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Beauty :: Advice on Removing Stretch Marks (Page 1 of 2)

Thousands of females look for data on how to dissolve stretch marks. They are unattractive, embarrassing, and they alter your self esteem.

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Moisturizers and cocoa butter temporarily add moisture but they are not useful in diffusing or avoiding stretch marks. The treatment of stretch marks relies heavily on dissolving scar tissue and remodeling collagen and elastin components in the skin. Cocoa butter sounds useful and rather but it does not dissolve stretch marks or trigger skin collagen or elastin improvement.

Natural Procedures to Clear away Stretch Marks

There is no require to shed all hope. You no not will need to contact a medical doctor or routine surgery to get rid of stretch marks. You can now pace up the natural remodeling approach of your own skin and need to outdated, dying cells and scars and allow new, healthier ones emerge to give the skin a far more vibrant visual appeal with a biological skin care ingredient. It assists naturally take away stretch marks from the inside with no harsh side results.



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Auto insurers play hardball in minor-crash claims

Story Highlightso State Farm, Allstate employ consultant's strategy, CNN research finds

o Theme of strategy is "deny, delay, defend," former employee says

o Companies convince juries that claims are fraudulent

o Insurers, institute deny treating claimants unfairly

By Drew Griffin and Kathleen Johnston

CNN

Adjust font size:

ATLANTA, Georgia (CNN) -- If you are injured in a minor car crash, chances are good that you will be in the fight of your life to get the insurance company to pay all the medical costs you incur -- even if the accident was no fault of your own.

That's what CNN discovered in an 18-month investigation into minor-impact soft-tissue injury crashes around the country. Those are accidents in which there is little damage to the vehicle and the injuries to people are not easy to see by the naked eye or conventional medical tools like X-rays.

Since the mid-1990s, most of the major insurance companies -- led by the two largest, Allstate and State Farm -- have adopted a tough take-it-or-leave-it strategy when dealing with such cases.

The result has been billions in profits for insurance companies and little, if anything, for the public, according to University of Nevada insurance law professor Jeff Stempel.

"We can see that policyholders individually are getting hurt by being dragged through the court on fender-bender claims, and yet we don't see any collateral benefit in the form of reduced premiums even for the other policyholders," Stempel said.

"So I think now we can say to continue this kind of program is in my view institutionalized bad faith."

If you have never heard of the strategy, it's because insurance companies don't want you to know that they are paying out less and less for minor crashes even while their profits soar and your premiums continue to rise.

But after a review of more than 6,000 company documents and court records, interviews with a dozen people nationwide, including former company insiders, and conversations with accident victims, the picture is clear: If you challenge the offer by some insurance companies you will be left with no option but to go to court, where you will be dragged through the wringer.

Expensive, time-consuming

In an affidavit in a New Mexico case where Allstate is being sued, one of the company's former attorneys said the strategy is to make fighting the company "so expensive and so time-consuming that lawyers would start refusing to help clients."

Shannon Kmatz, a police officer and former Allstate claims agent, said company employees were encouraged to get rid of claims quickly and cheaply and even offered accident victims as little as $50, telling them to take it or leave it.

Both Roxanne Martinez of Santa Fe, New Mexico, and Ann Taylor of West Lafayette, Indiana, saw the practice firsthand.

Martinez suffered neck and back injuries when she was sideswiped by a driver insured by Allstate.

After three years, the company finally offered her $15,000 -- a little more than half of what she needed for lost wages and medical bills.

She went to court, and four years after the accident a jury awarded her $167,000 plus interest.

"It's kind of hard when you are thinking they are going to leave you broke. ... That was very stressful," she said.

Taylor was not as fortunate when her case went to trial.

The Indiana nurse was rear-ended by a State Farm employee driving a State Farm car. Damage to her car was minimal but she suffered herniated disc and muscle tears.

Taylor racked up medical bills and lost wages amounting to about $15,000. The company offered her $2,000.

"I was just very insulted," she said.

She sued, but three years later a jury came back with a judgment for her of only $1,500.

The jury didn't believe she could be hurt in an accident in which the vehicle had barely a dent.

Three jurors told CNN photos of the two cars involved in the accident -- enlarged and prominently displayed by the defense -- played a huge role in their decision.

And one said they assumed Taylor had already been compensated by the insurance company and was just trying to get more money.

Profitable strategy

The cases, CNN found, illustrate a carefully developed strategy to make the victims look like they are trying to defraud the insurers.

But documents CNN obtained indicate profit, not fraud, is the reason companies decided to play hardball in small accidents.

For Allstate and State Farm, according to documents obtained by CNN, the strategy was developed in the mid-1990s with the assistance of consulting giant McKinsey & Co.

Looking for a way to boost profits, McKinsey focused on soft-tissue injuries incurred in minor crashes.

While the McKinsey documents -- numbered in the thousands -- are under seal in courts around the country, CNN saw several of them during a court hearing in Lexington, Kentucky.

Playing off Allstate's signature slogan, one document recommends the insurer put boxing gloves on its "good hands" for those who insist on going to court.

The strategy, according to former Allstate and State Farm employee Jim Mathis, relies on the three D's -- denying a claim, delaying settlement of the claim and defending against the claim in court.

"The profits are good, and as long as the community, the public allows this to occur, the insurance companies will get richer and people ... will not get a fair and reasonable settlement," Mathis said.

Both Allstate and State Farm declined requests for interviews.

In an e-mail, Allstate wrote it did not believe it would "have any real opportunity of being successful in getting you (CNN) to do a balanced report."

State Farm wrote: "We take customer service seriously and seek to pay what we owe, promptly, courteously and efficiently, and we handle each claim on its own merits."

The company also said, "Any attempt to generalize that State Farm adopted consultant recommendations as other insurers is just plain wrong."

A company spokesman sent an additional e-mail, saying that the company did work with McKinsey to improve claims handling but State Farm stopped using the McKinsey program in 1999.

Robert Hartwig, president of the Insurance Information Institute, told CNN insurers do not have a strategy of blanket denial of claims. He also said strategies to limit expenditures on minor-impact crashes are needed to fight fraud.

Hartwig specifically singled out lawyers who he claims make a living on car accident victims, saying those lawyers are upset because "the gravy train is over."

Cakewalk Develops Custom Software to Support Roland USB Digital Studio U-8; Roland to Distribute Special Edition of Home Studio 9 with the U-8 in North America.

Enterprise/Technologies Editors

LOS ANGELES--(Enterprise WIRE)--Feb. three, 2000

Cakewalk, the leading supplier of music and sound software, nowadays announced an agreement with Roland ED Corporation to contain a special edition of Cakewalk Property Studio 9 multitrack digital audio custom software development san francisco and MIDI application with the Roland ED USB Digital Studio U-8. The Roland U-eight is a new audio and MIDI interface that also gives the consumer with an eight-track digital recording/mixing handle surface and developed-in audio DSP results. The U-eight manage surface also permits the consumer to navigate and decide on all of House Studio 9's menu commands without having ever touching the Pc mouse. The All-in-one studio hardware simplifies set up by connecting to a personal computer via its USB port.

&uotRoland is extremely pleased to be bundling a specific edition of Cakewalk Property Studio 9 with the U-8 in North America,&uot explained Naohisa Imazawa, producer, DTM Venture Division, Roland Corp. &uotThe complete integration among Cakewalk's software package and Roland's hardware represents the up coming revolution in pc-primarily based recording, editing and mixing. The U-eight premium bundle also includes effective GM2/GS MIDI application synthesizer, so anything you need is in 1 U-8 box.&uot

&uotHome Studio 9 computer software already provides integrated digital audio and MIDI recording, so combining it with the Roland U-eight is the best answer,&uot added Ron Kuper, chief engineering officer, Cakewalk. &uotWe've enhanced Property Studio 9 to function seamlessly with the Roland U-eight. Combined, the consumer gets multitrack recording and mixing software program, an integrated audio and MIDI interface, DSP-primarily based results processing, and a highly effective hardware manage surface all in one package.&uot

Household Studio 9 delivers eight tracks of stereo or mono digital audio and up to 256 MIDI tracks. Other attributes include WavePipe(TM) technologies for very low-latency audio mixing and playback authentic-time audio and MIDI effects processing support for DirectX audio plug-ins non-linear multitrack editing audio waveform editing with volume and pan automation graphical MIDI note editing integrated notation printing and a trial-version of the patented Fraunhofer MP3 encoder for delivering music and sound on the Internet. Customers of the U-8 edition of Household Studio 9 can also upgrade to Cakewalk Pro Audio 9 software package at any time, immediately by Cakewalk.

Studio Automation with StudioWare(TM) Technologies



This specific edition of Residence Studio 9 &uottalks&uot straight to the U-eight handle surface employing Cakewalk StudioWare technologies, which emulates and translates the hardware controls and commands into the equivalent Property Studio software operations. This level of software package and hardware integration allows the user to control nearly all of Property Studio 9's functions entirely from the U-8 surface, including transport controls, track arming, jog/shuttle wheel positioning, fader levels, as well as the capability to navigate and pick commands from any of Home Studio 9's pull-down menus--without ever touching the computer system mouse.

The U-8 hardware features eight faders that can be employed to manage recording and mixing operations in House Studio with tactile precision. It also attributes 135 on-board DSP multi-results presets that can be utilised in real-time on input, although recording.

The U-8/Residence Studio 9 bundle is designed to get consumers up and working quickly with minimum studying curve. By merely pressing a single of the &uotEZ&uot buttons on the U-eight, customers entry step-by-stage, on-display &uotwizards&uot from within Home Studio 9 that guidebook the user smoothly by setup, studio configuration, recording, and mixing.



Other U-8 hardware functions contain: 44.one kHz/sixteen-bit digital audio sample fee, Unbalanced MIC In 1/four inch Cell phone In one/four inch Guitar In RCA Phono Audio In/Out and Optical S/P DIF Digital In/Out.



Pricing and Availability

The unique edition of Cakewalk Household Studio 9 with the Roland U-8 has a manufacturer's suggested retail selling price (MSRP) of $695 U.S. and is scheduled to ship in March 2000. The Home Studio 9/U-eight bundle is distributed in North America by Edirol Corporation. Dealers can order The Property Studio 9/U-8 program by means of ThinKware, San Francisco.

For a lot more facts on the U-8 bundle with Cakewalk application, please see Cakewalk at the NAMM International Music Market 2000, Los Angeles Convention Center, West Hall, Booth # 1205. Interested customers can call 888-CAKEWALK or go to the Cakewalk net internet site at www.cakewalk.com.

About Roland

Roland is a planet leader in the design and style, manufacture and distribution of electronic musical instruments, skilled audio products, multimedia products and music add-ons. Roland USB Digital Studio U-eight and Desk Top Music Merchandise are offered in the United States by Edirol Corp., and distributed by ThinKware.

About Cakewalk



Founded in 1987 and primarily based in Cambridge, Mass., Cakewalk(R) is an global, market-foremost provider of computer software for music and sound creation. The company's award-winning goods are applied worldwide by far more than 750,000 skilled and household end users for applications including audio CD production, film/Tv soundtracks, reside stage sound, pc games, multimedia applications, and Internet delivery.

Cakewalk is a registered trademark, and WavePipe, Cakewalk Home Studio, Cakewalk Specialist, Cakewalk Professional Audio, Cakewalk Professional Suite, Cakewalk Metro, Cakewalk Metro SE, Cakewalk Audio FX, Cakewalk Overture, Cakewalk Guitar Studio, Cakewalk Guitar Tracks, Cakewalk ScoreWriter, Cakewalk MIDI Music Pack and the Cakewalk brand are trademarks of Twelve Tone Programs, Inc. GigaSampler and NemeSys are trademarks of NemeSys Music Engineering. Other solutions http://www.tigerdirect.com/applications/Category/category_tlc.asp?CatId=26&name=Software and firms mentioned are trademarks or registered trademarks of their respective

'Darker' Fourth Series of Merlin Video

Watch Merlin Season 3 Episode 9



Merlin is a young witch who live in the city of Camelot, after her mother cares for him, staying with Gaius the court physician. He discovered that the King Uther Pendragon, magic banned and imprisoned the last dragon deep beneath the city. Merlin informs the dragon he has an important provision to protect the son of Uther, give, Arthur, the birth of a great empire. When she enters Arthur for the first time he thinks he is arrogant and Arthur Merlin seen as subservient, as Merlin has his magic.....

Veterans: Honoring our heroes - CBS News

Fired VA medical doctors even now collected bonuses Even right after reports that veterans had to wait months for treatment, prompting vows to overhaul the company, the Department of Veteran Affairs nonetheless paid hundreds of thousands of cocoa bucks in bonuses to employees in 2014







On November https://www.bcpao.us/asp/record.asp 11, 6:37 PM PlayVideo

Free Online Video Editor

Video editing became popular with the use of video sharing websites like Twitter, Facebook, YouTube and many more. Everybody is nowinterestedin video editing and trying to edit and compile a video to share on these sites. I havereceivedmany emails regarding writing about videobloggingand editingtutorials.So in this post i am writing about some popular free online video editors. If you want to make a slide show video of your images, shoot atutorialor make other small videos for your website orsocialmedia like Facebook, YouTube, then these online tools will help youachieveyour goals. Good luck!

FileLab Video Editor



Try this easy tool to edit your videos online. Edit, enrich, personalize and share your movies with some clicks no knowledge of editing required.

Flix Master



FlixMaster is a cloud-based video editing and publishing platform that enables content creators to build dynamic, interactive videos with drag-and-drop ease.

Kaltura Video Platform





Kaltura is the worlds first Open Source Online Video Platform, providing yes both enterprise level commercial software and services, fully supported and maintained by Kaltura, as well as free open-source community supported solutions, for video publishing, management, syndication and monetization.

Loopster





Loopster edit you video online for free. Its as easy as 1 2 3.

Magisto



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Mix Moov



MIXMOOV specializes in Online Video Editing. It provides a white labeled, customizable, award-winning online video editing toolbox. Main features and modules include transitions, frame-level cut, effects, text, templates, etc.

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Shotclip is a video application that enables amateurs to create video like a professional through a simple 3-step process. At the core of the Shotclip app is guide template that gives you a scene-by-scene breakdown of what Shots to get to build your story.



Video Toolbox





Its FREE and capable of processing video files up to 600 MB. It will analyses your video files and displays detailed information about the codec, bit rate, frame rate, resolution, etc. It can also converts your files between all of the popular video formats (3GP, AMV, ASF, AVI, FLV, MKV, MOV, M4V, MP4, MPEG, MPG, RM, VOB, WMV).

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The new YouTube editing service lets you trim your videos, adjust levels, add effects, swap your soundtrack and more.