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- home
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New craft spirits maker expanding operation
A new distillery recently opened in the region — and it is already planning to expand its operation.
18th Amendment Spirits Co. opened last month in Muskegon, at 350 W. Western Ave., as a cocktail bar serving its spirits, as well as pizza and salads. The distillery was announced in late 2015.
With a lack of production space, 18th Amendment partnered with Three Oaks-based Journeyman Distillery to produce its recipes, allowing the new business to open with products it designed, including aged products using its own recipes and barrels.
18th Amendment does have a 125-gallon still on site at its tasting room, primarily for re-distillation of spirits.
"(Journeyman) gave us a good start," said Mark Fellwock, who founded 18th Amendment along with Pigeon Hill Brewing Co. Co-Founder Michael Brower.
"It helped us get the doors open. Not a lot of places can open with their products. They were made using our specifications and our barrels."
The distillery opened with a clear rum, vodka, bourbon and rye whiskey.
Open for nearly a month, Fellwock said the reception has "exceeded what we anticipated by quite a bit."
The exceeded expectations and real estate connections with investors have allowed 18th Amendment to expedite its expansion plans.
18th Amendment received approval from the Muskegon City Commission for a small distiller license at a facility at 1150 Seventh St.
Fellwock said the site would allow the company to manufacture and barrel-age products.
It could be several months before the facility receives full approval from other governmental bodies, Fellwock said.


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Kris Osborne, Vice President
Our leader and founder of San Francisco RightClick, Kristopher Osborne. Kristopher began his professional career in the Marine Corp. While in the Marine Corp, Kris served as a sergeant to an eight man squad in Peru, Bangladesh, and Iraq. After he served for the United States he continued his education at Western Connecticut State, with BBA in Business; he completed his degree in 2012 and started with RightClick in 2013.
With Kristopher's background, he has a passion to lead teams and deliver on all of his actions. He was the perfect person to head the office in San Francisco, with his ability to be interactive, he has a specialty in working with startups in the Web, Mobile and UI/UX sectors. He has a passion for creating lasting relationships with both clients and candidates alike.
Kris is an enthusiastic individual about everything he does in and out of the office. He enjoys spending time outside doing all sorts of fun activities. His short list is comprised of long walks on the beach, triathlons, playing his flute, and the occasional hotdog eating contest. Kris recently relocated to San Francisco after following his passion for Rose and his love for an afternoon at the vineyard.

subset: commoncrawl


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Pope will convene a summit of bishops in late February.
Heeding requests from American bishops, the Vatican recently announced that Pope Francis will convene a summit of bishops from around the world to address the global sexual abuse scandal that has roiled the Catholic Church and led to a crisis of faith for many believers.
We, like many Americans — Catholic and non-Catholic alike — welcome this announcement and see it as the first of many steps that must be taken by church leaders to restore the world's faith in an institution that has done great good in the world, even as it has, in the pope's own words, committed "atrocities" against society's most vulnerable.
The "worldwide synod" of the leaders of bishops' councils, to be held Feb. 21-24, is unprecedented in that it is the first time a meeting of this kind has been called by the Vatican to address a specific issue — in this case the "prevention of abuse of minors and vulnerable adults."
It is time for the pope to end his silence on accusations that he personally disregarded reports of decades of sexual abuse of minors and adult seminarians by Theodore McCarrick, the former archbishop of Washington, D.C.
Those accusations, first made public in late August by Archbishop Carlo Maria Viganò, a former Vatican ambassador to the U.S., have tainted the pope and weakened his moral authority during a time of great crisis in the church and among believers.
Viganò is a deeply conservative cleric from a wealthy Italian family who has clashed with Francis, a Jesuit from Argentina who is viewed by many as a liberal reformer. Yet by refusing to publicly address Viganò's accusations or refute claims that he knew but failed to act on credible reports of McCarrick's abuse of minors, the pope is providing ammunition for those waging war against him.
Indeed, since Viganò made his accusations public on Aug. 25, the calls for Francis to address his accuser in an open and transparent manner have increased in number and volume.
Viganò himself recently released another statement, saying, "I declare with a clear conscience before God that my testimony is true." He went on to say that, "The pope's unwillingness to respond to my charges and his deafness to the appeals by the faithful for accountability are hardly consistent with his calls for transparency and bridge building."
Meanwhile, Francis makes only veiled, vague responses. During a recent homily, he preached "silence and prayer" when confronted "with people lacking good will, with people who only seek scandal, who seek only division, who seek only destruction, even within the family."
Silence and prayer may be good for the soul. But what the Catholic Church — and the hundreds of thousands if not millions of children who suffered at the hands of priests — needs now is truth, transparency and penance.
It's time for Francis to address his accusers and speak the truth clearly and loudly. Anything less is an insult to McCarrick's victims, and renders the church's "worldwide synod" on child sex abuse meaningless.


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1. Facebook- So I think that Facebook is one of the most used social media sites out there in our society today because so many people use Facebook to connect with family and friends that they don't and can't see as often. Also you can Share mostly anything you want on there like news, your class projects just about anything within reason and even "Drama" if you wanted to.
2. Instagram- Instagram for me seems to be maybe the second because there is so much that you can use it for. Like you can share lots of photos and places where you have been and also sharing your work for future projects and maybe clients.
3. Twitter- It's for mostly lots of people in the news scene and sharing and getting your work out there in order to get clients in making your business work.
4. Tumblr- Okay so I just became aware of this site and really enjoyed looking at all the different things to do here. You can view potential prospective works of different people's work in creating new project in the future.
5. YouTube- Is for lots of things and lots of different people. From someone doing tutorials on something they are doing and wanting to share, or for someone wanting to know more about cameras and the different lens and maybe printing machines.


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Frequent Links
Potosi, Missouri
|Potosi, Missouri
Washington County Courthouse
Washington County Courthouse
|Motto: A City for All Seasons
Location of Potosi, Missouri
Location of Potosi, Missouri
Coordinates: 37°56′16″N 90°46′55″W / 37.93778°N 90.78194°WCoordinates: 37°56′16″N 90°46′55″W / 37.93778°N 90.78194°W{{#coordinates:37|56|16|N|90|46|55|W|region:US_type:city |primary |name=}}
|United States
|• Total
|2.33 sq mi (6.03 km2)
|• Land
|2.33 sq mi (6.03 km2)
|• Water
|0 sq mi (0 km2)
|880 ft (268 m)
|Population (2010)[2]
|• Total
|• Estimate (2012[3])
|• Density
|1,141.6/sq mi (440.8/km2)
|Time zone
|Central (CST) (UTC-6)
|• Summer (DST)
|ZIP code
|Area code(s)
|FIPS code
|GNIS feature ID
Potosi is a city in Washington County, Missouri, United States. Potosi is about 10 miles north of Belgrade. The population was 2,660 at the 2010 census. It is the county seat of Washington County.[6] The city was founded sometime between 1760 and 1780 as "Mine à Breton" or Mine au Breton, and later renamed by Moses Austin for the Bolivian silver-mining city of Potosí.[7]
Potosi is located at 37°56′16″N 90°46′55″W / 37.93778°N 90.78194°W{{#coordinates:37|56|16|N|90|46|55|W|type:city | |name= }} (37.937881, -90.781932).[8] According to the United States Census Bureau, the city has a total area of Script error: No such module "convert"., all of it land.[1]
A lead mining settlement at this spot, "Mine à Breton" or Mine au Breton, was founded between 1760 and 1780 by Francis Azor, of Brittany, France. Moses Austin came here in 1798 with his family, including his son Stephen F. Austin. Moses obtained a grant of 7,153 arpents of land from the Spanish Empire and started large-scale mining operations, building his town to support it. Moses named the town after Potosí in Bolivia, which was famous for its vast silver mines. Austin's tomb and the foundation of his home Durham Hall can still be seen. Another mining entrepreneur in Potosi at the time of Moses Austin was James Bryan. Firmin Rene Desloge, who emigrated from Nantes, France in 1822 as the founder of the Desloge Family in America, located in Potosi and established a mercantile, distillery, fur trading and lead smelting business. The Desloge lead mining business Desloge Lead Company and later Desloge Consolidated Lead Company was later relocated to Desloge, MO by his son Firmin V. Desloge.[9][10]
Potosi was designated county seat in 1814.[11]
The Potosi Correctional Center, which opened in 1989, housed Missouri's death row and the state's executions were handled at the prison until 2005. The Potosi Center conducted all but one of the 62 Missouri executions between 1989 when capital punishment was reinstated and 2005 when executions were moved 25 miles east to the Eastern Reception, Diagnostic and Correctional Center in Bonne Terre, Missouri.[12]
Woodcut artist Tom Huck grew up in Potosi, where he has taken inspiration from many of the region's local legends and folk tales. In 1998, Huck released "2 Weeks in August: 14 Rural Absurdities", a suite of 14 woodcut prints based on bizarre tales from the town's history.
2010 census
As of the census[2] of 2010, there were 2,660 people, 1,114 households, and 657 families residing in the city. The population density was Script error: No such module "convert".. There were 1,230 housing units at an average density of Script error: No such module "convert".. The racial makeup of the city was 95.2% White, 2.2% African American, 0.4% Native American, 0.4% Asian, 0.3% from other races, and 1.6% from two or more races. Hispanic or Latino of any race were 1.6% of the population.
There were 1,114 households of which 32.2% had children under the age of 18 living with them, 37.0% were married couples living together, 17.8% had a female householder with no husband present, 4.2% had a male householder with no wife present, and 41.0% were non-families. 36.4% of all households were made up of individuals and 14.9% had someone living alone who was 65 years of age or older. The average household size was 2.23 and the average family size was 2.86.
The median age in the city was 39.1 years. 24.2% of residents were under the age of 18; 8.8% were between the ages of 18 and 24; 23.9% were from 25 to 44; 24.3% were from 45 to 64; and 18.7% were 65 years of age or older. The gender makeup of the city was 44.1% male and 55.9% female.
2000 census
As of the census[4] of 2000, there were 2,662 people, 1,103 households, and 677 families residing in the city. The population density was 1,218.9 people per square mile (471.5/km²). There were 1,211 housing units at an average density of 554.5 per square mile (214.5/km²). The racial makeup of the city was 95.60% White, 2.14% African American, 0.45% Native American, 0.15% Asian, 0.23% from other races, and 1.43% from two or more races. Hispanic or Latino of any race were 0.83% of the population.
There were 1,103 households out of which 33.3% had children under the age of 18 living with them, 40.1% were married couples living together, 17.7% had a female householder with no husband present, and 38.6% were non-families. 35.7% of all households were made up of individuals and 17.8% had someone living alone who was 65 years of age or older. The average household size was 2.30 and the average family size was 2.97.
In the city the population was spread out with 26.7% under the age of 18, 9.2% from 18 to 24, 25.9% from 25 to 44, 20.2% from 45 to 64, and 18.0% who were 65 years of age or older. The median age was 36 years. For every 100 females there were 81.5 males. For every 100 females age 18 and over, there were 75.9 males.
The median income for a household in the city was $17,702, and the median income for a family was $23,958. Males had a median income of $31,548 versus $16,976 for females. The per capita income for the city was $12,417. About 28.1% of families and 31.4% of the population were below the poverty line, including 42.7% of those under age 18 and 13.9% of those age 65 or over.
Government and infrastructure
The United States Postal Service operates the Potosi Post Office.[13]
The Potosi Correctional Center of the Missouri Department of Corrections is located in an unincorporated area in Washington County, near Potosi.[14] The prison houses male death row inmates.[15]
Notable people
- Donne Wall, baseball player
- Tom Huck, artist/printmaker
- ↑ 1.0 1.1 "US Gazetteer files 2010". United States Census Bureau. Retrieved 2012-07-08.
- ↑ 2.0 2.1 "American FactFinder". United States Census Bureau. Retrieved 2012-07-08.
- ↑ "Population Estimates". United States Census Bureau. Retrieved 2013-05-30.
- ↑ 4.0 4.1 "American FactFinder". United States Census Bureau. Retrieved 2008-01-31.
- ↑ "US Board on Geographic Names". United States Geological Survey. 2007-10-25. Retrieved 2008-01-31.
- ↑ "Find a County". National Association of Counties. Retrieved 2011-06-07.
- ↑ http://www.carrollscorner.net/Potosi,Missouri.htm
- ↑ "US Gazetteer files: 2010, 2000, and 1990". United States Census Bureau. 2011-02-12. Retrieved 2011-04-23.
- ↑ Christopher D Desloge, second great-grandson of Firmin Rene Desloge
- ↑ The Desloge Chronicles, 2011, by Christopher D Desloge
- ↑ Eaton, David Wolfe (1918). How Missouri Counties, Towns and Streams Were Named. The State Historical Society of Missouri. p. 370.
- ↑ Missouri moves execution site to Bonne Terre – Associated Press – March 29, 2005 (via Prisontalk.com)
- ↑ "Post Office Location - POTOSI." United States Postal Service. Retrieved on September 18, 2010.
- ↑ "Institutional Facilities." Missouri Department of Corrections. Retrieved on September 18, 2010. "Potosi Correctional Center (C-5)" "11593 State Highway O Mineral Point, MO 63660"
- ↑ Lombardi, George, Richard D. Sluder, and Donald Wallace. "The Management of Death-Sentenced Inmates: Issues, Realities, and Innovative Strategies." Missouri Department of Corrections. 8-9. Retrieved on September 18, 2010.
External links
- History of Potosi
- Historic maps of Potosi in the Sanborn Maps of Missouri Collection at the University of Missouri


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Penalties Vulusva is also being discussed in the past few days due to the reduction of minimum balance by the banks. In the last few days, it was known that the country's largest public sector bank State Bank of India has received 1,771 crore penalties from customers after going below balance from mineral balance within 8 months.
Click here to read full in Gujarati
If you do not have a minimum balance of 3000 rupees by State Bank of India, and if it is reduced, Rs 50-30 + GST is charged. After the 25 free check you will be charged 75 rupees + GST on the check book for additional check. If you have a debit card, it is not free, but the annual fee of Rs 125 is charged. Apart from this, charges like cash transaction, SMS alerts, NEFT, RTGS are also levied in this manner.
Click here to read full in Gujarati
If you do not have a minimum balance of 3000 rupees by State Bank of India, and if it is reduced, Rs 50-30 + GST is charged. After the 25 free check you will be charged 75 rupees + GST on the check book for additional check. If you have a debit card, it is not free, but the annual fee of Rs 125 is charged. Apart from this, charges like cash transaction, SMS alerts, NEFT, RTGS are also levied in this manner.
Personal Loan Protection Insurance Plans - Overview
Nowadays, obtaining a personal loan has become easier for self-employed individuals, salaried employees, and retired pensioners. However, in the case of sudden job loss, temporary disability, or accidental death of the borrower, repaying the personal loan in monthly installments can become difficult. This is where, personal loan protection plans come in handy. Whether it is a home loan or a personal loan, it is advisable to buy a loan insurance plan in order to protect a borrower's monthly loan payments in the case of unfortunate occurrences. Banks in India offer loan insurance to help borrowers repay their home loans, car loans, and personal loans on time regardless of the individual's ability to pay.
Benefits of Personal Loan Insurance
Some banks extend personal loans with a loan insurance cover, but it is up to the borrower to buy the policy cover or reject it. There are several advantages to buying a loan protection insurance plan such as:
- In the case of unfortunate events such as job loss, accidental death or temporary disability, loan insurance plans reduce a borrower's outstanding loan, and protect his or her monthly loan payments.
- With a loan protection insurance plan, the borrower's family will not be burdened with a sudden financial obligation to repay the loan.
- Some loan protection insurance plans can provide tax benefits under Section 80C.
- Some personal loan insurance policies have money-back plans where the buyer receives a certain amount at the end of the plan.
Premium amount for Personal Loan Insurance Plans
Like any other insurance, a premium amount has to be paid for loan insurance. The premium amount varies from bank to bank. The premium amount may be higher or lower depending on the individual's age, physical health, loan amount, and loan tenure.
Factors to consider while choosing a Loan Insurance Plan
There are several important factors to consider while choosing a personal loan insurance plan such as:
- A loan insurance should cover all causes of death, not just the accidental cause.
- A loan insurance should cover both temporary and permanent disability.
- Some loan insurance plans will not cover higher loan amounts.
- Some insurance plans may not require a premium amount.
- The premium amount can be paid in monthly installments, or in a single payment.
- Some insurance plans may require mandatory medical check-ups.
- The loan insurance policy may lapse or expire on full repayment of the loan, or if the loan is transferred to another bank.
- Joint loan insurance covers are provided by some banks for both the parties.
Types of Personal Loan Insurance Policies
As the loan tenure is lower for personal loans, the premium amount for a personal loan insurance plan is also low. With a group insurance policy, the premium amount is reduced further. There are 4 different premium covers available to suit a buyer's needs:
- Single and regular premium reducing cover (the premium amount decreases as the outstanding loan amount decreases during the loan tenure).
- Single and regular premium level cover (the premium amount remains the same even if the outstanding loan amount decreases).
Banks offering personal accident cover for Personal Loans
Some banks offer a free personal accident cover with its personal loans like:
- HDFC Bank offers personal loans with free personal accident cover of up to Rs.8 lakhs, and a critical illness cover of Rs.1 lakh.
- IDBI Bank also offers a free personal accident cover with its personal loans.
- ICICI Bank offers the All Safe Insurance Plan to insure a borrower's personal loan liability.
A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.


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Sunday, December 4, 2011
Opening December 9: "The Very Different Christmas Dinner"
GroundWorks Theatre is proud to present our latest holiday original production, Robert A. O'Connell's "The Very Different Christmas Dinner." The production will be directed by the playwright, and the cast features Jonathan Stephens, Myra Stephens, Charles Howard, Trish Crist, Brian T. Hill, Kellye Mitchell, Eric Ventress, and Heather Webber.
While preparing to host their annual Christmas dinner party, Rob and Laura Dish pray that their guests could be more interesting than the usual suspects, and are indeed surprised when their regular invitees are replaced by Abe Lincoln, Amelia Earhart, Oscar Wilde, Marilyn Monroe, Janis Joplin, and Jesus.
GroundWorks Theatre presents "The Very Different Christmas Dinner" from December 9-18 at the Darkhorse Theater, 4610 Charlotte Avenue. Performances Thursday through Saturday nights at 7:30pm, with Sunday matinees at 2:30pm. $15 adults, $12 students & seniors; cash and check accepted at the door. For reservations or further information, call 262-5485.
Posted by GroundWorks Theatre at 12/04/2011 10:29:00 PM
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Believe it or not, Hawaii does, indeed, have an interstate highway. Now, you ask, how can an island have an interstate highway? Well, U.S. law states that federal highway funds can be used as long as the proposed highway connects military bases. Oahu's Honolulu Highway, known to locals as "H1," connects Pearl Harbor with Diamond Head, which used to be home to Fort Ruger. The first portions of the H1 opened in 1953, and over a half century later, H1 still enables locals and visitors alike to explore the beautiful island of Oahu. There are also interstates H2 and H3, which completed in 1997, has arguably some of the most beautiful views of any US highway.
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From the beaches of California and Hawaii, Malibu Shirts proudly brings to you our unique collection of authentic vintage style apparel. Rooted in the history of surf and beach culture, our shirts are focused on the people, places, businesses and events, that have shaped an entire lifestyle. We invite you to shop around, reminisce, and find your new favorite shirt!
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text: May 5, 2016 Posted by Nguyen Thi Nhu Trang Studies and Publications Alternatives, transformation 2530 RLS' Situation Analysis of Vietnamese Electricity sector – 2016 The study gives an overview of the framework conditions for a transition towards a socially inclusive renewable energy based electricity sector in Viet Nam. Full text can be found here: Part 1; Part2; Part 3;Part 4; Part 5;Part 6; Part 7; Part 8 . Prev International Partner Conference "Socio-Ecological-Transformation – Perspectives from Latin America, Europe and Southeast Asia" Next Working with us: RLS SEA's looking for Project Manager


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Culinary Getaways
Bacchus & Venus Wine Club Member Sherry Page has led our Club Members in a delicious and fun wine and cheese pairing. For an unforgettable day, week or weekend vacation of food and wine appreciation, embark on a Culinary Getaway with Sherry Page in Napa Valley, San Francisco and France. Click here for more details.
Nat Decants Free Wine E-Newsletter
Wine picks, articles and humor from Natalie MacLean, named the World's Best Drink Writer at the World Food Media Awards in Australia. Natalie is also the author of Red, White and Drunk All Over: A Wine Soaked Journey from Grape to Glass. For more details on this book and to sign up for the newsletter, click here.
|Visit us at: 769 Bridgeway, Sausalito, CA 94965 [Map it]
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Need To Know
Sun Mountain's waterproof, mid-profile ball cap is laminated and seam-sealed to keep your head dry and lined for comfort. Two-year waterproof guarantee.
+Adjustable, mid-profile cap +Laminated and seam-sealed waterproof fabric +Lined
RAIN PROTECTIONWhen it's wet, stay dry in our waterproof breathable rainwear.
WIND PROTECTIONFocus on your swing instead of the blustery conditions in our windproof outerwear.
ADJUSTABLEOuterwear that can be customized to fit your body.


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New York Court of Appeals to Address Issue of Apportionment Clause in Fire Policy Limiting Insured's Recovery to a Percentage of Loss
Breaking News: Court of Appeals to Revisit K2 Decision
On September 3, 2013, the New York State Court of Appeals (our state's highest court) granted re-argument of its significant June 11, 2013 decision in K2 Investment Group, LLC, et. al. v American Guarantee & Liability Insurance Company. As you may recall, in K2, the Court had ruled that an insurer may not rely upon policy exclusions to defeat its duty to indemnify an insured where it is ultimately determined that the insurer had breached its duty to defend. This new development means that the Court, in an unusual move, will reconsider its decision. If you would like to contact us to discuss this new development, please e-mail or call John Casey at email@example.com or 518-429-4277.
The United States Court of Appeals for the Second Circuit recently considered a case where an insurer's residential fire policy contained an "apportionment-of-loss clause" purporting to reduce the insurer's total liability to thirty-eight percent of any covered loss. Quaker Hills, LLC v. Pacific Indemnity Company, U.S. Court of Appeals, 2nd Circuit, August 29, 2013.
Pacific Indemnity Company had issued a fire insurance policy to Plaintiff, Quaker Hills, LLC, covering a custom-built home that was destroyed by fire during the policy period. Pacific initially insured the property in 2005. Thereafter, there were changes in the coverage limits and in the premium charged. Allegedly, at the request of the insured, Pacific added a thirty-eight percent apportionment-of-loss clause to the policy, providing that, in the event of loss, the amount of loss would be apportioned between the insured and the Company, with the Company paying thirty-eight percent of the loss, which meant that the maximum liability of the Company for a covered loss was $5,054,720 (or thirty-eight percent of the stated coverage amount). As a result of the apportionment clause, Quaker Hills' premium was reduced from $50,273 to $20,777.
At the time of loss, the amount of coverage had been increased to $14,388,000. Pacific refused to pay more than thirty-eight percent of the coverage limit based upon the apportionment-of-loss clause in the policy. The insured denied having requested less than full coverage under the policy.
Following the destruction of the residence by fire, Quaker Hills commenced a declaratory judgment action against Pacific in Federal District Court seeking damages totaling 26.5 million dollars, including replacement cost coverage. Quaker Hills asserted that the apportionment-of-loss clause was unenforceable in New York because it did not conform to the minimum requirements imposed by New York State Insurance Law, §3404, the Standard Fire Insurance Policy. Pacific argued that the apportionment-of-loss clause was enforceable, just as co-insurance clauses are permitted in fire policies issued in New York.
Defendant and plaintiff moved for summary judgment. The District Court ruled that regardless of whether the insured consented to the apportionment-of-loss clause, the clause is void under New York law citing Insurance Law, §3404. The District Court noted that the statutory minimum provisions contained in Section 3404(3), require the insurer to insure the insured to the lesser amount of the actual cash value of the property at the time of the loss, or the amount which it would cost to repair or replace the property with material of like kind and quality within a reasonable time after such loss, but not exceeding the specified policy limit.
The District Court also found that New York cases addressing the application of co insurance clauses to fire losses are only enforceable where the insureds sustain a partial, rather than a total, loss as occurred here. The Court noted that "unlike a co-insurance clause, which is designed to encourage homeowners to value properly their property, the apportionment-of-loss clause here has no real purpose other than to make a $5,467,440 policy appear to be a $14,388,000 policy. Thus, the apportionment-of-loss clause is not analogous to a valued co-insurance clause."
On appeal, the Second Circuit reviewed New York Law with respect to the enforceability of co-insurance clauses, and the Standard Fire Insurance Policy. The Court concluded that co-insurance clauses are permissible in New York, and encourage insureds to insure their property to at least 80 percent of its value, thus permitting the insurer to receive an appropriate premium for the risk undertaken.
The Second Circuit noted that it could find no New York Court of Appeals opinion addressing the specific issue involved in the Quaker Hills case.
As a result, the Second Circuit certified the question to the New York Court of Appeals as follows:
(1) In an insurance policy that provides a stated dollar amount of loss coverage in the event of a fire, does a policy clause that, in exchange for a reduction in the premium charged, limits the insurer's liability to a percentage of any loss violate New York Insurance Law?
(a) If such a clause violates New York Insurance Law, is the clause void, or is it voidable or subject to principles of waiver or estoppel?
(2) If such a clause is in general permissible under New York Insurance Law, is it enforceable where there has been a total loss of the subject property?
(3) If such a clause is in general permissible under New York Insurance Law, is there a limit on the percentage of liability that can be apportioned to the insured?
This appeal involves a significant issue of property coverage in fire losses and the application of co-insurance provisions to the amount of recovery.
We will monitor the Court of Appeals and report further once it has ruled on these questions.
If you require further information regarding the information presented in this Legal Alert and its impact on your organization, please contact Anthony J. Piazza, Chair of the firm's Insurance Coverage & Regulation Practice Area, at (585) 295-4420 or email@example.com.


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Painting with a Twist
334 Henslee Drive
Dickson, Tennessee 37055
(615) 375-1630
Studio/Office Hours are Tuesday - Saturday 1-5PM
Class hours vary daily - see calendar on website
Class hours vary daily - see calendar on website
Painting with a Twist is the #1 & fastest growing, paint & sip franchise in the country. An art instructor leads you through each step of painting your selected canvas. FUN Art, not FINE Art!
Located at 334 Henslee Drive on the Hwy 70 By-pass in Dickson TN in Spring Street Center, next door to Pop's Car Wash. We are across the street from the YMCA & CrossPoint Church.


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How and why I bought a house for $5,315.00
19 Apr
This is the first of what will be many post along the journey of my first "income property." Purchased on October 17th at a last minute county auction for
$5,000. This is the story of ambition and hard work. Lots of hard work. In progress.
I bought my first house with my then girlfriend (now wife) in 2008. No one had lived in it for almost a decade and it needed to be almost completely gutted and remodeled. I caught the "bug," the "I love to buy crappy houses and fix them up" virus. […]


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Artifacts using sqs version 2.5.63
The AWS Java SDK for Amazon SNS module holds the client classes that are used for communicating with Amazon Simple Notification Service
Last Release on Dec 13, 2019
The Amazon Web Services SDK for Java provides Java APIs for building software on AWS' cost-effective, scalable, and reliable infrastructure products. The AWS Java SDK allows developers to code against APIs for all of Amazon's infrastructure web services (Amazon S3, Amazon EC2, Amazon SQS, Amazon Relational Database Service, Amazon AutoScaling, etc).
Last Release on Dec 13, 2019
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Come and discover the neighbourhood of Hartamas Regency 2, Dutamas and learn about the life, malls, and people in the area. Find out more about the schools and properties that are available here.
Explore the properties offered within Dutamas. You may find something suitable, be it for your own stay or as an investment.
Discover life at Hartamas Regency 2, read reviews of the place, see photos of the property and gather information from comments of the locals to make a better buying decision.
Browse through our superb properties For Sale in Dutamas
Get a Dutamas specialist to answer your enquiries and help you find your perfect home!
Located just next to its predecessor Hartamas Regency 1, Hartamas Regency 2 is another one of the the original upmarket condominiums in the area. Although there were complaints of bad workmanship on the condominium in the early years, these homes are still highly sought after for its location by families who like the quiet settings and the expat tenants.
1 people have reviewed this place. (View All)


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Money Services – powered by Western Union – provides a range of options to transfer money to friends and family living in Missouri.
Send money to Missouri with Money Services, powered by Western Union. Whether you're sending a cash gift to friends or family to celebrate the holidays, or to treat a loved one on Mother's Day, our experienced team of store associates can help you send cash to loved ones easily and quickly.
Your receiver can visit their most convenient Money Services in Missouri to pick up the cash, or any participating Western Union agent location. We might also have a Money Services near you – use our store locator to get started.
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Where your receiver will find us in Missouri
Money Services assists customers in a range of stores across the US. In Missouri:
- Your receiver will find us at a Gerbes or Kroger store
- We're located in various stores across the state
Why use Money Services to send money?
Money Services makes it easy for you to send money to your friends and family.
Money around the world in minutes†
Across town or around the world, they'll get cash in just a few minutes from one of the 500,000 Western Union locations worldwide – or you can save on fees if there's no rush.
Choose how and when your money arrives
You can choose from various options on how and when your cash arrives – In Minutes, Next Day† or Direct to a qualifying bank account.
My WU® members can earn points by sending qualifying money transfers
My WU® members earn points for sending qualifying money transfers, and can enjoy fast, easy and convenient transfers.
What you need to bring to send money
Your cash or debit card
Your receiver's name as it appears on their government-issued ID
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Your own government-issued ID
What you need to bring to receive money
Your tracking number (MTCN)
A government-issued ID
Fees* vary based on a number of factors, but one of the most popular fees is $5 to send up to $50 for pick-up within the US.
† Date available will be displayed on receipt for international transfers over $15. Service and funds availability depends on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones (collectively, "Restrictions").
*Fees and taxes may vary by brand, channel, and location based on a number of factors. Fees subject to change without notice.


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my experiment
My group of 1st and 2nd graders created these collages using watercolor, oil and chalk pastels, construction paper and brown grocery bags. The first step was to create simple and bold leaf shapes on posterboard using a white oil pastel. A layer of watercolor on top would magically reveal their designs. This would be the first layer in creating our rain forest habitat for our South American jaguars. Next on a rectangle from a grocery bag the children drew their wild cats in a direct line drawing lesson. (I think the texture and neutral color make it a great base for a number of projects.) They then used chalk pastel to add color and black oil pastel to create spots.
Coming back to our backgrounds the children could add another layer of oil pastel leaves and plants. They then glued their cut jaguars to these bases. The last step was to add an extra layer of cut leaves of construction paper that they added texture and color to with oil pastels. I encouraged them to have the leaves go off the page to give the effect of the jaguars in the rain forest. This concept was still a little confusing to some of my young students. But I think they did a wonderful job with their layered pieces.


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MARCIA POWELL -- Blog article (#17) – April 12, 2015 –
"The Winter of Less Cold and Less Ugly"
A year ago I titled my blog "The Winter of Cold and Ugly." Fortunately this winter was less severe, and, thanks to last summer's efforts to beautify the property, a little less ugly.
Never has the arrival of spring meant so much to me. For the first time (this lifetime), I planted some bulbs in the fall, and now they are just starting to flower! So exciting!
In my last blog of November 17, I had spent the summer pulling and mulching the dreaded "superweeds." Throughout the winter, as I received more truckloads of wood chips, I would "suit up" and spread the mulch over the ½ acre around the house—my personal "playground." Got inspired one day while mulching and wrote a 3-page humorous essay on the art and science of mulching relating to my B.A. and M.S. degrees. Let me know if you'd like to read it. I'm told it is funny...
One very cold day, a new horse-owning friend brought me a trailer load of horse manure. Had to wait a few weeks until the compost in my two big compost bins unfroze enough to add the manure. Manure is like gold to a farmer!
How's my WPP (Woody Perennial Polyculture)? Looks like most of the plants survived the winter. There are some berry rootstocks that are iffy—I'm waiting to see if some root suckers show up. Last Tuesday, I paid a professional to graft scions (a detached shoot or twig containing buds from a woody plant, used in grafting) onto the fruit trees so that they will bear edible fruit. He then instructed me to pull the mulch away from the rootstocks to prevent fire blight. Yikes! (The pic is of a grafted apple rootstock, with budding berry plants in the background.)
I donated $15 to the Arbor Foundation and received 10 blue spruce seedlings. Sister Jane and grand-niece Katie helped me plant them down at the pond where they will be sheltered for a year or so; then I will transplant them to my property.
The friendship with Dave Christian did not evolve into a relationship, but we parted good friends. I posted a local ad and currently have a very nice married man renting the master bedroom for 4 nights a week to lessen his commute. I AM now looking for a more permanent companion—either gender—who would enjoy sharing a lifestyle such as mine. If you know anyone, please have them contact me.
Mid March I drove to Clearwater to receive a few days of counseling. Managed to arrive just in time to catch the end of the choir rehearsal. Good to connect with them again. Was able to attend an inspiring graduation event—heard Kelly Preston speak, no less! I'm now set up for the rundowns re survival, which I plan to do next January.
A friend had told me about the book "The Fight for Immortality" by Peter Arthur. I was able to read most of it while in Clearwater, and found it VERY good, especially the way he works truth into it. One of my on-going policies is to support our artists; so I highly recommend you buy it, read it, and then encourage others to as well. Similary with Neal Fox's new DVD and CD entitled "Conspiracy"--truth delivered on the aesthetic wavelength via his songs and art.
Politically, I was one of nine Libertarians in the state who ran for an office in the local elections held on April 7th. Living out in the country, my only option was to run for the Ogden grade school board. My campaigning was pretty low-key--made up my own flyers and delivered them to the houses in Ogden (850) and Royal (350). Introduced myself at the Ogden Village board meeting, and spoke to a dozen people at the seniors' luncheon. Didn't win (only got 9.44% of the votes), but it was a good learning experience and earned me some name recognition in the community. Will probably give it another shot two years from now.
Note that I consider the presidential elections to be pretty much a "dog and pony show," with the outcome being determined ahead of time by the global elite. Thus I encourage people to concentrate on political matters in their state, county, and city. Strengthening the Libertarian party these days gives those disenchanted with the D's and R's an alternative. The party IS growing, which growth also can influence the platforms of the main parties. Blah-blah... soapbox... blah-blah... :-)
A few months ago I sent some messages to retirement homes about performing, but got no responses—until the end of Feb, when the Windsor of Savoy contacted me about doing an hour's show. I had finally connected with a very good singer only 3 miles away from me, and we worked up some songs. However, at the last moment her back went out. It's an older audience, so I gathered up a bunch of popular songs from earlier eras and played "Name that Tune"--including some back and forth communication between them and me. Fun all around, and the feedback was such that they plan to book me again. Yea!
And, of course, people continue to match up through the Affinity Exchange. See success stories (e.g. Holly and Mike below) on home page: www.affinity-exchange.com. Please refer your friends!
Hope you all are flourishing and prospering (thriving)!
Please write and give me an update on your adventures.
Love to all, Marcia (217) 582-2112 home (818) 552-2211 cell


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Manage your PCs in the Enterprise through the Cloud with Microsoft Windows Intune
In Detail
Microsoft Windows Intune is a cloud service solution that simplifies how small and mid-sized businesses manage and secure PCs using Microsoft cloud services and Windows 7—so your computers and users can operate at peak performance all the time.
This step-by-step guide will show you how to plan, set up and maintain Windows Intune, showing you how to manage a group of PCs (either 1 business or several if a partner) from the base operating system, through to the patches, anti-malware solution and deployed software and policies from a central console, using the Windows Intune service.
This book takes you through all the steps to plan, set up and maintain Windows Intune and how to manage a group of PCs. The book starts by providing an overview of Cloud Computing and PC Management. The book then dives into topics such as Windows Intune features, signing up for Windows Intune and installing the client software, configuring Windows Intune, proactive management, and monitoring and dealing with alerts, including remote assistance amongst others. As Windows 7 is part of Windows Intune, the book will also cover the minimum steps required to move from Windows XP to Windows 7 while keeping user settings and preferences.


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Shot in 180°
Head Tracking
Binaural Sound
Shot In
Featuring Alyce Anderson, Brooke Haze
highGear VR 1600p60fps15.3gbDownload
medGear VR 1600p60fps7.2gbDownload
medGear VR 1080p60fps4.1gbDownload
highOculus VR 1600p60fps15.3gbDownload
medOculus VR 1600p60fps7.2gbDownload
medOculus VR 1080p60fps7.7gbDownload
Brooke Haze and Alyce Anderson might look innocent but they're both ready to do what it takes to get into the big sorority on campus. They've already done so much during pledging adventure and today Brooke and Alyce compete in the ultimate taste test. You can't resist these collegiate cuties and you sample some sweets to see who deserves to pass initiation. Satisfy your sweet tooth in this virtual reality threesome extravaganza! Read more


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General Information About Tulane University of Louisiana
Tulane's purpose is to create, communicate and conserve knowledge in order to enrich the capacity of individuals, organizations and communities to think, to learn and to act and lead with integrity and wisdom. Tulane pursues this mission by cultivating an environment that focuses on learning and the generation of new knowledge; by expecting and rewarding teaching and research of extraordinarily high quality and impact; and by fostering community-building initiatives as well as scientific, cultural and social understanding that integrate with and strengthen learning and research. This mission is pursued in the context of the unique qualities of our location in New Orleans and our continual aspiration to be a truly distinctive international university.
Institutional statistical data was gathered from the U.S. Department of Education - Institute of Education Sciences, National Center for Education Statistics, 2009-2010.
Institution Type
- 4-year, Private not-for-profit
Special Learning Opportunities
- ROTC (Army, Navy, Air Force)
- Teacher certification
- Distance learning opportunities
- Study abroad
Student Services
- Academic/career counseling service
- Employment services for students
- Placement services for completers
- On-campus day care for students' children
Credit Accepted
- Advanced placement (AP) credits
- The acceptance of credits for work experience or military experience are subject to review by the school and cannot be guaranteed.
Religious Affiliation
- Not applicable
Federal Aid
- Eligible students may receive Pell Grants and other federal aid (e.g. Direct Loans).
Degrees/Certificates offered
- Associate's degree
- Bachelor's degree
- Postbaccalaureate certificate
- Master's degree
Campus Setting
- City: Midsize
Disability Services Student
- 3% or Less
Admission Total Applicants 39,920 Percent Admitted 26% Men Admitted 26% Women Admitted 27% Full Time Retention Rate 91%
Submitted ACT & SAT Scores
25th Percentile Score 75th Percentile Score Critical Reading 630 720 Math 630 700 Writing 630 720
25th Percentile Score 75th Percentile Score Composite 28 31 English 28 32 Math 26 31
Student Demographics Total Enrolled 12,677 Native American 201.0 Asian 609.0 African American 1,187.0 Hispanic 530.0 Enrolled FullTime Undergraduates 5,992 Enrolled FullTime Graduates 3,704


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Weren't the Olympics amazing? and the Paralympics were an eye opener. What challenges these people had to get over to attend the Games and what achievements they had.
I suspect they may have spurred you on to look a bit closer at your own waistline and fitness levels
So what can YOU do about getting slimmer and fitter?
1. Walking or cycling is easy enough. It is pleasant to get out in the fresh air and good for your muscle tone and health. If you exercise for half an hour 4 times every week in six months you will have made a huge difference to your body shape and mind clarity.
2. Drink water often. It is free, and if you put a slice of lemon, lime or orange in it you will enjoy the taste and help your digestion.
3. Cut back, or eliminate all fizzy drinks. The sugar in them is seriously and frighteningly fattening.
4. Eat only what you need. Many people eat way too much 'rubbish' food. Say, "No thank you, I don't need that," more often. It is surprisingly easy to say No, and surprisingly liberating.
5. Say "Yes," more often. Say "Yes" to fruit, veges and salads. Say "Yes" to having a buddy to do all this with. Know that yes is an easy word to say when you think of your health and fitness. Say "Yes, I can do this!".
6. Be more aware of your conversations. No-one else wants to hear your excuses. If you want to be slimmer and fitter then do it. Show others you are capable of it. Actions do speak louder than words, and best of all, you benefit. Yes!
Put these 6 easy steps into place and you will not only slim down and feel more energized but you will also save money.
Now, if you have a problem with motivation there may well be a blockage or two preventing your progress. It is quite likely that these have unconsciously stopped, or sidetracked, you in the past. Maybe a helpful coach with good ideas and techniques to clear these would spur you on?
My fully supportive 3 month 'Bolt to success' weight loss program recognizes that people want real help to succeed. It includes: 5 hours of very personal appointments; my 5 successful hypnotic healthy mindset audios; clear energizing meridian 'tapping' videos; helpful tips and techniques, all wrapped up into a constructive, caring package with unlimited support. There's even a free phone consultation so that when you start we have covered the basics and can move on immediately the first session begins.
This is a motivational mindset change and it works. Like Miranda you could be 2 months on and 2 stone gone.


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Pioneering Investigation into Ophthalmology
This is a presentation that Dr. Chynn has been invited to give all over the world including ESCRS which is the #1 refractive organization in Europe and ASCRS which is the #1 refractive organization in America
The reason is because he has performed more advanced surface ablations than any other doctor in the world.
When you review this PowerPoint presentation, you should take away two points:
- If you have an extreme prescription and you were told by a doctor that you couldn't have LASIK, don't give up. It doesn't mean you can't have LASEK!
- Our non-cutting technique is SAFER for everybody, because it's non-incisional and it will leave everybody with a thicker, stronger cornea in the end, which is safer.
Dr. Chynn graduated from Harvard's ophthalmology program, which is probably the most famous in the world.
As the only member of his graduating class to specialize in Refractive Surgery, and now an recognized authority, Dr. Chynn is frequently invited back to Harvard to give updates on the State of the Art in Refractive Surgery.
This slide show presentation was given to 100 eye surgeons who flew in from across the country to learn the latest advances in glaucoma, retina, cataract surgery–and laser vision correction (from Dr. Chynn).
The title of his talk reflects the movement in the US and worldwide from leading surgeons that is called "Back to the Surface." This means that surgeons are moving away from LASIK and IntraLase, to avoid flap complications and the # 1 problem causing lawsuits (iatrogenic keratoconus, or KC), and back to the surface.
For some doctors, this means going back to the original procedure, PRK, which has a lot of pain, delayed healing, and scarring.
For Dr. Chynn, this means performing an Advanced Surface Ablation, which is either a LASEK or epiLASEK. These are more advanced than PRK because they do not hurt, healing and recovery is quick, and there is no haze or scarring. For example, Dr. Chynn performs over 1,000 LASEKs and epiLASEKs per year–he performed his last PRK in 1999.
Obviously, he moved away from PRK to LASIK, then to IntraLase, and now back to the safer LASEK and epiLASEK procedures.
View the following slide show to find out more, and call us with your questions–better yet, come in and meet with our MDs!
Have any questions?


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artisan baker of authentic French pastries and bread
Dominique Colombie learned the art of making pastry from his father, whose Patisserie Colombie was an institution in the village of Montesquieu-Volvestre in south-west France.
Paneton offers a range of fresh, frozen and par-baked breads and pastry products directly to our customers through Paneton Bakery, Halsey Street, Auckland and to retailers from Rarotonga to Christchurch.
What's new?Read more
The home of Paneton Bakery at 21 Halsey Street, Auckland City or find where to buy Paneton products near you.


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Houston Facial Plastic Surgeon Given The Stephen C. Duffy Award for Leadership, Health Policy and Advocacy
The American Academy of Facial Plastic and Reconstructive Surgery (AAFPRS) awarded Russell W.H. Kridel, MD, FACS, of Facial Plastic Surgery Associates in Houston, TX, with the prestigious Stephen C. Duffy Award for Leadership, Health Policy and Advocacy.
The honor is awarded to the AAFPRS member who embodies the same tireless enthusiasm and commitment to health policy and member advocacy as Stephen C. Duffy, former Executive Vice President of the AAFPRS. In his years at the AAFPRS and American Medical Association (AMA), Duffy exemplified a vigorous commitment to the political process and greatly influenced the profession's and the public's knowledge of the quality care that facial plastic surgeons deliver. He clearly understood that patients look to physicians to help them wade through and solve problems in the healthcare system. A strong patient and physician advocate like Duffy is critical in delivering top-notch care.
As a world-renowned and politically connected facial plastic surgeon for more than 25 years, Dr. Kridel is a worthy first recipient of this award. His experience and knowledge led him to be one of the most sought-after facial plastic surgeons in the country. He is certified by the American Board of Facial Plastic and Reconstructive Surgery and the American Academy of Otolaryngology, Head & Neck Surgery. He has also published more than 100 scientific journal articles and book chapters on facial plastic surgery techniques. Dr. Kridel served as National President of the AAFPRS; he was president of his county medical society and the Texas Medical Association Foundation. He served on the AMA Council on Science and Public Health for seven years and was its chair. Currently, he is a member of the AMA Board of Trustees. He is a clinical professor and director of facial plastic surgery at the University of Texas Health Science Center in Houston.
Take to Twitter to Educate Patients
Plastic surgeons should tweet evidence-based information more often and always use the hashtag #plasticsurgery, according to a report in the December issue of Plastic and Reconstructive Surgery.
"Twitter provides a great opportunity to engage with and educate patients and the public about plastic surgery," says study author Olivier Alexandre Branford, MA, MBBS, PhD, MRCS, FRCS, a plastic surgeon at the Royal Marsden Hospital, London. "But all too often, the conversation is dominated by celebrity gossip and marketing by practitioners who aren't Board-certified plastic surgeons."
The researchers analyzed the sources and types of information about plastic surgery available on Twitter. Of nearly 2,900 tweets including the words "plastic surgery," about 70 percent were posted by members of the public. Just six percent of plastic surgery tweets were made by plastic surgeons.
A large majority of the Twitter posts were about either celebrity plastic surgery (50 percent) or aesthetic surgery (44 percent), the study showed. Few provided information about the basic science of plastic surgery, patient safety issues, or topics related to reconstructive surgery.
More than 60 percent of tweets by plastic surgeons also mentioned aesthetic surgery, while 7.5 percent mentioned celebrity plastic surgery. Posts by plastic surgeons were more likely to mention basic science. Several tweets by plastic surgeons mentioned scientific articles, although only a few included a link to the journal where the article was published.
About five percent of tweets included the #PlasticSurgery hashtag. And nearly half of tweets tagged #Plastic Surgery were posted by plastic surgeons. A high percentage of these posts (37 percent) were self-promotional.
"Social media sites are a potentially powerful vehicle of integrating and enhancing education, leading to a useful role in e-learning within plastic surgery," Dr. Branford and coauthors write. They believe that Twitter "may be the best-suited platform to fulfill the role of public education and engagement."
In a series of Twitter surveys, Dr. Branford found that the public wanted plastic surgeons to post about education, patient safety, and new research—not celebrities and self-promotion.
"Board-certified plastic surgeons have a great opportunity to promote evidence-based plastic surgery practice via the hashtag #PlasticSurgery in the interests of supporting patients and the profession," the authors conclude.


text: If you're dreaming, or in my case, already living Autumn, then you might want to decorate for it. A common decoration is, of course, pumpkins, or gourds. But how do you keep those darn little things from rotting and getting nasty?! I welcome you to this tutorial. Simple, fast and cheap – it will preserve your decorations until (near) Christmas time!


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Good afternoon, crossword fans -- welcome to Week 93 of my contest. If you're new to the contest and would like to enter, please see the site FAQ on the left sidebar for instructions.
Two of the 20 actors recently nominated for Oscars sported a partially palindromic name: ANNA KENDRICK and JEREMY RENNER. They joined Oscar role IDI AMIN, many-times Oscar host BOB HOPE, and more tangentially Oscar-related actresses MIRANDA OTTO and DARYL HANNAH as last week's theme entries.
Contest instructions asked (somewhat imprecisely -- see below) for a Best Picture winner that "would have made a good theme entry" in last week's puzzle. 220 solvers came up with 1950's Academy pick, ALL ABOUT EVE, which was last week's contest answer. Like the six theme entries, that film contains a palindromic name in its title.
This week's winners, whose names were chosen at random from the 220 correct entries received, are Jane and Armand Van Nimmen of Vienna, Austria (the first European winners of MGWCC). Jane and Armand have selected as their prize an autographed copy of The Pocket Idiot's Guide to Brain Games.
Would ALL ABOUT EVE really have made a good theme entry in last week's crossword? About two dozen solvers felt not -- "Grouped with the theme entries in your grid, it'd be a flagrant odd man out," one fellow constructor noted.
Which is true. I changed the wording of the contest instructions at the last minute, usually a mistake. Originally I had something like "has something in common with this week's theme entries," but then, just before posting, I thought that gave too much away. So I switched to the phrasing I used, but all six of the theme entries last week were two-word full names, so ALL ABOUT EVE wouldn't have fit precisely with them. I apologize if that wording threw anyone off.
Lots of great e-mail this week. Annette Otis writes:
ALL ABOUT EVE...vs. "All About Steve," which should have disqualified Sandra Bullock from winning an Oscar this year.
For those who may not know, Bullock played a crossword constructor last year in "All About Steve," a role for which she won a Worst Actress Razzie (one day before winning her Best Actress Oscar).
I thought I'd scoured the lists pretty well, but Leo Stein found a palindromic Oscar-winner whom I'd never even heard of!
And many solvers (Morris Feibusch was first) found an incorrect but interesting answer in KRAMER VS. KRAMER, which is a word-unit palindrome.
In last week's post I meant to include this hilarious entry from Pete Mitchell. He'd submitted the Risk territory GREENLAND as his contest answer, having found a series of cities hidden in the grid which surrounded that cold island.
What's so hilarious about this? Notice that one of his "cities" isn't a city at all...(click image to enlarge -- and vulgar language alert!)
Speaking of vulgar language, Chip Van Kirk writes:
I must admit that I fell prey to Rex's Parker's "Natick Principle" when it came to the crosses of 32-Across and 25-Down. I was very relieved to Google Hideo NOMO...
What's she talking about? Noam Elkies clarifies:
Who is Hideo Nofo? ;-)
This week's contest answer is one of the most famous American authors of the 20th century. E-mail this author's name to me at email@example.com by Tuesday at noon ET. Please put the contest answer in the subject line of your e-mail.
To print the puzzle out, click on the image below and hit "print" on your browser. To solve using Across Lite download the free software here, then join the Google Group (1,125 members now!) here.
Solve well, and be not led astray by words intended to deceive.
MGWCC #093 -- Friday, March 12th, 2010 -- "Namegame"
Posted by Matt Gaffney at 3:39 PM
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There is often much discussion on here and around the area in general about the state of the High Street. For clarity I am referring here to the main shopping area streets - i.e. Central Road, Windsor Road, London Road over in North Cheam etc. Few of us (if any) want to see our shopping areas taken over by multinational outlets pushing out the very local independent shops which make our area unique.
Multinationals do have inbuilt advantages in that they can run national advertising campaigns, draw on the many experiences of numerous employees across many shops - putting tried and tested systems in place, buy in bulk to keep product prices down and provide customers with a 'safe' shopping experience - in that they'll know exactly what the experience will be like before they even walk in the door.
For these reasons I'm sure all of us have chosen Costa over Checkers and Waitrose instead of Ross's and Woodward Bros in the past (I'm just as guilty), or worse still, driven over to Kingston before even considering if Preview Menswear, Worcester Spark or the Toy Shed might have what we are looking for.
Our independent shops have other advantages though. They are unique and personal for a start. They are are part of the community and help shape the community. And they each give us something we can't quite get anywhere else at all.
An addition, independent shopkeepers have often poured life savings into their business. They have chosen to work extraordinarily long hours, day after day for many years and no one pays them to do it. Their only financial reward is what is leftover from the takings in the till after everything else has been paid for. They never really know how much that is going to be from day to day. Some do well out of it, others struggle. But they each chose to take that risk and give it a go and we are the ones who benefit by having those choices available to us. And I applaud them for it.
It is therefore appropriate that these businesses be occasionally recognised and I am glad once again to be able to draw your attention to the Independent Shop Of The Year competition in Sutton, Cheam and Worcester Park.
Parliamentary candidate, Paul Scully (Conservative) has put his money where his mouth is and has launched the competition in which local residents can vote online for their favourite independent retailer at www.suttonlocal.org.uk. Everyone who takes part then goes into the draw to win £100 to spend in the winning shop.
Last year the competition was won by Precision Chiropractic in Cheam (followed closely by our own Woodward Bros butcher shop in second place).
Kate Irwin of Precision Chiropractic said, "it's a fun competition, supporting local businesses".
After the launch Paul commented,
"I am a small business owner committed to supporting local retailers who create jobs for local people, protect the character of our high streets, and help to build a healthy local economy. I encourage everyone to take a moment to express their gratitude for the hard work of the staff at their favourite local shop, by voting online at www.suttonlocal.org.uk".Voting is open until 16th October and this year's winner will be announced on 23rd October. By taking part in the competition, customers have the opportunity to say thank you to a local retailer that they feel has provided an outstanding service to them and their families.


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What Does Herpes Look Like?
Because of the different stages of a herpes outbreak, it's difficult to pinpoint exactly what herpes look like. In the initial stages, herpes can look like whitehead, or a zit, that you would find anywhere else on your body. Embarrassingly enough, the first time I encountered herpes was on my leg, and I thought I […]Read On
Are Cold Sores Actually Herpes?
As many as 80% of the U.S. population get cold sores, but many do not know, or equate that cold sores is also know as HSV-1, or oral herpes. In fact, many people contract HSV-1 in their childhood or teens, through social kissing from a family member or boyfriend/girlfriend and not think anything about it. […]Read On
What Are The Symptoms of a Herpes Outbreak?
The symptoms for a herpes outbreak may depend on the type. The herpes virus comes in two strains, HSV-1, which is oral herpes, aka coldsores, and HSV-2, which is gential herpes. As we know, herpes is contracted by skin to skin contact. In most people infected with the herpes virus, their first outbreak usually happens […]Read On
Help My Herpes Outbreaks Don't Stop
Have you ever had herpes outbreaks that just seem to pop up one after another and never go away? Generally speaking, herpes outbreaks occur 4 times a year and as time goes on, our immune system builds up a resistance and that number may go down. However, there are many things that can trigger an […]Read On
How to Tell Your Potential Partners You Have Herpes
One of the single most difficult things that a person with herpes can face in a relationship is "The Talk." In fact, I personally know a few individuals that have genital herpes that almost avoid relationships altogether, because they don't want to have to divulge it. Personally, I don't think anyone needs to go to […]Read On
Is Herpes Considered A Pre-Existing Condition?
If you currently have herpes and are looking to buy health insurance, you do need to know that depending on the type, HSV-1 or HSV-2, a health provider may turn you down. Insurance companies have a list of what is considered pre-existing conditions, and they may down coverage because they feel it will cost more […]Read On
Is There A Cure For Herpes?
Regardless of the claims that companies may have, unfortunately, at this time, there is no known cure for HSV, aka herpes. Most people with the condition are tired of suffering with the outbreaks that it causes. There are simple procedures that you do help the healing process of herpes, but there is no definite cure […]Read On


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About Us
The Art of Investing in Art
Art has long been considered an investment of passion, one that not only offers aesthetic pleasure but the potential for economic benefit. Only recently has art investing been viewed through the lens of modern portfolio theory and considered as a potential alternative investment in a portfolio of assets. Though research continues to shed more light on what has been historically an opaque market, studies show that art can offer long-term return potential that is uncorrelated with other asset classes.
Market paradigms have shifted dramatically over the last several decades, as newly created wealth in emerging markets such as China, Russia and the Middle East has increased the number of participants in the art trade, giving the market greater resiliency. Undeterred by a rough economic environment in recent years, collectors globally are paying record sums for top works. Despite art's attractive upside as an investment, the lack of market transparency, illiquidity and high object costs have generally limited participation to a select class of wealthy individuals, leaving most institutional investors on the sidelines.
Newly acquired wealth in emerging economies has globalized the art market in many ways, giving it much-needed depth and resiliency.
Global market overview
Given the murky nature of the art market, it is often misunderstood. Unlike traditional asset classes such as stocks or bonds, there is very little transparency associated with art trading. A large segment of the market is executed through private transactions, making it difficult for outsiders to gain insight. This overall lack of transparency also makes estimating the size of the market a true challenge.
According to The European Fine Art Foundation (TEFAF), the size of the global art market is roughly US$56 billion,1 which reflects public auction data and an estimate of art gallery and private art dealer sales during 2012. That total represents a six-fold increase in size over the last 20 years.
As wealth has grown exponentially beyond North America and Europe in the last several decades, the art market has become more globally influenced than ever before. According to the 2012 RBC/Capgemini World Wealth Report, which analyzes economic factors that drive wealth creation,2 Asia-Pacific surpassed North America in its high net worth individual (HNWI) population to become the largest HNWI region for the first time. With newly acquired wealth, the demand for luxury goods increases. Fueled by triple-digit growth in recent years, China (including Hong Kong) overtook the U.S. for the first time as the world's largest market for art and antiques in 2011. However, an economic slowdown in 2012 pared back art market participation, and China slipped to second place behind the U.S. in terms of global market share.
Performance and diversification potential
To understand what drives the art market, it is important to recognize the main motivations behind art buying. Art is unique as an investment in that there are many non-monetary investment reasons behind collecting. Surveys have shown on average only 10 percent of HNWIs own fine art and paintings purely as a financial investment, though other surveys suggest a much higher percentage.3 Regardless, the actual non-financial value, though difficult to extract from overall value, shouldn't be ignored.
First, there are intangible values associated with having and enjoying a piece of art. Art provides collectors with social status and prestige— an outlet to signal their wealth or lifestyle to others. There are also the philanthropic benefits of purchasing art, from financing up-and-coming artists to building a collection to preserve cultural heritage. Chinese buyers, for example, have been repatriating cultural assets that have been in the hands of Western owners, which has contributed to a rise in values of Chinese works in recent years.4 The obvious monetary benefit is the opportunity to gain a return on investment, though investors also recognize art as a way to store value, to hedge inflation and to diversify their portfolio allocation.
Measuring returns
Several studies have been conducted to measure the historical returns of art investments. The two main approaches involve analyzing repeat sales of the same object at auction and developing a hedonistic model, which takes into account characteristics and qualities of the individual works. Though calculation methodologies, sample data and time periods vary, most studies show that over long periods of time art prices have trended upwards, kept pace with inflation and, in several studies, have outperformed more traditional asset classes such as equities and bonds over certain time periods.5
There are, however, several limitations in measuring art performance. Typically, only auction records are used. Though auction data is large and represents a wide range of price points and collecting categories, much of the turnover in the market (i.e., private sales) is not captured. In addition, transaction costs and other fees are not fully reflected. Auction fees for the buyer can exceed 10 to 20 percent of the hammer price. Other ongoing expenses such as storage, insurance, advisory and appraisal costs may also eat into returns.
The Mei Moses® World All Art Index,6 which is calculated annually and based on resale values of paintings sold multiple times at auction, shows positive returns over the last 50 years, albeit mixed relative to other asset classes. Figure 2 illustrates that annualized returns on art as measured by the Index have done particularly well in recent years, outperforming U.S. equities and fixed income over the last 10 years and outpacing U.S. and international equities over the past 15 years. This is due in part to a relatively softer correction during the 2008 recession and a quicker recovery.
Volatility (standard deviation of annual returns) of art was lower than U.S. and international equities as well as commodities during the last 25 years. Art tends to move in slow and long-term cycles. The data show that when considering performance on a risk-adjusted basis (returns divided by standard deviation) over the last 50years, art (0.51) looked comparable toU.S. equities (0.58). On a 20-year basis,art (0.51) looked relatively strong,outpacing international equities (0.32)as well as U.S. equities (0.44).
Figure 3 shows that in the last 25 years,art had almost no correlation with U.S.equities and was negatively correlatedwith fixed income and REITs. Theanalysis suggests that art may adddiversification benefits within thecontext of an investment portfolioof assets.
Selectivity a factor
It is worth noting that certain art genres do better than others for a number of reasons. Art can be an unpredictable investment in which returns may be heavily influenced by not only a number of macro-factors, such as economic growth and inflation, but also micro-factors unique to the market, such as global interest in certain genres and changes in trends, tastes and culture.
As figure 4 shows, the Mei Moses World Post-War Contemporary Index has greatly outperformed the Mei Moses World Impressionist Modern Index, particularly over the last 10 years. As with other asset classes, investors should look to diversify their holdings to manage their exposure across different genres, artists or types of work.
Hedging against inflation
As a store of value, art has shown to be an effective hedge against increasing prices when inflation rises. Figure 5 shows the average yearly return for years when inflation (as measured by the Consumer Price Index) is higher or lower than the 40-year median (3.3 percent) and rising or falling from one year prior. On average, art has performed significantly better over the last 40 years during periods when inflation is rising, particularly high and rising. Returns on art appear weakest when inflation is falling. The analysis of art performance in various environments suggests that art can be used as an effective store of value in prolonged periods of rising prices.
As emerging markets become wealthier, the art market is likely to continue to be comprised of a much more diverse set of art buyers. This is generally good news. When investors are concentrated in one geographic region, the art market as a whole is very sensitive to that region's economic environment. For example, a steep decline in the art market in the early 1990s was in part attributable to the decline in the Japanese economy. During the highly inflationary 1980s, Japanese investors were investing heavily in art. As the Japanese real estate market started to collapse in the early 1990s, investors there pulled back and many segments of the art market crashed. In theory, a more global market is more resilient. As figure 6 shows, art prices took almost a decade to recover from that slump when the market was more concentrated geographically in a small number of wealthy countries, while the downturn during 2008 was short-lived incomparison.
An alternative for the institutional investor?
Studies have shown relatively strong returns for art over extended periods of time, and recent risk-adjusted performance looks comparable to other traditional asset classes. Low and even negative correlations with equities and fixed income suggest an allocation to art can potentiallydiversify one's portfolio.
Despite the return potential, institutional investors, such as pensions and endowments, have historically been reluctant to invest in art or art funds. The British Rail Pension Fund (Railpen) is widely considered one of the first institutional investors to allocate money to a fund of art works. In the mid 1970s, about US$70 million, or roughly three percent of Railpen's capital, was invested in approximately 2,500 works of art. This collection included a wide range of works including paintings, manuscripts, furniture and ceramics. Railpen was reportedly able to deliver an annualized return of 11.3 percent in its art allocation from 1974 to 1999. Critics, however, were quick to point out that most of the returns came from just a few works that were sold at a very good time in the market.
It is worth noting, however, that views on alternatives have evolved significantly over the last several decades and will continue to evolve. What most fiduciaries today consider mainstream alternatives—namely, hedge funds, private equity and real estate—were not always considered so. Today, more than 22 percent of institutional investors' portfolios are allocated to such investments, a significant increase from just a few years ago.7 Whether or not art will be accepted as a viable alternative asset remains to be seen. However, given a low interest rate environment, unease about the global equity and bond markets and chronic pension funding shortfalls, less mainstream assets such as art may draw more attention among institutional investors seeking greater return and diversification potential.
The JPMorgan Chase Art Collection
Established by David Rockefeller more than fifty years ago, the JPMorgan Chase Art Collection is one of the world's most celebrated corporate collections. Over 450 locations display pieces from the collection, true to Rockefeller's original vision of "art at work." Today, Lisa K. Erf, Director and Chief Curator, JPMorgan Chase Art Program, oversees the collection as director and chief curator.
Thought: What is your role as director and chief curator?
LE: My job is to manage a collection of around 30,000 pieces in 450 corporate locations worldwide. The firm sees this collection primarily as a cultural investment, not a financial one. When Rockefeller started the collection, he envisioned it as a way of bringing art and creativity to the workplace. We seek out works that are high quality, innovative and inspirational, and ultimately contribute to our corporate culture. We also look for good value.
Thought: Can the public view the collection?
LE: The JPMorgan Chase Art Program curates travelling public exhibitions as an ongoing component of its dedication to share the collection with audiences and communities around the world. From 2007 to 2009, Collected Visions: Modern and Contemporary Works from the JPMorgan Chase Art Collection, an exhibition of more than 70 highlights, travelled to Istanbul, Dubai and New York City. Other exhibitions have toured Argentina, Brazil, Chile, Japan, France, Venezuela and throughout the United States. We also have a full agenda of loans with many museums all over the world—an average of 12 works are on loan to different museums every year.
Thought: What types of works are included in the collection?
LE: The collection has a variety of art forms and styles. It includes paintings, photographs, prints, sculptures, indigenous objects, textiles, such as African cloths and American quilts, and even utilitarian objects, such as maps and weathervanes. More than 8,000 artists and 100 nationalities are represented.
Thought: What are some of your favorite pieces?
LE: I love some of our earliest acquisitions—a mobile by Alexander Calder, a mural by Sam Francis and a 1959 oil painting by Joan Mitchell. I love them because they're magnificent works that are highly collectible and museum quality now, but at the time they were acquired, the artists were relatively unknown. Part of our vision is to discover original and innovative artists and their works to inspire future generations, not necessarily to follow current trends.
Thought: Do you work much with clients who may be interested in collecting or investing?
LE: We share our passion, exchange information and network with clients, but my department does not work directly with clients to buy or sell their art.
Thought: To which artists are you looking with interest at the moment?
LE: Latin-American artists, particularly those from Colombia, Argentina, Peru and Brazil, are interesting. Miguel Angel Rojas and Oscar Munoz are two examples of mature artists whose art is still undervalued, in my opinion.
Special thanks to Michael Moses, co-founder of the Mei Moses family of fine art indexes and Beautiful Asset AdvisorsLLC, for his contributions to this article.
l www.tefaf.com.
2 www.capgemini.com.
3 In the 2011 RBC/Capgemini Global Wealth Management Financial Advisor Survey, 42 percent of advisors believe their HNW clients invest in art primarily for its potential to gain in value.
4 Patrick Mathurin, "Gold feels weight of Paulson Curse," Financial Times, 8 January, 2012, www.ft.com.
5 Orley Ashenfelter and Kathryn Graddy, "Auctions and the Price of Art," Journal of Economic Literature, Volume 41, Issue 3, September 2003, www.aeaweb.org/jel.
6 Used with permission; more information about the Mei Moses Art Indexes may be found at www.artasanasset.com.
7 2012 Russell Investments' global survey of 144 large institutions, cited by Mark Cobley in "Pension Funds Embrace Alternatives,"www.efinancialnews.com.
This is a link to a third-party site as described in our Weblinking Practices. Note that the third party's privacy policy and security practices may differ from JPMorgan Chase standards. JPMorgan Chase assumes no responsibility nor does it control, endorse or guarantee any aspect of your use of the linked site.


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Low liquidity, market instability undermine derivatives trading kickoff
An Exchange Traded Derivative (ETD) is merely a contract that derives its value from an underlying asset that is listed on a trading exchange and guaranteed against default through a clearinghouse.
A member of the Chartered Institute of Stockbrokers' Conference Committee, Akeem Oyewale, said despite efforts by the regulators to roll out trading in derivatives, there is still lethargic action by the market players due to market instability and low liquidity.
"Securities and Exchange Commission (SEC) and Nigerian Stock Exchange (NSE) have tried to introduce this to the market.
There is still that lethargic action by the market players. There is a bit of resistance from the market to actually absorb this.
Until there is so much liquidity in the system, we are not going to see a desired growth in derivatives as it has been in other developed markets."
The Relationship Officer of Foresight Securities Limited, Charles Fakrogba, said: "The legal framework for the establishment of the Central Counter Party (CCP) has not been completed. This CCP is critical for the take off of the derivative market."
The Managing Director of United Capital Securities, Jude Chiemeka, said in terms of product development, derivatives would help enhance the array of services that the brokerage communities are currently enjoying.
He said: "Derivatives is derived from other things that exist in the economy. First of all, in terms of product development, it would help enhance the array of services that the brokerage communities are currently enjoying.
"It would help the brokers to improve their revenue stream and improve their expertise so we are now able to meet more need along what is going on because the key word now is digital technology.
With derivatives, brokers are able to do structured products that they can sell inform of derivatives. Derivatives market is huge internationally".
There have been arguments, though, to the effect that the NSE's product offering has only reflected the domestic economy's financing needs.
Finance experts are of the opinion that opportunities should now abound for a broadening of the Exchange's product offerings to include key derivative categories, expansion of listed mutual funds, index funds, among others.
In a bid to strengthen the NSE and make it compete favourably with other Exchanges across the globe, some experts had at various fora called on regulators to create more products that would broaden deepen and injection of liquidity into the market.
Due to the recent catastrophic fall of capital market, rapidly declining Foreign Direct Investment (FDI) and scarcity of investment opportunities, investors in the nation's capital market are seeking an innovative and versatile financial product such as derivative securities for hedging and market expansion.
Globally, the derivatives market has attained the highest growth of all financial market segments in recent years and has become the central contributor to the stability of the financial world.
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Morning all,
Happy Friday!
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To find out more hop on over & check it out
If you do join in, please say I sent you over
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Have a fabtastic Friday!!!


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Ideal Bite says: "We know that you would just love to "do the right thing" for yourself and the planet if it were convenient, fun, inexpensive, and made you feel good. But until now you have lacked a good source of advice for real people leading busy lives. Congrats. Now you have a free one. Easy eco-living tips are delivered in a short, sassy email each weekday."


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The Rainbow Serpent - Symbol of Native Australian Spirituality
The religious beliefs and customs of indigenous Australians have been influenced throughout the years by a variety of other cultures around the world, resulting in stories handed down throughout generations.
Buzzle Staff
Last Updated: Mar 4, 2018
Indigenous Australians share many religious beliefs and forms of religion that were introduced into Australia by other cultures, particularly Europe. Practices and beliefs were profoundly influenced in decades past by the impact of colonialism, and in modern times, by events taking place in the global community. Although some indigenous Australians share these beliefs, most people have derived their spirituality from a sense of belonging to the land or the sea, to other people and communities, and by being a part of one's culture.
The Aboriginal people of Australia and the Torres Strait Islanders have forms and expressions of spirituality, drawn upon stories handed down through generations. Aborigines derive their spiritual beliefs from the stories of the Dreaming, which vary throughout the region. In similar fashion, the Torres Strait Islanders fashion ideas of spirituality around the stories of the Tagai. Although the details of stories differ from region to region, they are all versions of the same story. For example, there are stories about how the birds of Australia obtained their different colors, but the explanation told in New South Wales is slightly different from the one told in Western Australia. They deal with a wide variety of topics and themes, such as animals, people, geographic regions, plants, and the creation of sacred places and evolution. There are also stories of the development of languages and customs, or the first usages of fire and various tools. More recent ones speak about the arrival of outsiders and their effects upon the land, stories about trading with fishermen and people in other areas of the state.
Many of the spiritual expressions of these people are rooted in the journey of the Spirit Ancestors across the land. This journey is recorded in Dreaming Tracks that join together the various sites tracing the path of an Ancestral Being as it moves through the landscape. A Dreaming Track shows how the Spirit Ancestor formed its creatures, created its flora and fauna, and laid down the Laws of the landscape. One of the most pervasive and well-known of the Spirit Ancestors is the Rainbow Serpent, whose Dreaming Track is shared by many of the Aboriginal communities in Australia.
The Rainbow Serpent is a consistent theme in Aboriginal paintings, and has been found in rock art and cave paintings as old as 6,000 years. The Rainbow Serpent, a large snake-like creature, is a powerful symbol of the creative and destructive power of nature. Its Dreaming Track is always associated with bodies of water such as rivers, creeks, lagoons, and billabongs. Although it is the protector of land and its people, it can also be a destructive force if it is not shown proper respect. Most of its paintings describe the creation of a landscape surrounding the birthplace of the artist. Because of this, some of its stories are usually restricted to only initiated persons, even though the image itself has been very public. Today, however, most artists add personal clan designs to the bodies of Rainbow Serpents. Indigenous Australians believe that it is the source of all life, and spirituality is a large part of Aboriginal life. Since spirituality is derived from a sense of belonging to the land or its people, paintings today focus on symbolizing links between the artist and the land to which they belong.


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As we know, iOS 8 brings many new features to the iPhone and iPad operating system. But it appears that Apple also has decided to improve their Find My iPhone and Find My iPad software. As discovered by Twitter user johnhmeyer123 and reported by MacRumors, iOS 8 now has the option to automatically send Apple the last location of your iPhone or iPad when the battery drains to a critical level. The feature in named "Send Last Location" in the iCloud settings section of your iPhone or iPad.
Currently, when the battery of an iOS device with Find My iPhone activated dies, Apple retains the last location of the device for only for 24-hours. After that, there's no way of knowing the last location of the device. By turning "Send Last Location" on, you will grant Apple permission to store the last location of your device in their server forever. This would be useful in case someone gets lost or kidnapped.


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Discuss SWOT ANALYSIS ON Altria Group within the Principles of Management ( P.O.M) forums, part of the PUBLISH / UPLOAD PROJECT OR DOWNLOAD REFERENCE PROJECT category; SWOT ANALYSIS ON Altria Group : Altria Group, Inc. (NYSE: MO) (previously named Philip Morris Companies Inc.) is based in ...
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SWOT ANALYSIS ON Altria Group
SWOT ANALYSIS ON Altria Group - November 26th, 2010
SWOT ANALYSIS ON Altria Group : Altria Group, Inc. (NYSE: MO) (previously named Philip Morris Companies Inc.) is based in Henrico County, Virginia, and is the parent company of Philip Morris USA, John Middleton, Inc., United States Smokeless Tobacco, Inc., Philip Morris Capital Corporation, and Ste Michelle Wine Estates. It is one of the world's largest tobacco corporations. Philip Morris International was spun off in 2008. In addition, Altria Group, Inc. has a 28.7% economic and voting interest in one of the world's largest brewing companies, UK based SABMiller plc. It is a component of the S&P 500 and was a component of the Dow Jones Industrial Average until February 19, 2008. The company has its headquarters in unincorporated Henrico County, Virginia, less than five miles West the city limit of Richmond and less than ten miles from its downtown Richmond buildings.
On January 27, 2003, Philip Morris Companies Inc. changed its name to Altria Group, Inc. On March 30, 2007, a spin out of Kraft Foods subsidiary (publicly traded since 2001) was concluded through distribution of the remaining stake of shares (88.1%) to Altria shareholders. As a result, Altria no longer holds any interest in Kraft Foods. On March 28, 2008 a similar spin out of Philip Morris International was completed with 100% of shares being distributed to Altria shareholders.
On January 6, 2009, Altria Group, Inc. completed the acquisition of UST Inc., a moist smokeless tobacco manufacturer; UST owned Ste Michelle Wine Estates, a wine company.
* Diversified business portfolio
* Strong research & development (R&D)
* Order backlog guarantees business flow in the future
* Strong management & culture in terms of people, systems, technology and measures
* Bets on financial markets have proven unsuccessful with economic turmoil
* Weak revenue growth of industrial segment
* Underperforming in Asian markets
* Leveraged
* Development of infrastructure
* Aviation industry growth
* Increasing global exploration and production
* Servicing and regeneration of commercial airplanes around the world
* Senior management - weak performance by GE has put doubts on Jeff Immelt's ability to be the next Jack Welch
* Rising commodity prices
* Exposure to financial markets
* World economic slowdown in the US and Eurozone, two of the most important markets for GE
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The dense fog in North India has hurt the daily lives of the common man. Over 11 trains were cancelled, 7 rescheduled and 26 were delayed due to the dense fog. 1 international and 5 domestic flights taking off from Delhi were also delayed due to the foggy weather which causes visibility problems. Outbound flights are the first to be affected due to fog, as the flights that are already airborne may be diverted to another airport or may land with some assistance. Taking off in the dense fog is deemed as dangerous as visibility is sometimes not beyound a few hundred metres.
The temperature in Delhi has gone down to 5 degrees Celsius. All of North India suffers from poor visibility due to the dense fog which occurs due to very low temperatures. There are many road accidents which occur due to the dense fog.
Many times, schools and Government offices are shut due to the dense fog that makes communting very difficult for all citizens.