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6 Vacations Inspired by Robert Louis Stevenson
Posted by Stefani Sloma
Don your fake mustaches, read poetry, and have the biggest case of wanderlust possible. RLS, born November 13, 1850, was not only a talented and creative writer but an extensive traveler, drawing inspiration from around the world for his stories. He spent time in England, of course, but also traveled to France, New York, Hawaii, California, Somoa, and Belgium. If just talking about these beautiful places doesn't ignite your wanderlust, here are some of the places RLS traveled that would make perfect vacation destinations.
RLS's birthplace and the focus of Edinburgh: Picturesque, a series of essays about the doubled city that is Edinburgh, Scotland – old town and new town, rich and poor, city and country. Travel to Edinburgh to see beautiful castles, dark history, and cobblestone streets. But remember to take an antidote in your carry-on in case you're feeling more Hyde than Jekyll after your flight.
Stevenson traveled to France many times, to be inspired by the artists there, painters and writers alike. It inspired many of his essays and stories, including An Inland Voyage and Travels with a Donkey. If you decide to visit France, you can hike the Robert Louis Stevenson Trail, but you might want to pick up a donkey on the way.
In 1879, RLS traveled from London to New York to meet up with his sweetheart and soon-to-be wife, Fanny Van de Grift Osbourne, in California. His stay in NY was really more of a layover, but he wrote about his journey in The Amateur Immigrant. We recommend traveling to NYC by plane, not by boat, but if you do go, make sure you have more than forty-five cents a day like RLS.
In 1880, after marrying Fanny, the couple (and her son) honeymooned in Napa Valley, California, land of wine and petrified forests. Book your hotel early so you don't have to squat at Silverado like RLS and his family.
While in Napa Valley recuperating his health, RLS was urged by a friend to travel the South Seas, a suggestion he finally followed in 1888. He traveled several times to Hawaii, where he became good friends with Princess Victoria Kaiulani and King Kalākaua. Make sure you bring your fineries to the South Seas. You never know when you'll run into a king.
SAMOAN ISLANDS
RLS and his family, after years and years of traveling, finally settled down in the Samoan Islands. His imagination was on fire from his time in the South Seas, and he penned many, many books. Bring a sense of wonder and curiosity here, for you never know what island night entertainment you might find.
Enjoy your vacations. Explore the world like Robert Louis Stevenson. But bring a map everywhere you go. You never know when you'll find treasure.
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Two UT Southwestern Medical Center molecular biologists are among 26 distinguished biomedical scientists nationwide named Howard Hughes Medical Institute Investigators.
Dr. Kim Orth, Professor of Molecular Biology and Biochemistry, and Dr. Joshua Mendell, Professor of Molecular Biology, were named by the institute, a philanthropic organization that promotes biomedical research. Their appointments bring to 13 the number of UT Southwestern faculty members who are HHMI investigators, out of a total of 17 in all Texas institutions.
"Selection as an HHMI Investigator is based on the significance of the contributions a scientist has made to their field of research. Both of these talented scientists have made enormously important advances that will impact the future of medicine," said Dr. Daniel K. Podolsky, President of UT Southwestern.
"Dr. Orth has made pioneering discoveries regarding the basic biochemical mechanisms underlying many bacterial infections, identifying new ways that invading bacteria hijack and deregulate a cell's signaling systems. Dr. Mendell has increased our fundamental understanding of the regulation and function of microRNAs in physiological processes, which is important for understanding wound healing, tissue regeneration, and diseases such as cancer," added Dr. Podolsky, who holds the Philip O'Bryan Montgomery, Jr., M.D. Distinguished Presidential Chair in Academic Administration, and the Doris and Bryan Wildenthal Distinguished Chair in Medical Science.
Dr. Eric Olson, Chairman of Molecular Biology and Director of the Hamon Center for Regenerative Science and Medicine, said the department was gratified that two of its faculty members are joining such a prestigious group of scientists.
Dr. Orth holds the Earl A. Forsythe Chair in Biomedical Science and is a W.W. Caruth, Jr. Scholar in Biomedical Research.
The Orth lab studies how pathogens manipulate host cells for their own benefit and survival. Her team's work has uncovered unexpected strategies that bacteria use to survive and spread. Her research group has helped discern normal signaling processes in host cells, including mechanisms that can be exploited to treat disease.
The researchers have found that Yersinia, the bacteria that causes plague, silences an infected cell's attempts to summon immune cells by chemically modifying a key signaling protein so that it can no longer be switched on. Their studies of Vibrio parahaemolyticus, a bacterium that causes food-borne illness, showed that the microbe injects a toxin into host cells that remodels the cell's membrane structure, causing it to engulf the bacteria. Once inside, bacteria grow and divide until the host cell ruptures.
Studies of another Vibrio toxin by Dr. Orth and her colleagues revealed a previously unrecognized way in which cells chemically modify their proteins to alter their function. The bacteria use the modification, which Dr. Orth named AMPylation, to cause host cells to collapse and die. Her team also discovered a protein that many bacteria use to adhere to cells during the early stages of infection, and the team is testing whether they can interfere with that attachment to prevent or weaken infections in patients.
Dr. Orth received her Ph.D. in biochemistry and molecular biology from UT Southwestern, and joined the UT Southwestern faculty in 2001 as a W.W. Caruth Jr. Scholar in Biomedical Research. In 2003, she was named a Beckman Young Investigator by the Arnold and Mabel Beckman Foundation, and in 2006 she was named a Burroughs Wellcome Investigator in Pathogenesis of Infectious Disease. In 2010, she received the Norman Hackerman Award in Chemical Research from The Welch Foundation, and in 2011 she received the Edith and Peter O'Donnell Award from The Academy of Medicine, Engineering and Science of Texas (TAMEST). In 2012, she received the American Society for Biochemistry and Molecular Biology (ASBMB) Young Investigator Award.
Dr. Mendell, a member of the Harold C. Simmons Comprehensive Cancer Center and a Cancer Prevention and Research Institute of Texas (CPRIT) Scholar in Cancer Research, has been a leader in the study of microRNAs involved in regulating gene activity, and how they influence development and disease. He showed that a well-known, cancer-promoting protein, MYC, directly stimulates production of a specific cluster of six microRNAs that contribute to MYC's ability to drive tumor formation. Work from the Mendell lab has revealed involvement of microRNAs in several other critical cancer pathways as well, and the lab recently demonstrated that certain microRNAs are important for wound healing.
Dr. Mendell's team also has uncovered new mechanisms through which the abundance of microRNAs is controlled in normal tissues and in tumors. Ultimately, Dr. Mendell is interested in developing new therapies for human disease, and his work in animal models has provided persuasive evidence of the therapeutic potential of microRNAs. His team slowed the growth of liver tumors in mice by giving the animals a specific microRNA that was present at lower levels in cancer cells, compared to healthy liver cells. The treatment killed tumor cells but preserved healthy cells, suggesting such therapies might be tolerated and effective.
Dr. Mendell received his Ph.D. and M.D. from Johns Hopkins University School of Medicine and joined the UT Southwestern faculty in 2011. He was previously recognized as a March of Dimes Basil O'Connor Scholar; a Rita Allen Foundation Scholar; a Leukemia and Lymphoma Society Scholar; and a Howard Hughes Medical Institute Early Career Scientist. He received the Allan C. Davis Medal (Outstanding Young Scientist in the State of Maryland) and the American Association for Cancer Research Outstanding Achievement in Cancer Research Award in 2010.


ACCIDENT: An event causing loss, which occurs without being expected or designed, usually specific in time and place.ACCELERATED DEATH BENEFITS: A provision that will pay all or part of the policy death benefits while the policyholder is still alive. Conditions include proof that the policyholder is terminally ill with a life expectancy of less than 12 months, has a specified life-threatening disease or is in a long-term care facility such as a nursing home. By accepting an accelerated benefit payment, a person could be ruled ineligible for Medicaid or other government benefits. The proceeds may also be taxable. ACCIDENTAL DEATH BENEFIT: Provision for payment of an additional amount– usually equal to the face amount of insurance – if the insured is killed in an accident. Popularly known as double indemnity.ACQUISITION COSTS: Expenses incurred in acquiring new business premiums and conservation of renewal business. Broad in scope, it includes cost of soliciting business, issuance of policies, collection of premiums, agents' compensation, field supervision, advertising, and any other expense reasonably attributable to acquisition and conservation of written premiums.ACTUAL CASH VALUE (ACV): The cost of replacing or restoring property at prices prevailing at the time and place of the loss, less depreciation, however caused. Another definition: the sum of money required to replace property less depreciation, which includes physical wear and tear, and obsolescence.ACTUARY: A person whose principal function is to make the technical calculations required for the pricing of insurance policies.ADDITIONAL EXTENDED COVERAGE: A second endorsement on the fire policy(fire and lightning with extended coverage) which insures the dwelling and/or contents against water damage from plumbing, etc.; boiler explosion; glass breakage; and damage by ice and snow, freezing, fall of trees, collapse, vandalism, vehicles owned by insured or tenants and landslide.ADDITIONAL INSURED: One who is protected by an insurance policy other than the named insured. Examples: In automobile insurance, one who drives the insured's car with his consent ordinarily is protected. In property insurance, this might be a co-owner, mortgagee, or lien holder.ADJUSTER: A person who investigates and settles losses for an insurance carrier or the insured.ADVANCE PREMIUM: Most companies give the insured the right of making premium payments in advance.AGE CHANGE: An age change occurs on the date, halfway between birth dates, on which the life insurance age changes. Immediately after, the premium for new life insurance will be computed to the age on the next following birth date. The life insurance age is the age at nearest birthday.AGE LIMITS: The ages below and above which the company will not accept applicants.AGENCY: An organization which solicits insurance for one or more carriers and may perform other functions such as issuing policies and adjusting losses.AGENT:1. An individual who solicits insurance for one or more carriers and may perform other functions, such as issuing policies. 2. Agents of a direct writer are sales employees of one company only.AGE OF CAR (age group): A term used to classify cars according to age for rating purposes.ALL PHYSICAL LOSS FORM: This coverage protects against loss from "all risks of physical loss" for dwellings subject to certain exclusions contained in the form.ANNUAL POLICY: Insurance policy written for a term of one year.ANNUITY: A contract in which the buyer deposits money with a life insurance company for investment. The contract provides for specific payments to be made at regular intervals for a fixed period or for life.ANNUITANT: The person during whose life an annuity is payable, usually the person to receive the annuity.APPLICATION: A request to a company for a policy. The application is a conditional offer to buy. If the medical examination and the inspection are in order, the company usually will accept the offer. It may be the policy named in the application or, if the applicant is substandard, it may be on a higher premium or other policy form.APPRAISAL: Determination of the value of property or the extent of damage by impartial experts. Many property insurance policies provide for "appraisals" where the company and the insured cannot agree on the amount or the extent of a loss.APPROVED: In fire insurance, usually means that the construction, equipment, preventive and protective devices meet established requirements for insurance. In many cases,"approved" construction results in reduced insurance premiums.AREA: A territorial subdivision, usually called "rating territory," within a given state used for rating purposes.ARSON: The willful and malicious burning of property, sometimes with the intent of defrauding an insurance company.ASSETS: All of the property owned by a carrier. ASSIGNEE: One to whom the legal ownership of a policy or a limited interest therein is transferred.ASSIGNMENT: The partial or complete transfer by a person of his right or interest in a policy to another person. The ability of a person to so assign the policy may be limited by law or individual circumstances. An assignment must be written, signed by the owner-policyholder whose interest is being transferred, properly attested, and the original or a certified copy must be filed with the insuring company. A valid assignment so filed is binding on the company.ASSURANCE-INSURANCE: These terms are today generally accepted as synonymous, although not originally so. The term "assurance" is used more commonly in Canada and Great Britain than in the United States.
BENEFICIARY (LIFE): The person named in the policy, to whom the insurance money is paid at the death of the insured.BINDER: A written or oral contract issued temporarily to place insurance in force when it is not possible to issue a new policy or endorse the existing policy immediately. A binder is subject to the premium and all the terms of the policy to be issued.BODILY INJURY BENEFIT COVERAGE: This automobile coverage is designed to protect the insured and any passengers in this car against loss by reason of bodily injury or death caused by the owner or operator of an uninsured automobile (or a "hit-and-run"). Also called uninsured motorist coverage.BODILY INJURY COVERAGE: This coverage, often called "public liability insurance", protects an insured against legal liability for injury to the person of another arising from an accident.BROAD FORM: A policy affording more liberal benefits, or in fire insurance, an endorsement that grants broader or additional coverages to a basic policy; usually added to a standard fire and extended coverage policy. For example, on a dwelling policy, it usually adds the following: vandalism, glass breakage, falling trees, weight of ice, snow or sleet, collapse. If added to a commercial fire policy, it might include vandalism, falling objects, weight of ice, snow or sleet, and collapse.BROKER: A representative of the insured in placing insurance with companies. He is paid a commission by the company or its agent. Often a broker also is a licensed "agent" for one or more companies.BUILDER'S RISK INSURANCE: Insurance against loss resulting from damage to buildings and to materials incidental to construction, including machinery and equipment, while the buildings are under construction.BURGLARY: Breaking and entering into the premises of another for the purpose of stealing with visible signs of forced entry.BUSINESS INSURANCE (LIFE): Insurance concerned primarily with the protection of aninsured's business or vocation. Business insurance protects a business against the loss of its valuable lives or key men; stabilizes the business through the establishment of better credit relations; and provides a practical plan for the retirement of business interest in the event of the death of one of the owners.
CANCELLABLE POLICY: A policy which may be canceled by the company at any time by giving advance notice to the insured and refunding any unearned premium.CANCELLATION: The discontinuance of an insurance policy before its normal expiration date.CAPITAL SUM: A term in accident insurance to describe the amount payable for death or for loss of hands, feet or sight. Also called principal sum.CARRIER: The insurance company or the one who agrees to pay the losses. The carrier may be organized as a company, either stock, mutual, or reciprocal, or as an association of underwriters such as Lloyds.CASH SURRENDER VALUE: The amount available in cash upon surrender of a life insurance policy before it matures as a death claim or otherwise.CASUALTY INSURANCE: A general class of insurance covering liability resulting from accidents and some types of property insurance. It includes among other coverages:automobile, workers compensation, employers liability, general liability, plate glass, theft and personal liability. It excludes life, fire and marine insurance, but, as ordinarily used, includes health insurance and fidelity and surety bonds.CATASTROPHE REINSURANCE: This is a form of insurance written on an excess of loss basis in order to improve the spread of risk against unknown concentrations of liability subject to one occurrence. A deductible is chosen at the amount necessary to reduce the probable frequency of loss to an acceptable level to the reinsurer, and severity of loss to alevel acceptable to the reinsured company.CHARTERED LIFE UNDERWRITER (C.L.U.): A designation conferred in recognition of the attainment of certain standards of education and proficiency in the art and science oflife insurance underwriting.CHARTERED PROPERTY AND CASUALTY UNDERWRITER (C.P.C.U.): A designation conferred in recognition of the attainment of certain standards of education and proficiency in the art and science of fire and casualty insurance underwriting.CLAIM: A request for payment of a loss which may come under the terms of an insurance contract. There are two types of claims. First party claim is one made by the policyholder in which the policyholder reports the claim directly to his company. A third party claim is one in which a person makes a claim against a policyholder of another company and payment, if any, is made by that company.CLAIMANT: One who makes a claim.CLAIM SEVERITY: The average cost per claim considering all claims under a certain coverage for a specified period.CLAIMS-MADE COVERAGE: Claims-made insurance is a type of liability protection that covers current legal obligations result for acts of the insured. It provides coverage to the insured for claims reported during the term of the policy.COINSURANCE PROVISION: An insurance provision for property coverage in which the policy holder must carry an amount of insurance that is at least equal to a set percentage of the value of the property in order to receive full payment of a loss.COLLISION COVERAGE: Covers loss to the insured person's auto caused by its collision with another vehicle or object.COMBINED SINGLE LIMIT: Bodily Injury and Property Damage coverage expressed as one single amount of coverage.COMMERCIAL FIRE: This coverage insures all property not occupied as a residence, excluding farming and manufacturing, against loss by fire.COMMON DISASTER CLAUSE: In life insurance, this clause is designed to alleviate the hardship that can result if the insured and primary beneficiary die at the same time or within a short period of time of each other. Usually the clause provides that if the primary beneficiary dies either before proof of the insured's death is submitted to the company, or within a stated period (usually 14 or 30 days after the insured's death), the proceeds will be paid to the contingent beneficiary.COMPREHENSIVE COVERAGE (physical damage other than collision): Pays for damage to or loss of your automobile from causes other than accidents. These include hail, vandalism, flood, fire, and theft.COMPULSORY INSURANCE: The purpose of compulsory insurance laws is to require all residents to buy liability insurance before auto license plates are issued. The law requires proof of financial responsibility (insurance) when license plates are issued.CONCEALMENT: The withholding of material facts from an insurer, either in applying for a policy or making a claim.CONTENTS: A term used to refer to the personal property contained in a building. It maybe household furniture, personal effects, or other types of personal property, movable in nature and not firmly affixed to the real property.CONTINGENT BENEFICIARY: A beneficiary whose right to receive depends upon the occurrence of a certain contingency – for example, the right to receive certain benefits only in the event that another named beneficiary dies prior to the time of payment.CONTRACT: In most cases, an insurance policy. A policy is considered to be a contract between the insurance company and the policyholder.CONTRIBUTORY NEGLIGENCE: Carelessness of the injured person that helped to cause the accident in which he was injured.COVERAGE: Another term for insurance. Can be used to mean either the dollar amounts of insurance purchased (ex: $500,000 of liability coverage), or the type of loss covered(coverage for theft).
DAMAGES: In a technical sense, damages refer to the money or compensation recoverable in a lawsuit by a party who has been injured in person or property or rights by the negligence of another.DEATH BENEFIT: Amount paid to the beneficiary upon the death of the insured.DEATH CLAIM: When a policy holder dies, the person entitled to the proceeds must complete certain forms giving due proof of the death and establishing the claimant's right to such proceeds. When filed with the company, the company is said to have received a death claim.DECLARATIONS PAGE: The page in a policy that shows the name and address of the insurer, the period of time a policy is in force, the amount of the premium, and the amount of coverage.DECREASING TERM LIFE INSURANCE: Term insurance on which the face value slowly decreases in scheduled steps from the date the policy comes into force to the date the policy expires, while the premium remains level. The intervals between decreases are usually monthly or annually.DEDUCTIBLE: The amount an insured person must pay before the insurance company pays the remainder of each covered loss, up to the policy limits.DEFERRED ANNUITY: An annuity under which the annuity payment period is scheduled to begin at some future date.DEPRECIATION: A decrease in the value of property over a period of time due to wear and tear or obsolescence. Depreciation is used to determine the actual cash value of property at time of loss. (See ACTUAL CASH VALUE.)DIRECT LOSS: A loss where an insured peril is the proximate cause. If a windstorm blows the roof off a home, the windstorm is the insured peril causing the direct loss or damage.DISABILITY CLAUSE: A benefit provision forming part of a life insurance policy providing for certain benefits in the event of total and permanent disability from accident or sickness.DIVIDENDS: A return to the policyholder of excess premium over losses and expenses at the end of the policy period. Dividends are authorized by the board of directors, and are payable to all participating policyholders of a specified class.DOMESTIC CARRIER: An insurance company organized in a given state is referred to in that state as a domestic carrier.DOUBLE INDEMNITY: Payment of twice the basic benefit in the event of loss resulting from specified causes or under specified circumstances.
EARNED PREMIUM: The portion of the total policy premium that has been "used up" during a policy term. With a one-year policy, half of the total premium has been earned after six months. EFFECTIVE DATE: The date on which an insurance binder or policy goes into effect.ENDORSEMENT: A written agreement attached to a policy expanding or limiting the benefits otherwise payable under the policy. Also called a "rider."EQUIPMENT FLOATER: A property insurance coverage for equipment that is ofte nmoved from place to place.ESTIMATED PREMIUM: A preliminary premium amount that could be adjusted based on a variance in exposures.EVIDENCE OF INSURABILITY: To qualify for a particular policy at a particular price, companies have the right to ask for information about health and lifestyle. An insurance company will use this information – the evidence of insurability – in deciding if your application for insurance is acceptable and at what premium rate.EXCESS AND SURPLUS LINES INSURANCE: Coverage that is provided by insurers not licensed in states where the risk is located.EXCESS LIABILITY POLICY: A policy that provides additional limits in excess of an underlying liability policy.EXCLUSIONS: Items or conditions that are not covered by the general insurance contract.EXPENSE RATIO: The ratio of a company's operating expenses to premiums.EXPIRATION DATE: The specified date and time at which the policy terminates.EXPOSURE: Measure of vulnerability to loss, usually expressed in dollars or units.EXTENDED COVERAGE: An extension of the fire policy to cover the additional perils of windstorm, hail, explosion, or riot, attending a strike, civil commotion, aircraft, vehicle and smoke.EXTENDED TERM INSURANCE OPTION: A policy provision that provides the option of continuing the existing amount of insurance as term insurance for as long a period of time as the contract's cash value will purchase.
FACE AMOUNT: The amount covered by the terms of an insurance contract, usually found on the first page of the policy.FAMILY AUTO INSURANCE: The automobile policy (most common in the industry) which provides protection for all members of the family.FINAL EXPENSES: Expenses incurred at the time of a person's death. These include, but are not limited to: funeral costs, court expenses, current bills or debt, mortgages, loans and taxes.FIRST PARTY CLAIM: A claim filed by an insured against his or her own insurance policy.FIXED BENEFIT: A death benefit, the dollar amount of which does not vary.FLAT CANCELLATION: The full cancellation of a policy as of the effective date of coverage, which requires the return of paid premium in full.FLOATER: A type of insurance policy that covers property that is easily movable and provides additional coverage over what normal insurance policies do not. This can cover anything from jewelery to expensive stereo equipment.FLOOD EXCLUSION: A provision in most all property insurance policies eliminating coverage for damage by flood and possibly other types of water damage, such as seepage and sewer backup.FRANCHISE INSURANCE: Individual life or health insurance policies issued to a small group of people having a common affiliation or interest. Same as wholesale insurance.FREE LOOK: Trial period required in most states where policy owners have up to 20 days to examine their new policies with no obligation.FULL COVERAGE: Insurance which covers all losses, with no deductions, up to the amount of the insurance.
GAP INSURANCE: Insurance that pays the difference between the actual cash value of a vehicle and the amount still to be paid on the loan. Some gap policies may also cover the amount of the deductible.GARAGE LIABILITY INSURANCE: Insurance coverage for the legal liability of automobile dealers, garages, repair shops and service stations for bodily injury and property damage arising out of their business operations.GENERAL LIABILITY: A broad term meaning liability insurance, other than automobile, written to cover personal, professional and commercial risks. In respect to commercial liability, it protects business owners and operators from exposures such as liability arising from accidents resulting from the insured's premises or operations; products sold by the insured; operations completed by the insured, and contractual liability.GRACE PERIOD: Period of time after the due date of a premium during which the policy remains in full force without penalty.GROSS NEGLIGENCE: Willful and wanton misconduct.GROSS VEHICLE WEIGHT (GVW): The weight specified by a manufacturer for the maximum total loaded weight of a single vehicle.GROUP OF COMPANIES: Several insurance companies under common ownership and often common management.
HAZARD: A circumstance that increases the likelihood or probable severity of a loss. For example, the storing of explosives in a home basement is a hazard that increases the probability of an explosion.HEALTH MAINTENANCE ORGANIZATION (HMO): Managed care plans that provides healthcare services to their members through networks of doctors, hospitals, and other healthcare providers. HMOs cover a wide variety of services, usually at a lower cost than traditional health care plans.HOLD HARMLESS AGREEMENT: A contractual agreement that requires one contracting party to assume certain legal liabilities of the other party.HOMEOWNER'S POLICY: A policy in which Fire and extended or Broad coverage for dwelling and contents, residents' theft insurance, additional living expense, and personal liability insurance are combined.
IMPAIRED RISKS: In health insurance, individuals who can reasonably be expected to have an above-average number of claims due to medical history or physical impairment. Most impaired risks can be insured by use of a waiver or waiting period.INDEMNITY: Restoration to the victim of a loss by payment, repair or replacement.INDEPENDENT ADJUSTER: A claims adjuster who provides adjustment services to insurance companies for a fee but is not employed by them.INSURABILITY: The condition of the individual wishing to be insured, including his/her health, susceptibility to injury and life expectancy.INSURANCE POLICY: The printed form which serves as the contract between an insurer and an insured.INSURED: The person or organization covered by an insurance policy.INSURER: The insurance company. The party that provides insurance coverage, typically through a contract of insurance.IRREVOCABLE BENEFICIARY: A named beneficiary whose rights to life insurance policy proceeds are vested and cannot be canceled by the policy owner unless the beneficiary consents.
LAPSE: The termination or discontinuance of a policy due to non-payment of a premium.LIABILITY: Responsibility to another for one's negligence that results in injury or damage.LIABILITY INSURANCE: An auto insurance coverage that pays for injuries to the other party and damages to the other vehicle resulting from an accident the policyholder caused. It also pays if the accident was caused by someone covered by the policyholder's policy, including a driver operating the car with their permission.LIABILITY COVERAGE: Covers losses for which an insured is legally liable. For homeowners insurance, for example, liability coverage protects the policyholder against financial loss if they are sued and found legally responsible for someone else's injury or property damage.LICENSE – AGENT OR BROKER: Certification, issued by the department of insurance, that an individual is qualified to solicit insurance applications for the period covered.LICENSE – COMPANY: Certification, issued by the department of insurance, stating that an insurance company is qualified to do business in the state.LIFE EXPECTANCY: The average number of years a person is expected to live, based on a national average per age group and other factors.LIFE INSURANCE: Insurance coverage that pays out a set amount of money to specified beneficiaries upon the death of the individual who is insured.LIMIT OF LIABILITY: The most an insurance company agrees to pay in the case of a loss.LOSS: The amount an insurance company pays for damages under the terms of the policy.LOSS OF USE: A provision in homeowners and renters insurance policies that reimburses policyholders for the additional costs (housing, food, and other essentials) of having to live elsewhere while the home is being restored following a disaster.LOSS PAYEE/LIEN HOLDER: A person or entity with a legally secured insurable interest in another's property, usually a financial institution that loaned money to buy a car. The car is the loan collateral. If the auto is damaged in an accident, loss payments will be made to you and to the loss payee on your policy.LOSS PAYABLE CLAUSE: An insurance clause that authorizes loss payments to a person or entity having an insurable interest in the covered property.LOSS RATIO: Percentage of losses incurred against earned premiums for a given period.
MEDICAL PAYMENTS: Optional coverage under an auto policy to pay for medical expenses for bodily injury caused by an auto accident, regardless of fault. Coverage for persons other than the named insured and his or her family members is typically restricted to circumstances occurring while they are occupants of the insured auto.MINIMUM PREMIUM: The lowest amount of premium to be charged for providing a particular insurance coverage.MORTGAGE CLAUSE: Property insurance provisions granting protection for the mortgagee named in the policy. It establishes that loss to mortgaged property is payable to the insured and to the mortgagee named in the policy.MULTI-CAR DISCOUNT: A discount offered by some insurance companies for those with more than one vehicle insured on the same policy.MVR – MOTOR VEHICLE RECORD: A motor vehicle record contains information obtained from an individual's driver license application, abstracts of convictions and accidents.MORTGAGE INSURANCE: One of the basic uses of life insurance. Family heads buy mortgage insurance for the specific purpose of paying off any mortgage balance outstanding at their death.MULTIPLE LINE: A general term referring to fire and casualty insurance in general. A multiple line company writes auto, fire, health, commercial, boatowners, homeowners, individual fire, theft insurance.MUTUAL INSURANCE COMPANIES: Insurance companies without capital stock, owned by the policyholders for the purpose of sharing in the profits through dividends at the end of the policy year.
NAMED DRIVER EXCLUSION: An endorsement to an auto policy that provides that apolicy does not cover accidents when a specifically named person is the driver.NAMED INSURED: Any person, firm or corporation designated by name as the insured person(s) in a policy. Others may be protected by policy definition even though their names aren't on the policy, such as other drivers operating (with consent) the named insured's covered auto.NAMED PERILS COVERAGE: A property insurance term referring to exact causes of loss specifically listed as covered.NEGLIGENCE: The failure to use the care that a reasonable and prudent person would have used under the same or similar circumstances.NON-OWNED AUTOMOBILE: In commercial auto policies, coverage for autos that are used in connection with the named insured's business but are neither owned, leased, hired, rented or borrowed by the named insured. The term specifically applies to vehicles owned by employees and used for company business.NON-RENEWAL: a decision by an insurance company not to renew a policy.NONSTANDARD AUTO (HIGH RISK AUTO OR SUBSTANDARD AUTO): Insurance for motorists who have poor driving records or have been canceled or refused insurance. The premium is much higher than standard auto due to the additional risks.
OCCUPANCY: This refers to the use of property. A home, for example, may have a real estate office in it. This dwelling would then have a "business occupancy." Occupancy plays a very important part in computing rates and determining the acceptance or rejection of risks.OCCUPATIONAL HAZARD: The danger of suffering a sickness or injury due to the hazards of an occupation.OCCURRENCE: An event that results in an insured loss. In some lines of business, such as liability, an occurrence is distinguished from an accident in that the loss doesn't have to be sudden and fortuitous and can result from continuous or repeated exposure which results in bodily injury or property damage neither expected nor intended by the insured.OCCURRENCE COVERAGE: Occurrence coverage is insurance for incidents of liability alleged to have occurred during the term of the policy, no matter when the claim is reported.OMNIBUS CLAUSE: An automobile policy provision which covers persons driving the named insured's auto with the named insured's permission.ORIGINAL AGE: The age you were when you bought an insurance policy.OWNER: The person who can legally exercise all rights and privileges in the life policy. This will usually be the insured, but may be any other party to whom proper transfer of these rights and privileges has been made.
PAID-UP: This event occurs when a life insurance policy will not require any further premiums to keep the coverage in force.PAID-UP ADDITIONS: Additional amounts of life insurance purchased using dividends; these insurance amounts require no further premium payments.PARTIAL DISABILITY: An injury which prevents the insured from performing one or more, but not all, important duties of his job.PERIL: The cause of possible loss, such as fire, windstorm, theft, explosion, or riot.PERSISTENCY: A term used to refer to the length of time insurance remains continuously in force.PERSONAL AUTO POLICY (PAP): A policy insuring private-passenger autos owned by individuals.PERSONAL INJURY: A General Liability coverage for insurable offenses that cause harm, other than bodily injury, such as false arrest, detention or imprisonment, malicious prosecution, wrongful eviction, slander, libel and invasion of privacy.PERSONAL INJURY PROTECTION (PIP): An automobile insurance coverage mandated by law in some states. The statues typically require insurers to provide or offerto provide first-party benefits for medical expenses, loss of income, funeral expenses and similar expenses without regard to fault.PERSONAL PROPERTY: This type of property is usually movable and easily transportable. On the other hand, real property generally is considered to be immovable such as land and things affixed to it. A rule of thumb definition for personal property is "everything other than real property."PHYSICAL HAZARD: This refers to the material, structural or operational features of the risk itself, apart from the persons owning or managing it. Electrical wiring, building construction, type of heating system, are examples of physical hazards.POLICIES-IN-FORCE: Policies written and recorded on the books of the carrier which are unexpired as of a given date.POLICY: The name generally used to mean the written contract of insurance.POLICY FEE: An amount charged by some companies in addition to the first regular premium. Also called "joiner's fee."POLICYHOLDER: One who owns an insurance policy. A mortgagee often is issued a copy of an insurance policy, or a certificate of insurance, at the request of the insured, but he is not a policyholder.POLICY LOAN (LIFE): A loan made by an insurance company to a policyholder on the security of the cash value of his policy.POLICY PERIOD: The period a policy is in force, from the beginning or effective date to the expiration date.PREFERRED RISK: A positive characteristic of someone seeking to be insured. Usually means a better likelihood for long life, and usually means a lower premium.PREMISES: The location where coverage applies.PRE-EXISTING CONDITION: A physical condition which existed prior to the issuance of a health policy.PREMIUM: The amount paid by an insured to an insurance company to obtain or maintain an insurance policy.PREMIUMS-IN-FORCE: Premium dollars which have been written and are unexpired on the books of the insurance carrier.PREMIUM EARNED: The amount of the premium, paid for in advance, that has been" earned" by virtue of the fact that time has passed without a claim. PREMIUM UNEARNED: The portion of an insurance premium which applies to the unexpired portion of the policy period. PRIMARY BENEFICIARY: In life insurance, the beneficiary designated by the insured as the first to receive policy benefits.PRIMARY POLICY: The insurance policy that pays first when you have a loss that is covered by more than one policy.PROCEEDS: The net amount of money payable by the company at the death of an insured or at the maturity of a policy.PROPERTY DAMAGE COVERAGE: An agreement by an insurance carrier to protect an insured against legal liability for damage by his automobile to the property of another.PROPERTY DAMAGE: In the general liability policy, a physical injury to property, resulting in the loss of use.PROPERTY INSURANCE: First-party insurance for real and personal property against physical loss or damage.PRO RATA CANCELLATION: The cancellation of an insurance policy with the return premium being the full proportion of premium for the unexpired term of the policy, without penalty for early cancellation.PROVISIONS: Details of an insurance policy which explain the benefits, conditions and other features of the insurance contract.PROXIMATE CAUSE: The dominating cause of loss or damage; an unbroken chain of events between the occurrence of an insured peril and damage to property. As an illustration, water damage occurring from fire fighting activities is covered under the fire policy because fire was the proximate cause of the loss.
SCHEDULE: A list describing the property or items insured under the policy.SECONDARY BENEFICIARY: An alternate beneficiary designated to receive payment, usually in the event the original beneficiary predeceases the insured.SHORT TERM CANCELLATION: Cancellation of an insurance policy prior to the expiration date in which a penalty in the form of a less than full pro-rata premium refund is allowed.SINGLE INTEREST INSURANCE: Insurance coverage for only one of the part ie shaving an insurable interest in that property. For instance, if a policy holder still owes money on his mortgage, and he does not have homeowners insurance, the lender may take out a single interest insurance policy to protect its own interest in the property. Single interest insurance protects only the policy owner, not the homeowner.SPECIAL CLASS: Policies on which an extra premium rate is charged because an extra risk is presented.STANDARD PROVISIONS: Policy provisions required by law or supervisory regulation –such as provisions relating to grace period and incontestability.STANDARD RISK: A person who, according to a life insurance company's underwriting standards, is entitled to insurance protection without extra rating or special restrictions.STOCK COMPANY: A company organized and owned by stockholders, as distinguished from the mutual form of company which is owned by its policyholders.SUBROGATION: Assignment of rights of recovery from insured.SUBSTANDARD RISK: A person who is considered an under-average or impaired insurance risk because of his physical condition, family or personal history of disease, occupation, residence in unhealthy climate, or dangerous habits.SURCHARGE: An extra charge added to a premium by an insurance company. For automobile insurance, a surcharge is usually added if a policyholder borrows money on the policy or if the policy lapses for non-payment.SURRENDER CHARGES: Charges that are deducted if a life insurance policy or annuity is cashed in (surrendered). These charges also are deducted if the policyholder borrows money on the policy or if the policy lapses for non-payment.
TERM: The length of time for which a policy or bond is in force.TERMINATION: The recording of a cancellation of an insurance policy.TERM INSURANCE: Life or health insurance protection during a limited number of years but expiring without value if the insured survives the stated period.THIRD PARTY CLAIM: A claim filed against another person's insurance policy.TORT: A private wrong or harm (other than a breach of contract) committed against another, resulting in legal liability. A tort is either intentional or accidental (negligent). Automobile liability insurance is purchased to protect one from suits arising from unintentional torts.TOTAL DISABILITY: Disability which prevents a person from performing (a) any of his occupational duties, or (b) any duties of any occupation, or ( c) any duties for which he is reasonably qualified. Definitions vary within policies.TOTAL LOSS: A loss of sufficient size about which it can be said there is no value left. The complete destruction of the property. The term also is used to mean a loss requiring the maximum amount a policy will pay.TOWING AND LABOR COVERAGE: Auto insurance coverage that pays for towing charges when a car can't be driven. Also pays labor charges, such as changing a flat tire, at the place where the car broke down.
UNDERLYING COVERAGE: The insurance or coverage in place on the same risk that will respond to loss before the excess policy is called on to pay any portion of the claim.UNDERWRITER: The person trained in evaluating risks, deciding whether to accept or reject an application for a policy, and determining rates and coverages for risks.UNINSURED MOTORIST COVERAGE: Protects the insured against financial loss resulting from bodily injury carelessly inflicted by an uninsured motorist, including a hit and run driver, who is legally liable. Bodily Injury Benefit.UNEARNED PREMIUM: The amount of a pre-paid premium that has not yet been used to buy coverage. For instance, if a policyholder paid in advance for a six-month premium, but then cancels the policy after two months, the company must refund the remaining four months of "unearned" premium.UNINSURED/UNDERINSURED MOTORIST (UM/UIM) COVERAGE: Auto insurance coverage that pays for the policyholder's injuries and, in some states, property damage caused by a hit-and-run driver or a motorist without liability insurance. It will also pay when medical and car repair bills are higher than the other driver's liability coverage.UNIVERSAL LIFE INSURANCE: An interest-sensitive life insurance policy with flexible, adjustable premium payments, that builds cash values.UNREPORTED CLAIMS: Accidents which have occurred but which have not been reported or recorded.UMBRELLA POLICY: Coverage for losses above the limit of an underlying policy or policies such as homeowners and auto insurance.USAGE: Refers to the primary function or purpose in which you intend to operate your vehicle. For example, if you primarily drive your car to and from work, the usage is considered "commute"; if you are self-employed and you primarily drive to see customers, the usage is considered "business."USUAL AND CUSTOMARY FEES: Charges for medical services that refer to the amount approved by the carrier for payment. These charges may be based on rates usually charged by physicians and providers in your area; rate averages compiled by independent rating services; or rate averages compiled by the insurance company.
VACANCY PROVISION: Property insurance provision found in commercial property policies that restrict coverage in connection with buildings that have been vacant for a specified number of days, usually 60 days.VARIABLE ANNUITY: A form of annuity policy under which the amount of each benefit payment is not guaranteed or specified in the policy, but which instead fluctuates according to the earnings of a separate account fund.VARIABLE LIFE INSURANCE: A form of life insurance whose face value fluctuates depending upon the value of the dollar, securities or other equity products supporting the policy at the time payment is due.VIN (VEHICLE IDENTIFICATION NUMBER): A 17-digit alpha-numeric code that provides valuable information concerning the vehicle's serial number, make, model, options, and year in official records (like a Social Security number for your car).VIATOR: A terminally with a life-threatening or terminal illness who sells his or her life insurance policy.
WHOLE LIFE INSURANCE: A plan of insurance that offers protection for a person's "whole life." and which pays a benefit upon the person's death.WORKER'S COMPENSATION: A system (established under state law) which provides payments to employees who are injured in the course of employment, irrespective of fault.


text:
Content Highlight of the Week: Chipotle Animoil
Our content highlight this week is a herald for something much bigger and more sinister. A vision of the near future: perverted by the Machiavellian and morally bankrupt masters of agriculture on the board of Animoil.
Spurred on by the success of its earlier forays into content (the short film Scarecrow received nearly 12 million YouTube views), Chipotle has created Animoil as a symbol of agricultural malaise and is due to launch a four-part comedy mini series around its terrible experiments and generally wicked ways on Hulu on 17th Feb. This two-minute trailer is glossy, watchable and raises a smile but for some around the office it felt quite self-contained and lacked a meaty enough hook to lure them back for more.
Red Bee Media
© Red Bee Media 2021
Red Bee is part of Ericsson, a world-leading provider of communications technology and services.
As telecoms, IT and media converge, Ericsson offers innovative services to enable content owners, broadcasters, TV service providers and network operators to succeed in a new, connected era of television.

redpajama_set_name: RedPajamaCommonCrawl


HIGH TRAFFIC COMMERCIAL LOT - Has Santa Fe Drive as primary frontage, Eureka Street frontage on 2 sides, Foster Lane on another. Medical Offices abound in the area. Traffic count in excess of 13,000 per the City of Weatherford. Buyer to verify potential access to any of the frontage streets.
Exit 409 on I-20. Proceed 4 miles on Santa Fe to Eureka St. Lot immediately to the left.


Ally Scraps: Scraplift Chain and a new sketch challenge!
We've been having a blast on the forum with a new game: a scraplift chain! This round is just wrapping up, but I'm sure we'll do this again in the future. You can check out this thread to see the great completed lifts!
For my page, I lifted Trish's we're tongue rolling. My page, those magical eyes features the fun new Dream Street Fun & Games collection, definitely one of my faves from them! Also the new glitter chipboard Thickers by American Crafts.
I used a piece of Kelly Panacci chipboard from the 360 collection also, stamped on it, and then added some diamond glaze on top. I love the effect!
See how pretty those glittery Thickers are?
I would love to see what you do with the sketch, and don't forget to post your page in the Sketch Challenge thread for a chance to win a $10 gift certificate to the store!


Hello! I've been saving this post for the warmer weather because who could get away with wearing a velvet suit last week? It was bloody freezing! Now the temperature is rising and with spring is just around the corner, I couldn't be more excited for the new season.
I realise my outfit is practically made up of Mango and Zara (who quite frankly are killing it at the moment). I can't stop myself from stalking Mango's New In page every day, subtly dropping things into my basket and letting them sit there a while until I've decided and justified why I need such item in my wardrobe!


text:
By Kassie Gadeke
CAMS representative Michael Masi will step up as V8 Supercars race director at the Perth SuperSprint this weekend.
Masi covers long-time director Tim Schenken who heads overseas for a number of FIA activities and a function for former Ferrari drivers, after racing as a factory sports car driver for the mega brand.
Currently fulfilling the race director role for the V8 Supercars Dunlop Series, Masi (pictured left below) will take control of both categories at Barbagallo Raceway.
The race director oversees the competition and maintains order, ensures everything runs to FIA standards and works with the officials, clark of course and teams to ensure control of V8 Supercars activity, including race start, safety car procedure and working with the stewards.
Masi took over the race director role for the Dunlop Series for the start of the 2015 season but has performed a variety of roles behind the scenes over the years, including the race control operations role for three seasons.
"It's a fantastic opportunity," Masi told v8supercars.com.
"I obviously thank Tim, in a way, to have enough faith in me to give me the opportunity. That's probably the big part … they're very big shoes to fill!"
Masi is looking forward to taking on the role and will be a busy man over the weekend, controlling both the V8 Supercars Championship and Dunlop Series, which mostly run back-to-back across the three days.
Russell returns with Nissan Motorsport
Get to Know: Brad Jones
Fans are the winners
Cell date
The Enforcer joins Nissan Motorsport
2016 Perth SuperSprint	›


Nuremberg is an ancient city in Germany that has gained fame for its rich cultural legacy, which can be seen in every corner of the city. It is the 14th largest city in the country and has been under the influence of the medieval culture. Known for its Christmas markets, the city is always surrounded with tourists throughout the year. The ancient Roman culture also has some traits in the civilization of this city that will make you spellbound. To know more about this amazing city, a visit to its major attractions is a must.
Nuremberg Castle, Germanisches Nationalmuseum, Albrecht Dürer's House, St. Sebaldus Church, St. Lorenz, Nuremberg Zoo, Nuremberg Toy Museum, Frauenkirche, St. Rochus Cemetery, Fleisch Bridge, Hauptmarkt, etc. are the popular spots that shall be explored while being here. So, book a cheap flight to Nuremberg today to delve into its hidden vistas.


How old are my motorhome tyres?
Understanding the age of your motorhome tyres is important because even if the vehicle has not covered a lot of touring miles and the tyres don't look worn, they could still have deteriorated. Like all tyres, motorhome tyres will perish with age and can become distorted if they are under-inflated. For these reasons etyres and insurance companies recommend that motorhome tyres should be replaced before they are five years old.
The date a tyre was manufactured is shown on the sidewall markings of all motorhome tyres as part of the DOT (U.S. Department of Transport) code, which can be found close to the wheel rim.
An example code is DOT A87C DEF 0814.
A small number of tyres may not have a DOT code but in these cases the date the tyre was manufactured may still be shown elsewhere on the tyre. For example, 4214 would be the 42nd week of 2014.
If you find that your motorhome tyres need replacing you can order new tyres online by entering your tyre size into the search tool above. Alternatively, our National Sales Team can offer advice and is available on 0800 028 9000.


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Q: Can't set proper WooCommerce language translation I've set Wordpress' language to my language (General -> Site Language) and downloaded latest translations for WooCommerce and uploaded it via FTP but I still see untranslated strings on webpage. What am I doing wrong?
I'm using WP v4.6.1 and WC v2.6.6.
Here I selected WP language (not sure why  woocommerce-sl_SI is listed but after selecting the translations were still not there) :

Here are translations uploaded to server:

A: After installing WordPress version 4.6.1 and WooCommerce version 2.6.6, both with the default enabled language, English (United States), I followed the steps below and had the translation successfully installed and working:

*

*Set a language for your WordPress installation

*

*Click on the General sub-menu item under Settings from the Dashboard of your WordPress installation, and scroll down to the last edit option available: Site Language;

*there, select your desired language, here: Slovenščina, then, click on the "Save Changes" button in order to effect your modification.

At this stage, though the language base of your WordPress installation has been updated, you will realise that your WooCommerce pages will still be displayed in it's default initial installation language: English (United States).

*Now, hover on your Dashboard menu item and click on the Update Core (both now displayed in your newly defined WordPress installation language).
You should already see there a notification about a number of updates available; our focus here is on the available translation updates.

*

*Scroll down the page and click on the "Update Translations" button under the Translations section (all still in your newly defined WordPress installation language) in order to update the language definition for readily modifiable WordPress packages, which includes WooCommerce.

After a successful update, you may now click on the WooCommerce menu; everything should be automatically available in your newly defined WordPress installation language (except untranslated strings).

Should you chose to update your WooCommerce language over FTP, do make sure you upload your .mo and .po files to the plugins directory under wp-content/languages so as to make them readily accessible for use; NOT immediately under the wp-content/languages as shown on your attached screenshot: that accounts for the wrong listing of woocommerce-sl_SI as an installed Core WordPress translations (refer to your first screenshot above; Site Language dropdown list).
Uploading both .mo and .po files to your wp-content/plugins/woocommerce/i18n/languages instead of the later directory as specified above will equally work.
Please note: the default installation language will be used for your WooCommerce installation instance should there be no corresponding language set .mo and .po files matching your WordPress installation language; either: WordPress is sl_SI, WooCommerce should equally be sl_SI.

redpajama_set_name: RedPajamaStackExchange