text: Share SHARE PRINT Why warranty and indemnity insurance is facilitating M&A deals 20 February 2019 Warranty and indemnity (W&I) insurance is increasingly being used to facilitate mergers and acquisitions (M&A). We assess the role of the insurance, how a policy works and how the transaction risks inherent in M&A deals can be identified and managed with the right insurance cover in place. As 2018 draws to a close, it looks to have been a bumper year for global M&A activity. According to the Institute of Mergers, Acquisitions and Alliances, as of 20 November 2018, almost 41,000 transactions had been completed globally with a value of more than $3.5 trillion. Likewise, analysis by the Financial Times predicted that total would hit $4.3 trillion before the year is out, making it only the third time that the value of M&A activity will have exceeded $4 trillion. And sitting behind a growing number of these deals is warranty and indemnity (W&I) insurance, providing greater security for buyers and facilitating the clean exit that more and more sellers seek. Covering breaches of representations and warranties made in purchase agreements, it can provide a clean exit for the seller who is unwilling or unable to provide any warranties; bridge the gap between the liabilities that a seller is prepared to accept and what a buyer requires; or help in a range of situations where a buyer would be unwilling to pursue the seller in the event of a warranty breach. Although a comparatively young market (these policies have only been available since the early noughties), there has been a marked increase in the use of this cover and the number of insurers willing to underwrite the risks. Research from Munich Re shows that global demand for W&I cover has tripled since 2011 and increasing capacity in the market is matching the pace of that growth. "Go back to the beginning of the decade and there were approximately seven or eight insurers operating in the London market," says Ben Crabtree, Partner, Mergers and Acquisitions at JLT Specialty. "Now there are over 25 and they are all out there fighting for business." Market dynamics Although the volume and cost of claims in this sector has been historically low, making it an attractive proposition for insurers, Hayley Tennant, Partner at JLT Specialty, points to broader market dynamics to help explain the rapid growth. "Sellers now have record levels of capital at their disposal, leading to an increase in auction sale processes where the seller requires the buyer to purchase W&I in lieu of indemnity protection," she explains. "There has also been a rise in nil recourse deals where the seller assumes no or minimal liability, particularly within the real estate sector. "In such scenarios, the seller desires a clean exit enabling return of funds to investors with the buyer relying on the insurer's security." In addition, new entrants and existing players are offering broader coverage and lowering excess levels, sometimes to zero, in order to secure business. All this, of course, will and does have an impact on the volume and value of claims coming through, with AIG, one of the largest insurers in this space, revealing that one in five of its W&I policies received a notification of claim in 2017. Most claims arise from breaches of warranty concerning financial reporting, tax or regulatory issues and, as the breadth of cover and knowledge of how the policies work increases, so do the claims. "The market historically has had very low claims ratios," says Tennant. "But that has changed in the last three to four years." She explains that an increase in sellers insisting on low or nominal levels of liability means that policies are paying out more regularly than they have in the past but cautions that "claims activity is certainly increasing but … is generally proportionate to the use of W&I insurance overall". And although this European experience in terms of growth and demand is largely reflected in JLT's Asian, US and Canada markets, there are some interesting anomalies, particularly around rates and levels of coverage. Although rates in the US and Canada have decreased by 5 per cent in the past 12 months, that is a positively hard market when compared with rate reductions experienced in Asia (-35 per cent) and the UK (-23 per cent). However, it appears that policyholders aren't pocketing the savings – they are taking out higher limits of cover instead which, despite the rapid softening of the market in some territories, points to a growing desire for and faith in the coverage these policies provide. And it could be that, as the market matures and the incidence of claims increases, the individuals advising and facilitating M&A are seeing the true value of the product. Crabtree explains: "A lot of people who use this insurance are transactionally focused – they want the deal done and signed. But what we are seeing is more focus on what the broker will do around the claims support. "These are seven-year policies so it's not just about placing the risk – it's important a broker is able to help the client through any claims process." He goes on to explain that, although W&I claims are seldom simple, he has found that insurers are "behaving well" and can sometimes go beyond what is required contractually to pay the claim. All this paints a picture of a healthy, functioning and growing market. But, with new capacity entering and claims increasing, is the future really as rosy as it looks? "The majority of M&A currently isn't using this kind of insurance as part of the process but, as awareness of the product continues to grow and coverage broadens further, more and more businesses will factor W&I insurance into their deals," says Tennant. For more information please contact Ben Crabtree, Head of M&A on +44 (0)20 7558 3824 YOU MAY ALSO BE INTERESTED IN Get in touch with our specialist team > Read more specialist insights >


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Taliban's new leader Mawlawi Haibatullah Akhundzada is being viewed as "lacking" the grip and influence his predecessor Mullah Akhtar Muhammad Mansour commanded and the terror group's decision-making power has returned to the insurgency's senior council based in Quetta, Pakistan, a US media report said today.
"The early tenure of the Taliban's new leader, a low-key religious scholar seen as a potential unifier, has been notable for lacking the drama his predecessor seemed unable to shake," a report in the New York Times said.
"But even after two months in the role, Akhundzada remains something of a mystery to the Taliban rank and file," the report said citing analysts and insurgent commanders.
It said Akhundzada has yet to make any high-profile mark on an insurgency that is stretched by internal divisions and "many view him as lacking the grip and influence" that his predecessor Mansour had amassed before being killed in an American drone strike in May.
Some commanders have refused to pledge allegiance to Akhundzada, according to interviews with Taliban commanders and officials.
"From the first days of the hasty leadership meetings that elevated Mawlawi Haibatullah, it was clear that the Taliban's decision-making power was returning to the insurgency's senior council based in Quetta, Pakistan — a politburo of about two dozen clerics and commanders split between the older generation that founded the Taliban and newer members who were empowered more recently," the report said.
It added that Akhundzada's perceived strengths and the "very traits that made him attractive as a potential unifier, lie in a slower kind of influence: his shunning of the limelight and his deep ties to the radical religious schools that for years have provided the Taliban with an ideological core of committed fighters".
The report quoted Borhan Osman, a researcher with the Afghanistan Analysts Network who has written extensively about the Taliban, as saying that how Akhundzada fares will depend on the space he can carve with the dozen influential members of the senior council, or shura, who "call the shots".
"Akhundzada is calm and understanding, a symbol of politeness who has always led a humble lifestyle," said Hajji Saifidad Aka, an elder from the new leader's birth village of Rigi, in Kandahar province.
He is also sometimes compared to the movement's founding leader, Mullah Muhammad Omar, who abhorred publicity, differing greatly from the style of Mansour, who became a vastly more public and pragmatic figure in the months after he made his bid for power in 2015.

subset: commoncrawl


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Tesla Car of the Year, It's Electric
Posted By : George Kay
Motor Trend shocks the world by naming a start-up company's electric plug-in vehicle, the Tesla's Model S sedan, the Car of the Year. For the first time "in memory" every judge agreed, which made this event even more shocking. To win this award, one of the most closely watched awards in the auto world, Tesla's Model S … Continue reading Tesla Car of the Year, It's Electric


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Have you ever thought, just one day I would like to not follow the rules!!
There are rules wherever you go. Rules to get in a line, rules for when you bank, and most recently rules on what facebook name you can now have.
For me, whenever anyone (especially those in authority) say "Mischa don't do that!" I feel the instant desire to do it. Although desire probably isn't an accurate synonym. It's more like I have to do it or I'll explode. I've been this way for as long as I can remember.
Now that I've entered the workforce, I find there are so many rules and regulations. Granted, some of these have real merit (such as the recycling policies, discipline policies, and steel cap boots for safety when you enter a workshop). I know that in my job, I create most of the damn rules. But sometimes, I wish that I could just shake off all the rules and drive down the wrong side of the road for once.
There are some rules that are just plain idiotic and some that just go way too far. Whatever happened to tackling at school, rumbling on the grass, hop scotch, swings, monkey bars, all disappearing because of damn rules.
One rule that I don't mind following is when a designer asks me to blog one of her new special releases. Thankyou to Fuzz Lennie from Zanze, this beautiful design is just magic, coming in many colours such as this blue, fuscha cream, green and earth, just to name a few.
So what are you waiting for come take a walk to our destination for today.
Destination: - Zanze Mainstore
Dress: - [ZE] Corazon Dress (New from Zanze)
Hair: - Truth - Bijou 2 Ginger (New)
Sunglasses: - Gizza Glam
Skin: - Glam Affair - Laura
Bracelet: - GB - Curb Chain Bracelet


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In house processing includes - shaped beveling, polishing, polished mitres, holes, cutouts and much more.
Monash Glass will be closed over the Christmas / New Year period.
Closed: 11:30 am Friday 20/12/19
Open: 7:30 am Thursday 16/01/20
It would be appreciated if all collections were completed by 10:30 am Friday 20/12/19.
Deliveries will resume as of Friday 17/01/19.
We would like to take this opportunity to thank you for your support over the past year and to wish you and your staff a Merry Christmas and a Happy New Year!
Factory seconds available as of November 2019.
Please note that this list is subject to change. Some of the panels listed below have minor damage. All sizes listed are in millimeters.
4mm Clear Toughened
1200 diameter - 10mm bevel
214 x 1039 - rough arris with 4 x 30mm radius corners
6mm Starphire Toughened
2048 x 783 - flat polished
6mm clear toughened
1280 x 978 - flat polished
1000 diameter - round and polished
4) 472 x 530 - rough arris
Our brand new stubby holders have arrived! If you would like to pick up a free stubby holder simply leave Monash Glass a Google or True Local Review.
Monash Glass will be closed over the Melbourne Cup long weekend.
Closing: 3:30 pm Friday 1/11/19
Opening: 7:30 am Wednesday 6/11/19
Monash Glass will be closed over the AFL grand final long weekend.
Closed: 3:30 pm Thursday 26/09/19
Reopen: 7:30 am Monday 30/09/19
We're pleased to announce that we now stock 6mm thick Narrow Reed.
Original sheet size is 1840 x 2440.
Monash Glass operating hours over the Queens Birthday long weekend are as follows:
Closing: 3:30pm Friday 7th of June
Reopening: 7:30am Tuesday 11th of June
Monash Glass operating hours over the Easter & ANZAC Day are as follows:
Closing: 3:30pm Thursday 18th of April
Reopening: 7:30am Monday 29th of April


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Today for fun, we repeated an activity Bruce and I had done a while ago, called Peanut Buttering fractions. This is a lesson on reducing fractions that I learned with I was going through teacher training for Constructivist math. It is a wonderful example of a hands-on activity helping children construct their own understanding of a mathematical concept. The whole word "reducing" doesn't make a lot of sense when you think about it, because the actual quantity of the fraction your reduce never decreases or diminishes. Peanut buttering, makes a lot more sense.
To start, I asked Bruce to tell me which fraction of the MnMs were red. He answered 3/9.
By this point, Bruce totally remembered what to do next, which was the reduce the fraction with peanut butter. But with a child new to the activity, there is a lot language prompting you can introduce to help guide them to discovering how this works on their own. "Look for groups. Do you see a way to group the candy evenly? Instead of having so many red candy, can you make a clump with peanut butter? Oh, you make a red clump of three, can you make green clumps of three?" etc.
After peanut buttering, 3/9 of the candy being red, becomes 1/3 of the candy.
Here's another problem we did. By this time, things were getting pretty sticky!
What fraction of the candy is green? 10/20
Bruce's first attempt at peanut buttering, and he turned 10/20 into 2/4.
I asked him to if he could peanut butter even more, and he made 2/4 into 1/2. 1/2 of the MnMs were green.
On a side note, my MIL brought that giant tub of Jif over to our house when my husband and I were in Europe. We usually eat organic peanut butter instead. The hydrogenated stuff actually works better for this activity though, because natural peanut butter is a bit too slippery.


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HCM CITY (VNS)— Vietnamese world-class grandmasters Le Quang Liem and Nguyen Ngoc Truong Son have a very big chance to win the international open chess tournament to be held on March 16-23 in HCM City, according to the vice president of the Southeast Asia Chess Federation.
Maung Maung Lwin, who is also president of Myanmar Chess Federation, said at a press meeting that the HDBank International Open Chess Tournament 2015 would be organised for the fifth time on Tuesday.
"In this year's tournament, I see there are many strong players with higher Elo ratings and a high ratio of chess players with grandmaster title. There are world-class Vietnamese players likes Le Quang Liem and Nguyen Ngoc Truong Son, who are very strong and have won many international events, even in this tournament. I do believe that Liem will do well at this tournament," he added.
Vietnamese players dominate qualifiers
Vietnamese players dominated the Zone 3.3 qualifying round of the World Chess Championships 2015 in HCM City yesterday.
After seven rounds, Grandmasters (GM) Le Quang Liem and Nguyen Ngoc Truong Son lead the men's event with six points and five and a half points, respectively.
No 1 seeded Liem defeated GM Gomez John Paul of the Philippines, while No 2 seeded Son tied with International Master (IM) Wynn Zaw Htun of Myanmar in the seventh round.
No 22 seed Htun of Myanmar retained third place with five points.
Today, Liem will meet GM Laylo Darwin of the Philippines, Son faces GM Zhang Zhong of Singapore and Htun layed Viet Nam's Dao Thien Hai.
In the women's event, Pham Le Thao Nguyen and Pham Thi Thu Hien are in first and second with six and five points, respectively, while Munguntuul Batkhuyag of Mongolia is in third. — VNS
Organisers HDBank and Viet Nam Chess Federation said the tournament has attracted as many as 85 chess masters from 14 countries and territories competing for US$35,000, of which $12,000 is given to the champion.
There are 44 Vietnamese and 41 others from chess powers like Germany, India, Switzerland, Indonesia, the Philippines, Australia, Singapore, Russia, Ukraine, Uganda, Uzbekistan, Hungary, and China.
Vietnamese player Liem, world number 65, and Son (champion in 2014), world number 91, are among the three top seeds on the list of Elo ratings, following Li Chao from China.
Chinese grandmaster Li with an Elo rating of 2,721 will be the most serious challenger for the two Vietnamese grandmasters. Liem has an Elo ratings of 2,676 and Son, 2,659.
This year, the organisers are allowing female players to compete against male players. The female player with the highest score will win $3,000.
For the last four years the HDBank International Open Chess Tournament has attracted 450 chess masters from 22 countries from Europe, Australia, Asia and Africa.
There has been a steady increase in the number of participating grandmasters, and the number of countries sending players to the tournaments.
In 2011, 60 per cent of players were grandmasters. This year, the figure is 75 per cent.
"I think this is the top chess tournament in Southeast Asia and one of the top tournaments in Asia, in addition to others in China and India. In comparison with other chess tournaments in the region, the Vietnamese event has also been highly rated in terms of organisation," Maung Maung Lwin told Viet Nam News.
HDBank and the Viet Nam Chess Federation have signed an agreement to organise a similar tournament for the next five years.
Le Thanh Trung, deputy general director of HDBank, said: "After four successful seasons of the HDBank International Open Chess Tournament, which received positive feedback from experts and fans, HDBank continues to organise the tournament as part of a commitment to help the Viet Nam Chess Federation train young talents in the country and create the most favourable conditions for international players to showcase their talents at an international chess tournament organised in Viet Nam." — VNS


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Dolphins have fired a two-week ultimatum to Greek club Panathinaikos to pay up the 200,000 Euros for the sale of Nigeria U20 skipper Abduljaleel Ajagun.
Panathinaikos had promised to pay the transfer fee soon after they completed the signing of the midfielder last month, but they are yet to do so.
"Dolphins will send a formal remainder to Panathinaikos this week asking to be paid the cash within the next two weeks," a top source involved in the transaction told MTNFootball.com.
The cash crunch in Greece has forced Pana to operate a shoe-string budget this season.
Ajagun in the meantime has made several appearances for the top Greek club and even featured for 81 minutes as they won 2-0 at Ergotelis on Saturday in a league fixture.
They have now climbed to fifth place on the table with 14 points from nine matches.


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Whether you are looking for a water dispenser for your kitchen, living room, clinic or hospital lounge or office lounge you need to know how to land yourself the most convenient dispenser for your needs. There are different models and also different brands with different features so it really isn't a simple task of walking into a store or going online and selecting any available dispenser.
You need to have some guidelines on how to go about buying the best water dispenser.
Combined hot and cold dispenser – Fulfills all water dispensing needs
When you check around for dispensers you will find hot water, cold water and combined hot and cold water dispensers. While sometimes one may need a specific one, for example a hot water dispenser if your running water is safe to use, the best option is the combined hot and cold water dispenser because it will serve your needs in any weather.
Most people who post their views on dispenser reviews agree that they cannot be thankful enough for selecting the combined one.
#1 NewAir AI-350S Dispenser Review – Absolute Thirst Quencher
NewAir AI-350S Ice Maker & Water Dispenser gives you a steady supply of cool and hot water and has a built in ice maker that can make 26 pounds of bullet-shaped ice in 24 hours. A standard water bottle can be placed on it or it can also be filled with water direct from a waterline. Produced by NewAir, a world-famous maker of appliances and other home implements,
It is ergonomic and durable. With this featured item, you would never run out of cold or hot water for you daily needs. In addition, you can make shakes with the ice or use it to keep your drink ice-cool.
- has a built-in ice maker that can produce 26 pounds of ice in 24 hours
- can dispense cold and hot water
- has a compact design and can fit in a table or countertop
- has a digital display that shows the time of the day and its operating modes
- can be used with standard water bottles or with direct connection to a waterline
- Safe hot water faucet that cannot be easily opened by children
Who is it best for?
It is ideal for homemakers and for owners of restaurants, bars and boats who would need a steady supply of both cold and hot water. This ergonomic product will keep everyone supplied with cool water to drinks and ice to mix with their drinks. They will also have hot water for making hot drinks such as coffee, chocolate and milk.
#2 NewAir AI-350S Dispenser Pros and Cons
This featured item is compact and does not require much floor space. NewAir AI-350S Water Dispenser can easily be replaced with a new full bottle or refilled with water from a water source. Aside from keeping the water cool, it also makes ice that can be used in mixing drinks or in making shakes and other cold deserts. It is safe for children because the faucet that dispenses hot water cannot be easily opened by children.
It also has a well-designed and attractive housing. However, the mount of water it can hold may not be enough for several people and replacement or several refilling may be needed for the whole day.
Why you should buy it
There are many reasons why you must buy this water dispenser. First, it is always convenient for you to have cold or hot water within your reach. All you have to do is turn a faucet and you will have what you need. Second, it has a faucet for hot water which cannot be easily opened by children. So, accidental scalding of young children is easily avoided. Third, aside from giving you access to hot and cold water all the time, it also makes ice. Thus, it can also serve your need for ice. You can readily have ice for making shakes and other desserts and for mixing with your drinks.
AI-350S Dispenser – Final Verdict
Your thirst will be quenched and your craving for hot drinks will always be satisfied by NewAir AI-350S Ice Maker & Water Dispenser all the time.
#3 Avanti WDP75 Dispenser Review – The Energy Saver
Avanti WDP75 Water Dispenser is an excellent addition to one's kitchen. Ithas a built-in energy saver which homemakers find very helpful, especially those who always have a limited budget for their household needs. This featured item is another product of Avanti, a company that has a reputation for making the best water dispensers and water dispensing facilities. With its white container, Avanti WDP75 looks as pristine as the water that it contains.
- saves energy because of its built-in energy saving device
- dispenses both cold and hot water
- safe hot water faucet to prevent accidental scalding especially of children
- saves space because of its compactness
- has white and clean-looking container
- has illuminated on/off switch for night use
- has LED light that indicates its functions
- has a dry storage for bottled drinks or milk cartons
- works without any noise
Who is it best for?
It is something that busy homemakers must have. They will save time in making cold and hot drinks for their family members and guests. People who operate restaurants and bars will also find this item a good addition to their existing water equipment.
Avanti WDP75 Dispenser Pros and Cons
The water dispenser has several positive qualities that make it a good buy for homemakers and others who always need to have cold and hot water. First, it has a built-in energy saving device that regulates its consumption of electricity. Hence, you need not fear that having it plugged on all the time could cause your electricity bill to go up. Second, it has cold and hot water faucets and the one that dispenses hot water has a safety device that will not allow it to be opened easily by children. This will prevent children from being scalded accidentally, which is the usual occurrence in some dispensers that do not observe safety precautions. Third, the LED light makes it easier for people to get water even at night, without disturbing the household by switching on the light. Lastly, its dry storage can be used for bottled drinks and milk or juices in cartoons as well as for drinking glasses and cups.
The only set back that has been observed is the smell that the water acquires from the container when used for the first time. However, after a few days of continuous usage, the odor disappears.
Why you should buy it
There are three reasons why you should purchase Avanti WDP75 Water Dispenser. First, this water dispensing gadget can give you hot or cold water anytime of the day. Hence, you don't need to spend time putting ice to the drinks you are going to serve or heating water for coffee, chocolate, milk, tea and other hot beverages. Second, it helps you save energy because it has an energy saving equipment within itself. Lastly, it is safe even for children to use because they could not easily open the faucet that dispenses hot water. This prevents them from accidentally hurting themselves.
WDP75 Dispenser – Final Verdict
Use this Water Dispenser and enjoy a big amount of savings from your monthly electricity bill.
#4 Clover D14A Review – Environment and Pocket Friendly
Clover D14A Hot and Cold Point of Use Water Dispenser is a device that will save you tons of money from paying for the plastic bottles that are used in ordinary water dispensers. With this featured product, there is no need for you to use bottled water. The contraption itself contains the water that it dispenses. It has two tanks that are filled with water from a direct source. One tank acts like a refrigerator and holds cold water while the other acts as a water heater and releases hot water. Clover D14A is another innovative product by Clover, a famous maker of water dispensers and water dispensing equipment. This tool is economical and environment friendly as well.
- has two tanks to hold hot and cold water instead of a bottle
- has fire proof tank for hot water to prevent its body from overheating
- has faucets that automatically close after each use
- does not make noise while operating
- gives safe hot and cold water that is safe from contamination
- helps the environment by reducing the use of plastics
- saves you money by eliminating plastic bottle containers which you pay for
Who is it best for?
Hot and cold water is essential to everybody's existence so D14A Water Dispenser will be very useful for everyone. Homemakers, students living away from home, restaurant and bar owners – all of them will find this device an important and necessary addition to their appliances and facilities.
Clover D14A Pros and Cons
The water dispenser simply possesses all the characteristics that everyone will be looking for when buying a water dispenser. First, it is very economical and environment friendly. There is no need to pay for bottles every time you need to replace an empty one. It also reduces the demand for plastic bottles, as well as the amount of plastic wastes that are junked in the environment. Second, the water is clean and safe because they come from your own water line. Lastly, you don't need to spend time replacing the water container and you are assured of an indefinite supply of hot and cold water. One setback may be is the possibility of overheating in case of wear and tear in the insulation. Also, there is a possibility that defective pipes may stop supplying water to the tanks without you knowing it.
Why you should buy it
Buying a Clover D14A will be highly beneficial to you and to the environment. It can save you a lot of money which you pay for the plastic bottle every time you replace one in your dispenser. Also, you reduce the amount of plastic bottles that are used and possibly junked later on. Also, it gives you hot and cold water that is free from any chemical reaction that could come from water stored in plastic containers for a prolonged period of time.
Clover D14A Hot and Cold Point of Use Water Dispenser – Final Verdict
With this Hot and Cold Point of Use Water Dispenser, you save money and you contribute to saving the environment.
#5 Vitapur VWD2636 Review – For Instant Hot Or Cold Water
Vitapur VWD2636BLK Countertop Water Cooler and Dispenser is an energy efficient water cooler and dispenser that assures you of cold or hot water anytime of the day. The featured item has been awarded an Energy Star rating for its low energy consumption.
This item by Vitapur, a leading manufacturer of home appliances and similar items, is an ideal addition to your kitchen or office. It can supply you with cold and hot water for all your daily needs. It is compactly built and can be placed on countertops where it is out of reach of small children.
Price and Features
This device is now sold by Amazon at $89.95 dollars. The water cooler and dispenser has the following features:
- can dispense hot, room temperature and cold water
- known for its energy saving quality
- has a stainless steel reservoir for hot water which makes the temperature remain high longer
- has a safety lock for hot water outlet to keep children safe from scalds or burns
- can fit in a countertop or table top
- it is compatible with several water bottle sizes and types
- less noisy compared to some competitors
Who is it for?
It is ideal for home and office use. It is very portable and does not require much space so you can just squeeze it in anywhere you think it's convenient. Homemakers who want to have a ready supply of hot or cold water for the needs of their family will find this product an excellent part of the kitchen appliance. Employers who want to give their employees safe drinking water and hot water for coffee or tea will also find this gadget a good contraption to be placed in the office.
Pros and Cons
There are several benefits that can be derived from Vitapur VWD2636. First, it saves a lot of energy that can be converted into cash spent for electricity bills. It is compact and does not require providing a space for its own use. It can easily be carried anywhere. While other water dispenser's supply only hot or cold water, this one can give water at room temperature. The hot water faucet is locked to make it safe for children. However, during the first weeks of use, the water could smell like burnt plastics. However, continues use makes this foul smell disappear.
Why you should buy it
There are several reasons for people to purchase it. First, it is an energy saver. It can fit in a small kitchen or office. Just clear a table top, a counter top or a low cabinet and you can put your water dispenser their. It uses Insta-Hot technology which allows you to heat water in an instant and only when you need it. The stainless steel tank for hot water also keeps whatever amount of water you heated at high temperature for a longer period of time.
With Vitapur VWD2636 BLK Countertop Water Cooler and Dispenser, you'll always be kept supplied with fresh, pure and cold or hot water or with one that has room temperature.
Features To Look Out For When Buying A Water Dispenser
With a combined dispenser as a choice you now need to know the exact features that will make it perfect for the job.
What are the heating and cooling capacities of the dispenser?
This is basically a question of how many liters can it heat or cool and to what degree. If the dispenser is for office or hospital purposes it should heat or cool the water at a rate that will serve the people at all times. 5 liters per hour up to 150 degrees, with a similar cooler to 30 degrees would be a good choice.
Does the dispenser have a built-in energy saver?
Given that water dispensers are powered electrically you need to find one that does not consume too much of it; to minimize your electricity bill costs. Along with the built-in energy saver you need to find one that consumes the least power with the best performance, 80 watts for example.
Does it have a storage compartment?
Your water cooler should have an inbuilt storage compartment for cups or tumblers and even canned soda if you like. This is basically for convenience so you don't have to keep going to the kitchen or storage cupboard somewhere to get yourself a cup.
Does it have separate faucets for each compartment?
If you are buying a combined one then it should have separate taps for both hot and cold water so you can easily access them.
What is the size?
This might look like a trivial issue but the size does matter. If you want to keep it in your kitchen or somewhere in the lounge, does it fit the space available? Or rather do you have the space for it? The shape also matters for those who love style. There are cylindrical and cuboid-shaped water dispensers so you can take the shape that impresses you more.
Procure your dispenser at the best prices
If you already have a budget price for your dispenser fear not because it doesn't stand in your way to your water dispenser. There are different brands with different prices for starters so you just have to look for the most affordable one. You should also look for coupons or specials while at it.


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Empowered Boost Testosterone -Male Enhancement Pills No Side Effects
- 1 Empowered Boost Reviews
- 2 What is Empowered Boost Testosterone?
- 3 What are the ingredients used in it?
- 4 How does Empowered Boost Testosterone works?
- 5 What are the benefits of this supplement?
- 6 Who are the right persons to use this supplement?
- 7 Are there any side-effects of using this supplement?
- 8 What are the precautionary measures that you need to take?
- 9 Where to get this supplement from?
Empowered Boost Reviews
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The users all over the world are very happy with their results and recommend it to every man who is having sexual issues. If you want to be one among them and want to enjoy the amazing benefits of Empowered Boost Testosterone, bring it into your life and witness the amazing changes.


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A Concise History of Sunnis and Shi'is by John McHugo
By John McHugo
Read Online or Download A Concise History of Sunnis and Shi'is PDF
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Extra info for A Concise History of Sunnis and Shi'is
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text: Introducing the Queens of ValleyCats! We are so pleased to have each and every one here with us. Each girl has there own unique traits and characteristics that distinguish themselves from one another. We are sure you will find a kitten you are looking for from these amazing girls! Click their pictures to view the individual galleries.


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Scabies is an infestation of the skin by mites (Sarcoptes scabei) that burrow into the upper layers of the skin, causing small, extremely itchy bumps.
Protective Blend, Topical Blend, Melaleuca, Peppermint
Rub on location.
Simple Solutions:
Blend 10 drops Protective Blend with 1 Tbs. (15 ml) fractionated coconut oil. Apply a small amount on location once or twice a day as needed.
The information on this page is from the book Modern Essentials: A
Contemporary Guide to the Therapeutic Use of Essential Oils, published
by AromaTools®. Please refer to Modern Essentials for additional
information, research, and usage suggestions.
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The Grace VanderWaal Signature Fender Ukulele gives an honest and even tone, rich of sound and history.
From hometown coffee shops as a pre-teen directly to one of America's largest stages on television, Grace VanderWaal's story is one decidedly outlined by modern standards. She won the 2016 season of America's Got Talent at just 12 years old and has gracefully parlayed it's $1,000,000 prize into a record deal with Columbia and millions of online followers. She is now the youngest signature artist in Fender's 72-year history and has used her new platform to advocate for better music education in schools through her Little Miracles Show Choir program and for women in general within the music industry.
The Look and Feel, and Sound
Her signature ukulele features Sapele wood top, back, and sides with a Nato wood neck and dyed Walnut fretboard. The concert-sized body uses fan bracing and a high gloss Dark Walnut finish. At first glance, the VanderWaal signature model appears effortlessly elegant, particularly for an instrument born out of a teenager's design. Its overall presentation was left relatively unembellished and has only a few striking ornaments to highlight the juxtaposition of old and new. The use of Sapele wood for the body is reminiscent of Martin's exemplary Mahogany ukuleles from the 1920s-1940s, while the gold sparkle sound hole rosette and gold colored hardware are modern but tasteful accents.
The unusual inclusion of Fender's iconic Telecaster headstock shape serves both aesthetic and stability purposes. Unlike the angled headstocks typically found on two-per-side ukulele headstocks (which are commonly connected via a scarf or diamond joint and thus, unfortunately, act as a precarious point of weakness for the instrument), the straight and recessed nature of the six-in-line Fender headstock on the VanderWaal model will be durable for everyone from bedroom players to touring musicians. Gold Kluson-style tuners beautifully round out the instrument's homage to vintage Fender guitars but seem to have the wrong tuning ratio for the job. They did not respond to minute tuning adjustments as effectively as players might hope and one might question their hardiness after many months of use. When considering the high standard of quality on the rest of instrument, however, perhaps the tuning gears can ultimately be overlooked or eventually replaced.
Much of the ukulele's tonal characteristics are derived from the all Sapele construction. Sapele is usually employed as a substitute for genuine Mahogany because it shares the same dark color and warm tone. While Sapele instruments might lack the distinct high-end sparkle of a Spruce-top, the Sapele used in the VanderWaal signature model has a deep and rich sound perfectly fit to accompany the vocal range of most women singer-songwriters.
Accessibility Within Shape and Size
Just like the violin family, ukuleles come in a varying spectrum of sizes. If island music was your first introduction to the ukulele as an instrument, your sonic memories most likely include the sweet and high-pitched tones of a soprano. But the small size is often a deterring factor for budding players. The decision to make this signature ukulele a concert size is a welcomed one – it will be equally comfortable to fret and to hold for musicians of all ages and even musicians transitioning to the ukulele from larger instruments. This broad accessibility may attract buyers who might not have considered purchasing a soprano or tenor model in its place.
Built For The Stage
In promotional material, Grace explains that making her signature model immediately "stage ready" was a top priority and Fender certainly came through on this promise. Even though nylon strings notoriously require additional time to break-in and settle before they consistently stay in tune, this instrument was favorably set up straight out of the box. The neck's flat radius was well matched with both the height of the saddle and the height of the bone nut, making fretting in first position just as easy as fretting towards the body. The Fishman Kula pickup system was also surprisingly balanced across its entire frequency range and required only minor adjustments when amplified through an acoustic amp or PA system. It is unfortunate (but true) that the proprietary electronics included on inexpensive acoustic-electronics instruments are usually their most inept features. The under-saddle piezo on the VanderWaal signature sounded both honest and even—an accurate representation of its acoustic tone, particularly for its price point that begins at $99.99. With an onboard tuner and classic three-band EQ located directly on the ukulele's preamp, the instrument is undoubtedly worthy of its "stage ready" description and perfect for players of all ukulele skill sets.
Grace VanderWaal herself is living proof that there are countless paths to stardom and success in today's music landscape. Although her rise to fame was dotted with chance encounters and television production crews, her hard work and innate talent have certainly carried her the rest of the way. As Fender's youngest signature artist in history, VanderWaal is a symbol that women musicians and women consumers are finally beginning to garner their fair share of acknowledgement within the industry. Women's voices can now be heard in nearly 50% of all new guitar sales and the Grace VanderWaal signature ukulele tells us that Fender, at least, is indeed listening.


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|| Telegram: Join @fztvseries
| Prodigal Son
Malcolm Bright, a disgraced former FBI profiler, is conveniently recruited to assist the NYPD on a case that hits a little too close to home.
| Pawn Stars
Rick Harrison and his family own and run a pawn shop on the Las Vegas strip. They buy, sell, and appraise items of historical value.
| Power
James "Ghost" St. Patrick, a wealthy New York night club owner who has it all, catering to the city's elite and dreaming big, lives a double life as a drug kingpin.
| Project Blue Book
The story of the real-life, U.S. Air Force-sponsored investigations into UFO-related phenomena from 1947-70.
| Penance 2020
The lives of grieving mother Rosalie and her daughter Maddie are changed forever when they meet Jed. A spark of hope for the future is rekindled within the household. But underneath, a deadly and morally corrupt triangle is taking shape.
| Project Runway
This season, as the fashion industry evolves, so does our runway with a new design aesthetic and additions to the judging panel: supermodel and entrepreneur Karlie Kloss joins as host with former Project Runway champion and celebrated CFDA fashion designer Christian Siriano as the mentor. ELLE Editor-in-Chief Nina Garcia returns as a judge, along with famed fashion designer Brandon Maxwell, and journalist and former Teen Vogue Editor-in-Chief Elaine Welteroth. The new look and feel continues with 16 new designers from across the United States and abroad who will compete for the coveted spot of a lifetime, a chance to show their collection during an exclusive runway show for industry insiders and influencers, as well as win the largest cash prize in the show's history. With an all-new runway and workroom furnished with sewing and embroidery machines by Brother, a glam room for the models outfitted by TRESemmé and Maybelline, along with challenges that embrace the nuances of the fashion industry—including flash sales, fast fashion, the inclusion of plus-size models, Instagram, a special Elton John challenge inspired by Paramount Pictures' Rocketman, and so much more. The runway game changes forever beginning now.
| Party of Five 2020
Party of Five follows the five Acosta children -- Emilio, Lucia, Beto, Valentina and baby Rafael -- as they navigate daily life struggles to survive as a family unit after their parents are suddenly deported to Mexico.
| Perfect Harmony
An Ivy League professor becomes the director of a rural church choir.
| Prison Break
Due to a political conspiracy, an innocent man is sent to death row and his only hope is his brother, who makes it his mission to deliberately get himself sent to the same prison in order to break the both of them out, from the inside.
| Pretty Little Liars The Perfectionists
Set in Beacon Heights, a seemingly perfect town, the series revolves around a group of three college friends who struggle with the stress of being overachievers. In the aftermath of the town's first murder, each Perfectionist hides behind a secret, a lie and an alibi.
| Penny Dreadful
Penny Dreadful is a frightening psychological thriller that weaves together the monsters of classic stories. The explorer Sir Malcolm Murray, American gunslinger Ethan Chandler, Miss Vanessa Ives and others unite to combat supernatural threats in Victorian London. They encounter some of literature's most terrifying characters, including Dr. Frankenstein, Dorian Gray, the Wolfman and iconic figures from the novel Dracula.
| Perception
Dr. Daniel Pierce is an eccentric neuropsychiatrist who uses his unique outlook to help the federal government solve complex criminal cases.
| Press
Press is set in the world of newspapers - its past riven by hacking scandals, its present at the mercy of the digital age and the 24 hour news cycle, its future uncertain.
| Public Morals
Set in the early 1960's in New York City's Public Morals Division, where cops walk the line between morality and criminality as the temptations that come from dealing with all kinds of vice can get the better of them.
| Poldark
Period drama series about the brooding rivalry between former soldier Ross Poldark and local industrialist George Warleggan, and the two women in their lives. Based on the books by Winston Graham.
| Pennyworth
The story of Alfred Pennyworth, a former special-forces officer living in London and working for Bruce Wayne's father.


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HUNTSVILLE, Ala. (AP) - A man accused of pulling a gun at an immigration rally in Alabama earlier this year has been convicted of menacing and reckless endangerment.
Al. com reported a judge in Huntsville convicted former high school teacher Shane Ryan Sealy on two charges Tuesday.
Judge Lonzo Robison sentenced Sealy to 160 days in jail and two years of probation.
Defense Attorney Joshua Graff said Sealy will appeal the conviction. Neither Graff nor Sealy would make any other comment.
Prosecutors say Sealy was arrested June 30 after pulling a Glock semi-automatic pistol during a Keep Families Together Rally in Huntsville. They say Sealy marched around the park holding a sign that said "ice, ice, baby," a phrase referring to Immigrations and Customs Enforcement.
An argument broke out between Sealy and several protesters.
Information from: The Huntsville Times, http://www.al.com/huntsville
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- Alabama white supremacist convicted on gun, ammo charges
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- Tennessee rallies to beat Alabama
- Man in Alabama convicted of killing girlfriend's toddler
- 3rd man convicted in 2013 Alabama burglary shooting death
- Man convicted in 2015 beating death of Alabama woman
- Man convicted of killing Alabama twins, their caretaker
- Alabama attorney convicted of robbery, attempted murder


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Diamonds and Dogs
Celgene (CELG) and the markets look good today. The biotech is jumping 10% after the company settled a patent dispute yesterday over its popular blood cancer drug, Revlimid. The settlement removes an overhang on Celgene shares pushing out the release of the generic competing drug giving Celgene more visibility in the next 10 years for Revlimid. Revlimid, a multiple myeloma treatment, is a major seller for Celgene making up about 63% or the $2.3 billion quarterly sales. One analyst upgraded the stock with a $145 price target.
Nike (NKE) reverses course. Nike jumped 3% to new all-time highs this morning following better than expected earnings, but following the opening, investors started selling the stock now down 2% for the day and down 4% from the morning highs on profit-taking. Nike remains on the offense, posting robust Q2 growth while still focusing on the upcoming pipeline. The 20% Futures growth (ex-f/x) was the strongest growth rate since late 2001. A number of analysts upgraded the stock, but for at least today investors were more focused on booking profits.


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No Restraint
Posted by Chic Aeon in design, iheartslFeed, new releases on Thursday, June 6, 2013
Sometimes I see new items out that are so exceptional even "I" can't resist. One of my favorite sets at the Sound Stages is the designer workshop. The dress form there was not only old style -- it was 26 prims (oh my). That convinced me that I really NEEDED this upgrade *wink*. It is superbly made and fits well in my goal of constant improvements.
Find the Lark - Vintage Dress Form (this is the light version) at The Box.
See the previous post for fashion details.
Skin: Akeruka Manuela Tan MK4
Poses by: Diesel Works
This entry was posted on Thursday, June 6, 2013 at 9:00 AM and is filed under design, iheartslFeed, new releases. You can follow any responses to this entry through the RSS 2.0. You can leave a response.


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We often fear conflict in the workplace because we've experienced the negative impact of poorly handled difficult situations.
When not handled well, conflict can absolutely take a heavy toll on individuals, teams, organizations, and even on our friends and family outside of the workplace. And it can result in lost time and energy, damaged relationships, and decreased productivity.
But if we set aside our past experiences for just a moment and take a look at a definition of conflict, it's actually quite neutral:
Conflict can be defined as a real or perceived difference between what is important to one person and what is important to someone else.
At work and in our lives, we cannot help but encounter differences in priorities, approaches, perceptions, and beliefs every day. However, conflict itself is not inherently good or bad, it's the way that it's handled that makes all the difference.
When handled well, conflict can actually have some very positive benefits, such as the development of new and creative solutions, better communication, and healthier relationships.
The question then becomes, how can we maximize the benefits of conflict in the workplace and minimize its negative impacts?
Mindset Eats Strategy for Breakfast When It Comes to Conflict
The most important place to start is your own mindset. As the saying goes, whether you believe you can or you can't, you're right.
If you believe that conflict is bad, then when a conflict occurs you'll be more likely to react from a fear-based perspective – i.e., in fight, flight, or freeze-mode. And your reaction will have an impact on how others respond to you. In essence, "When you're scared, you're scary." (Anonymous) This type of interaction will probably result in negative outcomes, which will then reinforce your belief that conflict is bad.
On the other hand, if you believe that conflict is normal and an opportunity for something positive to emerge, you'll be more likely to respond in a way that opens up communication – i.e., through personal reflection and dialogue. And this response will have a different impact (a more positive one) on the other people involved. This will increase the chances of there being a positive outcome to the situation and will reinforce your belief that conflict is normal and an opportunity.
Whether we like it or not, conflict will occur in our lives. It's kind of like death and taxes. So, given that it's inevitable, it's important for us to examine how we think of conflict so that we can view it in a way that will help create the outcomes we want.
Mindset is one of the first pieces that I work on with clients in my Coaching Program. Shifting out of those hard-wired fight, flight, and freeze reactions takes commitment, patience, and effort; however, once this piece starts to fall into place, the conflict resolution strategies that we cover in the program become exponentially more effective!
So take a moment and check your mindset.
- How do you currently view conflict?
- How would you like to think about conflict?
- How can you get into this mindset the next time you encounter a difficult situation in the workplace?
Wishing you happy reflections 🙂


text: In order to pace with the technology, we have developed a payment procedure that allows us to make safe and secure transactions. Also, our system is verified by authority. We are staffed with a team of deft professionals who diligently furnish varied requirements of the clients and ensure qualitative packaging of the placed orders. Our Wire Rope Slings have wider surface; hence, less pressure comes at the points of contact of the lifting object.


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Why I use ALL 4 FEET – ARTICLE BY CHARLIE HARDING
I first started hoof trimming in 1997 and left an invoice with details of the days work on the invoice.
In December 1998 I designed a spreadsheet to record hoof ailments and treatments that I would fill in while hoof trimming and leave on the farm when finished. This same sheet is still used today by a large number of hoof trimmers and UK DairyCo. It was simple to view and understand.
Not long after designing the sheet started inputting the recorded data on to a Excel document and posting a coloured report sheet with a customers invoice. I could save the data and use it to build up an inside to on farm problems then discuss on the next visit. This was fine at the time but very time consuming.
In 2001 I started looking into a computer that I could have on my chute where I could record directly onto an excel spreadsheet and soon decided that I needed a program to make it more simple.
Late 2002 I had built a Microsoft 95 version that I could store customers and a simple key board that you taped up to 4 times to score and ailment that worked similar to the spreadsheet we were giving the farmers. Over the next few years we upgraded the program to work better as well as change with the Microsoft XP system.
In 2008 we had the system now was exporting reports to our own Hoofman website where farmers could login with one username and password to view and print their own reports.
By 2013 I had become very aware that the report I made for many of the farmers was just for the purpose of farm assurance visit and was not making a difference to the farms we visited. The people that can make a change don't get to see my reports, vets and consultants and would take the trimmers advice to the farmer as no substance.
I needed a system that was
Easy and fast to use on farm when recording as time is money, Light to carry round the chute with long battery lift so no need for cables. Transfer reports quickly on farm so the farmer,herdsman,vet,consultant and nutritionist are notified that there has been a farm visit and a report is on line to view using the farm wifi or my phone data. I wanted to share my recordings with people that can make a change on farm as soon a possible.
I want to photo graph problems with cow I'd, date and limb watermarked in the photo to shock farmers/herdsmen, to view previous trimmings and treatments, to record welfare consensus for my insurance purposes, to let vets and consultants see the problems I am seeing. A photo can show so much more and history than any written report can.
I wanted a tablet that would alert me of a cow previously trimmed in the last 3 month or trimmed by someone else using the same system either hoof trimmer from the same company or herdsman
I wanted a system that a farmer or any of his team can research on line consensus they have regarding hoof health, cows history, total treatments and ailments over a set period, see simple graphs that shock
I wanted better data protection and the ability to control and monitor who has and when access to the farm reports.
I wanted a system that was designed for a hoof trimmer but was valuable others that in turn promote and sells my business.
After a number of meeting with different computer software company's I met Joe form Roundsoftwear who had that forward view on everything and was thinking outside the box and was honest. We started on a mobility scoring app as a trial and then started on a hoof recording system for the Hoofman team. Mid 2015 we got our first Android tablet to use and it was basic but worked.
About the same time another trimmer saw it and wanted to purchase the system and that's when All4feet was started.
No one recording system suits every hoof trimmers like no one hoof trimming chute suits every hoof trimmer.
All4feet is designed for the future hoof trimming business managing and monitoring hoof health that will be paper free, data rich and safe data storage. For the hoof trimmer that wants to record at speed and share recording and work within a team of consultants. All4feet is a program that will move forward with the industry and technology.
Ultimately the program is being designed for Cattle Hoof Trimming Companies to manage customers herds with the ability process and allocate cows to diary booked trimming visits. The hoof trimmer will have, in the future, the ability to set routine trimming on individual farms to what best suits the farm system i.e. post and pre-calving trims as well as requesting animal rechecks from previous visits. Animal lists will be automatically being mailed 48 hours before the visit. Animals not seen on a visit will be moved to the next visit date and the trimmer only having the ability to take animals off the list. There is the option to have a farmers tablet with the option to record mobility scoring. These tablets are managed by the hoof trimmer as if an employee of the hoof trimmer with the only difference being that the farmer can only view his own details on the tablet otherwise the tablet is identical to the hoof trimmers tablet program.
This is an affordable service that the Hoofman can provide our customers, sharing this information with all farm consultants can only improve the management of the customers' business and animal welfare. Milk buyers are looking very favourably at this system having external companies managing lameness, is a positive move forward. Ultimately this program has specifically designed for hoof trimmers to record detailed information easily in a short amount of time which in turn increase throughput on farm and reduces paperwork. The All4feet cattle hoof trimmers management system is the first of its kind using the internet to manage a farm mobility and lameness management system that is owned and operated by The Hoofman that are dedicated to animal welfare and mobility.


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Join the battle to end hunger in the UK
Universal Credit should be fighting poverty, not forcing people to use food banks.
Everyone who applies for Universal Credit has to wait at least five weeks for a first payment – and some people wait longer.
This is leaving many people without enough money to cover the basics. Buying food, for example.
There are other problems with Universal Credit, but the five-week wait is one of the key reasons why food banks like those run by the Trussell Trust have seen a rise in people needing food banks where it has been rolled out.
One of the things Amber Rudd, the Secretary of State for Work and Pensions, said when asked about the five-week wait for the first Universal Credit payment was "I don't want people to have to go to food banks."
That is why the Department for Work and Pensions (DWP) offers 'Advance Payments' to those struggling with the wait.
But because these 'Advance Payments' have to be repaid, they leave people between a rock and a hard place: no money now or not enough money later?
And that is why from July 2020 some benefits under the old system will carry on being paid for two weeks when you transfer over to Universal Credit.
But this still leaves a three-week gap, and, in the meantime, 1.6 million people are expected to move onto the new system without this support.
So people may still be forced to go to food banks as a result.
This is clearly not right.
The Trussell Trust's new campaign is asking everyone who thinks five weeks is too long to join together with food banks, charities, faith and community groups, and show how damaging the wait is and demand change from Amber Rudd and her colleagues in the government.
Sign up now to join the campaign.
Join #5WeeksTooLong – here's how you can help end the five-week wait for Universal Credit:
1 – Ask everyone who thinks five weeks is too long to join the campaign.
2 – Show politicians of all parties how damaging the wait is and get them to back the campaign.
3 – Together with other campaigners, food banks, charities, and faith and community groups, you'll convince the government to end the wait.
The Trussell Trust will be doing more in the coming weeks to build pressure and make change, so sign up now and get involved…
Find out more on their website.
A recent report by the think-tank Joseph Rowntree Foundation (JrF) has found that once the roll-out of Universal Credit is complete, 10.7 million people in "out of work families", will be worse off. The report does say that 12.9 million in work, will benefit but, why are the most vulnerable taking the hit yet again? https://universalcreditsuffer.com/2019/02/27/jrf-10-7-million-people-will-be-worse-off-on-universal-credit/


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Mix Colour Roses Arrangement
Rs. 764
Best price right now
- Brand: Gift Across India
- Type: Special Flower Arrangement
- Includes: Basket Arrangement of 25 Mix Colour Roses.
- Disclaimer 1 : Orders can be placed on or before 2:00 pm IST/GMT +5:30 on the mentioned date
- Disclaimer 2: Orders will be delivered between 10 AM to 7 PM on the specified date
- Disclaimer3: Please note order shall be considered as executed in the following cases: 1. Wrong Shipping/Delivery Address 2. Recipient not available 3. Premises locked
- Disclaimer 4: Delivery will also be done on Sundays and on National Holidays
- Disclaimer 5: The image displayed is indicative in nature
- Disclaimer 6: Actual product may vary in shape or design as per availability
- Disclaimer 6: Please note that flowers, cakes and other perishable products are sourced locally at the delivery location and are hand delivered
- Product Code: GAIFFB030
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Nikolaj Storm Copenhagen is a young streetwear brand, founded by Nikolaj Storm and based in the beautiful Capital of Denmark - Copenhagen. With a long background in the Danish fashion industry working with various brands and a Master degree from the Royal Danish Academy of Fine Arts - Nikolaj Storm represents an eclectic style of menswear with focus on storytelling, prints and handpicked materials.
Nikolaj Storm CPH is colorful, bold clothing made for people who dare to be free. People who dare to use colors. People who dare to be themselves. The clothes are made with the male gender in mind, but clothes are for everyone, so all collections are unisex. Females should choose a size smaller than usual or check sizing for more precise representation of the style.


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In the last several weeks we have witnessed Congress bitterly debate different portions of the jobs bill. But last night, on the eve of Veterans Day, a portion of the bill that would grant tax breaks to businesses who hire unemployed veterans passed unanimously in the Senate, 95-0. This is a good start, but we will need more than tax breaks and some modest job training funds to ensure our veterans get the homecoming they deserve. Two weeks ago the country breathed a sigh of relief when it was announced that our troops would be brought home from Iraq in time to celebrate the holidays with their friends and family. Van Jones called on Congress and the President to bring veterans home to 100% employment in honor of their brave service to the American people. May we take this day to reflect on the sacrifices our veterans have made and what this country can and should offer them in return.Read part of the veteran jobs bill in Washington Post below:
On the eve of Veterans Day, the Senate approved new measures to help unemployed former service members, advancing a modest piece of President Obama's $447 billion jobs package with rare bipartisan support.
The bill, approved Thursday by a vote of 95 to 0, would extend tax credits to businesses that hire unemployed veterans. It would also provide new dollars for retraining older unemployed veterans for high-demand fields and includes programs designed to make it easier to get civilian certifications for military training.
The vote came after weeks of partisan sniping over the president's jobs plan. The Senate held doomed votes on the package as a whole and then on pieces of the proposal that had drawn strong Republican opposition, while Obama barnstormed the country slamming the GOP for its obstinacy.
But lawmakers in both parties said the veterans vote showed that Washington is still able to rally around the troops and reach some bipartisan agreement.For the full article, click here.


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Welcome to LibreTime
LibreTime makes it easy to run your own online or terrestrial radio station. Check out some features and screenshots, then install it and start broadcasting!
LibreTime is Free/Libre and Open Source Software (FLOSS). Among other things, this means that you have the freedom to:
- Run it royalty-free for as long as you like.
- Read and alter the code that makes it work (or hire someone to do this for you!)
- Contribute documentation, bug-fixes, etc. so that everyone in the community benefits.
LibreTime is a fork of AirTime due to stalled development of the FLOSS version. For background on this, see this open letter to the Airtime community.
If you are end-user of an already installed LibreTime instance we have a number of tutorials that can help you learn how to use the software.
We also have how-to guides that contain step-by-step instructions for various common tasks.
There are currently no companies offering turn-key LibreTime hosting so if you are interested in running it you will need to have some familiarity with running a linux server. You can always reach out to help from the community at our forum. You can also join our Mattermost instance and talk with other developers and users.
Getting Started (for Developers and Admins)
The easiest way to check out LibreTime for yourself is to run a local instance in a virtual machine. Assuming you already have Git, Vagrant and Virtualbox installed, just run:
git clone https://github.com/libretime/libretime.git
cd libretime
vagrant up ubuntu-bionic
If everything works out, you will find LibreTime on port 8080, icecast on port 8000 and the docs on port 8888.
Of course, this setup isn't appropriate for production use. For that, check out our installation instructions. More information on the vagrant setup are in the docs.


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- About Lumizyme
- Treating Patients
- Resources
- Product Support
- Patients & Families
Treatment with Lumizyme® (alglucosidase alfa) is eligible for reimbursement under most major commercial insurance plans as well as the Medicare and Medicaid programs. In this section you'll find a list of current Lumizyme billing codes, claim forms and sample letters, plus other information to help you successfully bill and obtain reimbursement from different payers.
In many cases, physicians must obtain prior authorization for Lumizyme treatment, and insurers often require physicians to document the patient's medical necessity before approving coverage. You may also need to obtain written confirmation of coverage from the insurer before beginning treatment.
Billing for reimbursement for Lumizyme therapy requires using the appropriate codes. The Center for Medicare and Medicaid Services has not yet assigned a permanent HCPCS code (commonly used by many payers) to Lumizyme, although temporary biologic J-codes are available, and their use may streamline the reimbursement process.
However, billing procedures vary from plan to plan, so you are advised to carefully review each patient's coverage, and when necessary check with the payer about its billing requirements, before initiating treatment. Keep in mind that you may need different claim forms depending on whether the patient receives treatment in a physician's office or outpatient setting.
The following table lists the most commonly used codes when filing claims for reimbursement for Lumizyme® (alglucosidase alfa) treatment:
E74.02 – Pompe Disease
NDC 58468-0160-1 (Carton of one single-use vial)
NDC 58468-0160-2 (Carton of ten single-use vials)
J0221 – Injection, alglucosidase alfa (Lumizyme), 10 MG
96365 – Intravenous infusion therapy, prophylaxis,
260 – General IV therapy service
Following are definitions of the different types of coding systems used to classify and identify medical conditions and prescription medications.
This page is for informational purposes only and is subject to change. Healthcare professionals are responsible for complying with reimbursement related rules and regulations. Providers are also responsible for the accuracy of any claims, invoices, and related documentation submitted to payers.
LUMIZYME® (alglucosidase alfa) is a hydrolytic lysosomal glycogen-specific enzyme indicated for patients with Pompe disease (GAA deficiency).
WARNING: Risk of anaphylaxis, hypersensitivity and immune-mediated reactions, and risk of cardiorespiratory failure
Anaphylaxis and Hypersensitivity Reactions: Life-threatening anaphylaxis and hypersensitivity reactions have been observed in some patients during and after treatment with alglucosidase alfa. If anaphylaxis or severe hypersensitivity reactions occur, immediately discontinue infusion and institute appropriate medical treatment. Appropriate medical support and monitoring measures should be available during infusion.
Immune-Mediated Reactions: Monitor patients for the development of systemic immune-mediated reactions involving skin and other organs.
Risk of Acute Cardiorespiratory Failure: Patients with acute underlying respiratory illness and compromised cardiac and/or respiratory function may be at risk of acute cardiorespiratory failure. Caution should be exercised when administering alglucosidase alfa to patients susceptible to fluid volume overload. Appropriate medical support and monitoring measures should be available during infusion and some patients may require longer observation times.
Risk of Cardiac Arrhythmia and Sudden Cardiac Death during General Anesthesia for Central Venous Catheter Placement: Caution should be used when administering general anesthesia for the placement of a central venous catheter intended for alglucosidase alfa infusion.
Risk of Antibody Development: As with all therapeutic proteins, there is potential for immunogenicity. There is some evidence to suggest that some patients who develop high and sustained IgG antibody titers may experience reduced clinical efficacy. Patients should be monitored for IgG antibody formation every 3 months for 2 years and then annually thereafter.
The most frequently reported adverse reactions (≥ 5%) in clinical trials were hypersensitivity reactions and included: anaphylaxis, rash, pyrexia, flushing/feeling hot, urticaria, headache, hyperhidrosis, nausea, cough, decreased oxygen saturation, tachycardia, tachypnea, chest discomfort, dizziness, muscle twitching, agitation, cyanosis, erythema, hypertension/increased blood pressure, pallor, rigors, tremor, vomiting, fatigue, and myalgia.
Pregnancy: Based on animal data, alglucosidase alfa may cause fetal harm.
Please see the Full Prescribing Information for complete details, including boxed WARNING.


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Carver County, MNHome Menu
Non-Motorized Facilities Inventory Study
Study Background | Study Goals and Methodology | Study Results
Study Background |
Over the years, the non-motorized modes of transportation of walking and biking have declined. This trend has increased the inactivity of the population, roadway congestion and pollution levels. Often, the lack of non-motorized transportation is due to insufficient infrastructure, including system gaps, barriers and safety hazards.
Carver County has taken the initiative to complete an assessment of their roadway system, to identify the deficiencies for non-motorized modes of transportation. To thoroughly assess safety problems for biking and walking along their roadway facilities, many factors were reviewed, including crash patterns, vehicle speeds, sight distance/visibility, pedestrian exposure to vehicular traffic, and trails, sidewalk and roadway shoulder.
Study Goals and Methodology |
The purpose of the study was to complete an assessment of the non-motorized facilities along Carver County roadways to identify gaps and barriers for pedestrians and bicyclists to access high priority areas, including schools and transit facilities. Based on the assessment results, gaps and barriers were identified that are limiting the ability to walk or bike along these facilities.
These gaps and barriers were identified by applying the following safety criteria to these County roadway facilities for pedestrians and bicyclists:
Traffic volumes >400 average daily traffic (ADT) | Based on the MnMUTCD, roadways with an ADT <400 are defined as a low-volume, which can generally accommodate shared modes of transportation. As traffic volumes increase, it becomes more important to provide a separate space for bikes and pedestrians to travel. Roadways with higher traffic volumes were identified.
Traffic speed ≥ 40 mph | Speed is a major factor in crashes. A pedestrian hit at 40 mph has an 85% chance of being killed, opposed to a person hit at 20 mph, who has a 5% percent chance of being killed. Roadways with> 50% of the segment with a speed limit >40 mph were identified.
Lighting at major intersections | The visibility of pedestrians and bicyclists is based on a number of factors, including: screening by physical objects; lack of lighting, and roadway geometry. Major intersections without lighting were identified.
Three or four-lane undivided roadway | The number of lanes that pedestrians and bikes need to cross affects their safety. Studies have shown that the number of lanes (3+ vs. 2 lanes) are related to crash rates. Also, multi-lane roads with raised medians have lower ped crash rates, compared to roads with no raised median. Roadways that have 3+ lanes and no median were identified.
History of pedestrian/bicycle crashes | 5 years of crash data ('05-'09) in Carver County was reviewed to identify locations with ped or bike crashes.
Traffic control at major intersections | Traffic control at major intersections can (although not always) provide safety benefits for pedestrians and bicyclists by providing gaps and stopping the traffic flow. Major intersections lacking traffic control were identified.
Marked crosswalks | Marked crosswalks can increase visibility and identify preferred crossing locations, particularly at mid-block locations. Crosswalks also have a greater function near high pedestrian generator locations, such as schools and transit facilities. Locations where a marked crosswalk may improve safety and has not installed were identified.
Non-motorized facilities (trails, sidewalks, six-foot shoulder) | Pedestrian and bike facilities include; trails, sidewalk and usable shoulders provide a dedicated space within the roadway right-of-way. County roadways lacking these facilities were identified as a safety issue.
Produced by Carver County
July 2011
Download Report (No appendices)
Download Appendix A - School Study Area Maps
Download Appendix B - Transit Study Area Maps
Download Appendix C - Crash Data
Download Individual School Study Maps ↓
Need more data? If you need additional data or have questions about this report, please contact Carver County Planning & Water Management Department at 952-361-1829.


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Snapchat has turned out to be one of the most successful apps on the Google Play Store. The app is popular because it is unique. Other messaging apps let you send pictures and text messages. Snapchat allows users to set an expiry time for the pictures before sharing them with others. Once your friend sees the picture, the app will automatically delete the photo after some time.
You identify people by their username in Snapchat. As people use this application to make new friends, it is important that you choose the right username. Here we have shared the three of the best tools with which you can easily get ideas for your Snapchat username.
Best Snapchat username generators for 2016
Sexy Name generator: SNG is my favorite tool. It generates a random never heard before name which is ideal for Snapchat. Click here to open this site. You will now see a web page with two fields for entering the first and last name. You will also find a checkbox to select the gender i.e. male or female. Fill these two fields, choose your gender, and click submit button. The website will now show an interesting username for your Snapchat profile.
BT Names: BT is a website that allows you to generate a Snapchat username for impressing people from certain countries. For example, BT makes you aware of French, Arabic equivalent of your name. If you want to be found by a French, Arabic, Japanese, Brazilian, Argentinian, Dutch, British girl/guy on Snapchat, you will find the BTN website useful. Visit this site.
Also see: BEST DATING APPS [HOTTEST GIRLS AND MALE PROFILES]
SPNG: If you searching for a tool to generate a naughty username, then SPNG is the ultimate tool. How to use this tool:
- Open this portal in your browser.
- Pick your gender (Girl or Boy).
- Enter your desired name in the big text box.
- Click on the big red button.
Loved the name? Set it as your Snapchat profile username.
Conclusion: Finding the perfect Snapchat username is an easy task with the above tools. Have you tried them? If not, then what are you waiting for?
Must Read: Trick for Using Two WhatsApp or Snapchat accounts on the same phone


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LONDON, Aug 31 (TNS): "There will be no justice till Pervez Musharraf is made answerable for his crimes," Asefa Bhutto Zardari, daughter of former Prime Minister Benazir Bhutto tweeted in reaction to the verdict in the murder case of her mother.
The former prime minister's daughter further said that justice was still awaited even after 10 years and while abettors had been punished, those guilty of Benazir's murder roamed free.
Assefa's elder sister Bakhtawar Bhutto Zardari also called for the arrest of Pervez Musharraf.
After nearly ten years, on Thursday an Anti-Terrorism Court (ATC) announced the verdict in the murder case of former Prime Minister Benazir Bhutto.
Former military dictator General (retd) Pervez Musharraf was declared an absconder in the case and the ATC ordered the seizure of his property.
Five accused in the case were acquitted while two former policemen Saud Aziz, who was the police chief in Rawalpindi at the time of Bhutto's assassination, and former Rawal Town SP Khurram Shahzad, were sentenced to 17 years each and ordered to pay a fine of Rs0.5 million each.