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About Me
Are you overwhelmed? Is stress and worry impacting your life? How are you sleeping? Do past hurts, traumas, and broken relationships keep you woke at night? Are you misunderstood and judged, is your best not good enough? Do you long for relief from the pain of a broken heart? Well carrying the weight of unresolved issues has a negative impact on your present and your future. The hurt that's embedded deep in your heart may manifest in many ways such as anger, depression, isolation, anxiety, broken relationships, poor parenting, eating disorders, substance abuse, and much more. It's okay to seek help you're not weak; you're human.
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I welcome the opportunity to incorporate Christian faith into the therapeutic process. I am a firm believer in the power of God to heal broken hearts, confused minds and past trauma. As I mentioned earlier my career is a call to serve and I draw my strength, wisdom, and my insight into the hearts of the people I serve directly from God. I have been a believer all of my life. I am the daughter, granddaughter, and sister of ministers of the Gospel; born and raised in the word of God. I am a vessel committed to being used by God to minister to his people through the healing arts.
Educational and Professional
Masters Degree in Clinical Social Work Administration from The University of Chicago (2002)
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Take action against Churuti - July 28, editorial
The position taken by the editorial board against Pinellas County Attorney Susan Churuti is based on incorrect or misunderstood information. The first and most important correction to your assertions, is that Susan Churuti never represented Property Appraiser Jim Smith personally in any action against the county, or in furtherance of the sale to the county of his property in the Tarpon Woods area.
Pursuant to the Pinellas County charter section 4.02 (c) the county attorney is responsible for the representation of the board of county commissioners and constitutional officers in matters relating to their official responsibilities. Thus, when the county received a letter from Jim Helinger, Esq., on behalf of Jim Smith, outlining damage done by the county to the piece of property in the Tarpon Woods area, Ms. Churuti was required under the rules of professional conduct of the Florida Bar, to inform her clients that a conflict would arise if litigation resulted between the parties as to whether the county was liable for the damages. Churuti clearly states in her letters on March 19 to Ronnie Duncan and Jim Smith, that she represents both the Board of County Commissioners and the property appraiser "in their official capacities" and if the parties were to move into litigation in this matter it would result in her immediate withdrawal and a requirement that both sides would need separate counsel outside the county attorney's office. The assertion that Susan Churuti represented Property Appraiser Jim Smith as an individual in this matter is wrong!
Since Ms. Churuti did not represent Jim Smith individually in this matter the remainder of the allegations by the St. Petersburg Times against Ms. Churuti are wrong!
The county handled Jim Smith's claim as it would have handled any claim made by a property owner when the county illegally enters and damages private property. Even though Jim Helinger did not handle the matter on behalf of Jim Smith after the initial letter, he indicates that the case of liability against the county was a "slam dunk." Once liability was established, then the only issue was value. Susan Churuti had nothing to do with the appraisal process or the negotiations for the purchase of the property by the county. The fact is the county avoided litigation in this matter, where there was clear liability, and saved the Pinellas County taxpayers a lot of money.
Susan Churuti has well represented Pinellas County as the county attorney for more than 20 years. She is gratefully accepting Pinellas-Pasco State Attorney Bernie McCabe's invitation to appear in front of the grand jury without a subpoena. We are confident that after a full investigation Susan Churuti will be exonerated of any alleged impropriety of any kind. We look forward to the resolution of this matter in front of the grand jury.
Debora Moss, Esq., Law Offices of Carlson and Meissner, attorneys for Susan Churuti, Clearwater
Commissioners asked questions about Smith land deal
Your editorial details serious allegations of impropriety which are the subject of an ongoing grand jury investigation. I am confident that the investigation will provide a definitive, unbiased record of what actually occurred in the Jim Smith property acquisition. I agree with your editorial premise that regardless of the outcome of that investigation, the County Commission has a responsibility to take appropriate actions to maintain the public trust in county government, and the integrity of the relationship between the commission and our chief legal adviser.
The Times, however, also has a responsibility to report accurately. Your editorial states that the commission approved the transaction "without a single question." Moreover, your news reports on this issue have repeated that misleading implication several times. Nothing could be further from the truth. I asked several questions of the county administrator during multiple agenda briefings preceding the transaction, particularly:
1. Is there a legitimate public purpose for acquiring the land?
2. Are we paying a fair market price for the land, based on an outside appraisal?
3. Are we liable for the alleged damage to the property, resulting from our post-hurricane flood mitigation work?
4. Is this an arm's-length transaction, in which Property Appraiser Jim Smith will receive the same treatment as any other property owner whose land is being purchased by the county for flood control, road construction or any other public purpose?
Those are just a few of the questions that I posed to our county administrator over the course of several of our briefings. I have no doubt that my colleagues asked the same type of questions during their individual agenda briefings. The public should know that in fact questions were asked by the commission. Unfortunately the lack of full disclosure of roles, relationships and circumstances tainted the decisionmaking value of the answers provided to the commission. In my opinion, it is our responsibility to make sure that scenario is never repeated.
Kenneth T. Welch, Pinellas County commissioner, District 7, Clearwater
Cities on tax cuts: No thanks July 28, story
Save homes before saving programs
After reading this article, I was sputtering sparks and fumes so bad at 6 a.m. I had to go for a jog. I think I live in a democracy were the people had a right to vote and choose what they preferred to take place without any overrule. I never knew there was such a thing as a majority overrule. I am looking forward to voting for the super homestead exemption in January. I'm sure a few other homeowners are too.
I ask myself: What program could possibly be more important than saving your home? Every street I go down has several homes for sale. It's frightening that people are pushed to that point. The article mentioned a program for at-risk kids. I love kids. Saving the home for them is first and foremost. What endangered quality-of-life issue is more important than losing your home? People would not be on the street if they could keep their homes.
To me, keeping your home is the most important program for a family to have. They should have peace of mind that no one can override them with a supermajority vote. I hope the public gets involved in this issue. Otherwise if it's left to the officials we will have programs and no homes.
Judy Mohrman, St. Petersburg
Culture crisis - July 26, Floridian story
Why target arts?
Thank you, John Fleming, for an excellent article. Why are the arts always the first thing politicos want to cut? Are they all rednecks or backwoods types? It seems that is what they want us to regress to by cutting the arts.
Once, Americans flocked to Europe for the arts, the music, the architecture. We have finally come of age and can boast of our own culture. St. Petersburg can be proud of all its offerings. Pinellas County can be proud of the arts promoted in the schools.
Can anyone quickly name the great athletes of the eras before 1900? Most everyone is at least familiar with Bach, Beethoven, Brahms, Shakespeare, Moliere, Van Gogh, Rembrandt, Da Vinci and scores of others.
Joanne Willis, St. Petersburg
Worth less but taxed more July 27, story
Scare story
There's nothing like scaring homeowners again with this article. Nowhere do you tell them that on their tax bill coming out this year is a 7 percent rollback on their property taxes in Pinellas County and 5 percent in Hillsborough.
In the January election, voters can vote for the new amendment that will give the homeowners a choice to continue with the Save Our Homes cap or choose the super homestead exemption. This super exemption is 75 percent of the first $200,000 of a home's value and 15 percent of the next $300,000.
Every homestead receives at least a $50,000 exemption. The maximum homestead exemption would be $195,000.
Stop scaring the public!
Iris Waggener, Tampa

subset: commoncrawl


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The city was first settled in during the Stone Age, later the Celts named it Radasbona and in the year 90 A. Visit The Old Stone Bridge The 16 arched old stone bridge is a masterpiece of medieval engineering. It was built in only 11 years from 1135-46. Bonus: Take a Day Trip to Weltenburg Abbey Because I had a little time to spare during the trip, I also managed to take a day trip to. The East Tower of the Porta Praetoria is an example that can still be seen — this was part of the entrance to the legionary camp where there were two massive towers.Next
The current building dates from the 17 th century but there is clear evidence for the previous restaurants on the spot. You can also see an Eselstrum tower — this is to the north of the cathedral and was built to move construction material, a job it still helps with even today. Here are 5 must dos in Regensburg, Germany! This happened when it was rebuilt and the whole building moved a little to the south-west, leaving the cloister at its original location. Porta Praetoria was the north facing gate and was discovered in 1885 during renovation work. What did you think of the 5 must dos in Regensburg, Germany? The original south and middle towers were built around 1300 and the chapel of St Margaret was beside the south one. . I visited Regensburg while on a.Next
Many parts of the Roman walls and buildings can be spotted around the city and incorporated into more modern buildings. This fortified town is roughly the area now known as the Old City or Altstadt. To get great pictures of the bridge I suggest you cross the bridge and go down to the island of Oberer Wohrd. Some of the interesting features about the cathedral include that it is separated from its older cloister. There are also some stunning stained glass windows around the building, many of which date from the 1220s and 1370s. The tower is now a great spot to get views across the city as well as along the Danube.Next
Later workers from the cathedral project came for their meals. This is a Benedictine monastery near Weltenburg, sitting on the banks of the Danube. There were some later additions such as Baroque frescoes commissioned by Ludwig I of Bavaria and a major restoration project took place just after the turn of the millennium. Dedicated to St Peter, it is one of the top places to visit in the city and is a perfect example of Gothic architecture. Oldest Sausage House Regensburg has another claim to fame that will interest food fans — it is the site one of the oldest continuously open public restaurants in the world. Views from the Tower One of the best ways to see any city is from up high and I had the chance to climb the clock tower that stands at the south end of the bridge. Some of those are the Augustus Bridge in Dresden and the Judith bridge in Prague.Next
The rebuilding saw the magnificent Gothic building that I visited. During the reign of Marcus Aurelius around the year 179 A. D the Romans built a fort here. It was said to have been founded by Agilus and Eustace of Luxueil, students of Columbanus and became Benedictine in the early 8 th century. The north tower was originally heavily fortified and had a drawbridge but it was damaged during the Napoleonic Wars in 1809. The abbey has its own brewery, said to be one of the oldest monastic breweries in the world, operating since 1050 and there is now a restaurant on the site with amazing views across the river, offering a traditional Bavarian menu.Next
In fact, the arches had served as a city gate right up until the 17 th century. It was constructed in the 12 th century and crosses the Danube river. The cathedral has seen some damage over the centuries and was burnt down twice during the late 1100s. Throughout history many important figures have used the bridge to cross the Danube. The monastery was founded back in 620 and is said to be the oldest in Bavaria. Both the south and middle towers were destroyed in the 1600s and when the south tower was rebuilt, a clock was added.Next
Originally, the Stone Bridge had three towers — north, middle and south. For 800 years it was the sole bridge of Regensburg until the 1930s when they built the Nibelungen Bridge. From there you can walk to Am Beschlacht street get great views of the old town of Regensburg and the old stone bridge. It opens daily from 8am to 7pm and serves around 6,000 sausages a day including regional specialties. When you walk through Regensburg you walk through history. It is also the seat of dioceses of Regensburg and has a consideration history.Next


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Gold Eyerings Necklace
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August 15th, 2015
for Breakfast
Love german salad
By Luna
6:23 pm, August 15th, 2015
Love german salad
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On Tuesday, May 19, 2020 Olive Vest passed away at the age of 90 years.
Olive is survived by her children: Arlene (Ron), Ken (Doreen), Rick (Cindy), Clayton (Anita), Craig (Lila); 13 grandchildren; 20 great grandchildren as well as numerous relatives and friends.
She was predeceased by her spouse, Hans in 2016 and her first husband, George in 1967.
Olive enjoyed arts and crafts and especially enjoyed spending her time with her grandchildren. She will be dearly missed.
Due to Covid 19 restrictions, a Private Family Service will be held. Loved ones will be able to view the service via the livestream at the link provided above.
The family wishes to send a special thank you to the staff at River Ridge for their care and compassion for Olive while she was there.


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Long Term Relief Fund Chairperson Alexis Ferracuti says a recovery the experts said would take three or four years is on track to take just a year-and-a-half. So far, she has helped oversee $291,000 in spending from $301,000 in donations for Naplate-Ottawa tornado relief.
Ferracuti estimates it'll take another $25,000 to finish recovery spending in about six months. Donations are still being accepted at www.srccf.org. Or call the Peter Ferracuti Law Firm at 815-434-3535
Naplate Fire Chief John Nevins credits Naplate's quick recovery to the late Mayor Jim Rick.
One moment of silence at the anniversary gathering in Naplate last night was for Rick. Another was for Wayne Tuntland and his son-in-law D.J. Johnson, who were killed when the tornado knocked over a tree on Ottawa's south side. Dave Johnson, Sr. recalled it.
D.J. Johnson was Brianna Laura's uncle.
Johnson's husband Toby Tuntland survived.
A monument commemorating the coming together of two communities will be placed soon on the Ottawa-Naplate boundary.


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Traditional napolitana sauce with basil and garlic (v)(vr)(dr)(gr)
Home-made beef Bolognese with napolitana sauce (dr)(gr)
Mushrooms, roasted capsicum, roasted eggplant, kalamata olives, sun-dried tomatoes and onion in a napolitana sauce (v)(vr)(dr)(gr)
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Upon arrival we could see the new seating plan for Social Distancing. The whole experience during the meal was perfect. The staff were brilliant and the food excellent and very filling. Perfect evening.
Our first visit and certainly not our last. Warm, friendly and efficient service- special shoutout to Manager/Owner Jemma for looking after us with her team. My husband and I shared a cheesy garlic pizza for starter. Then I had fettuccine Alfredo and my husband had spaghetti Marinara with olive oil and garlic- both delicious. Byo.
Delightful and helpful staff- all of them. Great meal and nice to see the meats come with vegetables unlike many places. Good selection of meals.
Excellent food. One entree wasn't served with the other entrees, so they didn't charge us for it but brought it out with the mains. All good! Very pleasant evening.
This italian restaurant was a great little find. Service was nice without trying too hard, the location was nice and the pasta dishes were fresh, tasty and good portion sizes. The Chef John (also the owner I think) came to our table to ask how our meals were which was a nice touch. Will be back again.
The food and service was excellent, the restaurant a bit hot could do with air conditioning but then I am from Perth and everywhere has air conditioning there.
This restaurant has an extensive menu that can accommodate almost everyone. Friendly service, nice atmosphere and fresh, good quality food that will keep us coming back. BYO is always a selling point for us, but the bar is well stocked if you need it. A great addition to the Collaroy scene.
We have gone to Crento's before a few times but this time I became ill during the meal and couldn't finish it, nor the glass of wine I had ordered, I had to leave and felt awful all night! My husbands meal was delicious, as have all our previous meals and experiences there.
Nice neighbourhood restaurant run by lovely couple. We enjoyed all items we ordered. Would recommended
Sunday - Thursday | 4:30pm - 8:30pm
Friday & Saturday | 4:30pm - 9pm
Shop 1 1073 Pittwater Rd, 2097, Collaroy (NSW), Australia
Located on the main road in Collaroy (Pittwater Road). We are the first restaurant on your left on the beach strip as you come from Dee Why into Collaroy Beach, or the last on your right as you exit Collaroy towards Dee Why. If you have trouble finding u
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Watch Heroic Homeless Man Come to Defense of Female Cop, 'Something had to be done'
Police in Columbia, South Carolina praised a homeless hero last week who came to the aid of a female police officer being overpowered by an assailant during an arrest. In a gas station parking lot, she was knocked to the ground several times by the much larger man who had attacked the store clerk while wielding…
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Adult Cheetah
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Most, if not all of us remember being told, "Don't talk to strangers," while we were growing up. In today's economy, that rule has become a distant memory. In the sharing economy, millions of people daily rely entirely on strangers to provide services and goods to them through various online platforms.
For example, a visitor to a metropolitan city can rent a stranger's house through Airbnb, be driven around the city by an Uber driver or rent a fellow vacationer's car through Getaround, have their laundry picked up at their door, washed, and returned within 24 hours by Rinse, and get their meals delivered by a GrubHub driver or have a stranger grocery shop for them through TaskRabbit, all while their dog is boarded at a stranger's house instead of a kennel back home. Not to mention that the vacation was paid for by a peer-to-peer loan via LendingClub.1
The sharing economy operates under a small-scale enterprise theory and is driven by community, sharing, and cooperation. We can own less personally, yet have access to almost any good or service on a short-term basis by "borrowing" it from another. In a 2014 survey, of the 44% of U.S. adults who were familiar with the sharing economy, 86% said it makes life more affordable, 83% said it makes life more convenient and efficient, and 78% said it builds a stronger community.2 These numbers only continue to grow as the sharing economy evolves and becomes more widely known, accepted, and trusted.
Online platform technologies make this all possible. People who have things (goods, services, skills, or money) are immediately connected with people who want those things through websites and mobile applications. This enables the community to utilize its "wealth" continually, cutting down economic and physical waste, while nurturing societal trust, entrepreneurship, and one's sense of community.
Nevertheless, peer-to-peer lending of goods, services, and even money, is not without its pitfalls. Problems can arise within the corporate structure of the sharing platform itself or arise out of the exchange.
For example, Uber has most recently been in the news after agreeing to pay $20 million to resolve claims by its drivers that it falsely advertised vehicle financing and inflated potential earnings. Claims against Uber (and other similar platforms) have also been made regarding employee misclassification, questioning whether their service providers (e.g., drivers) are properly classified as employees or independent contractors. Uber has argued that it is nothing more than a technology platform operating in the shared economy and that its function is merely to connect available drivers with those wanting rides.
It has yet to be seen whether Uber's argument will prevail, but if it does, it could have significant implications for various other platform operators. If the service providers are deemed to be independent contractors, not employees, the platform operator (e.g., Uber) has further removed liability for transactions gone wrong. This could present dangers for the individuals actually involved in the transaction where the platform operator does not perform background checks on either the service providers or consumer. Should a claim against the service provider arise out of the transaction, the claimant consumer may be faced with an insolvent defendant with low insurance limits and potentially unable to pursue the financially well-off platform operator for conduct the service provider performed within the scope of "employment." The flipside could be occur as well, wherein the service provider may have a claim against the consumer, but be financially unable to pursue that claim individually, without the assistance of the platform operator.
To assist in protecting those involved in the sharing economy, we are seeing new legislation beginning to enforce more stringent regulations on platform operators. For example, in 2015, the California Business and Professions Code was amended to ensure that "hosting platforms," which list properties available for transient occupancy (e.g., Airbnb), post a warning notice to tenants that they may be violating their lease by listing their unit on the website and could be evicted for doing so.3 Furthermore, as regulation of home sharing is within the jurisdiction of each city and county, various California cities have recently begun to amend their municipal codes to restrict short-term rentals by tenants and homeowners and requiring the host to pay a 10-15% transient occupancy tax where rentals are allowed.4 Where taxation applies, the city is able to collect payment from the host, even if the transient renter does not pay.5 Because of the risk of the host being audited by the city for unpaid taxes which the host may be unaware of, Airbnb has recently implemented a policy of automatically charging the transient occupancy tax in the booking fee and paying the city directly.
Adequate insurance is also an important consideration for those who wish to engage in the sharing economy. Many platforms that provided services in people's homes where inherent risks may be involved, such as dog walking, care giving, and handyman services, require that their service providers carry specific forms of insurance with minimum limits, depending on the service.
As the sharing economy continues to develop and is more widely relied upon, the legislature is likely to become more concerned with regulating certain divisions of services to protect the interests of those involved in the transactions. Individuals providing services and goods must also become more concerned with ensuring that they carry their own insurance if their platform provider does not offer it and consumers must be aware of whether the platform does background checks, requires that service providers be insured, and the like in case an issue arises out of the transaction. Most importantly, for the sharing economy to continue to grow, the community must be willing to freely trust, and recognize the benefits in openly sharing their skills and wealth.
Richard Glucksman
Richard Glucksman is a partner of Chapman Glucksman Dean Roeb & Barger which has offices throughout California. Mr. Glucksman is an AV Preeminent Rated Lawyer with Martindale-Hubbell, which is the highest rating available. He has been named "Super Lawyer" for the last 10 years, including 2017. He is well known in the business and construction legal community for his representation of businesses, builders, and developers. Mr. Glucksman specializes in complex multi-party litigation, including construction law, environmental, commercial, business and catastrophic casualty litigation.
Chelsea Zwart
Chelsea Zwart is an associate of Chapman Glucksman Dean Roeb & Barger. She specializes in various litigation practice areas, including business and commercial, social media, employment, construction, and personal injury law. Ms. Zwart regularly authors articles on trending topics for inclusion in CGDRB's publications, has been published in various legal newsletters and journals, including the Los Angeles Daily Journal and The Edge by AmWINS, and is heavily involved in the annual production of CGDRB's National Construction Risk Management Handbook.
Bob Wright
Bob Wright, property broker with AmWINS Insurance Brokerage of California in San Francisco, contributed to this article.
1 Chapman Glucksman Dean Roeb & Barger does not endorse any of the business discussed in this article. Those listed are merely examples of many "economy sharing" platforms available to consumers.
2 NPR, "When the Sharing Economy Brings Unexpected Experiences," April 27, 2015, available at http://www.npr.org/sections/alltechconsidered/2015/04/27/402563555/when-the-sharing-economy-brings-unexpected-experiences
3 California Business and Professions Code §§ 22590, 22592, 22594.
4 California Revenue & Taxation Code § 7280
5 L.A., Cal., Municipal Code, Ch. 2, Art. 1.7.
To learn more about how AmWINS can help you place coverage for your clients, reach out to your local AmWINS broker. If you do not have a contact at AmWINS, please click here.
Legal Disclaimer. Views expressed here do not constitute legal advice. The information contained herein is for general guidance of matter only and not for the purpose of providing legal advice. Discussion of insurance policy language is descriptive only. Every policy has different policy language. Coverage afforded under any insurance policy issued is subject to individual policy terms and conditions. Please refer to your policy for the actual language.
(c) 2017 AmWINS Group, Inc.
In the current economic climate, many small businesses are struggling and some may even fail. Despite these challenges and the continued hardening market, there is opportunity for retailers to write and retain business. This article provides guidance on navigating the complex small business marketplace and helps retailers fine tune their understanding of what insurable risks will look like over the next 12 to 24 months.
Product recalls are one of the most damaging events a business may encounter. In order to effectively respond to an incident, companies must be prepared with proper risk management strategies. As policy wording varies, it's also critical to ensure your clients have the right policy type in place to appropriately address their first- and third-party exposures.
Our Q2 2020 State of the Market report provides a holistic view of highly impacted industry segments as well as overall market trends. This report is designed to help our retailers gain the knowledge they need to retain accounts, write new business, overcome challenges and capitalize on opportunities that do exist.
Severe weather can be unpredictable and strike at any time. Help your clients be prepared in the event their property is damaged by a hurricane, tornado, hailstorm or similar disaster with these 10 catastrophe claim tips.
As a result of the COVID-19 crisis, our industry is facing a broad array of challenges that impact insureds of every size and in every industry. In the first of a series of webinars, we hear from an economist on the financial impacts of COVID-19 and what we can expect in the future. This webinar is intended to complement your conversations with clients about how to plan for the next 12 to 24 months.
This podcast features an update from John Neal, CEO of Lloyd's, on the state of the Lloyd's market and their response to COVID-19 as well as a panel discussion with London Property underwriters on how they view the pandemic's impact both the Property sector and their syndicate's business.
This podcast features an update from John Neal, CEO of Lloyd's, on the state of the Lloyd's market and their response to COVID-19 as well as a panel discussion with London Casualty underwriters on how they view the pandemic's impact both the Casualty sector and their syndicate's business.
This podcast features an update from John Neal, CEO of Lloyd's, on the state of the Lloyd's market and their response to COVID-19 as well as a panel discussion with London Professional Lines underwriters on how they view the pandemic's impact both the Professional Lines sector and their syndicate's business.
Ninety-eight percent of all United States counties were impacted by a flood event in 2018, yet many property owners remain unaware of their true risk of flood or what their existing policies cover. This article highlights key statistics about flood risk and outlines the differences between the National Flood Insurance Program and private market flood insurance.
The COVID-19 crisis has created a rapidly changing environment for the Professional Lines market. With the uncertainty of how claims will develop and the potential for increased exposure, retailers must be proactive. In this article, AmWINS specialists share their insights on why this is more important now than ever, including reactionary underwriting trends, D&O policy exclusions and impacts to EPLI, as well as the threat for increased cyber attacks and crime losses.
Loss of revenue caused by stay-at-home orders due to the coronavirus pandemic has affected small businesses and the insurance industry serving them significantly. As retailers and carriers prioritize their focus to adapt to the "new normal" of daily transactions, underlying market dynamics remain unchanged. In this article, our experts share their insight on the current changes that we are seeing the small business and personal lines market, and how to navigate the market a this time of uncertainty.
The disruptive impact of the COVID-19 outbreak on supply chains is already having a pronounced effect on the world of logistics and logistics insurance. Port closures, demand surges and production shifts are requiring nimble response to keep up with change. This article arms insurance brokers with the information needed to understand the changes taking place and plan for what is likely to occur in the months ahead.
The Casualty market's response to COVID-19 is continuously evolving. With a wide array of factors already impacting this sector pre-crisis, segments of the Casualty marketplace are responding to the pandemic differently. In this article, our industry specialists share overall themes in the Casualty market and take a closer look at how various segments are being impacted.
The COVID-19 pandemic is causing historical disruption to the construction industry. These changes mean that risk mitigation strategies need to be implemented or revisited, policy language should be reviewed, and carriers should be apprised of all changes at the work-site. In this article, AmWINS specialists examine the major areas of concern for Builder's Risk insureds, including government-mandated shutdowns, supply chain-driven slowdowns and policy wording that could limit coverage, and provide guidance for retailers to achieve the best results for their clients.
For decades, the logistics insurance market has been considered a sub-market of the cargo or ocean marine market. However, the continual rise of e-commerce and its effect on the global supply chain has carved out a complex and expansive industry niche. This article provides insight into the various lines of coverage, the specialized underwriting approach, and rate surges within the U.S. logistics insurance market.
During the COVID-19 pandemic, Lloyd's remains open for business and syndicates have successfully transitioned to working from home. However, there are notable changes in how the London market is approaching business. In this article, specialists from THB, AmWINS' London broker, share their insight on consistent themes across the London Market as well as updates on various lines of business.
There have been a lot of questions regarding COVID-19, in particular about coverage and claims handling. This claims advice is intended to offer guidance to help our retail clients through these difficult times.
As the healthcare industry remains on the front lines of battling the COVID-19 pandemic, staying abreast of the changing landscape and how the insurance market is adapting is critical to ensure new exposures are covered and renewals are successfully placed. In this article, our specialists share what they are seeing in the Healthcare and Senior Care markets, tips for risk control and mitigation, and how to get the best results for insureds.
Public entities are facing a climate of change as the market continues to harden and insureds are faced with double-digit rate increases in property and liability. Contributing to this disruption are statute of limitation changes for sexual abuse victims, which have extended or removed the time limit for which a victim can file a claim. This article examines the impact of increased claim activity and discusses considerations that need to be made to better manage costs during this time of uncertainty.
The disruption to business and everyday life caused by the coronavirus (COVID-19) pandemic is resulting in an economic impact for insureds. Much of this disruption is likely not covered by insurance. We have consulted with several AmWINS insurance specialists across the Property, Casualty and Professional Lines sectors and offer a COVID-19 update.


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The Altona Community Foundation (ACF) has made the decision to extend the deadline of its Spring 2020 Grant Application period to June 30th in light of the current situation surrounding COVID-19.
"We are facing unprecedented times, and we want to ensure eligible organizations in Altona and the Municipality of Rhineland (excluding Plum Coulee), have every opportunity to take advantage of our Spring 2020 granting period," explained ACF President Chris Sumner. "We are also excited to confirm the Build 150 matching grant program will still be available for Spring 2020 applicants, meaning a total of $40,000 will be available in this granting period."
The Build 150 Program will provide matching dollars to projects selected during the Foundation's Spring 2020 grant intake period. In total, ACF will have $40,000 to disburse into the community; $20,000 in matching dollars from the Build 150 program, and $20,000 in interest from ACF's Endowment Fund.
Applicants who want to qualify for the Build 150 program need to note the following:
– Applicants must apply during the now extended ACF Spring 2020 grant application period ending June 30th, 2020.
– Applications must be for infrastructure, or "bricks and mortar" projects.
– These projects need to be completed by December 31st, 2020.
– The ACF will review all applications, and have final say in approval.
The Build 150 program will provide approximately $1.2 million for projects that will leave a lasting legacy in communities across the province, and is one of three programs created to recognize Manitoba's 150th birthday in 2020. Endow Manitoba is helping coordinate the Build 150 program.
"ACF's goal, with this deadline extension, is more non-profit organizations will be able to take advantage of this program during a time when flowing dollars back into the community is more important than ever," noted Sumner.
Grant application forms are available on the ACF website, and again, are now due June 30th, 2020.


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This dehumidifier by Hisense has an ultra-low temperature operation of 3.3°C (38°F) and is equipped with electronic push-button controls with digital LED display, as well as a convenient 24-hour timer to turn the unit on and off. The auto-dry function maintains a comfortable humidity level. The unit shuts off automatically when the bucket is full and has an indicator light. It has a washable and detachable filter, a drain hose connector, as well as four castors and a carry handle for easy transportation.It is also equipped with a front removable closed bucket with a cover and handle and has a convenient power cord storage design. 2-year warranty.
This dehumidifier is ENERGY STAR® certified to save up to 30% in energy and improves air quality.


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A forum based Bleach RP set in an alternate universe from canon! Create your own character and play a direct role in the progress of the world!
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Welcome to Victubia! Victubia is an alternate universe where a lot of youtubers live and share adventures together. Created by Gabbi/Gabrielle Nilsson
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A Bleach rpg like no other. try it and i garentee youll be hooked we even allow you to name your own Zanpackuto
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The Westerville Central wrestling team participated in their first invitational Saturday at Granville High School. The Warhawks in second place after pool competition and then won the title by defeating Utica in a dual match.
Gary Steele, David Javier and Tate Sterling were all undefeated and champions of their weight class.
The team will host its first home competition Wednesday, December 11. The event will be in "super-dual" format…at 6 pm the Warhawks will take on Big Walnut as Westerville South wrestles Westland and at 7:15 pm it will be Central versus Westland and South against Big Walnut.


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Removalists Innaloo
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How much does it cost to hire removalists in Innaloo?
The average price of removalists Innaloo is $76.75 per half hour. So, to move a 3 bedroom house in Innaloo the cost works out to be around $1,228.00 on average. You can reduce this cost and save money by comparing Innaloo moving company prices on Muval to find the best deal for you!
Estimate how long your move will take
The cost of moving house with Innaloo removalists will vary depending on how long it takes to load and unload your items from the truck.
Get a ballpark idea below:
How long will your move take?
Estimated time needed by two people
How does Muval work?
Here's how muval helps you to find quality removalists from Innaloo in a few easy steps:
1. Tell us what you're moving
Our platform automatically calculates the space required for your items.
2. Find your match
We'll find available trucks at great prices with space when you need it. You can filter by dates, price, rating and more to find the best company to suit your move.
3. Compare quotes and book instantly
There's no waiting for removalists to come back with quotes. No hidden surprises, all pricing is up front. You'll get up to 10 quotes instantly online that you can compare reviews & request to book in one spot.
Why use us?
The benefits speak for themselves.
Old way
Instant pricing
Our platform automatically calculates and prices your move from a range of quality removal companies without you needing to call around and speak to pushy sales people.
Insurance options
We offer comprehensive insurance cover as an additional extra to your move.
Find out more here.
Secure online payment
Pay your booking deposit securely through our encrypted online payments form.
Satisfaction guaranteed
If you're not satisfied with the company you are matched with after you pay your deposit, we'll refund you within 2 days.
Move managers
Our team of move managers are available to help you and answer your questions at any point during your move.
Packing, unpacking and more
For customers looking for a full-service experience. Muval provides access to book pre-pack and unpacking services, packing materials, and even an exit and entry clean on your premesis.
Removal companies
We work with a range of quality removalists to ensure exceptional service and care is given when moving your items.
Here's a sample of what people say about the removal companies we work with.
- Since 1987, Aussiemove has been moving families and companies around Adelaide, across Australia and around the world.3.39 (28 reviews)
- We're the removalists Perth locals trust. Our highly experienced, professional team of removalists are the smoothest movers in Perth.4.66 (208 reviews)
- We are your one stop shop for all your moving needs. Whether you want to do it yourself or get the experts in, we have it covered.4.99 (72 reviews)
- Servicing Melbourne Metro & beyond, S & K Removals is a 100% family owned and operated business with over 10 years experience.4.75 (225 reviews)
- Fragile Removals is one of Australia's leading moving companies, offering reliable and affordable services to residents across the nation.4.48 (489 reviews)
- With over 40 years of experience in the moving industry, you know you can trust Geelong Removals with all of your moving needs.4.44 (66 reviews)
Frequently asked questions
Yes, all of our prices are GST inclusive.
Yes, absolutely. Please mention this at the time of booking, as it may make a difference to the provider we match you with.
Some companies will have storage at the destination and some at the pickup. Some even include complimentary storage!
This can be organised but will incur an extra charge.
If you change your list of items or space required to an increased amount, the removalist will adjust the price accordingly. It is advisable to inform Muval as soon as you know that your moving volume has increased. This way, we can plan to avoid any items being left behind on the move day. Please contact Muval about two days before your move once you have finished packing; this way, we can give the correct information to the removalist company before the day.
If you change your list of items or space required a week before your move, we can usually adjust the price accordingly. In some circumstances this won't be possible depending on the booking volume and amount of change and notice provided.
Generally, it is around four porta-robes or 6 standard cartons for a wardrobe.
No, The moving company you book will load and unload the truck with a minimum of two professional removalists.
If you need to change the delivery or pick up date, please advise the removalist as early as possible. They can sometimes accommodate changes and reschedule but this has a few variables.
Each company has differing policies about notification before the pickup and delivery. Some companies can provide a time window on booking, others provide this the day before, while others will provide notice within an hour of their arrival.
Don't take our word for it4.7 (58) Rating from Google reviews
Natasha GallaharMuval customer on google.com.au
Fantastic service, always go above and beyond and more than happy to answer questions. I'll never use another company as I know 100% I get the best price and best service with Muval.
I highly recommend for anybody looking at moving interstate to contact these guys, I've used them twice.
Wenhua Ling5 out of 5 stars on Google
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Robert5 out of 5 stars on productreview.com.au
Corinne Taylor5 out of 5 stars on Facebook
Ben Crocker5 out of 5 stars on productreview.com.au
Lalita Raheja5 out of 5 stars on Google
Hussein Munaiam5 out of 5 stars on Google
Ash5 out of 5 stars on productreview.com.au
Scott Carpenter5 out of 5 stars on Google
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Our top tips and tricks for moving
Read our best tips and tricks on everything from saving money on removalists to finding someone to service your car near your new home.


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Men's Soccer Team Defeats Delhi in Dramatic Fashion
Junior Zach Reda scores winning goal in overtime
The Mighty Oaks men's soccer team had a game for the ages, defeating SUNY Delhi 2-1 in overtime.
The first half ended in a 0-0 draw. Delhi broke the ice with a goal by forward Dimitri Beauchamp early in the second half. Six minutes later, the Mighty Oaks countered with a goal by Owen Hennigan (assisted by Dillon Buchberg). Regulation time ended with a 1-1 tie. In overtime the Mighty Oaks came out gunning, creating several scoring opportunities. Zach Reda finally put the ball in the back of the net, making the score 2-1 and giving the Mighty Oaks the win.
"The ball doesn't seem to always find the net at the beginning, but with resilience and high intensity pressure, it's only a matter of time," said senior center back Wyatt Wesner.
The men's soccer team, now 5-0, quickly take the field again in Albany, Sept 14 versus Albany College of Pharmacy.
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The flying field at Bossall is now open.
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Please note:
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The new Club News letter is available in the Newsletters section members area - only available to logged in Members.
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10th Class result of Faisalabad board available online. Matric result Faisalabad Board SSC part 2 result will be declared online on. Faisalabad (July 25, ): Board of Intermediate & Secondary Education (BISE) Faisalabad announced the Matric (SSC-II) Part-II 10th Class. BISE Faisalabad has announced the SSC Result on Tuesday and declared the position holders. students can check Matric Result
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BISE Faisalabad board class 9,10,Matric result announced. Check now! –
Ed Exams Result Faisalabad board matric result Thursday, June 14,mateic My roll no is Gravatars are small images 20112 can show your personality. The exams department of Karachi University started the checking of papers soon after ending of the UoK B. Ed class annual exams result, which is shown online for the facility of the candidates.
Students will have to keep patience and should pray for their good matriculation result, as their further admission in good intermediate college is dependent on their matric marks.
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Students of Faisalabad board are desperately waiting for their matric result. Can any one help me. Choose image to upload. If it will happen it will be v Best of luck to all matriic students for their future study either top colleges in Pakistan or aboard. Colleges by Cities Colleges by Levels.
matrlc Ejaz – July 25th, at 7: BISE Faisalabad Matric 10th resultFaisalabad board matric resultwill be announced soon in June for academic session Can any one help me. They will check the roll nums, names and the trade name and they will find the marks and the status during the exams.
We will utterly try to solve their problems. Amina – July 25th, at Colleges and Universities Featured Listing of Colleges.
Explore Educational News National. Media Browser 1 2 3 4 5 more. Abdul Wasjid Gulzar – July 25th, at Ed Exams Result Currently playing: You can check your Matric part-2 result online at the given below links: Click Faisalabad Board Matric Result to Check Result Faisalabad Board Matric Result available, check below Board of Intermediate and Secondary Education Faisalabad conducted the matriculation examination in the month of March and April and now they are announcing matric annual result Ed morning and evening programs annual examstotal students appeared and it was announced that students were announced as successful bisw remaining 47 students were declared failed during the result.
Uzair – July 25th, at 9: Adnan chaydhari – July 25th, at On the announcement day of matric result of Faisalabad board we matrric update the same page, so stay with us and keep visiting us we will keep updating you about the result of BISE Faisalabad.
The candidates can get the fresh updates of their PBTE result, which is provided here for the convenience of the candidates. You can check your Matric part-2 result online at the given below links:.
You can Get Result Here: Ed class annual exams and it took few months to fsr the UoK B.
BISE Faisalabad Board Matric, 10th Result 2012
Ed annual exams result for AIOU 12th Result You must be logged in to post a comment. Usman – July 25th, at Third positions with marks is secured by two students Ayesha Ashraf under roll number and Nihal Amir having roll number The candidates can visit this site to get the latest updates regarding their BISE Sukkur class 10 result online and the students of the general group will check their marks against their roll nos, which are shown for the facility of the candidates.
Zeeshan – July 25th, at Haroon sabir – July 25th, at 1: Ed class annual exams and it took few months to prepare the UoK B. Text Image Video Live. The candidates, who attended the course from to and they appeared in the exams of the training course, they need to visit the site to get the latest updates regarding their PBTE Industrial training course result.
Fazila Ajmal – July 25th, at 2: You Can Get Result Here: If students have any queries and suggestion regarding Faisalabad board result, they can share with us by commenting in the comment section below.


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