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1. Amsterdam: Open Boat Canal Cruise with Onboard Bar
Admire Amsterdam's picturesque waterside landmarks on a 100% electric cruise. Take in incredible views of the city's famous landmarks from an open boat and experience a relaxing way to sightsee, free of traffic. Learn informative and entertaining insights about the sites along the route. See the 17th-century buildings lining the famous canals, as well as new stylish buildings showcasing the influential 21st-century city that Amsterdam has become. Sail by the Hermitage Museum, then glide past the Skinny Bridge, the posh Amstel Hotel, and the charming neighborhood of Grachtengordel. Enjoy an open-air boat experience on a sunny day or stay warm with a protective covering on cooler days. In the winter months, relax on an enclosed boat to keep you warm. Benefit from the flexibility of a one-use ticket that can be used on any one of the cruises departing within the hour you booked.

subset: commoncrawl


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I don't know which is worse: realizing you cannot keep a promise you made to someone important to you, or being the person who relied on the promise when you grasp that it is not going to be kept.
In 1973, I was 33 years old and just starting a public-speaking career. The National Speakers Association asked me to join, and I became a charter member. Our first president, the late Bill Gove, was a terrific speaker and also a great salesman—one of the top life insurance salesmen in the country for many years.
One of his favorite lines was quite telling. He would ask his prospect, "How much life insurance do you have?" The person would tell him. Bill would pause, get a funny look on his face, and deliver the punch line as a question: "You don't plan on being dead very long?" Every time I saw him deliver that line, the audience would roar.
Were Bill alive today, he would probably be selling annuities to those same clients. I don't understand why insurance companies don't call annuities "enjoying-life insurance." If they did, they would probably sell more. Somehow I can't see Bill telling a story of asking a prospect about their retirement portfolio, and then delivering the punch line, "You don't plan on being retired very long?" My guess is the audience would shift in their seats and perhaps chuckle uncomfortably. What's the difference? An entire generation would know he is right; we are very worried that we won't have enough money to enjoy retirement.
So what has changed since 1973? Most of us never thought too much about retirement when we were younger. In the 1970s, if you worked for the government, were a union member, or worked for a medium to large corporation, there was a good probability that you were guaranteed a pension, particularly if you worked there for any length of time. Couple that with Social Security and you could enjoy retirement. My dad had two pensions—one from the State of Illinois and another from the post office—and he did just that.
During my career, I trained salespeople and managers. I always warned salespeople not to exaggerate or overpromise to their clients. I told them: "Don't let your hippopotamus mouth overload your hummingbird ass!" That line certainly got their attention. The consequences of not keeping a promise in the marketplace can be devastating. They can include the loss of a client, but also the loss of your reputation.
The corporate world, many unions, and federal, state, and local governments are all guilty of doing just that. They made pension promises to their employees that they just could not keep. I had a good friend who became a senior pilot at Delta Airlines and was quite proud the day he flew his last flight into Atlanta Hartsfield Airport. The customary fire hoses greeted his plane, and he had a big retirement party. Less than two years later, Delta filed for bankruptcy, the government took over its pension obligations, and his pension was drastically reduced. Sad to say, he passed away within five years.
The current Employee Benefit Research Institute Retirement Survey reports that only 3% of employees in the private sector have a pension plan. The rest have some sort of savings plan, like a 401(k). Corporate America has successfully unraveled from its pension promises in two ways: either companies bellied up and shifted the pension liability to the government; or they transferred the responsibility back to individual workers. It is now our job to worry about our own well-being. In effect, companies now just administrator voluntary savings plans for their employees.
While corporate America made promises it could not keep, at least most companies 'fessed up to the economic reality, explained that making good on their promises would force them into bankruptcy, and got out from under those commitments.
Our government is doing the opposite of 'fessing up. While corporate America is unraveling from economic promises it could not keep, governments big and small are doing the opposite. In addition to their generous pension plans, we all now have health care (even non-citizens), food stamps, longer-term unemployment benefits, etc. The list of promises goes on and on. The government has its hippopotamus mouth going full blast in every election cycle, making promises to win elections.
Those who speak up (see Ron Paul) and point out that those economic promises are going to bankrupt us all are criticized and ridiculed. Unfortunately, there is one major difference between corporate America making promises and the government doing the same: the government is making promises with our money! It is driving us into bankruptcy. When that happens, the value of a country's currency will normally collapse, destroying the wealth of seniors and savers in the process.
While it may be bleak, it is not hopeless. I recently read John Stossel's latest book, No, They Can't: Why Government Fails—But Individuals Succeed. The book outlines our current predicament in very easy-to-understand terms. It also strengthened my personal resolve and gave me hope… a funny choice of words, as I think about it.
Every day, more people see these promises for what they really are: hollow and illusionary. There is no point in debating whether they were made in good faith or not. Who the hell cares? The real issue is: they are promises that are financially impossible to keep.
John's book reinforced what I already knew: Americans are a hardy lot, and a lot of us succeed in spite of horrible obstacles placed in front of us. The first step is to pop the illusion bubble, accept the responsibility for our own retirements, and get on with the job.
Oh, and to address the question I asked in the first paragraph. Worrying about breaking a promise is only important to folks with a conscience—not the kind of people who will just tell others whatever they want to hear. Guess what? We are on to their game and their phony promises. Educated, take-charge retirees can thrive when they put their minds to it. The government may renege on their promises, but we will succeed in spite of that.
I was so impressed with Stossel's book that I invited him to join us for an exclusive discussion on the challenges facing seniors. In addition, I've pulled together other experts including David Walker, former Comptroller General of the United States, and Jeff White, president of American Financial Group, to give you practical solutions to today's financial challenges.
Our event, America's Broken Promise: Strategies for a Retirement Worth Living is free, and is available on-demand. Act now to watch this special event and learn more about the challenges facing retirees and savers.


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American model, actress Carolyn Murphy topless sexy by Bruce Weber for V Magazine (Fall 2017)
Carolyn Murphy (born August 11, 1974) is an American model and actress.
In 1998, Murphy was named VH1/Vogue's "Model of the Year". She played "Dubbie" in Barry Levinson's film Liberty Heights. She was one of the "Modern Muses" on the November 1999 millennium cover of American Vogue and was chosen to represent Calvin Klein's perfume "Contradiction". In 1998, during a photo shoot for Elle, the photographer noticed her resemblance to the actress Gene Tierney and dubbed her "The blonde Gene Tierney".
Murphy has shot campaigns for Missoni, Versace and Tiffany & Co. In 2005 she was featured on the cover of the Sports Illustrated Swimsuit Issue.
In July 2012, Murphy was hired to replace Angela Lindvall as host of Project Runway: All Stars on Lifetime, after Rosie Huntington-Whiteley dropped out for a film project. In 2012, Murphy was ninth on the Forbes top-earning models list, estimated to have earned $3.5 million in one year.
As of 2015, Murphy and boyfriend Lincoln Pilcher practice Transcendental Meditation.


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Citigroup, Inc. – Banks The Good, Bad And Ugly !
Citigroup, Inc. - Banks the Good, Bad and Ugly !
Citigroup continues to be one of the leading Banking Companies. It is on a Strong Hold, but my Indicators are breaking down. I believe it will continue to try to test its highs in the coming weeks. It has been on a steady rise in price since the lows of $24.00 per share in June 2012. My weekly study / forecast of all my High Profile Financial / Major Banks is how I determine WHY.
A Pull-Back could well be in the making for (C) as well as for the Banking Industry.
You may want to review my articles on C (just click) you will be provided with the exact history of the accuracy of my Forecasting / Formal Recommendations and much more.
My Performance for Citigroup can be reviewed in the below table and is over 100% per year for the last 1.5 years.
My objective is to identify changing trends for my forecasting analytics. Simple stated, I want to have current notes to quickly refer to on the anticipated direction of this sector and industry group.
A Special Note for Seniors & Retired Investors - Dividend Yield: 0.07% This is one of those Companies that is stingy with dividends.
Forecast w/ Performance:
Note: The below Table is for your review, questions and perhaps thoughts. If you would like to "Invest Wisely" in my "Growth Asset Allocation Model," please email me to open a dialog on how I go about providing superior performance with a very low threshold of risk.
My current forecast is not as bright as you may think! (I will be more specific upon your email request).
I have reservations about my fundamental valuation; however, it is on my Initial Bearish Forecast - "Warning."
My current opinion is to hold in anticipation of taking profits. This may be at even higher prices, but there will be an end and time to sell, but that is not currently in my forecast. That is a balancing of my below three (weighted) pillars of research.
Fundamentally - ( weighting - - 40% ): My Analytics for my fundamental valuation play a vital role in profitable managing money. Earnings continue to be relatively strong.
Technically - ( weighting - - 35%): Within this outstanding company, my indicators remain strong. It is off of its highs of $54. selling for $48.
Consensus Opinion - ( weighting - - 25% ): My third pillar of research is one that is always distorted to the positive by most all financial analysts. That's because they are afraid of being bearish. I am not! My articles on "reality" are supportive of the below 20 year Chart.
I will personally and promptly reply to any serious investor's inquiry as to my very cautious position for C !
A Twenty Year Perspective of Citigroup, Inc.
Citigroup has taken some big hits over the years!
URL for (20-years of -(C): http://stockcharts.com/h-sc/ui?s=C&p=W&yr=20&mn=0&dy=0&id=p61256729011&a=310675867
"Selectivity" is what I preach (along with discipline and patience) and is what separates the average investor and mutual funds from the profits that come with long-hours / hard work and "selectivity."
Here are a number of the Component Companies / Peers in the Major Bank Industry Group that I focus on rather frequently if you wish to follow me: (C), (BAC), (WFC), (JPM), (KEY), (USB), (FITB), (BK), (STI), (BBT), (PNC), (STT), (CMA), (NTRS), (MTB), (BKU). And, more . . .
If you are seeking guidance or direction, please feel free to email me. My personal blog or site is: Investing Wisely.
Smile, Have Fun, "Investing Wisely,"
Dr. Steve
Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.


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Sheryl Crow Has a 'Theory' That Cell Phone Use Caused Her Brain Tumor
Katie Couric's new daytime talkshow is barely 24 hours old and it's already the source of controversy.
On yesterday's inaugural episode of Katie, guest Sheryl Crow volunteered a theory that her benign brain tumor was the result of cell phone use.
"There are no doctors that will confirm that," the 50-year-old singer told Couric, "[but] I do have the theory that it's possible that it's related to that."
As The Blemish put it, "oh, good, another celebrity with a theory."
Indeed: Crow said her meningioma was located in the "cell phone area" — a clinical term, no doubt — and placed the blame on excessive cell phone use early on in her career: "[In the] early, early days when I was promoting my first record, I did hours of phoners on the old archaic cell phones."
Of course, there is no existing data to back any of this up. Then again, there have been no long-term studies on the effects of cell phones on verbal diarrhea.
Someone should definitely get on that.
[photo via Getty]


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Unlawful Entry1992 Suspense/Thriller
After a break-in at their house, a couple gets help from one of the cops that answered their call. He helps them install the security system, and begins dropping by on short notice and unofficial patrol, and spends a lot of time discussing the couple's problems with the wife. The husband begins wondering if they're getting too much help.


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$6.63 $7.80 You Save 15% ($1.17)
Air paints pair seamlessly with the rest of the Citadel Colour range, featuring a thinner formulation that makes them work perfectly with your airbrush.
Formulated to work with your airbrush, smooth matt finish, water-based formula.
One pot contains 24ml of base paint.
Collections: Citadel Paints - Air


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One in five Mac computers is likely to carry Windows malware, but only one in 36 is likely to be infected with malware specifically designed for the Mac OS X, according to study performed by antivirus firm Sophos.
Sophos collected malware detection statistics from 100,000 Mac computers that run its free antivirus product and found that 20 percent of them contained one or more types of Windows malware.
When stored on a Mac, Windows malware is inactive and can't do any harm, unless that computer has Windows installed as a secondary OS.
However, such malicious files can still be transferred unknowingly by Mac users to Windows machines via file sharing, USB memory sticks, external hard disk drives and other removable media devices.
Sophos' analysis also revealed that 2.7 percent of the 100,000 scanned Macs were actually infected with Mac OS X malware and a large part of those infections, 75 percent, were with the Flashback Trojan.
Flashback is a family of Mac OS X malware distributed through social engineering and automated Web exploits. Sophos' products detect applications from this malware family as OSX/Flshplyr.
A recent Flashback variant that appeared at the end of March and spread by exploiting a vulnerability in the Java browser plug-in, managed to infect almost 700,000 Mac computers.
Around 650,000 Macs are still infected with it, despite Apple releasing a patch for the Java vulnerability and a Flashback removal tool, according to a report released on Friday by antivirus firm Doctor Web.
The second most common type of malware detected by Sophos' Mac antivirus product was OSX/FakeAV, with 18 percent of the total. OSX/FakeAV is a family of Mac OS X scareware applications that includes fake antivirus programs like Mac Defender, which first appeared in May 2011.
OSX/RSPlug, a Mac OS X version of the DNSChanger computer Trojan, was the third most common detection and accounted for 5.5 percent of the total. This malware forces infected computers to use rogue DNS (Domain Name System) servers controlled by attackers.
The rogue DNS servers used by the DNSChanger botnet were seized by the FBI last year and were temporarily replaced with good ones, to allow the malware's victims to clean their computers.
The replacement servers are scheduled to be shut down on July 9, but according to the FBI, there are still 350,000 computers infected with the malware. If the servers are shut down, those computers will no longer be able to access the Internet.
"Some Apple fans might feel relieved that they are seven times more likely to have Windows malware on their Macs than Mac OS X-specific threats, but they shouldn't be," said Graham Cluley, a senior technology consultant at Sophos, in a blog post on Tuesday. "What Mac users really need to do is protect their computers now (there really is no excuse, free anti-virus software is available for Mac home users), or risk allowing the malware problem on Macs to become as big as the problem on PCs in the future."


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|EKET Information
|Southeastern Nigeria
|1 million
|Eket (Bantu)
|Igbo, Idoma, Bangwa
|Types of Art:
|The masks and accouterments of the Ekpo society make up the greatest works of art in Ibibio society. Drumming and music are also important elements in Ekpo ceremonies. The wooden sculpture from this area is often very detailed, and artists are just as likely to capture beauty as they are the hideous forms of evil spirits.
|The Eket are really a subgroup of the Ibibio, and their history is best described in that context. The Ibibio have lived in the Cross River area of modern day Nigeria for several hundreds of years, and though written information about them only exists in colonial records from the late 1800s on, oral traditions have them in the region much earlier than this. The Ibibio were very resistant to colonial invasions, and it was not until after the end of World War I that the British were able to gain a strong foothold in the region. Even at this time, however, the British found it necessary to incorporate Ibibio Ekpo traditions in order to impose indirect rule in the region.
|The main economic staple in the region is the oil palm, the oil of which is extracted and sold to external markets. Among the Ibibio, those of the highest rank in the Ekpo society (Amama) often control the majority of the community wealth. The Amama often appropriate hundreds of acres of palm trees for their own use and, with the profits they earn, ensure that their sons achieve comparable rank, effectively limiting access to economic gain for most members of the community. The Ekpo society requires that its initiates sponsor feasts for the town, which foster the appearance of the redistribution of wealth by providing the poor with food and drink. In effect, this allows the disparity in wealth to be perpetuated in Ibibio society.
|Political Systems:
|Individual villages are ruled by Ekpo Ndem Isong, a group of village elders, and the heads of extended families. Their decisions are enforced by members of the Ekpo society who act as messengers of the ancestors (ikan). Ekpo members are always masked when performing their policing duties, and although their identities are almost always known, fear of retribution from the ancestors prevents most people from accusing those members who overstep their limits, effectively committing police brutality. Membership is open to all Ibibio males, but one must have access to wealth to move into the politically influential grades.
|Ibibio religion is based on paying tribute to the village ancestors. Failing to appease these ancestors will result in the wrath of the Ekpo society. The most important ancestors are those who achieved high rank while living, usually the house heads. They may control the fortunes of the descendants, and are free to afflict those who fail to make the proper offering, or those who fail to observe kinship norms. Ala is the earth deity and is appeased through Ogbom ceremony, which is believed to make children plentiful and to increase the harvest. It is performed in the middle of the year, every eighth day for eight weeks by each section of the village in turn.
|McIntyre, L. Lee and Christopher D. Roy. 'Art and Life in Africa Online.' 1998: The Art and Life in Africa Project, http://www.uiowa.edu/%7Eafricart/toc/people.html


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Hi all!
I know I haven't blogged for a while! I caught the virus that has been going around here and frankly I haven't felt like doing anything much or that I could do much :-P
I had my Accuquilt Go! Club yesterday and we featured the rag dies. I pulled out my bin of orphan rag blocks to take with me and saw just how many of them I have and thought - I wonder if there is enough of like colours for a little quilt? So, last night I made this.
A nice little lap quilt good for the Christmas season. Needless to say this used quite a few of those orphan blocks and also some Minecraft Creeper Quilt scraps - yey! This quilt uses the large and small rag squares and the now discontinued rag rectangle (the Go! is discontinued but the studio one still exists). I have often thought that it was a real shame that the Go! rectangle was discontinued as it works so well with the other two dies and you can make so many different patterns with it. This one is a sort of Take-5 Variation and it is wonderful for using up bits :-)
Here is the old rectangle next to the old large square. One day I was looking at these and thought - hmmm, I wonder . . . . .
If you cut a 5 1/4" strip from your flannel fabric (or whatever you are using) fold it in half lengthwise and then lay it across the LARGE rag die right next to the blades.
You only need to cover the are of the die that you are using with your cutting mat and run it through your cutter.
Unfold your fabric and there it is!
You have an exact replica of the raggy rectangle without the die! If you are using the newer rag dies this would have the corners cut out but that's not what I have (so I would manually cut these out myself).
So there you go! A little quilt and a new trick. Enjoy!


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Artist Jared Sellers has been toiling away on a few sets of custom video game-related sneakers for around a year now. And the centrepiece of the collection are these incredible Portal kicks.
11 Minutes Of Cozy Railway Planning In Station To Station
What were once knee-high Converse sneakers are now street-ready Long Fall Boots, complete with Portal Gun colour schemes and strappy straps to simulate the actual boots' design (though obviously streamlined so you can still sit down on the bus).
You can see more of his work at his personal site, linked below.
Jared Sellers [Portfolio]


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National Public Radio host Lisa Simeone appears to be breaking the taxpayer-subsidized network's ethics rules by acting as a spokeswoman for Occupy D.C. group "October 2011," which is currently "occupying" Freedom Plaza in Washington, D.C.
Simeone hosts NPR's nationally syndicated "World of Opera" program and "SoundPrint," a program that airs on NPR's WAMU affiliate at American University in Washington, D.C.
When Roll Call asked Simeone about the conflict of interest and the apparent ethics violations, she replied, "Well, I work in radio still, but this is totally different" because she says she's a "freelancer." (SEE ALSO: NPR executives caught on tape bashing conservatives and tea party, touting liberals)
NPR's ethics policy for journalists forbids them from "engag[ing] in public relations work, paid or unpaid."
The code allows for exceptions in cases such as "certain volunteer nonprofit, nonpartisan activities, such as participating in the work of a church, synagogue or other institution of worship, or a charitable organization, so long as this would not conflict with the interests of NPR in reporting on activities related to that institution or organization."
Simeone has appeared in several news stories in recent weeks as a spokeswoman for the left-wing anti-capitalists protests. "Our main focus is that we are against corporatism and militarism," the radio host said, adding that the protesters plan to "occupy" Freedom Plaza for a long time.
"I do know whenever it ends, we are not going to stop acts of civil disobedience, and various acts of civil resistance and organization," Simeone said. "That will be done in the myriad of ways around the country, and again, this is not the end, but only the beginning."
It's unclear if NPR or WAMU granted Simeone an "exception" from its ethics policy to participate in, and advocate for, the Occupy protests. If neither entity did grant her an exception, it's unclear what, if anything, NPR and WAMU plan to do about her ethics violation.
Neither WAMU news director Jim Asendio nor NPR spokeswoman Anna Christopher returned The Daily Caller's requests for comment on the issue.


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The Fed's Latest Moves May Fall Flat, Experts Say
With the White House and Congress at loggerheads over how best to help the U.S. economy, some have pinned their hopes on the Federal Reserve to help fill the void.
Fed Chairman Ben Bernanke says the central bank still has a range of tools it can use to prop up the economy. But Greg McBride of the financial website Bankrate.com is not holding his breath.
"The Fed can only do so much," he said. "Their most effective tools are things that they have used up already. At this point, they've got a few options left, but none of them is a surefire way to either jump-start the economy or get people to borrow or get banks to lend. There's still a demand problem. And that is not something that the Fed alone can fix."
The stock market seemed unimpressed Wednesday by the Fed's latest efforts. The Dow Jones industrial average fell more than 280 points after the Fed announced an effort to push long-term interest rates even lower.
When you lower interest rates, that creates an incentive. But there's no guarantee that a firm is going to act on the incentive.
The agency used its primary tool long ago: pushing short-term interest rates about as low as they can go. That's why you can find a car loan for less than 3 percent, for example, at lenders like the Oshkosh Community Credit Union in Wisconsin.
Loan officer Kathy Steiner says that even with all the cheap money available, people are still cautious when it comes to borrowing for a new car.
"They are not out there just buying a vehicle because they think it's pretty," she says. "They think it through: 'Do I really need this new car, or should we just get the other one fixed?' And a lot of them borrow money to get the other one fixed. If you can get a couple more years out of it for $500, you'll do it."
That same kind of caution may limit any positive impact from the Fed's latest effort to lower long-term interest rates. University of Oregon economist Mark Thoma says cheap business loans don't help much if companies are too nervous to take on additional debt.
"You can lead the firm to water, but you can't make them drink it. When you lower interest rates, that creates an incentive. But there's no guarantee that a firm is going to act on the incentive," he said. "And one of the problems the Fed faces right now is getting firms to actually bite when they lower the interest rates."
'I Have Got To Make This Last'
Meanwhile, the Fed's effort to make life easier for borrowers is creating all sorts of headaches for savers. Sally Inman and her late husband socked most of their life savings into certificates of deposit when they retired. They were counting on the interest to help cover expenses when they quit working and moved to Mesa, Ariz.
"When we first started, we were getting probably 5, 5.25 percent. It was really good," she said. "Now it's like 0.1 [percent] if we're lucky. It's just like not having any interest. You earn smidgens of $2 here or $4 there. It's just ridiculous, and it's very, very difficult."
Inman says she's not about to gamble with her money by putting it into the stock market. But the 69-year-old says she's worried about how long her savings can hold out.
"If I'm like my grandmother, she died just before her 100th birthday. Longevity is in the family. So I have got to make this last," she said. "And it scares me."
The Fed has long been faced with competing goals of keeping prices steady and fighting unemployment, so it's often caught in a kind of tug of war. Top Republicans have accused the central bank of doing too much to goose the economy at the risk of triggering inflation. Some Fed policymakers who share that view dissented from Wednesday's action. But economist Thoma doesn't believe the Fed is being overly aggressive.
"From my perspective, the Fed really hasn't put enough effort into job creation," he said. "They really ought to respond stronger to the job creation part, the unemployment part, than they have so far in this crisis."
Thoma says he's less worried about the price of groceries going up a bit than he is about people who have no paycheck to buy groceries at all.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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Destination weddings are popular among modern bridal couples preferring an intimate gathering of close family and friends for their ceremony plus a mini-vacation. On average, hosting a destination wedding in your home country is easier than trying to plan one in foreign country. You immediately eliminate any international marriage law hassles and other similar issues.
The U.S. offers several spectacular locations for your special destination wedding.
California beach wedding. The Ritz Carlton at Half Moon Bay is a stunning location for an elegant California beach wedding. Located in northern California, about 45 minutes southwest of San Francisco, the hotel hosts intimate weddings for 10 to 30 guests.
Chicago. The Windy City offers numerous choices of venue for your destination wedding, from an elegant affair at the Waldorf Astoria hotel to a whimsical wedding at Café Brauer in Lincoln Park Zoo. Bridal couples also can plan a unique wedding at the Art Institute of Chicago—the historic museum even has its own on-site caterer.
Cruise ship wedding. Wedding cruises are ideal for small groups or larger parties. You can choose to be married on board the ship or at a port destination such as one of the U.S. Virgin Islands. If you choose to get married when the ship docks at one of the tropical settings, your wedding cruise planner will help arrange for the officiant and for the legally binding marriage documents.
Hawaii. The island of Kauai, Hawaii, is a picturesque site for a destination wedding. Wedding vows can be exchanged on a beach or at the stunning Na 'Āina Kai Botanical Gardens. Kauai features several resort locations, and you can work with a wedding planner from the resort to arrange your perfect destination wedding.
Napa Valley. California's Napa Valley has some of the state's most beautiful wine country. Napa Valley destination wedding venues include vineyards, resorts, classic bed and breakfasts, and resorts of all varieties. A vineyard event amid the lush fruits and greenery can help create memorable wedding moments.
New Orleans. The French Quarter, jazz and Cajun cuisine are all integral parts of New Orleans and reasons this Southern city has become a hot spot for destination weddings. Venues such as the Windsor Court Hotel and the Pavilion of the Two Sisters can serve large destination wedding parties with ease.
New York, N.Y. From weddings in Central Park to a ceremony held atop the Empire State Building, a New York wedding can be as bright and glamorous as a Broadway marquee. Other wedding locations include the Brooklyn Bridge, the Waldorf Astoria hotel and the world-famous Conservatory Gardens.
Savannah. One of the most historical cities of the South, Savannah, Ga., also is one of the most beautiful in spring. Historic venues include Conch House, the Ford Plantation and the Brockinton Hall Inn. You can say your "I do" in the heart of Savannah at a venue such as the Mansion on Forsyth Park.
St. Louis. In the heart of the Midwest, St. Louis offers an ideal wedding destination for brides and grooms with family residing on opposite coasts. Meet in the middle in St. Louis, Mo., for a destination wedding. The St. Louis Zoo provides a unique backdrop for a wedding and can be ideal for small or large gatherings.
Walt Disney World. A Disney destination wedding in Orlando, Fla., can be fun for all family members. With more than a dozen resorts and four theme parks, a Disney fairy tale wedding may be the perfect choice for a magical wedding/vacation. Fairy tale fans even can arrange to arrive at their ceremony in Cinderella's Coach, pulled by six Welsh ponies, a driver and two footmen.


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Layla Grace GIVEAWAY
• 09 June 2008
Layla Grace is one of the most beautiful online shops. It's feminine, functional, and full of so many beautiful things for you, your children and your home. One lucky winner will receive a $50 gift certificate to spend on anything in the entire shop. Anything!
My favorites include both the traditional and modern children's bedding (especially the Serena & Lily), pretty pajamas, luscious rings, funky kitchen aprons, and the most unique Moses' baskets you've ever laid your eyes upon. The children's clothing is also to-die-for and the furniture selection is ample. In all, it's a one-stop shop for all things beautiful. Truly it is.
To enter this giveaway you'll need to peruse Layla Grace and choose your favorite in any category. Mention your favorite in your comment and voila, you're entered! Please take a moment and review the giveaway guidelines as well so you understand how this works. And most of all, enjoy taking a look at Layla Grace and discovering one of the best sources for all your favorites~
Giveaway Guidelines:
- You have 5 days to enter this giveaway (closes Friday, June 13 at midnight)
- Make a comment on THIS POST to enter; include above-mentioned info to make it official~
- One entry per person please.
- A randomly chosen winner will be announced Saturday, June 14th.
- It is the responsibility of the winner to contact me with their mailing address within 3 days to secure prize. Thanks!
139 comments:
- AnonymousJune 9, 2008 at 8:23 AM
I love the dwell baby bib/purpcloth combo in the pink carousel blossum. So adorable. I have a little boy so it doesn't look like I will get that pink combo right away but maybe one day!ReplyDelete
I've been searching for a "lovey" blanket for my 3rd child. His older brothers still sleep with theirs. LOVE the selection on Layla Grace---probably the Little Giraffe catagory (have to add---love that they let you search by COLOR!).ReplyDelete
I love the potluck studios ruffled cake stand. I have been wanting a cake stand for ages but have never bought one. How cute would one of those be filled with cupcakes?ReplyDelete
I love the ceramic white cake stands with green ribbons. Such a pretty site! :)ReplyDelete
- AnonymousJune 9, 2008 at 8:56 AM
I want the pearl, peruvian opal charm necklace, personally! It's so beautiful and would go with so many things I love to wear.ReplyDelete
I love the gorgeous moses basket in Neapolitan Blue! I also really love the Champagne Braided Hobo purse! So pretty!ReplyDelete
I love the orange chocolate flower damask flower handbag is so fun and unique. I have five kids and it could hold a lot of little things.ReplyDelete
The Bella Cakestand is gorgeous!ReplyDelete
- AnonymousJune 9, 2008 at 9:11 AM
I LOVE LOVE LOVE the Hailey Kids Hostess Apron for my almost 5 year old sweet baby girl! How much more adorable can an apron be???????ReplyDelete
I really fell in love with the Potluck Studios Ruffled Cake Stands. Visually exciting and super useful!ReplyDelete
I LOVE the multi-colored chandelier for a girls nursery. But just about everything is to die for!ReplyDelete
I love everything Layla Grace.ReplyDelete
that is so crazy, I was at a little boutique on saturday and saw those funktion aprons and totally fell in love.ReplyDelete
- AnonymousJune 9, 2008 at 9:49 AM
I love the gold pearl, Peruvian opal and charm necklace ... I also loved reading what other people picked!ReplyDelete
I love the Abbie Ruffle Hostess Apron, but I could spend hours on this site!ReplyDelete
The dwell bedding duvet set gio aqua is super cute for my little guy turning into a big boy.ReplyDelete
The Fleurville Lunch Sack.ReplyDelete
Maureen (jnomaxx at hotmail dot com)
love serena nad lily bedding!ReplyDelete
I love the Abbie ruffle apron. So cute, and funky!ReplyDelete
I love the Playful Garden Hand Painted Wall Letters...my baby will be here in 8 weeks and then I will know which name I need. Love Layla Grace though, what great stuff.ReplyDelete
I love-love-love theReplyDelete
Silk Gwen Dot Photo Album. However, I'd add a few extra sheets to make it my perfect wedding book!
I do love the Layla!
- AnonymousJune 9, 2008 at 10:37 AM
Layla Grace has been bookmarked on my Mac for quite awhile. I go there occasionally to torment myself.ReplyDelete
I absolutely adore the aprons. My favorite would have to be the Abbie Ruffle Hostess Apron. I certainly would be the hostess with the mostest!
Is it weird that I enjoyed looking at the baby bedding and I'm not even a mom?? Oh well, something to look forward to in the future! I'm always on the lookout for something new! Thanks Steph.ReplyDelete
ooh beautiful!!ReplyDelete
Oh, the 'Marissa Ruffle Half Hostess Apron' is calling my name! I can just see myself wearing it this summer as I host BBQs.ReplyDelete
What a great website. The Fleurville Daiper Bag Lexie Tote Botanical Azure caught my eye, is was lovely.ReplyDelete
The Blue Dot Moses basket is the cutest I have ever seen!ReplyDelete
decisions, decisions....i love the rose quartz bracelet and the marissa ruffle half apron!ReplyDelete
Jessie Steele Hostess apron bib Ava 50's kitchenReplyDelete
Love it. So cute!
It's hard to pick just one thing that I love because this is a beautiful website, and everything is to die for. But my favorites would have to be the crib bedding sets. Dwellbaby's set in Garden Blossom is one of my favorites. Thanks for introducing me to this site: I'll keep it on my list when we're shopping for a baby room!ReplyDelete
- AnonymousJune 9, 2008 at 11:33 AM
We just moved to a new home last week and the Serena & Lily fabric by the yard in blue/cocoa club would look great in our new living room! I would love to make some curtains with that design!ReplyDelete
My eye caught the moccasins.How fun to have them personalized. Green or brown. I can't decide!ReplyDelete
- AnonymousJune 9, 2008 at 11:53 AM
The Jessie Steele Childrens Apron Bib Ava Retro Cherries is so adorable! I had no idea so many cute things for little girls existed!ReplyDelete
Wow, so much to choose from. I really like the Tabitha Ruffle Full Apron in the womens section. Very cute!ReplyDelete
I LOVE LOVE LOVE the Tabitha full ruffle apron!! So cute!ReplyDelete
- AnonymousJune 9, 2008 at 12:31 PM
Geez, where to start! There's so many great things! I love the bedding and lighting sections (see, I have to narrow it down to sections, there's too much good stuff).ReplyDelete
I love the red spot tray and notepad. It is a fun idea to put in my office.ReplyDelete
How could I ever make a choice? A personalized pink tutu, what a fun baby gift and the Fleurville diaper bag's- I would love one or two or three.ReplyDelete
I adore the different designs offered in the Moses Baskets - so cute!! Thanks for sharing this site!ReplyDelete
i am DYING for the Dash & Albert Gypsy rug. the colors are to die for! i LOVE this site and pretty much wish i could buy it all!!!ReplyDelete
Liz B.
What an exciting giveaway - thank you!! I just fell in love with the Tabitha Ruffle Full Hostess Apron - TOO cute for the summer entertaining that will be happening! My fingers are crossed.ReplyDelete
I love the TUTUS!! Particularly the Cosmos Tutu! Oh, the picture possibilities! GREAT GIVEAWAY! THANKS!ReplyDelete
I love the jackie black clutch! Thanks for the inspiration.ReplyDelete
So many beautiful things...Layla Grace is one of my favorites! Right now I am loving the Skip Hop Diaper Bag in City Chic Park Ave Tulip.ReplyDelete
Love the antonio silver circle leaf side table...having recently moved into our home, we could use some awesome accents like that!ReplyDelete
Oh my goodness- I love it all.ReplyDelete
But I'm apron obsessed these days so I would say I want the Tabitha Ruffle full apron.
Thanks for hosting. Love your blog!
My favorite is the Nursery Works Crib Bedding Set (in Bounce Dreamsicle). The orange and polka dots would be perfect for my lil' ones room!ReplyDelete
What if I can't choose just one - will I be disqualified? I LOVE the ballet tutu for C... it is so beautiful and feminine. But I love the ruffled cake stands for me - all three sizes, set up in tiers like they have it to use as a beautiful dessert stand for a shower or tea - darling! Thanks, Steph!ReplyDelete
- AnonymousJune 9, 2008 at 3:16 PM
LOVE all of the Jamie Young lamps!ReplyDelete
What lovely goods! Hmmm, let's see...I'll take the Monica Pastel jammies and the Carlton Chocolate Duvet cover - so modern and clean.ReplyDelete
I love the Bradshaw Kirchofer Grand Mirrored Armoire. :)ReplyDelete
Love the bedding - great store!!ReplyDelete
The petals tutu is my fav! What a wonderful item for dressup and fantastic photo op! :)ReplyDelete
So, I just spent about half an hour looking at all their beautiful rugs. If I had the money I would have a hard time picking my favorite rug! I do love the Abbie Ruffle Hostess Apron, it is so bright and happy! I also love the Bella Cakestand! Here's hoping I will get to go on a little shopping spree! Thanks for the fun giveaways Steph!ReplyDelete
- AnonymousJune 9, 2008 at 4:42 PM
I'm getting ready to move soon so I checked out the home stuff and WOW! I'm in love with this stuff. My favorite is the flame top leaf urn.ReplyDelete
I love the House Inc. Kid's Bedding Neapolitan Chocolate Blue! Thank you for the giveaway!ReplyDelete
Oh my GOODness! I've been eyeing the party hats for a while now... My girl is turning ONE on JULY 1... how perfect would it be if i won this!!! Pretty please?!ReplyDelete
What do I NOT love? The cowgirl bedding you posted is awesome. And I love the wall decor for the kids' room--especially the tweet!ReplyDelete
I love the Shaggy Raggy White Jersey Cotton Rug - super cute!!ReplyDelete
I love this lamp. Chinoiserie Sand Blasted Table Lamp.ReplyDelete
Stunning and would go perfect in my daughter's new big girl room.
The apron is so cute. Makes me want to bake a cherry pie.ReplyDelete
Cadiz Leather Satchel, black is my favorite.ReplyDelete
So hard to choose a favorite. But as it is summer, and I've been shopping for sandals for my 15 mo. old son, I really like the Spartan Sandals by Pazitos.ReplyDelete
I would love to win a gift certificate! I'm so excited to have another idea for online shopping!ReplyDelete
I'm coveting the Potluck Studios Ruffled Cake Stand - all 3 of them!ReplyDelete
I really really really really really neeeeed them!
I adore everything on this site!! I love the children's bedding, especially the neopolitan bedding for both boys and girls. Love the cakestands, I love it all!! Thank you for doing this giveaway!ReplyDelete
So I love the Funky Apron, I just love aprons!ReplyDelete
i love the jessie steele children's apron bib ava retro cherries and matching hostess half apron. i found them in art smocks and aprons under the dress up category under childrens.ReplyDelete
i really like the marissa ruffled half apron. it would make fixing dinner feel almost fun!ReplyDelete
It took me a long time to decide, but I finally decided that I LOVE the dwellbaby Stroller Blanket in Motif Robin (it's so cute!)ReplyDelete
This is a fabulous giveaway! I hope I win!
I love the Abbie Ruffle apron. Anew apron for my new kitchen sounds great to me! This site has some very cute stuff!!ReplyDelete
Yay Nurseryworks! I love it all. The bounce dreamcicle crib set is my favorite. The dresser with the customizable doors is fabulous.ReplyDelete
I love the Dwell baby bedding. I had my baby 1 year ago and still regret not purchasing it... maybe next time!ReplyDelete
It is so hard to pick one thing! I love the Polka Dot Pink Growth Chart. Thanks for a great giveaway!ReplyDelete
- AnonymousJune 9, 2008 at 11:32 PM
SEVENTY-FOUR COMMENTS!?! Now i feel silly how many ladies are seeing me comment on your blog... what a girly-man!ReplyDelete
BTW, I really don't want to win this and take the price from someone else - so if you draw me, just throw me away and draw someone else. I'm just amazed at the number of people here!!
Gorgeous items! I love the Glenda Gies Aqua Bella Handbag!ReplyDelete
Thank you for the chance!
bunnybox9 at gmail . com
- AnonymousJune 10, 2008 at 4:00 AM
There is just soooo much fun stuff to choose from, but I could certainly use a new pair of PJ's and the Emma PJ's in the chandler collection would be oh, so girly!!!ReplyDelete
- AnonymousJune 10, 2008 at 6:02 AM
I've been wanting a Jessie Steele Hostess apron so that'd be my pick!ReplyDelete
I love so many things on the site. I'd love to have the Leon Leather Satchel.ReplyDelete
What a fun line of goodies! I think I would choose either the Chubby Chain Pool Clipboard, the Milly Mandarin Clipboard, the Small Filigree Earrings, or a Barefoot Dreams Cozy Chic Hoodie (just sounds soft and scrumptious!). I use a clipboard often at school, and that would really cheer me up to use something with such a fun design! Thanks for sharing the Layla Grace website!ReplyDelete
I love the little dreamer memory board but holy moly, there is some amazing things on that site!! My sister is due for a baby in January and you can bet I'll be back there to check it out even closer!ReplyDelete
Hard to narrow it down.... but I am in LOVE with the dwell studio transportation crib set! My son is all about everything the "goes"! So cute!ReplyDelete
The green and pink moccasins bu Little Raggio are too cute for words and I love the rugs selection they have too.- JessicaReplyDelete
I love everything, but I've been on the search for a great clutch. I love the Glenda Gies Black and white w/ red rose Jackie handbag!!ReplyDelete
- AnonymousJune 10, 2008 at 12:52 PM
I really love the Abbie ruffle apron...sooo cute!! I could really use one of these or anything else in the store!!ReplyDelete
I'd love to win!ReplyDelete
Oooh, I'm drawn to those rings! The yellow quartz and the lucidite are gorgeous. My five year old flushed my wedding ring down the toilet months ago and I would gladly put one of these pretties in its place!ReplyDelete
I like the Afternoon Rain Framed ArtReplyDelete
We have three horses and I have been looking everywhere for pink and brown cowgirl sheet set for one of my daughters room. These are PERFECT!!! All the stuff here is soooo darling!! Great giveaway!ReplyDelete
Ashley Aqua Rug in an 8 x 10 please. They have an amazing selection of rugs!ReplyDelete
I must have that darling apron, whether I win it or buy it, it's mine!ReplyDelete
Beautiful! I love the Barefoot Dreams 3 piece Take Me Home SetReplyDelete
I think I could cook more if I had a rocken apron the wrap around me! It Could happen!ReplyDelete
Love the Bedhead Cotton Lime Bubble Pajamas -- so luxurious! Its hard to even imagine wearing something that fantastic to bed!ReplyDelete
Oh, where to begin!!!???? SO many awesomely CUTE things!!! If I have to pick one, then my pick is the Rachel Ashwell Shabby Chic Large Squadgy II Chair. Great website!!! I've already bookmarked it for many future visits!!ReplyDelete
I LOVE the dwell baby diaper bags. Especially the Charlotte. But the serena and lily is to die for!ReplyDelete
Sooo cute, my fav item is The Bella Cakestand!!ReplyDelete
I love, love, love the shoes. My baby girl 22 months just started walking and would look so adorable in them.ReplyDelete
What a wonderful, wonderful giveaway! I would love to win!ReplyDelete
I'm getting a new niece to dress. I would love to win!ReplyDelete
love so much on the site, but my favorite has to be the ruffled white cake stand. so very pretty! fingers crossed.ReplyDelete
So many cute things! If I had to pick one, I would chose the Milly Ocean pitcher.ReplyDelete
Seriously, everything's lovely! Coco pink flower sandals.ReplyDelete
I love the ruffled cake stand and the monogramed lampshades! Darling.ReplyDelete
This comment has been removed by the author.ReplyDelete
We're getting ready to move... we sold our house in two days and we're looking for a new home. In November, we'll welcome our second child to the family, and since we have everything for a baby's room already, I'd like to give my three-year-old daughter a special room all her own. I love the vintage fairies glittered hanging board artwork, a perfect addition to the special new big girl room.ReplyDelete
I love the sadie pink and sadie blue party trays, and I adore this sight...so many lovely things!ReplyDelete
I love the Nurseryworks Playdate Table and Stools. It's such a smart design. It saves space with the storage stools that can be tucked neatly under the table.ReplyDelete
loving it the lucky charm horseshoe necklace..how cute would that look on our yearly visit to Saratoga for the horse races!ReplyDelete
I love the Bailey teal and brown rug. Just what I've been looking for!ReplyDelete
I love the "Hot Stuff Children's Smock Apron". It's a great modern fabric for a very needed function!ReplyDelete
It is all beautiful. I especially love all the textiles. Love it.ReplyDelete
How do I even choose... I love everything.ReplyDelete
I have been in the market for an adorable apron so I would have to go with any of the the aprons.
Adorable children's furniture. I've been looking for a toddler bed for my son and I think the Oeuf Furniture Classic Toddler Bed in Walnut would be awesome for him!ReplyDelete
jasonncaryn at yahoo dot com
I might go with the Avocado Bandicoot with Pink Clutch---and it's even on sale! Thanks for the giveaway.ReplyDelete
Erin H.
I LOVE the April Blooms rug!! I want it for my girls room. there's also a lot more there I loveReplyDelete
the jessie steele hostess aprons have stolen my heart! the polka dot one is so fun. thanks for sharing!ReplyDelete
jen c*
Oh,that funky apron would look so good on my stay at home mama-self!Pick me, pick me (oh, yeah, it's a random drawing) : (ReplyDelete
Wow, there's almost too much to choose from! For pure fun, I love the red double handle satchel. That color is awesome!ReplyDelete
Wow! I'm so happy to learn of Layla Grace...I'll definitely be shopping there in the future!ReplyDelete
I'm all about the aprons! I LOVE-LOVE the Abbie Ruffle hostess apron.ReplyDelete
How I love the Little Giraffe bedding......Now if only I had a newborn to go with it!ReplyDelete
What great stuff!
Love Love Love the apron! What a great giveway!ReplyDelete
someday I'll win! I love any of the baby items, especially the bags, decorating items, and bedding.ReplyDelete
I am loving the pajamas for me! Especially the Bedhead and Chandler collections, but a favorite? I could never pick a favorite... I love the whole shop!ReplyDelete
my favorite would have to be that super modern bright green NURSERYWORKS rocker.ReplyDelete
in my dreams... in my dreams...=)
i love the gorgeous mother of pearl earrings. i have wanted some dangly earrings for some time now.ReplyDelete
I love all the aprons but the Tabitha Full Ruffle apron is my favorite. My mom would faint on the spot if she ever saw me in an apron!!ReplyDelete
WOW! What isn't too like! I just had a baby 3 weeks ago and would take anything in the baby section, but I loved the bare foot throw, how soft would that be!!ReplyDelete
Thanks for the opportunity!
Love the modern crib bedding and the rugs!ReplyDelete
- AnonymousJune 13, 2008 at 12:14 PM
All the jewelry on the site is beautiful, especially my favorite item, the Ruby Ring.ReplyDelete
I love love the pretty ruffled cake stand! I always try to plan occasions around my cake stands :)ReplyDelete
Count me in...I love it all!ReplyDelete
Oooh! Such pretty stuff it's hard to choose! I think my favorite are the Fuschia Jade Tear Drop Earrings with Silver Flower. BEAUTIFUL! Thanks for such a fun giveaway! :) Hope I win!ReplyDelete
Would be very hard to choose... my daughter would love the Dwell Cowgirl bedding. I love the cake plates (more for my collection!) and the fabric by the yard by Serena + Lily! All so lovely!ReplyDelete
I love the diaper bag section. There are so many fabulous bags to choose from! I could certainly use a new hip diaper bag for baby #2 coming soon!ReplyDelete
Just discovered your blog, love it, cool giveaway.ReplyDelete
It was really hard to pick just one favorite! But I think I'm going to go with the Potluck Studios Ruffled Cake Stand. So cute!ReplyDelete
Thanks for this opportunity. :)


text:
SYNOPSIS: Charles Dexter Ward's wife enlists the help of a private detective to find out what her husband is up to in a remote cabin owned by his family for centuries. The husband is a chemical engineer, and the smells from his experiments are beginning to arouse the attention of neighbors and local law enforcement officials. When the detective and …Read More »
Home | Tag Archives: The Resurrected


text:
15 years VIB is a project by Belgium based design firm, Coming Soon.
VIB is a life sciences research institute, based in Flanders, Belgium. They perform basic research with a strong focus on translating scientific results into pharmaceutical, agricultural and industrial applications. For their fifteenth anniversary, we did the entire event branding, for which we used only chalk and a huge blackboard. For this event we also designed a box with nine books in it. For the books only we made more then 200 large chalk drawings.


text:
WASHINGTON (AP) — A unanimous Supreme Court says police may not generally search the cellphones of people they arrest without first getting search warrants.
The justices say cellphones are powerful devices unlike anything else police may find on someone they arrest.
Chief Justice John Roberts says that because the phones contain so much information, police must get a warrant before looking through them.


text:
Natural Smokey Fox Blanket
Prices incl. VAT plus shipping costs
Free of shipping costs!
Express Shipping Available
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Natural Smokey Fox Blanket
This impressive natural Smokey fox blanket is a unique item piece. The fox blanket is made of high-quality Scandinavian foxes. Perfect for indoor use to provide continuous warmth in chilly weather, especially for the autumn and winter season. Smokey foxes have a very silky hair with a dense, warm undercoat. The fur blanket is ideal for an afternoon nap in bed covering with our 100% real fur blanket. Lars Paustian guarantees you only the best quality. Our tailor and skinning masters from Kiel work only with the highest quality materials to give you the quality you want. If you have any questions about this Canadian Red Fox Fur Blanket, please do not hesitate to contact us.
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|CITES (Convention on International Trade in Endangered Species of Wild Fauna and Flora):
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Smokey Fox - SAGA Furs
The smokey fox (alopex lagopus forma domestica) is a farmed fox from Scandinavia. Smokey foxes are rare foxes, and they are characterized by their unique and individual color pattern. The hair of the fox skin is soft, silky and compared to other farmed foxes rather long-haired. The color is very similar to that of the cross fox, but usually a little brighter and more golden. Responsible handling of the natural product fur is very important to us, and therefore we always purchase our smokey fox skins from the SAGA Furs in Finland or the Copenhagen Fur auction in Denmark. If you decide to buy a product from Scandinavian smokey fox, you can be sure to receive a first-class fox fur product from excellent Scandinavian fur farms. All our smokey fox fur blankets, fur pillows, and fur accessories are produced by our master furriers in our company in Germany. If you have any questions or requests, please do not hesitate to contact us.
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VentureBeat presents: AI Unleashed - An exclusive executive event for enterprise data leaders. Network and learn with industry peers. Learn More
(By Jim Finkle, Reuters) – A rash of hacking attacks on U.S. companies over the past two years has prompted insurers to massively increase cyber premiums for some companies, leaving firms that are perceived to be a high risk scrambling for cover.
On top of rate hikes, insurers are raising deductibles and in some cases limiting the amount of coverage to $100 million, leaving many potentially exposed to big losses from hacks that can cost more than twice that.
"Some companies are struggling to find the money to buy the coverage they want," said Tom Reagan, a cyber insurance executive with Marsh & McLennan Co's Marsh broker unit.
The price of cyber coverage – which helps cover costs like forensic investigations, credit monitoring, legal fees and settlements – varies widely, depending on the strength of a company's security. But the overall trend is sharply up.
AI Unleashed
An exclusive invite-only evening of insights and networking, designed for senior enterprise executives overseeing data stacks and strategies.
Retailers and health insurers have been especially hard hit by the squeeze after high-profile breaches at Home Depot Inc, Target Corp, Anthem Inc and Premera Blue Cross.
Health insurers who suffered hacks are facing the most extreme increases, with some premiums tripling at renewal time, said Bob Wice, a leader of Beazley Plc's cyber insurance practice.
Average rates for retailers surged 32 percent in the first half of this year, after staying flat in 2014, according to previously unreported figures from Marsh.
Higher deductibles are also now common for retailers and health insurers. And even the biggest insurers will not write policies for more than $100 million for risky customers. That leave companies like Target, which says its big 2013 data breach has cost $264 million, paying out of pocket.
No. 2 U.S. health insurer Anthem ran into difficulties renewing its coverage after an attack early this year that compromised some 79 million customer records, according to testimony from Anthem General Counsel Thomas Zielinski at an August hearing of the National Association of Insurance Commissioners.
Renewal rates were "prohibitively expensive," according to minutes of that session seen by Reuters. The company managed to get $100 million in coverage, Zielinski said, but only after agreeing to pay the first $25 million in costs for any future attacks. The company would not say what that figure was before, but it was likely much smaller.
Opportunity for insurers
The spate of hacks is potentially good and bad for insurers. It means they have to pay out more in claims, but it also highlights the importance of buying insurance and gives them a reason to jack rates up.
As more companies realize the importance of having coverage, and insurers move in to meet that demand, the cyber insurance market is set to triple to about $7.5 billion over the next five years, according to a recent study by consulting firm PwC.
But insurers are wary of the hard-to-predict risks they are taking on.
"We have turned clients away," said Tracie Grella, the global head of professional liability at insurance giant American International Group Inc.
AIG offers cyber policies that cover up to $75 million for a cyber attack, but only for companies like top global banks that have are the most adept at securing networks and mitigating cyber risk.
Another insurer, Ace Group, recently started offering up to $100 million in coverage, but only after an intensive review of potential clients' cyber security policies and procedures.
Warren Buffett's Berkshire Hathaway this month also launched its first cyber policies through its specialty insurance division. "We will be very selective," said Danielle Librizzi, an executive with the insurer.
Retail hikes
Target and Home Depot declined to comment on whether insurers had hiked rates or reduced coverage after massive breaches that exposed tens of millions of credit cards.
Target said in a filing that it expects insurance to cover just $90 million of the $264 million of costs related to its 2013 attack. Home Depot said it expects $100 million in payments toward $232 million in expenses from its 2014 breach.
"A lot of the carriers have gotten burned. They are coming back with harsher and more challenging penalties," said Bob Shaker, a manager at Symantec Corp's breach response team.
Insurance buyers may be able to get more than $100 million in coverage by using a syndicate of insurers organized by a broker. Even so, some have warned they may not have adequate cover.
In the wake of last year's attack on Sony Pictures Entertainment, parent Sony Corp said its financial condition could suffer if it were attacked again, since current policies "might not cover all expenses and losses."
Sony spokesman Mack Araki said the company expects to recover "a significant portion" of the film studio attack's costs from insurers. He declined to elaborate or say if insurers had raised pricing or reduced the limits on its cyber coverage.
Offering advice
Retailers shopping for cyber insurance are coming under pressure to secure their payment systems, just as homeowners are encouraged to install locks on doors and windows.
Insurers are promoting newer technologies for securing payment card transactions that exceed credit card companies' requirements, such as tokenization and end-to-end encryption, said Ben Beeson, a partner with broker Lockton Companies.
"Retailers that don't do that today are going to struggle to get insurance," Beeson said.
But the stringent conditions on coverage could lead to the next chapter of the cyber drama: courtroom battles.
"The restrictions and terms that we are seeing in the underwriting process now will become the claim disputes we see in two or three years," said Lynda Bennett, partner with Lowenstein Sandler. "We definitely expect more litigation."
(Reporting by Jim Finkle; Editing by Jonathan Weber, Richard Valdmanis and Bill Rigby)
VentureBeat's mission is to be a digital town square for technical decision-makers to gain knowledge about transformative enterprise technology and transact. Discover our Briefings.


text:
GotyTV is a search engine for media content. When you search for a show, the system crawls the internet to find any open links for tv shows, movies, anime etc and provides you with the direct link to download and stream videos. Consider GotyTV as "Google" of media content.
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Second season of Masamune-kun no Revenge.
Second season of Masamune-kun no Revenge.
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text:
Beaman Formally Declared Innocent in ISU Killing
An Illinois man who spent more than 13 years in prison before his murder conviction was thrown out has been formally declared innocent in the slaying of an Illinois State University student.
After a judge on Thursday agreed to his motion for a declaration of innocence, Alan Beaman calmly walked out of an Urbana courtroom and told reporters he was relieved.
Beaman had been convicted of the 1993 murder of ISU student Jennifer Lockmiller. He was serving a 50-year sentence when the Illinois Supreme Court in 2008 reversed the conviction.
DNA testing has pointed to two previously unknown potential suspects.
Beaman's innocence petition was one of about two dozen filed under a 2008 state law that allows people to ask a court for a finding of innocence in such circumstances.


text:
Somehow, I have developed a fetish for adventurous Himalayan roads and high passes as they push me to stretch my limits. Adrenalin rush refreshes me to live mundane life for sometime before i could find another reason to hit the Himalayan roads. In 2017, Jalori Pass happened to us and we experienced another surprise in the lap of Himalaya. It is one of the toughest pass to cross in High Himalayan region and I must add it is one of the closest pass from Delhi that calls out for road trip freak like me.
If the road is easy, you're likely going the wrong way ~ Terry Goodkind
Jalori Pass, at 10800 feet from sea level, falls on NH 305 connecting Shimla Valley & Kullu Valley. NH 305 is the life line of the Himachal Pradesh – the real artillery, which passes thru and connects important valleys – Kullu Valley, Shimla Valley, Tirthan Valley and Kinnaur Valley through Jalori Pass. This makes Jalori Pass one of the most important passes of Himalayas – the nodal point between these high Himalayan valleys.
After Spiti Valley trip in 2015, we could not take any road trips to Himalayas and thus this trip to Jalori is special as this was first trip to Himalayas for my little one. We completed complete circuit, Delhi – Shimla – Jalori – Tirthan- Mandi – Delhi, in exact 40 hours which includes a 12 hours stop over at Shimla. On last day, I drove for 24 hours continuously from Shimla to Jalori to Tirthan to Delhi. We know,it was not a sound decision and we should not have done this, however, due to some urgency we had to come back by shortening our trip by one day. We had an option either to come back from Shimla or to complete the circuit by driving for 24 hours at a stretch. My love for mountain driving and desire to cross Jalori made me to opt for second option. So, at last, after Kunzum and Rohtang Passes, I crossed over Jalori pass also with a record-breaking drive of 24 hours at a stretch. Earlier I drove for 20 hours continuously while coming back from Munisyari in Uttranchal to Delhi.
After crossing Kunzum Top, this is the highest pass that i have driven through. Unlike rusty Kunzum Top, Jalori is deep in the verdant forest bordering Great Himalayan National park. Kunjum with gradual inclination was a show of perseverance while Jalori with steep inclination is about stretching limits and testing skills. It is ferocious, it is steep and it is delightful.
Our 2 days Itinerary from Delhi to Jalori Pass
Day one:
Delhi – Shimla with a night stay at Shimla. As per our initial plan we wanted to stay at Narkanda but due to heavy weekend rush, we got stuck in Shimla for good 4 hours and finally decided to stay at Shimla for the night.
Day two:
Started at 4 AM and we took following route:
Shimla – Narkand – Matiana – Kumarsain – Sainj – Luhri – Anni – Khanag – Jalori – Shoja – Gushaini in Tirthan Valley – Jibhi – Aut – Mandi – Sundernagar – Karnal – Delhi. From Sainj to Aut it is called NH 305 which is the erstwhile Old British route with many British era guest houses.
The road less taken – Shimla to Jalori Pass
From Shimla to Sainj, road is good on NH22 and after Sainj upto Tirthan Valley, it was a single lane road. After Sainj, we found solace in driving along Satluj for it had been our constant companion to many trips to Kinnaur and Spiti Valley. Till Luhri, it is a left bank driving along Satluj and after Luhri Bridge, we took left towards Jalori Pass and were on right bank. Right turn from Luhri Bridge will take you on Luhri-Neether Road. It was a scenic drive of 10 KM up to Behna where we bid adieu to Satluj and went deep into verdant valleys, deep gorges along many tributaries of Satluj – known as Khad or Nalla in local dialect.
Right before Jalori Jot from Khanag, road literally disappeared and real adventure started on pebbled-rocky no-tarmac road. It was a steep elevation after Khanag and real adventure began from here as we ascended 2500-3000 feet in last 5-6 KM. This patch and further up to Shoja after Jalori, ride is bumpy and required extreme care while driving.
We were really running late and due to drizzling at Jalori Jot, we didn't stop there. Stretch from Jalori to Tirthan Valley was no different and we enjoyed the descend while passing thru Shoja, Ghiyagi, Banjar before reaching crossroad to decide whether to take right up to Gushaini or left to Aut. We took a right to Gusaaini with an aim to have lunch somewhere in Tirthan Valley and before hitting road to Delhi.
As expected, drive along the cascading Tirthan River all along was a sheer delight. We drove up to Gushaini in search of a restaurant but in vain as lunch time was over. So, it was 3 PM and we were still in Gushaini and Delhi was around 500 KM drive. At this moment we took the audacious decision to give it a try to reach Delhi before sunrise. Looks difficult, but WE DID IT!!
Highlights of our road trip from Delhi to Tirthan Valley via Jalori Pass
Highlights – Drive through famed Apple Orchard of Himachal Pradesh
Highlights – Drive along our beloved Satluj River
Highlights – Gorges and verdant landscapes up to Jalori Pass
Highlights – Crossing numerous rivulets
Highlights – Beginning of real adventures few miles before Jalori Top
Highlights – Cascading Tirthan River
Highlights – First Himalayan road trip of my Little One
Travel Tips for driving across Jalori Pass
- You have to don the hat of skilled and patient driver while chucking the hat of an adventurous soul. It may not be the highest, however, narrow road, step ascend makes it one of the toughest to cross. Do not try to conquer it, as many have done it since time immortal, instead try to live the experience and feel good about your humble accomplishment.
- Always drive in first gear when climbing up or down Jalori pass. Let your engine control your speed not your breaks.
- Keep extra memory cards and battery for your camera as you would definitely take many stops to capture amazing landscapes.
- Keep some food items and water in stock to meet any unfortunate eventualities.
- Check tyre pressure both at Sainj and Jibhi from either side.
- Keep talking to locals to know the road conditions so that you do not face any sudden surprise.
Best time for a road trip to Jalori Pass
- Before Monsoon – May and June
- After Monsoon – September and October
- You may go during Monsoon as then it achieves its glory, however less advisable. During rainy months, you got be careful of landslides and deteriorating road conditions. Avoid climbing pass while Rain is forecasted so keep checking with locals on weather and road condition.
Though it was a road trip in hurry, however, I achieved my goal of experiencing legendary Jalori pass. Driving continuously for 24 hours was soul elevating. Tirthan River took us by surprise and we would definitely go back there soon. We know, 48 hours are not justified, and hence we promised ourselves to go back to this part of Himachal again for relishing its true glory. Road trip to Himachal always fills our heart with much of love for nature and this trip was no different. We went to a different world this time which was all green. Today while flipping through trip's photograph, I feel, Heaven's color must be green, for this was the heaven.
I have seen people boasting about their Himlayan trips by posting online that they conquer the Himalaya or a pass after crossing it. I don't see a merit in such claims as many have done this in so many last centuries. They achieved this in far too worst conditions and made it possible for us to access Himalaya so comfortably. We should feel good that we are capable of living and experiencing Himalaya for it is the mightiest and most perilous wonder of nature. Himalaya stands there inspiring every human soul for more extreme quests. "Know thyself" was a dictum of ancient and after every trip to imposing terrain of Himalaya, I come back knowing myself better. This is the far-reaching impact that Himalaya has on me. It makes me humble and gives me reason to respect everything in the world.
I conclude by reaching out to every adventure seeking road tripper with an open shout out to skip Rohtang for Jalori & Maniali for Tirthan.
Jalori pass – Dont give it a Pass!!
If you feel motivated, please share this blog post with your loved ones so that they can break the mundane cycle of everyday life and explore the world.


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