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Tickets are Transferable to other games. In the event of a Rain Delay, your ticket will be good for any future game in the Regular Season.
The London Majors are an independent, minor league baseball team of the Intercounty Baseball League. The team was founded in 1925, and is based in London, Ontario. The Majors play their home games at the 5,200 seat Labatt Memorial Park. Get your 2020 Single Game Tickets HERE!
Come out to see some baseball, enjoy the atmosphere, the summer weather, some food and drinks! It's the perfect evening or weekend day outside with Friends and Family!
Terms & Conditions
SeatGIANTEvents.ca ("SITE") Tickets sold through SITE are from SeatGIANT's direct Inventory and acts as the Primary Seller for any SeatGIANT Events. Tickets are powered and exclsuively sold through SeatGIANTEvents.ca.
The following are the rules or "TERMS" that govern use of the SITE by USER, the USER of the SITE ("USER"). By using or visiting the SITE, USER expressly agrees to be bound by these TERMS and to follow these TERMS and all applicable laws and regulations governing the SITE. SeatGIANT.com reserves the right to change these TERMS at any time, effective immediately upon posting on the SITE. If USER violates these TERMS SeatGIANT.ca may terminate USER's access to the SITE, bar USER from future use of the SITE, cancel USER's ticket order, and/or take appropriate legal action against USER.
Face Value
Tickets sold through SITE are a primary market TICKET SELLERS and are being sold at "Face Value". All ticket prices include additional provincial sales tax as well as service charges and handling fees as defined on each order. By agreeing to these TERMS, USER agrees that the purchase price for tickets on their order reflects the original purchase price of the ticket.
Orders placed through SITE will be fulfilled by Seat Giant Inc and SeatGIANT Events directly. Contact information for the USER may be stored for the sake of the purchase order. The USER may contact email@example.com to retrieve information about the order at any time.
All sales are final
Since tickets are a one-of-a-kind item and not replaceable, there are no refunds, exchanges or cancellations. If an event is postponed or rescheduled, tickets will be honored for the rescheduled date. New tickets will not need to be issued. If an event is cancelled without a rescheduled date, USER will need NOT need to contact Seat Giant Inc for a refund. An automatic refund will be issued including sales taxes but not including any service fees already collected. Any handling charges or service fees are not refundable. Refunds will be processed in the same currency as the original order. Neither SeatGIANTEvents.ca nor the VENUE will issue exchanges or refunds after a purchase has been made or for lost, stolen, damaged or destroyed tickets. When USER receives tickets, USER should keep them in a safe place. Please note that direct sunlight or heat may damage tickets.
All prices are in Canadian Dollars (CAD) unless otherwise specifically stated. SITE cannot confirm the price of an item until after an order is completed by USER. Despite SITE's best efforts, a small number of the items listed on the SITE may be priced incorrectly. If the FULFILLER discovers an item's correct price is higher than the stated price, the FULFILLER will either complete the order at the original price, contact USER to inform them of different price with an option to purchase, or cancel USER's order and notify USER of such cancellation.
Schedule of Fees and Charges
The price charged to USER's credit card beyond the price of the individual tickets shall include the following fees and charges:
Service Fee: Cost per ticket associated with SITE operation, customer service center operation, and other costs associated with the fulfillment of USER's ticket request.
Sales Tax: The local provincial sales tax of the province in which the event takes place will be collecte don behalf of the SHOW and VENUE.
Delivery: (if any) Costs associated with the Delivery Method chosen by USER and the SITE's arrangement of USER's ticket delivery.
Total: Entire amount charged to USER, including each ticket's price as set by the FULFILLER, Service Fee, Taxes and Delivery.
Ticket Prices stated on the SITE do not include any provincial or other local taxes that may apply to USER's order. Taxes will be added at checkout and be including in the TOTAL Purchase price at the bottom of checkout.
Credit Card Charges
USER's credit card will be charged by Seat Giant Events. If USER has any questions about charges on USER's credit card statement, USER should contact SITE at email@example.com or direct.
Disputed Charges
USER is responsible for any and all legal fees incurred by USER, and/or SITE associated with USER's disputed charges and chargebacks for purchases made on SITE. In no event will SITE be responsible for such legal fees.
Event Listings
SITE does not guarantee the accuracy of event information on SITE including but not limited to event name, event location or venue, event start time, or event date.
Ticket Holder Behavior Policy
The USER agrees to abide by all rules and policies of the venue where the event is located relating to conduct and behavior. Should USER be ejected from the event for failure to abide by the venue's rules and policies, USER shall be subject to all applicable fines and legal or other expenses associated with the ejection. Further, should the ejection result in the loss of the USER's right to use any other tickets at that venue, or the right to purchase other tickets from that venue, USER shall be held liable for all reasonable costs, expenses, and losses associated with said loss, including but not limited to all direct, indirect, vicarious, consequential, exemplary, incidental, special or punitive damages, including lost profits.
Ticket Availability
SITE cannot guarantee ticket availability until USER is in possession of their tickets. Generally, all ticket listings on SITE are a unique set of tickets from the VENUE. Some ticket listings on SITE may only be representations of available tickets, however, can not be responsible for specific oversold tickets or wrong seating in designated seated venues.
Occasionally tickets ordered may no longer be available at the price or in the quantity originally ordered at the time the order is received. If equivalent or better seat locations are available at the same price, the SITE will fill the order with the alternative seat locations. If no alternates are available, either the USER's credit card will not be charged at all or the entire amount will be refunded, and USER will be notified that the ticket request has been cancelled.
Fraudulent Use
In order to protect USER from fraud, USER may be required to provide additional proof of identify on any order. Proof of identity may include but is not limited to a signed credit card authorization and/or photocopies of public documents such as a provincial driver's license or passport.
All orders are shipped to USER using the delivery method chosen for the order. Most orders are shipped the same business day in which they are received. Orders placed after business hours may be shipped on the next business day. Shipments may require direct signature at the point of delivery.
Delayed Shipment
Event tickets are generally delivered according to the delivery method selected at the time of ticket checkout. Most orders are shipped the same business day in which they are received or, if placed after business hours, orders may be shipped on the next business day. However, tickets may not always be available for immediate delivery, particularly in cases when the tickets have been purchased far in advance of the event in question or for certain events including but not limited to the following: all off-season orders for professional sporting leagues, concerts, and Las Vegas events tickets. While most tickets are delivered within three business days of the delivery method chosen, this does not imply a guaranteed delivery date. In these situations tickets may be marked with an estimated ship date. USER will be provided with account access information that will allow them to view the status of their order and tracking information, if available, after purchase. In the case where tracking information is not available USER may contact a representative of the FULFILLER for shipment information or an estimated delivery date. Tickets will be shipped when available, and choice of an expedited delivery method does not guarantee that tickets will be shipped immediately. USER should check the order notes for the estimated delivery date.
International Shipping
Should USER be located outside of Canada, USER must choose an International Delivery option. If a domestic shipping option is chosen for an order to be shipped outside Canada, the shipping cost will be adjusted by the FULFILLER after the order is placed to use the International Rate.
Delivery Verification
If USER specifies a shipping address that does not allow for Delivery Verification, such as a Post Office Box, USER may be required to pay an additional fee to cover the additional risks associated with this type of order. If such a shipping address is used, the FULFILLER will, at their discretion, either contact USER about the additional fee prior to shipping or cancel USER's order and notify USER of such cancellation.
E-Ticket Instant Download
Electronic tickets or "e-tickets" marked as "Instant" may not be available for immediate download in all circumstances. Due to potential fraud concerns, some "Instant" e-ticket purchases may be downgraded to regular e-ticket download to allow for additional processing. In such cases, USER will receive notification with USER'S receipt explaining that USER'S order has been downgraded to regular e-ticket download.
E-Ticket Download
Electronic tickets or "e-tickets" may not be available for immediate download. After placing an order, USER will receive an email with instructions on how to download the tickets; therefore, it is important that USER provides accurate email address information during the order process. The USER will be required to enter order specific credentials to gain access to the tickets, and USER must have access to a printer from which to print the tickets. USER is responsible for contacting Customer Support should USER not receive the email instructions, be unable to download the tickets, or be unable to print the tickets. Neither SITE nor FULFILLER will issue refunds for USER'S failure to provide a correct email address or failure to print the tickets.
Will-Call Option
USER must pick up the tickets at the box office of the venue approximately one hour before the scheduled start of the event. USER will need to bring a government-issued ID in order to claim the tickets. Should USER encounter a problem at the box office, USER must contact FULFILLER for assistance.
Permitted Use
USER agrees that USER is only authorized to visit, view and to retain a copy of pages of this SITE for USER's own personal use, and that USER shall not duplicate, download, publish, modify or otherwise distribute the material on this SITE for any purpose other than to review event and promotional information, for personal use, or to purchase tickets or merchandise for USER's personal use, unless otherwise specifically authorized by SITE to do so. USER may not use any robot, spider, scraper, offline reader, site search/retrieval application or other manual or automatic device, tool, or process to retrieve or in any way reproduce, circumvent, or interfere with the Site or its contents, nor may USER use any automated software or computer system to search for, reserve, buy, or otherwise obtain tickets from SITE. USER may not submit any software or other materials that contain any viruses, worms, Trojan horses, defects, date bombs, time bombs, or other items of a destructive nature. The content and software on this SITE is the property of SITE and/or its suppliers and is protected by Canada, U.S. and international copyright laws.
The SITE may automatically produce search results that reference or link to third party SITEs throughout the World Wide Web. SITE has no control over these sites or the content within them. SITE cannot guarantee, represent or warrant that the content contained in the sites is accurate, legal and/or inoffensive. SITE does not endorse the content of any third party site, nor does SITE warrant that such sites will not contain viruses or otherwise impact USER's computer systems. By using the SITE to search for or link to another site, USER agrees and understands that USER may not make any claim against SITE for any damages or losses, whatsoever, resulting from use of the SITE to obtain search results or to link to another site. If USER experiences a problem with a link from the SITE, USER should notify SITE at email@example.com and SITE will investigate USER's claim and take any actions SITE deems appropriate at SITE's sole discretion.
Violation of the Terms
SITE, in its sole discretion, and without prior notice, may terminate USER's access to the SITE, cancel USER's ticket order or exercise any other remedy available to it. USER agrees that monetary damages may not provide a sufficient remedy to SITE for violations of these terms and conditions and USER consents to injunctive or other equitable relief for such violations. SITE may release USER's information by operation of law, if the information is necessary to address an unlawful or harmful activity against SITE. SITE is not required to provide any refund to USER if USER is terminated as a user of this SITE.
Intellectual Property Information
For purposes of these TERMS, CONTENT is defined as any information, communications, software, photos, video, graphics, music, sounds, and other material and services that can be viewed by users on our site. This includes, but is in no way limited to, message boards, chat, and other original content. By accepting these TERMS, USER acknowledges and agrees that all CONTENT presented to USER on this site is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws, and is the sole property of SITE and/or its Affiliates. USER is only permitted to use the CONTENT as expressly authorized by SITE or the specific CONTENT provider. Except for a single copy made for personal use only, USER may not copy, reproduce, modify, republish, upload, post, transmit, or distribute any documents or information from this site in any form or by any means without prior written permission from SITE or the specific CONTENT provider, and USER is solely responsible for obtaining permission before reusing any copyrighted material that is available on SITE. Any unauthorized use of the materials appearing on this site may violate copyright, trademark and other applicable laws and could result in criminal or civil penalties. Neither SITE nor SITE's affiliates warrant or represent that USER's use of materials displayed on, or obtained through, SITE will not infringe the rights of third parties. All other trademarks or service marks are property of their respective owners. Nothing in these TERMS grants USER any right to use any trademark, service mark, logo, and/or the name of SITE or its affiliates.
SITE reserves the right to terminate the privileges of any USER who uses this SITE to unlawfully transmit or receive copyrighted material without a license or express consent, valid defense or fair use exemption to do so. After proper notification by the copyright holder or its agent to SITE, and confirmation through court order or admission by the USER that they have used this SITE as an instrument of unlawful infringement, SITE will terminate the infringing USER's rights to use and/or access to this SITE. SITE may, also in SITE's sole discretion, decide to terminate a USER's rights to use or access to the SITE prior to that time if SITE believes that the alleged infringement has occurred.
Limitation on Liability
USER acknowledges that SITE is a venue allowing people to buy and sell tickets to concert, sporting and entertainment events. SITE is not involved in the actual transaction between buyers and sellers. While SITE may help facilitate the resolution of disputes, SITE has no control over the content of the tickets listed on SITE, the truth or accuracy of such listings, the ability of the FULFILLER to sell tickets, or that USER and FULFILLER will actually complete a transaction. Regardless of this provision, if SITE is found to be liable, SITE'S liability to USER or any third party is limited to the greater of (a) any amounts due under SITE's limited guarantee when applicable, (b) the amount of fees in dispute not to exceed the total fees of the transaction, or (c) $100.
Except in jurisdictions where such provisions are restricted, in no event will SITE be liable to USER for any indirect, vicarious, consequential, exemplary, incidental, special or punitive damages, including lost profits, even if SITE has been advised of the possibility of such damages. USER further agrees that the maximum available remedy on any successful claim is the greater of the choices listed in the paragraph above. Some jurisdictions do not allow the disclaimer of warranties or the exclusion or limitation of incidental or consequential damages, so the above limitation may not apply to USER.
USER agrees to indemnify and hold SITE, its subsidiaries, affiliates, officers, agents and other partners and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of USER's use of the SITE, including also USER's use of the SITE to provide a link to another site or to upload content or other information to the SITE.
Governing Law
USER agrees that any controversy or claim arising out of or relating to the use of SITE will be governed by the laws of the State or province with they reside, without regard to its conflict of law provisions. User agrees to personal jurisdiction by venue in the state and federal courts.
Arbitration and Dispute Resolution
Any controversy or claim arising out of or relating to the use of the SITE, or any alleged breach of these policies, shall be resolved through binding arbitration in the jurisdiction of SITE's headquarters, and administered by the Arbitration Association in accordance with its Commercial Arbitration Rules including the Optional Rules for Emergency Measures of Protection. SITE will pay all filing, administration, and arbitrator fees for any arbitration initiated in accordance with the notice requirements above for claims for $10,000 or less. If, however, the arbitrator finds that either the substance of USER'S claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all such fees will be governed by applicable Arbitration Association Rules. In such case, USER agrees to reimburse SITE for all monies previously disbursed by SITE that are otherwise USER'S obligation to pay under the Arbitration Association Rules. In addition, if USER initiates an arbitration in which USER seeks more than $10,000 in damages, the payment of these fees will be governed by the Arbitration Association Rules. SITE and USER agree that the arbitration will be conducted solely on the basis of documents submitted to the arbitrator or through a telephonic hearing. SITE and USER shall both participate in the selection of an arbitrator. Any award issued through arbitration is enforceable in any court of competent jurisdiction.
IF USER DOES NOT WISH TO BE BOUND BY THIS ARBITRATION PROVISION, USER MUST NOTIFY SITE IN WRITING WITHIN 30 DAYS OF THE DATE THAT USER PLACES AN ORDER ON SITE. USER'S WRITTEN NOTIFICATION TO SITE MUST INCLUDE USER'S NAME, ADDRESS AND ORDER NUMBER AS WELL AS A CLEAR STATEMENT THAT USER DOES NOT WISH TO RESOLVE DISPUTES WITH SITE THROUGH ARBITRATION. WRITTEN NOTIFICATION SHOULD BE EMAILED TO: email@example.com
Any arbitration or trial by a judge of any claim will take place on an individual basis without resort to any form of class or representative action ("CLASS ACTION WAIVER"). Regardless of anything else in this Arbitration Provision, the validity and effect of the CLASS ACTION WAIVER may be determined only by a court and not by an arbitrator. USER and SITE acknowledge that the CLASS ACTION WAIVER is material and essential to the arbitration of any disputes between the parties and is non-severable from the agreement to arbitrate claims. If the CLASS ACTION WAIVER is limited, voided or found unenforceable, then the parties' agreement to arbitrate shall be null and void with respect to such proceeding, subject to the right to appeal the limitation or invalidation of the CLASS ACTION WAIVER. USER AND SITE ACKNOWLEDGE AND AGREE THAT UNDER NO CIRCUMSTANCES WILL A CLASS ACTION BE ARBITRATED.
All claims brought by USER against SITE must be resolved in accordance with this Arbitration and Dispute Resolution Section. All claims filed or brought contrary to this Arbitration and Dispute Resolution Section shall be considered improperly filed. Should USER improperly file a claim, SITE may recover attorneys' fees and costs up to $1,000CAD from USER, provided that SITE has notified USER in writing of the improperly filed claim, and USER fails to promptly withdraw the claim after USER receives notice of improper filing from SITE.
Force Majeure
SITE shall not be deemed in default or otherwise liable under these rules and policies due to its inability to perform its obligations by reason of any fire, earthquake, flood, substantial snowstorm, epidemic, accident, explosion, casualty, strike, lockout, labor controversy, riot, civil disturbance, act of public enemy, cyber-terrorism, embargo, war, act of God, or any municipal, county, state or national ordinance or law, or any executive, administrative or judicial order (which order is not the result of any act or omission which would constitute a default hereunder), or any failure or delay of any transportation, power, or communications system or any other or similar cause not under SITE'S control (hereinafter all of the foregoing is collectively referred to as FORCE MAJEURE). Notwithstanding the foregoing, SITE shall be permitted to terminate this Agreement with or without notice to the USER in the event that USER is prevented from performing hereunder due to FORCE MAJEURE.
Certain areas of the SITE are provided solely to registered users of the SITE. Any USER registering for such access agrees to provide true and accurate information during the registration process. SITE reserves the right to terminate the access of USER should SITE know, or have reasonable grounds to suspect that USER has entered false or misleading information during the registration process. ALL REGISTERED USERS MUST BE OVER EIGHTEEN (18) YEARS OF AGE. Children under the age of eighteen (18) shall not be permitted to register. SITE reserves the right to require valid credit card information as proof of legal age. SITE maintains a strict online Privacy Policy and will not sell or provide USER's credit card information to third parties.
USER Account
USER will select a username and password as part of the registration process. All USER account pages are protected with Secure Socket Layer (SSL) encryption. USER is fully responsible for maintaining the confidentiality of their username and password. USER agrees to immediately notify SITE at firstname.lastname@example.com should USER know, or have reasonable grounds to suspect, that the username or password have been compromised. SITE shall not be responsible for USER's failure to abide by this paragraph. SITE may, in its sole discretion, terminate the USER's account for any reason. Under no circumstances shall SITE be liable to USER or a third party for termination of a USER's account.
Third Party Advertisers
SITE may allow third party advertisers to advertise on the SITE. SITE undertakes no responsibility for USER's dealings with, including any on-line or other purchases from, any third party advertisers. SITE shall not be responsible for any loss or damage incurred by USER in its dealings with third party advertisers.
Privacy Policy
USER can browse SITE without revealing USER'S personal information, but in order to take advantage of most of the SITE'S services, USER must give personal information. By providing personal information, USER expressly consents to the collection, use, disclosure and retention of USER'S personal information as described in this Privacy Policy. This privacy policy, herein referred to as the Privacy Policy, covers SITE's treatment of personal or personally identifiable information, herein referred to as Personal Information, that may be collected when USER is on the SITE and when USER uses SITE services. This Privacy Policy does not apply to the practices of companies or individuals that SITE does not own or exercise supervisory control over, or to third party advertisers on the SITE.
This Privacy Policy discloses the privacy practices for http://www.SeatGIANT.ca. It applies solely to information collected by this website. This Privacy Policy will notify USER of the following:
What personally identifiable information is collected from USER through the web site, how it is used, and with whom it may be shared.
What choices are available to USER regarding the use of USER data.
The security procedures in place to protect the misuse of USER information.
How USER can correct any inaccuracies in the information.
Information Collection, Use, and Sharing
SITE and FULFILLER are the sole users of the information collected on this SITE. SITE only has access to or collects information that USER voluntarily gives SITE via email or other direct contact from USER such as requesting or purchasing tickets from a FULFILLER. If USER grants permission to SITE to detect USER's location, SITE will use that information only to refine search results displayed to USER. SITE may sell your personal information to non-financial organizations, such as companies engaged in direct marketing and the selling of consumer products and services. SITE may also share USER'S information with affiliated entities of SITE to provide joint content and services and to market the products and services of such entities.
SITE will use USER's information to respond to USER regarding the reason USER contacted us. SITE will not share USER's information with any third party outside of SITE's organization, other than as necessary to fulfill USER request, e.g. to ship an order, or, in some instances, to partner with another company to provide certain content, programs and services such as those disclosed in the previous paragraph. In those cases, SITE will require SITE's third party agents to maintain the confidentiality of the data. In those situations, when USER provides personal information, it may be sent directly to the partner company, or SITE may share the information with SITE's partner company. Unless USER asks SITE not to, SITE may contact USER in the future to tell USER about specials, new products or services, or changes to this privacy policy. SITE is not responsible for the policies or offerings of any third party, and SITE urges USER to review third party's policies and terms and conditions, as they may vary.
In addition, SITE will respond to a verified law enforcement, or other governmental department request or subpoena relating to a criminal investigation, alleged illegal activity, or identity theft. In such events, SITE will disclose information relevant to the investigation such as name, city, province, postal code, telephone number, email address, fraud complaints, IP address, and credit card information. SITE may also share such information with third parties for the sole purposes of investigating or preventing fraudulent activities. SITE reserves the right to report to law enforcement agencies any activities that it believes, in good faith, to be unlawful. In the case of identity theft, USER may authorize a law enforcement officer to request the records from SITE or USER may request that SITE send any records directly to a law enforcement officer.
USER Access to and Control Over Information
USER can do the following, at any time, by contacting SITE via the email address or phone number given on the SITE:
Opt out of any future contact from SITE;
See what data SITE has about USER, if any;
Change or correct any data SITE has about USER;
Have SITE delete any data we have have about USER; and
Express any concern USER has about SITE's use of USER data.
To stop receiving promotional or marketing emails or to opt-out of having USER'S information sent to third parties for marketing purposes, USER can follow the instructions in any promotional email USER receives from SITE. Even if USER opts out of receiving promotional or marketing emails, USER will still be contacted with transactional messages.
Third Party Advertising and Automated Collection of Data Privacy Policy
Please note that third party vendors, including but not limited to Google, show advertisements for SITE on the internet. Third party vendors, including but not limited to Google, use cookies and web beacons to serve advertisements based on USER's prior visits to SITE. To opt out of Google's use of cookies, USER can visit the Google advertising opt-out page available on Google's website at www.google.com/privacy/ads/. SITE may share, sell, or rent USER information collected voluntarily from USER on the SITE with third party vendors, advertising companies, or analytics providers including but not limited to Google.
In addition, SITE participates in targeted advertising. SITE allows third-party companies to collect certain information when USER visits SITE to provide measurement services to SITE and target ads to USER. SITE uses this information to serve ads for SITE'S products or services or for the products or services of other companies when USER visits this SITE or other websites. These companies use non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over, hardware/software information, cookie and session ID) and personally identifiable information (e.g. IP address) during USER'S visits to this SITE and other websites in order to provide advertisements about goods and services likely to be of greater interest to USER. These parties typically use a cookie, third party web beacon, or other similar technologies to collect this information.
Some browsers have a "do not track" feature that lets USER tell websites that USER does not want to have USER'S online activities tracked. At this time, SITE does not respond to browser "do not track" signals, but SITE does provide USER the option to opt out of targeted advertising. To learn more about this type of advertising or to opt-out of this type of advertising, visit http://www.aboutads.info/choices.
SITE takes precautions to protect USER information. When USER submits sensitive information via the website, USER information is protected both online and offline.
Whenever SITE collects sensitive information (such as credit card data), that information is encrypted and transmitted to SITE in a secure way. USER can verify this by looking for a closed lock icon at the bottom of USER web browser, or looking for "https" at the beginning of the address of the web page. SITE is committed to not re-identifying sensitive information collected by SITE.
While SITE uses encryption to protect sensitive information transmitted online, SITE also protects USER information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers and servers in which SITE stores personally identifiable information are kept in a secure environment.
If USER feels that SITE is not abiding by this Privacy Policy, USER should contact SITE immediately via email at email@example.com.
Service and Advertising Emails
SITE may send USER several service related emails to the email address given when placing an order. These include a confirmation email with details of USER's order, a pre-event email reminder about the event to be attended, and a post-event email gathering feedback on the USER's experience. When USER places an order, SITE may also add USER to SITE's weekly mailing list to be informed of upcoming events. USER can opt out of these emails at any time by notifying email@example.com.
SITE reserves the right to amend this policy at any time. SITE will post a notice of changes in its SITE, when and if the terms of this policy are amended.
Seat Giant Inc. does not assume liability for damages as a result to the use of any service, product or any material found within this web site. This may include but is not limited to the use of the website system, any content or demonstrations accessed via this web site or any other site to which the web site may be linked to. We reserve the right to modify any material within this web site including but not limited to: product/ and service descriptions at any time without notice. The information posted is believed to be accurate and reliable at the time it was posted. We do not take responsibility for its use, nor for any infringements of rights and or patents of any third parties resulting from the use of the website. Links from third party websites from this site are provided solely as a convenience.
Several methods of security are used including, encryption, firewalls and other technology and security procedures to help protect the accuracy and security of your personal information and prevent unauthorized access or improper use. For example, you will note that while using some features of the web site and online services, you will need to submit a password or some other type of authenticating information.
Your privacy is respected and we work hard to safeguard the privacy of your personal data. We realize that the Internet raises questions concerning the nature, use and confidentiality of information collected about consumers. We want you to know that we apply our long-standing commitment to safeguarding privacy to our Internet activities.
Your information is not shared and we do not disclose or sell any personally information (such as your name, address, telephone number or e-mail address) collected online on via the web site with other unaffiliated companies or organizations. In the future, should we decide to share such data with third parties for marketing, it will provide notification and the opportunity for its users to indicate whether they would prefer that the Company not provide such information about them to third parties. Because this information is a critical part of our business, it would be treated like our other assets in the context of a merger, sale or other corporate reorganization or legal proceeding.
Information we collect is used principally to provide you with the service(s) and product(s) you have ordered and to let you know about other offerings which may be of interest to you. Postal and e-mail address information, for example, enables communication about services offered and ordered, as well as the proper provisioning and billing of those services.Information will be provided in response to subpoenas and other legal demands, and where we believe that disclosing this information is necessary to identify, contact or bring legal action against individuals who may be endangering public safety or interfering with property or services, or with our customers' or others' use of them.
Information is collected online by asking you for it, for example, when sign up for service. A customer's name, address (postal and e-mail) and telephone number are the most important pieces of information, but we might request other information, based on, for example, individual organization marketing services.
Accessibility and use of any password protected or secure areas of the website, is restricted to authorized users only. Unauthorized users that attempt to access any of these restricted areas of the website may be subject to prosecution.
When you apply and register on the website you accept the terms and conditions that are applicable to that particular service. We do not warrant that that any service descriptions and/or content that is contained in the website is accurate, current, complete, reliable, or error-free.
Access may be terminated to the website along with any services with or without any cause, at any time. Any termination is to be accompanied by a written or electronic notice. We are not liable to you or any third party for service termination. Upon termination of any and all access to the website and services, your right to use the website and/or services is immediately revoked.
You are prohibited from engaging in any form of Internet or website abuse, including but not limited to the following:Distributing, publishing, or sending any kind of unsolicited or unwelcome email to any number of network users (commonly referred to as "junk mail" or "spam"), including, without limitation, mass promotions, unauthorized or unsolicited commercial advertising, and informational announcements, anywhere on the Internet. Posting a single article or substantially similar articles to an excessive number of newsgroups or mailing lists. Repeated or deliberate posting of articles that are off-topic according to the charter of the newsgroup or mail list where such articles are posted.Posting commercial advertising in a conference or newsgroup, unless it is specifically permitted to be posted within that group; or (e) violating the CAN-SPAM Act.
If your event is cancelled, we will refund the amount you paid for your tickets (minus order processing, service and delivery fees) using the same payment method used for purchase. If your event is postponed, we will contact you with the new date and time. All Event personnel have the right to refuse entry to any ticket holder for any reason at their discretion. Venue and Talent are subject to change without notice and are not grounds for a refund. Anything promised by the promoter that is unfulfilled is not guaranteed by the seller and is not grounds for a refund.
There are no refunds.


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Virgin Australia has welcomed the ACCC's draft approval of its proposed alliance with Singapore Airlines.
The proposed alliance will enable the two airlines to provide guests with an expanded network of destinations, seamless connections, a more convenient flight schedule and more opportunities to earn frequent flyer points and access lounges.
Virgin Australia group of airlines CEO John Borghetti said: "We welcome the ACCC's draft approval of our proposed alliance with Singapore Airlines. The alliance will enable us to deliver an attractive and competitive service for travellers in Australia and Asia."
"The proposed Singapore Airlines alliance is a key plank in Virgin Australia's strategy to build an international network of airline partners that offers global coverage.
"The alliance would also be very positive for Australian tourism, including Regional Australia, as both airlines will promote Australia in many cities throughout Asia", Borghetti said.
The ACCC is expected to make its final ruling following public comments on the proposal. The two airlines are also awaiting approval from the Competition Commission of Singapore (CCS).

subset: commoncrawl


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Home > Consumer Protection > Consumer News & Information > FDIC Consumer News
FDIC Consumer News
Summer 2011
Person-to-Person Payments by Smartphone and Mobile Computer Add Convenience and Pose Risks
Suppose you need to reimburse a friend for lunch but you forgot your checkbook and you don't have enough cash in your wallet. You can always get money from an ATM or promise to pay your friend back some other time, but there's another option becoming increasingly common, especially for people on the run. It's the ability to send a payment using a mobile device such as a smartphone or a "tablet" computer.
This person-to-person or "P2P" payment service is offered by some banks and non-banks as an alternative to using cash, checks, debit cards or credit cards. P2P payment services have grown and are appealing to a wide range of consumers attracted to the ability to send and receive money using a mobile device, but as with any form of payment, you've got to understand the costs and the potential risks.
How can you protect yourself when choosing and using a P2P payment service?
Remember that bank P2P services can provide clearer legal protections. First, it's important to know what consumer protection laws might — or might not — apply. Every P2P provider will have a "user agreement" that should describe its fees, consumer protections, dispute-resolution procedures, and other details required by federal or state rules.
The P2P services offered by banking institutions have the same federal consumer protections that you get when using your credit or debit card if the payment is funded by linking it to your credit card or checking account, respectively. That means, for example, that if someone steals your smartphone and uses it to transfer money you may have limited or no liability for that unauthorized transaction provided you report the problem in a timely manner.
In contrast, mobile payment services from non-banks may not be subject to the same federal or state laws that would protect you if you were using a bank to provide the service. The protections you will have can vary depending on the terms of the service provider's contract, how the user's account is funded, and other factors.
Luke Brown, an Associate Director in the FDIC's Depositor and Consumer Protection Division, warned, "Don't presume that the terms and protections for all mobile payment services are the same because some can have high fees and consumer-unfriendly policies. You should shop for the best deal with the strongest consumer protections."
Be aware that security remains an issue. A recent study by a private company said that many mobile financial applications failed to safeguard consumers' personal and sensitive information stored on mobile devices. The firm found that it could obtain information such as usernames, passwords, and PIN numbers from mobile phones used in financial transactions. In the wrong hands, this information could subject a consumer to serious consequences and financial losses.
Understand how P2P works. While each P2P service may function a little differently, here's generally how it works. First, you would set up a P2P payment account with your bank or a non-bank service provider, such as your cell phone company. Depending on the service, the payment could be funded in several ways, perhaps by linking it to an existing checking account, credit card, prepaid card, mobile phone account or a special account just for P2P.
Some providers allow customers to only exchange funds with people who use the same P2P service, but others will transmit funds to anyone with a deposit account. In the case of the latter, you may need to provide the recipient's account number and bank routing number in order to initiate a transaction — and that is information that people who are not relatives or close friends may be reluctant to disclose. However, many P2P providers are starting to use other alternatives, such as an e-mail address or cell phone number. Also, in most cases, a fee per transaction will be charged to the sender or the recipient.
Compare several P2P service providers before you sign up. "The bank where you have your checking account is one place to start, but there are numerous other companies that provide these services and will work with your bank to set it up," noted Jeff Kopchik, an FDIC Senior Policy Analyst who specializes in technology issues.
It can be helpful to research what other consumers have said about their experiences with a P2P provider. "The Internet provides easy access to consumer reviews and a wealth of other information that can help consumers identify unsatisfactory experiences," said Rob Drozdowski, a Senior Technology Specialist with the FDIC. "So stay clear of services with questionable reviews and unusually high numbers of consumer complaints."
Manage your P2P money wisely. It's important to monitor your balance to be sure it has enough to cover the transactions you are likely to make. Luke W. Reynolds, Acting Associate Director of the FDIC's Community Affairs Branch, noted that because consumers can use P2P services to pay for purchases on the Internet, "one concern is that the speed of a P2P transaction — perhaps just a couple of clicks to send a payment — can make it easy to make impulse purchases when surfing the Web." But he also said, "whether you write a check or make an electronic payment, you should exercise fiscal discipline when making purchases and record each P2P transaction to avoid overdrawing your account."
To learn more, contact your bank, your Internet or cell-phone service provider, or one of the numerous P2P companies. If you have questions about the deposit insurance coverage of a P2P account at an FDIC-insured institution, call 1-877-ASK-FDIC (1-877-275-3342) and ask to speak to a deposit insurance specialist.
Last Updated 6/12/2014


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- This event has passed.
The ISU Planetarium Presents: Sunstruck!
Event Description
The Illinois State University Planetarium is pleased to offer the full-dome show Sunstruck!, running from May 24 through July 21. Show times are Wednesdays at 2 PM and Fridays at 7:30 PM.
Travel back in time to experience the birth of our Sun and solar system. Discover how the Sun came to support life, how it threatens life as we know it, and how its energy will one day fade away. Experience our unique star, the Sun, in Sunstruck!
We will also preview the upcoming total solar eclipse, visible across the United States on August 21. This is the first total solar eclipse to be seen from the US in 40 years. Planetarium staff will discuss the solar eclipse, exploring what the eclipse will look like from Central Illinois and how to view the eclipse safely.
Admission to the ISU Planetarium is $4 for adults, $3 for children ages 5-12 and seniors, and $2.00 for children ages 3-4. Tickets may be purchased in the Planetarium Gift Shop, next to the Planetarium, beginning 20 minutes before each show.
The ISU Planetarium is located under the white domed roof at the eastern end of Felmley Hall of Science Annex. Felmley Hall is located on the northeast corner of the ISU campus at the intersection of College Avenue and School Street.
Inexpensive parking for the 2 PM Wednesday matinees is available in the ISU visitor lot, located on Locust Street. Free parking for the 7:30 PM Friday programs is available a short distance from the ISU Planetarium in University parking lot F-67, located on the east side of School Street.
For more information, please call the ISU Physics Department at (309) 438-8756 or visit our web site by Googling Illinois State University Planetarium.


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FORT LAUDERDALE, FL – 13 Jul, 2017 – It is unclear just how many people believe in unverifiable conspiracies. They could number in the millions, perhaps tens of millions. They range from people who believe that President John F. Kennedy was assassinated by his own government to those who think their government is covering up UFO crashes. There are many other alleged conspiracies and a website now adds a new one to the list: our contemporary society was impelled by literature introduced into our world by an extraterrestrial visitor of the 7th century.
Extraterrestrial Intervention: Connections, a website created by paranormal investigator Morten St. George, assigns interventionist intentions to a single alien astronaut. It's a complex theory having many manifestations:
During the 7th century:
In the Andes, the alien physically appears to the inhabitants of Tiwanaku and is responsible for the creation of the Nazca Lines.
In Arabia, the alien creates a hologram of the archangel Gabriel to transmit the Quran to Muhammad.
In Babylonia, the alien creates a hologram of the prophet Elijah to deliver a book of revelations (prophecies) to Cabalists.
During medieval times:
The alien's prophecies strongly influence Cabalistic beliefs.
The alien's prophecies are for a time attributed to a wizard called Merlin.
During the Renaissance:
The alien's prophecies inspire the creation of a secret society called the Fraternity of the Rose Cross.
The Rosicrucians arrange for the publication of the Nostradamus prophecies incorporating into it some of the alien's prophecies.
The alien's prophecies inside Nostradamus strongly influence the plays of William Shakespeare.
During the 20th century:
Many of the alien's prophecies are seen to reflect contemporary events.
During the 21st century:
The alien's astronomy prophecies enable calculation of the galactic coordinates of a potential alien signal.
According the St. George, conspiracy theories are not necessarily groundless: "For example, in the official report on the JFK assassination, there was an incredulous magic bullet that cannot help but give rise to suspicions of conspiracy. Likewise, there is evidence, often very strong evidence, to support every aspect of alien intervention. This is what distinguishes conspiracy theory from fake news."
About Morten St. George
In addition to his websites, St. George has authored many articles that were widely circulated on the Internet. He also has a book about the Nostradamus prophecies to his credit: Incantation of the Law Against Inept Critics.
Media Contact
Company Name: Extraterrestrial Intervention Website
Contact Person: Morten St. George
Email: email@example.com
Phone: +1 954-451-7682
Country: United States
Website: http://mortenstgeorge.info/


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TOLEDO, Ohio An inmate serving a life sentence for killing four people in western Ohio nearly 14 years ago has been accused of strangling a fellow inmate at a Toledo prison.
A grand jury on Monday indicted Lawrence Michael Hensley in the death of an inmate who was found in a cell last fall.
Authorities say Bradley Hamlin of Mantua died two days later.
Hensley was sentenced to life in prison in 2000 after admitting to killing three teenage girls and a Bible studies teacher in Shelby County, north of Dayton.
The county prosecutor tells The Blade newspaper in Toledo that it was one of the worst murders officials had ever seen.
Hensley was arrested after a standoff with police at a gas station where he had three hostages.


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So Im off! I'm flying at 3pm today from Birmingham Airport. I hate flying (although I flew long haul to New Zealand, 26 hours of flying in total!) but its only a 4 or so hour flight and I have my Kindle and some recommended books on there to read. Might go a little crazy in Duty Free as I really like 3 step Clinque skincare & I could do with some new perfume. I also really want a new Chanel Bronze Universal, I bought mine last year when I was in Turkey (around the same time!) and its lasted me a good year, Still got a bit of product left but I think its time to replace! Le sigh!
Oh well guys, I shall talk to you again soon! Providing something unfortunate doesn't happen while I'm flying I shall be back on Sunday once I'm settled!


text: Essays, Memoirs, and True Stories Tall Tales, But Short By Charles M. FrancumApril 1977 Purchase the issue or subscribe to read this selection. Already a subscriber? Login Print Share: Facebook Twitter Email Thank you for sharing The Sun. Your Full Name* Your Email Address* Friend's Name* Friend's Email Address* Personalized Message Something went wrong. Please try again. Submit


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Community sponsorships
We believe commerce is a powerful tool for social impact. By partnering and investing in our local communities we can work together to make commerce better for everyone.
We're proud to partner with inclusive organizations and initiatives that support entrepreneurs and advance tech education in Canada and around the world for the long term.
Let us know how we can help.
Frequently asked questions
What types of events do you sponsor?
We sponsor a variety of events and programs including meetups, conferences, educational workshops, and tradeshows. Our focus is largely around spreading entrepreneurship, building computing literacy and supporting diversity and inclusion in the tech industry.
However, we don't have a single type of sponsorship so if you think your project is a fit, please get in touch and tell us more.
How long until I hear back from someone at Shopify?
We'd love 6‑8 weeks advance notice for sponsorship requests and we'll get back to you as soon as we can if we're interested.
Can I host an event in your space?
Our space is available for community use across all offices so long as the goals of the event are relevant to Shopify and fit into the goals of the community and our schedule.
We review all requests, but will only reach out if it's an opportunity that we are interested in pursuing with you.
Can someone from Shopify speak at my event?
We've got lots of great speakers at Shopify, if you're looking for someone to speak at your event we can definitely look into the opportunity and find someone with the right expertise.


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BERLIN – While most local workers had time off this week to enjoy the holidays, some state employees in the area could soon be getting more time off then they desire.
Maryland Gov. Martin O'Malley last week signed an executive order establishing a furlough and salary reduction plan for all state employees, including many in Worcester County, due to the deepening national recession. According to estimates, the plan is expected to save the state over $34 million in fiscal year 2009. O'Malley's announcement of the furlough and salary reduction plan came just hours before the state's Board of Revenue Estimates announced hundreds of millions of dollars in further state revenue reductions for the next fiscal year and the year after.
"In the midst of this deepening national recession, there are some difficult decisions before us that we wish we didn't have to make," he said. "After collaborating with labor leaders over the last few weeks, I have signed an executive order establishing a furlough and salary reduction plan for all state employees due to this recession that has us all tightening our belts at work and at home."
Over the past 22 months, the O'Malley administration has made strides in reigning in the state's budget problems by reducing spending by $2.2 billion, eliminating over 1,500 positions and keeping budget growth at less than four percent annually. The furlough and pay reduction plan announced last week is expected to save the state over $34 million, but it was not an easy decision for the governor.
"Indeed, the best days in life aren't always the easiest days," he said. "I continue to believe that we will come out of this national recession stronger than ever thanks to the choices we've made together to protect our priorities and quality of life."
However, the priorities and the quality of life of the state workers subjected to the plan will obviously be affected. All employees subject to the executive order will be required to forego the equivalent of at least two days of pay, and those making over $40,000 will also be required to take 16 or 24 furlough hours for which they will not be paid. Those workers making less than $40,000 will not be required to take the extra furlough hours, although they will be included in the equivalent of two days pay reduction. The two days designated for the pay reduction are today, December 26, and next Friday, January 2.
To mitigate the impact of the required two days without pay reduction, the salary cuts will be spread over the course of fiscal year 2009. As for the additional furlough hours for employees making over $40,000, they will be in the form of leave without pay and will be reflected in the actual pay period in which the employees do not work.
Not every state employee will be effected by the furlough and pay reduction plan. Employees in 24-hour-a-day, seven-day-a-week health and public safety positions are exempt from the pay reductions. While the plan will not be warmly accepted by most of the state employees effected, at least some in the local area acknowledged desperate times often call for desperate measures.
"The state is doing a lot of different things to attempt to balance the budget and these furloughs and pay reductions are part of that," said Robert Smith, director of the State Department of Assessment and Taxation for Worcester County. "Some of my people will be taking off as many as five extra days next year, while others will be taking as few as two."
Smith said the cutbacks will likely strain his already understaffed office as they prepare for the next wave of property assessments in the north end of Worcester County.
"My office is already short of people as it is," he said. "But we'll do the best we can being shorthanded. Everybody has got to do what they have to do to make this work while the state is faced with these issues."


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The Crown Hotel is a friendly, family run hotel located in the centre of the bustling town of Peebles nestled between the hills of the beautiful Scottish Borders, by the glorious river Tweed.
We are perfectly located for a break in this beautiful town - whatever the reason for your visit, we provide superb Holiday Accommodation for you and you party.
We are an ideal base for all sorts of activity breaks such as Hill Walking, Mountain biking in Glentress Forest or visiting elsewhere in Tweed Valley or Southern Scotland.
We are minutes from the River Tweed, famous for it's outstanding fishing and only a short walk from Peebles Golf Club with it's stunning views over the town and the surrounding countryside.
Our Restaurant serves top quality food in a pleasant, family friendly atmosphere and our bar is always lively and busy.
So please, come in and make yourself at home and let our pleasant and friendly staff make you welcome and take care of you for a while.
We're looking forward to meeting you.
- The Cassidy's


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PGA Championship 2014: Day 3 Leaderboard Scores, Analysis, Highlights and MoreAugust 9, 2014
The return of decent weather brought the best out of the 2014 PGA Championship contenders, but none of them could overtake Rory McIlroy.
After holding at least a share of the lead throughout, McIlroy finished Saturday with a round of 67 to take a one-stroke lead at 13 under par entering Sunday's final round. Bernd Wiesberger's round of 65 put him one shot off McIlroy's pace at 12 under.
McIlroy and Wiesberger will duel in the final pairing, but they have company atop the leaderboard. Rickie Fowler sits just one shot back at 11 under par, while Phil Mickelson surged to move into a tie with Jason Day for fourth place.
Four golfers sit at nine under, just four shots off McIlroy's pace.
Take a look at the full leaderboard entering the final round:
The shots weren't always great from McIlroy. Here's one of his two bogeys, as he botched a chip attempt:
With dozens of golfers making runs at the lead, attention inevitably focused on McIlroy and Day at the head of the pack. The Australian stuck with the leader early on in his round, seemingly matching him birdie for birdie and proving to be his biggest threat.
Day didn't have his best day from the tee, though, and he often put himself in bad spots. Like on the second hole, when an errant tee shot sent him wading through a creek—shoes off and pants rolled up—to find his ball buried on the other side. Still, he managed to save par:
His good fortune didn't last forever. Day couldn't keep pace on the back nine, and numerous other golfers started to take shares of McIlroy's lead.
At one point, four players held the lead at the same time. It truly was a dead heat toward the lowest score, as Yahoo Sports' Pat Forde described:
But there was one constant throughout, and it was McIlroy holding a share of that lead. Day came and went, Ryan Palmer made strides and Wiesberger made noise late, but none could supplant the 2012 PGA champion.
Not many in the U.S. had heard of Wiesberger before this weekend, but he made a name for himself Saturday with his best round of the tournament. His bogey-free round of 65 helped him gain some ground between Day 2 and Day 3.
Wiesberger's success hasn't come on the major circuit—last year's British Open is the only major in which he's made it to the weekend. He does have two European Tour victories to his name, but is largely unknown in the States.
ESPN Stats and Information noted that he nearly chipped in for a 64, but instead "settled" for a 65 to tie Hunter Mahan for the low round:
Not only was Wiesberger crushing the ball off the tee, but his short game was so strong that the end of his round featured three tap-ins, as The Associated Press' Doug Ferguson calculated:
From a new name to a household one, Mickelson stayed locked in as he pushed the leaders. There were no eagles this round, but he birdied four of his last five holes—including a near-eagle on 18—to post a round of 67.
At 10 strokes under par, Lefty has a shot to add to his major tally Sunday.
Mickelson was fired up as usual, undoubtedly playing his best golf of the year at the right time. The competitor in him probably wanted to head back to the first tee right after his round, per Business Insider's Cork Gaines:
It's always met with frenzy whenever Mickelson makes headlines in a major, but Tour comrade Fowler has learned to fly under the radar. Ever so quietly, he's posted top-five finishes in each major this year.
Fowler and Mickelson will play together during Sunday's final round, but both should be given credit for nearly posting an eagle on 18, as Yahoo Sports' Shane Bacon joked:
Here's a look at Fowler's attempt, which nearly rolled in:
Fowler and Mickelson look to be America's best bet at winning the weekend's tournament. With McIlroy, Day and a heap of other international stars in the running, it could be their time.
But whether it's Fowler, Mickelson, Palmer, Day or any of the other golfers in contention, they're all chasing one man.
McIlroy has been something else over the last month, winning the British Open in convincing fashion. When he returned last weekend, he won the WGC-Bridgestone Invitational in his tune-up to this weekend's affair.
McIlroy spoke about his lead going into Sunday, per The Associated Press, via ESPN.com:
"It's not the biggest lead I've ever had, but I'm still in control of this golf tournament. It's a great position to be in."
Through three rounds, McIlroy's game hasn't been lost one bit. Even throughout a few uncanny struggles on Saturday, he shook it off to land birdie after birdie to close out his round.
One thing is certain, though—the other contenders aren't making it easy for him. Given how well the course is playing, he'll need another spectacular round to win his second straight major.


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Middle-income Americans might think they're okay with fee-only financial advice. In fact, a recent LIMRA survey found 55 percent of Americans said they would prefer to pay a flat fee for financial advice.
But then they would find out how much that flat fee was. And they would run for the door.
There is a huge disconnect between what fee-based financial advice costs in the real world and what consumers (particularly middle-income consumers) think it should cost.
LIMRA found that only 1 in 5 consumers are willing to pay more than $100 for investment advice. That probably won't even get them through the first hour of a meeting with an advisor. In the United Kingdom, where a ban on commissions as payment for providing financial advice took effect this year, another study found two-thirds of British investing consumers say financial advice is worth no fee at all, and the remaining respondents vastly underestimated its fair value.
A fee-only or fee-based financial planner might charge clients either an hourly rate (typically $150 to $300), a flat rate or a fee based on a percentage of the client's total assets under management (typically 1 percent to 2 percent). If a client has $130,000 invested with a fee-only planner and is charged a 1.5 percent fee on the account's year-end value, it would work out to $1,950 for that year.
This makes me think back to a 2010 LIMRA survey commissioned by NAIFA that asked consumers what they would do if their advisor charged $2,500 up front for an initial analysis of their situation before they invest any money. The result? Just 1 in 10 said they would pay the fee, and 71 percent said they would seek another advisor or go without professional services altogether.
While wealthy clients typically don't bat an eye at the thousands of dollars in fees that many investment advisors charge, middle-income Americans bat both eyes, then keep them open wide in astonishment, before running for that door. That's if they ever get in that door in the first place. As most don't meet the minimum investable assets requirement many advisors have, there is no first appointment.
As LIMRA, LOMA and LL Global President and CEO Robert Kerzner has repeatedly pointed out, regulators worldwide continue to examine fiduciary standards and, in some form or another, have moved to ban commission-based advisors in several countries including the U.K., Australia, Norway, Finland and the Netherlands. He has predicted these changes could have a devastating effect on consumers' ability to get the advice they need to protect their family's financial security and retirement preparation.
See also: Advisors matter
Middle-income consumers are in danger of being disproportionately impacted by any potential ban on commissions that may develop under new fiduciary standards currently being considered by either the Securities and Exchange Commission or the Department of Labor. If advisors' liability and compliance costs increase, many will not find it viable to work with the middle-income clients that need their help the most.
The hope is that any fiduciary rule imposed on advisors will not drive up costs in a way that will end up depriving middle-income consumers of the investment advice and products that protect their family's security and retirement.
For more from Brian Anderson, see:
Lobbyists: Don't forget about the fiduciary standard


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Property Details
104 1088 RICHARDS STREET, Vancouver West, BC, V6B 0J8, Ca
Welcome to Richards Living! CONDO: Suite 104 is the perfect studio + den for the coveted Yaletown lifestyle. The open and spacious layout offers simple room for entertaining with an extension into a rare large private patio. No compromise as this home includes a full sized kitchen, hardwood flooring, soaring 10 ft ceilings, and plenty of storage. BUILDING: This young Aquilini building is finished luxuriously. Enjoy the fully equipped exercise centre and relax in the peaceful rooftop garden or amenity room right after. LOCATION: Immerse yourself in heart of Downtown Vancouver. Imagine the Marina side, shops of Robson, restaurants of Yaletown, and nightlife of Granville all at your doorstep. BONUS: 1 parking & 1 locker included! OPEN HOUSE: Saturday & Sunday, January 14 & 15, 2:00 - 4:00PM
Bike Room, Elevator, Exercise Centre, Garden, In Suite Laundry
Listing Provided By
Team 3000 Realty Ltd. (Van)
Copyright and Disclaimer
The data relating to real estate on this web site comes in part from the MLS Reciprocity program of the Real Estate Board of Greater Vancouver. Real estate listings held by participating real estate firms are marked with the MLSR logo and detailed information about the listing includes the name of the listing agent. This representation is based in whole or part on data generated by the Real Estate Board of Greater Vancouver which assumes no responsibility for its accuracy. The materials contained on this page may not be reproduced without the express written consent of the Real Estate Board of Greater Vancouver. Copyright 2019 by the Real Estate Board of Greater Vancouver, Fraser Valley Real Estate Board, Chilliwack and District Real Estate Board, BC Northern Real Estate Board, and Kootenay Real Estate Board. All Rights Reserved.
- Adam Knight
- 604-916-9940
- 604-916-9940
- email@example.com
- VPG Realty
- #159 - 1233 Lynn Valley Road
- North Vancouver , BC


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Team: Sales & Marketing
I specialise in: Senior Sales and Marketing Appointments
Languages: (Swiss-) German, Bosnian/Croatian
I started working at Euro London in: 2018
Growing up in a Bosnian family in the Austrian Alps, switching from one language to another came quite naturally to me very early on and made learning new languages rather easy for me. English quickly became my favourite foreign language which later led me to the US where I lived and worked for 5 years. There I got my first taste of Recruitment and made a career of it after my return to Austria. I moved to London in 2016 in order to join my wife, a native Londoner. Altogether, I've got 11 years of Recruitment experience under my belt and lots more in Sales and Marketing.
When I'm not at work, I love spending time in nature, skiing is one of my favourite hobbies, I also love Delta Blues and a cold beer…
If I were a famous person, I would be: Duane Allman, the greatest Blues Slide Guitar player of all times. Why? For standing on stage and "ripping" it up!
Fun fact: One day, doing sales calls in the countryside outside of Chicago, I got lost and was chased off a property by an Amish man with a shotgun in one hand and the leash of a barking Doberman in the other…
No jobs found


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The women-only swimming sessions that are designed to make you feel more comfortable and confident in the water and by the pool.Beginner? Come on in.Good swimmer, but you haven't been for a while? Come on in, you'll need to be 16+ years old to take part.Frightened of the water? Come on in…slowly, of course – we've got you.Working alongside Sport England, the people behind the super successful This Girl Can campaign, we're running women-only swimming sessions designed to suit you.Non-judgemental, supportive, scheduled flexibly – that's This Girl Can Swim.
We know it's not just about the water. What are you going to wear?At This Girl Can Swim, you wear what's comfortable for you. This could be shorts and a t-shirt, or whatever cossie you feel relaxed in. No-one's judging anyone at these sessions. It's about you being in the water and getting the physical and mental benefits that brings. Bring a robe, if you'd feel more comfortable in one. How long you keep it on is up to you. Our staff understand how people can feel at swimming pools and have been trained specifically for the This Girl Can Swim sessions.
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Angela Merkel Torpedoes the Euro
The Euro hit my yearend target today after a two cent plunge sent it down to the $1.29 handle. You can thank German Chancellor, Angela Merkel, who in the strongest possible terms, said there was no way she would consent to an increase in the size of the European bailout package.
It didn?t help that in the Federal Reserve comments today they basically ran up the white flag and admitted that there is nothing left for them to do but keep interest rates at ?exceptionally low levels? for the foreseeable future. They see moderate growth last pegged at 3%, which means they are about 1% higher than reality.? We are left to wait until January 25 for the all-powerful government agency to take longer term measures to help the economy, such are targeting unemployment rates.
I have been happily trading in an out of the Euro from the short side since April, catching almost all of the move down from $1.50, except for the last three cents. There was clearly a lot of new shorts initiated today as the euro broke multi month support levels. To say this is a crowded trade would be a vast understatement, as these new positions are being added to existing ones that are at all-time highs. A recent survey revealed that 67% of all hedge funds are currently running short positions in the Euro.
This is a crummy place to get involved, as the beleaguered European currency is now severely oversold on a short term basis. I want to wait for a four cent rally against Uncle Buck to jump back in the game again. I would be surprised if we plumbed new lows from here, but then this has been a surprising year. Wait until Q1, 2012 before we see a $1.25 print.
It would be easy to sit back and be complacent, believing that this is not our problem. But it is. A recession that Europe?s new austerity is certain to bring, will likely chip 0.5% to 1.0% off of US GDP growth in 2012. Since we are likely growing at a modest 2% rate now, we don?t have a lot to give away. Looking at an American economy that is facing death by a thousand cuts, this is one giant slash.
Auf Wiedersehen Euro!


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Dolphins, Raiders vying to improve off ugly first impressions
The good news, Miami Dolphins fans...he could hardly get worse.
Rookie quarterback Ryan Tannehill looked every bit the lightly-trained newcomer in his first exposure to NFL competition last weekend in Houston, where a six-minute stretch in the second quarter yielded three interceptions and led to the decisive points in a 30-10 loss to the Texans at Reliant Stadium.
The first chance to forget that first game comes this weekend at Sun Life Stadium, where the Dolphins will host the Oakland Raiders in Week 2.
Tannehill, the eighth overall pick in April's draft who became a quarterback late in his stint at Texas A&M, wound up with no touchdown passes while getting sacked three times. He completed just 20 of 36 passes (55.6 percent) for 219 yards, and the Dolphins rushed for only 79 yards and held the ball for nearly 10 minutes less than the Texans
Oh, and they fumbled three times, losing one.
"We've got a lot of work to do," said rookie head coach Joe Philbin, who stepped in after Tony Sparano headed to the New York Jets as offensive coordinator after being dismissed of his duties in January. "Hopefully, they accept responsibility, as did I. I didn't coach the game well enough, nor did they play well enough for us to earn a victory. That's my responsibility, and their responsibility."
Philbin even stayed positive after Tannehill posted an anemic 39.0 passer rating - second-worst by a Miami quarterback since 2007.
"There were some good throws," Philbin said. "He did some good things, there's no question about it. It wasn't like he got flustered. It wasn't like you saw a ton of bad decisions. There are some good pictures of him throwing the ball accurately and moving nicely in the pocket."
Two of Tannehill's interceptions came on balls batted by Houston defensive lineman J.J. Watt, and he had four passes knocked down overall.
Incidentally, the 24-year-old stands 6-foot-4.
"Anytime you turn the ball over, you can't be happy with yourself, regardless of how they happened," Tannehill said. "It's not good. You can't turn the ball over. You put your defense in a bad situation and ultimately it led to a lot of points for them."
Meanwhile, Oakland's own poor play on special teams led to multiple points for San Diego in Monday's 22-14 season-opening home loss to the Chargers.
The problems were compounded by the absence of long snapper Jon Condo, who suffered a concussion and had his duties transferred to Travis Goethel - a backup linebacker who hadn't snapped a ball in a game since high school. He subsequently had two failed snaps to punter Shane Lechler, who failed to get each kick off and also had a punt blocked.
In all, the errors led to three San Diego field goals in an eight-point game.
"That falls on me," Raiders rookie coach Dennis Allen said. "I've got to do a better job of making sure we're prepared for all those different situations."
Toward that end, Oakland signed long snapper Nick Guess Wednesday in case Condo stays sidelined. And that may solve all the needed problems for a team that outgained the Chargers, 321-258, while its defense held San Diego to one touchdown in five red-zone trips.
Oakland quarterback Carson Palmer completed 32-of-46 passes for 297 yards and a touchdown, with no interceptions. Running back Darren McFadden gained just 32 yards on 15 carries, but caught 13 passes for 86 yards.
Additionally, Raiders second-year receiver Denarius Moore practiced Wednesday and could be available after missing Monday's contest with a hamstring injury. He led Oakland with five touchdown receptions in 2011 and was second on the team with 618 receiving yards.
"He looked like Denarius of old," Palmer said. "He made a couple phenomenal catches. His burst was there last week, it's just I think more conditioning, really getting in practice. There's a totally different type of shape."
Receiver Jacoby Ford is not available for Oakland, however, after having surgery Tuesday on his left foot which he injured in an Aug. 17 exhibition game.
The Raiders will attempt to end a three-game losing streak to the Dolphins, who have outscored Oakland by a 67-31 margin in a pair of wins over the previous two seasons.
"Every year is a new year, so I don't really pay a whole lot of attention to that," said Allen, on the Raiders' recent failings in the series. "We have 15 more (games) that we're guaranteed and we're going to try to get better every week."
Raiders lead 16-14-1
Streak: Dolphins have won last three meetings Last Meeting: Dolphins 34, Raiders 14 (Dec. 4, 2011 at Miami)
Raiders HC Dennis Allen vs. Dolphins: 0-0 Dolphins HC Joe Philbin vs. Raiders: 0-0 Allen vs. Philbin Head-to-Head: First Meeting
Notes: Dolphins are 9-1 in their last 10 non-playoff clashes with Oakland, with the Raiders' only win during that stretch a 35-17 triumph at Sun Life Stadium in 2007. The visitor has prevailed in three of the past five matchups in the series, with the Dolphins posting a 33-17 decision in Oakland during Week 12 of 2010 season. These teams have also faced off four times in the postseason, with the Raiders coming out ahead in three of those games.
Offensive Team Rankings
Oakland: 21st overall (321.0 ypg), 26th rushing (45.0 ypg), 12th passing (276.0 ypg), 28th scoring (14.0 ppg)
Miami: 25th overall (275.0 ypg), 22nd rushing (79.0 ypg), 24th passing (196.0 ypg), 31st scoring (10.0 ppg)
Defensive Team Rankings
Oakland: 5th overall (258.0 ypg), 3rd rushing (32.0 ypg), 12th passing (226.0 ypg), 14th scoring (22.0 ppg)
Miami: 16th overall (337.0 ypg), 13th rushing (83.0 ypg), 17th passing (254.0 ypg), 23rd scoring (30.0 ppg)
Turnover Margin
Oakland: -1 (0 takeaways, 1 giveaways) Miami: -4 (0 takeaways, 4 giveaways)
Red Zone Touchdown Percentage (offense)
Oakland: 50.0 percent (2 possessions, 1 TD, 1 FG) -- tied 14th overall Miami: 0.0 percent (3 possessions, 0 TD, 1 FG) -- tied 29th overall
Red Zone Touchdown Percentage (defense)
Oakland: 20.0 percent (5 possessions, 1 TD, 4 FG) -- 6th overall Miami: 50.0 percent (6 possessions, 3 TD, 3 FG) -- tied 11th overall
Palmer has thrived in two career meetings with the Dolphins in South Florida, throwing for five touchdowns and recording a 96.2 passer rating. In 10 starts with the Raiders over parts of two seasons, he's averaged 293.4 passing yards per game. Among his targets, McFadden turned a sluggish rushing effort against the Chargers into versatility by coming up with a career-high 13 receptions for a personal-best 86 yards. In his more traditional role, the Raiders are 7-2 when McFadden has 100 or more rushing yards, and the former Arkansas star is 64 scrimmage yards shy of 4,000 for his career. Wide receiver Darrius Heyward-Bey got to 102 career receptions by making three against the Chargers, and alongside him at wideout, Moore has compiled an 18.7 yards-per-catch average on his first 33 NFL grabs. Undrafted rookie Rod Streater made a two- yard touchdown catch in his first NFL game on Monday, while tight end Brandon Myers had career highs in both receptions (5) and receiving yards (65) in the opener.
On defense, Miami end Cameron Wake is two sacks away from becoming the seventh Dolphin to reach 30 in a career, while tackle Randy Starks tied a single-game best with two quarterback takedowns last week. On the outside of the unit, linebacker Kevin Burnett made his presence felt with a sack and a 34-yard interception return for a touchdown against the Raiders in November of last season.
Though he struggled last week, rookie quarterback Tannehill became the initial first-year passer to start a season opener in franchise history. A sign that might bode well for his second start is that the Dolphins rushed for 209 yards in last year's meeting with the Raiders, with Bush registering 100 rushing yards and a touchdown in that contest. If he makes triple-digits this week, it'll be the third consecutive home game he's done so, following efforts of 100 and 103 yards. Bush had 115 scrimmage yards last week against Houston, gaining 69 rushing and 46 receiving. Backfield mate Daniel Thomas had a career-long 32-yard reception as well in the loss, but will miss Sunday's tilt with a concussion. Since he emerged in 2008, wide receiver Davone Bess leads Miami in both receptions (265) and receiving yards (2,714), and had a scoring catch in last year's game against the Raiders. Fellow wideout Brian Hartline led the team with 50 receiving yards in the opener and tight end Anthony Fasano was second on the club with five touchdown catches in 2011.
For the Raiders, tackles Tommy Kelly (7.5 sacks) and Richard Seymour (6 sacks) combined for 13.5 sacks last season and will aiming to pressure Tannehill into a few more rookie mistakes this week. A veteran of past seasons in New England, Seymour has five career sacks against the Dolphins. In the tackling department, rookie linebacker Miles Burris -- a fourth-round pick in this past draft -- led the team with nine in his NFL debut.
Both teams lost games last week largely by their own doing, be it a myriad of special teams mistakes in Oakland's case, or a myriad of rookie passer mistakes in Miami's. The question then becomes, if both teams repair the first-week holes, who's better? The smart money here says the Raiders - if nothing else because Palmer and his weapons seem superior to Tannehill's.
Sports Network Predicted Outcome: Raiders 24, Dolphins 20


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"It has been an inspiration to not only hear from our leaders, but to meet like-minded Republicans who are fired up and ready to make a difference in this country," Dave Buell, a delegate and Washoe County Republican Party chairman, said Thursday on the last night of the convention.
"(The convention speakers) have inspired us to go out and make sure we win this election. I know how important Washoe is to Nevada and how important Nevada is to winning this election," Buell said.
Yes, he really said that (to The RGJ). And yes, this is coming from "The Renegade County Party" that's seeking a divorce from "The Renegade State Party". And oh my Gaga, is that an empty chair??!!
In so many ways, truth is stranger than fiction. Yesterday, some progressives in Las Vegas decided to celebrate Mitt Romney's G-O-TEA coronation with an extra special "wedding". You just have to see it to believe it.
And here's some video from KSNV.
So what was that about? Oh, it's just a reminder of Mitt Romney's "private sector" experience, Mitt Romney's economic priorities, and Mitt Romney's love for "billionaire bailouts". Fortunately for them, Sheldon Adelson's posse wasn't around to "rough them up". They did it at The Venetian, after all.
Now coming around full circle, I can finally start to understand why Clint Eastwood was allowed to argue with an empty chair. Since Mitt Romney doesn't really have a convincing message of his own, the only way he can win is by convincing us that we must get rid of this "evil, COMMUNIST, un-American!!!!" Barack Obama. Basically, Romney is running as "Generic Republican" against the teabaggers' caricature of President Obama. While Eastwood's deranged rant still reeks of nonsense, at least his episode becomes somewhat understandable when viewed from this lens.
It seems like the Romney campaign truly believes he can win just by being "Not Obama"... That is, not that scary caricature of Obama that teabaggers love to yell & scream about. But what happens when we dwell some more on who Mitt Romney is and what he does? That's what the Romney campaign fears. And that's why we saw that "wedding" at The Venetian yesterday. If working families can't trust Mitt Romney when he promises to "fix the economy", what does he have left to campaign on?
An empty chair?


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Brad Pitt and Angelina Jolie opened up about their marriage on the "Today" show Monday in a candid interview with NBC's Tom Brokaw. The couple talked of their new film, "By the Sea," and the struggles they've faced as a couple, including Jolie's decision to undergo preventative surgery to remove her breasts and ovaries.
After finding out she had an 87% risk of breast cancer, Jolie had a double mastectomy and reconstructive surgery in 2013.
When she later learned that she had a risk of ovarian cancer as well, her husband was the first person she called.
U.S. & World
"I was out in France and Angie called me and I got straight on a plane to return," said Pitt. "Seeing my wife have to be her strongest and knowing that its the scariest of news is terribly moving and not being there is a horrible feeling."
Jolie chose to have her ovaries and fallopian tubes removed. The decision was based off her experience with her mother, actress Marcheline Bertrand, who was diagnosed with ovarian cancer in 1999 and died at 56 years old in 2007. Jolie even used the same doctors as her mother to have her procedures done. "You have to just make the choices you make in life. I made the choices I made because I believed they were right for me," said Jolie.
Jolie's ovarian surgery also brought on the early onset of menopause.
"Every woman is different when they go through menopause, and...I didn't know emotionally how I would feel," she said. "I knew the breast would be a bigger surgery and physically changing. The ovaries is more, your hormones changing and your emotions changing, but it's different. You feel different."
Jolie's mother's experience served as inspiration for her new film, "By The Sea," which she wrote, directed, produced and is starring in alongside her husband.
"I can't say what the whole film is about, but a lot of the film was when I went to visit my mom in the hospital when she found out that she had cancer the first time. She was going to have her ovaries removed, she was very upset and feeling like this was they're taking out her parts that were female," said Jolie.
"There was a woman down the hall who was wailing, and I later found out it was a young woman who had not had children yet and that put everything into perspective."
"By the Sea" is the first time Jolie and Pitt have appeared together on screen in 10 years. Their first time was in 2005's "Mr. and Mrs. Smith."
While Jolie revealed few details about the new film, she did admit that it was about a troubled marriage which she hopes the audience won't equate with her own. "I'm counting on the audience to know that if it was close to us at all, we could never make this film," said Jolie. "It's because we're actually very, very stable and these aren't our issues"
Of their struggles as a couple, the two admire the other's strength.
"I just remember there was no vanity to my wife's approach," said Pitt of Jolie's surgery. "She was doing it for her kids, she was doing it for her family, so we could be together, it trumped everything and anything."
Jolie believes that her experience could help other women.
"Many of us will have cancer. We will all die. And so to face these issues together and to talk about them and talk about what it is to be human I think can be a beautiful thing."


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With Tuesday's death of Venezuelan strongman President Hugo Chávez, the United States government should be breathing a sigh of relief. Chávez, who died from cancer after a series of operations in Cuban hospitals, provided the anti-American, anti-capitalist voice for which Latin America had longed for decades. He also had lots of petrodollars and was willing to share them with his comrades around the region. Cuban dictator Fidel Castro, now in some kind of purgatorial retirement himself, must be in mourning over the death of his protégé, and more importantly, the source of $10 billion annually.
After serving jail time for trying to seize power in 1992 in an attempted coup, Chávez came to power through a democratic election in 1998 with 56 percent of the vote. He was re-elected three times since, created a new "Bolivarian" Constitution that enshrined socialism in his country, survived a recall election and a coup attempt and had managed to control Venezuela even though he could not attend his last inauguration as he was in Cuba for more cancer treatment.
Chávez will be remembered for providing an alternative to the Washington consensus, the policies of the World Bank, International Monetary Fund and U.S. Treasury Department, and for nationalizing many important industries in Venezuela, effectively placing the state at the center of the economy. He nationalized much of the private sector. Taking a page out of the populism playbook, Chávez also gave his people consumer goods like refrigerators and big-screen televisions. He paid for Cuban eye doctors to do surgery in Venezuela and around the region. He is alleged to have funded presidential election campaigns of Rafael Correa of Ecuador, Cristina Fernandez de Kirchner of Argentina, Evo Morales of Bolivia, Humala Ollanta of Peru and Daniel Ortega of Nicaragua. He even gave subsidized heating oil to the poor, many black and Hispanic, on the U.S. eastern seaboard through Joseph P. Kennedy II's nonprofit organization. President Chávez was a modern-day Latin American Robin Hood.
He understood the mass media and its power. Chávez hosted a weekly talk show, lasting five hours, making sudden policy announcements, firing ministers in his government and entertaining audiences with songs, jokes and long rants against the United States. Broadcast on radio and television, it was the epitome of the cult of the personality, long a feature in Latin American governance. The strongman, or el caudillo, rules – in this case through the mass media, not just through clientelism and political patronage. He founded Telesur, a transnational television network that further expanded his influence. Chávez also understood that democracy in the United States would help provide some useful idiots to do his bidding stateside – sycophants like Oliver Stone and Sean Penn fit the bill.
While he called President George W. Bush "Mr. Danger," it was Chávez who embarked with military adventurism, albeit often in his own country. He was a great client for weapons merchants, buying Spanish submarines for his Navy and Russian AK-47's for his civil militia to ward off a perceived U.S. invasion. In 2008, he sent troops and tanks to the Colombian border after that country's troops attacked a military base inside Ecuador belonging to the Fuerzas Armadas Revolucionarias de Colombia (or FARC), the leftist guerrilla group engaged in a decades-long civil war. Chávez's largesse included money, logistics and a vast secret service network. He provided assistance to terrorist groups like Hezbollah and the IRA. He courted dictators from Belarus to Syria, Iran to Nicaragua, and was always opening factories and announcing new deals with Chinese and Iranian officials.
Chávez even had the chutzpah to join Mercosur, the customs union of the Southern Cone, and then demand that it become a collective defense pact – modeled on the North Atlantic Treaty Organization (with the policy that an attack on one member would be deemed an attack on all members). He co-founded the barter-based trade organization, the Bolivarian Alliance for the Americas (or ALBA), joining the economies of Cuba, Venezuela, Bolivia, Ecuador, Nicaragua and others in the Caribbean and scuttled the Free Trade Agreement of the Americas, the United States' plan for hemispheric-wide trade.
The poor in Venezuela will suffer from Chávez's passing. His socialist agenda made education and health care accessible. Cuba will be reeling, not just because Fidel Castro lost a prodigal son, but Venezuela's $10 billion in annual aid to Cuba may be in jeopardy. For the United States, however, a formidable foe will be laid to rest. In the end, we may actually miss Chávez. At least the United States always knew where it stood with him.