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Insuring your home against financial catastrophe can involve a number of high-stakes decisions. From which carrier to use to how large a deductible to choose, the insurance industry has become endlessly complicated. Volcanic eruptions, riots and falling planes? Your standard policy definitely covers those unlikely events. Pit bull bites, sinkholes and mold infestations? Perhaps, perhaps not. Flooding? Definitely not.
Here you will find an overview of what homeowners insurance protects and what it doesn’t, and how you can make informed decisions about buying coverage.
What Type of Homeowners Insurance Should You Get?
If you have a mortgage, homeowners insurance isn’t just extra security and protection — it’s required. Find out the average cost of home insurance in your state by using the below map.
Source: National Association of Insurance Commissioners (NAIC).
is injured on your property.
The most popular insurance is an “all risk” policy, although people with newly constructed homes may qualify for comprehensive coverage. Whether you live in a mobile home, condo, single family home, or rent an apartment, you can find a policy to protect your home and/or property.
A bare-bones policy that doesn’t include liability coverage. It’s no longer available in most states, according to the Insurance Information Institute.
Also called a “broad form” policy. The coverage protects your home from 16 different types of perils (see above list).
A “special form” policy that covers the attached structures of your home as well as detached structures like a garage, cottage and fence. It also includes personal liability coverage. The name “All Risk” Policy is misleading as the policy doesn’t cover all risks. It does cover the aforementioned 16 perils and everything except the named exclusions in the policy, which include war, power failure, flood, vermin and nuclear disaster, among others.
This is an insurance policy for renters. It covers your personal belongings, though not the structure of the property you rent.
A “comprehensive form” policy that covers the structure of your home and offers broader coverage for personal property. You’re protected from the same perils as an HO-3 but don’t have to prove your belongings were damaged by a peril named in the policy. This form of coverage is usually for new or recently constructed homes.
A policy for condo and co-op owners that works similar to HO-2 coverage. It covers the structural parts of the building you own, plus your personal belongings.
This coverage is like an HO-2 policy, but it protects mobile homes.
A policy that typically covers the replacement cost — minus depreciation — of damage to an older home.
Homeowners insurance is complicated, and rate quotes hinge on numerous variables. Check out our guide on comparing homeowners insurance quotes.
Homeowners and renters insurance policies almost never cover floods, hurricanes, earthquakes and other natural hazards. Learn how to protect yourself from Mother Nature’s worst.
You can’t control the wrath of nature, but you can prepare for the worst. Here are steps to take to get ready for an emergency, and what to do if disaster strikes.
Homeowners coverage varies based on the type of policy you buy and where you live. The most bare-bones insurance policy is known as “dwelling fire,” also known as HO-1 coverage, and it insures against hazards that include fire, smoke, lightning and explosions.
No homeowners policy covers flood damage if it’s caused by rising water. That peril is covered through a separate flood insurance policy from the federal government.
You need a separate federal flood insurance policy.
This risk is covered by separate earthquake insurance.
If you live in Hurricane Alley, you might need a policy from your state’s windstorm plan.
Many carriers have begun to exclude mold damage from policies.
You might be able to buy a special rider for this peril.
Some insurers exclude such breeds as pit bulls, Akitas and Rottweilers.
You might be able to buy a special rider for this hazard, too.
Say FedEx delivers work-related package to your house, and the driver slips and falls. Your policy doesn’t cover liability.
If your roof is simply old rather than damaged, you pay for the repair.
Does Your Location Affect Your Coverage?
Yes, where you live affects your coverage and policy costs. If you live in California, earthquake coverage isn’t part of your standard policy. You’ll need separate coverage, which usually carries a high deductible. And if you live in Florida or another hurricane-prone state, you might need separate windstorm insurance.
Some of the language in your policy might seem ridiculously specific, but there’s a reason for the hairsplitting. “Civil unrest” is covered in standard policies, but “war” isn’t. And the extensive damage left by Hurricane Katrina led to many lawsuits over whether water damage was technically caused by a flood or a windstorm.
For most homeowners, the high-value part of the policy applies to the structure of your home. If an insured hazard hits your humble abode, your coverage will pay to fix or rebuild your house. Insurers typically cover not just your living quarters but also garages, fences, tool sheds and gazebos. In addition, insurance policies generally pay to replace personal belongings if they’re stolen or damaged in a fire, hurricane or other covered disaster.
Be sure to review your dwelling coverage occasionally because capital improvements and inflation can affect your home’s cost of replacement. Due to the so-called 80 percent rule, if your coverage limits fall below 80 percent of the full replacement cost of your home, your insurance company may reduce the amount it pays on a claim.
In a typical policy with $200,000 in coverage for the dwelling, the insurer would cover up to $100,000 to replace furniture, electronics and other personal items. Pricey items such as jewelry, furs and silverware typically are covered, but many insurers impose dollar limits if they’re stolen. If you have an extensive jewelry collection, though, you might consider paying for an endorsement, which specifies coverage under certain special circumstances or for itemized valuables.
Homeowners policies also include liability protection, which pays for legal costs and any court awards in the event of a lawsuit against the homeowner. Typically, this coverage is limited to $100,000. Finally, your policy might pay for your living costs if your home is rendered uninhabitable.
Pays to replace home and possessions minus a deduction for depreciation — so don’t expect to get $2,000 for that ancient laptop.
The most generous coverage that pays to rebuild your home no matter the cost, useful if you’re the victim of a disaster that causes a spike in the costs of labor and construction materials.
If you’ve lived in your house for years, creating an inventory might seem tedious. Start with your most recent purchases and then work backward to your older possessions. It’s better to have an incomplete list than no list at all.
Source: Adapted from the Insurance Information Institute.
Don’t feel like cataloging every article of clothing, book and knickknack in your home? Jack Hungelmann, author of Insurance for Dummies, suggests tallying the value of furniture, TVs and other major items, then doubling it. That should approximate the value of all your stuff.
The average user is able to develop “a complete picture inventory of a property and generate detailed reports” in about an hour or less by using this app, according to its iTunes Store description.
This app gives you the ability to quickly produce a complete estimate of your belongings. The free version has a 25-item limit, while the $4.99 version unlocks all of the app’s available features.
Doubling as an organizer and home inventory resource, MyStuff2 allows you to keep track of your personal possessions. The “Lite” version is free; the main version of the app is $4.99 and the “Pro” version is $8.99.
This app is described as the “perfect companion for your move.” It helps with creating a visual inventory of your belongings through photos, videos, tags and other features. The basic version is free and it’s $4.99 for the “Plus” version which has additional features.
Stuffanizer is a visual inventory app that allows users to set custom locations, create tags and take photos to keep track of their stuff — for $2.99.
One of the most important variables determining how much you’ll pay for coverage. Hurricane Alley and Tornado Alley are the most expensive places to insure a home — Florida, Louisiana, Texas and Oklahoma top the list of priciest markets. Idaho, Oregon and Utah are the cheapest states to buy homeowners coverage.
If your Florida abode is a wood-frame house with jalousie windows, you’ll pay more. If it’s a concrete-block structure with impact-resistant windows, you’ll pay less. Insurers use a catastrophe model to determine prices. Rate regulation is the duty of insurance commissioners in each state.
If State Farm, Allstate, Nationwide and other carriers are competing for customers in your area, rates are likely to fall. This is known as a soft market. In the opposite case, a hard market, rates tend to rise.
How much insurers pay for this form of reinsurance can affect rates. Catastrophe reinsurance indemnifies the insurer for losses in excess of a stipulated sum arising from a single catastrophic event or series of events.
What Kind of Discounts Might You Expect?
Bundling your home insurance with your car insurance (buying it from the same insurance carrier). These are known as multi-line discounts.
Having dead-bolts and/or a home security system.
Bringing your old wiring up to code.
What happens if you’re the victim of a burglary, fire or other insured claim? First, your policy requires you to mitigate the damage as soon as possible. So, for instance, if you have a water leak, turn off the water and immediately call a company that handles water damage. Next, contact your insurance company to report the damage. When you reach your company’s adjuster, be sure to get his name and cell phone number, along with your claim number. In most cases, your carrier will come through with a check to cover your claim, up to the limits of your policy.
Whether you store it in the cloud or in a filing cabinet, your policy spells out what your insurer owes you in case of a loss.
If you have a large collection of jewelry or art, buy an endorsement to insure it.
Say you have a $1,000 deductible and your $500 bike is stolen from your garage. In that case, you’d be wise to keep your insurer out of the matter.
Hit by a storm or significant water damage, it makes sense to file a claim. However, you may want to skip a small, non-weather claim, lest your insurer drop you when your policy comes up for renewal.
Insurers handle each type of claim a bit differently. In case of a burglary, you’ll need to provide a police report and an inventory of the items taken. In the event of a fire or weather-related claim that damages the structure of your house, you’ll need to hire a contractor, and your insurer ultimately will reimburse you for your costs.
Source: National Association of Insurance Commissioners. Cost adjusted to 2014 dollars.
Do I Need a Public Insurance Adjuster?
The typical insurance claim goes relatively smoothly, and the carrier pays up as promised. But in some cases, an insurer simply refuses to pay what you think you’re owed. If you’re faced with an unreasonable settlement offer, it might make sense to hire a public adjuster. Unlike an adjuster who’s employed by your insurance company, a public adjuster works for you and is paid by you.
Public adjusters say they know policies and insurers’ processes, and they can persuade insurers to pay up when you can’t. You’ll pay your public adjuster a percentage of the settlement he negotiates on your behalf. Public adjusters stress that they’re not insurance agents nor paid by carriers, which puts them firmly on the side of policyholders. The National Association of Public Insurance Adjusters offers a listing of its members.
Sources: National Association of Insurance Commissioners, based on average annual premiums for 2013; Insurance Information Institute.
If you own a car, you’re familiar with the difference between insurance and a warranty. If your car is stolen or damaged in a crash or natural disaster, that’s a matter for your insurance policy. If your transmission blows out, you’ll turn to your warranty for financial help. The concept is similar for real estate.
A home warranty is a service contract that helps offset expenses if the roof springs a leak or the air conditioning needs a repair. Home warranties are a type of insurance, but they’re designed to cushion the blow of the smaller costs of routine maintenance rather than some significant loss from a catastrophic event. Sellers often provide home warranties as a tool to market their homes. A lender will require you to have homeowners insurance but not a warranty.
An individual employed by an insurance company to evaluate losses and settle policyholder claims.
This computerized method of predicting claims combines long-term disaster trends with current demographics and building patterns. The result is a prediction of the potential cost of catastrophic losses for a given area.
Insurers typically can handle billions of dollars of losses, but to protect against major disasters such as Hurricane Andrew and Hurricane Katrina, they buy reinsurance that helps cover claims filed after large-scale catastrophes.
The amount of loss paid by the policyholder. It’s either a specific dollar amount or a percentage of the claim amount.
A cut-rate type of insurance policy that covers only the most basic risks.
This type of policy covers a structure and its contents but has a high deductible.
A written form attached to an insurance policy altering the policy’s coverage, terms or conditions.
A provision in an insurance policy disallowing coverage for certain risks.
Coverage for flood damage is available from the federal government under the National Flood Insurance Program. It is sold by licensed insurance agents.
A period when carriers are reluctant to sell coverage.
A numerical ranking based on a consumer’s credit history. Insurers say people with poor credit histories have proven more likely to file claims.
A specific risk or cause of loss covered by an insurance policy, such as fire or theft.
A person who negotiates with insurers on behalf of policyholders and receives a portion of a claims settlement.
The process by which states monitor insurance companies’ rate changes.
An environment of plentiful, low-cost coverage.
State-sponsored insurance pools sell hurricane coverage to people who can’t buy it in the voluntary market because of their high risk. Alabama, Florida, Louisiana, Mississippi, North Carolina, South Carolina and Texas offer these plans. Georgia and New York also have special windstorm pools for certain coastal communities.

industry_corpus2: Finance & Economics


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Galileat Culinary Adventures offer you a chance to experience Israel through the eyes and palate of a local. The company's culinary adventures allows visitors a hands-on chance to immerse themselves in the local culture. When you complete one of their cooking workshops, you will have learnt how to prepare something truly authentic from a seasonally changing menu of traditional dishes. Once you finish cooking, you'll sit down with your classmates and enjoy the feast. This form of culinary tourism isn't just about great food--it's a lesson you'll be able to take home and a chance to learn about a foreign culture through what it eats and how it cooks. Arrange your visit to Galileat Culinary Adventures and discover more family-friendly attractions in Karmiel using our Karmiel road trip website .
Every day, we help thousands of travelers plan great vacations. Here are some tips on how to use your Listing Page to attract more travelers to your business - Galileat Culinary Adventures.
Promote your permanent link - https://www.inspirock.com/israel/karmiel/galileat-culinary-adventures-a6169975483 - on your website, your blog, and social media. When a traveler builds a plan from this page, the itinerary automatically includes Galileat Culinary Adventures. This is a great way for travelers looking for a great vacation in your city or country to also experience Galileat Culinary Adventures. Promoting your link also lets your audience know that you are featured on a rapidly growing travel site. In addition, the more this page is used, the more we will promote Galileat Culinary Adventures to other Inspirock users.
For best results, use the customized Trip Planning Widget for Galileat Culinary Adventures on your website. It has all the advantages mentioned above, plus users to your site can conveniently access it directly on your site. Visitors to your site will appreciate you offering them help with planning their vacation. Setting this up takes just a few minutes - Click here for instructions.

industry_corpus2: Travel & Geography


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When cosmetics company Too Faced comes to mind, I typically think of sweetly-scented palettes, sparkly eye shadows, bright, bold lipsticks, and of course, chocolatey bronzers. It’s safe to say I’ve always associated the brand with its more colorful, playful products, but after co-founder and Chief Creative Officer Jerrod Blandino gave us a sneak peek at some newness, the only thing on my mind is when the Too Faced’s Hangover skincare line drops, because it looks especially promising. The original Hangover launches are some of my faves, and IMHO, they’re fairly underrated, so I’m excited to see Too Faced’s skin-focused product line expanding, and finally getting the love it deserves.
Obviously, in addition to their more "fun" products, Too Faced knows a thing or two about complexion. The Born This Way Foundation ($39, toofaced.com) as well as the newer Born This Way Super Coverage Concealer ($29, toofaced.com) are fan favorites amongst Youtube and Instagram gurusv alike, but if you ask me, I prefer their more invisible skin products over these full-coverage favorites. Their Hangover Primer ($34, toofaced.com) is a staple I’m happy to repurchase again and again, so when Blandino dropped the news that there would be more Hangover goodness coming soon, I was over the moon.
Over on his Instagram Stories, Blandino provided a bit of backstory. "So anybody who knows me knows that I absolutely am obsessed with skincare. I take very good care of my skin," he says, from inside a hyperbaric chamber. "It’s not about being anti-aging, it’s about preserving what you’ve got, being the best version of yourself, and living a really healthy lifestyle with incredible ingredients that will help supportn your skin, and make you look and feel your best."
And with that, he serves us the real tea. "For the last couple of years, I’ve been working on and developing Too Faced skincare. It’s gonna be launched under the Hangover line, and I’m going to be starting with something I’m absolutely osbessed with, my new SPF Moisturizer," he shares. "It’s based on a moisturizer I’ve been using for nine years that I would get from a different country and it was becoming very hard to get." Apparently, Blandino always wished he could make tweaks to his fave to improve it even more, so while formulating the Too Faced version, he did exactly that and made sure it was juuust right.
"I really took about two and a half years to develop what I believe is the absolute best daytime moisturizer you’re ever going to use," Blandino shared on his Instagram Stories. "Super hydrating yet light, works perfectly under makeup, has SPF 27," he adds, although based on the image he posted to his Instagram feed, it appears the finalized version will have SPF 25.
As of now, the Hangover line consists of just the Hangover Primer ($34, toofaced.com) and the Hangover 3-in-1 Setting Spray ($32, toofaced.com), both of which I love and use often. The primer is my go-to for tired skin, and it hydrates and smoothes so that my makeup goes on in a way that looks better and brighter, not heavy and aging. I enjoy the setting spray as well, and got quite a bit of use out of it in the summertime, when the coconut water-infused mist was the ideal relief after the heat made a mess of my makeup.
I seriously can’t wait to bless my skin with this new moisturizer, and I’m curious to see what other products will be coming soon to expand the Hangover collection. As of right now, there’s no set date announced for when this baby will drop, so it’s safe to say I’ll be refreshing Jerrod Blandino’s Instagram page constantly and praying he spills more deets soon.

industry_corpus2: Biopharmaceuticals


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Home Celebrity Moms Aaron Carter & Girlfriend Lina Valentina Expecting First Child Together!
Aaron Carter & Girlfriend Lina Valentina Expecting First Child Together!
Aaron Carter is expecting his first child with girlfriend Lina Valentina, E! News reported on Tuesday (November 20) after the singer heavily implied it on Twitter.
“I’m in such an amazing place mentally, physically & emotionally. I finally bought my first home and I’m going to be proposing soon to my gf and we might just be expecting…” the 30-year-old “I Want Candy” pop singer wrote on Twitter.
Aaron also mentioned his late father in response to another comment. “I will always love my parents unconditionally no matter what. My daddy isn’t with us anymore but I know he’d be proud. I finally bought my first home with a woman I’m going to marry and we have a beautiful life ahead of us,” he tweeted.

industry_corpus2: Film & Entertainment


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A couple of weeks ago, the recording industry (i.e. Recording Industry Association of America) agreed not to pursue a law that would require new electronics to be equipped with DRM (the “Fritz chip”) and the computer industry (“Business Software Alliance, which has Microsoft, Apple Computer and Adobe among its members”) agreed not to pursue a law that would ensure consumers’ fair use rights (such as Rick Boucher’s bill).
This was an agreement between consortia of big corporations agreeing not to use their pet congressmen against one another.
No citizens were heard from.

industry_corpus2: Computing & Telecommunications


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The offspring of Psammocora nierstraszi are possible. Unfortunately, the number of offspring is not large enough to cover the demand of the trade. If you are interested in Psammocora nierstraszi, please ask your dealer for offspring. If you already own Psammocora nierstraszi, try breeding yourself. This will help to improve the availability of offspring in the trade and to conserve natural stocks.
Similar Species: Psammocora profundacella, which also has valleys but corallites are aligned along the valley floors and petaloid septa are not exsert. See also P. superficialis.

industry_corpus2: Agriculture & Fisheries


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At this moment I have a really tricky problem with the individual data of one of my surveys. As it is supposed, when I have already records in my surveys I can see them in the "Data" tab of my survey, and I can produce some pretty individual reports in Word. But this time, it does not want to work. Furthermore, when I want to produce some individual reports in Word, I only become 0 in each result.
But in this survey, it does not work!
Neither the report in Word.
Can you share the xls form of the survey and the docx template you are using? If need be, please e-mail them to jtedrick AT esri.com.


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ACE Supplies UK Ltd is a commercial privately owned business established in 1981. The primary activity of the company is the marketing and supply of a specialised components range to manufacturing industry. Components included in the range are principally designed for fastening and securing applications: they include injection moulded buckles and fittings and a range of narrow fabrics, hook and loop tapes, strap and fabric assemblies, bespoke injection mouldings and associated products.
ACE Supplies UK Ltd prides itself on supplying technically suitable products to meet customer specifications and requirements – in whatever quantities the customer requires. Our aim is always to maintain the highest standard of quality as well as exceptional levels of service.
The core product range is continually stocked with a UK standard next day delivery service to the customer. The company also delivers Worldwide. Additional stock is held to meet customer’s particular scheduled requirements, allowing customers to operate a just in time manufacturing process.
To achieve business goals an ISO9000 Quality Management System has been continuously in place since 1994. The system is continually reviewed and audited by BVQI. This provides a framework for the day to day activities of the company and allows us to continually measure performance against our quality objectives and to ensure that the requirements of this policy are met and that continual improvement is maintained. We are confident that the procedures we have in place allow us to exceed our customers’ expectations.
All employees of the company are committed to achieving the aims of this policy and to ensuring that our Quality Management System provides maximum effectiveness.

industry_corpus2: Manufacturing


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The Jewish Community Relations Council of New York (JCRC-NY) celebrated its 2019 Gala Dinner at The Pierre Hotel on Tuesday, April 9th, 2019 and presented NYS Attorney General Letitia James with its Public Service Award. JCRC-NY commended the Attorney General for her dedication to New York State, New York City, the community and civic affairs and for her passionate commitment to combatting hate crimes and anti-Semitism. JCRC-NY President Charles S. Temel received the JCRC-NY Leadership Award in recognition of his outstanding communal leadership and dedication to the well-being of the Jewish people.
The Gala was emceed by JCRC-NY Board Members Jennifer Falk and Marc Wolf. Also participating in the program were Ambassador Dani Dayan, Consul General of Israel in New York; Jeffrey Schoenfeld, UJA-Federation of NY President; JCRC-NY Past President Ronald Weiner, who presented the award to Mr. Temel after a touching tribute by his children, Erica, Laura and Dan Temel; Harlem’s John Catsimatidis, Chairman and CEO of the Red Apple Group, who presented the award to Attorney General Tisch; Richard Janvey, JCRC-NY Board Member, who recited the motzi; and Michael Miller, JCRC-NY Executive Vice President and CEO. Guests included Anne-Claire Legendre, Consul General of France in NY; NYS Comptroller Thomas P. DiNapoli, Former Mayor David Dinkins; NYC Comptroller Scott Stringer; Brooklyn District Attorney Eric Gonzalez, NYC Council Members Chaim Deutsch, Rafael Espinal, Vanessa Gibson, Ben Kallos, Andy King, Brad Lander, Francisco Moya, Helen Rosenthal, Paul Vallone, and Kalman Yeger; former NYS Senator Manfred Ohrenstein; and Rev. Jacques DeGraff.
The Jewish Community Relations Council of New York (JCRC-NY) serves as the central coordinating body and resource organization for the Jewish Community in the metropolitan New York area and as an advocate for a strong and secure State of Israel. An active force in New York civic and communal life, JCRC-NY protects and enhances the New York Jewish community and builds working relationships within the Jewish community, with other ethnic and faith communities, and with public officials and government agencies.
Photo credit: 1) Marc E. Wolf, Jennifer E. Falk, John Catsimatidis, General James, Charles Temel and Michael S. Miller. 2) NYS Attorney General Letitia James. 3) Charles S. Temel. 4) The 350 guests included former NYC Mayor David N., Dinkins. Gianna Bertoli of Michael Priest Photography.
This entry was posted in Harlem, Jewish Harlem, Jews and tagged David N. Dinkins, Jewish Community Relations Council of New York, John Catsimatidis by Harlem World Magazine. Bookmark the permalink.

industry_corpus2: Politics & Administration


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Middleburg is one of our favorite places to spend time. Historic homes surrounded by picturesque landscapes, horse farms and polo fields, a quaint town filled with antique shops, fine dining and our favorite spot to spoil the dogs (Wylie Wagg). Of course, we can’t visit Middleburg without a stop at one of our favorite local wineries, Greenhill Winery & Vineyards. Greenhill is not only producing some fabulous wines, but a visit to their charming tasting room and beautiful grounds is a chance to “Experience the Authentic” in Virginia.
A reoccurring theme that we hear from so many in the Virginia wine industry is that it all began with “falling in love with Virginia wine country.” The story of Greenhilll Winery & Vineyards is no different. Owner David Greenhill frequently visited the many boutique wineries of Northern Virginia and the Blue Ridge Mountains, returning time and time again for the views, the history, the passion, the connection to the people and the land, and the elegant, sophisticated, yet still simple lifestyle wine country offers. When Swedenburg Estate Vineyard in Middleburg, Virginia became available for purchase David eagerly capitalized on this unique opportunity. He purchased the 128 acre property in May of 2013 and established what is now known as Greenhill Winery & Vineyards.
Originally from North Carolina, David attended the United States Air Force academy and earned a bachelor’s degree in economics from UNC. He also holds a masters degree in Philosophy and Theology from Yale University. An entrepreneur, David is successful in both the wine industry and the private sector as a partner in a satellite communications company.
A native of Burgundy, France, Sébastien has had a long career and extensive experience in winemaking from all over the world. He earned his bachelor’s degree from the world renowned Lycée Viti-oenologie de Beaune and over time has developed his skill set to produce quality wines from a variety of terroirs and regions including Sonoma, Napa Valley, Burgundy and Virginia amongst others. Marquet takes a very hands-on approach to winemaking involving himself in every aspect of production.
Located in the heart of horse and hound country, the Middleburg AVA is known for its fertile soil comprised of gneiss and granite and is among the best for grape growing in Northern Virginia. Greenhill has 20 acres of vines planted on their estate vineyard and owns and farms 16 acres on a secondary vineyard in Amherst County, Naked Valley Vineyards. Planted on their properties are Chardonnay, Pinot Noir, Cabernet Sauvignon, Cabernet Franc, Petit Verdot and Merlot, along with Riesling and Seyval Blanc. Many vines have been planted in recent years to keep up with demand and bring new varietals to Greenhill’s portfolio, including the addition of Viognier and Petit Syrah. The estate vineyard has an optimal elevation for grape growing at 450 ft. That elevation, combined with the natural rolling hills of the Middleburg countryside, provides frost protection and optimal drainage necessary to protect the roots; resulting in high quality grape production.
Greenhill’s wines are crafted to reflect the true elements of the natural terroir— the climate, nature, weather and soil of the season. Each vintage is individually different, an expression of the year and the factors that make it unique— cold temperatures, amount of rain, sunlight exposure, etc. While differences exist year after year, each wine is crafted with the goal of maintaining consistency of presentation expected from the wine. Winemaker Marquet has utilized his wide range of knowledge and experience of winemaking from terroirs worldwide and refined his approach to quality and consistency, ensuring that each vintage is both an expression of the wine growing season and true to the traditional flavors of the grape.
The original tasting room is simple, yet elegant–a perfect representation of Middleburg and classic Virginia history. Although somewhat small, the tasting room feels open and airy and is filled with natural light. The staff does a fabulous job of accommodating tasting parties of all kinds. Greenhill offers seated as well as classic bar tastings. Tastings are also made available on the gorgeous patio which boasts a great view of the Blue Ridge Mountains and surrounding grounds. Currently, an addition and soon to be new tasting room and event space is under construction, which will have similar views and provide ample seating and space for wine enthusiasts to enjoy.
Also located on the property is a second and exclusive tasting room for wine club members in the historic manor house dating back to 1762. Separated from the hustle and bustle of the tasting room, this space is perfect for an intimate gathering and offers a tranquil and serene setting for an afternoon picnic or private tasting overlooking the horse farm and pond on property.
Club members are entitled to complimentary tastings, access to the clubhouse and release parties, discounts on private events and 15% off of wine purchases.
Greenhill offers a great mix of award-winning whites, reds and (our favorite) a super delicious sparkling Blanc de Blancs and Bordeaux-style blends. In addition to the classic wine tasting experience, guests can also enjoy a wine pairing with exotic chocolate truffles, a barrel tasting, wine dinners, vineyard tours, “vineyasa” yoga and more!
For those who may have heard the rumors, yes it’s true, Greenhill’s Blanc de Blancs was featured in the Oscar’s swag bag this past year!
Two of their latest releases that we were able to sample include the 2014 Mythology and 2015 Viognier.
2014 Mythology: The newly released 2014 Greenhill Mythology is a right-bank style Bordeaux blend consisting of 52% Merlot, 26% Cabernet Franc and 22% Petit Verdot. Barrel aged in French oak, this wine is big, bold, chewy and earthy. Fruit forward (love the Petit Verdot!) with a rich, plummy essence on the nose and palate.
Where would we drink it? In a perfect world, we’d rock some blanket scarves and frolic through the vineyard on a chilly, foggy November afternoon with a glass of this in hand.
Recommended food pairing? This wine can certainly be enjoyed alone, but would pair well with a hearty beef stew, filet mignon or game dishes.
2015 Viognier: The official state grape can take on many different forms, and this one is top-notch. While some Viogniers can present with an overly floral nose, Greenhill’s Viognier expresses floral aromas balanced with hints of vanilla and crème brûlée. On the palate, stone fruit is prominent finishing with with round notes of honey and baking spices; the perfect combination.
Where would we drink it? This is our afternoon wine— a great substitute for tea, or paired with brunch. Spending your afternoon at the Salamander? This Viognier would go perfectly with a mani/pedi!
Recommended food pairing? This wine would pair well with a light dish— any seafood really, but we’d go with our favorite, crab cakes.
Greenhill is the perfect place to enjoy a true taste of Virginia. The tasting room is open until sunset, so make sure you pay them a visit to try some of their award winning wines and relax in the countryside. You’ll be in great company (check out the letter from #FLOTUS hanging in the tasting room!).


text: Ultra private and romantic. Yet highly versatile. With 47 villas, this turtle-shaped island (Velaa means ‘turtle’) offers the impeccable water-and-wellness activities expected of the Maldives. But with the feeling guests have the island all to themselves. Villas come with private pools and outdoor living spaces. Dining features fresh, local ingredients. And ‘polite luxury’ reveals at every turn – paving stones that don’t absorb the heat, imported from Jordan; wood panels sourced in Borneo.


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Make a Plan : Take steps now to prevent damage to your home in a disaster.
Once you know what disasters could happen in your community, there are things you can do to lower your risk of injury or property damage. Here are some suggestions.
Tornado - Add a tornado safe room to your home, or add extra protection to an existing room to keep your family safe in a tornado. Look for FEMA publication 320 for more information.
Hurricane - Install hurricane shutters. Keep trees around your house trimmed to prevent damage from falling branches. Secure your soffits to make sure that they won’t provide a way for wind and water to get into your home. Make sure entryway doors have three hinges and a deadbolt lock.
Wildfire - Use fire-resistant building materials like shingles and siding. Cut back branches and brush within 30 feet of your home. Keep firewood at least 30 feet away. Check into the National Fire Protection Association’s Firewise program for more ideas.
Flood - Elevate your home above the base flood level or take steps to floodproof. Elevate your utilities above the base flood level. Make sure you have adequate flood venting. Use flood-resistant building materials when you build or remodel. Taking steps like these can lower your flood insurance rates.
Earthquake - Secure your furniture, appliances, and water heater to walls and floors. Install safety catches on cabinets and cupboard doors. Make sure your appliances are connected with flexible connections. Consider using a safety film on your windows or installing laminated glass to prevent injuries from broken glass.
Plan what to do if you have to evacuate.
Learn what disasters can happen in your area and decide what you will do in a disaster.
Take steps now to prevent damage to your home in a disaster.

industry_corpus2: Real Estate & Construction


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When you visit the Google PlayStore for Law and legal Apps, you will surely find a wide variety of of them. There are also the very good apps for lawyers and students out there, the best ones you can use for your legal research, case management, trial preparation and billing, whether you're a professional or student in the faculty of law.
Although PlayStore has a very good number of these Legal and Law Apps, we had to take some time to dig out some of the best you can try out.
Note however, some are free and others are paid or offer in-app purchases.
Sometimes, Google PlayStore just repackages freely available content such as codes and statutes and we tried to put them in the list probably because they somehow provide some sort of added value, like the ability to annotate.
Free, but requires an AgileLaw account. Install this app on your iPad, hand the iPad to the deponent, and navigate through the deposition without ever using a printed exhibit again.
Free, but requires current paid Bloomberg subscription Follow news, litigation, and market information related to clients and prospects. Receive alerts for legal and news searches. Ability to share documents via email.
Costs about $1.99. Much like a Calendar app designed for lawyers. Links case files to calendar pages. Search by case number, client name, or date. Ability export and import data.
Free version contains Federal Rules of Civil Procedure, Evidence, Appellate Procedure, Criminal Procedure, Bankruptcy Procedure, U.S. Constitution. Option to purchase state codes, U.S. Code, U.S. Supreme Court opinions, CFR, Manual of Patent Examining Procedure, 2010 & 2011 Federal Register. Ability to search by keyword, bookmark, and share content. DroidLaw also has several add-on programs available in the app store.
$19.99. A kind of a Case management app. Allows addition and updating of clients and events. Ability to add attachments to client records. Supports dictation and speech to text. Export and import via CSV files.
$9.99, Time tracking software allows for multiple running timers. Time entries by client with subcategories of projects and tasks. Set billing rates, use time rounding, track expenses, and create reports. Optional modules for invoicing, Quickbooks exports, and wireless sync.
Free, but requires paid TrialWorks Case Management Software Provides access to notes, docket, contacts, and documents that are stored in TrialWorks Case Management Software. Ability to review matter chronology and court dates and add new matters.
Free, Covers current legal news, CLE program information, legal resources, forms, and employment opportunities.
Full text of federal rules of procedure and local rules for each federal court. Access to PACER and addresses of all federal courts.
That's that about Legal and Law apps for Lawyers or every other person interested in them. Good news here is some of these Legal Apps are also available on iOS, all you've to do is go to iTunes Store, search using their names and install.

industry_corpus2: Law & Justice


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Complete decorative home fly control system. Research-proven, portable and sanitary flying insect-attracting UV light device which looks like it’s a decorative wall lamp. Each unit is equipped with an exclusive auto advancing 30 day replacement cartridge trapping system. Reflective top shell is specially engineered with a front UV light baffle. Highly effective combination of special UV light, attractants and trapping surface trapping system is environmentally friendly Unique cartridge placement - directly under bulb ultraviolet Lamp Booster Reflector Easy to maintain, easy to clean Can also be used for light commercial use. Unit includes an audible alert when cartridge needs replacing.
The Fly Patrol uses ultraviolet light, special fly attractants and a patented 30 day auto advance replaceable cartridge.


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Let your wife feel like the luckiest woman alive with flower gifts from New Jersey Blooms. Choose from our exquisite collection of elegant roses, pristine tulips, exotic lilies and more. You can also add her favorite gourmet goodies and spirits to make your gift even more special. With gifts this thoughtful, we are sure she's going to feel loved and appreciated for days to come!
Birthday Flower Gifts For Your Wife: Your spouse is one of the most important people in your life. By your side at all times, making the bad times good and the good times great. Show them how much you love them with one of New Jersey Blooms’ Birthday flower gifts for your wife.
Anniversary Flower Gifts For Your Wife: You and your wife have had quite the journey together and now it's time to celebrate your togetherness. Commemorate this milestone with your spouse with Anniversary flower gifts from New Jersey Blooms.
Just Because Flower Gifts For Your Wife: At times, you don't need a reason to pamper your wife and make her feel special. Choose from New Jersey Blooms' range of floral, gourmet and liquor gifts to surprise your woman and make her feel like the luckiest girl in the world!
Thinking of You Flower Gifts For Your Wife: We know that staying away from your wife can be hard. But we have gifts to cover you for the times you absolutely need to! Choose from our selection of floral, gourmet and liquor goodies to cheer up your main woman.

industry_corpus2: Others


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I'm a web consultant ready to help you soar. I specialize in full stack web design and development, and I can do anything from help designing a small personal site you're working on in Wix to creating a new site for your hot startup to even writing a custom-built web app from scratch, complete with backend hosting. So if you need that magic sauce, I'm just the one you need.
This site is designed to promote a client's vacation rental condo, located in the Cayman Islands. It links to each site listing her rental, and it even includes a calendar widget from one of the services she uses to advertise her rental.
It's a relatively simple site, with high focus on the content and the views. It features numerous photos of her condo, with a peaceful, relaxing design meant to evoke that feeling of going on vacation. When you look at that site, it makes you want to go there, with the calming backdrop of a rolling ocean combined with the simple, yet elegant feel of the image layout and framing.
Would you like your site to be featured here next?
This site does use Google Analytics for basic tracking (IP addresses anonymized), and a few third parties collect a few cookies their own, like GitHub and some of the creators of the widgets in the About page's widgets. If you don't consent to these, either stop using this site or just block them in some way, like with a firewall or with a blocker like Adblock Plus, uBlock Origin.
All content available on this site by Isiah Meadows is licensed under the Creative Commons Attribution 4.0 International License, and all source code is licensed under the ISC License, unless otherwise specified.
See here for the text of both of these licenses.


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IBM InfoSphere Information Analyzer, a component of Information Server evaluates data quality and structure within and across heterogeneous systems. It utilizes a reusable rules library and supports multi-level evaluations by rule record and pattern.
Work for IBM InfoSphere Information Analyzer?
Learning about IBM InfoSphere Information Analyzer?
The integration with the rest of the InfoSphere suite like IGC and Data Stage. Information analyzer moves the data quality responsibility closer to the data owners. It gives indviduals with not a lot of technical background the ability to take control of their data quality.
Not all the functionality has been ported to the thin client. The thick client is very bulky and cumbersome. It is not very intuitive.
IA's true diffrentiator is it's ties to the rest of the InfoSphere suite. If you are already a data stage quality stage customer this is a no brainer. If you are considering or own Information Governace Catalog it does not make sense to evaluate another product. Once your company has the technical accumen to support the back end or you go to a cloud implentation, you business will fine IA invaluable.
"Information Analyzer Critical Business Tool"
I healthcare understanding the quality, content and structure of data is so important. We choose to leverage Information Analyzer as it helps with those critical business decisions. I love the fact that it utilizes reusable rules library.
We need to profile our data and understand the data we are receivein in from Payers within our payer claims process.
High accuracy in analysis of data in depth and produce usable reports. Support various kind of input data. Monitoring module works nicely for new incoming data. Generates configurable reports based on the data received.
There is no issues till the date. This is a complex but high data handling tool with accuracy tool.
This gives insights of realtime data. So nice tool.
Data analysis and reporting becomes easier with this.
"Awesome product to supplement Test data Management tool OPTIM"
Weuse this tiool explicitly to scan PII information from outr test data bases. Its pretty simple to use and easily trainable to our team menbers.
This tool not only scans, but also gives additional metrics information unlike Guardium.
IScan databases for confidential information.
The Security roles are confusing. Took a lot of digging into the roles to understand what access we were granting.
"Good tool for analyzing structured data"
Doesn't provide details needed for 'blind' databases.
* We monitor all IBM InfoSphere Information Analyzer reviews to prevent fraudulent reviews and keep review quality high. We do not post reviews by company employees or direct competitors. Validated reviews require the user to submit a screenshot of the product containing their user ID, in order to verify a user is an actual user of the product.
Hi there! Are you looking to implement a solution like IBM InfoSphere Information Analyzer?


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We’ve got the Christmas spirit here at the library and we are ready to Celebrate the Season! Join us at Aurora or Dillsboro to kick off the holiday season on Saturday, December 1, from 10:30 am – 1:30 pm, to make ornaments, listen to stories and enjoy refreshments. There will be plenty of holiday cheer to get you in the mood. No reservations are necessary—just bring your holiday spirit!
Aurora Public Library District is kicking off the holidays in late November with a fun make it-take it workshop at the Dillsboro Branch. Join us on Tuesday, November 27, from 4 pm – 6 pm for an afternoon of fun as we make a decorated gift jar of Christmas-themed soy wax melts. We’ll make mini wax melts in fun shapes and wonderful scents. While they are setting up, we will decorate a jar to hold the melts and make a gift tag. You’ll have one adorable gift checked off your gift-giving list by the end of the workshop! Space is limited, so reserve your spot today by calling the Dillsboro Branch Library at 812-954-4151.

industry_corpus2: Subject Education


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Secondary cuts of meat are my favourite and I love to use them in this dish. Remember, you’ll need to start this the day before so the beef has time to marinate overnight in that gorgeous red wine. You really do need to use a bold red wine for this recipe, it makes all the difference — just make sure you buy an extra bottle to drink with the meal!
Place the onion, carrot and celery in a large bowl with the garlic, thyme and bay leaves. Cut beef into large 4 cm (1.5 inch) cubes and add to the bowl with the aromatics. Pour over wine to submerge meat and vegetables, cover and refrigerate overnight.
Remove beef from marinate and season well with salt and pepper. Reserve marinade liquid — this will be your sauce!
Heat butter and half the oil in a large heavy-bottomed pot over medium-high heat. When the butter foams add the meat and sear on all sides for a minute or two, you may need to do this in batches. Set meat and any pan juices aside.
Heat remaining oil in the same pot, add the pearl onions and carrot and cook until golden and caramelised on the edges, 2 – 3 minutes. Add the spec and cook a further 3 minutes.
Return seared beef and juices to the pan, sprinkle over the flour and stir well. Strain wine from marinade into the pot and discard marinade vegetables.
Cover the surface of the liquid with a baking paper lid (watch how to make a cartouche in the video at 4:45), bring to the boil, reduce to a simmer and cook for 1.5 to 2 hours until beef is tender enough to pull apart with your fingers.
Spoon Beef Bourguignon into a dish, sprinkle with parsley and serve with fresh pasta, mashed potato or even a big wedge of crusty French bread.

industry_corpus2: Hospitality & Catering


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Staunton, September 9 – As a result of Moscow’s intervention in Ukraine, Russia faces three large sets of problems with the outside world, with Ukraine, and with itself that will take decades if not generations to overcome and limit its ability to develop as many of its citizens had hoped, according to Ivan Kurilla, a professor at Volgograd State University.
Not surprisingly, most people are focusing on immediate problems, the international relations specialist writes today, and as a result are paying less attention than they should to the longer-lasting consequences which “not only the current but the next ruler of Russia” will face (top.rbc.ru/politics/09/09/2014/947812.shtml?fb_action_ids=10154482223370018&fb_action_types=og.recommends).
The ceasefire in the Donbas, Kurilla says, “cannot resolve the problems which underlie the Ukrainian conflict.” That will take enormous time, “possibly decades or the lives of entire generations.” And to resolve them will require “not military victory but the slow work” of social and political change.
That in turn means, the Volgograd professor says, that the Russian government will face several tasks for a long time whether it likes it or not as the direct result of what the Kremlin has now done in Ukraine.
The first of these concerns relations with the outside world, “with international organizations, with Europe, the United States and even with China.” Over the last six months, he notes, “Russia has not simply fallen under economic sanctions but cost itself the great part of the diplomatic conquests of the last two decades and awoken a new wave of distrust” toward it.
Its rulers and people should “expect a strengthening of European security structures openly directed at restraining Russia.” The creation of a NATO rapid reaction force is only the first step in which the Western alliance is going to move.
In response, Moscow must seek to “save what remains of Russia’s international ties and retain at least the level of cooperation which now remains.” There is a lot that it has retained, “but the losses are large.” Then Moscow must seek a way of integrating Russia into these structures, something some in Europe are interested in.
The second group of issues involves Ukraine, Kurilla says. There are economic, political and trust issues that must be addressed even though there is now “mutual hatred.” Ukraine is not going to forgive or forget either the intervention or the territorial losses that it has been forced to yield, and no conceivable Russian government is going to give back Crimea.
And “the third circle of issues,” Kurillov argues, “the relations within Russian society and between the state and society” are “both the most complicated and the most immediate.” Russian propaganda has convinced a majority of Russians not only that fascists have seized power in Ukraine but that there is “a fifth column” within their own country.
“The search for enemies and the striving for unanimity is giving birth to archaic models in politics and culture and threatening the future of the country,” the Volgograd scholar says.
The weakening of this propaganda will help, but its impact and the appearance in Russia of heroes living and dead from the fighting in Ukraine – funerals for the latter are becoming heavily politicized -- and of refugees from Ukraine will continue to shape Russian attitudes well into the future, often in ways that threaten social and political stability.
The government, either the current one or its successor, is going to have to address this and introduce certain “corrections” in relations between itself and the population. “Sooner or later,” he says, [it] will have to restore conditions for civil dialogue and return to the role of arbiter” among groups rather than pursuing its own goals and demonizing its opponents.
The leadership that will come to power after the current one, Kurilla says, will be forced to eat the dish prepared by the current one in Ukraine. In doing so, it will suffer “a portion” of popular anger as it has to acknowledge mistakes and thus appears in the eyes of the population as a denigrator of the nation’s history.
But, Kurillov concludes, “this is the only path of restoring trust in the state, not only in international politics but and this is important from the citizens” of Russia itself.


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kidney related disease known as the silent killer. You can lose up to 90% of your kidney function before experiencing any symptoms.
Pancreatic insufficiency is the inability to properly digest food due to a lack of digestive enzymes. This can cause health issues such as diarrhoea, gas, bloating and stomach pain.
Electrolytes are chemicals that form ions in body fluids. They help make sure specific bodily functions run at optimal levels. Too few electrolytes will cause the body to cramp. As serious athletes know, cramping can make a big difference on race day.

industry_corpus2: Health & Medicine


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Pack of 8 1st Birthday Circus party cups.
These cute circus themed paper cups are a perfect match for our Fisher Price 1st Birthday Circus party pattern.
They are great on the party table or used as lolly cups instead of bags and hand them out at the end of your child's first birthday party.


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Excuse me for rambling. This may have something to do with the painkillers. I don’t usually take pills but a mashed ankle and a severely strained leg…I gave in to the ibuprofen.
The news looks bad. More unemployment misery, few jobs, double dip, creationism, President takes a vacation, stock market tanks, texting in church…etc. That’s the news.
Some people are telling me that the only way the USA is going to save itself is when the American people accept third world wages. The plan: the people will become so desperate they will work any job at any wage anywhere and the corporations will abandon India and China and return to America.
If this is true…and I suspect that it is, we are in for a long and desperate time.
There were journalists in helicopters filming black people lining up for a ‘Jobs Fair’ in Atlanta. Well presented, educated black people. The usual people who suffer when the economy slows. Apparently some employers don’t want to interview the unemployed. I have no idea why. Can someone tell me?
The images from the helicopter reminded me of the Hurricane Katrina footage. Desperate black people. Waiting in badly organized lines.
I’m not writing what’s been bugging me..apart from my aching foot.
I want to write about being gay, being a gay film maker/artist. I have not written enough about my recent brush with the ‘gay community’. I have been having the same multiple contractions of apprehension that I had years ago.
The same anxiety. The same question plagues me…even after years of therapy and insight.
Is this the same question as what kind of man am I? Is this a question I need answering? I just don’t know who my tribe is. The community that has sprung up around me on WordPress is as good as it gets. I like that you write to me. Some of you disapprove but you can’t get everybody to love you all the time.
Those of you who wanted the coyote to rip my throat out…well, it didn’t.
I called my friend Zach and I said, what kind of gay are you? By the time he replied I had lost interest.
I don’t want to know what sort of gay he is. I want to know who I am.
I tried to make gay films for a gay male audience…specifically, unapologetically. We need to see ourselves as we really are. We need to champion the language and locations of our lives as well as be critical of our bad choices, challenge our culture…reveal it, understand our politics..the differences as well as the similarities.
I loved making gay films, I loved travelling the world…meeting you in cinemas on every continent, in every major city. I like meeting you, eating with you, sleeping with you.
Recently, I have been tempted by the mass market.
I had a meeting with a well-known, important producer about my Surrogacy film. Even though he was moved by the story he said that the story would be much improved if I could somehow incorporate a straight man’s perspective. He thought a latino character would complicate the story.
He was part of the problem…not the solution.
His ‘take’ was woefully un-evolved. Shame based.
At first I was irritated then it nagged at me: the suggestion that a regular audience could only identify with us if we sympathised with them.
I have sympathised with straight characters in movies all my life. I have gone out of my way to understand their lives and loves. I have walked in their shoes.
I don’t think my producer friend is very interested in me. He wasn’t interested in the film or the rare books he came to see. I think he was interested in the twins. Why shouldn’t he be? It amuses me that he would have made so much effort to accommodate me when all he had to do was take Robby’s number.
Of course he has more to offer Robby than I ever could. Robby would be a fool not to capitalize on that friendship.
I felt the same way when ever Jay Jopling visited me. He would take what ever he felt he wanted..or was valuable from me. He took a beaver lined Edwardian driving coat, he took books by Aubrey Beardsley and Djuna Barnes and Dorothy Parker.
Korda Marshall borrowed and broke the rare and valuable Venini vase that The Duchess of Argyll had given me. Now he is rich I wrote to him asking him to replace it. He did not reply to my email.
Robby is very special, he has a quality that may not get him modeling jobs but…and I rarely say this, may make him a star.
I felt that about Tom Hardy. He used to be such a brat. I had a very ‘loud chat’ with Tom in Soho House, London years ago about his excessive drinking. He heeded my advice and gave up. Then, a year or so later, he thanked me for telling him the truth. A truth few dared to tell him.
In actuality I just repeated what Anthony Hopkins told me Lawrence Olivier had said to him about his drinking when he was a young actor at The National Theatre.
Pink (Alecia Moore) told me that the hardest thing she ever had to do was ditch her band. The label wanted her and not the band. They were her best friends. She had to tell them as if it were own choice.
We all abandon those who helped us at the beginning. We have to make hard decisions in life if we are going to get on. Leaving our best friends behind so that we might succeed. It is the secret story behind every Hollywood success. Those that got left behind.
So, after breakfast at Cecconi with the Brits in LA I am dog walking up Robertson in my cap and coat and a fine young man stops me and we make small talk about his dog and then we talk about mine and I am wondering at what point he will ask that question. The question that leads to another meeting-or worse..a hook up.
I am thinking to myself how I might politely turn him down. How falsely I will smile as I tell him how flattered I am and how hard I am going to kick myself when I walk away without giving him my number.
The truth is-I am falling in love and that may come as surprise to some of you because I have not been writing about it nor have I mentioned him particularly like that. I am falling in love with a swarthy New Yorker who makes my heart sing whenever I am with him. Yet, I fear, he can never be the man. The great dark man.
I can’t concentrate. I can’t make sense of my day when I know he is in NYC waiting for me. I tell him that I love him like a dog. I am not IN love because that is too soon. I love him like the little dog.
The problem with falling in love is falling out of love. For as suddenly as I love him I can also no longer love him and the train rolls on by.


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For a yearly staff event of the Belgian Institute selected the unique Unesco Heritage Meets the Flemish Masters presented by #admirebelgium.
The 200+ delegates got inspired by an interactive stroll on the trail of Rubens a Flemish Master and Baroque legend in the city of #Antwerp.
They started from the Royal atmosphere at Antwerp's central railway station discovering other Baroque gems and a fashion photo-shoot getting ‘the time, team and theme spirit'.
A well-deserved meal following the Flemish tradition concluded this historical day!
Looking for the ideal motivating experience.


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Seriously, she rocks. Absolutely hysterical and ruthless in both language and topics. No one was safe, whether asking Garuda about their safety record or joking that Emirates has so much money they deice with Dom. The part where Emirates apparently did have a couple bottles of Dom at their table probably didn’t help their case on that one. She was crass and vulgar, but it was also smart funny. She knows so much about the industry that she’s able to hit hard, but it isn’t particularly “wrong,” really.
There are a lot of players in the IFE space, and they’re all doing something a bit different and incredibly interesting. And it is pretty clear that none of them are going to dominate all the others. If you hear someone claim that BYOD or portable or overhead or in-seat systems are definitely the future or definitely dead then they’re probably wrong. We’re certainly not going to see things shift dramatically on that front in the near-term. That’s not to say that companies won’t be successful selling the various products. Bluebox, for example, has been tremendously successful with their tablet-based system, deploying with Hawaiian Airlines recently and announcing Garuda as a new customer during the show. But Rockwell Collins is also reporting an up-tick in overhead display sales, not a decrease, in addition to their other systems sales. In other words, everything is still selling and each carrier has a valid reason for the choices it is making.
I’m holding one of the IFE units from the Rockwell Collins kit. It is easily removed/swapped/upgraded without dismantling the whole seat. The one to the left is fully installed.
First it was Apple. Then Google. Now we’re looking at an app store for the IFE systems, too. Thales has announced a new SDK and app store for their Android-based IFE system. The SDK side of the kit integrates to the Eclipse IDE and exposes some of the special hooks that the IFE system has which other Android-based devices wouldn’t. That means accessing flight path data is possible and handling content interruption by PA announcements is properly managed. The store side is, well, a store. Once an app is ready to deploy a publisher pushes it into the store and airlines can go shopping, just like consumers do today. Pick an app, buy it and the Thales system delivers it to the supported aircraft along with the other content updates such as new movies. Thales is still providing some level of screening before letting just anyone in to their app ecosystem, but the idea of a standardized platform to operate between the developers, IFE providers and airlines is a fantastic one which has great potential to change the style and range of products available to passengers in the very near future.
Check out the new Thales app store for in-flight games and such. The SDK is pretty slick, too.
For the BYOD community coming up with a way to use a tablet while also doing something else is a tremendous challenge. There have been a few companies which have tried and the back-story in the space is an interesting one, with tales of patent violations and IP theft, in addition to the part where there isn’t really anything deployed yet. I see that changing pretty soon, and TabCaddy is my bet for the first big winner.
I’m betting big on TabCaddy this year. Probably the break-out offering of the show.
Those are the highs from the show, if you will. Mostly positive news, really. And while no single event or booth gave me a particularly negative feeling I couldn’t help but walk away at the end of the show a bit sad. And it isn’t because the offerings are bad; actually, it is quite the opposite. There are so many amazing technologies, systems and kits which could be installed on-board to make the experience so much better. And I know why they aren’t all there all the time. Still, it is a bit sad to me that I know the options are there and we can’t have them all immediately. Some will make it on board eventually and I’ll console myself with that.
But the in-flight experience really could be so much better.

industry_corpus2: Aerospace


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Holiday season is upon us. I’m watching to conversation in the StartUp FASHION Community ramp up big time with topics like blogger collaborations, online gift guide pitching, and trunk shows with boutiques being the most pressing.
I imagine as you hustle to make the most of the holiday season and get your share of all that dough changing hands, you’re feeling a bit overwhelmed.
Those are overarching topics that you should be spending time reviewing. But how about some specifics? We checked in with 7 fashion industry experts to share tips and ideas for not only surviving but thriving this holiday season!
ON TRUNK SHOWS AND POP UPS….
Get Your Fashion Business Holiday Survival Guide. Its Free!
Thank you for always giving the best and most helpful insight. I am an independent women’s wear designer based out of Brooklyn, and have been putting out seasonal collections since 201I for my line, Crystal Mone’. This Thursday I will be debuting my Winter 15/16′ collection online, and am very excited. I wanted to know if you may know of any upcoming holiday fashion shows or events (trade shows, market) in NYC, for independent designers? Or is there a FB page community or IG page posting all upcoming events for independent designers?


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Presidential candidate of the New Patriotic Party, Nana Addo Dankwa Akufo Addo, on Wednesday night told students and lecturers of Takoradi Polytechnic that his government will spend a chunk of Ghana’s oil revenue on Education and Health.
He said the best way Ghana can make a brighter future for the next generation is to use part of the oil money to provide free Basic Education to the young ones, up to Senior High School. He was speaking during a visit to the Polytechnic.
The students of Takoradi Polytechnic, who composed several songs to welcome the NPP Presidential candidate, sang and cheered as Nana Akufo Addo made his statements. The venue of the event, the auditorium, which was fully packed, was built by the NPP while in office.
Some speakers took time to make a case for voting the NPP back into power, pointing to some works done by the party in its 8 years in office, the biggest among them, Ghana’s oil lying under the belly of the sea, off the coasts of Takoradi.
Nana Akufo Addo reiterated his plan for Education and Health, the two key sectors he would spend most of the oil money on, as he spelt out at the IEA debate last Wednesday. He believes this is the best legacy Ghana can leave for the next generation, when the oil and gas run out.
“We have to learn from the history of other countries. We don’t have to make the same mistakes as other people have done”, he said, referring to the oil curse.
He blamed the NDC government for wasting Ghana’s wealth in the payment of “dubious judgement debts” most of which he said were paid to NDC cronies.
He asked the students to be vigilant on the Election Day to ensure that change comes on December 7.


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It appears Lionsgate is finally moving forward with their long-gestating Harry Houdini movie. Producer Frank Marshall (Gremlins, Back to the Future) is stewarding the project which will present Houdini as an adventurer, master of magic, and an investigator of the occult. Instead of producing a standard biopic, Lionsgate aims is to create a swashbuckling version of the character in the mould of Indiana Jones.
The film has been spinning its wheels in development hell since 2009, now looks as though it’s gaining some traction. Lionsgate’s people are in talks to sign a hot young director with a couple of 2016’s most buzzworthy genre releases under his belt.
Deadline is reporting that the studio is in discussions with 10 Cloverfield Lane director Dan Trachtenberg about directing the project. Lionsgate is basing their version of history’s most iconic magician on William Kalush and Larry Sloman’s 2006 book, The Secret Life of Houdini: The Making of America’s First Superhero. Noah Oppenheim, fresh off of a scripting prize for Jackie at the Venice Film Festival, is penning the script.
Based on the names attached to the project over the years, it’s evident that Lionsgate has high hopes for a potential Houdini franchise. Since 2009, directors Dean Parisot (Galaxy Quest), Gary Ross (The Hunger Games), and Joe Wright (Atonement) have each flirted with coming on board. Most notably, back in 2014, Johnny Depp was in the running to play the film’s lead.
One thing that bodes well for this project is Hollywood’s love of following popular trends. Fantastic Beasts and Where to Find Them — which also prominently features magic and takes place in a bygone era — is currently having an exceptional box office run. Factor in the runaway success of November’s other mysticism-based movie, Doctor Strange, and it makes sense why Lionsgate’s execs would want to get a Houdini film in theatres as soon as possible.
Bringing Trachtenberg on to helm the picture looks like a solid fit. Although his filmography as a director doesn’t run deep, he has shown a preference for choosing genre material as well as a knack for crafting well-executed films. Trachtenberg joining the project would fall in line with Hollywood’s current trend of handing over big-budget franchises to up-and-coming directors. With a veteran producer like Marshall on board offering guidance, the production looks like an ideal assignment for a young director with Trachtenberg’s particular skill set.
Although this project has elements to get excited over, there are justifications for the production’s numerous false starts. Over the past several years there have been multiple failed attempts at bringing audiences stories about Houdini. Two recent miniseries, 2016’s Houdini & Doyle and 2014’s Houdini (starring Adrian Brody) both failed to connect with viewers. As such, no one looking forward to seeing this iteration of Houdini on the silver screen should get their hopes up until a director and cast finally sign on the dotted line.
Screen Rant will keep you updated on the upcoming Harry Houdini film as development continues.


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SlingTV has TCM. I think their packages start at $25 or so. Dish Network has a basic “flex” package that includes TCM that is about $40 (this is what I have). Hulu, Kanopy and MUBI all have good offerings, but nobody really competes with TCM in my opinion.
I read this thread just to make sure Marty was listed #1. Good job!
Black Snake Moan (2006) has a great deal of blues. It’s much better than it looks.
Aftermath: Are We in Serious Danger of Losing TCM?
I recently “downgraded” my DISH subscription to the Flex pack mostly to get TCM without buying into one of the top packages. I also pay for DVR and local channels so that adds about another $20 but still a relative bargain compared to the top tier packages.
This 15 part documentary is also available on Hulu. I think it was on TCM in 2013. I recorded it to my DVR and still have it there.
To Kill a Mockingbird is not a decent film? I get the “white savior” problem with the film but for 1961 it was a bold work. Raisin in the Sun is amazing and I will put Claudine on my list as I don’t know if I have seen it.
I don’t remember the name of the characters, but The Best Years of Our Lives had several wounded veterans that contributed greatly to that film.
Resolved: No movie should be more than two hours long. Debate.
I’ve been with MoviePass for about 9 months now. I love it and will ride this train until it stops. AMC accepts it, they just don’t like it. The new AMC plan looks good if you have nice AMC theaters near you. I see maybe 8 to 10 movies a month in the theater all for $9.95. You can’t beat that but the company is sketchy and will soon go bankrupt or will raise prices but it’s been a great ride so far.
If all your posts are like this one, please don’t hold back.


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If you’ve been following along on my Instagram or Facebook, you’ll know that while the man and I were in Chicago last week, we managed to eat our way silly! From brunch at Hashbrowns and Siena Tavern, afternoon tea at The Allis at Soho House, to family dinner Friday night at Carmine’s, we’re stuffed! We did manage to try a few new spots and dishes, but none stood out quite as well as dinner at the newly reopened Gemini in Lincoln Park.
Nestled on the corner of Lincoln Drive and Dickens Avenue, the Gemini has a beautiful, triangular shape, as evedenced by the photo above. Black and white awnings top windows on both sides, and the script of the entry sign is as beautiful as one could want.
We started with oxtail aglonotti and their parker house style rolls, which were salty, buttery, and perfect. The pasta was so beefy, covered in simple tomatoes and topped with shaved parmesean. Each piece was hand-rolled. I had a Kensington- their take on a French 75, including an elderflower vodka, while B enjoyed their Velvet Old Fashioned.
For his main, he chose his go-to: Steak Frites, which was topped with a bone marrow butter, and I had their special of the evening, a swordfish steak with burre blanc, and we split their more popular side of peas and bacon… which doesnt sound like much, but imagine still-fresh peas smothered in a leek cream sauce, with both tender cipolini onions and topped in crunchy onion tanglers. I could have had it as a meal alone!
We both mused how the feel of this place- the atmosphere, the music, the dishes themselves- reminded us of our favorite hometown spot, Rye on Market. I know we’ll definitely be going back, and next time, we’ve got our eye on the Duck Confit Nachos.
Friends, if you’re in the Chicagoland area, go check Gemini out. At least belly up to the bar and grab that aglonotti and a cocktail. You won’t be disappointed.


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I bought my chocolate Tracy a few months ago in Italy because I fell in love with her. Soon after, her hardware just randomly started to loosen and fall off! I got Nordstrom to send her away which took LITERALLY four months (November-March) and I recently got her back and there are still hardware problems. I have NO idea what to do. I don't want to be deterred from ever buying another Chloe but I am really disappointed in their customer service! Opinions? Ideas? Help!
sorry to hear and I fell your pain. My first chloe was an mousse front pocket paddy and after a few months the color started to fade all over the bag so I took it back to the Chloe boutique... no problem they said, we will send it back to be re-dyed. I was not a tpf'er back then so I said sure sounds OK. Fast forward at least 2-3 months and my bag comes back a stiff painted mess. The beautiful chloe leather destroyed . Of course by then, bag was sold out and on top of it they no longer make that particular style which l 'ed. I got a credit which I used for my black elvire and have purchased 3 other Chloes since then . I've had no other problems with those so I think they just have these isolated incidents if it's any consolation. Their CS does stink though. The one good thing out of my story is it led me here where I have made many great friends.
Try rifling through this link?
^^ thanks for the link. The whole point is though, that I should not have to be repairing and spending an additional amount of money on a brand new bag that was already as high priced as a Chloe is. I might just have to resign myself to paying to get this one repaired and then just be aware that I may have to do it again in the future if I want to risk buying another Chloe.
How frustrating! It's one thing when a cheap bag has problems, you don't expect much. But a Chloe is an investment and it's disappointing that they don't back up their merchandise and make sure their customers are happy.
Can't you get a refund and buy something else? Chloe bags in general are very durable and incredible well crafted- this is obviously a faulty product.
If it was only a few months ago that you bought the bag, you should have certain consumer rights- an expensive item should be fit for purpose. If the bag has already been repaired and the fault has not been remedied then that doesn't seem to be the case.
Take your receipt back to the shop, with the bag, and kick up a fuss!
I wish I COULD bring the bag back. I bought the bag when I was in Italy (at a reputable place) and then had Nordstrom send it out for me (where it was authenticated at Chloe - it is authentic) so basically I'm kind of stuck. I don't want to hold Nordstrom responsible because it technically wasn't their stock but they DID send it out for me like it was.
I really did pay full price for this bag and it just saddens me that Chloe doesn't back it up. I really do love their bags.
Oh dear- that is a nightmare. I would write a strong letter of complaint to Chloe and see if they offer to change the bag for you.
sorry to hear and I fell your pain. My first chloe was an mousse front pocket paddy and after a few months the color started to fade all over the bag so I took it back to the Chloe boutique... no problem they said, we will send it back to be re-dyed. I was not a tpf'er back then so I said sure sounds OK. Fast forward at least 2-3 months and my bag comes back a stiff painted mess.
Can you contact the original retailer and ask to send it back to them for a refund?
I'd have thought that, as it was sent back to Chloe to repair (rather than to an independent repairer), that shouldn't affect your statutory rights, should it?
Sorry to hear about the problem. Chloe has a quality control problem. Hang in there and be persistent with whoever you deal with at Chloe.
I would love to do that. The retailer is pretty popular in Italy (or in the area I was in) but I am afraid that the language barrier will create a problem plus the bag could go missing and it just sounds like a disaster to me.
I am assuming I could call Chloe and be pretty persistant. I mean, when they sent it from Nordstrom TO Chloe (who I am guessing has their own leather workers in NY?) the problem should have been solved. But since it hasn't, there should definitely be some responsibility held somewhere. Such a mess!
One of my paddy handles have problems also and it's new. I contacted Chloe in NY direct and no answer to how or where to be fixed.
I wish they had better after sale service and stand behind their products. Buying from 2nd hand or from other stores should not be limited to services as long as it's authentic.
Chloe should stand by their products and their repairs.


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Mr. Sam Azar joined Hafezi Capital as Vice President of Business Development focusing on building the firm’s national client base as well as a developing the company’s international operations and working with our international client portfolio in Asia, Europe and the Middle East.
Mr. Azar has spent the last six years in the consulting field both in the United States and around the world helping US and foreign companies expand into the international market by conducting extensive feasibility studies and due diligence projects. Mr. Azar has worked in the risk management consulting industry conducting due diligence and advising clients on risks associated with potential mergers and acquisitions as well as in the political consulting field helping national organization influence Government and Congress through the use of a number of online advocacy solutions. Mr. Sam Azar started his business career at the age of 17 as the owner and CEO of a small garment manufacturing business. Mr Sam Azar currently serves as a Director Consultant for BNI in Northern and was the former President of the Alexandria the Great BNI Chapter, a networking group part of the world’s largest networking organization with over 200,000 members in 60 countries. Mr Azar has been involved in a number of local charitable organizations including HomeStretch, UnitedWay, and the DC Central Kitchen. Sam Azar has a Bachelor Degree in International Affairs and Political Science; and Masters Degree (M.A.) in International Relations; and a Masters Degree in Business Administration (M.B.A) and International Business. Sam Azar currently resides in Arlington, VA but regularly travels around the world as an avid frequent flyer which has turned his hobby of traveling and flying around the world into a real passion.


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How to provide a substantial rental income, if planned carefully.
When you buy a holiday home in Spain, you’re not only making a property investment. It is also an opportunity to make money in the long run by renting the Spanish holiday home in the weeks and months that you are not using it yourself.
Here we will show you a few but important things you must consider in the acquisition of Spanish holiday homes – things that matter most in the rental potential of your Spanish property.
Start by getting an idea of your target audience. By determining your target group of tenants, you will achieve the best results in your Spanish rental business – both in terms of earnings and customer satisfaction.
Your target group could be: young couples with no children, old couples with no children, families with children, groups of families with children, families with a person with disability, or perhaps a group of business travellers. Each group has different and specific needs. But if you are able to deliver 100% of their wishes and expectations, you can be assured of your success.
First and foremost, your Spanish holiday home has to be in an ideal location where you would dream of living when you go yourself on holidays or vacations. Since you also need to consider your target group’s needs and requirements, it is advisable to find a location that is both perfect for your own and your target group’s holidays.
If your target group is families with children, for example, it is important that the Spanish home is safe – not close to roads with heavy traffic and speeding cars. Families with children also want easy access to supermarkets, restaurants, beaches, parks and playgrounds. If your audience are young couples without children, your holiday home can be closer to busy places and the bars. For business travellers in groups and for older couples, the Spanish holiday home can be in quiet and peaceful areas.
Other important things to consider, in terms of location, are the view and the distance to the airport. You might want to also think of its distance to golf courses and ski resorts.
The size of the accommodation that you choose to buy is likewise important for your target group. Smaller apartments are great for young and old couples travelling without children, while large villas are good for families with children. Larger villas are perfect for groups of families or business travellers.
Regarding how the house is laid out, think of the necessary equipment and facilities your target group is looking for: a number of bedrooms, private bathroom for each bedroom, and maybe more living rooms or work spaces. If you wish to rent for persons with disabilities, or in wheelchairs, make sure to provide direct level access and plenty of space in the bathroom, kitchen, bedroom, front doors, etc.
The choice of house features and furnishings is also important for your target group. Nowadays, Wifi Internet access, cable TV, air conditioning and mosquito nets for windows and doors, are important for all groups. The same applies to washing machines and dishwashers. But there are big differences with other things.
Families usually find swimming pools an attractive feature that’s why pools can be important for groups of families for children. But, of course, do not forget safety. The pool must be adequately shielded with a fence. The entire outdoor area must be fenced, so parents can relax without being worried about where the children might walk or wander off. Likewise, remember to have a door or gate in front of stairs. Remember, it’s quite crucial to think about security if the target group is families with children.
Another thing to consider is that the furniture must look presentable. It’s generally recommended to choose pieces of furniture that are better than the cheapest in the market. Try to make the Spanish home comfortable, cosy and homey, and your guest will feel even more at home. Also, keep in mind the target audience when it comes to choices of furniture. If they are business travellers, there must be good work desks and chairs. If they are families with children, there must be high chairs, cribs, etc.
Once you have purchased your dream holiday home in Spain with the appropriate choices of location, size, design, features and furnishings for the target group in mind, renting it out is much easier and more pleasant. Most rent the property on a weekly basis as rental income on short-term rentals is significantly higher than the long-term ones. Also, implementing short-term rentals makes it easier for you to use your Spanish holiday home for yourself, your family and your friends.
The normal level for Spanish properties is 20-30 weeks of rental per year. Advertising about renting can be either through your own website, vacation property portal or agency. The rental itself can be managed by either you as the owner or a skilled agent in the area that you choose. Tasks are to meet with customers, provide keys, accept payment and check guests out, etc. In most cases, cleaning is done by local cleaning companies.


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Building on the ever-growing popularity of its X-T1 SLR-styled mirrorless X-series camera, Fujifilm today made a unique announcement. The new X-T1 IR is Fujifilm‘s newest addition to the X-series, opening up the world of infrared photography to X-series shooters.
Internally and externally, the X-T1 IR is identical to its namesake, the X-T1. The only difference between the two models is the IR optimized sensor on the IR version of the camera. Which is to say that the sensor has been optimized to light wavelengths between 380 and 1,000 nm.
It is rare for camera manufacturers to announce such niche products, and most IR photographers have had to pay to have a standard camera modified to have the IR and UV filters removed in order to enjoy the world of IR photography. It will be interesting to see what sort of results are possible from this X-T1 IR, since it comes from the factory without an IR filter, vs. having its IR filter removed after the fact like most custom IR cameras out there.
The pricing of this new X-T1 IR will come in at about $1699, not exactly cheap, but one should expect to pay a premium for a specialized and niche product like this. According to the press release, the new camera will be available this upcoming October.
Pre-orders are now available at major retailers like B&H, and given the niche appeal to a product like this, I would suggest a pre-order if you are interested, as supply could be a factor if you decide to wait.
What are your thoughts on the X-T1 IR? Have you tried, or does this make you interested in trying, IR photography? Leave a comment below and let us know what you think!
Might be interesting for astro photography.
The artical is kind of vague. did fuji remove or strip the sensor clean by that i mean remove the anti alias an ir blocking filter and rplace it with a clear filter on the sensor so you can use ir filters on the lens and still have the ability to go color .or did they put a infrared filter on the sensor with some color shift . I currently have two canon cameras converted to the near infrared . A 1Ds with a 72R infrared filter ,red/blue channel color shift. And i also have a1Ds2 with the 89R infrared filter, deep black & white no color shift.
They didn’t go into details, just that the sensor is now optimized for IR and UV light between 380-1000nm.
What about buying a secondhand xt1 and getting a filter? Probably about £800 and you can shoot normal picks by unscrewing the filter. Just a thought. Feels that a very good company is screwing the last dime out this sensor waiting for sony’s 6 month embargo on its new 24 mil aps c sensor to end then it’s back to fuji usual brilliant best.
Digital cameras typically have an IR filter integrated in the sensor stack. So while you can shoot with an IR filter and get some response, you’re going to be limited, particularly at lower IR frequencies (eg, the farther you get from visible light).
First Comment! Is it worth to buy the previous gen?


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Occupants in period homes need to be protected from rising fuel bills if such houses aren't to become exclusively for the rich.
The minimum income a household living in a period home will need in 2030 to avoid suffering fuel poverty will be nearly £100,000, according to a report on the energy use of historic houses. This terrifying prediction, based on projected fuel price rises, suggests that in less than 20 years the ownership of period homes will be the luxury of the super-rich.
In the near future, says Chris Hocknell of report authors Eight Associates, "the upkeep of period homes will be prohibitively expensive for many".
Conservation organisations such as English Heritage or the Victorian Society who oppose measures such as double glazing in sash windows may need to reappraise their policies. "The very first rule of preserving a historic building is to get somebody to live in it," says low-energy building expert Peter Warm. "If homes are too expensive to heat they will become redundant."
Eight Associates examined the energy requirements of three similar Victorian terrace houses, built around 1840 in the leafy Ladbroke Estate, west London. The houses are all owned by Octavia Housing, the legacy of Victorian social reformer Octavia Hill, who campaigned for decent housing for less well-off city dwellers.
For the study, one house was left unimproved; one was refurbished to reasonably good standards with high levels of insulation and a new heating system. The third was retrofitted to "Passivhaus" standards, meaning it requires little to no heating and hot water for washing is generated from solar thermal panels on the roof. The windows are triple glazed – the first imitation sash triple-glazed windows in the UK; walls have been treated with high levels of internal insulation and original wooden doors replaced with heavy insulated ones.
Although the measures sound extreme I would challenge any casual lay person walking down the street to identify the "Passivhaus" among the pleasingly elegant flat-fronted three-storey terraces.
Energy use of all three homes was measured over a year and for the purposes of the analysis it was assumed that the optimum temperature for living areas would be 21C (70F). Analysis of the homes over the period showed that the unimproved house required 366 kWh (kilowatt hours) of power per square metre (including electricity) while the insulated home required only 198 kWh and the "Passivhaus" just 63 kWh. Over the year occupants of the "Passivhaus" spent £1,255 less on fuel than residents of the unimproved home and occupants of the insulated home £560 less.
In addition, data revealed that even with heating, temperatures in the unimproved home dropped to 16.4C, well below the "safe" temperature for the young, ill and elderly. Projecting fuel price rises, the analysis also revealed that even occupants of the insulated house would eventually suffer fuel poverty unless they were earning more than £60,000 a year by 2030.
Boushra Bakli, who lives in the "Passivhaus" refurbishment, says that when she and her family moved into it the difference was startling. "We moved from a similarly aged but unimproved house. We were always cold. Our fuel bills have dropped from about £1,700 a year to £800 a year." Teenage daughter Siryn is happy too as mum has more cash to spare for clothes and pocket money.
Peter Warm, who describes the renovation of the Princedale Road house as "a milestone in the history of thermal renovation", says that the fact that the house is in a Conservation Area is even more exciting. However, costs of the refurbishment suggest that if occupants in period homes are to be protected from rising fuel bills there needs to be a better way of funding radical retrofit projects. The "Passivhaus" refurbishment cost £80,000 while the "middle way" insulation project cost £13,000.
"Millions of period homes are going to need to be treated quite radically to avoid occupants suffering unduly from the cold and damp in the winter," says Warm. "You can't put a price on that."


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Co-authoring simplifies collaboration by enabling multiple users to work productively on the same document without intruding on one another’s work or locking one another out. This functionality requires no additional server setup and is the default state for documents stored in SharePoint 2010.
In Word 2010 and PowerPoint 2010, saving to a document notifies other users viewing the document that there are new edits. Those users can refresh their view immediately to see those changes or continue their work and refresh later to see the latest edits. The authors can also see one another’s work, and everyone knows who is working on the document. SharePoint 2010 versioning and tracking tools protect the document so that authors can roll back unwanted changes.
When a user checks out a document for editing, this locks the document for editing to only that user, which prevents co-authoring. Require Check Out should not be enabled in document libraries where co-authoring will be used. By default, Require Check Out is not enabled in SharePoint 2010. Users should not check out documents manually when co-authoring is being used.