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The Alliance de l’industrie touristique du Québec works closely with the tourism community to ensure that Quebec remains a major and competitive destination. Questions? Comments? Requests? We will be happy to answer you!
You can also check the Team page to contact a specific person.


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Home » Single Wall Boxes » 12"x9"x4" Single Wall Boxes » 1000 x Single Wall Cardboard Postal Boxes 12"x9"x4"
1000 x Single Wall Packing Cardboard Boxes 12"x9"x4". Perfect for small items, A4 documents, leaflets etc. Most commonly used in the printer industry as well as by on-line sellers for sending small products (eg nutritional products etc). These have an A4 size base (12x9") and are 4" high. These boxes are compliant with the new royal mail 'small parcel' guidelines effective 1 April 2013, and subsequently updated in October 2014, hence carry a reduced rate of postage in the royal mail system, as they qualify as small parcels.

industry_corpus2: Manufacturing


text: We are excited to inform you that we have a new addition to our PowerCell line of products. The New PowerCell 4 SE has a precious metal EM Cell and comes standard with our Element Tungsten AC power cord with the active shielding “Enigma Bullets” circuits. This new bundle is offered at a special combo price, see your dealer today for details.

industry_corpus2: Computing & Telecommunications


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Are you a student or graduate looking to gain relevant skills and experience in a particular field?
We can provide unique possibilities for hands-on experience, a foot in to the industry and of course some amazing networking opportunities.
The possibilities for internships will vary from country to country. Let us know about you and your future plans.

industry_corpus2: Subject Education


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Cole Simpson, 20, of Willisburg was charged Monday with driving under the influence.
Tabatha Hardin, 34, of Hartford was charged Monday with first-degree possession of a controlled substance, possession of drug paraphernalia and possession of synthetic drugs.
Lori B. Hare, 39, of the 2300 block of N. Kingman Loop was charged Monday with possession of synthetic drugs, possession of drug paraphernalia and tampering with physical evidence.
Ronald Boggs, 45, of the 800 block of E. 21st St. was charged Monday with first-degree possession of a controlled substance (meth) and possession of drug paraphernalia.
Christopher S. Bray, 47, of the 200 block of Edwards St. was charged Monday with first-degree trafficking in a controlled substance (meth) and possession of drug paraphernalia.

industry_corpus2: Law & Justice


text: Community Champion Lawrie O’Keeffe has learnt the hard way how to get players to stick to a collectively-agreed set of team goals. But for new coaches struggling to be accepted by players who have formed a tight bond, any lapse in work ethic presents a big problem. Building chemistry with your players can take time, and it’s easy to get off on the wrong foot.

industry_corpus2: Sports


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Color Bursting Hermann Park will kick-off this weekend at Hermann Park McGovern Centennial Gardens, parking at lot entrance C – 1500 Hermann Drive.
Last week I found a couple of classes for the weather-weary to stay indoors, did you get any class? Here’s another great opportunity this Saturday and it’s for the entire family and free.
“Color Bursting Hermann Park,” Saturday at Hermann Park McGovern Centennial Gardens, The Brown Foundation Learning Pavilion in the Family Garden. Use Parking Lot Entrance C – 1500 Hermann Drive, 10 a.m. – 1p.m.
Volunteers will find themselves weaving colorful vests for this new installation set for late March and led by artists Tami Merrick and Nicola Parente.
Merrick and Parente’s project is an infusion of color in celebration of the Spring Equinox to engage the community. The project occurs in four movements of dance, music, and temporary public art. Temporary pieces include wrapping vividly colored, synthetic ribbon on some 35 trees throughout the park. The artists will work with high school YES Prep East End students under the direction of artists and teachers. A second piece will involve about 60 tree vests which will be scattered along walking trails to enhance public attention. Families will help to create these vests though community workshops led by the artists.
For my more prolific readers, you may recall I wrote about Merrick and Parente’s collaboration “Scaped Senses,” (Dec. 23 issue) a temporary sculpture located at 3517 Irvington. For this project and more by this talented collaboration team, visit their website ArtUniti.com.
Artists Teresa Staley, Stephen Musquiz, Lenora Palacios, and Cherie Salinas will host Life is a Circus, an art show showcasing how each artist interprets circus life and how life really is a Circus. Plan for March 3, 6:30 – 9:30 p.m. at Hardy and Nance Studios. 902 Hardy St., Houston, TX. 77020. More info can be found on the Facebook page: Life is a Circus.


text: The guest chair is as “comfortable” in the lobby as it is in a private office, conference setting or break room. Brylee guest seating can be stackable for storage in the wall saver leg version. A caster version to compliment your interior choices.


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It’s been a very busy time for the powers that be at the UFC lately. At the top of their list they’ve had to deal with the build-up to and fallout from Khabib Nurmagomedov’s win over Conor McGregor.
The fight between the two men was arguably the biggest in the UFC’s history but the brawl that broke out afterwards caused the biggest headache as Dan White and his fellow executives had to decide on who was at fault and what sort of punishments should be handed out.
All the noise and publicity Khabib v Conor caused left one unresolved issue to go under the radar – the lack of a fight to headline the UFC’s annual trip to Madison Square Garden.
The eventual announcement of the UFC 230 headliners kept fight fans on their toes but the heavyweight championship bout between Daniel Cormier and Derrick Lewis should more than make up for the wait.
A major part of the intrigue is that both men said that they would not be fighting at MSG. Cormier cited a hand injury as the reason he wouldn’t be in New York while Lewis has suggested that he is not yet ready for a world title fight.
Another plus point for this fight is that both men come into it on the back of highly impressive win.
39-year-old Cormier showed that there is plenty of fight left in the old dog when he scored a knockout win over Stipe Miocic. Cormier actually used his nous to full effect in that fight, getting away from trouble against the cage to utilise his striking power.
Lewis, too, showed some nous but the main takeaway from his knockout win over Alexander Volkov was the amount of heart that he showed. It looked at one point as though the doctor would have to stop the fight because of swelling to Lewis’ eye but he fought on, refused to give in and eventually landed a late blow that changed the fight entirely and allowed him to finish Volkov off.
There aren’t many men who could take the sort of punishment that Lewis did against Volkov and carry on fighting. That display has led some UFC fans to suggest that he could actually thrive when handed his title fight.
The best Australian bookies don’t agree.
Cormier is the heavy odds-on favourites across the board. We don’t believe that the champion is going to have things all his own way and he’ll certainly need to work for the win but it’s tough to make too much of a case for Lewis actually winning the fight.
If you fancy betting at very short odds, you can back Cormier to win at $1.14 with Unibet. However, we prefer the $1.75 that Unibet are quoting on the champ winning by KO or TKO.
Lewis is the younger man but it’s only been a few weeks since he last fought and there’s a feeling that he’s been thrown into this fight. He could well win the heavyweight belt in the future but this has just come too early for him.
Chris Weidman is the bookies’ favourite against Ronaldo Souza and for good reason. “The All-American” is number three in the middleweight division but will need to be on his toes to get the better of the man ranked fifth in the division.
Weidman will get great support given that he is from New York state and we think he’ll give the fans something to cheer about by winning at $1.58 with bet365.
David Branch v Jared Cannonier is a very interesting all American middleweight fight. Cannonier is working hard to progress up the rankings and is more dangerous than the odds of $3.90 that Palmerbet are quoting suggest. This is one underdog who could well upset the odds.


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The distance between Winnipeg, Manitoba, Canada and Horta, Faial, Azores is approximately 5,413 km or 3,364 mi.
To reach Winnipeg, Manitoba in this distance one would set out from Horta, Faial bearing 307° or NW and follow the great circles arc to approach Winnipeg, Manitoba bearing 255.9° or WSW .
Winnipeg, Manitoba has a warm summer continental/ hemiboreal climate with no dry season (Dfb) whereas Horta, Faial has a Mediterranean hot climate (Csa).
The average temperature is 14.9 °C (26.8°F) cooler.
Total annual precipitation averages 470.4 mm (18.5 in) less which is equivalent to 470.4 l/m² (11.54 US gal/ft²) or 4,704,000 l/ha (502,889 US gal/ac) less. About 1/2 as much.
The altitude of the sun at midday is overall 11.4° lower in Winnipeg, Manitoba than in Horta, Faial.
The table shows values for Winnipeg, Manitoba relative to Horta, Faial. You can also view this comparison the other way around from the perspective of Horta, Faial vs Winnipeg, Manitoba.

industry_corpus2: Others


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When I think of a hero, I think of someone who is brave, strong, hardworking, trustworthy, and unselfish. But the truth is easy to tell He's sweet and loving And can always understand me Patient he is And he always makes a big difference in my everyday life. He has taught me important values that I apply in my everyday life. His ethics and values taught me how to be a person and a lady. We still have this picture hanging in our living and their love for each other is even stronger now! I know it is his way of showing how much he cares about me and how proud he is when I try my best. They strived to love and care for those who nobody was prepared.
His counsel and advice helped them get through the sad period. If you fail to respond within the 30 days, we will consider the shipment abandoned and no refunds will be given. I am my father's daughter. God bless America and men and women who fight for our freedom! But, he couldn't afford to be crippled for a whole year. The meaning of belonging is generalised as a process where an individual or individuals learn to connect with other people, groups, communities and the larger world.
Africa, Africa Cup of Nations, Debut albums 957 Words 3 Pages First Essay I am interested in becoming a special education teacher because every type of child needs and deserves a proper education. Down to Earth, Family, Grandparent 1182 Words 3 Pages March 2013 Are You My Hero? My hero is my mom and there is definitely no doubt about it. The college essay will allow an admissions officer to look beyond those numbers and see you as a person. I love the petnames he calls me. He has been my backbone and I know without his stern and firm personality scolding me I would not be where I am today. I began to understand that the consequences and discipline inflicted on me was not in hatred, but to teach me a simple lesson about life skills.
My father is a teacher in a well known school in our town. I had just gone to bed, after a wonderful day full of birthday wishes. I know I cannot become as great as my Father but I will make my Hero proud one day. However busy he may be, he has never missed any of my cultural programmes and records them. Sometimes when he drives home from Saudi and I demand for dinner out, and though he is tired and hates hotel food, cheerfully he will take me, cracking all sardarji jokes, instilling in me, the importance of family bonds and sacrifice.
So here is a few pictures that really describe me. Everyone around me was sinking, but I was staying afloat. It took me a while to realize it but my hero is an 83 year old woman. He is a funny, cool, adventurous and smart human being. Having somewhere to go is home and having both is a blessing. Critical thinking, Evidence 887 Words 3 Pages. I love coming home from work and hearing them playing and laughing.
This has been my life for the past eighteen years. Families that love Disney will love this tee. Hwang essay explains how immigrant children are living a paradox, forcing her to keep her Korean culture and adapting to the American culture. My Father is a favorite character not only for me but also for many students in the school he works. If you fail to respond within the 30 days, we will consider the shipment abandoned and no refunds will be given.
No matter what I do and when I need advice on what to do, I can always count on my uncle. She takes care of everything in the family and around the house. Family T-Shirt For Super Dad's -Daddy Superhero Shirt Daddy's are a kids Superhero! Grab these tees to tell him he's special, and watch him chuckle. A guy in tights with a cape or a person fighting for something they believe in? Here's why dads uphold their hero status: 1. When I am sick, he will be with me throughout, I feel secure when I cling on to his chest like a baby kangaroo. Destiny gives us opportunities to meet new people in our lives. The life of the poor must be so hard for them.
The only thing that could compare to his love for his family, was his love for his country. Now picture her at sixteen going on her first date and her dad interrogating the boy. I love my Father very much. He has never saved me from a burning castle or an avalanche, but he does hug me and tell me to have a good day. All the qualities she has as a person I hope one day and I can have the same and be just like her. He's always known I would. I was on my way to Wal-Mart with my two boys, Hunter and Harper.
He is always cool and collected in any situation. Around the same time, he took an interest in jazz, and would while away many afternoons reading in his comfy chair as Louie Armstrong crooned in the background. I lost my grandpa and two months later I lost my aunt and soon after our home was foreclosed on. We love working with you as we celebrate the journey as life-long readers and writers. Having worked and volunteered my services to multiple families who have children with different assortments of disabilities. My Personal Hero Everyone has someone they look up to and want to be just like one day and everyone has different opinions and who a true hero is. Eye color, Family, Father 1463 Words 4 Pages 2013 My Hero It gets me through Last year, I went through the hardest things I've ever been faced with in my life.


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The night city is not the day city, though they share the same streets, the same alleys. Light becomes a commodity.
The men of the night city, free from the day of park-sleep and bench-sleep, daylight indignities of filth, of squalor, the sordid shame of open begging in the face of bottomless scorn.
They come into their own then. They move swiftly as cats in their confidence, sure in their knowledge of the night city, the mask of darkness granting each man discretion and subtle magic.
Dusk a prayer of waking, midnight a prayer of communion, dawn a benediction.
Hey, just a reminder of a great new prompt: 150 words based on Google Maps. What Pegman Saw. Check it out!
A feast of light and shadow, dusk and dawn. I love the juxtaposition of contrasts.
What a great idea! Darkness giivng grace and dignity to the night men. Brilliant!
“open begging in the face of bottomless scorn…” Magnificent!
This was incredibly moving, atmospheric and poetic. So well written! I loved it!!
I love the contrast here. Places are very different during the day to at night. You illustrated this beautifully.
This is prose poetry. Love it.
I love the poetry of those last two lines!
Two different worlds. Beautifully written.
I love the way you string these words together.

industry_corpus2: Literature & Emotions


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Today we were pleased to welcome the first kids of the 2018 season (they couldn’t wait for the New Year!) with a pretty brutal cold front rolling in, so it seemed like a great time to share the story of having babies right in a bedroom of our home.
Early in our goat days, we had just moved to a little farm in an obscure town in Texas. Our home was a “fixer upper” with its share of problems, and we were pretty unprepared when we had a nasty cold snap roll in. At the time, I’d severely cut our herd down, leaving us with just two does – Hope and a sweet little doe named Rudy. Hope was due to kid any day, and our temporary goat shelter was far from adequate for newborn kids. I was fraught with worry – we had to find a solution, and quickly.
The next morning ice was hanging from our kitchen faucet and the two does were huddled in their little doghouse, so I made a decision. The back room in our home was only used for storage, so I sent my husband to town to pick up tarps and shavings. I moved out the dusty boxes, and we spread the tarps out on the floor and then covered them with shavings. Hope and Rudy came inside without hesitation and we walked them to the back room and gave them hay and water. They seemed to like their new digs, peering out the window with interest and making little nests in the shavings. I for one was delighted with how easy it was to check on them, and half of me wished I could turn the room into a permanent goat stall – but we all know that keeping goats inside long term is a bad idea!
Hope, a very smart doe, apparently enjoyed it too and decided to hold onto her babies a little longer. She and Rudy sat in the back bedroom in comfort as our pipes all froze in the wretched cold, then cracked and burst. They gleefully drank expensive bottled water from their bucket as we wriggled underneath the house, pulling out old brittle pipes and replacing it with new.
When the sun returned and began to thaw out our frozen little farm, Hope finally went into labor.
Her two little boys came quickly and without issue – Hope was always a very good birther and mother. Cute as buttons, they looked exactly like her first set of kids with me, and it wasn’t long before they were up and bouncing around in the shavings.
A few days later, all the pipes were replaced and delivering water once more, and Hope’s babies were strong enough to go outside for the first time. Hope and Rudy reluctantly left the back room, clip-clopping down the hallway and out the back door, the two bucklings dancing along behind them making little squeaks of happiness.
Those two little boys were like a bright ray of sunshine on our farm, and when they were old enough, they went to an amazing home as pets, and I was able to keep up with them and their adventures for many years – at one point they even came back and stayed for a time while their owner was on vacation.
Hope was an amazing goat and she lives on in my memories of little adventures like this. She taught me so much, and her granddaughter Minx has so much of her personality. I still miss her, but her bloodline will live on as long as I can keep it going – let’s “hope” Minx gives us the next generation this year.
Happy New Year my friends – I hope you’re looking forward to all the new adventures that 2018 will bring as much as I am.
Most of you know Pinky, but if not, let me introduce you! Pinky is the last of the toxoplasmosis infected babies. She had a very rough start to life, developing a terrible infection in her eyes and possibly brain as a newborn, needing round the clock care. She not only survived, but is thriving now!
Unfortunately, the viral illness did take most if not all of her sight, but Pinky has never let that stop her. The bigger she gets, the naughtier she gets I think sometimes! Having lived much of her early life inside the house, she is quite certain that the world was made just for her.
As Pinky got older, we started letting her go outside to browse under supervision. She became harness trained in no time, and even visited Tractor Supply to pick out a brand new harness! Everyone fell in love with Pinky hard, and we all are dedicated to her lifelong care, even if keeping track of a blind goat can sometimes be a challenge!
Pinky’s adventure started out innocently enough. She was in the front yard, picking at grass happily like always. As we all know so well, it’s so terribly easy to become distracted and complacent! Pinky has always stuck very close to the house where she is familiar with her surroundings, but one evening, as we became busy with chores and milking, Pinky decided that wandering off into the big pastures and forest just seemed like a great idea!
By the time we noticed, darkness was closing in, and Pinky didn’t respond to our calls. Normally when she becomes lost and confused, she begins to circle and call, helping us to pinpoint her location. We walked out, calling for her, but silence only answered between the crickets chirping in the long grass. Sick with anxiety, we were forced to call off the search before long and returned home, with plans to go back out as soon as there was light enough to see again.
Morning milking was rushed through and as soon as it was finished, we trotted out to look for our little adventurer once more. We had around 25 acres of mixed pasture and forest that she could be on now – I tried not to worry too much about predators; thanks to the Z-Team, most wild hunters give our property a wide berth now. We followed the main goat paths, calling for little Pinky, but as the minutes grew longer with no response, our concern only grew. It would break the entire farm’s heart to lose Pinky.
After some time I stopped and stood for a while just to think. I knew I could go back and fetch Apple the pony and cover more ground, and decided if we didn’t find Pinky soon, that is what I would do. I took a moment to think more like a goat – where would I be if I was a goat? A blind lost goat?
I would go to water, which animals can locate by smell. But Pinky was no where near the main ponds in the pasture, where she had often grazed before under supervision. I retraced paths I know the goats take well, considering the options. Luckily, I spend a great deal of time out with the goat herd and know the property fairly well. I knew there was another pond in a forested area, just an oversized puddle really, shadowed by trees and sheltered in a hollow with fairly steep sides all around. I split off from the others to check that area, calling for Pinky as I went.
She didn’t answer, but I spotted her bright little face peering upwards at me as soon as I reached the edge of the trees. “Pinky!” I shouted, leaping down to the water’s edge to scoop her up (Oof, she’d gotten heavy by that point) and bring her back to the pasture. “I found her!” I called out in relief as Pinky nosed at my cheek, as if to ask what took so long. She was no worse for wear despite her long night all alone in the forest.
I put her down once we joined up with the others and we patted and made a fuss over her, scolding the little goat for making us all worry and search. She was thrilled with the attention and began to beg for treats, searching eagerly for our pockets. Relieved, we were able to laugh now and we took Pinky home to be spoiled a little extra.
Needless to say, Pinky no longer browses without the GPS tag attached to her harness, though her browsing hours are few these days. Now she spends most of her time with the kids, relearning what it’s like to be a goat, and she loves it. It’s amazing to see her boss around the others, and even more astounding to see the other kids adjust their own behavior to suit Pinky’s disability.
No matter what happens, Pinky will be cared for and loved for her entire life, and I can’t help but wonder as I bend over to pet her and she looks up at me with her smug little expression, if she’s thinking about the time she had an exciting overnight adventure all on her own.

industry_corpus2: Agriculture & Fisheries


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Petshop Gallery kicks off its 2017 calendar year with two exhibition openings this February 3rd, 2017 during Benson First Friday. Exhibits will feature three Lincoln artists: Bri Murphy solo in the South Gallery and an installation by Ian Tredway & Chase McClaren in the North Gallery.
In the South Gallery: Case Study featuring new work from Murphy. After graduating in May of 2013, she moved to Lincoln, Nebraska to be an Artist-in-Residence at the LUX Center for the Arts. She was appointed to the position of Gallery Director at the LUX in January 2015 and continues to work in her studio.
Her work exists in the space between science and art, with her application of 3D medical imaging software to slipcast porcelain forms. Murphy has always been compelled by the relationship of our physical selves to our psychological beings and her work draws on the resulting tension of this dynamic.
In the North Gallery: Dissipation: An Act of Balance, installation work from Ian Tredway and Chase McClaren. In this exhibit, the duo will explore contrast while finding balance, especially in a world that is increasingly complex and daring. Through materials they will attempt to construct situations that tackle ideas such as complacency versus growth, synthetic versus organic materials, and the idealizations human need to try to control the uncontrollable.
Lincoln artist Chase had a residency at the Santa Reparata School of International Art in Florence, Italy. Using natural elements and man made materials, McClaren creates compositions that pair human design with subtle organic variations.
Tredway, received a Bachelors of Fine Art from the University of Nebraska-Lincoln, with an additional residency at Santa Reparata School of International Art in Florence, Italy. Tredway uses materials such as cloth and plastic weed barriers, stains mixed with stain-remover, tapes, and adhesives to entertain multiple contradicting ideas at once in an attempt to find structure.


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Spending hours on Pinterest searching for decorating ideas for your toddler's play room is a uniquely modern activity, but the instinct behind it--decorating your living space to enhance its comfort and appearance--is almost as old as humanity. The earliest cave paintings, discovered at Maros in Indonesia, date back over 35,000 years. Who can deny that these early designs represent the earliest expressions of home decor?
The Romans in particular were lavish interior decorators, with their intricate mosaics, rich tapestries, and plush upholstered couches. The Romans pioneered home comforts such as the hypocaust (an early form of central heating) and glass-paned windows, an innovation that died out along with the Roman Empire. Glass-paned windows didn't reappear until the Middle Ages, when Saxons resurrected the practice.
Many design trends were born from function, not style. The four-poster bed that later generations associated with status and wealth? That innovation of the Middle Ages was designed for warmth and protection--the frames were used to hang heavy rugs and quilts to protect against winter drafts.
For much of history, home decor was the province only of the rich; fine furniture, fabrics, textiles, and rugs were made by hand and far too expensive for common folk. It took the Industrial Revolution in the 19th century, and the advent of mass production, to unleash the inner home decorator in every Victorian.
In the late 19th century, home decorating as a hobby or profession puttered along without much attention from Victorian hobbyists. Feminist author Mary Haweis wrote a widely read series of essays around the turn of the century in which she advocated rejecting the decorating conformity being pushed by popular retailers of the time. She wrote, "One of my strongest convictions, and one of the first canons of good taste, is that our houses, like the fish's shell and the bird's nest, ought to represent our individual taste and habits." Mary’s assertion was in fact a shocking idea that paved the way for a brand new profession: the interior designer.
Home decorating took off with the advent of mass culture in the early 1900s, and the last 100 years have seen a remarkable revolution in the way we approach home decor.
Pittsburg's KDKA, the nation's first radio station, hit the airwaves in 1920, and by 1923, there were over 500 stations across the country, and there were radios in 12 million American homes by the end of the decade. For most families, the radio became the center of family life, and living rooms were generally arranged around this new and remarkable piece of technology.
Design trends of the Decade of Excess included the opulent influence of the Art Deco era as well as the modern, pared down modernism of the Bauhaus movement in Europe. Black and white tile floors, shiny modern surfaces such as mirror, glass, and chrome, and furniture upholstered with glittering metallic-touched fabrics were the height of style in 1920s homes.
The glamour of Hollywood played a role in home fashions as well. Cocktail carts and smoking loungers were desirable touches, as were exotic accents from Africa and the Orient. Furniture by Le Corbusier and Eileen Gray set the standard for a fashionable home, accentuated by an opulent display of ostrich feathers.
The 1920s housewife was introduced to modern conveniences such as the washing machine, electric flat iron, ice box, and vacuum cleaner, but few women could enjoy them because home electricity wasn't widely available outside large cities. The excesses of the 20s screeched to a halt with the stock market crash, resulting in a much more austere 1930s.
In the 1930s, interior design's focus turned towards function and form. A living room chair needed an ottoman or footstool properly placed, as well as a table with a lamp for reading. The concept of proper furniture placement emerged, and designers stressed convenience and traffic flow in choosing furniture pieces.
Furniture manufacturers capitalized on this new trend by introducing matching "suites" of furniture that included everything from coordinating lamps and vases. One popular 14-piece living room suite came with one sofa, two accent chairs, two foot stools, three matching tables, two table lamps, two floor lamps, two vases, and a sofa "cushion," the precursor to today's throw pillow.
Hanging modular shelving became popular in the 30s so that households could display their favorite knickknacks, trinkets, and ceramics. Souvenir spoon collections, which were introduced at the turn of the century, were wildly popular with the housewives of the 30s. The electric table fan was introduced in 1931, and every family with a few dollars to spare clamored to buy one.
The Federal Housing Administration, created by President Franklin Roosevelt in 1934, set standards for what a home must have to be eligible for a mortgage. In 1939, for example, if a home didn't have bedrooms with doors that closed, adequate lighting and ventilation, an accessible bathroom, space to do laundry, and closets for blankets, linens, and cleaning supplies, it wouldn't qualify for a mortgage loan. For the first time, the government took steps to ensure a uniform standard of housing, an important step given the housing boom of the 40’s.
After the soldiers returned from World War II, the country experienced a housing boom unseen in its history. The GIs and their brides moved en masse out of the crowded cities into planned neighborhoods in the suburbs packed with affordable tract homes. The wartime generation then started making lots of babies--the first baby boomers were born in 1946.
After the deprivation and austerity of the Great Depression and the war era, wives of the 40s wanted bright, colorful, welcoming homes. The focus was comfort. Unlike homes of earlier eras, many 40s era homes had carpeting in each room, and wallpaper replaced paneling as the interior finish of choice.
Home interiors bloomed with floral fabrics in cheerful reds, blues, and yellows. Sofas and chairs plumped up, with extra layers of stuffing and better strung seats. Potted plants popped up in corners, and table displays were more carefully cluttered with books, family photos, and knick-knacks which was a notable change from the bare, formal look of past decades. The iconic rooster figurines so popular with collectors of retro kitsch hit peak popularity in the kitchens and living rooms of 1940s homes.
The Victorian-style front porch was replaced with enclosed sleeping porches at the rear of the house, which was the result of noisy cars and trucks on the streets in front and the birth of the suburban backyard, a luxury not found in the urban homes of past decades. Families of the 40s wanted outdoor living space with their new backyards, and the sleeping porch evolved into spacious screened porches, sunrooms, and covered patios with space to relax and have an outdoor meal, a desire that shaped the home plans of the 50s.
The suburban explosion kicked into high gear in the 50’s, with millions of ranch homes springing up with surprising rapidity. These suburban neighborhoods teemed with children, earning them campy nicknames like "Fertility Row," and "Rabbit Hutch." The American economy was in overdrive, and people were optimistic about the future. The 50’s was the decade of the family--over 4 million babies were born each year, more than any other period in history.
Homes reflected the decade’s focus on the family; in fact, this decade introduced the family room into American architecture, and most homes of the era were designed with at least two baths. Attached two-car garages became the norm, as did sliding glass doors and outdoor decks. Garbage disposals, fireplaces, kitchens with matched range and refrigerator and dual sinks, walk-in closets, and walk-in ceramic tile showers with glass doors were home innovations of the 1950’s. Interiors were open and airy, with just screens and lattices to break up open living spaces.
While women in past decades showed interest in home decorating, the women of the 50’s embraced it with a passion. They had spacious new homes and yards--and the time and disposable income to decorate them. The popular women's magazines of the day, such as Good Housekeeping, Woman and Home, My Home, and Home Journal, reflected this zeal for creating a lovely, comfortable, and well-run home.
Decor trends of the era were heavily influenced by Scandinavian furniture styles and modern materials such as lucite, vinyl, and chrome. This look, known as Mid-Century Modern, featured two color palettes: Modern (electric primary colors matched with black and white) and pastel (pink, aqua, and mint matched with blonde woods). The iconic Eames lounge chair paired with a chrome and lucite table topped with candid family photos in boxy acrylic frames was the height of modern living room style.
The 1950’s kitchen was the heart of the home; families ate dinner there, eschewing the formal dining room of the past. A formica and chrome Duncan Phyfe dinette with matching vinyl-covered chairs was a must-have for a fashionable kitchen. Occasionally, an indulgent mom would let the family take a casual meal in the family room on new-fangled metal TV trays while watching I Love Lucy or The Jack Benny Show.
Design trends of the 60’s seem almost schizophrenic, perhaps because they were a mashup of the two main influences of the era: The space race and the countercultural "hippy" movement. Colors inspired by nature were ramped up to intense, almost painful hues that were found on everything from cars to appliances to furniture. At the other end of the spectrum, energetic pinks and oranges in psychedelic patterns and oversized florals accosted the senses.
Batiks, cotton fabrics from Morocco, bold tie-dyes, and saris from India were used for everything from bed spreads to curtains. The iconic yellow smiley face was designed by Harvey Ross Ball in 1963 and hit peak popularity in the late 60’s, popping up in home decor on fabrics, pillows, and even on vinyl furniture.
America's infatuation with the space program showed up in many ways in the home. Furniture made from heavy duty plastic, PVC tubing, and chrome set a distinctly futuristic look. Mies van der Rohe's popular plastic S-chairs set the stage for 1967's epochal Panton chair, driving fashion-forward women out in droves to snap them up to complement their modern black and white decor. Modular adjustable shelving units in brushed copper or chrome anchored family room walls or served as airy room dividers.
For good or ill, shag carpeting made its debut in the 1960’s, blanketing suburban living rooms in vivid hues of moss green, rusty brown, saffron yellow, and even weaves of all three. Girls bedrooms of the 60’s featured bubble-gum pink shag and white and gold Princess furniture. The country's shag-mania even led to such decor blunders as shag toilet seat and tank covers, shag-covered chairs, and even shag bed spreads.
Posters as wall art went vogue in the 60’s, with Andy Warhol's popular Campbell's soup print taking center stage in modern kitchens. "Mod" was the operative word, and lava lamps and fiber optic lighting was de riguer in bedrooms and family rooms. 60’s favorites included ceramic Siamese cat figurines, anything mushroom--think mushroom-shaped candles, cookie jars, even salt and pepper shakers--and owl pictures and figurines. The daisy delivered the ultimate "flower power," and daisy print fabrics were popular for curtains and tablecloths.
Tom Wolfe, the American writer, called the 70’s the "Me Decade;" perhaps it's not surprising that Self magazine launched in the 70’s. This new-found self-awareness led many Americans to seek spiritual enlightenment in ancient Asian religions, a trend that showed up in the decor of the 70’s. Paradoxically, as Americans were turning inward, they were also turning outward. Environmentalism was elevated to national prominence--Earth Day was established in 1970, and Greenpeace was founded in 1971. These two trends had a significant impact on home decor.
The decade's color palette was anchored in nature, with browns, greens, and blues paired with sunny yellows and oranges. White was a hugely popular furniture color--white wicker patio sets, white vinyl kitchen dinettes, white leather sofas, white Saarinen tulip chairs--accented with bursts of color and bold floral patterns. One designer of the era called the 70’s post-modern look "eco-tripping back to nature."
Ranch homes were still the rage, with new enhancements such as sunken living rooms, floating staircases, and finished basement "rec rooms" containing a billiards table and bar. Exposed brick walls, dark wood paneling and ceiling beams, and skylights were common features in a 1970’s home, and atriums and indoor gardens were growing in popularity. A well-appointed home featured at least a few pots of creeping ivy in a macramé hanger.
The 70’s were also notable for the introduction of faux fur as an upholstery choice for sofas and chairs; a faux fur bean bag was a particular prize. Faux fur rug islands bobbed in a deep brown sea of wall-to-wall shag. Living room furniture had a square, boxy appearance, and chunky sectionals were in vogue. It wasn't uncommon for a single wall in the family room to be papered with a photo mural of a forest or beach.
Harvest Gold was the color of choice for kitchen appliances, although you could also buy them in Coppertone and Avocado. Electric fondue pots were all the rage for family dining. Other kitchen innovations of the decade include jack-in-the-box dishwashers that opened from the top, hot air popcorn poppers, food processors, and the ultra-exclusive microwave oven.
Other regrettable 1970’s fashions included white globe lighting, indoor-outdoor carpeting for sunrooms and patios, and bright pink, yellow, and blue bathroom sinks and even toilets--swathed in more brightly colored shag covers.
While some of the cultural icons of the 80’s are making a comeback, 80’s home fashions definitely aren't. In fact, it's been persuasively argued that the 80’s was the ugliest decade for home decor. Home interiors of the 80’s typically fell in one of three camps--Southwestern, Country Chic, or Prep--and sometimes a busy combination of all three.
Color schemes were invariably pastel, with peach and "sea foam green" being a hugely popular combination for formal living rooms and bedrooms. Delicate floral prints a la Laura Ashley decorated everything from ruffled tablecloths and bedspreads to sofa pillows and curtains. Even southwest-inspired palettes were subdued shades of rose and teal accenting the ubiquitous "Navajo white" paint.
Furniture of the 80’s tended to be overstuffed and upholstered in shiny floral chintz or thick velour. No longer content with its place on patios and porches, rattan furniture made its way into living rooms and family rooms, where a La-Z-Boy recliner was also a must. Polished brass was the finish of choice for table legs, indoor planters, bed frames, and even bathroom faucets. Glass-topped tables were de rigueur in living rooms, kitchens, and dining rooms, where metal framed chairs with caned backs and velvet cushions rounded out the dining tableau.
The short-lived Fern Bar trend of the era made its way into the home; 80’s decor featured plenty of feathery ferns and greenery hanging from ceilings and flowing over tables. Wallpaper borders snaked their way around bedroom, dining room, and kitchen walls, and vinyl vertical blinds dominated sliding glass doors. Track lighting popped up in family rooms and dens, even making its way over butcher block islands in large eat-in kitchens.
Kitchens of the era featured dark wooden cabinets, brass and ceramic knobs and pulls, and revolutionary Corian countertops. The truly stylish kitchen demanded an overhead rack hung with copper pots and pans—and only copper would do. The most desirable homes featured either a kitchen island or a kitchen nook, and often featured both.
"The Official Preppy Handbook," published in 1980, had a strong influence on design trends of the decade. Horizontal stripes, crisp navy and white color schemes, nautical themes, and plenty of canvas evoked the Hamptons look memorialized in the book. White wicker forests with blue pin striped cushions occupied furniture on porches and patios.
The words "hunter green" and "dusty rose" conjure up 90’s decor like no other, except perhaps "sponge painting." Anyone who grew up in a 90’s decorated home likely had a hunter green accent wall in the family room, a dusty rose living room, and a bedroom or bath with sponge-painted walls. And who can forget the ever-present ivy stencils gracing 90’s kitchen walls?
Homes in the 90’s woke up with a pastel floral hangover and treated it with a heavy dose of beige and bright colors. The tiny prints of the previous decade were replaced with plaids and stripes in bright bold colors. Clean white melamine cabinets without knobs or pulls replaced the dark wood kitchens of the 80’s and well-dressed kitchens of the era featured square wicker baskets of silk ivy plants placed atop cabinets and trailing down walls.
Wallpaper borders were banished and replaced with stenciled rows of ivy, flowers, fleur de lis, nautical designs and even inspirational words and phrases ("live well, laugh often, love much"). Sponge painting and faux finished walls popped up in family rooms, bedrooms, and baths.
America's passion for crafting included silk flower arrangements. Baskets and vases were filled with silk flowers and greens, and mounds of silk blossoms covered grapevine wreaths to hang on walls and doors. No room was too small to escape a floral design; even bathroom vanities, lit with classic 90’s-era Hollywood lighting, were topped with small floral arrangements.
The 90’s was a decade of conspicuous consumption; the bigger the better. The homes of the era, derisively called McMansions, featured soaring two-story foyers, ostentatious brass chandeliers, arched doorways, and huge, multi-paned windows covered in layers of ornate curtains and drapes. Three, four, and even five bay garages, "garage mahals" in 90’s parlance, were common, as were in-ground pools and huge multi-tiered decks.
Big, bulky sectionals festooned with pillows and throws were the family room furniture of choice, and light-finished pine was the preferred for tables, buffets, curios, and desks. The fashionable living room featured a large entertainment armoire to discreetly disguise the TV, VCR, and in progressive homes, DVD players.
Kids of the 90’s will remember other trends from the time including inflatable furniture, glow-in-the-dark plastic ceiling stars, celestial-themed bathrooms, and garish bed-in-a-bag bedroom decor.
As the century--and the extravagance of the 90’s--came to a close, Americans re-evaluated their relationships with their homes and living spaces. New technology and flexible work opportunities led to a rise in telecommuting, and the home office, along with the media room and the mud room, became the most in-demand rooms in a home.
The formal living room and dining room gave way to spacious multi-purpose great rooms designed to enhance family interaction. Home theaters, complete with theater-style seating and Dolby surround sound, slowly evolved into modern media rooms equipped with flat screen TVs, video on demand, sophisticated sound systems with almost invisible speakers, and sleek, cozy sofas and leather lounge chairs.
For many 21st century families, environmental awareness and sustainable living affected buying decisions as much as factors such as price and appearance. Hardwood, stone, tile, and bamboo replaced wall-to-wall carpets as the flooring of choice, and recycled materials turned up in countertops, furniture, and even art.
Families ditched the oversized sectionals of the 90’s in favor of slimmer pieces that defined each space and room in the home. The old rules governing matching pieces were turned on their heads and eclectic mix-and-match styles expressed each home's individual features.
Shoppers returned to the light, airy Scandinavian styles that marked Mid Century Modern but with contemporary twists like nubby natural fabrics and recycled wood. The rise of flat-pack furniture--and an Ikea within driving distance of nearly every address--made stylish, well-furnished interiors possible for everyone, even new families on limited budgets. Kitchens of the decade progressed beyond the black and white appliances of the 80’s and 90’s; stainless steel surged in popularity, along with countertops made with natural materials like granite, marble, and wood.
Outdoor spaces took on outsized importance; al fresco dining spaces and even outdoor kitchens became almost necessities. The formal landscaping of 90’s homes gave way to herb and vegetable gardens, whether planted in suburban back yards or in grown in containers on urban patios and decks. The 21st century home integrated both indoor and outdoor spaces into a comfortable, functional, sustainable whole.
The social sharing platform Pinterest revolutionized the way families decorated their homes, with creative individuals sharing everything from decorating ideas, DIY projects, entertaining possibilities, and party planning. Working moms who want to repurpose a linen closet into a functional workspace or find ways to make flat-pack furniture their own find creative solutions from like-minded women, in a personal way they can adopt as their own.
What will the homes of the 2020s look like? The International Furnishings and Design Association has some excellent predictions. According to their most recent survey, the homes of 2025 will look radically different from the homes of the last 100 years.
Homes will be smaller, with fewer--but larger--multipurpose living spaces. Formal living and dining spaces will go the way of the dinosaur, replaced by large, open rooms that accommodate all the activities of 21st century families. The home office will become space for telecommuting while combining space for homework, projects, and even entertainment.
The kitchen, still the heart of the home, will grow larger, with plenty of space for preparing and eating home-cooked meals; families of the 2020s will devote more time to cooking and eating together. Kitchens of the future will include innovative features such as smart faucets that dispense both ice and carbonated water, in-sink dishwashers that can wash dinner dishes in five minutes or less, integrated modular conduction cooking elements, and composting drawers that turn food scraps into food for the garden.
Luxurious spa baths will replace multi-car garages as the must-have feature for 21st century homes. Deep soaking tubs, free-form walk-in showers with multiple shower heads, and natural materials such as granite and stone will be the hallmarks of a well-designed bath. The master bedroom and bath will become a welcome retreat for busy couples.
Modular, multi-purpose furniture that is easily moved and scaled to smaller 21st century homes will replace room-specific pieces; built-ins and big furniture have no place in the homes of the future. Technology will be completely integrated, with fixtures and appliances remotely controlled by smartphone apps.
The Internet of Things will connect everything from the thermostat and coffeepot to the car and the calendar. Everything from heating to air conditioning, lights, and even motorized window coverings will be sensor or voice-controlled. Gauzy curtains, Roman shades, and even naked windows will overtake the overdressed windows of previous years.
Outdoor living space will grow in importance, and tiled terraces and brick courtyards furnished with outdoor fireplaces or fire pits will become the norm. An outdoor prep sink for cleaning home-grown produce, a smoker for curing meat and fish, and even a fully functional outdoor kitchen will be must-haves in 2020’s homes.
The houses of the future will be smaller, more efficient, technologically integrated, and focused on convenience. In short, they will be comfortable homes where families enjoy spending time together.

industry_corpus2: Real Estate & Construction


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IRO’s Fall 2016 collection is what you need to be dressed to kill!
IRO has always being wooing us with its path breaking ideas, inspirations and styles which are so rocking that they are even hard to give a miss. Launched a decade back by Bitton brothers, the French fashion label has made a niche in the industry now a decade apart with its edgy street style looks which blends the perfect amount of elegance and cool.
From leather jackets, jeans, dresses, footwear to jewellery, ever ensemble from the French label is so ingeniously designed that it resonates the style of every modern girl, making it secure a place in her favorite brands. Reason being, IRO has now acquired a cult following their trendy collections without wasting any time when it hits the stores.
Now since we are in fall 2016 thus IRO has got an exquisite collection for the season to turn fall more fascinating. Bringing their patent ‘rock and roll’ style into play the fashion label has made more use of dark shades as black for the Fall Collection. Further as a matter of course, every outfit perfectly represents the idea of laid back street style fashion with a chic finish.
IRO’s Key statements for fall!
The Fall collection yet again is a wear-anywhere kind of readymade assortment introducing distressed jeans, pencil skirts, pumped-up trousers and striped T-shirt with holes which are the key statements for this Fall season.
The whole collection has been modeled by Anja Rubik for whom this happens to be her third consecutive Fall-winter season to represent the label. Photographed by Collier Schorr, the Polish model could be seen donning baggy classic pieces which have been turned fresh and edgy with a street chic approach. Besides this, the collection even includes floral prints, checks and stripes to make the whole thing more fun and intriguing.
Furthermore, most of the attires are teamed up with leather jackets, bomber jackets, thigh high or ankle high boots as well as IRO’s exclusive rang of stylish bags. The complete looks compassing the attires and the accessories depict quintessential spirit of New York and French style altogether.
How much comfy and cozy IRO’s Fall-winter collection is?
Well, as far as the Fall-winter outfits are concerned, most of the times either they lack comfort else sideline looks, however as an exception, IRO’s collection has all what we require. The exact amount of style quotient with the best craftsmanship and comfort!
There is wide assortment of options available to keep the fashion game high all the while during this fall. We would recommend all you girls with an eye for fashion to do have a glance on IRO’s Fall-Winter collection which is a trailblazer that you are much in need of. Being precisely crafted, the brand’s ensembles are already a hot favorite of fashion elites and Hollywood celebs too, now it’s your turn to turn your fashion game more interesting.
Athleisure is a trend that took fashion by storm. By definition, "Athleisure” refers to clothing — like yoga pants, sweat pants, tank tops, sneakers and hoodies — that are designed to be worn both for exercising and for everyday casual wear. Though technically they are considered active wear but they are stylish and well- made enough to double as basic casual clothing.
Celebrities such as Rihanna and Kim Kardashian and models such as Gigi Hadid, Kendall Jenner and Cara Delavigne are fans of athleisure. The Duchess of Cambridge, Kate Middleton has also been spotted once wearing this trend.
Designers such as Stella McCartney and Kate Spade has been collaborating with brands like Adidas and Beyond Yoga for their own athleisure line. Artists like Beyoncé and Rita Ora have also developed her lines. Vogue even declared Beyonce’s line has high-octane style to match a high-intensity workout.
Derek Lam is a New York based designer who has successfully incorporated a casual sporty vibe to his brand, Derek Lam 10 Crosby ( https://www.ifchic.com ).
Eight years after the launch of his first label , Derek Lam decided to expand his brand to include a diffusion line. In June 2011, Derek launched his second label called Derek Lam 10 Crosby. Derek Lam 10 Crosby is lower-priced, casual brand which has an unpretentious, casual sporty vibe. Derek is still faithful to his sophisticated and detailed aesthetic but made Derek Lam 10 Crosby more accessible to many women. "I am interested in what it means to live a contemporary life," says Derek. "I always consider what will work for women at this moment, and to me this moment is about luxury without formality."
10 Crosby Derek Lam is named after the address of the Derek Lam International, LLC headquarters in downtown Manhattan, where Derek finds much of his inspiration for the new label. This line has a younger spirit than Derek's first label, and he strove to incorporate things that he could not use in his main collections. Derek Lam 10 Crosby has more sensible fabrics for every day wear, slouchier shapes, prints, and vivid colors that brings out a young vibrant vibe.
Still a bit hesitant on how you can pull this look? When trying out athleisure, Vogue advises women to invest in pieces that mix function and fashion. It’s got to be clothing made using performance fabrics which are not see-through when you bend forward and it’s quick drying, odor resistant and moisture wicking. Active wear doesn’t mean wearing ratty clothes with tears and stains. You should still look well put together. Paired with the right accessories, you will look chill, casual and effortlessly gorgeous.
Though there might still be some debate on when and where showing up in your active wear, no matter how expensive or stylish, is appropriate, we cannot deny the lure of athleisure is hard to ignore. It is the perfect combination of comfort and style. Be it on the school run, in the line for morning coffee, over a business lunch, or even drinks, performance wear as every day wear for women of all ages is becoming a norm.


text: Be careful what you post on social media...not only can it haunt you--it can kill you. In this suspenseful meld of terror and technology, five high-school teens have their group chat hacked by an uninvited guest--who vows revenge unless they reveal the truth about an embarrassing post exactly one year earlier that led to a girl's suicide. Starring Shelley Hennig, Moses Storm, Renee Olstead, Will Peltz, Jacob Wysocki, Courtney Halverson and Heather Sossaman. Directed by Leo Gabriadze; written by Nelson Greaves.

industry_corpus2: Film & Entertainment


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industry_corpus2: Finance & Economics


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industry_corpus2: Power & Energy


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You have taken the plunge and bought a new Honda Fit. Congratulations! You are going to enjoy this car which gets great gas mileage and comes with Honda’s reputation for excellence in construction. The low maintenance and great mileage you get will bring you years of enjoyment.
However, you may now be concerned about insuring your Honda Fit. Because it is a relatively new car, insurance rates are still being determined on many of the models. How do you know if your insurer is giving you a good price on your Honda Fit automobile insurance?
Overall, prices for the Honda Fit are going to be a little higher than for some other models. There is a very simple reason for this: the Honda fit is an unknown quantity. Because it is so new, insurance companies do not really know how much it will cost, in the long run, to repair and replace Honda Fit models which are damaged or totaled in accidents.
Insurance companies do not like unknown risks; therefore, they will tend to err on the side of caution and charge slightly more for the Honda Fit than for similar models which have been in existence longer. Once data is obtained on the Honda Fit over the course of several years, the prices will likely stabilize.
This is not to say, however, that insurance costs for the Honda Fit should be wildly higher than for similar makes and models. Insurance companies can predict with a fair amount of accuracy what costs will be to repair or replace new models of cars; you might expect to see a 5% higher premium than that of a similar car for the first few years on the Honda Fit. Anything more than that is excessive and you should find another company for your insurance needs.
The Honda Fit has several things going for it in terms of insurance prices. First, it gets great mileage and is easy to maintain. While this does not directly affect the price of your insurance, it does have an indirect effect as many more people will be likely to buy such a car, and this will eventually help to lower insurance costs across the board.
Because it is compact, replacement parts and costs will be slightly less than for larger vehicles. Even the types of people who drive Honda Fits—upwardly-mobile, environmentally-conscious younger and older drivers—can have an impact on the overall cost of car insurance for a single owner.
The Honda Fit also has some disadvantages when it comes to insurance costs. Because of its small size, the chance of injury if involved in an accident with a larger vehicle is higher, resulting in higher premiums. Further, if you drive many more miles, which you are likely to do with good gas mileage, your premiums can jump as well.
However, overall average prices for Honda Fit insurance are basically in line with other cars of its size and construction. The average cost to ensure a Honda fit is $1,220 per year. Bear in mind that this figure is an average and may in no way be reflective of an actual quote. A 32-year-old female in Ohio may pay only $400 per year, while a 20-year-old male in California may pay $1,800.
It helps to compare averages against other vehicles, rather than take averages as an indication of what you will pay; for example, the Ford Focus average is $1,120 per year, or about $100 less per year than the Honda Fit.
This number is far more indicative of what you are likely to see than the premium quote itself; you can expect to pay about $10 more per month for insurance for a Honda Fit than for a Ford Focus.
Of course, your driving record, location, and other demographics will have the biggest impact on what you pay for insurance. Be sure to get multiple quotes to find the best rates for insuring your new Honda Fit.
Trying to find ways to lower your auto insurance premiums can become a full-time hobby. If you want to save money and get the best discounts, you may try tweaking your policy’s deductibles, limits, and coverage types. You may also decide to pay in advance and take advantage of good driver and good student discounts.
Some people even believe that by buying their car insurance at a certain time of the year, they will receive the best discounts.
There may be some slight truth to that last statement. Winter tends to bring ice, snow, and sleet to many parts of the country, and there are simply more accidents at this time of year. On the other hand, summer is a time when most people travel by car, so there are statistically more accidents during the summer on the major highways.
No matter which season you examine, the number of accidents involving your particular age group, location, and type of vehicle will have an impact on your premium prices.
It would seem, then, that spring or fall would be the best time to buy your insurance—and it could indeed save you some money on your premiums. However, you can take advantage of far greater savings by controlling some things in your life which will have a direct impact on your premium, rather than relying on uncontrollable factors such as how many accidents take place in a given period of the year.
First, your driving record is still one of the most important factors in figuring your insurance premium, and it is within your direct control. Keep speed down to avoid tickets, and drive defensively; by avoiding accidents, even small “fender benders,” you will keep your premiums at their lowest.
Another factor within your control is your credit score, a factor which is becoming ever more important than others in figuring your automobile insurance costs. While it may not seem fair to some people, the fact is that people with good credit scores tend to have superior driving records when compared to people with low credit scores.
This could be due to a variety of factors, including the fact that people with better credit tend to have better-maintained vehicles, which leads to less frequent mishaps. Whatever the cause, insurance companies have been quick to recognize and capitalize on the credit score factor when figuring premium costs, and few states have laws disallowing this practice.
If you buy automobile insurance in the spring or fall of the year, with high deductibles and low limits, and with a good credit score and good driving record, you are probably doing the best you can to lower your premiums. The difference, at this point, between buying in the spring or fall and buying in the winter or summer will probably be negligible, but it does not hurt to get quotes and make comparisons.
Many companies, such as GEICO, Allstate, State Farm, and Progressive, have online quote generators. You can try getting a quote in the winter, then another in the spring, and compare the two prices. It is likely there will be a slight difference, although whether the difference is seasonal, due to an anomalous shift in accident patterns, or due to the economic fluctuations of the industry will be impossible to say.
Most importantly, get several quotes before you buy automobile insurance from anyone. Do not assume that the company you have always used is giving you the very best discounts; talk to your agent with other quotes in hand. Many times, agents have the power to reduce your premium to match other company’s offers; if they do not, you can always change your insurance to another company and save money.
The Ford Focus is a popular small vehicle due to its good fuel efficiency, often up to 35 mpg, its low sticker price, and its affordability to insure. Comfortable, stylish, and easy on the wallet, the Ford Focus has become a favorite for all age groups looking to save money on transportation.
What it will cost to insure a Ford Focus will depend on several factors. Age, driving record, and location are the most important demographic factors affecting your car insurance rate.
If you are a young male who has had a major accident in the last two years and lives in a large city, you will naturally pay more than an older, married female with a perfect driving history who lives in a small town.
Credit rating is also becoming an important factor in car insurance prices, as a high credit rating is statistically tied to more careful driving habits.
These things you may not have much control over; however, there are some ways you can save money on your insurance, the car you choose to drive is one of the most effective ways to lower your insurance costs.
In this regard, the Ford Focus shines. Insurers like the car because it speaks of economy and good financial sense; these qualities tend to translate into better driving records. Moreover, the Ford Focus is not very expensive to fix when compared to “luxury” sedans or SUVs, so even if you are involved in an accident, it will not cost the insurance company as much money to fix your car as if you had a more expensive model.
Ford Focus tends to hold its resale value, so insuring your car for full coverage is an important consideration. In many cases, cars lose value so quickly that once they are paid off, it is not worth it to keep full coverage on the vehicle. With a car which retains value, however, this may not be the case; be sure to assess the value of your Ford Focus before making a decision to drop any coverage.
The features on your Ford Focus will also determine how much you pay for insurance. You will pay far less for insurance if you have anti-theft devices, anti-lock brakes, air bags, and other safety features on your Ford Focus.
Many companies have great prices on Ford Focus auto insurance. For the average driver, the Ford Focus costs between $900 and $1,300 per year to insure. You can expect a drop of only about $20 per year for the first five years, however, so long-term costs of insurance are greater than immediate costs.
Of course, many factors can change this amount, but considering that the averages for many cars are much higher than this, it is a good indication that the Ford Focus is an insurance bargain. Insuring a Focus is not significantly higher than most other sedans, and you trade off the slight increase in price with an increase in value of your vehicle.
One thing working against the Focus on insurance costs is that the car itself depreciates so slowly. Your 2005 Focus is probably worth at least half of what you paid for it seven years ago. If you recently bought a Focus, it is probably worth at least 80% of the purchase price.
Insurance companies take this into account, knowing that they will have to pay out more on an older Focus than on some other cars. Consequently, you may pay more for your Focus insurance for the duration of your policy than you would for a car which depreciates more quickly. However, you will also gain a much greater payoff if your Ford Focus is wrecked, given the high retention in resale value.
How Much Does Camaro Car Insurance Cost?
The Chevy Camaro has been one of the most popular sports cars of all time. Relatively affordable, sleek, stylish, and with plenty of perks, the Camaro has been in continuous production since 1966, making it one of the longest-running lines of the Chevrolet brand.
Traditionally, the Camaro runs a V-6 engine with 304 horsepower, although a V-8 426 horsepower model is available. Most models run between $20,000 and $30,000 sticker price, making this car a tad on the expensive side for a first-time car buyer. For aficionados, however, the Camaro is a cult classic and many are sold each year.
The Camaro has a couple of strikes against it when it comes to insurance prices. Because it is a sports car, insurance rates will be higher than those for sedans or family wagons. The Camaro is a popular car, which makes it easy to move and sell, and it may become a target for thieves if parked in the wrong neighborhoods.
However, your rates for car insurance on a Chevy Camaro are going to depend in large part on your own driving history, age, and location. Like any other car, a Camaro can be relatively inexpensive to insure if you are a 45-year-old married male with a good driving record living in the suburbs. On the other hand, if you are a 20-year-old single male living in an urban area, your rates are going to be much higher.
The age of your Camaro is also going to have a large impact on your insurance costs. A new model will be more expensive to insure, by and large, than an older model. If you have a true “classic car” and do not drive it often, you may be qualified to buy specialized classic car insurance, which will generally be much cheaper than traditional liability insurance, but also does not give you the same coverage.
Premiums for a new Camaro can run anywhere from $1,200 per year for a good driver to $2,500 per year. While these rates are highly variable depending on where you live and your driving record, expect to pay anywhere from $120 to $200 per month to ensure a new Camaro. Prices come down substantially once a Camaro is five or more years old.
Some companies to consider when you are looking for insurance for your Camaro are State Farm, Allstate, GEICO, and Progressive. These are the largest insurers in the country and can often give you the most competitive rates. Progressive offers an online quote engine which will give you comparison rates from their own company as well as several others.
You can also visit an independent insurance agent and get quotes from several companies. Independent agents represent a variety of companies and can often give you “competitive quotes,” meaning that they can compare not only the premium price but also the coverage offered by each company, giving you an “apples-to-apples” coverage matrix which will show you exactly how much coverage you are getting from each company. This is an important consideration when you are looking at coverage for a new car, as many companies will only ensure “book value” rather than what you owe on the car.
If you have an older, or classic, Camaro, consider Hagerty Classic Insurance. This company has been in business since 1983, insuring boats and classic cars, and offers specialized insurance policies which meet the particular needs of older car owners. This type of coverage is especially valuable if your Camaro is a “show car” or one which is on the road only under certain conditions. You can often get classic or collector car insurance at a much lower rate than traditional insurance, with better coverage.
Does Regular Car Maintenance Lower My Auto Insurance Premiums?
You want your car to be in top condition, so you take care of it with routine maintenance: checking pressure in your tires, having your oil changed regularly, immediately servicing any problems.
This means your car will be far more reliable and will give you many years of good service. But what about your insurance premiums? You get a break on your price for being a good driver; what about for being a good car owner?
Unfortunately, insurance companies do not look directly at how well you maintain your vehicle. After all, it would be almost impossible for them to monitor this type of behavior with any efficiency.
In order to monitor how often you change your oil or have your car serviced, an insurance company would need a much larger infrastructure—resulting in higher prices for everyone.
For this reason, insurance companies tend to assume that you are taking care of your own investment, and do not check on your maintenance habits unless there is some direct reason for them to do so.
However, maintaining your vehicle can have an indirect affect on your car insurance premium, because good maintenance means fewer accidents or problems—things auto insurance companies do look at.
For example, think about your tires. Many people neglect to routinely check the pressure and tread of their tires—with serious consequences.
If you do not check your tire pressure and tread, the chances of a flat or even a blowout increase significantly.
If you suffer a blowout and it causes an accident, your insurance company is definitely going to be interested in why the accident happened. You may find yourself with a higher premium simply because you neglected this routine maintenance.
Another indirect way maintenance affects your insurance rates is when your car is out of commission.
Even if you are having your car repaired, the insurance company still charges you the same premium, although you are not driving the car. If you have to have an engine or a transmission replaced due to poor maintenance habits, your car will be inoperable for some time; however, you will be paying your insurance premiums all the same.
This means you are paying for coverage on a car you cannot drive, and that is not good business.
If you have an accident or a breakdown resulting from poor maintenance, your insurance company will find this out, and it can affect how your payout is handled. If you deliberately neglect a vehicle, the insurance company can often refuse to pay your claim; this depends on the circumstances of the accident or problem.
For example, you may have heard stories of how someone left their keys in the car and the car running while they ran in somewhere “just for a minute.” When they came out, their car had been stolen, and the insurance company gave the person a hard time about paying for the car.
While this is not always true, and insurance companies rarely refuse to pay a claim at all, it means much more problem for the driver than if the car had been broken into.
This same logic applies with maintenance on your vehicle. If you fail to maintain your brakes, for example, letting them run down to the point that they barely function, and then you lose control of your car and hit someone, the insurance company is going to have some questions before paying out a claim.
It is even possible that they could refuse to pay the claim, based on the fact that you knew that your brakes were not working but drove anyway.
The best course is to maintain your car. You will have a better-running vehicle, you will have peace of mind, and your insurance company can safely insure you against true accidents.
If I Miss A Payment Will My Auto Insurance Be Cancelled?
If you miss a monthly, quarterly, or bi-annual payment on your car insurance, what happens to your policy? Are you covered during the time the policy was unpaid? If you make the payment quickly, is your coverage reinstated? These are all questions people ask from time to time, if they have missed a car insurance payment by accident or due to unforeseen circumstances.
The answers will depend on the state in which you live, but generally speaking you do not lose your car insurance the day you miss a payment. Most states have laws which require insurance companies to offer a minimum “grace period” for your payment to arrive. An average grace period is ten days, although your grace period may be longer or shorter. If your payment does not arrive by midnight on the due date, you are considered to be in the grace period on your policy.
Once you enter the grace period, if you make your payment, everything goes back to normal, just as if you had made your payment on time. Most states will not allow insurance companies to punish customers for being a day or two late on their payments; in fact, you may have even longer than the grace period to get your payment in, depending on your state.
After the grace period expires, many states send out a “delinquent notice.” This still does not mean that your insurance in cancelled; rather, it means that you have a deadline to get your payment in. Some companies and some states do not have delinquent periods following the grace period; be sure to check with your insurer to find out. Delinquent periods can be as long as thirty days, but may be as short as five. In any case, once the delinquent period ends, your coverage will most likely be cancelled. This leaves you liable for any injuries or damage caused while you are uninsured.
While being uninsured is a terrible worry, you also have other problems if your insurance coverage is cancelled. When you obtain a policy, you are not the only one bound by the terms of the agreement; the company is also “on the hook.” Even if you speed or have an accident, your company must continue to insure you for the full coverage period agreed upon. If your insurance is cancelled, however, the company is not obligated to take you back. If you have a spotty driving record, this can present a problem in finding other insurance at a reasonable rate.
Even if you have a clean record, your company does not have to take you back if you miss payments. If the company feels that they will always be chasing you to pay them, it is very possible they will refuse to reinstate your policy after a cancellation. This means that you will have to search for new coverage, and will lose any customer loyalty or long-term discounts you may have had with your old company.
If the company chooses to reinstate you, they can, in many states, insist on a more structured payment plan.
For example, if you miss a bi-annual payment, your company may insist on quarterly or monthly payments. In many cases, this causes you to lose discounts associated with a “paid in full” policy. You may end up paying more in processing and handling fees with monthly payments, as well.
It is always wise to make your payments on time whenever possible. Even if you can only pay half of the premium, the company will often give you thirty days to get the other half; many companies offer this service to their regular customers, and do not consider it to be a “non-payment.” Talk to your agent or your company to find out options if you are having trouble making your payments.
Buying car insurance is expensive, even if you’re over the age of 30 and have never had an accident or even a ticket. Even with good driver discounts, memberships in automobile clubs, and other membership savings, insurance can take a bite out of a budget. And for those who have blemishes on their driving record, credit report or have to insure high-risk drivers such as teens, the cost can be astronomical.
This is why some look for ways to shave their premiums down. Stating they only drive 12,000 miles a year, when in actuality, they drive 15,000. Reporting their car is garage-kept, when it actually stays parked in front of the house. Even “forgetting” to include the 17-year-old new driver on the insurance policy – these are ways people try to save money on auto insurance.
But it’s a bad idea, folks. And here are a few reasons why.
1. Insurance companies always find out. If you take your car in for an inspection, and you your odometer reading doesn’t match the mileage you gave your insurance company, they will know you lied. For example, if your car has 100,000 miles on it, and you told your insurance company you only drive 12,000 miles a year, that’s an average of 1,000 miles a month. So, let’s say in June, you take your car in for its annual inspection. The odometer reads, 107,500. If you were really only driving 1,000 miles a month, the reading would be 106,000, give or take a few miles. That difference of 1,500 miles could be enough to trigger a further inspection of your insurance policy, and if it found that you lied about the mileage, the insurance company can cancel your policy.
2. Payback. Let’s say you “forgot,” and didn’t add your teenage daughter to your insurance policy. And let’s say your teenage daughter is answering a text, loses control of the car, and sideswipes five parked cars. You now have two issues: an uninsured driver was driving your car, which means your insurance company does not have to pay to repair your vehicle. But the bigger issue is that because she lives in your house and you didn’t include her on your auto insurance, the insurance company does not have to pay to repair the cars she hit either, and is also well within their rights to cancel your policy.
3. You don’t save anything. One of the reasons insurance premiums are so high, are because un- and under-insured drivers cost insurance companies billions of dollars each year. Auto insurance companies lost $15.9 billion in 2008 due to uninsured or improperly insured drivers. Insurance companies have to recoup those losses from somewhere, so they raise rates for drivers. So, by lying, you are just causing the rate that you are trying to pay as little of as possible, to increase. Which means you try to find something else to lie about to lower the rate. The lies create a vicious cycle.
So, the next time you’re tempted to lie on your policy — think again. It’s not worth it.
We all know why people pay their car insurance premiums monthly. It’s easier on a tight budget. Most people don’t have enough money for an upfront payment for 12, 6 or even 3 months of auto insurance.
Monthly insurance is also easier to cancel, and makes it easier to switch agents, but it’s not always the best option when paying for car insurance. There are many fees associated with paying a monthly insurance premium, and if you miss a check, you’re car insurance is automatically cancelled until you reinstate it.
A monthly payment may be easier to afford, but once the insurance is paid for 6 or 12 months, you can essentially forget about it and save the extra money. You’ll no longer have to budget for your auto insurance. It’s already paid, and therefore frees up money for the duration of the policy. It’s a great way to lower overall monthly bills.
Paying an insurance policy up front is also cheaper. Many insurance agencies require a deposit when you start your plan on a monthly basis, and they charge monthly service fees. These can range from a $1 a month to several dollars a month and adds up over the life of the policy. A deposit can be as much as the first month’s premium.
Neither of these fees is incurred when you pay your entire insurance policy up front. It makes the overall cost of the policy cheaper. In the best-case scenarios, you could save as much as $50 in service fees on your policy by paying for the entire thing up front. That takes a $350 policy down to $300. When paying the entire policy, you actually don’t have to come up with your monthly payment multiplied by the number of months on the policy. It’ll be less than that.
Paying for yearly insurance can be a hassle when you wish to change automotive insurers. However, if you cancel your policy before the due date, you’ll actually receive money back. Once you get that “extra” money, you can apply it to your new insurance policy. It’s like receiving a windfall when you need it most, or like getting an instant discount on your next automotive insurance policy.
Insurance lapses are more common with monthly payment plans that with a premium that’s paid entirely up front. This is because many people forget to make the payment especially if they’re manually writing the checks. It could also happen if the individual is set up for automatic drafts, doesn’t have the money and isn’t signed up for overdraft protection. If you miss a monthly payment on your automobile insurance policy, the policy is automatically cancelled. Once the policy is cancelled, it has to be reinstated just like a new insurance policy.
The first car insurance policy I got on my own as an “adult” after I graduated college was through a local agent in my hometown. He was, in stereotypical insurance salesperson fashion, loud, obnoxious, and completely overbearing. Before I wised-up, he cajoled, intimidated, and ruthlessly steered me towards years of unnecessary coverage and policy upgrades. Obviously, the internet and online insurance shopping has eliminated many of the issues that I faced as a younger driver, but buying insurance online is still a challenge for the unprepared.
If you are like most people, you probably know more about fictional caveman and CGI rendered lizards than you do about the actual company that they represent. While most policies and companies may seem homogeneous, there are actual differences beyond the nature of their marketing campaigns. A great jingle or clever mascot is going to be little consolation in the event of an accident if the nearest agent is located hundreds of miles from your house.
Additionally, many insurance companies offer discounts for a number of reasons, including occupation, current military status, and for having a home insurance policy with the same company. While most companies are going to use a similar software algorithm to determine baselines insurance rates, it is the hidden costs, and benefits, that often make all of the difference.
While it is obvious to most people that the amount of coverage in a particular policy affects the overall monthly cost of the policy, it may not be as obvious when it comes to evaluating the things about them personally that impact the overall cost. Both driving record and personal credit score have a direct impact on the total monthly rate.
One of the most common deceptive, yet totally legal, practices that companies engage in when providing an online quote is that during the initial stages of the application process they will provide consumers with a generic quote that doesn’t include their personal driving information or credit score. Once the consumer signs off on a particular company and becomes invested in the application process, pow! The actual, individually calibrated rate is revealed.
One of the biggest advantages of shopping for car insurance online is that it is easy to examine quotes from several different companies at the same time and make a decision based on a real-time comparison. However, not all insurance policies are created equal.
Discrepancies in coverage amount and type can lead to a comparison that is not as accurate as the raw data may imply. Whether it is a result of the data being entered into the quote generator or simply a flaw in the software itself, this type of issue can make it difficult to accurately compare providers.
The best thing about technology is that now, everything happens instantly, with virtually no hassle. In the dark ages of pre-internet insurance shopping, understanding how minor shifts in coverage amount affected the overall cost of the policy involved an extremely grumpy agent. With the ability to instantly update policy details and costs it is possible to quickly decide exactly how much a specific reduction in coverage amount is worth relative to the bottom line.

industry_corpus2: Automobiles


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In a move to further enhance its Arpu (average revenue per user), Vodafone Idea (VIL) has decided to substantially increase the cost of acquiring new SIM connections. The increased cost will now be made uniform across all the 22 circles, the company management told analysts a day after it posted a wider net loss at Rs 5,005 crore during the October-December quarter.
Earlier the cost of acquiring a new connection was paltry and varied across circles. Now, a customer will have to spend Rs 76 in acquiring a connection plus paying a minimum recharge of Rs 35 for 28 days validity. This means an upfront payment of Rs 111. As reported earlier, only those customers will remain on the network who make a monthly recharge of Rs 35.
Both VIL and Bharti Airtel in November had decided to discontinue with the recharge plans lower than Rs 35. As a result, in the recently declared October-December quarter earnings, both companies have shown improvement in their Arpu numbers.
VIL said on Wednesday that headline tariffs remained stable during the third quarter with customers moving to lower bundled offers and Arpu increased 1.5% to Rs 89 compared to Rs 88 in the preceding quarter. Like Bharti, VIL also removed the low-paying, mostly incoming users, some 35 million who recharged for less than Rs 35 a month. This reduced Vodafone Idea s total subscriber base to 387.2 million versus 422.3 million in the previous quarter.
A similar move by Bharti saw its customer base reduce by a higher number of 48 million users during the quarter, bringing its total subscriber base down to 284 million from 332 million earlier. VIL management told analysts on a conference call on Thursday, that the move to have a common acquisition plan across its 22 sectors at Rs 76 would basically mean that existing customers get a better deal than the new customer.
Vodafone Idea CEO Balesh Sharma said that if a new customer wants to get a similar deal, they must then therefore buy a SIM card at a price point of Rs 76, which will create better loyalty with the existing base and stop the low-quality acquisitions and therefore higher churn. He added that this model will bring in better base management and also a better management from the cost of acquisition. During the quarter we will align therefore our postpaid and prepaid plans across the offerings by both the brands, he said.
Highlighting the reason and impact of removing lower value recharges, Sharma said this was done to incentivise the subscribers to opt for high annuity charges. So, there s a levering and therefore we can take the customers up from 35 to 65 to 95 and ultimately to unlimited unit vouchers of various denomination, he told analysts.
According to analysts some signs of improvement have started to become visible, though the stretched balance sheet remains a concern. Analysts at UBS said, Customer engagement continues to improve with MoU increasing from 568mins/mnth in Q2 to 580mins/ mnth in Q3 .
Analysts at Goldman Sachs Equity Research wrote that Ebitda, though up 15% q-o-q, came in below their estimates, with the miss driven by lower synergies, especially in network costs. However, the biggest concern for Voda Idea, in our view, remains its stretched balance sheet; the company had a net-debt-to-EBITDA of 25x as of 3QFY19, analysts observed. Ebitda is for 9MFY19 annualised.
Analysts at BNP Paribas noted, VIL has seen revenue increase month-on-month in December 2018 as and January 2019 which we believe could result in revenue growth returning in 4QFY19. On the other hand, costs are likely to fall further as the company moves from Rs 3,000 crore annualised synergy benefit in 3QFY19 to its Rs 8,400 crore target by FY21. Integration has been completed in eight circles without any adverse impact on customer experience .
Results should allay some of the investor concerns, said analysts at Deutsche Bank Research, though highlighting that capex for 3Q19 at Rs 1,170 crore is a third of Bharti s India mobile capex at Rs 3,730 crore. VIL indicated increase in capex for 4Q19E as many contracts were finalised during 3Q19. We estimate VI s FY19E capex at about $2 billion compared to nine month FY19 proforma capex at $1 billion.


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This report analyzes and forecasts the market for automotive air deflector at the global and regional level. The market has been forecast based on revenue (US$ Mn) and volume (Mn Units) from 2018 to 2026. The study includes drivers and restraints of the global air deflector market for automotive. It also covers the impact of these drivers and restraints on the demand for air deflector during the forecast period. The report also highlights opportunities in the air deflector market for automotive at the global and regional level.
The report comprises a detailed value chain analysis, which provides a comprehensive view of the global air deflector market for automotive. The Porter’s Five Forces model for the air deflector market for automotive has also been included to help understand the competitive landscape in the market. The study encompasses market attractiveness analysis, wherein product is benchmarked based on their market size, growth rate, and general attractiveness.
The study provides a decisive view of the global air deflector market for automotive by segmenting it in terms of material type, mounting method type, manufacturing process type, position, sales channel, vehicle, and region. These segments have been analyzed based on present and future trends. Regional segmentation includes the current and forecast demand for air deflector in North America, Europe, Asia Pacific, Latin America, and Middle East & Africa. The report also covers demand for individual segments in all regions.
The study includes profiles of major companies operating in the global air deflector market for automotive. Market players have been profiled in terms of attributes such as company overview, financial overview, business strategies, recent developments, executive bios, and manufacturing footprint. The market for air deflector is primarily driven by the enriched look of the vehicle with air deflectors and its ability to allow the fresh air to enter inside the vehicle by keeping the window slightly open.
The report provides the estimated market size of air deflector for 2017 and forecast for the next nine years. The global market size of air deflector has been provided in terms of revenue and volume. Market numbers have been estimated based on material, mounting method, manufacturing process, position, sales channel, vehicle, and regional segments of automotive air deflector. Market size and forecast for each material, mounting method, manufacturing process, position, sales channel, and vehicle have been provided in terms of global and regional/country markets.
Secondary research sources that are typically referred to include, but are not limited to company websites, annual reports, financial reports, broker reports, investor presentations, and SEC filings, internal and external proprietary databases, and relevant patent and regulatory databases, national government documents, statistical databases, and market reports, news articles, press releases, and webcasts specific to companies operating in the market, National government documents, statistical databases, and market reports, American Automobile Association, European Automobile Manufacturers Association, Automotive Research Association of India, Organisation Internationale des Constructeurs d\'Automobile (OICA), Factiva, etc.


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National Development is a diversified real estate development company that has been active throughout the Eastern United States for over 35 years. While its home office is located in Fort Myers, Florida, National has developed properties throughout Florida, Louisiana, Pennsylvania, and New York. The company is involved in a variety of real estate-related activities, including residential and commercial development, commercial construction, commercial brokerage, and property management. With this diverse array of real estate-related expertise, National Development also provides development, construction and management services to third-party owners and clients.
National Development began its development and construction company on the west coast of Florida in the early 1970s. Its activities expanded during the years and the firm sought development opportunities in growth areas throughout Florida. The company ultimately developed properties in Fort Myers, Jacksonville, Orlando, Bradenton, Sarasota, Bonita Springs, and Naples.