Problem Solver: Royal Caribbean cruise insurance offers little to ...

People need to read the fine print when purchasing cruise insurance. If something goes wrong, you don?t also want it to go wrong with your coverage.

?If your plans go awry and you cancel or interrupt your cruise vacation (for specified reasons) Royal Caribbean will waive the non-refundable cancellation provision of your cruise ticket contract and pay you IN CASH the value of the unused portion of your prepaid cruise vacation,? reads the cruise lines website entry on CruiseCare.

As a couple I wrote about in a recent column?found the ?specified reasons? for a cash refund?are limited to: Sickness and death; a car accident on the way to the trip; your home made uninhabitable by a natural disaster; if you?re called to active duty to help at a natural disaster; and a subpoena or being called to jury duty.

Be sure that the insurance does cover what you think it covers before purchasing.

Follow @ProblemSolverKF on Twitter and the DMN Investigates page on?Facebook. Read the Problem Solver archives at?www.dallasnews.com/investigations/problem-solver/.

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This entry was posted in Problem Solver and tagged Alaska, cruise, cruise insurance CruiseCare, documentation, Forney, Katie Fairbank, passport, problem solver, roundup, Royal Caribbean by Katie Fairbank/Reporter. Bookmark the permalink.

Source: http://watchdogblog.dallasnews.com/2013/02/problem-solver-royal-caribbean-cruise-insurance-offers-little-to-couple.html/

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Phobos Academy for the kids with phobias is a wonderful place. It's far out on the ocean. With wonderful staff and students where we help them overcome there phobias and live life like any normal student!

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This topic is an Out Of Character part of the roleplay, ?Phobos Academy?. Anything posted here will also show up there.

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Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.

This is where we all talk about what we want to happen in the rp. Any events you have in mind or clubs you wanna form talk about it here orrr go on a whim and make one and yeah.

In darkest night's when your afraid. Scared and frightened with no blade.
Close your eyes and il be there. To light the night and open air.
So hold me close and I won't fail. And through this night we shall prevail.

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Legal Counsel - Construction, North London, ?80K+

An engineering and construction company with a stimulating range of international work requires a construction specialist. As part of a supportive team, the role covers a fascinating range of work in the UK, Europe and further afield. Applicants must be UK qualified and have at least 5 years PQE gained in a mixture of contentious and non-contentious construction law.

For further details, please contact Iain in our London Office on + 44 207 324 6159 or send your CV and covering email to iain@jlegal.com

To view a list of other current job opportunities, please visit www.jlegal.com or follow us on Twitter - JLegalGlobal

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Jlegal is a global legal recruitment consultancy which is focused solely on providing recruitment solutions to the legal profession.

Source: http://www.legalweekjobs.com/job/1013582/legal-counsel-construction-north-london-80k-/?deviceType=Desktop&TrackID=1

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PayPal offers preview of much-needed site redesign, finally enters Web 2.0

While PayPal's recently revamped homepage looks fresh and modern, the actual account interface is still mired in the past, seemingly unchanged since the early aughts when the company first hit it big alongside Ugg boots and American Idol. As the online payment giant seeks to reinvent itself however, it's finally bringing the site design into the future. PayPal has offered a sneak peek at the new look, and it's certainly more in line with current design tropes, with a cleaner and clearer aesthetic and improved navigation to boot. The refreshed design also hints at the company's upcoming retail efforts like in-store checkouts and purchasing grace periods where you can buy the item at the store, bring it home and then decide where the funds should come from. We're still not sure when the redesign will roll out, but we're guessing it'll be around when those Discover Network cards come into play. For more screenshots of the new PayPal, take the design tour at the source.

Filed under: Internet

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Via: The Next Web

Source: PayPal

Source: http://www.engadget.com/2013/02/08/paypal-site-redesign/

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Simon Property results easily beat Wall Street views again

(Reuters) - Simon Property Group Inc reported a 21.9 percent increase in a key earnings measure for the fourth quarter, easily beating analysts' estimates, as rents and sales rose at its malls and outlet centers.

The No. 1 U.S. mall and outlet center owner also raised its dividend on Monday for the sixth straight quarter.

"They just continue to defy gravity," said Uniplan Investment Counsel President Richard Imperiale, whose fund owns Simon shares. "When you think they're going to flatten out just because there's no more room on the upside, they continue to churn out good operating results."

Simon is the first large mall operator to report results for the fourth quarter, when holiday shopping was less than stellar.

The only real estate company in the Standard & Poor's 100 index <.spx>, Simon owns or has an interest in 328 retail properties in North America and Asia.

Simon said fourth-quarter funds from operations had increased to $827.4 million, or $2.29 per share, from $678.9 million, or $1.91 per share, a year earlier.

Analysts on average had expected FFO of $2.17 a share, according to Thomson Reuters I/B/E/S.

Expense reduction helped Simon exceed Wall Street estimates, Imperiale said.

For about the past two years, the company has repeatedly beaten analysts' forecasts. On Monday, its shares rose 70 cents to $162.68. Meanwhile, the S&P 500 <.spx> was down 1 percent and the benchmark REIT index, the MSCI US <.rmz>, fell 0.3 percent.

FFO, a performance measure for real estate investment trusts, usually excludes gains or losses from property sales and removes the effect that depreciation has on earnings.

Simon's fourth-quarter revenue rose to $1.34 billion from $1.17 billion, while analysts were expecting $1.30 billion.

HIGHER DIVIDEND

As a real estate investment trust, Simon is required to pay out at least 90 percent of its taxable income to shareholders in exchange for being exempt from most corporate-level income tax. That has prompted Simon to keep raising its dividend.

The company raised its quarterly dividend to $1.15 per share from $1.10. The dividend is payable February 28 to shareholders of record on February 14.

"We did have a really, really good year," Chairman and Chief Executive Officer David Simon said on a conference call with analysts. "We worked our a-- off in '12 to deliver that. We had a lot of moving pieces as we always do. We did a lot of deals. Hopefully, the fruits of those investments did show to some extent in '12. But they'll show more importantly in '13 and '14."

Simon forecast full-year 2013 FFO, excluding one-time items, at $8.40 to $8.50 per share. Analysts expect $8.41 per share for the year, according to Thomson Reuters I/B/E/S.

The company's forecasts tend to be conservative, and Simon often raises them each quarter.

Simon's portfolio includes some of the most popular U.S. malls, including Roosevelt Field Mall and Woodbury Common Premium Outlets in New York, the Forum Shops at Caesars Palace in Las Vegas, and Lenox Square Mall in Atlanta.

The company has outlet centers in Canada, Malaysia, Japan, South Korea and in Europe. It is redeveloping or expanding about two dozen properties in the United States and two in Japan. It also has five of its Premium Outlet brand centers under construction - two in the United States - and plans to break ground on a new one in Montreal in the next quarter.

Simon plans to spend about $5 billion on development and redevelopment over the next three or four years, David Simon said.

Last year, Simon also bought a 28.7 stake in Klepierre SA , Europe's second-largest retail real estate owner, and has three seats on the French company's board. David Simon is chairman.

In the fourth quarter, sales, rent and occupancy all increased. Sales at tenants' stores at Simon's U.S. core portfolio malls and outlet centers rose 6.6 percent on a trailing 12-month basis to $568 per square foot.

Stronger sales attract tenants and eventually lead to higher rents. Also, landlords take a share of tenants' sales.

Occupancy at Simon's malls and outlet centers rose to 95.3 percent from 94.6 percent a year earlier, and the company was able to push up average base rent 3.4 percent to $40.73 per square foot.

(Reporting By Ilaina Jonas; Editing by Gerald E. McCormick, Lisa Von Ahn and Nick Zieminski)

Source: http://news.yahoo.com/simon-property-group-fourth-quarter-ffo-rises-121513118--sector.html

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5 Favorites: The Benefits of Investing in Good Design : Remodelista

Whether you are embarking on a minor remodel or building a new house, investing in good design is paramount. We know from experience (at Remodelista, we've completed more than a dozen projects among us) that consulting an expert in the field of architecture or interior design will save you time, money, energy, and will even introduce you to a world of new ideas.

Each of these five architects below offer a compelling reason to invest wisely; the homes they have created marry personality and function and will endure for the long haul.

This post is sponsored by Scotiabank: "Ask us for a free review of your retirement savings." Click here to learn more and find a branch.

Above: The principal behind Front Studio Architects is to design flexible spaces that offer clients room to evolve. With offices in New York and Pittsburgh, the firm is experienced in urban design, maximizing smaller dwellings. For this New York City apartment, the main focus is on the bright kitchen, where the designers included white lacquer cabinets and replaced the windows to create a spacious and light-filled home. Photo by Maggie Soladay.

Above: Commute Home is a shop and design studio based in Toronto that creates custom pieces and environments for retail, restaurant, and residential spaces. The designers cater toward a raw, industrial aesthetic mixed with modern accents. For Madras Pantry, a restaurant in Toronto, they kept the integrity of the building's original features, such as the brick wall, and incorporated streamlined furniture. The result is an inviting dining space that exudes warmth and character.

Above: Located in Long Island, Bates Masi + Architects has built a portfolio of finely detailed beach side, rural and urban houses throughout the United States and beyond that respond to the environment and needs of the clients. Principals Harry Bates and Paul Masi take a hands-on approach with each project, working to design homes that capture a true sense of place. Situated atop one of the highest elevations in Montauk, New York, this home illustrates their ability to build a continual landscape of house and home. Throughout each room, including this bath, there are ample views of the land. Photo by Michael Moran.

Above: While a home needs to be functional, it also needs to exude the essence of those who live there. This is the goal of Curated. co-founders Delta Wright and Elena Frampton. Based in New York and Los Angeles, the interior design team creates "artful, unique" spaces that take on the style of the client while also lending a well-composed structure that has longevity. For this loft in Venice Beach, California, they complemented the existing red architectural steel with cool tones and various textures and patterns. Photo by Joshua McHugh.

Above: San Francisco-based architect Nick Noyes has lived around the world and taught various architectural classes, thus giving him a collective design wisdom. Known for creating within tight budgets, he and his team at Nick Noyes Architecture build homes that marry the clients' visions with sustainability. For this Northern California home, Noyes incorporated yellow pine from the client's family lumber mill to build the walls and flooring. Photo by Cesar Rubio.

This post is sponsored by Scotiabank: "Ask us for a free review of your retirement savings." Click here to learn more and find a branch.

Source: http://remodelista.com/posts/5-favorites-the-benefits-of-investing-in-good-design

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Obamacare &#39;Glitch&#39; Allows Some Families To Be Priced Out Of ...

WASHINGTON -- Some families could get priced out of health insurance due to what's being called a glitch in President Barack Obama's overhaul law. IRS regulations issued Wednesday failed to fix the problem as liberal backers of the president's plan had hoped.

As a result, some families that can't afford the employer coverage that they are offered on the job will not be able to get financial assistance from the government to buy private health insurance on their own. How many people will be affected is unclear.

The Obama administration says its hands were tied by the way Congress wrote the law. Officials said the administration tried to mitigate the impact. Families that can't get coverage because of the glitch will not face a tax penalty for remaining uninsured, the IRS rules said.

"This is a very significant problem, and we have urged that it be fixed," said Ron Pollack, executive director of Families USA, an advocacy group that supported the overhaul from its early days. "It is clear that the only way this can be fixed is through legislation and not the regulatory process."

But there's not much hope for an immediate fix from Congress, since the House is controlled by Republicans who would still like to see the whole law repealed.

The affordability glitch is one of a series of problems coming into sharper focus as the law moves to full implementation.

Starting Oct. 1, many middle-class uninsured will be able to sign up for government-subsidized private coverage through new health care marketplaces known as exchanges. Coverage will be effective Jan. 1. Low-income people will be steered to expanded safety-net programs. At the same time, virtually all Americans will be required to carry health insurance, either through an employer, a government program, or by buying their own plan.

Bruce Lesley, president of First Focus, an advocacy group for children, cited estimates that close to 500,000 children could remain uninsured because of the glitch. "The children's community is disappointed by the administration's decision to deny access to coverage for children based on a bogus definition of affordability," Lesley said in a statement.

The problem seems to be the way the law defined affordable.

Congress said affordable coverage can't cost more than 9.5 percent of family income. People with coverage the law considers affordable cannot get subsidies to go into the new insurance markets. The purpose of that restriction was to prevent a stampede away from employer coverage.

Congress went on to say that what counts as affordable is keyed to the cost of self-only coverage offered to an individual worker, not his or her family. A typical workplace plan costs about $5,600 for an individual worker. But the cost of family coverage is nearly three times higher, about $15,700, according to the Kaiser Family Foundation.

So if the employer isn't willing to chip in for family premiums ? as most big companies already do ? some families will be out of luck. They may not be able to afford the full premium on their own, and they'd be locked out of the subsidies in the health care overhaul law.

Employers are relieved that the Obama administration didn't try to put the cost of providing family coverage on them.

"They are bound by the law and cannot extend further than what the law provides," said Neil Trautwein, a vice president of the National Retail Federation.

Also on HuffPost:

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Source: http://www.huffingtonpost.com/2013/01/30/obamacare-glitch-priced-out-of-health-care_n_2585695.html

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