Devin Fitzpatrick Interior Consultant: PROFILE

Devin Fitzpatrick Interior Consultant PROFILE

Growing up with a father in the hospitality industry across the country, Devin’s eyes were drawn to beautiful and inspiring interiors at an early age. Following grade school in the Boston area and high school in southern California, Devin earned a Bachelor of Arts degree in Art History with honors and a Master of Arts degree in Interior Design. After moving to Seattle, she worked for a residential architect for two years and then as a Senior Designer at NB Design Group, an award-winning residential and commercial interior design firm. During this time, she lead projects for Forbes 400 clients and their estates, collaborated with architects to design and remodel high-end residences, managed downtown condo renovations and refurbishments and provided consultation for furniture, finishes and paint colors for numerous homes in the Pacific Northwest. Several of her projects received awards and are featured in publications such as Luxe, Sunset, Renovation Style and Seattle Homes and Lifestyles.

While earning her Master’s degree, Devin pursued her interest in art and the decorative arts. Her thesis “The Interrelation of Art and Space: An Investigation of Late 19th and Early 20th Century European Painting,” received the Joel Polsky Achievement Award from the ASID Education Foundation and is featured in IIDA’s Knowledge Center. In 2010, Devin took a summer sabbatical and pursued further study of art at NYU and earned a Certificate in Appraisal Studies in Fine and Decorative Arts.

Devin lives in Maple Leaf with her husband, Scot Eckley, a landscape designer and contractor. Their garden has been featured in numerous publications and is favorite stop on local garden tours. Devin and Scot share their garden and home with their young daughter and son.

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Coalition Against Insurance Fraud – Lemonade : smart business or soft fraud target

Crooks likely to probe the P2P insurer with bogus claims

This is a blog about a blog. It’s also a predictor of things to come.

The new insurer Lemonade thinks it has a winning formula. Get rid of agents and most other personnel. Just digitize policy sales and claims. It’s part of the bigger trend of peer-to-peer firms rapidly sprouting in various consumer sectors.

Dennis Jay wrote about Lemonade last week. I’m so fascinated by the upstart startup’s P2P business model that I had to weigh in with my two cents worth.

Lemonade thinks its formula will lower fraud, blogs board member Peter Diamandis.

Policyholders can have underwriting profits donated to nonprofits they choose. Insurance becomes “a social good, rather than a necessary evil.”

People are less likely to try and bilk Lemonade, Diamandis contends. Why would they defraud the insurer and thus reduce the charity donations?

Many policyholders likely will be kind-hearted, as I see it. They’ll keep applications, renewals and claims sparkling clean for the good of the cause.

Two other classes of insureds may be less charitable. First are the desperate ones. They’re average, everyday people whose finances are sagging. Maybe their home or SUV is near foreclosure, their bank account nearing empty.

They’ll worry more about saving their own skins than what money Lemonade sends to charity. If they can rifle Lemonade to bail themselves out with false claims, their adrenalin-addled brains will impel them to pounce. They could, for instance, trash their car and claim it was stolen or wrecked in a hit-and-run.

Then there’s another class: the greedy.

Some of the greedy are everyday people. They’re not desperate. Many are just opportunists. Maybe they just want to trade up to a bigger diamond engagement ring, and tell Lemonade that, sorrow of sorrows, it slipped off the wife’s finger at the beach. Or double the cost of a sound system lost in a home fire.

Organized rings are another kind of greedy, often led by dangerous sociopaths. Fraud is their business, a science. They’ll study Lemonade and probe for weaknesses in the application and claims system. Just like many crime rings test brick-and-mortar insurers when plotting staged crashes with mass injury claims.

Professional and amateur criminals look for weaklings to exploit, just like wolf packs stalking elk herds. My bet is they’ll try to infiltrate Lemonade to see how much juice is for the taking.

Lemonade’s elysian P2P concept will appeal to tech-savvy millennials — and provide another choice in the marketplace. Maybe Lemonade will inspire traditional insurers to tighten their own operations if they lose large numbers of customers to its community-minded model.

Meanwhile, this trusting P2P business model likely will be tested to the max on the mean streets. Here’s hoping Lemonade’s leadership grasp this truth, and develops new innovative firewalls to protect the company from some very smart street criminals.

2014 Honda CB500F ABS – Al Lamb’s Dallas Honda

Affordable, practical and fun to ride, the CB500F ABS is a breathtaking sportbike motorcycle for any adventure you embark on. Its 471cc twin-cylinder powerplant supplies superior performance and handling. The street bike motorcycle’s neutral, classic seating position makes it a perfect fit and versatile ride for people who want a machine that can do it all and do it well. Plus, the available anti-lock brake system (ABS) on the CB500F ABS helps you make smoother, more controlled stops in poor weather and road conditions.

Anti-lock brakes reduce brake pressure when they detect impending lock up and increase pressure again when traction is restored. Brake pressure is then evaluated multiple times per second, so sportbike motorcycle riders can fully break without fear of locking the wheels. At Honda, we believe that anyone should be able to operate a motorcycle’s brakes with complete confidence and peace-of-mind, no matter how poor road conditions may be. It’s the extra safety both experienced and novice riders want and need.

After all, you never know what the road will throw your way – from wet streets to sand and other debris on the track. It helps make street bike motorcycle and supersport motorcycle riding more secure, and under normal operation, you’ll never know it’s there. But when you do need it, it’s always there to back you up. Brake with confidence when you ride the CB500F ABS. This machine stands alone as the top performer wherever you ride – from the short commute to the weekend trip curving through the mountains.

 

Mossack Fonseca: GAFI saca de lista gris a Panamá

Mossack Fonseca – El Grupo de Acción Financiera (GAFI) autorizó la salida de Panamá de su lista gris, en la que había sido incluida desde junio de 2014. Así lo informó este jueves el ministro de Economía y Finanzas, Dulcidio De La Guardia a través de su cuenta de Twitter.

Una delegación de Panamá, encabezada por De La Guardia, se encuentra en Francia participando en la plenaria del GAFI, que culmina este viernes 19.

El titular del MEF calificó la decisión como un “triunfo” para Panamá, destacando el trabajo conjunto del sector público y privado. “Esto permitió la aprobación y aplicación de una nueva regulación que coloca a Panamá a la vanguardia en materia de la lucha contra el blanqueo de capitales”, expresó.

A principios de año, un equipo técnico del GAFI realizó una visita de tres días a Panamá para verificar el “in situ”, el cumplimiento de las normas contra el blanqueo de capitales, financiamiento de terrorismo y la proliferación de armas de destrucción masiva.

Entre las medidas implementadas por el Gobierno de Panamá se encuentra la creación de la Intendencia de Regulación y Supervisión de Sujetos No Financieros, y la reglamentación de la Ley 23, que adopta medidas para prevenir el blanqueo de capitales.

El Grupo Revisor debía presentar un informe con los resultados durante la plenaria.

Joe Moore & Company, Inc. Refractories for Sale

We sell high quality refractories, firebrick, and insulation. We are the largest stocking distributor of Blu Ram refractory in North Carolina, South Carolina, and Virginia, and we stock other refractories and firebrick produced by leading manufacturers. In addition to our extensive line of manufactured refractories, we have over thirty years of experience fabricating custom refractory shapes.

At Joe Moore and Company, we understand that your unscheduled downtime is costly, so we provide 24-hour emergency refractory service and delivery to customers in North Carolina, South Carolina, and Virginia. We carry a LARGE REFRACTORY INVENTORY so we can get you what you need ASAP.

Below is a list of the refractories, firebrick, insulation, and related products we sell. Call us about pricing. (919) 832-1665.

MONOLITHIC REFRACTORIES FIREBRICK

– Clay and phosbonded refractories

– Plastic refractories

– BLU RAM HS plastic

– Gunnables

– Castables

– Insulating castables

– Pumpables

– Shotcrete

– Refractory anchors (brick and stainless steel)

– Refractory tools and air rammers

FIREBRICK

– Insulating firebrick

– 70, 85, 90% Alumina

– Arch brick

– Super duty straights

– Blow down horseshoe tiles

– Refractory tiles

– Anchor brick and C-Clips

– Specialty shaped tiles

– Packaged boiler refractory shapes

– Custom refractory shapes

– SUPER 3000 mortar