dual purpose of saving wildlife and defeating Al Shabaab, and encouraged governments to authorise the use of drones and other surveillance technologies. This is not confined to protected areas – it extends certain modes of environmental governance out into wider society. This paper seeks to unravel how and why wildlife is being reconfigured to become the latest 'front line', such that fortress conservation is being supplanted with war by conservation.


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Okinawa's Special Feature in Spring that turns the Mountains into Pink, the "Cherry Blossom Festival"
Okinawa has the longest summer, and the shortest winter, and the island is the first to welcome the season of spring.
The plant that tells the arrival of spring in Okinawa is the Taiwan Cherry (called the Kanhi Zakura in Japanese).
When mainland Japan is in the midst of winter season between January and February, Okinawa's mountain (starting from the north down to south) begins to turn into pink. The Taiwan Cherry trees start to blossom, and there will be cherry blossom festival all around Okinawa.
The Taiwan Cherry is originally distributed in Southern China and Taiwan. If you include the hybrids, there are more than 600 species of these wild cherries.
The cherry has the color of the peach blossom, and the bell-shaped flower blooms towards the ground.
If you look closely at the flower, the color depth differs between trees.
Unlike the mountain cherry and the Yoshino cherry that have short blooming period, the Taiwan cherry blooms about one month, and the flower will fall afterwards when the wind blows.
The cherry blossom party is more of like taking a walk, viewing upward to the Taiwan cherries that appear like its bowing down.
It's quite different from the blossom party in mainland Japan, where sitting and drinking under the tree is typical.
Come take a walk under the pink cherry blossom road, and enjoy Okinawa's spring feature.
Recommended Events where you can enjoy Cherry Blossom
January 23rd, 2016 ~ February 7th. (planned)
38th Motobu Yaedake Cherry Blossom Festival
The Earliest Cherry Blossom Festival in Japan
January 23rd, 2016 ~ February 7th, 2016.
9th Nakijin Gusuku Sakura Festival
World Heritage Castle Ruins and cherry blossom Illumination creates magical world. Come enjoy the beautiful lighting.


text: Glaciers Reach – own a two bedroom, two bathroom townhouse for $535,000. This vacation getaway is in great condition with new paint, carpet & blinds. Take in the view of Rainbow & Sproatt Mountains from your private hot tub in the winter. Or have a social gathering on the top floor oversized deck in the summer. Walk to the lifts, shops & dining from this convenient location just across the street from the Village. Glaciers Reach has a year round outdoor pool & hot tub, secured underground parking and exercise room. Unlimited owner use, short or long term rentals… come have a look, it's easy to view.


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A new trailer has been released for the enhanced edition of The Witcher 2 for the Xbox 360, which details all of the new elements that will be included in this re-release. I don't know about you, but I'm getting pretty excited about playing this PC gem on a console in all of its glory. It just looks like a game that will play well, so if you aren't on its bandwagon yet, check out all of the new elements that will be present in the Xbox 360 version below. You've been thinking this will make a great game to play after completing Mass Effect 3…
The Witcher 2: Assassins of Kings New Elements Trailer
[#ff entbuddha] "Making you a better geek, one post at a time!"
Via [machinima]


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Bottom of the pile, level on points, separated by goal difference, Hamburg and Koln are both on the cusp of relegation. Like a couple walking hand-in-hand and striding off to the sunset, both sides look like fading out of the picture soon. Both teams have had long barren runs, and have changed managers, relegation looks in sight.
But with the newest match week comes perhaps a glimmer of hope, a chance to open a window of opportunity and optimism, however small. For Hamburg, it's a home game against Mainz, the side directly above them and Koln, ahead of them by seven points. A win here though, and Die Rothosen would have closed the gap to four, their win drought would be over, and Bernd Hollerbach and his side would have found a new sense of belief.
For Koln, it's a game with a side not quite directly above them, but one who, until three weeks ago, was lodged in the thick of the relegation dogfight. Three straight 1-0 wins for Stuttgart have seen them go 13 points clear of the automatic demotion spots, as they have resuscitated themselves under Tayfun Korkut. But while a win for Koln wouldn't exactly bridge the gap, it would generate more momentum, following the Rhein club's win at Leipzig last week.
Wins this weekend might just change the picture of the bottom third of the league and the minds of both struggling teams. A defeat, is next to unthinkable. Lose here, and the curtains might just fall.
Elsewhere, the ever-growing field of interest will continue when Dortmund travel to Leipzig on Saturday. Die Schwarzgelben re-affirmed their stance against Red Bull sponsorship by banning half-and-half scarves for their European game against Salzburg. Expect some jeers from both crowds during game time.
Frankfurt look to get a firm grip on the top four when they host Hannover, Bayern Munich travel to Freiburg on Sunday, Wolfsburg look to alleviate their relegation troubles when they host fifth-placed Leverkusen, while the weekend action begins with Borussia Monchengladbach playing host to Werder Bremen.
Bundesliga Week 25 Fixtures
Borussia Monchengladbach v Werder Bremen
Freiburg v Werder Bremen
Hamburg v Mainz
Koln v Stuttgart
Wolfsburg v Leverkusen
Frankfurt v Hannover
RB Leipzig v Dortmund
Schalke v Hertha BSC
Augsburg v Hoffenheim


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Mission Statement & Objectives
It is the mission of the company to establish our position as the leading discounted supermarket committed to deliver value, quality and services that is of the highest standards. H&L will continue to be the ultimate choice for customers and consumers for the most comprehensive range of quality products at the most competitive prices delivered through friendly and welcoming services at the convenient locations.
It is therefore our objectives to:
a) Practice "Customers First" policy whereby customer satisfaction decides the success and destiny of our business, supported by the highest level of customer service, through constant feed back and inter-communication exercise.
b) Provide the "Best Value For Money" that the customer spent while shopping at our outlets.
c) Ensure that our customers have the access to the "Highest Possible Quality" of products to select from.
d) Produce a high level of operating standards and manage business costs, shrinkages and wastage at all times.
e) Maximise sales by understanding and satisfying our consumers and customers need by providing the niche of their needs.
f) Constantly upgrade and innovate in all areas of our operations and services to remain competitive in the challenging and ever growing global market.
In the many areas of H&L's business cultures, operation and services, three main components make up the entire philosophy of our business. In our day to day operations, H&L pledge to provide our customer with the best shopping "Value" on the money spent by our customers and consumers with the most reasonable price, as well as the best available "Quality" of products that we can possibly find and the warm and friendly "Service" that leaves our customers and consumers the most satisfied shopping experience in the safe and pleasant shopping environment.
H&L also believes in the potential of electronic and computerized commerce which will help to meet out objectives of making shopping as convenient and as hassle free as possible to our consumers and customers.


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- +1 203 226 6000
In today's hyper-competitive marketplace, fewer than 3% of all organizations operate at peak performance. This means that 97% of companies lack some aspect of internal culture in which structures, processes, practices and resource allocations are optimized in delivering their value proposition. Companies which have created deliberate culture are those committed to continuously measuring and monitoring their environments enabling them to achieve and sustain levels of peak performance. Common attributes among these successful organizations are the high levels of employee satisfaction and engagement ratings they experience.
Effective leaders collaborate to maximize organizational performance by ensuring all employees are on-the-same-page, moving in the same direction and tracking continuous improvement using performance-based metrics. Peak performance is achieved when departments have efficient systems and processes, proper equipment and supplies, best-in-class quality standards and when the human factors of positive interpersonal relationships and exceptional service excellence are obvious. Collaborative team members always keep in mind their departmental responsibilities, individual competencies and performance capabilities.
1. Define Strategic Surveys The process of developing, administering and transforming raw data into strategic information is both a science and an art. One major challenge is creating metrics that reflect what needs to be measured and at the same time are simple enough for all employees to understand. As ultimate performance goals are to provide quality products, personalized services and memorable experiences, survey metrics need to be aligned accordingly and grounded in the company's vision, mission, values and core competencies.
Our custom-tailored employee satisfaction and engagement surveys serve as a crucial leadership tool in achieving peak performance. Developing the right metrics includes comparatives, trends, norms and benchmarks providing a matrix of key performance indicators. These data points are complimented with employee narrative commentaries providing work-environment satisfactions and engagement levels. Our metrics are both strategically predictive with big-picture trends and tactically prescriptive for day-to-day practices. Results can be easily cascaded down to employees at all levels promoting added understanding and commitment for shaping future performance. In addition to executive level information, separate reports for each department manager are developed. One feature of our services is a Departmental Guide for Achieving Peak Performance which reflects current and past survey scores with comparative benchmarks to other departments and the company as a whole. This hardcopy report is designed to be used by department managers as a continuing reference for action planning and performance follow-up.
2. Facilitate Being Proactive Anticipating the future through proactive thinking integrates insight about the present and foresight about upcoming events and performance challenges. Viewing survey results as a reality-based foundation helps in making best-in-class decisions. Proactive leaders develop a data matrix of insights for future planning. This strategic process develops abilities to foresee and prioritize needs and opportunities and move departments forward in their journey to sustain competitive advantage.
3. Intensify Energizing Talent Energy is an inspirational, personal quality. The ways in which leaders use energy influence greatly employees developing to their full potential. The goal is to motivate employees to fully understand performance expectations and to passionately care about how they carry out responsibilities. When employees feel a lack of responsibility and receive little or no feedback on results, they have little sense of ownership or commitment. Performance-based metrics track the progression of development in departments and throughout the organization as a whole. Our comparative performance reports illustrate change results and outline trends showing consistent, systematic change over time. Action planning and consistent follow-up guide actionable results and over time the process becomes transformational in developing individual passions and energizing team dynamics.
4. Support Building BrandPower™ Deliberate culture creates a strong brand through its peak-performance philosophy. BrandPower is the result of how well employees understand and are engaged in the company's vision, mission, values and practices. The strength of a brand rests on customer trust, perceived quality and employee commitment to the way customers feel when experiencing the brand. Value creation is a top priority for best-in-class departments and organizations. Our performance-based metrics support all quality initiatives aligning the reality of "What is" to the ultimate of "What should be". All surveys are designed rating operational satisfactions, emotional engagement levels and managerial best practices.
5. Promote Optimizing Results Performance-based metrics optimize daily operating environments by creating greater efficiency and effectiveness. Intra and inter-departmental performance become platforms for on-going meetings and individual discussions. As accomplishing meaningful work is a decisive factor in employee satisfaction and engagement, successfully managing performance outcomes is viewed as glue holding all collaborations together.
Great leadership involves accountability for results based on measurement. Performance-based metrics uncover patterns contributing to the organization's culture and empower everyone to focus on the facts of operating results. Pragmatic approaches to identifying business issues and resolving them are facilitated through the ability to quantify the challenges.
6. Perpetuate Refining Strategies Organizational success lies in a holistic approach to the execution of peak-performance practices. Executives who create deliberate culture continually refine their path to success. They systematically think about the future and new ways to attain superior results. Performance-based metrics allow executives to consistently track their strategies over short and long-term periods. Continuous feedback to all employees becomes a critical element because the process encourages collaborative discussions and reinforces staff buy-in. Our Survey Dynamics: Administrative Guidelines to Creating Deliberate Culture describes procedures for survey administration, feedback on results and action planning.
• Executive Retreats
• Leadership Workshops
• Operational Meetings
• Systematic Research
• Strategic Meetings
• Blueprints and Plans
• Double Loop Follow-up
• Custom-Designed Employee Feedback Surveys
• 360-Relationship Management Profiles
• Professional Development Inventory
• Action Planning
• Customer-Centric Methodologies
• Performance Index Measures
• Action-Planning Sessions
• Customized Training
• Peak-Performance Leadership
• Make-It-Memorable Programs
• Manager Reports
• Executive Reports
• Customized Reports


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*Waves enthusiastically* GUESS WHAT GUYS?! I FINALLY GOT MY LIFE TOGETHER AND READ SAGA! AKA Something I've been saying I'm going to read for months now!
\When two soldiers from opposite sides of a never-ending galactic war fall in love, they risk everything to bring a fragile new life into a dangerous old universe.
From bestselling writer Brian K. Vaughan, Saga is the sweeping tale of one young family fighting to find their place in the worlds. Fantasy and science fiction are wed like never before in this sexy, subversive drama for adults. -goodreads.com summary
This is my first time really reading a graphic novel and I'm really glad I did! I'd heard some pretty great things about Saga so I went in with pretty high expectations and it did not disappoint. I read both volumes one and two all in two days! Both are really quick moving with very intriguing characters and worlds. Now I'm just left wishing whoever borrowed the rest of the volumes from the library would bring them back so I can read them! 😊
SCIFI is a genre that I usually don't touch that much… Why is this? Well I think it's due to a similar reason that I used to be picky about high fantasy. I'm not a huge fan of exposition and sciency mumbo jumbo. I'm not a sciency person (Big surprise, Ik) so I don't usually like when my books are filled with (sometimes) made up science (heck I wouldn't even know if it was made up or not because, as I stated before, I'm not a sciency person). I read books as an escape from reality, not to be reminded of all the random science facts that I don't know.
Lately there have been some exceptions to this no SCIFI rule of mine. There is the obvious Saga, which kinda leans more towards fantasy to me… idk. But more sciency would be two little books I read over the summer named Illuminae and Gemina. I was a little reluctant to pick these up because… Well I don't really know why. I can't blame it on their genre because I don't think I even knew they were SCIFI until I picked them up. But either way, I brought them with me on vacation and I LOVED them! I was able to finish both books while avoiding the beach (*cough* I mean having a wonderful beach trip… with a severe lack of beach… I hate the beach). These are great examples of SCIFI books that don't let boring terminology bog down the story. While the story of this space ship is kinda a driving force for the plot, at its core, it's really a story about the people on the space ship— their struggles and relationships. Basically, I'm saying, even if you don't love SCIFI, pick up Illuminae and Gemina. They aren't perfect, I do have some decent sized issues with each of them, but nothing that would stop me from recommending them.
Do you have any genres you avoid like the plague? Have you read Saga? What about Illuminae or Gemina? How's life? Hope everything is well (You should talk to me because I'm a lonely potato)


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Following a 6th Circuit Court of Appeals decision that lifted the nationwide stay on the Waters of the United States Rule, or WOTUS, Members of the Congressional Western Caucus are calling on Congress to pass legislation to address the regulation. Colorado Congressman Scott Tipton says it is unacceptable that Continue reading
Tag Archives: Action
Tipton Urges Fix To "Threatening" Water Rule
Senate Looks At Bill To Delay Obamacare Tax
Following the news that the GOP's effort to repeal Obamacare through the Graham-Cassidy bill would be unsuccessful, Senator Cory Gardner introduced legislation yesterday that would institute a one year delay on the implementation of an Obamacare health insurance tax. The Healthcare Tax Relief Act Continue reading
Posted in News
Tagged Action, American, bill, colorado, Cory Gardner, delay, Denate, forum, Graham-Cassidy, introduced, legislation, Obamacare, Senate, Senator, tax, taxes, us


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Kip Keino denied wrongdoing in the Kenyan Olympic corruption scandal in an interview with The Associated Press and didn't appear in court as expected Friday, with prosecutors given more time to investigate if he was involved in the misuse of more than $545,000.
Keino was one of seven Kenyan Olympic and government officials initially accused by prosecutors of corruption and abuse of office relating to money for Kenya's team at the 2016 Rio de Janeiro Olympics. But he is the only one yet to be charged.
Three former sports ministry officials, including former minister of sport Hassan Wario, were charged with corruption and abuse of office Friday. They denied the charges and were released on $10,000 cash bail each.
The three others were charged Monday.
Keino's appearance was delayed, lending weight to speculation that the two-time Olympic champion and honorary IOC member will be a witness in the case and not a defendant.
In the interview with the AP earlier, Keino denied wrongdoing, saying he didn't have control over any of the more than half a million dollars of government money prosecutors say was embezzled and misappropriated. He appeared to blame the former officials in the government's sports ministry.
"I was not writing any government checks," Keino said in the phone interview. "It's their people who did it. That's what I know."
Asked if had any involvement in the misuse of the money, he replied "it had to do with what those who were in charge."
Keino's lawyer, Cecil Miller, explained his client's absence in court Friday, saying police and prosecutors needed to review a statement given by Keino that shows he wasn't responsible for signing any documents that controlled the money.
Prosecutors released documents last weekend saying Keino and the six others should be charged over the embezzlement of more than $200,000 and misuse of more than $300,000 of Kenya's Olympic money.
Prosecutors say more than $150,000 of the misused money went on unused air tickets to Rio, nearly $150,000 was used in overpaid allowances, and tens of thousands of dollars were spent on "unauthorized persons" — people who were not Olympic officials or athletes.
More AP sports: https://apnews.com/tag/apf-sports and https://twitter.com/AP—Sports


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There's no better place for a romantic getaway than in the heart of the Rockies
With festive wine pairings Snowy Peaks Winery is the only place making wine in Estes Park. And they're doing it all with Colorado grapes. So well, in fact, that 5280 Magazine named them one of 4 Colorado Winemakers to watch. Stop in to the tasting room to sample their wines, and don't forget to walk out with a few bottles to take home. If you're looking for something a little more intimate there are also a couple pairing dinners held Friday night. Latitude 105 will feature a 4-course menu, each paired with wine. Twin Owls Steakhouse is teaming up with local winery Snowy Peaks for a five-course pairing dinner on Friday as well. The night of the holiday also brings a wine-pairing dinner to Bird & Jim.
On a cozy long weekend Cut out of work early for the week and make a long weekend out of it. There are plenty of restaurants to grab dinner at to celebrate the night of the 14th, but if you're looking for something easy, The Barrel is hosting a chili cook off. For just $10 you can sample each chili, plus they have almost 40 beers to offer. At the locals hang, the Rock Inn, they'll be hosting a Bluegrass Jam on the 14th. Enjoy their menu of comfort food and the cozy atmosphere with wood-burning stoves and the sounds of bluegrass. No matter what you plan to do to celebrate Valentine's Day in Estes Park, you'll want to find a cozy place to stay.
On an outdoor adventure There are plenty of hikes and snowshoe trails to offer. If you want to live your own Hallmark movie, Trout Haven Resorts offer ice skating Friday through Sunday each week. And if you two are up for some backcountry skiing or splitboarding, take a class or hire guide from Colorado Mountain School or Kent Mountain Adventure Center.
We have a few deals on here to help you save on your romantic getaway.


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Start, Market & Grow Your Virtual Assistant Business
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Join the exclusive community for VAs to get access to mentorship, group coaching, specialist trainings, job opportunities and more!
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text: NEW DELHI: As a growing breed of tech-savvy students look to digital home-based learning to supplement school work, Extramarks' K-12 eLearning app has become the go-to destination to not only help prepare for examinations, but for life beyond school - by helping explain concepts in a crystal clear way.The app has already captured a large chunk of the market, adding 6 million users over the last six months. To meet this demand, Extramarks has added 1,500 employees to its counselling team and opened 40 additional offices across India. It now plans to add at least another 1,500 people to further expand into new markets.The Learning App by Extramarks is all-encompassing and interactive, creating a niche for itself in India. The company's ever-growing retail network has established it as a household name among students from KG to Class 12. The app's rich media-based learning module, in comparison to other apps' recorded lectures, has been well-received by students, also attracting those beyond higher secondary. As a result, the app has been recently modified to include prep material for higher studies and professional courses."We at Extramarks are constantly innovating to ensure that concepts are easily learnt and knowledge is retained. We use unique pedagogy of Learn, Practice and Test. Unlike, others, we use rich media to explain every concept in detail and provide all subject coverage," said Atul Kulshrestha, Founder of Extramarks.By introducing IIT-JEE, NEET, CA Foundation and Science Experiments app, Extramarks is building on its success. Customer demand for the Learning App is growing steadily helping the company achieve monthly revenue of Rs 25 crore on average. Aided by a rapidly-expanding market, the company is hoping to cross the Rs 100 crore monthly revenue target soon. Such numbers make a compelling case for the Learning App to become a pioneer in this exciting, rapidly evolving industry.


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Tech Marketing
Awareness. Conversion. Pipeline.
Improve database quality
Successful marketing starts with good data. If your database is filled with the wrong contacts, or the wrong information about them, you're never going to be as productive as you could be.
TechTarget can improve the quality of your database with thousands of opt-in contacts, including verified contact information, so you're always connecting with the most active prospects in your market.Learn More
Build awareness
If you target active buyers with relevant display ads, you can get a 25% lift in consideration rate. But that's only if you know exactly who to target and when to reach them.
TechTarget's intent-driven advertising solutions achieve optimized brand recognition by engaging the perfect targets when they're on relevant TechTarget sites—and after they leave.Learn About Display Advertising
Generate better leads
You're always under pressure to deliver more leads and higher quality. Declining email response and new privacy regulations are only making it harder.
TechTarget's AI-optimized lead generation delivers millions of opt-in leads proven to yield up to 7X higher engagement rates than other providers.Learn About Lead Generation
Drive event attendance
Events and tradeshows remain central to most B2B marketing plans. Often, the most stressful part can be simply finding and recruiting quality prospects who'll actually attend.
TechTarget helps you identify and engage new prospects who want to attend because they're currently researching relevant solutions right now.Learn More
Convert website visitors
The worst deals to lose are the ones that come right to your doorstep. If you can't quickly take action on the accounts visiting your site, you stand to miss out on those opportunities.
TechTarget's Inbound Converter identifies the in-market accounts visiting your website, then connects you with the real members of the account buying team. Finally, it helps you prioritize and engage them across multiple marketing channels.Learn More
Enable Sales & Channel
Eventually, your hard-found leads end up in the hands of sales or your channel partners. But if they struggle with conversion, you lose.
Help your sellers craft more personalized pitches. Enable them with purchase intent data and real insights. Armed with this, they can break into new accounts, land more meetings and close more business.
Fuel your pipeline faster.
Schedule a customized Priority Engine™ walkthrough today.
If you're ready to take sales and marketing to the next level, Priority Engine is one thing you definitely need as part of your stack. It gives sales everything they need to be able to close a deal."
Abe Sanchez, Digital Marketing Manager


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A leaked image which comes by way of a Ford dealer meeting held in Las Vegas last month just gave
The 2021 Ford Bronco has been officially teased in new renderings issued by Ford Motor Company today! The boxy silhouette
An article from Gearpatrol purports to reveal some new Ford Bronco details directly from a Ford Engineer familiar with the
By popular demand, following all the positive feedback from our first 2020 Ford Bronco concept renderings we are excited to
We just received breaking info from a tipster that the 2020 / 2021 Ford Bronco will feature a removable "Air Roof"
In the face of recent rumors from an alleged Ford designer that the 2020 / 2021 Bronco would be a "facelifted" Ford
After years of rumor and strong hints of the Ford Bronco in the UAW Agreement and statements from UAW Chairman, Ford has just
This new report claims that Ford Australia (Asia-Pacic Development Center) is leading the development of the all new Ford Bronco, alongside
Bill Johnson, chairman of UAW Local 900 just provided the first direct confirmation that Ford Motor Company will in fact be
Here's an exciting idea proposed by automotive journalist Chad Kirchner for a Bronco GT Supertruck. Realistically, the likelihood of a Bronco GT


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The jet did not experience technical malfunctions prior to the catastrophe, Russian Emergencies Minister Vladimir Puchkov said Tuesday.
"The flight recorder has been transcribed. The transcript indicates that all technical systems functioned properly," Puchkov told reporters.
The Interstate Aviation Committee (IAC, MAK), an airline safety watchdog, is thoroughly investigating the causes of the crash, he added, noting that investigation results will be made public.
The plane went missing last Friday after failing to make scheduled contact with rescuers. TheIl-76 jet crashed while on a fire-fighting mission near the Russian city of Irkutsk. All ten crew members died in the crash. The last of the bodies were pulled from the charred wreckage earlier in the day. The black boxes received thermal damage.


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Join us on Wednesday, September 4, as we celebrate as one of the most popular comic strip of all-time, "Peanuts". This ticket package includes a ticket to the game against the Twins as well as a limited edition bobblehead of Woodstock in a Red Sox uniform! Be sure to add this to your "Peanuts" bobblehead collection!
For group of 20 or more or for more questions, please contact Travis Pollio at 617-226-6790 or email@example.com.


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(Source: cricinfo.com)
The delighted Murali, after playing a huge role with bat (not with ball this time!) to win the final against Bangladesh in a recent triangular series involving Sri Lanka, Zimbabwe and Bangladesh. Sometimes win comes to you from the most unlikly sources in an unexpected manner..I always think that you need to have the ability plus some amount of luck to achieve your goals.


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Category:House of Bourbon
Jump to navigation Jump to search
|Wikimedia Commons has media related to House of Bourbon.
This category has the following 3 subcategories, out of 3 total.
- ► Bourbons of Naples and Sicily (6 P)
- ► House of Orléans (26 P)
- ► Spanish House of Bourbon (1 C, 17 P)
Pages in category "House of Bourbon"
The following 51 pages are in this category, out of 51 total.
- Marie Leszczyńska
- Louis XIV of France
- Louis XV of France
- Louis XVII of France
- Louis Alexandre, Prince of Lamballe
- Louis Jean Marie de Bourbon, Duke of Penthièvre
- Louis, Dauphin of France (son of Louis XV)
- Louis, Grand Dauphin
- Louis, Duke of Burgundy
- Louis, Prince of Condé (1668–1710)
- Louise Françoise de Bourbon, Duchess of Bourbon
- Louise Henriette de Bourbon
- Louise Marie Adélaïde de Bourbon, Duchess of Orléans
- Louise Élisabeth de Bourbon


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Main SiteTel: 0114 2697505
Branch SiteTel: 0114 2889777
We have been successful in our application for registration with the Care Quality Commission (CQC) and have been approved as a regulated provider of services.
CQC inspect GP practices and other primary medical services in England to check that they are meeting the national standards of quality and safety.
CQC inspectors visit health and adult social care services across England to check that they are meeting the standards.
During the inspections the CQC inspectors:
Our CQC registered manager is Dr Katharine Otten
Our Practice had our most recent CQC inspection in May 2018. The Practice had an overall CQC rating of Good. Please click on the link below the view the CQC Inspection Report:
CQC Report 2018
We had a CQC re-inspection in April 2019. We had an overall CQC rating of Good. Please click on the link below to view the CQC Inspection Report:
CQC Re-Inspection Report 2019
Learn more about the CQC and the General Practice Standards at https://www.cqc.org.uk
Copyright 2006 - 2019 My Surgery Website | Privacy & Usage | Edit | Staff Home | Site Map | Accessibility | Site T&C's | Service T&C's


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|David Jencks <david_jen...@yahoo.com>
|Re: Geronimo 2.2.1 with JSF 2
|Sun, 26 Jun 2011 22:15:31 GMT
Hi Chris, I'm not sure what order you did things in. If you: start out with a clean copy of geronimo turn off the myfaces-deployer and myfaces configs as you did include the jsf2 implementation of your choice in your web app then deploy your web app on this modified geronimo server you might avoid this problem. However its possible that even with these changes your web app will see the jsf 1.2 api classes from geronimo which may prevent it from working. There's a possible fix for this, but lets find out if its necessary first. While it is still under rapid development you might also consider trying trunk which supports jsf2 already. thanks david jencks On Jun 26, 2011, at 1:56 PM, Chris Joysn wrote: > Hello, > > i am a newbie on Geronimo and tried to get a JSF2 webapp up and running, > but it seems that i have some troubles with the Geronimo provided MyFaces > configuration. > > yesterday i found a page where one wrote that the MyFaces components > in Geronimo should be deactivated because they are JSF 1.2 based. > But due to my deactivated browser history i can not find this page again > and so i tried to stop the system modules from the Geronimo console: > > Stopped application > org.apache.geronimo.configs/myfaces-deployer/2.2.1/car > org.apache.geronimo.configs/myfaces/2.2.1/car > > Unfortunately i get another exception from Geronimo when i try to deploy > the webapp: > > 2011-06-26 21:32:47,432 ERROR [web]] StandardWrapper.Throwable > java.lang.IllegalStateException: No Factories configured for this Application. This happens if the faces-initialization does not work at all - make sure that you properly include all configuration settings necessary for a basic faces application and that all the necessary libs are included. Also check the logging output of your web application and your container for any exceptions! > If you did that and find nothing, the mistake might be due to the fact that you use some special web-containers which do not support registering context-listeners via TLD files and a context listener is not setup in your web.xml. > A typical config looks like this; > <listener> > <listener-class>org.apache.myfaces.webapp.StartupServletContextListener</listener-class> > </listener> > > at javax.faces.FactoryFinder.getFactory(FactoryFinder.java:106) > at javax.faces.webapp.FacesServlet.init(FacesServlet.java:132) > at org.apache.catalina.core.StandardWrapper.loadServlet(StandardWrapper.java:1065) > at org.apache.catalina.core.StandardWrapper.load(StandardWrapper.java:967) > at org.apache.catalina.core.StandardContext.loadOnStartup(StandardContext.java:4343) > at org.apache.catalina.core.StandardContext.start(StandardContext.java:4649) > > I dont know how to deal with that issue now... > Maybe the problem results from the way i deploy the webapp to Geronimo? > > I use Eclipse 3.6.2 and the Geronimo 2.2.1 server adapter for deploying the > webapp. The webapp is a Maven based project which i imported to Eclipse > and then i set the facet Dynamic web module to the project. > > If i look at the directory $WORKSPACE/.plugins/org.apache.geronimo.st.v21.core then i find > a war file but there are no libs in the folder WEB-INF/lib... > > Are they not deployed to Geronimo? Does Geronimo get the projects classpath > then i deploy the webapp to it? > > Or am i wrong and i have another issue with Geronimo and JSF 2? > > thanks in advance > > Joysn
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text:
Real Property, Life estate, Remainder. Insurance, Fire insurance: remainderman's interest, apportionment of proceeds. Limitations, Statute of Contract, Implied.
Statement by RONAN, J., of the principles that policies of fire insurance are personal contracts of indemnity between the insured and the insurer; that the proceeds are not substituted for the property after its destruction or damage; that an insured who has procured the policy
Page 545
at his own expense receives the proceeds for the benefit of himself and any other persons named therein as insured, to whom he is accountable in proportion to the values of their interests in the property.
One owning a remainder in real estate insured against fire by a life tenant at his own expense for the benefit of "devisees under" a will by which both the remainderman and the life tenant had acquired their titles was entitled after a loss to only such part of the proceeds of the policy as was proportionate to the value of his remainder.
Failure of one, who by devise had a remainder in real estate, to bring suit within the period of the statute of limitations against a life tenant under the same will whom he had permitted to collect and retain the entire proceeds of fire insurance placed by the life tenant upon the property for the benefit of "devisees under the will," barred the remainderman from recovering even the portion of the proceeds to which he was entitled.
BILL IN EQUITY, filed in the Superior Court on August 6, 1941, and afterwards amended.
The suit was heard by Cabot, J.
C. F. Lovejoy, for the defendants.
C. Hamilton, for the plaintiff.
RONAN, J. Mary D. Converse devised a homestead estate to her husband for life, and upon his death to her daughters, Mary Ida Converse (hereinafter called Mrs. Converse, she having married one of that surname,) and Frances Eugenie Leland, for their lives and upon the death of either of them to the survivor for life, and upon the death of the survivor to the oldest grandson of the testatrix then living and his heirs. Mary D. Converse died in 1903. She was survived by her husband, who died in 1904, by her two daughters, Mrs. Converse and Mrs. Leland, who died in 1940 and 1941 respectively, and by a son, Harry E. Converse, who died in 1920, leaving three sons, the oldest of whom is the plaintiff who was born in 1894. After the death of her father, Mrs. Converse continued in possession of the homestead in accordance with an arrangement with her sister, Mrs. Leland, by which Mrs. Converse was to pay the taxes, insurance premiums and all expenses in connection with the upkeep of the property. The homestead was so badly damaged by fire on April 2, 1931, that it was necessary to raze the portions left standing after the fire. It was never rebuilt. At the time of the fire, Mrs. Converse had obtained at her own expense eight insurance policies.
Page 546
One policy was on the contents in the amount of $1,500, and another on the building in the amount of $2,000. She was the only party insured in these two policies. The present controversy does not concern these two policies. The remaining six policies covered the building in the aggregate amount of $28,000, and the insured in each of these six policies were described as the "Devisees under the will of Mary D. Converse." The amount of this insurance was in excess of the value of the life tenancies of Mrs. Converse and Mrs. Leland. The loss on the building was settled for $29,000. A check for $1,933.34 was given to Mrs. Converse in payment for the loss under her policy. Checks for the payment of the loss under the other six policies, amounting to $27,066.66, were made payable to the "Devisees under the will of Mary D. Converse." These checks were sent in May, 1931, to the plaintiff, a resident of California, who returned them after indorsing them. The proceeds of these policies were retained by Mrs. Converse, in accordance with an arrangement with Mrs. Leland, as a part of her general funds and not as a separate fund. None of this money was paid to Mrs. Leland, to the plaintiff or to any other devisee under the will of Mary D. Converse. After the plaintiff returned the indorsed checks, he never communicated with his aunt Mary Ida Converse with reference to the proceeds of these checks and made no demand for payment until shortly after the death of the last life tenant, Mrs. Leland, in 1941, when he requested the executors of the will of Mrs. Converse to pay him. He did not learn until after the death of Mrs. Leland that Mrs. Converse had not kept this insurance money segregated but had treated it as a part of her general funds. A final decree was entered ordering the executors to pay him the principal sum received by Mrs. Converse on these six policies less a proportionate part of the expense paid by Mrs. Converse for the services of an adjuster in settling the loss, together with interest from the death of Mrs. Leland. The executors of the will of Mrs. Converse appealed from this decree. The plaintiff also appealed from this decree ordering the bill dismissed as against the executors of the will of Mrs. Leland.
Page 547
The case was submitted to the trial judge upon a statement of agreed facts. The plaintiff now claims that the letter sent to the plaintiff which accompanied the checks and requested him to indorse and return them, the letter thanking him for returning the checks, and a copy of the will of Mrs. Converse were immaterial, but it is not necessary to pass upon this question for, if they were disregarded, it would not affect the conclusion that must be reached upon the admitted facts. This court on appeal in equity from a final decree based upon an agreed statement of facts may draw the inferences of fact deemed by it to be proper, without regard to the inferences drawn by the court below. Stuart v. Sargent, 283 Mass. 536. Palley v. Worcester County National Bank, 290 Mass. 501.
The question here is whether the plaintiff is entitled to recover all or any portion of the proceeds of the six fire insurance policies. The bill of complaint is based on the theory that the proceeds of policies which were obtained not only for the benefit of the life tenants but also for the protection of the remainderman constituted a fund, the income from which belonged to the life tenants and the principal to the remainderman who became entitled to the payment of the principal upon the termination of the last life tenancy. In other words, the contention is that as between the life tenants and the remainderman the insurance money was substituted for the property.
Where, as here, there is nothing to show that Mrs. Converse was required by the terms of her mother's will creating her life estate or by any agreement with the plaintiff to obtain fire insurance in his behalf, she was not bound to obtain such insurance either for her own benefit or for that of the plaintiff. A life tenant or a remainderman may obtain insurance upon his own interest and for himself alone. A remainderman has no claim upon the proceeds of fire insurance received by a life tenant from insurance obtained by a life tenant who was under no obligation to him to carry insurance, where the policies were obtained by the life tenant in his own name, at his own expense and for his sole benefit. A remainderman has no interest in contracts of
Page 548
insurance in which he was not a party and which were not obtained for his protection. The fact that the property was insured by the life tenant for its full value is not enough to show that he intended to cover the interest of the remainderman. If a life tenant, who has insured for his own benefit, receives from the insurers more than the value of the life tenancy, that is a matter between the parties to the contracts of insurance and creates no claim in favor of the remainderman in the excess paid over the value of the life tenancy in the property. The underlying principle is that fire insurance policies are personal contracts providing for the payment of indemnity to the insured in case of loss, and the amount received does not stand for nor represent the property damaged or destroyed although the measure of indemnity depends upon the determination of the value of the interest of the insured in the property covered by the policies. In a word, the money received by a life tenant from his own contracts of insurance belongs to him, and he cannot be compelled to hold the money as though it were substituted for the property or as though it were the proceeds of the property. The law in this respect was settled by Harrison v. Pepper, 166 Mass. 288, a decision which has been frequently cited and which is in accord with the great weight of authority. Bell v. Barefield, 219 Ala. 319. Corder v. McDougall, 216 Cal. 773. Spalding v. Miller, 103 Ky. 405. King v. King, 163 Miss. 584. Addis v. Addis, 14 N. Y. Sup. 657. Gorman's Estate, 321 Penn. St. 292. Bennett v. Featherstone, 110 Tenn. 27. Thompson v. Gearheart, 137 Va. 427. See Dando v. Porter, [1911] 2 Ch. 350. Compare Crisp County Lumber Co. v. Bridges, 187 Ga. 484; Sampson v. Grogan, 21 R. I. 174; Green v. Green, 50 S. C. 514.
We must determine whether any obligation was imposed upon Mrs. Converse in favor of the plaintiff by her collection and retention of the proceeds of the six policies. We need not decide whether at the time of the fire the plaintiff had a contingent interest in the homestead which did not vest until the death of the last life tenant, or had a vested interest which was subject to be divested if he died before the life tenancies had terminated,
Page 549
see National Shawmut Bank v. Joy, ante, 457, for the plaintiff stood in such a relation to the property that its destruction or damage would cause him a loss, see Womble v. Dubuque Fire & Marine Ins. Co. 310 Mass. 142, 144, and the parties have agreed that at the time the policies were issued and when the fire occurred the plaintiff had an insurable interest. No one of the parties insured was specially named in the policies. They were designated as the "Devisees under the will of Mary D. Converse." The plaintiff was one of these devisees, and the defendants concede that he was one of the parties insured. It would seem to follow that the policies indemnified the plaintiff against a loss that he might sustain from damage by fire to the extent of his interest in the property covered by the policies. If a loss occurred, he was entitled to receive the proportion of the proceeds of the insurance that the amount of his loss bore to the total amount of the loss sustained by all parties whose interests in the property were covered by the policies. This was the measure of his financial interest in the amount of money paid by the companies in the adjustment of the loss, and upon the payment of the loss to Mrs. Converse, in 1931, she became indebted to him for the amount of his share. There is nothing in the agreed facts that would warrant an inference that the plaintiff made any agreement with her with reference to the disposition of the proceeds or any part of them. See Old Colony Trust Co. v. Puritan Motors Corp. 244 Mass. 259; Commonwealth v. Snow, 284 Mass. 426; Povey v. Colonial Beacon Oil Co. 294 Mass. 86. The record discloses no agreement or trust unless one is to be inferred from the facts stated in this opinion. See Peck v. Scofield, 186 Mass. 108; Chace v. Gardner, 228 Mass. 533; Atkins v. Atkins, 279 Mass. 1; Levy v. Levy, 309 Mass. 486.
Upon the agreed facts, there is nothing in the plaintiff's contention that the proceeds of the insurance were substituted for the property and that he had "a vested interest in a contingent right" to the entire proceeds. We think his only interest in the proceeds was the amount proportional to the loss he sustained at the time of the fire, and that he did not acquire any greater interest because ten years after
Page 550
the fire he became the sole owner of the homestead or because the insurance was collected by a life tenant rather than by someone else. The fact that the life tenant and the remainderman are insured in a policy entitles each to the payment of indemnity in the case of loss but, in the absence of an agreement between them, does not substitute the indemnity so paid for the insured property or justify us in ignoring the distinction that has been frequently pointed out between the indemnity and the property. King v. State Mutual Fire Ins. Co. 7 Cush. 1. Wilson v. Hill, 3 Met. 66. Lerow v. Wilmarth, 9 Allen 382. International Trust Co. v. Boardman, 149 Mass. 158. Burlingame v. Goodspeed, 153 Mass. 24. Boston Marine Ins. Co. v. Proctor, 168 Mass. 498. Underwood v. Winslow, 234 Mass. 550.
The value of the plaintiff's interest in the property at the time of the fire was capable of being fairly ascertained. In Doyle v. American Fire Ins. Co. 181 Mass. 139, it was held that a tenant by the curtesy initiate in his wife's land had an insurable interest and in case of loss the value of his interest could be estimated. See also Alexander v. McPeck, 189 Mass. 34; Clarke v. Fay, 205 Mass. 228; Whiteside v. Merchants National Bank, 284 Mass. 165.
The plaintiff was entitled to receive his share of the proceeds from his aunt. Upon the agreed facts she stood in no other relation to him than as a debtor for the amount of his share. The answer sets up the statute of limitations. The failure of the plaintiff to demand and enforce payment of his share from his aunt who lived for more than nine years after the receipt of the money bars him from recovery. No reason appears why an action for money had and received could not have been maintained if seasonably brought. Looney v. Looney, 116 Mass. 283. Knowles v. Sullivan, 182 Mass. 318. Sherman v. Werby, 280 Mass. 157. Evatt v. Willard D. Martin, Inc. 302 Mass. 414.
There was no error in dismissing the bill against the executors of the will of Mrs. Leland for she never received any of the insurance money. The final decree must be reversed and a decree entered dismissing the bill with costs.
Ordered accordingly.


text:
Mink trimmed nightwear is shown at London fashion show.
Short Summary
Mayfair, London.
LV. Model Gay Protheroe wearing mink trimmed panties and mink trimmed bra called the 'Love Nest' - complete set costing 100 guineas. CU. The remarkable hairstylist "Raymond" (known as "Teasie-Weasie") looking on. SV. Gay Protheroe turns and opens up the nightie revealing mink trimmed bra and panties. SCU. Two women watching. SV. Mya Koumani, ABC starlet wearing mink trimmed 'Baby Doll' set costing 60 guineas. CU. Back view, mink trimmed nightie, model turns round revealing front view. CU. Mink trimmed nightie, pan down to mink trimmed short nightie. SV. Woman watching. CU. Pan down Jane Rieger wearing 'First Night' night-dress costing 50 guineas. CU. Showing bottom of nightie mink trimmed. CU. Bottom of nightie - mink trimmed. CU. Mink trimmed bra belonging to the 'First Night' nightie.
Note: Alternative spelling: "Teasie-Weasie" & "Teezie-Weezie". This is most probably Christian Dior show - there are two big letters D (Dior's D's) on each side of curtain from which the girls appear.
- Film ID:
- 633.21
- Media URN:
- 32575
- Group:
- Pathe newsreels
- Archive:
- British Pathé
- Issue Date:
- 18/02/1957
- Sound:
- Sound
- HD Format:
- Available on request
- Stock:
- Black & White
- Duration:
- 00:00:54:00
- Time in/Out:
- 01:32:51:00 / 01:33:45:00
- Canister:
- 57/15