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August 19, 2015 by Canadian Underwriter
The Court of Appeal for Ontario recently dismissed an appeal, from American Home Assurance Company, of a disputed directors' and officers' liability claim. The insurer must now pay the $15-million limit on one policy – in addition to $13.89 million already paid out on a different policy – to cover legal costs of four Canadians who were personally sued 10 years ago in the United States. All figures are in U.S. dollars.
American Home (later renamed Chartis Insurance Company of Canada and now known as AIG Canada) wrote D&O policies for Onex Corp., a Toronto private equity firm whose holdings include USI Insurance Services LLC and the Tropicana hotel in Las Vegas. From 1999 through 2003, Onex owned Magnatrax Corp., an American manufacturer of custom metal building systems. Magnatrax went through bankruptcy proceedings in the U.S. in 2003 and is now owned by Nucor Corp. Onex and several other parties were sued in the U.S., in 2005, by Richard Kipperman, a trustee who represented unsecured creditors of Magnatrax.
Kipperman alleged in 2005 that Onex, "acting through its directors, directed Magnatrax to make a number of highly leveraged acquisitions that benefited Onex and its directors at the expense of the Magnatrax creditors." Kipperman's allegations included breach of fiduciary duty to Magnatrax.
Ontario court records indicate the lawsuit by Kipperman was settled for $9.25 million and Onex spent about $35 million on legal fees.
Defendants in the Kipperman lawsuit included Onex chairman and CEO Gerry Schwartz (who also essentially controls the majority of voting shares in Indigo Books & Music Inc., which is not owned by Onex). Three other defendants were: Onex managing director Nigel Wright, who also served as chief of staff to Prime Minister Stephen Harper until May, 2013; Onex chief financial officer Chris Govan (an Onex managing director at the time Onex owned Magnatrax); and Mark Hilson, who no longer works for Onex and was an Onex managing director at the time Onex owned Magnatrax.
Wright and Hilson were at one time on the Magnatrax board of directors while Govan and Schwartz were alleged – by creditors of Magnatrax – to have been "de facto" directors of Magnatrax.
In 2003, AIG had issued a temporary and conditional binder of coverage for Magnatrax, which was a run-off policy. AIG paid to the $15 million limit on that policy to cover six individuals for legal costs in the Kipperman lawsuit. A combined total of $13.89 million went towards legal costs for Schwartz, Govan, Hilson and Wright. The other $1.22 million went towards legal costs for two other Magnatrax directors – Charles Blackmon and Robert Ammerman – who were not Onex officials.
Related: Policy Interpretation
In 2008, Onex asked an Ontario court for a summary judgement requiring AIG to pay legal costs, under a different AIG D&O policy, for Onex. That policy was in effect from 2004 to 2005 and Onex also asked for coverage under excess policies associated with it. Onex's co-plaintiffs against AIG were Schwartz, Wright, Govan and Hilson.
In the alternate, Onex asked the Ontario Superior Court of Justice for coverage under a 2002-03 policy, under which AIG "covered officers and directors of Onex and its subsidiaries in respect of liability for claims first made against them and reported during the policy period and had an aggregate limit of liability for all loss, including defence costs, of US$15 million," wrote Mr. Justice Laurence Patillo, in a decision released in 2011.
AIG argued that only the Magnatrax run-off policy applied to those legal fees, and that neither its 2002-03 policy nor its 2004-05 policy applied.
In his decision in 2011, Justice Patillo ruled that AIG must pay $15 million — under the 2002-03 policy, but not under the 2004-05 policy.
In December 2014, Madam Justice Mary Sanderson, of the Ontario Superior Court of Justice, also ruled that AIG must pay $15 million under the 2002-03 policy, on top of the $13.89 million already paid under the Magnatrax run-off policy. AIG's appeal of Justice Sanderson's ruling was dismissed, in a ruling released Aug. 14, 2015, by the Court of Appeal for Ontario.
Both sides had appealed Justice Patillo's 2011 ruling.
In February, 2013, the Court of Appeal for Ontario had allowed AIG's appeal, sending the case back to the Superior Court of Justice in order to determine the "reasonable expectations of both parties," or their intentions, in adopting Endorsement 14 in the 2002-03 D&O liability policy that AIG wrote for Onex. That was why Justice Sanderson heard the case in 2014.
"In arguing the appeal, the parties each took the position that the interpretation they urged on the court was unambiguous," the appeal court wrote in 2013, adding the parties, in 2011, "paid little attention to the issues that we now find must be determined."
In the same ruling, the appeal court dismissed Onex's cross appeal, meaning Onex is not indemnified under the Onex 2004-05 policy or the excess policies associated with that. Excess insurers included several Lloyd's syndicates, XL Insurance Company Ltd., Liberty Mutual Insurance Company and Houston Casualty Company.
In April, 2013, Onex unsuccessfully applied for leave to appeal with the Supreme Court of Canada.
Endorsement 14 in Onex's 2002-03 policy — which the Court of Appeal for Ontario found was ambiguous — made AIG not liable "for any Loss alleging, arising out of, based upon or attributable to or in connection with any Claim brought by or made against … Magnatrax Corp."
In referring the case back to the Superior Court of Justice, the Court of Appeal, in 2013, directed that the lower court resolve whether Endorsement 14 excludes "those claims advanced in the Kipperman action alleging wrongful acts on the part of the Onex directors said to have been committed in their capacity as Onex Directors."
The Superior Court of Justice also had to resolve whether Endorsement 16 in the Magnatrax policy gives AIG the right to set off the amounts owing in the Onex policy against the $13.89 million already paid in the Magnatrax policy.
Endorsement 16 stipulates that "with respect to any Claim under this policy for which coverage is provided by one or more other policies the Limit of Liability provided by virtue of this policy shall be reduced by the limit of liability provided by said other AIG policy."
In 2014, Justice Sanderson heard the case on two questions. One was of the meaning of the word "claim"
in Endorsement 14 of the Onex policy and Endorsement 16 of the Magnatrax policy. The other was whether the total coverage available to Onex and directors, under both policies, is $15 million or $30 million.
AIG and Onex "agreed that the parties intended that whatever coverage for Onex directors was provided by the Magnatrax Policy would be taken away from the Onex 2002-2003 Policy," Justice Sanderson wrote. "However, they disagreed as to what coverage was provided to Onex directors acting in their capacity as Onex directors under the Magnatrax Policy, and what coverage was taken away from Onex directors acting in their capacity as Onex directors under the Onex Policy."
Justice Sanderson reviewed correspondence between officials at AIG and Aon, Onex's D&O liability broker. She decided that Endorsement 14, in the policy AIG wrote for Onex in 2002-03, "does not exclude coverage under that policy for wrongful acts of Onex directors acting in their capacity as Onex directors in connection with Magnatrax."
She found that AIG and Aon "understood the Magnatrax Policy would provide US$15 million coverage to Magnatrax directors [including Onex directors acting as Magnatrax directors] for wrongful acts committed before May 12, 2003 in that capacity AND the Onex Policy would cover Onex directors acting as Onex directors for wrongful acts committed in that capacity before and after May 12, 2003, and Magnatrax directors for wrongful acts committed in the capacity as Magnatrax directors between May 12, 2003 and January 20, 2004 for US$15 million."


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I'm a British citizen, so I see it as part of where I live, as a part of Britain. I know other ones don't agree with it and things, and ones not far from where I live. Their identity is Irish and they see it as a part of Ireland. Those two communities just don't agree with each other on what part of the country this is. Very, very, very divided.
Growing up around this area, I've lived in this house certain 20 odd years, 30 years. Growing up around this area you learnt not to trust the ones next door in the Short Strand. You were learnt to keep yourself to yourself and stay with your own people. Us and Protestants and British people, and not to trust the Irish ones and those Catholics or whatever.
Then you'd have an odd fight with them. The community fought against each other, the two communities. You got yourself involved in things like that. If they throw a brick at you, you throw two back at them. It was very, very bitter times than--things have changed in the last 10-15 years. Those two communities have sat a wee bit better. They've built a peace wall in between us here, at the back of it. The wall seems to be doing its job of keeping the two communities apart and keeping peace in between the two.
It was rough at times, growing up in the city. At the minute there's probably less--well, these two communities have never, ever got on. These two communities have never really mixed. Today there's more peace between the two communities. It's safer to walk about your own community, knowing that the other community's not going to attack you. I think it's the same with them. They know we're not going to attack them. There is more peace today. More trust that the two communities aren't going to come under attack.
I think it's very hard for outsiders to understand what actually happening in this country and what this country's came to. Until you've actually lived here and experienced it. There's a lot of people from Belfast who'll not talk about the troubles and talk about the past and talk about things. I think it's hard to actually get the real truth out of people. You can walk about the streets here and say to people, "What happened? Did you fight, did you do anything?" They'll not answer you, they just blank the past. To explain to an outsider I think is very, very, very hard.
You have to be careful what you do say, for start. You have to be very careful what you do say, because a lot of it was criminal activity. It was joining organisations or petrol bombing houses or throwing bricks, stuff that's criminal. People don't talk about that. People do not tell an outsider about it. They'll not tell an outsider "I was in this" or "I done this" or "I done that". I think parts of Belfast, you'll still find it very hard for people to explain to an outsider what it was like, or to tell an outsider exactly what did happen. They'll tell you certain things as we did fight with them, we did have trouble with them but they'll not go into detail of why, or what happened.
In my eyes, it's over. It's time the two communities did come together. I'm glad that it has changed, but to explain to you exactly what went on is very, very hard. It's extremely hard. I think we'll find it hard to explain to you. Politicians are a lot to blame for the trouble in this country as well. If they could get their act together, I think the rest of us could. It was strange as a child and your teenage years. You learnt to deal with things around here.
You learnt to deal with attacks and you learned to deal with your house being maybe attacked or petrol bombed. You learned to--if there was a shooting in the area you knew exactly what to do, where to go. Stay in, don't open your mouth about that, you didn't see that. You were street-wise as a child in Belfast. Every child brought up in Belfast was very street-wise. It was a problem to explain things, and we're told not to do this and not to do that. That's the way the community, you acted as a child.
Once you get older, you can get involved a wee bit more. They let you start--if there's a brick threw, so you throw two back. Even the kids today are very streetwise, because once there's a brick comes over that wall, they'll run. They'll go and tell their father and mother or whatever. They're very streetwise these kids. Very well brought up.
We've had attacks in the last two or three years, we haven't had Many attacks. We've had maybe two or three in the last, say, five years, as far as being serious attacks. You'll see the kids. The kids know how to retaliate. Once a ball bearing comes over or a brick comes over, they'll be aware and they'll know what to do yet. The closest house they can go to and then you'll see the younger ones go out and the older one's start. It's a strange situation but it's a situation that you're brought up. If there was an attack here in the next 10 minutes, you'd see 200-300 people here within no time. The communities all know how to operate and know who to contact and what way to go about things.
You just make one phone call and this place will be crammed in no time. Cluan Place, it was attacked a few times over the recent years and once that gets attacked even the people from round this area, they know who to send round to protect and things. All the communities stick together. All of East Belfast sticks together. Same with the Short Strand, they all stick together as well and they would bring people from different areas to protect them and in no time they'd have maybe 1000 people in there, 500 people in there there to fight back against our ones. It's just the way it works.
I think Brexit's a good thing personally being British, I think British should be British and I do support Brexit and I think it's going to very very hard to please both sides. It's going to be very hard to please the Irish and the British. Brexit is going to divide them somewhere along the line, it's going to make one side bitter.
A lot of it depends on border over here. For years Sinn Fein IRA has been fighting for an all Ireland. Brexit is going to stop that it's going to put an end, it's not going to be an all Ireland. Britain is Britain and Ireland is part of Europe so that is going to put a divide there. I think it's going to depend a lot on the border, the way the Irish are going to go about it. If they don't get their own way they'll start trouble again. They will start trouble again. They'll want a divide, they'll want out of Ireland, or out of Britain. They will start up again. If it does come an all Ireland which I can't see for the next 10, 15, 20 years maybe. Then the British people here aren't going to like that and they're going to retaliate and they're going to say, "Well this is our country and you want it back again." You can't blame Brexit it's more of the divide in the country. As I said it's two communities, two different identities. If you put a big line down the middle it's going to cause-- one side is not going to be happy. I agree there should be a border because if there's not a border this is going to be like a back door for everybody to come through into Britain. We're part of Britain so put the border up and stop them coming in this way and stop them using us. If the Irish don't like it, let them go down the south of Ireland to live. That's my personal views it's not everybody's views. They're living up here blame the British state, blame the British money, everything's British. For the British to say they've suddenly got a border up there, you'll have to live here as part of Britain.
There's a lot of history-- this doesn't only go through the troubles, it goes for hundreds of years in this country. The history has always been there there's been trouble, there's been this and there's been that. It's not just recent troubles, it's not just recent Brexit and things. The border's been there before and it caused trouble and they tried to blow it up and they've tried to do this and they've killed people at the border. I'm British so I understand. I actually believe it would be easier for Ireland to come back part of the British Union and join Britain as the way it used to-- It was a hundred years ago, they were part of the British empire. I actually think it would be easier for them to come part of Britain and leave Europe themselves, it's not doing us good, it's not doing them much good. That would be the easier situation not that anybody'll do that, especially not the the Irish. They want Ireland as it's own country. Yes it's complicated, it's going to be hard to take 750,000 British people in this country, it's going to cause a lot of trouble.
It would be hard for somebody in Northern Ireland to turn around and say that they haven't experienced violence, one way or the other. We see it everyday you know what's going on and when there's troubles you experience maybe bombs going off and you experience maybe kneecapped or shot or your friends that's died. Everybody's got friends that died over here, in the troubles. A lot of me lads on the other side, been shot, close friends, one day he's out doing something and the next day he's been shot dead. That was in the 80s. People my age, 90% of people my age would know somebody or have spoke to somebody or witnessed something.
I remember as a young, young child some six, seven, eight, nine year old watching the bombs go off in Belfast and it was terrific and just up the road there. It went up in fire one night and I think there was 20-odd killed it and there's smokes and there's fumes and you stood and you watched it and you knew people were getting killed there. Everybody in Belfast has witnessed something I'd say. There was 3-4,000 killed. It's a small population in Belfast. Everybody has an uncle, an auntie, a cousin or a friend that's been killed. When you're a size of a small town you're a big town or small city. 4,000 people to be killed in those years. A lot of people.
We protected our areas as well, you might consider I've have gone out with a scarf round my face and done something stupid, so that does happen, that does happen. You don't see it as violence you see it as protecting your community. It doesn't take much to spark off trouble round here. Maybe kids over their side throwing fireworks over but you don't know who's on the other side of the wall. Next thing maybe one of your kids got hit with a firework or whatever, you retaliate. Next thing you're putting windows through and the next thing they're throwing things this way and there's shots been fired maybe worst thing is blast bombs going off. It started off with just a wee brick or something from an eight, nine year old. Bigger ones throw something back retaliating.
I feel like an identity is a far important part of life. I think that you should be actually proud of saying I'm Dutch, or I'm French or I'm from Great Britain. I honestly think to have even a monarchy, to worship, not worship her, but to respect her. I think it's actually a very, very important part of life and kids should be brought up in order to respect their identity.
Don't matter what identity they are I just feel identity is a great part of life. There's kids out there that have been singing the queen from their five year old. They're told they're British, they're out watching the bands and they know their history from their four, five, seven year old. They know that's Catholics over there, and that's Irish. I think it's a very very important part of life, your identity.
I don't see it as more of a religious thing. If you're Catholic and you're proud to be British, you're British also. I don't see it as a-- I think it's more identity. Identity is an important part of life. There's black British, and there's white British and there's Catholic British. I think the British part is the most important part of it. No matter what, even the Muslims, they respect Britain as Britain, fair play to them. These other ones… The hatred for Britain is just… don't agree with that… If you hate a country so much, get out of it. You shouldn't live in a country that you hate. Definitely shouldn't.

subset: commoncrawl


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|the sketch from customer using google sketch up and the final 3D art work
|the front view with hand writing font
This is a very special 21st birthday gift for a young lady. The designer is her handsome boyfriend with very thoughtful heart.
80 x 30 x 2 mm is the dimension of the heart shape key. The base metal is brass with 999 gold and rhodium plating. Due to the dimension, the mould cost was high. He emailed the sketch using google sketch up which he learnt when helping his girlfriend on some of her college projects. The draft was clear with precise measurements. The only thing unsure was the font and relief part. He decided to use his own hand writing for "JuYi" and "EK" alphabets. Two art works were presented before he agreed on the final 3D results. Today is her" BIG" day, so hope she likes this special gift (^L^)


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While others may opt for a more raucous night of party excess – the prudent among us will be selecting a more civilised way to welcome in the New Year…
At the Olde Bell in Hurley we have designed the perfect New Years Eve event which will combine the merits of both quality and quantity in the form of an exquisite 6 course banquet.
Whether you choose to stay the night and enjoy a mouth watering New Year's Day brunch or simply join us for the banquet itself, we have an option for you and more importantly – there is still availability to book so act now and reserve your tickets by calling 01628 825881.
For just £95.00 per person see what's included:
Those of you who have visited the Olde Bell before will anticipate a relaxed pre-dinner drink in our historic and rustic bar, complete with crooked floors and bundles of historic charm. Following house canapes, guests will be invited to sample a wide range of courses including seared tuna with wasabi and mustard dressing, duck liver parfait and slow cooked fillet of beef. To cleanse the palate, grapefruit and muscadet sorbet will be served between courses and the grand finale of a local cheeseboard will be the perfect end to a first class feast.
Following our New Year's Eve banquet, why not stay overnight & enjoy a New Years Day Brunch for just £189 per person. This incredible price includes all of the above as well as accommodation in one of our charming standard rooms (with upgrade to a superior room available at an extra charge, subject to availability)
To welcome in the New Year at the Olde Bell simply call us today on 01628 825881 to make your reservation.
May each of our guests – both past, present and future – enjoy a very happy Christmas and we will be delighted to welcome you at the Olde Bell in the very near future!


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Bella Italia - New BrightonUnit 2, Marine Point, King's Parade, New Brighton, North West England, CH45 2PB Italian
Opening hours
Restaurant description
Set right on the popular Marine Point, Bella Italia New Brighton boasts a serene al fresco dining area with stunning views out over the water. Inside there are colourful design touches and plenty of space for large groups, while the bar is bursting with international wines and inventive cocktail recipes.
With authentic Italian ingredients sourced from real Italian-family producers, the Bella Italia menu is filled with dishes to suit every appetite. Enjoy a delicious pizza, hand-stretched for a thin & crispy base, or one of their many pasta dishes, with fresh pasta produced by the Gaetarelli family near Lake Garda, and lasagne made in-house every day to a traditional Italian family recipe. The menu also features a selection of fresh salads, tasty Italian classics & family favourites from the grill.
Enjoy a complementing glass from Bella Italia's extensive wine list, or celebrate something special with a glass of Prosecco or a signature Italian cocktail, like the classic Aperol Spritz. Kids can also enjoy a tasty Italian feast from the kids menu at Bella Italia restaurant in Wallasey, with a trip to the gelato cart offering the perfect ending to any meal.
A perfect sunshine spot thanks to its al fresco seating, Bella Italia New Brighton is a 6-minute walk from New Brighton Rail Station.
of diners recommend this restaurant
Recommended for
- afternoon tea (2)
- al fresco (1)
- breakfast (3)
- business (2)
- child friendly (6)
- dinner (14)
- entertainment (1)
- large parties (6)
- lunch (9)
- private dining (1)
- romantic (6)
- value (6)
- views (11)
25 December 2018
I have already sent our lovely Christmas Day experience to Bella Italia New Brighton
19 June 2018
This restaurant didn't seem to understand the deal we had booked with booking.com They constantly brought us the wrong menus
16 May 2018
good and helpful
6 May 2018
Slow service Food left under heat lamps until dried out and formed a skin Incorrect billing attempted to over charged by £20
14 February 2018
Booed for a pre theatre (matinee) meal. Allowed 2 hours so not to have to rush. Only one table being served when we got there. Very attentive waiter took our order. During a reasonable wait quite a few more folk came in and it was obvious there were not enough staff on. Food came and was very nice- as usual in a Bella Italia! After finishing our main course we waited a long time to catch a member of staf to ask for a dessert menu. It was thrown on to the table as the waitress ran past and after another 20 minutes I said to my husband we had better leave and just have a coffee over in the theatre. We eventually went to the ice cream counter to pay as no one came to our table. Conclusions: food good, service much too slow.
11 November 2017
Slow service but good food when it arrived.
18 June 2017
Service was really slow, food came out before our drinks arrived at the table, waitress said one of our drinks would be free, when the bill came, they had charged us for the drink, couldn't be bothered arguing over it as the waitresses attitude wasn't the best, I also presented them with a voucher, I was told I couldn't use it because it was Father's Day, I was told to check the T&C's, to which I did, and I told the waitress, yes you are right, it says not to be used on Father's Day, except after 5pm, Thankfully it was 7pm, the waitress said they weren't allowing any vouchers, I told her it was from Bella Italia itself, showed her the voucher on my phone and I received the discount, food was really good, just service really slow
26 May 2017
Very enjoyable
20 May 2017
Nice food though expensive (as ingredients wouldn't be very costly for pasta or pizza) lovely sitting in window looking out to sea. Pleasant helpful staff.
5 May 2017
All very good. Well received by staff and food good. Enjoyed the view of fort perch rock and lighthouse while dining.
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Motion Episodes
Inside Look
Motion first launched as a new adventure/travel show on Disney's upstart Live Well Network in 2009. Executive producer Jeff Aiello created the series and found the perfect host in his brother Greg, a long-time mountain guide. David Boomer came on board shortly after production began to help with trip-planning, logistics and filming permits. On location, all three share camera duties.
A good amount of planning goes into every shoot but the crew has learned to roll with the punches. Ground logistics and weather are always an issue -- so keeping things loose helps everyone with the fast adjustments sometimes needed in the field to keep the shoot moving.
One the hallmarks of Motion is stunning landscape photography. Being able to capture the beauty of these destinations in a way that makes the viewer feel like they are right there with the crew is an important part of the show.
Quality and size are the two driving factors in what kinds of cameras the crew puts in the field since being able to pack everything on their backs is crucial. David Boomer's assignment on location is to grab 'detail shots' -- the close ups that bring the real 'texture' of a landscape to life. David shoots these shots with the Panasonic GH2. Jeff shoots principle landscapes with the Panasonic AF100 -- a new generation of HD camera known for razor-sharp images.
One of the stand-out techniques in making Motion has been what the crew calls the 'Greg handy-cam shots.' Using a Panasonic GH2, Greg's off-the-cuff comments and impressions of the locations are captured with a unique, personal feel that brings viewers into the scene.
Producing Motion has become more than a job for Jeff, Greg and the crew. The inspiration it brings to fans, the celebration of America's wild places and the opportunity to do some good with a show at a time when hollow reality TV series dominate the airwaves, motivates the team to bring in the best episodes they can every time they're in the field.
Even though there's always a fun aspect to shooting an episode of Motion, there is also a sense of responsibility to the viewers to honor each location with the best photography, storytelling and experience for the guest hikers that come along.


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It feels like such a long time since I last wrote a list kind of post. Though saying that if I actually looked it probably wasn't that many actual blog posts ago >_<. But anyway since I've been spending hours on hours listening to music - mind you I am doing other stuff at the same time such a studying and blogging - I started to think of certain things I do when listening to music.
The idea also came from a conversation with one of my friends when we were talking about dancing to K-pop songs and falling into the dance moves sometimes when walking down the street, kind of funny if you think about it. So getting on to the actual post, here are 10 things I can think of that I might possibly do when listening to music.
1. Putting a playlist on shuffle to then skip through the songs to reach the one you really want to listen to.
2. If you're listening to a song in a different language, Korean for example, mumbling through the Korean words to belt out the few English ones that pop up everything now and again.
3. Dance without realising while walking down the street with headphones one.
4. If in the car on long car journeys with headphones in, pretending your in a music video as you gaze out at the scenery you drive past.
5. Not being able to leave a song half way listened too, especially if you're at a key part in the song.
6. Tapping a foot or pen to the beat of the song (sorry anyone who's had to sit near me while I'm studying with my headphones on).
7. Putting that one song on repeat even when you have a full playlist that you could listen to because you can't bear for the song to end.
8. Get totally distracted by the song and don't get any other work done that you really should be doing.
9. Sing along without realising how loud and out of tune you are.
10. Sing along to the lyrics but sing the wrong part at the wrong time, so have to fizzle out as the embarrassment gets to you.
Whoo ten things that we do when listening to music. Not going to lie I had a little help coming up with these from friends but nonetheless there's 10. I think I've definitely done all these points at least once in my life and definitely some more than others, such as putting just one song on repeat even though I have a whole playlist set up.
Do you do any of these? Are there any other things you can think of that you do when listening to music? I'm sure there's more that I do as well, I guess I just can't think of them.
Don't forget to follow me on Twitter Instagram Bloglovin


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There's no denying it — music defines Memphis. Roam the internet for stories about the nation's top music cities, and Memphis always seems to make the list. That's because we're known as the home of blues, soul, rockabilly and rock 'n' roll.
And don't ignore the fact that Memphis stays fresh by being a hub of musical experimentation, producing hybrids such as surf rock with a Memphis twang.
Plus, the Memphis music producer Sam Phillips recorded what is often cited as the first rock 'n' roll song, "Rocket 88," at his Sun Records studio when it opened in 1952. Ike Turner wrote the song about a powerful auto, and his band member Jackie Brenston sang it.
Music tourism
Memphis serves up a banquet of musical history and styles. It's a major part of our tourism appeal as demonstrated at the Memphis Travel website, which tops its "what to do" page with the following iconic music hot spots:
- Graceland, 3765 Elvis Presley Blvd.
- Sun Studio, 706 Union Ave.
- STAX Museum of American Soul Music, 926 East McLemore Ave.
- Memphis Music Hall of Fame, 126 South Second St.
- Memphis Rock 'n' Soul Museum, 191 Beale St.
- Blues Hall of Fame, 421 South Maine St.
- Beale Street, which has so many music clubs that it has its own app
Impact of Graceland
Memphis Magazine contributor Chris Davis identifies 1982 as the year that forward-thinking entrepreneurs began shaping our city's music history as a tourist attraction. In a December 2015 article, Davis noted the tourism renaissance as beginning "when Graceland first opened its doors to the public."
According to Davis' article, Beale Street had lots of boarded-up buildings the year Graceland opened. Sun Records (eventually renamed Sun Studio), where stars like Elvis Presley, Ike Turner, Johnny Cash, B.B. King, Jerry Lee Lewis and Roy Orbison recorded, was just a quick flash outside the window on Gray Line Tours in the early 1980s, according to Davis' article.
STAX Museum of American Soul Music is housed in the old STAX Records studio where stars like Booker T. and the M.G.'s, Isaac Hayes, Otis Redding (backed by the Bar-Kays), Sam and Dave, and the Staple Singers all recorded.
Nowadays, the city's musical landmarks hum with visitors. Ted Evanoff of the Commercial Appeal notes that the neon 1950s appeal of Beale Street was Tennessee's top tourist stop as of 2016 when it attracted six million visitors.
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The North Carolina Basketball Coaches Association is a supporter of the American Cancer Society's Coaches vs. Cancer Events. We encourage all teams to sponsor events to support this worthy cause. To learn more about it, click on the banner below.
Contact Gary Bowne (email@example.com), national Coaches vs. Cancer high school rep, for more ideas and information.


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CMC Mary Matha Provincial House, Vengoor
|Established Year
|Short Name
|M.P.H Veng
|Vengoor, Piraroor P.O, Kalady.
|(0484) 2462045, 2699080 (Pers.) 2465002
"Remember the great things that the Lord has done for you". Yes, it is good to remember the days passed and to praise Him for His mighty deeds. C.M.C. Marymatha province was officially inaugurated on16th July 1987, and the Edanad convent was declared as the provincial house for the time being. Later on 2 nd February 1988, it awas shifted to ChengalAlmasadan Convent due to some inconvenience. The present provincial house at Vengoor was blessed and opened by His Eminance Cardinal Mar Antony Padiyara on 14 th September 1993. Under the able guidance of provincial superior Sr. Joyce and councilors the activities and endeavors of the provincial house were co-ordinated and successfully worked out. The new provincial team- Sr.Borromeo and councilors was elected and during this period, the open space between the building changed into open auditorium and the chapel was shifted from upstairs to downstairs. The new chapel was blessed by His Eminence Cardinal Mar. Varkey Vithayathil and celebrated the Holy Mass there. Perpetual adoration is going on ,which was started in 2011. Sr. Liz Maria is the present local superior of the house. There are 49 members and some of them are staying in different places. Remaining 26 members are contributing their best in different apostolates. The candidates are gaining their spiritual formation along with their academic schedule.


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Wednesday, September 26, 2018
The Full Moon in Aries still lingers on and is square on Pluto in Capricorn. And the Sun in Libra is square on Saturn in Capricorn today.
All in all a deprived day in which emotions predominate. It leads to emotional reactions to conversations, people or events, because things can come to light that force you to face the truth.
Today feels pretty heavy. Actually, it would be a good idea to take the day off and to pamper yourself. Do something nice for yourself.


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Reel Quick Reviews – Click here to read my review of the latest film in Marvel's X-Men franchise, X-Men: First Class.
How Much Have You Seen? How Much Have You Cared? – From Mike: "We all take in many images throughout our week, and most of them we seem to cast aside without second thought. We do not consider what we have just seen, as we drive by it, walk by it, or click past it, and do not think twice about it. But I wonder; what is it we are ignoring?"
Are You A True Bibliophile? – A fun post from fellow blogger Cindy Swanson.
Book Review: The Gift – Dan Phillips reviews Bryan Litfin's fantasy novel The Gift. "In sum, I truly am sorry to say this volume has the feel of a cut of steak that needed to marinate a few hours longer. It feels like a first or second draft, in need of work, tautening, deepening, and more intricate coloring."
Novel Idea: Prologue – Mike gives us the rough draft of his new book's prologue. After reading it, I can't wait for him to share more. (Discretion is advised for younger readers, due to mature thematic material and some violence).
Once A Worm – A poem from the ever-creative Gregg Metcalf.
Clearly Missional or Clearly On A Mission? – Great thoughts from the Reformed Traveler, and the satirical video fits perfectly.


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I've been thinking a lot about Battlestar Galactica. The remake/reimagining version, which I'll refer to as 'BSG', starring Edward James Olmos, Mary McDonnell, Katee Sackhoff, Jamie Bamber and a host of other rather awesome people. That version. Rather than the still-kind-of-awesome-but-didn't-strike-quite-the-same-chord-with-me-but-that's-not-to-say-it-was-a-bad-show-in-its-own-right-quite-the-opposite original 1978 version with Lorne Greene, Richard Hatch and Dirk Benedict.
This was a weird show for me. Stop me if I've talked about it before. It was odd because, although I've never consciously been a Mormon (a faith whose religious traditions formed some of the foundation for much of the original series' lore and so has echoes in BSG as well) something about the religiosity of the show — its spiritual dimension, if you like — intrigued me even while it was annoying the living frak out of everyone else and causing people to declare the last season and finale of BSG literally the worst TV ever committed to… er… TV.
BSG, based on the original series Battlestar Galactica, originally conceived by famous 1970s and -80s TV guy Glen A. Larson (see also Airwolf, Knight Rider et al), is probably the nearest thing TV has ever offered to a reflection of my own religion, albeit a bit more space-shippy: many gods represented by the Romano-Greek pantheon, and a regularly repeated (hah) tenet that "All of this has happened before, and all of this will happen again."
(I mean, I'm not saying it's a very cheerful or enjoyable religion…)
But that BSG was also a stonking good people-focused sci-fi epic that explored both contemporary and timeless issues and themes in a compelling story, underscored by powerful music influenced by countless styles and cultures, is just a bonus.
Its relatable characters reflected little bits of me, too — which I suppose is inevitable in an ensemble show, and even the point. Though not all of them clicked with me. I mean, I had nothing in common with either of the Adama lads: Lee or his father Bill, Galactica's CO. They lived military lives, lives of service and discipline, and so utterly alien to me.
'Starbuck' – the wayward and insubordinate but very very good fighter pilot Kara Thrace – I clicked with not because she was a really good fighter pilot but because she was a complete frak-up. Also probably to some extent because she, too, started out as a boy: in the original 1978 series, Starbuck – the character's actual name in that show – was played by Dirk Benedict. Though, as a clarity note, at no point in the new BSG is there any suggestion of any gender-related shenanigans: Thrace herself did not, as far as we know, start out as a boy.
I felt some affinity with some of the Cylon characters, too; and with hapless bad guy Gaius Baltar, who was mostly a bad guy out of a lack of courage to be anything else…
And ops officer Anastasia Dualla has to get a mention, too. Initially a background character, she became more fleshed out as the series went on. A competent administrator and communicator, reliable and positive in attitude, I found I connected with her because let's just move on, shall we?
The series began as a relatively straightforward action thriller, set in a society of twelve colony planets, descendents of twelve tribes of refugees from the semi-mythical planet Kobol. For a sci-fi series, very little of BSG was actually styled as sci-fi, which is something I think added enormously to the show's realism. Almost everything about the Colonial civilisation mirrored our own contemporary society: they drove cars, used mobile phones, had an Internet of sorts, drank caffeinated drinks and alcoholic drinks, and they had paperwork to do. The differences were really only small: their overall tech level was probably five or ten years ahead of ours, but not much more — except that, for reasons never explored, their society had faster-than-light travel and artificial gravity.
Kara Thrace had a Jeep at home, though. Or at least something that looked very much like one.
The Colonials had also dallied with artificial intelligence, and some time before the show's setting, had invented a line of robots they called 'Cylons'. The Cylons had proved too intelligent, had become self-aware, and had rebelled against their human creators (because does that ever NOT happen?), sparking a protracted space war between man and machine. Nobody really won, but the Cylons retreated back into the darkness of space and weren't heard from again.
The Colonial Fleet was at the forefront of the war, and in particular the giant, heavily armed and armoured fighter carriers called battlestars. As the show opens, the ageing, Cylon-war-era battlestar Galactica is being decommissioned: she's to become a museum piece; her starboard fighter launch deck has been turned into a gift shop.
Commander William Adama is about to retire. His son Lee 'Apollo' Adama, a skilled and senior fighter pilot, has been estranged from him following the death of Lee's brother Zak in a flying accident. Kara Thrace was Zak's instructor… and was also romantically involved with him. There is tension.
Into all this wanders Gaius Baltar, a brilliant scientist but a man, shall we say, lacking in moral fibre and fortitude. When a similarly brilliant, and additionally very attractive, blonde woman approaches him to 'consult' on a project, he's quite happy to hand over all the information and access his position affords him. Including the codes to the Colonies' defence network, set up after the Cylon War.
Baltar doesn't realise that Cylons have adapted. They look human now.
His lady-friend takes all his info, deactivates the defence grid, and the Cylons nuke the Twelve Colonies. The fleet yards are destroyed, all the battlestars crippled or killed – except Galactica, which was not connected to the compromised military network.
"Progress reports arriving. The farms of Aerilon are burning. The beaches of Canceron are burning. The plains of Leonis are burning. The jungles of Scorpia are burning. The pastures of Tauron are burning. The harbors of Picon are burning. The cities of Caprica are burning. The oceans of Aquaria are burning. The courthouses of Libran are burning. The forests of Virgon are burning. The Colonies of Man lie trampled at our feet."
— Cylon Hybrid after the attack
But not everybody burns. Around 70,000 humans — those in flight between the colonies, or otherwise not in reach of the Cylon strike — flee in whatever ships are to hand. The Galactica escapes. The surviving ships gather under Galactica's protection, and, jumping clear of the Cylon forces, set out on a quest to reach the rumoured colony of the legendary Thirteenth Tribe of Kobol: a planet called Earth.
The series then follows the ragtag Colonial fleet as it makes its way towards Earth, while trying to stay ahead of the pursuing Cylons. Beginning as a straightforward (if dazzlingly good) sci-fi adventure, BSG lost a lot of goodwill amongst its fans for precisely the reason it eternally secured mine. There were many references to the dominant Colonial religion in the show: characters frequently referred to 'the gods', also calling them the 'Lords of Kobol', and as the show progressed it became apparent that the Colonial gods were those of our real-world Graeco-Roman pantheon: Zeus, Athena, Artemis, and so on, with the God of War being referred to in one episode by his Roman name of Mars. As a Roman pagan of course this appealed to me: it was inspiring to see my gods treated and dealt with as familiarly amongst the Colonials as the Christian God is in modern Britain.
But also central to the Colonial mythology was the prophetic 'Book of Pythia', an ancient tome detailing a complex prophecy which appears, in some readings, to describe the Colonials' flight from danger and which informs many of the decisions made by the Colonial President, Laura Roslin, and Bill Adama, now — as the highest-ranking surviving fleet officer — de-facto admiral and commander of the military. As the story goes on, the prophetic and spiritual elements of the show begin to take a more prominent role, even to the point of a finale which a great many fans condemned as being nothing more than vague mysticism and hand-waving to get the writers out of a tight spot.
I loved the finale. With, admittedly, one minor personal tweak to what's explicitly shown and described on screen (one of those "the show doesn't rule it out" assumptions), the finale is, to my mind, absolutely spot on, and did absolute justice to everything that had gone before it.
HERE BE SPOILERS for DAYBREAK – the series finale of Battlestar Galactica. DO NOT READ ON if you haven't seen the show yet, intend to watch it, and hate knowing what's coming.
By the end of the show, the ragtag fleet has located Earth, only to find it a ravaged wasteland, uninhabited, completely destroyed in a nuclear war two thousand years before, and still irradiated. After a final confrontation with the Cylons near to a raging black hole singularity, Starbuck uses a mysterious song that several crew members have been hearing from an unidentified source as a code to plot one last FTL jump. The fleet arrives at what we recognise as 'our' Earth, where, finally, they settle, abandoning their ships and technology. It's revealed that they settled the Earth 150,000 years in our past, and that the Colonials and a faction of allied Cylon rebels, eventually interbreeding with the native humanoids, were the ancient forbears of modern humanity.
Many people have said because of this that BSG takes place in our past. I don't believe it does. I believe the finale does – but only the finale.
Starbuck fired the FTL next to a black hole, where time is known to go totally screwy. I believe the fleet jumped not only in space but also in time: they were thrown over 150 back into the past. The Earth they found – the pristine new planet they settle – is the same Earth as the radioactive desert they'd previously abandoned. Their last jump created a time loop which gave rise to the Pythian prophecy and the doctrine that "all of this has happened before". And it's why "all of this will happen again".
Again, while this isn't explicitly confirmed in the show's dialogue, I can't see a better way to wrap up an excellent storyline except by tying it into what the prophecy has been telling us all along (…the watchtower).
It's no stretch to suppose that this is what happened, and without it… well, I guess I would be with those disillusioned viewers feeling that the ending was just too contrived (two Earths? Really?). But having the show begin and end humanity's story on Earth makes it perfect.
In any event, even if you end up not enjoying the finale, I would certainly recommend watching the show anyway. It is a magnificent achievement, and its run of four seasons (three and two halves in the UK) put it far above many shows that continue to slog onwards, losing coherence and direction, for as many seasons as they can afford. For my money there are few shows that've been as gripping, as relevant and as spiritually engaging as Battlestar Galactica.


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For the past year, the Centers for Medicare & Medicaid Services (CMS) has been publishing information and proposing new regulations regarding the criticality of ensuring beneficiaries not only have access to care, but access to accurate information with which to make informed decisions about their healthcare coverage. Data Integrity is at the forefront of the initiatives enforced by government mandates, and provider data has topped the list of areas that not only need the most improvement, but the most oversight, correction, and potentially sanction. As we saw last year with the CMS network requirement changes, many plans were unprepared to submit their entire network footprint in their service area expansion applications. By moving the online directory guidance in the Medicare Managed Care Manual from Chapter 3 (Marketing) to Chapter 4 (Beneficiary Protections), CMS has solidified the fact it is no longer acceptable to have inaccuracies in an area key for members to evaluate their health plan choices and find access to care. Now is the time to set new ongoing network monitoring processes in place that ensure your CMS network submissions and Health Service Delivery (HSD) tables mirror your online provider directories, guaranteeing you are prepared to address provider and member complaints stemming from directory inaccuracies.
A recent investigation by the Government Accountability Office (GAO)[1] identified serious deficiencies in CMS' oversight and enforcement of Medicare Advantage (MA) network requirements and recommended greater scrutiny of the plans' networks. The GAO found CMS reviews less than 1% of all networks and does little to assess the accuracy of the network data submitted by plans. It was found CMS relies primarily upon complaints from beneficiaries to identify problems with networks and does not assess whether plans are renewing their current contracts to continue to meet network requirements.
For MA plans who currently have the least stringent directory requirements of all government-sponsored health plans, this means plans are only required to outreach to the providers on a quarterly basis to validate the following information is correct:
- Provider's ability to accept new patients,
- Provider's street address,
- Provider phone number, and
- Any other changes that affect availability to patients.
Although seemingly straightforward, when coupled with several other nuances, the task becomes daunting and, in some cases, an operational impossibility. Real-time updates to provider demographics, grievance resolution, reconciliation of provider location, and notation of individual providers accepting new patients are a few examples of where a simple requirement can reveal so many gaps and pose so much risk. Inefficiencies capturing, storing, and governing provider data at the onset of the contracting and credentialing processes is a place to start, but what about the historic legacy information that needs to be sanitized? Add the individual specifications and data requested by and delivered from industry vendors and delegated entities, risk adjustment, the Healthcare Effectiveness Data and Information Set (HEDIS®), behavioral health, and the large, delegated provider and academic groups that should be providing the plan with a current roster each month – this is no small task.
At this point, you might be asking yourself:
- How do we bridge the gap between understanding our compliance risk and deploying a successful change in operations to ensure the loop is closed and successfully maintained at every point in the contract life cycle?
- How do we ensure vendor partners are supporting us and aligning their business practices with both the regulatory requirements and our key performance indicators for Star Ratings, risk adjustment, care management, and member experience?
- Is it possible to fix my content management system as it exists today, or do I need to rip and replace?
Gorman Health Group (GHG) can answer these questions, and we encourage you to follow along with us as we explore these questions and how they relate to the results from the first CMS pilot audit. Next week, we will provide in-depth detail on the operational and cross-functional elements of how this regulatory change will impact the entire industry. We'll have commentary from several leading vendors in the industry and dig deeper into the downstream implications provider data inefficiencies can have on your plan as a whole. In the meantime, please contact us directly if you have questions or would like to schedule a time to meet with one of our industry experts to discuss how GHG can support your efforts to avoid risk and improve results.
[1] http://www.gao.gov/products/GAO-15-710
GHG can assess the alignment of your products, your current network, your market, and your network requirements. We'll help you track results – both positive and negative – back to related network components. From there, we assist in developing and executing a networking strategy, from contracting targets to model contract terms, to payment terms that match your budgets and the capabilities of your claim payment systems. Visit our website to learn more about how we can help you address your needs >>
The 2017 Star Ratings are out! Join John Gorman, Gorman Health Group's Founder & Executive Chairman, and colleagues Melissa Smith, our Vice President of Star Ratings, Lisa Erwin, our Senior Consultant of Pharmacy Solutions, and Daniel Weinrieb, our Senior Vice President of Healthcare Analytics & Risk Adjustment Solutions, on Thursday, October 27, from 1-2 pm ET, for a cross-functional review of the 2017 Star Ratings. Register now >>
Gorman Health Group (GHG) is offering a new capability to connect health plans and providers with social impact investors to obtain capital for clinical innovations of which many plans have only dreamed. Join us on Tuesday, November 1, from 2:30 to 3:30 p.m. ET, to learn how social impact investing can be used to improve health outcomes and Star Ratings and how your organization can benefit. Register now >>
Stay connected to industry news and gain perspective on how to navigate the latest issues through GHG's weekly newsletter. Subscribe >>


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- Preferred Stock
- Stock that gives the holder a preferential treatment over common stockholders in terms of payment of earnings. During liquidation, preferred stock gives the holders priority. Typically, preferred stock pays a fixed dividend that is disbursed before the common stock holders are paid. Generally, no voting rights are given with preferred stock.
Preferred Stock
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I'm Worried My Horse is Going to Take Off – and I'm frightened to hack out. Any suggestions?
Posted by Lorraine in nerves, nervous, nervous rider, nervous riders, Q & A on Aug 29, 2015
"I'm worried all the time I ride my horse and I'm frightened to hack out. He spooks at one end of the school and the harder I try to stop him the worse he gets. I know I need to reax but I find that even harder! Can you help?!
The simple answer is I hope so! Knowing you're nervous and trying to do something about it is a great start (So many people try to pretend that they're really OK and that's much harder to deal with.) Here are a few ideas and there are links to other posts at the bottom of this post that will help too.
I was a nervous rider years ago and I can genuinely sympathise with you. I was terrified that when I asked for canter I was going to get bucked off because it had happened three times in the past. And guess what?! Instructors pushed and
pushed me and I got really tense about it and the horse felt it and off I fell!
In the end I stopped having lessons and spent months doing many of the things I've suggested below. I find it helps more to solve nervous problems if you set your own realsitic goals – not be pushed towards them by someone else. Even the kindest instructor wil feel they should be making progress each time although you may not need to.
The first thing you need to do is stop trying too hard to tackle the things that scare you. If that means not hacking out and not using one end of the school for a bit so be it. You can ride circles at the other end and gradually 'creep' up to the spooky end when you feel more relaxed. Do some sessions in the school that are all in walk. Take the pressure off completely. There are 100s of things you can do in walk here When you do you'll start to enjoy it because you're not pressurising yourself to do better. Think about what you are happy to do. Focus on those things. Build up the relationship you have with your horse doing things you're both happy with. Confidence grows when things don't go wrong – not as so many people tell youwhen you push yourself through problems. Makes sense when you think about it! Imagine if you crashed the car every time you drove when you learned to drive?
You'd take the bus wouldn't you?!!
If you think your horse is going to take off is it because it has already happened or are you worrying about it 'just in case'? Strange as it may sound 'holding back' will make your horse go forward. It will shorten his back up, get
his hocks under his body and make him think you're about to ask for a
transition! If you take your legs off at the same time he's most likely to panic and think "What's up?!" The more relaxed your hands are on your reins the more confidence your horse will get from you. I think staying in walk in the school
and working on riding between a contact, a long rein and a loose rein will really help you to let go. Try to keep your shoulders loose – that's a great way to keep your hands and arms relaxed. If you can shrug your shoulders (to stop
them tightening up under your ears!) every time you pass a marker it will help you to stop your whole body tensing up.
When you do trot on work on riding circles and turns to keep your mind focused on something not on worrying. A great way to do that is to ride a transition, shape or change of rein as you pass every marker (even in half the school). it
makes your horse feel that you're confident and 'bossy' even if you don't think you are!
As far as hacking out is concerned when you do decide to ride out go with a friend that you trust 1000% Not someone who thinks you should toughen up – or that your horse is really safe and what are you worrying about! (I'm sure you've
heard that before?!) Ride behind them and again stay in walk or trot if you're happy. Ride on the road as there's far less chance of a horse thinking you're going to canter.
Take your time – it's supposed to be your hobby don't forget! Do whatever it takes to help you enjoy it. Never put yourself down or feel bad for your horse because you think you're making his life a misery – he'll be quite happy to just see you happier every day trust me!
Confidence has a way of creeping up on you. If you take your time you'll find you suddenly look back and remember how scared you used to be about doing things.
Good luck and don't forget to enjoy yourself!
Links to nervous riding are here –
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Tricia Despres
Stir Things Up a Little With These Sexy Champagne Jello Shots
This might be your year to try something new.
Vodka Makes Everything Better, Even Peanut Butter Cups
Yes please, may we have another?
Prepare to Get Addicted to This Almighty Christmas Crack Recipe
Someone stop us from eating all of this stuff.
Got Leftover Halloween Candy? Here's What You Should Do
Time to take advantage of all of those Halloween sales!
Maren Morris Joins Pentatonix for Christmas Song, 'When You Believe' [Listen]
They sound so great together!
See Kelsea Ballerini and the Chainsmokers Perform 'This Feeling' for the First Time on 'El…
They make quite a combo!
Kelsea Ballerini Joining 'The Voice' as Fifth Coach
She's shaking things up.
Florida Georgia Line Surprise Bebe Rexha, Fans at Teen Choice Awards [Watch]
She wasn't expecting this!
Florida Georgia Line are Embracing Global Fame After 'Meant to Be' Success
The duo says of their success: "It's a God thing."
Maren Morris Performing With Zedd, Grey at 2018 Billboard Music Awards
This is getting good!


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If stretch marks begin to appear on your legs, chances are that your perfect beach body is going to be ruined soon. Don't leave these stubborn marks untreated. These marks turn from pink or red to brown or silver over time.
Don't worry if you have spotted a few marks on your thighs and legs. There are many triggers that lead to their appearance. But the most common factors include puberty, rapid weight gain, muscle growth and a poor diet in some cases.
Preventing stretch marks requires consuming a vitamin and mineral-rich diet and adopting a regular exercise regime. Although you can't completely reverse the appearance of stubborn stretch marks, you can prevent them from spreading to affect your legs and thighs.
Who gets Stretch Marks on the Legs?
Women are more susceptible to stretch marks, especially if they are overweight. However, some women with an average body weight have also experienced these marks on their buttocks and legs.
In many cases, these marks are caused because of your genetics. This implies that if your mother had stretch marks you are likely to get them at some point in your life.
In fact, it holds true for men too. But the most common reason for stretch marks in men around the legs is rapid weight gain or muscle build-up that stretches the skin.
Your choice of removal should also depend on our treatment budget and the age/color of your stretch marks. Find out if you have silver/white or purple/red marks. Faded or white marks mean your stretch marks have considerably aged while a pinkish or reddish appearance denotes young marks.
Whatever treatment method you should use, make sure to compliment it with a healthy lifestyle. There is no reason why you should put on extra weight, especially around your waistline.
How to Cure Stretch marks on the Legs?
Exercise regularly and eat healthy to increase your intake of healthy nutrients.
Consuming generous amounts of water and fluids also gives you adequate hydration to prevent the formation of stretch marks. There's also plenty of prevention creams and moisturizers as well as oils that you can use on the affected skin area.
These products easily absorb into your legs and guarantee faster recovery. You can increase the production of collagen which is greatly needed for a healthy looking and elastic skin.
These long and narrow streaks can appear anywhere on your inner thighs and run down to your legs.
Stretch marks on the legs develop as raised or wrinkly streaks which are pink, purple or red. Later, these marks become brown, purple or red depending on your complexion.
Choosing good products and oils, eating healthy, exercising and adding enough fluids to your diet, go a long way to keep your legs free of unwanted stretch marks.
Bottom Line
The stress hormone produced by the adrenal glands, cortisol, is converted into cortisone and negatively affects the elastic fibers in your skin. An interesting finding reveals that stretch marks are likely to develop where there are more levels of circulating cortisone. Make sure you remain stress-free at all times if you want to get killer legs the natural way.


text: Add to Cart Compare Quick view shoeszoo owl light blue 6-12m S soft sole leather baby shoes MSRP: Now: $11.99 Was: New soft sole leather baby shoes. Color: light blue Design: owl Size: 6-12 months. Sole length: <></>13cm (5.1 inches), foot length up to 12.3cm (4.8 inches).<></> Brand: carozoo Leather: sheep Condition: Brand new, never... MSRP: Now: $11.99 Was: Add to Cart Compare Quick view


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India Today : Mar 23, 2019, 09:58 AM
A massive fire broke out Friday (March 22) at a nail paint factory in Northeast Delhi's Karawal Nagar area. No casualty was reported, the fire department said. The fire department received a call around 8.00 pm regarding the fire at gali number 9 in Moonga Nagar area. Thirteen fire tenders were rushed to the spot, they said, adding the fire was doused at around 11.15 pm. The reason of the fire yet to be ascertained.


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1. Expectations are always high for some quality time over a delicious meal, but it is virtually impossible on a day that "everyone and their mother" goes out to eat.
2. Servers and most other restaurant professionals consider Mother's Day "Black Sunday." Doesn't that sound inviting? I'm sure a lot of restaurant workers have/are moms and would love to spend time with their families, too!
3. Long lines, wait lists, commotion, parking woes, mediocre food, and lackluster service do not make for an awesome, relaxing day.
4. Most moms at virtually any stage of motherhood would probably rather kick their feet up and have YOU wait on them all day, rather than some stranger in a restaurant.
5. Your mom just wants to hear from you, hopefully hang out with you, have a conversation with you, and wrap her arms around you if she can. Presents and flowers are a nice gesture, but going through the hustle and bustle of another Mother's Day Brunch isn't the only way to show you care.
Here is the secret to a stress-free Mother's Day (at least for Mom!): Get/make her a sappy card with a handwritten note, make her a nice meal, cater to her, and then do the dishes. You might have to put in a little extra effort, but the payoff will be worth it!
I'm sure many of you noted the social media campaigns to reconsider shopping on Thanksgiving or Black Friday last year. To shed light on the intensified level of consumerism, shoppers were encouraged to stay home with their families so retail workers could also be home with theirs.
It did not stop the teeming masses from bargain hunting on Thanksgiving Day or Black Friday, but it did bring awareness to the issue of fairness for retail workers. Obviously, not everyone can have every holiday off- the world does not stop turning for a stuffed turkey with a side of gratitude and family angst.
But, it does shed some light on the plight of the hospitality professionals who trudge through Mother's Day, overworked and overwrought. One could argue: "it's their job, at least they make tips, it's just a made-up holiday, it's good money for the restaurants etc…" However, I can personally attest to some real horror stories of Mother's Day antics by customers that left at least one of my colleagues in tears.
Battered by the onslaught of loving children yearning to show their moms some love through a family meal, waitstaff can be the obvious scapegoat when things go horribly wrong. Because restaurants can likely turn over double the amount of tables on a busy day like Mother's Day, not every establishment is equipped to handle the deluge. Some restaurants do it well, but not many!
That being said, if you LOVE to go out on Mother's Day, that's fine and maybe I'm wrong. Then again, this is the clarion call of someone who has been in the hospitality business for a long time. I just wonder if all the hullabaloo is all really worth it for both moms and restaurant workers…
by LizaMarie Parker


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2 weeks ago, FIL & MIL bought lanterns for Amber. It's the second lantern they bought this year. First was a Ben 10 and now a new one, a ladybird with the open close flaps, very nice, I must say.
She loves it so much, played with it amidst the large Raya crowd at Mid Valley (and annoying everyone .... hahahaha )
Yuen Wen cheh cheh and Amber
When the 2 girls get together, they are noisy, cheeky and most imporantly, HAPPY !
When we left Mid Valley, passed by Dunkin Donuts for some samples. The tiny munchkins are just nice for a bite, no need to buy one box, save money and save calories too !
We didn't buy any mooncakes this year for ourselves, just some for our parents and brothers/sisters. My sis gave me some Tai Thong mooncakes and that'll be enough for me. I'm looking forward to celebrate the festival at my in-laws this weekend coz plenty of opportunity to take photos again with colorful lanterns and I've also bought a box of sparklers for the kids to play.


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In May of last year, Juho relayed news of a free form 3D printer called Mataerial, by Petr Novikov and Saša Jokić from the Institute for Advanced Architecture of Catalonia (IAAC) and Joris Laarman Studio. The machine, a material extruding robot arm, can print layer by layer onto any surface at any angle by using a fast-curing resin. Since then, the project has evolved to print metal.
Joris Laarman Lab, in partnership with Acotech, the team upgraded their resin printer, now called MX3D-Resin, by outfitting the robotic arm with an advanced welding machine. The new MX3D-Metal is capable of fusing bits of molten metal, like "steel, stainless steel, aluminium, bronze or copper without the need for support-structures".
At the same time, and with support from Autodesk, the team is working on the machine's accompanying software, saying, "The combination robot/welding is driven by different types of software that work closely together. This will eventually have to end up in a user friendly interface that allows the user to print directly from CAD. We are developing printing strategies for the different kinds of 3D printable 'lines'. For instance, vertical ,horizontal or spiraling lines require different settings, such as pulse time, pause-time, layer height or tool orientation." Enough talk, here's the thing in action!
Unfortunately, the printing process is rather slow, as the metal has to cool enough to continue extruding. To make up for it, the MX3D can print in any direction and is freed from the confines of an enclosure. This means that the theoretical size of the machine's print volume is limitless, like its predecessor. Of course, there are still safety precautions that need consideration, what with the molten metal and everything. Still, the possibilities for such a machine are mind-blowing.
The MX3D-Metal machine is, in some ways, a magnified version of the Michigan Tech open source 3D metal printer. One wonders if maybe that's where the Joris Laarman Lab got the idea. One also wonders what other 3D metal printers are in the mix for this year.
Source: Joris Laarman Lab


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Save Your Marriage: What To Do When Your In Laws Are Against You
Here's the next video in our blog series "Dr. Dana Answers Your Questions." Today's question is from MJ: "We've been together 19 years. His family dislikes me and are coercing him to leave me and our two children. I get that they don't like me but I can't do anything about it. I don't understand why he is putting their opinion above all we've shared in this relationship."
Please comment below the video to ask your own questions or just to let us know what you think. We're frequently shooting new videos and will answer the top questions as part of this ongoing series.
Check Out Our Video: How To Regain the Love, Rekindle Passion and Save Your Marriage


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Posts Tagged 'Paul Smith'
Several hundred aging hipsters, baby boomers and a few relative youngsters packed the First Parish Church in Harvard Square on Friday, December 2, 2011 to see San Francisco Bay area legends, Dan Hicks and the Hot Licks. The Cambridge concert was the Boston area stop on the band's "Holidaze in Hicksville" tour. A few minutes […]
Filed under: Columns & Essays, Feature stories, Humor, Reviews | Leave a Comment
Tags: 2011, Benito Cortez, Cambridge, Cambridge MA, Cambridge Massachusetts, concert, Dan Hicks, Dan Hicks & the Hot Licks, December 2 2011, First parish Church, Harvard Square, Heptunes, Lickettes, music, Paul Smith, review, sing, songs
Performance on Friday, November 21, 2009 in Cambridge, Massachusetts The line was already forming outside the First Parish Church as I cruised by at 7:15 p.m. in what I knew would be a vain attempt to find a parking space. I parked in a garage at the other end of Harvard Square and walked back. […]
Filed under: Art, Columns & Essays, Humor, Reviews | Leave a Comment
Tags: Boston, Cambridge, Cambridge MA, Cambridge Massachusetts, concert, Dan Hicks, Dan Hicks & His Hot Licks, Dan Hicks & the Hot Licks, Dan Hicks and the Hot Licks, Daria, Dave Bell, First Parish Church Harvard Square, Harvard Square, music, Paul Smith, Richard Chon, Roberta


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For my part, though, what comes to mind is that churches I've attended, including the one I'm a member of now, have security teams whose task is to wander around the building while it's being used to watch for things going awry. My pastors simply know that if things get out of hand, people simply won't come back.
And as such, it strikes me that if the hotel in Las Vegas had had the same kind of thing going on, the police likely would have found the shooter much more quickly, possibly saving a number of lives. Yes, you've got the cultural issue of "what happens in Vegas stays in Vegas" and all that, but on the flip side, the city can only afford so many disasters before people start
Really, if sending a hotel employee to discreetly walk through the halls every 10-15 minutes would put that much of a crimp in their style, that's all the more reason to do so.


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- Difficulty Level Easy
Fried calzone recipe with ham and mozzarella is the perfect pizza recipe to enjoy on a saturday night.
Watch video recipe:
Awesome and Delicious Fried Calzone Recipe with Ham and Mozzarella
100gr Vincenzo's Plate pizza and bread dough
2 slices of Ham
Buffalo mozzarella/ fior di latte OR bocconcini (cut into cubes)
3 basil leaves
Sunflower oil for frying
Dried herbs
Wooden board
Paper towel
Rolling pin
To begin, you need to prepare my bread and pizza dough. Click here for the homemade recipe!
1. Start by putting a small amount of flour on the board and spreading it out.
2. Place the ball of dough in the centre and using the tips of your fingers, pass down and start opening it up into a circle. Turn it over and do it again making sure there is enough flour on both sides.
3. Using the rolling pin rollover the dough one way and then the other.
4. Add some flour on top and repeat.
5. Don't worry about making it too big, just a medium size and not too thin.
6. Create a layered line of mozzarella right through the middle.
7. Roll up the slice of ham and put it on top of the cheese. Add another piece rolled up too.
8. Break up the basil leaves and place then on top of the ham keeping the filling away from the edges.
9. Rollover one half of the dough over the top of the filling to meet the other side and press the edges together with the balls of your fingers.
10. Pull at the edges of the dough to help them meet then turn it over and spread some flour on top
11. Using a fork, press down around the edges of the calzone. Be careful not to make any holes but this will help it close so the oil doesn't get inside when you fry it
12. Turn it over and repeat.
13. Put a fry pan on the stove and fill it ¾ with oil (Heat the oil so it is ready).
14. Drop the Calzone into the hot oil and it should be bubble as it starts to cook.
15. Use tongs to turn it over after 2 minutes.
16. The Calzone will start to brown so you can tell, it is cooking and it always depends on temperature of oil.
17. Using a utensil with holes in the bottom, lift at the Calzone and let the oil drain out. Place it onto paper towelling so it takes out more of the excess oil. Pat the top of the Calzone with the paper towel to get rid of oil from the top.
Tip: If Desired: Drizzle some extra virgin olive oil on the top and sprinkle dried herbs on it.
You can also place a basil leaf on the side for presentation.
Awesome and Delicious Fried Calzone Recipe with Ham and Mozzarella
E ora si mangia, Vincenzo's Plate


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$23.00 Incl GST
or 4 payments of $4.75 with Afterpay
1 in stock
Big News by Sweet Stamp Shop is a 6″ x 4″ clear photopolymer stamp set, which includes 7 stamps (4 sentiments + 3 images). If you have something to announce, this set will help you do it! It works nicely with Chickadee Love, but you could also use it to embellish a family group photo layout, and mix and match stamps & sentiments from so many different sets for any occasion.
A clear acrylic block or stamp positioning tool will be needed to stamp with these.
Is this on your shopping list, but out of stock? No problem. Just click / tap on the Pre-order tab on the website and fill out the pre-order form, and I will be happy to order this in and reserve it for you if possible.
Additional information
|.039 kg
|19.5 × 11.5 × .5 cm
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or 4 payments of $4.75 with AfterpayAdd to cart
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or 4 payments of $4.49 with AfterpayAdd to cart


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I am really torn with how I feel about The Boy Next Door by Ella James. On the one hand, I couldn't put this book down. I read it in pretty much one sitting, only stopping because I had to go to bed so I could go to work the next day. I had to know how everything would play out for these two and I didn't want to stop reading. On the other hand though, there were some things that just didn't work for me and that is what kept me from being able to really love this one.
Dash was Amelia's hero from the moment they met, when he saved her on one of the worst days of her life. She quickly became best friends with his sister and the three of them grew almost inseparable. One night everything changed between them though, and Amelia's world was once again turned upside down when he left and broke her heart. Now years later Amelia has landed an internship that could turn into her dream job at a film studio, but the lead animator on the project is none other than Dash. He is no longer the boy next door though, and his secrets could ruin them both.
I felt the connection between Dash and Amelia right off. These two had a lot of chemistry and it was clear that they had very strong feelings for one another. The problem for me though was how weak both of them were. Amelia let Dash walk all over her, forgiving him with little to no remorse or consequences for the way he treated her. Dash was a bit depressing if I am honest, and spent the whole book being propped up by a character who was almost as weak as he was. Amelia let him get away with so much and was beyond understanding and gave him so many chances, yet he continued to be unable to let her in or even be honest with her. While they had chemistry and things were hot between them, I really felt like the chemistry and connection wasn't enough here. I just wanted more substance. I also really wanted to see more light hearted and sweet moments between these two. Things were so serious and depressing at times that the mood on this one was kind of a drag. I wanted to see some scenes that would have shown them growing close again in a sweet or fun way to sort of break up the super emotional stuff.
The other big thing that kept me from loving this book was this huge secret that had been kept all book long. It didn't come out until the very end of the book, which felt far too little too late for my taste. Not only did I not really feel sorry for Dash like I feel I was supposed to (he was old enough to grasp what he was doing and his excuses were just that...excuses) but I also felt like because it came out so late it was basically just brushed aside as though all that had happened was no big deal. Of course Amelia just got over it super quick and everything was tied up in a neat little bow. It just didn't feel genuine and I found the entire thing to be a let down after so much build up. Like I said though, this book was one I didn't want to put down and Ella James is a great writer. She knows how to draw you in and keep you turning pages until you have devoured the entire book. That being said though, this wasn't my favorite book of hers.
**ARC Provided by The Next Step PR**
Purchase: | Amazon |


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ESL Teacher at Primary School
Posted 284 days ago ·
Work LocationShenzhen( 深圳),Chinese RequiredNoExperience Required2 Years
QualificationBachelor DegreeSalary (Monthly CNY)21000 - 35000Contract TypeFull Time
Job FunctionsEducation, Teaching
We are looking for passionate English Teachers to join our mission. If you are energetic, positive, flexible, efficient, and want to be a part of an amazing team, our campuses could be the perfect fit.
Basic requirements for candidates:
- Genuine passion for the subject, with an interdisciplinary outlook, preferably with research experience;
- A bachelor's degree, with master's or more advanced degree preferred;
- Professional certification, or the equivalent in education, training or experience;
- Over two years of international school teaching experience, with overseas educational background preferred;
- Commitment to a student-centered approach or project/problem-based learning (which encourages students to think both creatively and critically);
- Willingness to collaborate, to engage in teamwork, to contribute actively to the department and to interact with other departments in interdisciplinary ways, with cross-office cooperation;
- Sufficient computer skills to carry out professional work with students and colleagues;
- Willingness to assume the necessary and formal duties of mentoring students, advising student clubs and activities, academic tutoring, supervising evening self-study (study halls) and/or otherwise supporting the House boarding system, etc.
Salary and benefits
- Competitive salary of 21,000 to 35,000 RMB/ Month
- Health insurance
- Visa support
Skills: The Great Books
Language: Native efficiency in English


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Happy to be Alive, Because by Chelsea Jacobs
From the back cover:
Avery is a seventeen-year-old girl whose reality has just been shattered by the death of her mother. Feeling a desperate need to flee from what has become her life, she follows a travel plan mean for her mom and her that leads her to the little beach town where her mom grew up.
It's there that she meets a group of three adventurous friends who adopt her into their circle, allowing her to experience a summer she never thought would be possible after suffering such a great loss. Unfortunately, her summer full of experiences threatens to end abruptly when she realizes that one of the three has a secret that causes her to question everything about the new life she has been building.
Avery must learn to balance her grief and her desire for a future in order to achieve her mother's final wish for her: That she would be happy to be alive.
My thoughts:
Unfortunately I could tell from the first chapter that this was a self-published book. I wanted to like it but the writing was just not good. The story idea is a good one, the journaling is a beautiful idea. The way it was written is not. The dialogue was uninteresting and hard to read. I didn't make it through the entire book and ended up skimming it just to see how it all ended. The "big secret" wasn't that big.
Since this is YA fiction I do think that the younger audience will enjoy it more than an adult reader. I can see junior-high girls really liking this book.
For YA fiction I prefer Jenny B. Jones and Melody Carlson.
This book was provided for review by LitFuse.


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Russian Charter Flights to Kish and Isfahan
600 Russian Weekly Trips to Iran
The most important tour operators in Russia have come to Iran to visit the attractions of Tehran, Kish, Isfahan to start the arrival of Russian tourists to Iran with charter flights to Iran.
"The Russian-Iranian relations are expanding every day, as President Putin's emphasis on Russian travels to Iran, until the approval of the country's tourism agency on this issue, shows that the Russians are also willing to visit Iran", according to Mehr News Agency. The president of the Russian Tourism Organization also said that the Islamic Republic is one of the safest countries for Russian tourists. Safonov also announced the motivation of about 30 million Russian tourists to travel, saying that familiarity with Iran, rich history and culture, the opportunity to buy Iranian carpets and other handicrafts can be the important goals for Russian cultural tourists. Safranov has also announced the most urgent step to be taken by Tehran, the opening of the Bureau of Iran's Visiting in Moscow by the Cultural Heritage and Tourism Organization, as well as the extensive activities of Iranian companies related to Russian cyberspace, media and television.
The private sector also took advantage of this opportunity, and this time opened the Russian travel market to see Iran. This time, the Russians are supposed to come to Kish Island, especially in the season they are without sun, and Kish has the best weather for them.
Now the private sector has been working with several Iranian hotels and airlines to launch this time to invite touring Iran tourists to Iran and show the attractions of the cities of Tehran, Isfahan and Kish. From now on, these cities will be visited every two weeks. Times host Russian tourists.
On the same token, on Friday night a 32-member group of the most important tourists and tourists from Russia came to Tehran. There are 8 people from the city of Ufa, nine from the Republic of Tatarstan and the rest from Moscow. They visited attractions such as the Golestan Palace in Tehran and are now scheduled to continue their weekly trip to Kish, from there to Isfahan, Kashan and Abyaneh, and then settle in one of the hotels and go back to their country. The cost of Russian tourist tours will be highlighted on the trip, and the shortcomings and drawbacks of the tour will be announced by these individuals and will eventually be considered in Tehran at the meeting. After the end of the trip, these tour operators will take the necessary steps for the travel of the next group of Russian tourists.
Following this, it will be a two-day Iranian flight from Tatarstan to Kish and from Isfahan to Tatarstan with a capacity of 600 people each week. Iranians can also use this route, but the main purpose of launching this flight is to travel to Russia.
In this regard, Yaghoub Ghassemi, who works in the field of Russian and Kish tourism and tours, told the Mehr News Agency: "We had previously met with the President of Tatarstan, and we had said that we wanted to launch the Kish-Russian airline. They also had agreed that they want that the city of Mashhad will also be added to these routes. We can also have the Russian Muslim market."He continued: Russia's top tourism managers have already come to Iran and have seen the attraction of Kish. They were amazed by clean water, the conditions of the tour and the sunshine of the island of Kish. Some say that the number of Russians is limited in Iran and do not come to Iran, but this is not true, by the way, we have asked the Russian Tourism Chief of Russia to enter Iran.
We hope that good things occur in the future for both of the countries in tourism and collateral ties between the two nations of Russia and Iran and the tourism sector and industry of both nations flourish in the near future.


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The right walking cane can make the difference between a person's independence and their reliance on the help of others. Knowing how to properly use the cane is essential in making that difference. Whether you're dealing with the aftermath of surgery or want to improve your mobility overall, learn how to use your fashionable cane while going up and down stairs with these tips.
Walking Up
The first rule of walking anywhere with a cane is to identify your good leg. When you're facing a staircase, take the first step with this leg. Then, place your cane on the step and gently bring up your weaker leg. Continue ascending the staircase by taking each step one at a time in this way. Take care to not turn sideways or attempt to go up the stairs at an angle. Though it may seem easier at the time, both of these methods can compromise your ability to safely climb stairs.
Walking Down
Going down stairs can be an even more daunting task than going up. Unlike ascending stairs, you will want to lead with the leg that doesn't perform quite as well. Take a deep breath, get a good grip on your fashionable cane, and place the cane on the first step. Then, you will put your weaker leg forward first. This method allows gravity to move the leg for you while your cane and good leg take on the force of descending. When going down stairs, you still want to be sure that you face the staircase head-on rather than angling your body.
Handling A Handrail
A staircase with a handrail will be your new best friend. This sturdy support is going to make your journey up or down a set of stairs much more simple. When you have a handrail at your disposal, hold your cane on the side of your body opposite the handrail. Even if this side isn't the one you would typically use your cane with, making a temporary switch will allow you to hold both stabilizers at the same time.
When there is not a handrail on the staircase, you'll need to move carefully. Use the same techniques as outlined above when ascending or descending a staircase. Rely fully on your fashionable cane and take as much time as you need. If you're concerned about tackling a handrail-less staircase, practice on one with a handrail beforehand. This will allow you to simulate the experience, but still have the stability if you need it.
Over two million senior citizens visit the emergency room every year for injuries resulting from a fall. Avoid these accidents by knowing how to handle walking canes in tricky situations such as stairs.


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Whatever Floats your Boat
Whatever floats your boat might just power your lights and feed your family. The Mekong is a trans-boundary river in Southeast Asia that functions as a source of food, water, power and transportation. It is the world's 12th largest river. This image of life on the Mekong within Vietnam was submitted by Connie S.