Term vs Whole Life Insurance. See Which is Better and Why?
Term vs Whole Life Insurance, there are many differences between the two. Specifically when it comes to cost of life insurance, coverage length, cash value growth, living benefits and many other things.
Before shopping for life insurance coverage – or before going forward with the purchase of a policy – it is important to learn the difference in term life vs whole life insurance.
There are several good reasons for this. Even though both are life insurance policies the benefits that are offered can differ substantially.
So, having an in-depth understanding of the different types of life insurance coverage – and how they work – can be highly advantageous in a number of ways.
Unlike many years ago, today there is a long list of different types of life insurance coverage that is available.
Because of the many "bells and whistles" that can be attached, today's life insurance policies can essentially be "customized" to fit just about any need.
But when you really drill down, there are still just two primary life insurance categories. These are term life insurance and permanent.
Term life insurance is pretty basic, bare-bones life insurance coverage.
Whole life insurance which is a permanent life insurance policy, on the other hand, offers both death benefit protection, as well as cash value.
This cash value build-up can help you to save money in a tax-advantaged way – along with providing your loved ones with financial protection, just in case.
And, within each of these types are even more specific life insurance policy options available. Let's take a look at term vs whole life insurance coverage.
Term life insurance is considered to be the most "basic" form of life insurance coverage. One of the primary reasons for this is because term life offers pure death benefit protection only, without any type of cash value or savings build up within the policy.
Because of this, term life insurance can be extremely affordable, and it can provide you with a viable way to obtain a large amount of life insurance coverage at a low premium rate – particularly if you are young and/or in relatively good health at the time you apply for the policy.
These coverage options may include 5 years, 10 years, 20 years, 25 years, or even 30 years. There is also a one-year renewable term life insurance option.
Usually, insurance carriers will offer several of these term lengths in their product selection. So, depending on the actual need that you're covering, one may be better than another.
For example, term life insurance is considered by many to be "temporary" coverage. With that in mind, term can be more beneficial for certain types of temporary needs.
These could include the payoff or a mortgage balance or ensure that a child or grandchild has enough money to attend college in the future.
Level Term – Level term life insurance has a death benefit that will remain the same (i.e. level) throughout the entire coverage term. Typically, the premium will also stay the same during the policy's period of coverage.
Renewable Term – A renewable term policy is able to be renewed by the insured when the coverage period ends. The premium, however, will usually go up with each renewal. This is due to the insured's older age at that time.
Convertible Term – Convertible term life insurance can be converted over into a permanent insurance policy at a future time. This can often be done without providing evidence of insurability. Or in many cases, without having to take another medical exam.
Increasing Term – As its name implies, increasing term will have a rising death benefit over time. But oftentimes, the premium will remain the same.
Decreasing Term – Decreasing term has a death benefit that gets lower over time. The premium, however, will often remain the same on these plans. Why consider this? Well, this type of term insurance could be good for covering a decreasing mortgage balance over a period of years. In this case, the amount of insurance coverage would decrease as the mortgage balance also goes down.
While term life insurance has many advantages, it may not be ideal for everyone. So, who may be a good candidate for term life insurance coverage?
Depending on what it is that you're looking for in a life insurance policy, term insurance can be the ideal product. Or, it could alternatively be a waste of your premium dollars.
Given that, there can definitely be both pros and cons when it comes to term life insurance.
For those who are seeking more permanent life insurance protection, there are numerous options. One of which is whole life insurance.
Whole life insurance coverage is often referred to as the most common type of permanent life insurance protection. One reason for this is because whole life offers a guaranteed death benefit.
This type of coverage also cannot be canceled – provided that the premium is paid. This is the case, even if the insured contracts an adverse health condition.
It also offers premiums that are guaranteed not to increase. Again, this is true even as the insured gets older, and if they are diagnosed with a serious health condition.
Whole life insurance also offers a cash value component. Within this portion of the policy, funds are allowed to grow on a tax-deferred basis.
This can help to build up a nice amount of savings over time, because there is no tax due on the growth of these funds until (or unless) they are withdrawn.
Money from a whole life insurance policy cash value can be withdrawn or borrowed by the policyholder. This can be done for any reason and requires no approval from the insurer.
The loans that are taken from a whole life insurance policy are not required to be repaid. But if they are not, the unpaid balance – plus interest – will be deducted from the death benefit that is paid out to the beneficiary.
Just as there is with term life insurance, there are several types of whole life. These can include par (participating) and non-par (non-participating).
With a participating whole life insurance policy, the policyholder can receive dividends from the insurance company. While dividends are not guaranteed, there are some mutual insurers that have paid them out consistently for many years. Some even for more than a century.
Dividends can be received in a number of ways. For example, they can be added to the policy's cash value. Alternatively, they may be used for purchasing additional amounts life insurance for the insured.
Another key benefit with dividends on whole life is that they are not taxed. Unlike participating policies, non-participating whole life insurance policies will not pay out a dividend.
Who is a Good Candidate for Whole Life Insurance?
Given its features and benefits, whole life insurance can be a great option for some – while the higher priced premium can be a turn-off for others.
So, who might want to consider going with whole life insurance?
Also, want the assurance of a guaranteed death benefit – even in the event of illness down the road.
There can be several advantages and drawbacks with whole life insurance.
So, even though there are some nice features, these policies are not ideal for everyone.
Both term and whole life insurance can often offer you the ability to add riders. This means that you can add additional coverage – or even additional people to be insured.
Guaranteed Insurability Rider – This rider allows you to obtain additional insurance protection without providing evidence of insurability. (This usually means that there is no medical exam required).
Accidental Death Rider – The accidental death rider is sometimes referred to as a double indemnity rider. This rider will pay out an additional sum if the insured dies as the result of a covered accident. It may also be necessary that the insured die within a certain time period of the accident, such as 90 days.
Waiver of Premium Rider – The waiver of premium rider can allow an insured to stop paying premiums if he or she becomes disabled. This rider can essentially keep the policy in force – even if the insured is no longer able to pay their premium.
Children's Term Rider – This rider provides term insurance on a child. It typically specifies that the death benefit will pay out if the child dies before they reach a certain age. In some cases, once the child turns a certain age, they may be able to convert the coverage over into their own policy. This can often be done without providing evidence of insurability.
Return of Premium Rider – With this rider, used with term life insurance, the insured can get back some or all of their paid-in premiums. This is the case if the insured outlives the stated term of the life insurance policy. (There is usually an added cost for this rider).
Shopping for life insurance can be confusing. Especially when trying to shop for Term vs Whole Life Insurance.
But the truth is that it shouldn't be.
This type of coverage can mean the difference between those you love moving forward financially or having to drastically change their lives in the event of the unexpected.
Life insurance coverage should also ideally fit into your overall budget. Otherwise, if the premium gets to be too much, you may end up canceling your coverage – which in the end, will not be beneficial to anyone (except maybe the insurance company).
So, how can you find the best rates on term and whole life insurance?
The best way is to work with an independent life insurance agency or brokerage.
In doing so, you will be able to get unbiased advice, along with premium quotes from multiple life insurance carriers.
By being able to look at different policy features – as well as premium quotes – you can make a much more well-informed decision about which plan may be right for you.
Life insurance can be a key component of most any good financial plan. It can provide you with a number of financial solutions throughout the different stages of your life.
But if you have the wrong type of life insurance coverage, it may not be as beneficial as you had hoped.
In fact, it could end up to be just an added expense.
What is the answer, then, when it comes to term or whole life insurance coverage?
The truth is that it depends.
There is a long list of factors that can come into play when deciding which type of life insurance is best for you.
Overall, the life insurance coverage that you purchase should ideally fit in with your specific needs. Otherwise, if you have too much or too little – or even the wrong coverage type – you could leave your loved ones vulnerable to financial hardship.
So, while many people don't like to think about it, the right life insurance protection can be the very best gift you can give to those you love.
If you need more info about term vs whole life insurance, we can help.
We are an independent life insurance brokerage, and we work with more than 40 of the top life insurance carriers in the industry today.
Because of that, we can provide you with all of the information that you need – all in one convenient place.
So, when you're ready to move forward – or, even if you just need some additional information about life insurance in general – reach out to us at Contact Us.


Mike Daisey: Gothamist: Idiotarod '08 Has Taken Off!
12:45pm - Nearly 300 people, including contestants and judges, just crossed the Manhattan Bridge and seem to be coming from Chinatown.
1:00pm - Our team is on their way from Checkpoint 1 to Checkpoint 2 reporting there's "now about 350 involved and a million photographers and video crews chasing them. It looks like contestants are headed towards cobble hill. Lots of food is being thrown. one team has a catapult in their cart lobbing balloons filled with beer, mustard, and mayo. People dressed as ninjas, in jumpsuits, there's a downtown urban exploration team. Lots of x-dressing contestants."


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Twombly and Iqbal Survive a Rampage
Posted in Litigation, Patents
The District of Massachusetts recently grappled with the proper analytical standard when faced with a Fed. R. Civ. P. 12(b)(6) motion to dismiss in a patent infringement case. Judge Burroughs held that the familiar Twombly/Iqbal framework applied.
In Rampage LLC v. Glob. Graphics SEI, No. 16-cv-10691-ADB, 2017 WL 239328 (D. Mass. Jan. 19, 2017), plaintiff Rampage brought three counts against Global Graphics and a John Doe:
Direct patent infringement (against John Doe);
Induced patent infringement (against Global Graphics); and
Contributory patent infringement (against Global Graphics).
Rampage owns U.S. Patent No. 9,053,410 (the '410 patent), which has a somewhat cumbersome title, but discloses a "new system for distributing ink from inkjet printing presses." More specifically, the '410 patent purports to resolve what's known as the "Screening Problem" in inkjet printing. That is, tiny inconsistencies in the traditional inkjet process occasionally result in imperfections that are visible to the naked eye, and the '410 patent offers tech to solve the problem.
A few months after Global Graphics allegedly had notice of the '410 patent, it released a software product called the Harlequin Host Renderer SDK (the "Harlequin"). The Harlequin offers four screening methods, but just one—its multi-level screening—is accused in the case. Rampage contends that process is covered by the '410 patent and that Global Graphics never offered multi-level screening before it knew of the '410 patent.
Rampage believes that Global Graphics sent the Harlequin to someone, though it is unsure whom—hence "John Doe." Count I is animated by John Doe's alleged testing, use of, or research regarding the Harlequin's accused process. Counts II and III are supported by Rampage's claim that Global Graphics sent John Doe the accused product despite its knowledge of the '410 patent. Global Graphics moved to dismiss the complaint on the basis that Rampage's assertions were too speculative to state a plausible claim for relief.
Rampage and Global Graphics sparred over the proper standard. Rampage contended that its complaint should be assessed under the more lenient Form 18 to the Appendix of Forms to the Federal Rules of Civil Procedure. Form 18 was a template for patent infringement complaints with only minimal requirements.[1] Global Graphics argued that the more exacting standard under Bell Atlantic Corp. v. Twombly, 550 U.S. 544 (2007) and Ashcroft v. Iqbal, 556 U.S. 662 (2009) should apply to this infringement case.
The court explained that on December 1, 2015, amendments to the Federal Rules struck Rule 84 and the Appendix of Forms, including Form 18. But the Advisory Committee also said then that this shift "does not alter existing pleading standards or otherwise change the requirements of Civil Rule 8."
The court explained that "[n]o federal appellate court has yet addressed whether Form 18 or the Twombly/Iqbal standard governs the sufficiency of direct patent infringement claims, but the Court concludes that the Twombly/Iqbal standard is the correct standard . . . in this case." First, the "vast majority" of district courts have reached this conclusion. Second, Advisory Committee Notes are not binding, whereas "the Twombly/Iqbal standard governs all civil cases."
Rampage relied on a few post-amendment cases that applied Form 18, but the court was unconvinced; in each case the complaint had been filed before the rules changed. So, after reaching its conclusion, the court re-stated the Twombly/Iqbal requirements that a complaint must state a "claim for relief that is plausible on its face," offer "more than a sheer possibility that a defendant has acted unlawfully," and provide "more than labels and conclusions, and a formulaic recitation of the elements of a cause of action . . . ."
The court dismissed count 1 (direct infringement against John Doe). Global Graphics contended that Rampage's claim was insufficient because it was merely speculating that someone, somewhere was using the Harlequin's multi-level screening process. The court agreed because there was nothing in the complaint or two proffered Global Graphics publications that suggested any actual use or testing of the Harlequin.
But the pleading standards for counts II and III (indirect and contributory infringement) are more relaxed than those for direct infringement, and they survived. Global Graphics argued that the facts asserted in support of these claims were too speculative, but the court held that all of the counts' required elements were sufficiently pled under Twombly/Iqbal.
This case serves as yet another district court's rebuke to the old Form 18, and a reminder to litigators on both sides of infringement actions that complaints should be scrutinized under the more rigorous Twombly/Iqbal framework.
[1] (1) an allegation of jurisdiction; (2) a statement that the plaintiff owns the patent; (3) a statement that defendant has been infringing the patent "by making, selling, and using [the device] embodying the patent"; (4) a statement that the plaintiff has given the defendant notice of its infringement; and (5) a demand for an injunction and damages.
Rampage, 2017 WL 239328, at *2 (citing Lyda v. CBS Corp., 838 F.3d 1331, 1337 n.2 (Fed. Cir. 2016)).
Tags: District of Massachusetts Cases, Iqbal, Pleading, Twombly
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Maximizing the protection and value of intellectual property assets is often the cornerstone of a business's success and even survival. In this blog, Nutter's Intellectual Property attorneys provide news updates and practical tips in patent portfolio development, IP litigation, trademarks, copyrights, trade secrets and licensing.
Protecting Intellectual Property FAQs
Innovation in the Remote Work Environment: May You Flourish in These Challenging Times
Coronavirus Impacts Intellectual Property Too: Update on Patent and Trademark Prosecution at Various IP Offices in the World
Establishing and Protecting IP Rights Globally: A Case Study
PTO Increases Annual Limit of Track One Prioritized Examination to Keep Pace with Applicant Interest
International IP Expansion Considerations
Patent Holders, Protect Your IP with These Tips on Patent Term Adjustment
Privity and Immunity: The Federal Circuit Issues Two Precedential Decisions Addressing Who Can Petition for and Who Can Be Subject to Inter Partes Review
Licensee Challenges Ruling that a Standard Language Forum Selection Clause Bars PTAB Proceedings
5 Patent Law Petitions to Watch at the Supreme Court
Post-Grant Proceedings
Patent Eligibility
Patentable Subject Matter
Post Grant Review
Kenneth R. Berman
Ronald E. Cahill
Alison C. Casey
Patrick J. Concannon
Emmanuel D. Filandrianos
Micah W. Miller
Alex Nagorniy
Rory P. Pheiffer
Heather B. Repicky
Derek Roller
Thomas J. Tuytschaevers

redpajama_set_name: RedPajamaCommonCrawl


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Prithviraj Coming Up with 3 Big Malayalam Films
Prithviraj is all set with his 3 Malyalam releases "Ennu Ninte Moideen", "Sapthamashree Thaskaraha" and "Picket 43." Jun 26, 2014
'Autonagar Surya': Will Naga Chaitanya Starrer Beat 'Manam' Opening Day Collections?
Naga Chaitanya-Samantha's much-delayed "Autonagar Surya" is likely to hit the screens on Friday, 27 June. Jun 26, 2014
4 Steps to Pretty Toenails
Many people are incredibly self-conscious about their feet; more specifically their toenails. If you follow this step-by-step guide, you'll be able to have flawless toenails! Jun 26, 2014
Baahubali team Welcomes Tamannah
Bahubali, third combo of SS.Rajamouli and prabhas is a much awaited bilingual movie project. This movie is going to be a huge hit in both Tamil and Telugu languages. New schedule is now set for the shoot that commenced in Annapurna studios. This big budget project involves Rebel star Prabhas, Rana, Anushka and Tamannah playing lead roles. Recently Rajamouli shot few scenes which were disrupted by rain while few schedules were planned in Ramoji film city with erected sets being the highlights of this movie. This Prestigious flick in Rajamouli's career also casts Ramya Krishna, Sathyaraj and Nasser in important roles. Well known music director MM Keeravani composed music for Bahubali which is to release on April 17th next year. Jun 26, 2014
Shahrukh Khan's Driver Arrested For Raping A Minor
Bollywood superstar Shahrukh Khan's driver was arrested by the Bandra police yesterday for raping a minor. The girl shifted to Mumbai only five months ago to work in the actress house. The minor girl used to work as a maid at Bollywood actress Sangita Bijlani's house. Jun 26, 2014
Twitter Turns Sanskari as Alok Nath aka Babuji Joins in; Twitterati Take Blessings Online
It's time for Twitter to learn some values and manner, as Alok Nath has completed his Twitter warming ceremony. Jun 26, 2014
Justin Bieber will be Dead in 2 Years if he Doesn't Alter his Lifestyle: Security Expert
Justin Bieber's life isn't as safe as his loved ones would want, and the Canadian pop singer might end up dead if he does not make changes to his lifestyle pretty soon, according to a security expert. Jun 26, 2014
Salman Khan Offers Jobs to Unemployed Fans Online; Resultant Traffic Crashes his Facebook Page
Salman Khan on Wednesday, with some good intentions had sent out a few tweets concerning about his unemployed fans, has recently landed himself in trouble as the huge online traffic crashed the "Kick" actor's Facebook page. Jun 26, 2014
Ajith-Murugadoss Film: Director Says he has Complete Script Ready for Thala
Director AR Murugadoss, who is currently working on "Kaththi", has revealed that he has a complete script ready for 'thala' Ajith. Jun 26, 2014
'Bachelorette' Andi Dorfman Pregnant: Who is the Father of the Baby – Josh Murray or Nick Viall?
When Andi Dorfman and the rumored finalist of "The Bachelorette" season 10, Josh Murray appear at the After the Final Rose ceremony, they might have two surprises for the viewers – news of their engagement, and pregnancy. Jun 26, 2014
Manju Warrier to Endorse Organic Farming
After getting inspired by the success of her latest film "How Old Are you", Kerala government is all set to make Manju Warrier as the brand ambassador of Organic Farming in Kerala. Jun 26, 2014
Kapil Sharma turns salesman!
Kapil Sharma turns salesman! Jun 26, 2014
Jacqueline Fernandez reconnects with Srilanka at SPA Ceylon launch
Mumbai, June 26 (ANI): Srilankan beauty and bollywood actor Jacqueline Fernandez was spotted launching SPA Ceylon-Sri Lanka's premier spa lifestyle brand in the showbiz capital Mumbai. On the occasion Jaqueline looked quite happy to see Sri Lanka's brand in India. Last seen in Race 2, Jacqueline will next be seen in 'Kick' opposite Salman Khan. Jun 26, 2014
Lingaa For Rajinikanth's Birthday
Rajinikanth's much awaited Linga is scheduled to release on December 12 on superstars birthday. Recently there were reports claiming Vijay's Kathi and Rajini's Linga to clash as Diwali's release. But the Linga team refused immediately, saying its a rumor and Linga is heading towards a solo release on superstar's birthday. Jun 26, 2014
Kapil Sharma's First TV Commercial for Honda Goes Live (VIDEO)
The producer of "Comedy Nights with Kapil" will be seen playing as a salesman in the commercial ad of Honda Mobilio. Jun 26, 2014


The message goes on to say PLEASE DO NOT SHUT DOWN OR RESTART YOUR COMPUTER, DOING THAT....."
So my wife doesn't shut it down and calls the number. A guy answers and as she explains. "He said do this and this and this and this.... and then he had my cursor and starting doing things. Then I saw a black screen with white letters......" It about this time I almost passed out but threw up instead. The guy then tried to talk her into being some services to fix our now corrupted computer. Fortunately she said she had to check with me first before she spent any money, but she left and went to the store and left the computer up so I'm certain everything has been copied or accessed. I think the real damage is down.
The question is what do I do now? I'm not all the savvy myself with connectivity, I know I need to change all passwords, contact my bank etc, Are all my devices that connect to the WiFi at risk now? What do I need to do to protect my devices and repeat access to our network and systems?
This sounds like a well-known scam unfortunately, it's a variation of something I've seen before, but not from working with TWC but from related experience. TWC doesn't handle this specific issue, we just provide the utility, we are your ISP (internet service provider).
Microsoft doesn't volunteer support from outbound calls. If you're having an issue you call then first, not the other way around.
Same thing goes for TWC. An outage for a whole neigborhood is easy for us to automatically identify and correct, but a specific house's equipment offline? Well that might just be you've unplugged the power on your modem for all we know from our end. You'd want to call us and ask, right?
I had a friend of the family make the same mistake you did many years ago. They had me in the family and I was able to reformat and re-image their harddrive to get them back to a fresh operating system state (like a new computer all over again). They lost some data they hadn't backed up. And they enrolled in the LifeLock service which they were glad they did because in the case of my family member there was actually identity theft and somebody attempted to buy a bunch of stuff in their name with a Best Buy credit card they used their identity to register for, that was all blocked before it became an issue an so whomever the thief was probably discarded the stolen identity and we've never heard of any issues since (or at least I was never told of any future issues related to the theft).
I don't mean to presume what happened to the friend of the family example I mentioned is something that will happened to you, every situation is unique. But it's good to be vigilant!
Unfortunately TWC can't do anything to help you with the computer or trying to see if you've been a victim of identity theft, but maybe my personal story I shared could give you some ideas of where to find help? Maybe like Best Buy Geek Squad or something like that in your area for checking the computer for malware?
If there were any saved passwords they are probably comprimised.
I'd go in and create a new user with a new password and give it admin priviledges, I think that willkill off any other admins.
Look and see if there are new users, kill them off.
Then go into safemode with last known good bootup, but pick something a week or more ago.
Hopefully it starts, you then need to do a virus, trojan and malware/spyware sweep.
Clean out the trash, saved pages, cookies, etc.
If not, it's called format the hd and reload windows and all the aps.
Educate your wife about computer basics and security, that she should never open up ANY suspicious emails or files that you don't expect, or know who they are from. Don't visit unknown websites.
Get a good pop-up blocker, get Ad Block Plus, it is offered for most browsers.
Hey if you need any type of help with this, let me know.I work with issues like this all the time, and malware removal as well.


Our South Island vendor is impatient to be sold and has reduced his price to well below a rateable valuation of $440,000.
Well above the spray line and as far from tsunamis as you could wish to be, this 3 bedroom cottage enjoys unsurpassed views across rolling countryside towards our beautiful Bay of Plenty coastline.
Make a move to the hill country where the air is fresher, water is purer and the grass is greener! Set on 4.1 hectares of mixed contour grazing with a stream on 2 boundaries this property will give you the new start you may be looking for!
Grow your own meat, raise chickens and grow vegetables while you children enjoy raising a lamb for calf club at the Whakamarama school.


Due to the ongoing lime shortage, several airlines are no longer offering fresh limes with in-flight drinks. Instead of paying an exorbitant amount for limes, here are 5 great cocktails to make with lemons.
Limoncello and lemon juice give this fantastic drink a double-citrus punch.
Fresh lemon juice balances the sweetness of strawberries in this delicious, fruity mojito.
This sweet-tart cocktail is garnished with sour Lemonhead candies.
This terrific cocktail features rye whiskey, angostura bitters and muddled lemon.
Mixologist Brian Van Flandern blends Palo cortado sherry with gin and Cognac in this spin on a Collins.
33 Best New Bars in the U.S.


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AEDE's Ani Katchova and Siddhartha Bora win Outstanding Research Award from AAEA-AFM section
Home // About // News // AEDE's Ani Katchova and Siddhartha Bora win Outstanding Research Award from AAEA-AFM section
AEDE's Ani Katchova and Siddhartha Bora received an Outstanding Research Award by the Agricultural Finance and Management section of the Agricultural and Applied Economics Association (AAEA-AFM). Bora, Katchova and their co-author, Todd Kuethe from Purdue University, were nominated for this award based on their publication, "The Rationality of USDA Forecasts under Multivariate Asymmetric Loss," published in the American Journal of Agricultural Economics in 2021. The award recognizes research making significant contributions to the field of knowledge in Agricultural Finance and Management regarding the quality of research discovery, demonstrated by excellence in research methodology. The AAEA-AFM award was presented during the AAEA Annual Meeting in Austin, Texas on August 1, 2021.
Ani Katchova is Professor and Farm Income Enhancement Chair in the Department of Agricultural, Environmental, and Development Economics (AEDE). Siddhartha Bora is a Ph.D. candidate, and this paper is a part of his dissertation work supervised by Dr. Katchova and supported by the Farm Income Enhancement Program.
In their paper, Bora, Katchova, and Kuethe evaluate the "rationality" of two major series of USDA forecasts, the farm income forecasts released by the Economic Research Service and the World Agricultural Supply and Demand Estimates (WASDE) price and production forecasts produced by the World Agricultural Outlook Board. The study builds upon previous findings of underprediction bias in the USDA forecasts reported in several studies. The bias toward underprediction has been especially prominent in the early farm income forecasts. Forecasters may produce biased forecasts but may yet be "rational" if they minimize their loss due to forecast errors. Using a novel multivariate asymmetric framework, the authors show that USDA forecasts are rational under the assumption that USDA places different weights on under- and over-prediction errors. This approach is different from traditional studies, which typically do not differentiate between under- and over-prediction errors by minimizing a mean square (MSE) loss. In addition, they estimate the forecaster's loss function parameters in a joint multivariate framework that considers interactions between the losses due to errors in different variables.
The study addresses questions relevant to a wide range of players in the agricultural sector who use the USDA forecasts, including farmers, lenders, agricultural business leaders, and agricultural policymakers. These findings shed light on "why" the USDA forecasters may produce biased forecasts. Another implication of the findings is that they may help inform future revisions of USDA forecast models and procedures. Finally, while the results are mostly consistent with previous findings, they yield an alternative interpretation of the results of prior research.
Bora, S.S., A.L. Katchova, and T.H. Kuethe. "The Rationality of USDA Forecasts under Multivariate Asymmetric Loss." American Journal of Agricultural Economics (2020), https://doi.org/10.1111/ajae.12142
Department of Agricultural, Environment, and Development Economics


Osage Valley Electric Cooperative, Inc. is a member-owned distribution cooperative that supplies electric service to its members in seven west central Missouri counties. Incorporated on August 9, 1938, OVEC now provides over 15,000 members with service to home and businesses through 3,700 miles of distribution line. OVEC employs 50 people and has headquarters in Butler, with a district office in Clinton, a collection site in Peculiar and payment kiosks in Belton and Harrisonville.


The Call for Proposals is now closed. Proposal notifications will be sent in late January 2019; 2020 concerto proposals will be notified Spring of 2019.
We invite proposals for the 2019 National Flute Association Convention in Salt Lake City. Our theme for this year, "Transforming Artistry," will celebrate artistry's expressive potential. Some of us channel our creativity to performing, others to teaching. Some of us run organizations and expose communities to the arts, facilitating experiences for others.
Artistry can mean performance in its highest form, but it also can mean the skill and passion poured into a lesson, or the time and devotion involved in creating a meaningful musical experience within a community of people. It can be the careful planning of an events staff making everything run smoothly, the energy a teacher puts into mentoring students, or the collaborative skill found in the best of chamber musicians. We all have unique gifts and bring our inspired spirit to music and the flute.
Our organization includes flute enthusiasts who engage with the instrument in a variety of ways. We will entertain proposals that promote unity through inclusion and access for all flutists and professions. We look forward to appreciating the skill and beauty found in high-level performance, honoring the legacy of artistry passed to us from teachers, and revitalizing the connections among us all as collaborators and artists.
All proposals submitted will be carefully considered. Performance proposals might include anything from one piece to a larger program. Special consideration will be given to proposals aiming to celebrate the history and legacy of teachers, innovative ideas for expanding access to music, and presentations or performances that connect the flute and its repertoire to regional features, whether near Salt Lake City or the region of the proposer. We hope to simultaneously celebrate our shared heritage and empower our next generation of flutists to make their way in our musical landscape.
We look forward to being inspired by your submissions!
Recordings of your playing are required for performance submissions, uploaded with your proposal. You many include audio files (mp3, m4a, wav, wma, or aif only) or links to online videos of your playing (such as a link to your YouTube video); please include these links in the supporting materials. Links must be accurate and functioning at the time of review; please do not include both audio files and video links. Audiovisual requests must also be noted on the proposal form and are subject to budgetary considerations.
Flute Choir proposals (all ensembles of more than five flutes) are accepted via the online proposal form until 11:59 p.m. Eastern (ET) on Thursday, November 15, 2018. Choir directors must include an audio file (no videos) consisting of three to five representative selections recorded no earlier than 15 months prior to submission. Please note that the only acceptable recordings for flute choir proposals are audio files (mp3, m4a, wav, wma, or aif only). A program with exact timings of 30 minutes total (including set up, speaking, and transition) is also required as part of the proposal, and does not require inclusion of the recorded works submitted. If invited, the ensemble's performance date and time will be determined by the program chair.
The NFA is now accepting proposals for the 2020 Gala Concerto Concert, which will take place Saturday evening at the 48th Annual NFA Convention in Dallas, Texas, held August 6-9, 2020.
Gala Concerto Concert performers are often scheduled prior to the call for proposals. For the 2020 convention, we are giving you the opportunity to present your ideas for consideration to the Program Chair. Please note that each Program Chair reserves the right to choose artists and repertoire other than through the proposal process.


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Karatsu Daiichi Hotel Riviere is an elegant hotel located 8 minutes by foot from Watada station. Both business and leisure travellers can relax in the large public bath while enjoying a view of the Matsuura river. All guest rooms have been designed with comfort and convenience in mind and are equipped with TVs and large writing desks. A buffet breakfast featuring a wide variety of Japanese and Western dishes is available at the 1F restaurant. Wired and WiFi internet is available in all guest rooms.
8-minute walk from JR Watada Station. 5-minutes by car from JR Karatsu Station and JR Higashi-Karatsu Station. About 30-minutes by car from Taku Interchange of Nagasaki Expressway.
On the date of arrival from 17:00, 80% of total amount canceled plus tax will be charged.
24 hours prior to check-in date from 17:00, 20% of total amount canceled plus tax will be charged.


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About Philately
Featuring Research Volunteer Contributions
Pioneer Period (1783-1918)
The history of airmail dates to the first manned balloons of the late eighteenth century. American physician John Jeffries (1744-1819), who dropped four letters from a balloon floating over London on November 30, 1784, holds the distinction of sending the oldest known messages delivered by airmail. French balloonist J. P. Blanchard (1753-1809) accompanied Jeffries the day of the mail drop. The Physics Museum of Amherst College holds one of these letters.
President George Washington wrote the first letter flown in the United States. J. P. Blanchard carried the letter of introduction as he ascended in a balloon from Philadelphia's Walnut Street Prison Yard on January 9, 1793. Its location is unknown.
The first official US airmail delivery took place sixty-six years later, on August 17, 1859. On that day, veteran balloonist John Wise (1808-1879) carried 123 letters and twenty-three circulars from Lafayette to Crawfordsville, Indiana, a distance of thirty miles, in his balloon 'Jupiter.' Wise's intended route would have carried him to New York City, for which the mail pouch was tagged, but inclement weather grounded him at Crawfordsville. A train transported the mail from that point onward.
Though semi-official, the first airmail stamp issued anywhere in the world was used on mail flown by Samuel Archer King (1828-1914) in the balloon 'Buffalo' near Gallatin, Tennessee, on June 18, 1877.
Speed and reliability improved considerably early in the twentieth century. "Heavier-than-air" crafts helped reach this watershed, introducing the Pioneer Period. Dozens of mail-carrying events, held mainly at aviation meets and fairs between 1911 and 1916, played a key role in this accomplishment.
On February 18, 1911, Frenchman Henri Pequet (1888-1979) flew about 6,500 pieces of official mail from Allahabad to Naini, India, a distance of about five miles. A short time later, on September 23, 1911, Earle Ovington (1879-1936) flew official US airmail between Garden City and Mineola, New York.
The Pioneer Period ended in the United States on November 3, 1916, when Victor Carlstrom (1890-1917) completed a mail-carrying flight from Chicago to New York. The flight proved the viability of carrying mail by air, and Post Office Department officials began planning for regular, scheduled airmail service. World War I delayed the service for two years, and it began on May 15, 1918.
Stephen Reinhard
U.S. Related Areas
Kingdom of Hawaii
Covers and Letters
Land Mail
Intra-City Mail
Pony Express Mail
Overseas Mail
Transatlantic Mail
Stampless Covers
Airplane Mail
Developmental Period (1918-1945)
Contract Air Mail
Foreign Air Mail (FAM)
Specialty Flights
Miscellaneous & Related Items
Airship and Zeppelin Mail
In Times of Trouble
Conflict Mail
Civil War (1861-1865)
World War I (1914-1918)
World War II (1941-1945)
Disaster Mail
Stamps in American Culture
Printing and Production Equipment
Transfer Presses
Dies, Plates, & Transfer Rolls
Philatelic Hobby
‹ Airplane Mail up Developmental Period (1918-1945) ›


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PDF2 PDF |Add To My Favorites | Version: 09/07/18 - Enrolled 08/21/18 - Amended Assembly 04/16/18 - Amended Senate 03/22/18 - Amended Senate 02/16/18 - Introduced
SB-1303 Coroner: county office of the medical examiner.(2017-2018)
Section 24000 of the Government Code is amended to read:
The officers of a county are:
(a) A district attorney.
(b) A sheriff.
(c) A county clerk.
(d) A controller.
(e) An auditor, who shall be ex officio controller.
(f) A treasurer.
(g) A recorder.
(h) A license collector.
(i) A tax collector, who shall be ex officio license collector.
(j) An assessor.
(k) A superintendent of schools.
(l) A public administrator.
(m) A coroner. coroner or medical examiner.
(n) A surveyor.
(o) Members of the board of supervisors.
(p) A county veterinarian.
(q) A fish and game warden.
(r) A county librarian.
(s) A county health officer.
(t) An administrative officer.
(u) A director of finance.
(v) A road commissioner.
(w) A public guardian.
(x) A chief probation officer.
(y) Such Those other officers as are provided by law.
(a) Except as provided in subdivision (b), the county officers to be elected by the people are the treasurer, county clerk, auditor, sheriff, tax collector, district attorney, recorder, assessor, public administrator, and coroner.
(b) Except for those officers named in subdivision (b) of Section 1 of Article XI of the California Constitution, any county office that is required to be elective may become an appointive office pursuant to this subdivision. In order to change an office from elective to appointive, a proposal shall be presented to the voters of the county and approved by a majority of the votes cast on the proposition. A proposal shall be submitted to the voters by the county board of supervisors or it may be submitted to the voters pursuant to the qualification of an initiative petition as provided in Chapter 2 (commencing with Section 9100) of Division 9 of the Elections Code. Any county office changed from elective to appointive in accordance with this subdivision may be changed back from appointive to elective in the same manner.
(c) In counties that have a medical examiner in lieu of a coroner pursuant to Section 24010, the medical examiner shall be appointed as set forth in Section 24010.
(a) Notwithstanding any other provision of law, law, in counties with a population of less than 500,000, or in a county of any population that has adopted a charter, the board of supervisors may by ordinance abolish the office of coroner and provide instead for the office of medical examiner, to be appointed by the said board and to exercise the powers and perform the duties of the coroner. The medical examiner shall be a licensed physician and surgeon duly qualified as a specialist in pathology.
(b) (1) Notwithstanding any law, in counties with a population of 500,000 or greater, but excluding a county that has adopted a charter, the office of the coroner or the sheriff-coroner's office, as applicable, shall, commencing July 1, 2020, either be replaced with an office of medical examiner to exercise the powers and perform the duties of the coroner without a public vote or election, or adopt a policy requiring referral of death investigations to a county that has implemented an office of medical examiner for any case when there is a potential conflict of interest for the office of the coroner or the sheriff-coroner's office, including, but not limited to, law enforcement officer-related deaths, deaths of family members of law enforcement officers, deaths related to the coroner's or sheriff-coroner's family, or deaths related to employees of those offices or family members of those employees.
(2) The office of medical examiner shall be headed by a chief medical examiner appointed by the board of supervisors of the county or by the county executive officer. The chief medical examiner shall meet all of the following requirements:
(A) He or she shall be a physician and surgeon licensed to practice medicine in this state, or an osteopathic physician and surgeon licensed to practice osteopathic medicine in this state.
(B) He or she shall be in good standing with the Medical Board of California or the Osteopathic Medical Board of California.
(C) He or she shall be a board-certified forensic pathologist certified by the American Board of Pathology.
(D) He or she shall have practiced forensic pathology for at least three years following board certification.
(3) The chief medical examiner shall hire and supervise deputy medical examiners and other support staff as necessary to administer the office.
(c) Notwithstanding any law, whenever the term "coroner" is used, it shall be deemed to include the medical examiner for counties that have a medical examiner pursuant to this section.
(d) Notwithstanding any law, the office of medical examiner shall operate independently from any other county agency or official in the conduct of autopsies, including, but not limited to, exercising professional judgment to make determinations of cause and manner of death. This subdivision does not limit the authority of the board to supervise the conduct of the chief medical examiner pursuant to Section 25303.


This is a wellness program. It is educational and not treatment. It is not a substitute for a full evaluation or treatment by a healthcare professional. While the information provided here is based on sound scientific research, each person is unique. This program is an interactive version of self-help.
You will not be engaging in a therapist-patient relationship in any way when you access or engage in this program. This program is not directly or indirectly practicing psychotherapy, nor dispensing medical or psychotherapeutic services. If you experience problems with subscribing or registering to use the program, please contact us. If the program crashes or gives you error messages, please contact us. We will respond to these questions. We will not respond to your questions that would be more appropriate to ask a therapist or physician.


Unknown to the Western World before it was completely destroyed by the nuclear bomb in WWII, Hiroshima is today remembered precisely for that tragedy. However, it was rebuilt into a modern industrial city of character.
The main reason people come remains the bomb. The Peace Memorial Park is a sprawling area dedicated to the people who died in the attack. The park is centered on the A-Bomb Dome, the only remaining building from before the attack and the city's symbol both before and after. There are various memorials and monuments to the victims, and the Peace Memorial Museum is the centerpiece. Elsewhere in the city, the Hiroshima Castle was rebuilt, as was the Gokuku Shrine.
Hiroshima Airport serves the city, with flights from Air China, Asiana Airlines, All Nippon Airways, Japan Airlines, United, Air New Zealand and China Airlines.
Airfare from Las Vegas to Hiroshima on Air China from $1091.
Airfare from Hong Kong to Hiroshima on China Eastern Air from $2347.
Hiroshima, Japan connects to 20 airports worldwide.
The shortest flight from Hiroshima is 395 miles to Tokyo on Japan Airlines.
The longest flight from Hiroshima is 1624 miles to Agana on Continental Airlines.
All Nippon Airways fly from Hiroshima to Agana and 7 other cities including Tokyo.
Japan Airlines fly from Hiroshima to Sapporo and 3 other cities including Tokyo.
Save on cheap flights from Hiroshima. See below sample of Hiroshima airfares and airline ticket deals.
Top departure cities and airlines offering cheap airline tickets to Hiroshima.


Before us all ...It was them.
Layone plays with reality and fantasy. Self taught working in Mediums of Watercolor, Acrylics, crayon, Spray paint, Collage, pencils, and more. Subject matters include the African diaspora, endangered animals, flowers and plant life and so much more.


UTV Rally Class added to The Mint 400!
Discussion in 'General UTV Discussion' started by Mad Media, Dec 12, 2018.
Thanks for adding the Rally Class! We are excited - been wanting to run the Mint400 for a long time. Now gotta get the YXZ done.
Get her ready and make sure you register as soon as registration opens.
It will be interesting to see who enters what in the RS1 class and where it begins to head. In my opinion, it is by far the most dangerous (cough) 'car' out there and always will be this side of bikes and quads until we somehow/someday advance to cages resembling cocoons for how much money spent. That said, they will always garner the most attention on a race course by virtue of the advantages that they naturally possess and (unfortunately) craziest-driver/car-in-the-field current realities.
Very excited to witness US-based racing expand at the Mint.
Once they are properly caged "Like all UTV's" and have proper safety equipment they are pretty safe.
Come race a UTV at The Mint 400!


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Coming off of one of his best games of the season, Marcus Mariota will look to keep the success going in Week 10 with a matchup against a Patriots secondary that is currently near the bottom in points allowed (19.53 Fantasy PPG). In fact, the Patriots have allowed at least two passing touchdowns in four of their last five games. New England will undoubtedly try to keep Mariota contained in the pocket, which could actually help his Fantasy value in this game, as it seems making him more of a pocket-passer may be the source of the Titans' rhythm. With the Titans likely trailing during this game, Mariota will have ample opportunity to stuff the stat sheet. With a realistic chance at a three-touchdown game, Mariota comes in as a potential QB1 finish in Week 10, making him a sneaky streaming option in season-long leagues. In DFS, he could be an overlooked cheap option that could help you cash in.
Already rostered in most formats, Ito Smith has maintained Flex status over the past few games. Smith has been a boom or bust play for many owners, scoring a touchdown in four of his last five games. In Week 10, his matchup against the Browns could prove quite fruitful. This Browns' defense in currently one of the bottom three in points allowed to opposing running backs (25.49 Fantasy PPG). Over the last four games, it has averaged two touchdowns allowed to opposing runners, which bodes well for Smith. Look for the Falcons to establish a strong ground attack in this game, making both Tevin Coleman and Smith viable plays this week. Smith may even bring back low-end RB2 value in seasonal leagues. In DFS, Smith should be a guy that you plug into your lineup based on his price to give yourself some roster flexibility.
While some may point towards Washington's Maurice Harris as a player to target in Week 10, I have a different idea. With the injury to A.J. Green, the Bengals now find themselves looking for a player to step up in his absence. That player could be Alex Erickson. He should take advantage of a woeful Saints defense, the worst in Fantasy in points allowed to the position (36.39 Fantasy PPG). Erickson has not been a heavy factor in the passing game up until this moment, but his snap percentage have been rising (season-high 77% in Week Nine). In a game that should be a back and forth affair, the Bengals will need more than Tyler Boyd to put points on the board. Look for Erickson to be heavily involved out of the slot, making him a very sneaky play in Week 10. If you are in a pinch in your Flex spot this week, Erickson could be worth the add off the waiver wire. In DFS, his ownership should be very low and his price will be almost free, making him a no-brainer play for me.
The Panthers' defense is the worst unit in Fantasy as far as points allowed to opposing tight ends (13.16 Fantasy PPG). The Steelers will look to utilize the position in this matchup, but it's a coin toss in a given week as to which player will be the tight end more targeted. Vance McDonald has been the more consistent of the two, but I have a hunch that we see Jesse James get into the end zone in this game. He may not wow you with a high volume of catches or yards, but getting a score at the tight end position matters; that just may be what you get from James in Week 10. Looking for a streaming option this week? James is your guy.
Call it a hunch, but I don't think the Jaguars have figured it out on offense just quite yet. Oddly enough, this Colts' defense has had a knack for getting into the end-zone (three defensive scores in 2018). I could see this defense creating pressure on Blake Bortles, which will rush throws and create opportunities for this defense. It may be a long shot, but if you need a home-run play for Week 10, stream the Colts defense and don't look back.


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Saying 'there's no time' is no excuse- Defence Secretary
It is our duty to lend a helping hand to individuals who have artistic talents and open avenues for them to reach global platforms, Defence Secretary, Maj. Gen. (Retd) Kamal Gunaratne said.
"It's no excuse to say there is no time", he noted, while adding that time restrictions aren't an issue to produce a sound artwork/writing.
The role of an artist/author is to foster a better society through research-based, visionary and resourceful artistic creativity, Gunaratne, who himself is an author, told a ceremony to felicitate contemporary novelists/authors at the Colombo District Secretariat auditorium on Tuesday.
"Fine artworks and pieces of writing would always transform a distraught readership mind-set into a peaceful setup", he emphasized, while illustrating the value of remarkable creations.
Sound creations, irrespective of commercial gains, would always speak to the heart, he outlined at the event, where he was the chief guest.
Describing former legendary Sri Lankan authors as "role models", the war veteran said "their renowned names are still within our living memories".
Referring to the Kotte era, the golden age of literature, which saw the emergence of notable and renowned artworks and poems, Gunaratne, who also serves as Secretary of the State Ministry of National Security, Home Affairs and Disaster Management, underlined that "we should encourage the younger generation to pursue extracurricular activities and recognize their innate talents envisioning a better future".
The Defence Secretary expressed his gratitude to Colombo district Government Agent, Pradeep Yasarathne and his staff for organizing an event of this magnitude to felicitate contemporary authors, who have remained largely unnoticed in the past.
The venerable Maha Sanga, Adviser to the Public Administration Ministry, Mahinda Madihahewa, Secretary to the Western Province Ministry of Education, Sports & Youth Affairs, Cultural & Arts and Information Technology, Sirisoma Lokuwithana, regional and state officials, invitees, artists, authors and students were also present.
Do not miss the golden opportunity to become a qualified Laboratory Technician
Fate of Rs 25 billion CEB consumer deposit fund in doubt – Activist


Selestine is a student at OCC School in Nairobi, Kenya. She is cared for by her mother and father. Her father is a casual worker, and her mother is a casual worker. Selestine's favorite subject in school is Kiswahili. In her free time, she enjoys swimming. When she grows up, she would like to be a teacher.
Mathare 4b Village is a community within the larger Mathare Valley slum in Nairobi, Kenya. Mathare Valley is the second largest slum in Nairobi, with over 800,000 people living in an area of just under one square mile. The area is characterized by extreme poverty, high crime rates, joblessness, and lack of services such as electricity, water, and sanitation. The homes of those living in this area are made mostly of materials that are scavenged (tin, scrap lumber, poles, mud). Many have dirt floors, leaky roofs, and insecure doors and window openings.


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by: Loree Lough
Lone Wolf quantity
SKU: 9781603747233 Categories: Forgiveness, Romance, Westerns
Released from prison in 1840 for a crime he didn't commit, Kent McCoy finds himself without friends, family, or a single reason to believe in a merciful God. Like a lone wolf, he leaves Dodge City, Kansas, and heads east in search of a place where his past won't darken his future.
His wandering path collides with that of Abby Nelson, who, through a series of tragic events, has come to believe that love and happiness are beyond her reach. Life is a matter of existing from day to day on her last thread of strength—her faith in God's power.
Despite their tendencies to live on the fringes of life, Abby and Kent are strangely drawn to one another. But will suspicion, self-righteousness, and lack of faith cost them this chance at happiness in one another's arms? Or will they surrender to the love born from forgiveness?
About Loree Lough,
Once upon a time, best-selling author Loree Lough literally sang for her supper, performing before packed audiences throughout the U.S. Now and then, she blows the dust from her six-string to croon a tune or two for her grandchildren, but she mostly just writes. Over the years, her stories have earned nearly 100 industry and Readers' Choice awards, seven movie options, and over eighty four- and five-star reviews. Loree has nearly seven million copies of her... Read More
Once upon a time, best-selling author Loree Lough literally sang for her supper, performing before packed audiences throughout the U.S. Now and then, she blows the dust from her six-string to croon a tune or two for her grandchildren, but she mostly just writes. Over the years, her stories have earned nearly 100 industry and Readers' Choice awards, seven movie options, and over eighty four- and five-star reviews. Loree has nearly seven million copies of her books in circulation. She has written more than 100 books, thousands of articles, and many short stories. Loree loves sharing learned-the-hard-way lessons about the craft and the industry, and her comedic approach to teaching makes her a favorite (and frequent) guest of writers' organizations, book clubs, private and government institutions, and college and high school writing programs in the U.S. and abroad. A writer who believes in "giving back," Loree dedicates a portion of her income to Soldiers' Angels, Special Operations Warrior Foundation, and several other worthwhile organizations. She splits her time between her home in the Baltimore suburbs and a cabin in the Allegheny Mountains, sharing both with her real-life hero, Larry, who rarely complains, even when she adds yet another item to her vast collection of lighthouses, wind chimes, "wolf stuff."
More Books by Loree Lough
Healing of the Heart
Loree Lough
Guardians of the Heart
Currency of the Heart
Drewry's Bluff
The Case of the Jealous Lover
Clifford L. Frazier
Excellence in Marriage
Diane Hampton
Significant Living
Jerry Rose, Shirley Rose
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Located within Machalilla National Park and just a 10 minute drive from Puerto López, Mantaraya Lodge is set amidst a vast expanse of forest and offers spectacular views over the Pacific coastline.
All 15 spacious rooms are simply but attractively furnished with tiled floors and ceiling fans. Cocktails can be enjoyed around the swimming pool whilst appreciating the magnificent sunsets. There is also a small restaurant serving a particularly good range of fish dishes and a cosy nautically themed bar. An appealing property in a tranquil setting.


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Returning to work — HR FAQs for small businesses
Jun 2020 ⋅ 8 min read
As lockdown rules begin to ease, and the UK government announcing 'flexible furlough', wherein furloughed staff will be allowed to return to work on a part-time basis, businesses all over the country are getting ready to reopen their doors.
But what, from an HR perspective, needs to be done to reopen safely? And what are the ethical and legal responsibilities of the manager or business owner?
We sat down with our HR expert, Denise Jennings, to pick her brain about the kind of things that business owners should do and bear in mind when asking their staff to return to work in a post-lockdown world.
Disclaimer: please be aware that some information may not be appropriate to all business types. If in doubt, seek professional advice relevant to your industry and business — this article is for information purposes only.
We've divided the following HR questions and answers into sections to make it easier for you as a business owner to find the information that's most relevant to you. Feel free to browse the questions and answers one by one, or use the links to skip to the part that you're most concerned about.
Assessing risk |Reducing workplace risk | Staff testing positive | Other HR issues
Q1: Government guidance tells us we need to complete a COVID risk assessment. What sort of risks/measures do we need to think about?
As an employer you must take steps to protect your employees from coronavirus. This involves carrying out a risk assessment to help you to manage risk and protect individuals. You'll need to:
Think about which work activities or situations could transmit the virus between staff.
Identify who could be at risk (both your staff and people they're in contact with).
Decide how likely it is that someone could be exposed.
Act to remove the activity or situation or control the risk.
If you have fewer than five employees, you don't have to do a written risk assessment but it'll probably help regardless.
The Health & Safety Executive website has excellent information and guidance for businesses looking for help in making the workplace as safe as possible.
Remember: every industry and business needs to think about different risks — there's no one-size-fits-all risk assessment.
Q2: Do we also need to consider the risks associated with employees' commutes?
It's a good idea to encourage staff to walk, cycle, or take the car to work, where possible. If staff must take public transport, consider adjusting their working hours so they avoid rush hour, and ensure staff follow government guidelines, including those around face coverings.
Q3: What's the difference between 'clinically vulnerable' and 'clinically extremely vulnerable' employees in terms of managing their return to work?
'Clinically extremely vulnerable' employees will have received a letter or have been told by their GP or hospital clinician to shield. They can also register on the government website if they need any additional support, such as having essential groceries or medical supplies delivered to their home.
Employees who are 'clinically vulnerable' are at a higher risk of severe illness or have pre-existing conditions. They've been asked to take extra care in observing social distancing, and should be helped to work from home, either in their current role or in an alternative role that makes working from home possible.
If working from home isn't an option, such employees should be given the option of working in one of the safest available on-site roles, i.e. roles that enable them to stay two metres away from others at all times.
Reducing risk
Q4: With regard to keeping individual workspaces clean and sanitised, is the onus on the employer or the employees? Should I use a cleaning firm?
You're not obliged to employ professional cleaners, but before your staff come back to work, they should know what they need to do to keep their workspaces clean, where they can find things like sprays and cloths, and when and how to use them. They should also be instructed to wash their hands frequently, with the soap/sanitiser provided.
You'll also need to devise a strategy for keeping shared areas sanitised. You could create a cleaning rota, take on this responsibility yourself, or simply make all places like break areas and kitchens out of bounds. Either way, you'll need to make sure high-touch areas (think door handles, shared phones etc.) are wiped regularly, and decide whose job that will be — preferably with the help of some sort of cleaning sheet so that you can log when an area was last wiped down.
Finally, if you've decided to split your staff into sub-teams (more on this below) and have them come in at separate times, be sure to leave an 'air gap' (a time when clean air can be circulated) between the time when one sub-team exits and the other enters.
Q5: Should staff wear face masks or other PPE? Should we provide this?
This will really depend on the results of your own risk assessment, but if you find that masks and/or other PPE are required, you must provide it free of charge. All masks and PPE should fit properly, and your employees should be shown both how to use and dispose of it.
For example, your risk assessment may find that masks are not needed in a spacious, well-ventilated office, but in a tighter environment where staff can't socially distance from customers, you may find that masks are required. It all depends on your circumstances.
Q6: What if we don't have enough office space to keep staff at a safe distance from one another?
The first thing to say is that, regardless of whether you have limited or loads of space, your staff should continue to work from home wherever possible as this is by far the easiest way to limit virus spread between your team.
If, however, you simply must go back to the office, there are a number of ways you can help protect your team when working with limited space:
Break into sub-teams. By dividing your team into two or more sub-teams, and having them work on completely separate days or shifts, you reduce the risk of infection spreading through your whole workforce.
Stagger shift times. Keep your teams distanced and reduce the number of people present at any one time by drawing up a schedule and instructing staff (either individually or in small groups) to start and end their shifts at different times.
Back-to-back working. Rather than having staff sit side-by-side, they should sit facing away from one another where space is limited.
Install screens between desks. Screens made from materials like perspex would be best, as they allow light through, and are easy to clean.
Choose online over face-to-face meetings. Rather than gathering at tables or in meeting rooms, make use of online software like Zoom, Slack, or Teams to hold meetings via webcam, even if you're in the same office. Encourage staff to use internal messaging rather than visiting one another's desks.
In other industries, for example hospitality and construction, employees should observe the correct social distancing guidelines, ensure they are wearing adequate PPE, have been correctly trained on new health & safety guidelines, and observe all hand-washing instructions. The government has provided sector-specific return-to-work advice on the Gov.uk website.
Testing positive
Q7: What happens if an employee tests positive after their return to work? Do we need to tell other employees and ask them to self-isolate as a precaution?
This won't necessarily result in closing the business, but you should contact your local (for example, Public Health England) protection team to let them know that one of your staff has tested positive for COVID-19. They will then carry out a risk assessment, discuss with you the individuals who might have been exposed, and offer further advice on the steps you should take. This will include any cleaning advice.
Q8: Thinking about data protection, can we keep records of staff who have tested positive/have COVID symptoms?
Absolutely. So long as these records are held securely, employers should keep a log of any staff who have exhibited symptoms or tested positive for COVID-19, and use this information to help stop the spread within the business.
Your staff should also be encouraged to inform you at the first possible instance if they suspect that they have coronavirus or have been in contact with someone who has — and definitely shouldn't come into work.
Other HR issues: Furlough, refusing to return to work & more
Q9: We need a phased return at our workplace. How do we determine who stays furloughed, and who comes back to work?
Start by identifying those whose physical presence would be most beneficial to the business. If there are staff whose work has been made difficult by working remotely, they should be among the first to return to the workplace.
Avoid the temptation to bring back all of your senior staff or managers back at once, however. You might think that starting from the top and working down is the most logical approach, but this could well result in your entire management team falling ill at once. Instead, consider a good mix of roles to meet the needs of the business, taking into consideration the distance your staff will have to travel, since those who rely on public transport to get to work will inevitably be more at risk than others.
Finally, remember that some of your team simply won't be in a position to return to the workplace anytime soon. Some may have preexisting conditions that make them especially vulnerable, while others will be shielding vulnerable members of their household. In such cases, they should be asked to work from home where possible.
Q10: What if someone refuses to return to work even after risk assessments have been completed and actioned?
Communication is key here. Well in advance of asking your staff to return to work, talk to them — individually on the phone if possible — and explain the steps you're taking to keep them safe.
If after doing this, an employee remains reluctant to come back to work, then you may need to consider taking disciplinary action as per your employee handbook. Before doing so, however, be absolutely sure to investigate their individual circumstances and ascertain whether there's some other underlying reason — for example, a vulnerable family member — why they might be nervous about returning to work.
Q11: We want staff to come back into the workplace, but they can do most of their job roles working from home? Can we require staff to return to the office?
If an employee is worried about catching the virus and so refuses to attend work, the first thing I'd suggest is listening to the employee's concerns and offering reassurance. An employer's response to this will depend on the actual risk of catching the virus, and will be different for every employer depending on specific circumstances, including whether anyone in the business has already been diagnosed or if there is another real risk of exposure.
Responses will depend on individual employees, too — some may live with people who are shielding or vulnerable, some may have anxiety around COVID-19 and returning to work, and others may simply prefer to work from home.
Employers may also decide to offer a period of paid annual leave or unpaid leave, or allow the employee to work from home for some or all of the time where this is feasible. Technically speaking, however, you can require staff to return to the office.
Q12: Many of our staff still have lots of annual leave to take, and not much time left to take it in. Can we require staff to carry it over?
There are a few ways to approach this. First, recent changes to regulations state that up to four weeks of unused leave can now be carried over for up to two years where it's not practical to take the holiday as a result of coronavirus. Therefore, you might want to let staff know that some of their unused holiday can be carried over, with no need to cram it all in during the rest of the leave year.
This amount of carry-over can be difficult for small businesses to manage, so you may instead encourage staff to book their remaining leave as soon as possible, putting rules in place to ensure that you have always have the required staff in each role working at any one time.
If necessary, you can also require furloughed staff to take annual leave while furloughed. Holiday is still accrued during furlough at its usual rate, and can be taken during it. Some employers are allocating one or two leave dates per month during furlough. This must be paid at 100% of an employee's usual pay, but 80% is covered by the furlough scheme.
Returning to work post-lockdown won't be easy, and for many there will be no such thing as 'normal' for a long time to come. But with a little bit of planning, and a lot of communication, it will soon be possible for many businesses across multiple industries to reopen — whether full-time or on reduced hours — while still keeping their employees safe.


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The Harper's Ferry Insurrection [John Brown, Now Under Sentence of Death for Treason and Murder, at Charleston, VA.]
Martin L. Lawrence (photographer)
Frank Leslie's Illustrated Newspaper. No. 207 Vol. 8
Engraving from photograph
Oversize A 5 .34 Vol. 8
What could this man have done to have such a big picture on the front page of a newspaper? This is a portrait of abolitionist John Brown who was convicted of treason for leading an attack on the Federal Armory (a weapons storehouse) at Harper's Ferry, Virginia, in 1859. Brown believed that God had chosen him to end slavery. He planned to distribute captured weapons to slaves and lead them to freedom in the Appalachian mountains. Eighteen men, including five African Americans and his own son, joined him in the attack. Brown was captured by Marines under the command of Colonel Robert E. Lee (later commander of the Confederate Army of Northern Virginia).
After his execution, John Brown became a hero to many people, but he was a controversial leader even within the abolitionist movement. Many Northerners thought him brave and respected his beliefs, but disapproved of his violent actions. And, because Brown's effort had been funded by leading abolitionists, slaveholders saw him as the natural consequence of anti-slavery politics and used the event to justify secession.
Note the caption on this image that says that it was based on a photograph by Martin M. Lawrence, taken the previous year. Lawrence was a well-known photographer who had left the jewelry business in New York (as did his fellow photographer Matthew Brady) to take up the new art of making daguerreotypes in the early 1840s. Because it was not possible to publish photographs in the newspapers, publishers hired illustrators to create engraved copies for printing.
1. Does this man look like a criminal? John Brown was considered dangerous and crazy by some people. Does his portrayal in the image reflect this description?
2. Look at how much space is given to this picture on the front of the newspaper. How important do you think this story was?
3. Even today, people have different opinions about Brown. What do you think about what he did?
Edward Whitney, "Reminiscenses," in Photographic Times and American Photographer (New York) 14:159 (new series no. 39) (March 1884): 122–24. In Gary W. Ewer, "The Daguerreotype: An Archive of Source Texts, Graphics, and Ephemera. http://www.daguerreotypearchive.org/texts/P8840001_WHITNEY_PHOTO-TIMES_1884-03.pdf .
Finkelman, Paul. His Soul Goes Marching On: Responses to John Brown and the Harpers Ferry Raid. University of Virginia Press, 1995.
McGlone, Robert E. "Rescripting a Troubled Past: John Brown's Family and the Harpers Ferry Conspiracy." The Journal of American History 75, no. 4 (March 1989): 1179-1200.
Potter, David M. The Impending Crisis, 1848-1861. New edition. Harper Perennial, 1977.
abolition, battles, Causes of the War, freedom, illustrations, newspapers and magazines, photographs, portraits, prints, slavery, Slavery and Abolition


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Jamie Chadwick: "If you can see it, you can be it!"
W Series champion on the impact of the F1 Esports Series, and the Women's Wildcard
Smashing boundaries. Exceeding expectations. These are two things Jamie Chadwick does for fun. As reigning W Series champion, and current Extreme E racer, Chadwick has carved out a reputation as one of the forerunners for women in motorsport.
WOMEN IN MOTORSPORT
When it was announced in 2018, W Series set out to give talented female racers a platform. It was never about separating men and women; instead about providing a top-level platform for the fastest women on earth to showcase their speed on a global stage. The knock-on effect of this is that increased representation then inspires and encourages more women and girls at a grassroots level.
By that token, W Series and the F1 Esports Series Women's Wildcard share identical DNA.
"From my perspective, it very much goes back to 'if you can see, you can be it'." Said Chadwick of the Women's Wildcard.
"At the moment in esports you can't really see that many female competitors at the highest level and I think there's no reason for that. Esports has obviously got a lot of eyeballs on it, but from a female point of view, if you're up and coming, you might not be able to see that it is possible to make it to the top."
Chadwick has appeared as a studio analyst and some-time commentator during the F1 Esports Pro Series in past years, but has not yet had the opportunity to commentate while a fellow female racer has taken to the track. In future seasons, we really hope we can change that.
"In that sense it is important, and ultimately it will be a big difference down the line in more girls getting involved in it."
The F1 Esports Series Women's Wildcard is still open, and you can get involved until 23:59 GMT on Sunday, May 9.
Racing is evolving. Accessibility hurdles are more easily overcome thanks to the opportunities afforded by esports. You can't kick a football at your TV and get signed by Real Madrid. Unless you have a huge house, you probably can't win The Masters with a digital golfclub. But racing? You can set up a wheel and pedals in your bedroom and forge a career on-track.
"On the face of it, it's quite comparable [to on-track racing] in the sense that you've got two pedals, a steering wheel, and you're competing against other people."
"It is quite dissimilar in that you don't have the fear factor on a simulator. But at the same time, from a simulated point of view, it makes the accuracy and precision much more important, and the margins are so much smaller. I guess in that sense the sim is more difficult, but you do lack that fear aspect."
Bolukbasi. Opmeer. Fraga. Leigh. Rasmussen. Bonito. Clay. Baldwin. The list goes on – F1 Esports-affiliated drivers who have torn it up on the physical track. And while the F1 Esports Series is a championship in its own right, it has been incredible to see so many drivers add on-track driving to their CV, alongside virtual.
"The dedication and the time required to develop the skills for sim racing is huge." Continued Chadwick.
"Those skills are transferable, and whether that's just the ability to learn and spend time and be disciplined, to then transfer them into real racing – I think it's more that skillset that is beneficial rather than the actual feeling of the brakes or the feeling of the throttle. It's more the understanding of the time it takes to develop these skills and be successful on track."
"I've been impressed with quite a few sim racers. James Baldwin last year was really impressive, but he had done a bit a circuit racing prior to last year. So I'll say Igor Fraga, because I was watching him in his first year of cars and Formula Regional, and what people would say is the hardest part is the race craft, and his race craft was really good even when his ultimate pace wasn't there."
Baldwin and Fraga have both made waves during their F1 Esports careers, but who will do that in 2021? The F1 Esports Pro Exhibition is rapidly sneaking up on us! Join us on Thursday, May 27, where the 10 official F1 Esports Teams will get the chance to analyse and select their talent options for the 2021 Pro Championship.
Cem Bolukbasi to Race in Formula 2 in 2022!
OPMEER DEFENDS F1 ESPORTS CROWN AS RASMUSSEN WINS FROM P10
OPMEER PUTS ONE HAND ON THE TROPHY WITH MEXICO WIN
GRAND FINAL PREVIEW: Opmeer, Blakeley, or Rasmussen?
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"Quality 1st, Honesty as base, Sincere company and mutual profit" is our idea, in an effort to create consistently and pursue the excellence for Fabric Hot Fusing Machine , Tube Bonding Machine , Maquina De Coser , We are sincerely wanting forward to creating good cooperative associations with shoppers from in the home and overseas for making a vivid foreseeable future collectively.
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Since 1928, Asplundh has been dedicated to safe, efficient and innovative line clearance services to the utility industry. At Asplundh, your contributions are essential for restoring power to communities by being a part of a team that helps to keep electricity flowing after disaster strikes.
Asplundh promotes an environment of compassion, empowerment, transparency, inclusion and respect. We enjoy a family-like culture, working in nature, and working responsibly with dangerous equipment. We problem-solve as a flexible team and are always ready to learn and grow with the Company.
We expect active, constructive employee engagement for the improvement of the team, and the company commits to continual employee development. We offer you a "Safety First" culture, industry-leading training and equipment, career advancement opportunities across the country, job stability no matter the economic climate, and competitive benefits. Join the family and experience the stability and happiness of a career with Asplundh.
· The key work for this person will be around receiving and interpreting tree trimming and spraying orders from a General Foreperson or Line Clearance Supervisor of the utility, which requires the understanding of drawings and symbols representing lines, voltages, line equipment, etc.
· Planning and laying out daily work for crew by assigning work for individual crew members and directing the crew in performing work according to accepted line clearance practices while controlling crew costs, including effective use of Peoplepower, work methods, operation of equipment, etc.
· We will also need you to field requirements and taking independent action without close supervision while promoting and maintaining good customer and public relations through effective completion of assigned work and the appropriate behavior of employees on the crew.
· Maintaining accurate records, timesheets and reports related to the performance of the crew operation.
· Furnishes General Foreperson and utility representative with reports of orders completed, units of work completed, crew time, and distribution, etc.
· Periodically furnishes reports on incidents, truck breakdowns, private property damage, new employee follow –up, etc.
· May be delegated the authority to investigate incident reports, damage claims, etc., and to settle minor damage claims.
· Making sure safe work practices are implemented using experience, discernment, company policy, and OSHA specifies to craft safe outcomes and conducts safety training in accordance with company policies and procedures.
· Safeguarding the public from hazards in and around work area. Cooperating with customers, police, and fire departments when blocking streets or driveways.
· Setting up barriers, warning signs, flags, markers, etc., to protect employees and public.
· Inspecting and makes or provides for necessary repairs to tools, truck, and other equipment.
· Responsible for DOT maintenance and inspection requirements on all required vehicles.
· Keeping informed regarding new equipment, specifications, standard practices, operating procedures, and customer and company employee relations policies and practices, including EEO and AA policies.
· Conducting field training/retraining and instructs crew on new or revised job units.
· In emergency situations, determines action to be taken to eliminate hazards to life and property.
· Trimming and/or removing trees by climbing with the aid of a ladder, safety belt, climbing line, powered trimmer lift truck, or working from the ground using gasoline, air, and hand-powered saws, pruner, etc.
· Cutting branches or trunk sections and drops or lowers them to the ground with lines.
· Using wedges, sledges, and a one or two-man crosscut or chainsaw when falling trees or trimmed trunks and in cutting and splitting logs into manageable pieces.
· Spraying stumps and brush with hand-spraying equipment to prevent further growth.
· Loading and unloads trucks with logs, stumps, brush, and debris and/or feeds brush into a powered chipper.
· Repairing slight damage to lawns, fences, and walks caused by tree trimming.
· Relaying hand-signals, directs traffic, drives, and operates trucks and equipment, as assigned and keeps trucks and work area clear and orderly, as well as helps train new employees.
· Assuming responsibility for the inspection and proper working conditions of tools, truck, and other work equipment.
· Requests repair or replacement, when necessary. Maintains good housekeeping on truck and at work locations.
· Working in all temperatures and weather while being exposed to nature, i.e., irritating plants and biting or stinging insects, dust, etc.
· You will also be working safely around hazardous equipment, in proximity to energized power lines as well as around excessive noise from machines, chain saw, wood chipper and other equipment with hearing protection.
· Maintaining good housekeeping on truck and at work location.
· Working safely at varying heights above ground and on unlevel terrain.
· Obtaining oral or written permission from property owners to trim or remove trees and apply herbicides.
· Discussing issues such as obtaining access, power interruption, work to be done, etc., with customer or property owner.
· Discussing responsibility for apparent damage to property, repairing minor damage, and referring controversial cases to the General Foreperson.
· Safely drive an approved company vehicle and enter and exit a vehicle numerous times a day.
· Withstand exposure to all kinds of weather while completing work assignments, i.e., rain, heat, sun, cold while having no fear of heights.
· Use your excellent communication and leadership skills, including writing reading and comprehending written and verbal job instructions and information.
· Work with hands above head for extended periods of time and be able to operate and service all required tools and equipment.
· Due to the capacity of existing equipment, the weight of the employee should not exceed approximately 300 pounds.
· Have the endurance necessary to perform these duties throughout a standard eight- or ten-hour day. This will be especially key during emergencies when you will often work long hours and overtime (including holidays, weekends, etc. Subject to call out work).
· Demonstrate and use excellent organization skills and be able to multi-task while in confrontational and stressful situations.
· Be able to have own transportation to and from the show up location.
We want to stress that because of our safety focus, and due to the inherently dangerous nature of the industry and requirements to work with or around hazardous equipment, you will need to be able to maintain attention and concentration for extended periods of time. These are highly physical jobs, for which we want to be clear with you about the physical requirements.
· Safely walk, climb, and work from ladders, or at various heights, on uneven and slippery surfaces and terrains, performing mentally/physically demanding work under unfavorable weather conditions while handling equipment or material.
· Wear necessary PPE as necessary.
· Have sufficient eyesight to judge distances and coordination to get and use the appropriate equipment and tools.
· Lift, move and maneuver up to 50 pounds on an infrequent basis, and up to 10 pounds on a frequent basis.
· Pass a pre-employment drug test.
Rarely (less than 10%): Includes kneeling, crawling, sitting, climbing stairs, and the use of color vision.
Occasionally (up to 33% of the time): Includes body movements like stooping, squatting, pushing, climbing ladders, climbing on and off trucks and reading and lifting up to 50lbs.
Frequently (up to 66% of the time): Walking, hearing, speaking clearly over a wide // of distances, manual dexterity, twisting, carrying, pulling, balancing, and lifting up to 10lbs.
Continuously (67%-100% of the time): Standing, having a Range of Motion, using your vision (seeing), depth perception, seeing far away (distant) objects, reaching, climbing, gripping, sense of touch, and lifting 10-50lbs.


Should I Use the Oral Surgeon Recommended by My Dentist?
If your dentist has recommended an oral surgeon for a procedure you need, do you have to use that surgeon? The obvious upside to using the recommended oral surgeon is that your dentist knows him or her and is confident in the surgeon's capabilities and expertise. But what if the oral surgeon is out of network, is far away, or isn't accepting new patients?
Just because you receive a referral for a specific oral surgeon, you don't have to accept the first suggestion. Like shopping around for a dental office that fits your lifestyle, you have the ability to shop around for the right oral surgeon for you. Here are a few factors to help you determine if you should visit the recommended oral surgeon or find someone on your own.
Oral surgery can sometimes fall in the gray area between medical and dental insurance. To complicate this, recommended oral surgeons may or may not be "in network" depending on your insurance plan. Others still may have higher copay costs or higher prices on the procedure, which could mean more out-of-pocket costs for you. Make sure to get a cost estimate from your recommended oral surgeon, and call your insurance company to find out what your portion will be.
Depending on the procedure, you may be put under anesthesia – or at the very least, may not feel like traveling a long distance back home. For this reason, location is an important part of the selection process. Research the office location and map the distance it will take you to get there and home.
Oral surgeons are specialists just like other surgeons in their field, and may have interest or experience in certain types of conditions. For instance, one oral surgeon may have extensive experience and training in birth defects, while another specializes in dental implants; just like one orthopedic surgeon might specialize in hip surgery, while another focuses only on treating spinal disorders.
Your dentist may have recommended an oral surgeon because he or she is the best in the area for your specific condition.
You should feel comfortable with your dentist and oral surgeon. If you have a preference for a specific oral surgeon, perhaps a surgeon you've had surgery with previously, you may consider going back to him or her for a consultation regarding your current diagnosis. Personal relationship and trust are two factors that are intangible, but very important when it comes to health care.
Oral & Maxillofacial Surgery of Utah provides the highest quality care in three convenient locations in Utah. If your dentist has recommended an oral surgeon from our practice, contact us today for a free consultation.
This entry was posted in Latest News on December 11, 2015 by admin.


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Q: Does $\int_{1}^{2}\frac{dx}{\sqrt{(2-x)\ln(x)}}$ converge? I have improper integral $$\displaystyle \int_{1}^{2}\frac{dx}{\sqrt{(2-x)\ln(x)}}$$ and I need to find out if it converges/diverges. Now I don't if my thinking is correct:
$\displaystyle \int \frac{dx}{\sqrt{\ln(x)}}$ goes to $0$ slower than $\displaystyle \int \frac{dx}{\sqrt{x}}$, thus from integral comparison: $$\displaystyle \int_{1}^{2}\frac{dx}{\sqrt{(2-x)\ln(x)}} < \int_{1}^{2} \frac{dx}{\sqrt{x}}$$ it diverges. Is this correct? Thanks.

A: I solve the improper integral firstly by take it apart at $3/2$:
$$\int_1^{3/2}f(x)dx+\int_{3/2}^2f(x)dx$$
Now in the first integral we see that $$\lim_{x\to 1^+}\sqrt{x-1}f(x)=1<\infty$$ And for the second one we get $$\lim_{x\to 2^-}\sqrt{2-x}f(x)=1/\sqrt{\ln 2}<\infty$$ Therefore, both are converge and so the summation converges.

A: Bounding above the integral by a convergent one does not prove the integral diverges.
Actually it converges. The integrand is non-negative and

*

*at $2$, we have $\frac 1{(2-x)\log (x)}\sim \frac 1{(2-x)\log 2}$, and the integral $\int_{3/2}^{2}\frac{\mathrm dx}{\sqrt{2-x}}$ is convergent;

*at $1$, using $\log(1+t)\overset{t\to 0}{\sim}t$, we have $\frac 1{(2-x)\log (x)}\sim \frac 1{\log(x-1+1)}\sim \frac 1{x-1}$.

redpajama_set_name: RedPajamaStackExchange


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Whole Foods Market Debuts Own Brand Vegan Cheese
© womue – stock.adobe.com
Whole Foods Market, known in the USA and the UK for its organic produce; has launched vegan cheddar cheese slices and shreds under its own brand called 365, due to the rising demand for plant-based alternatives for dairy produce. Vegconomist reported in November last year that Whole Foods Markets' top trend predictions for 2019 included plant-based and meat-free foods.
The new palm oil-free line claims to "melt and stretch" like the original cheddar and retails at $3.99.The grocery chain already offers a variety of vegan cheeses made by other brands, including Follow Your Heart, Daiya Foods, and Miyoko's Kitchen.
In 2018 Whole Foods debuted a line under its 365 brand of vegan almond milk-based ice cream with flavours such as Salted Pecan Bourbon, Cherry Bourbon and Irish Whiskey.
Whole Foods Market was founded in 1980 with the idea that how food is grown and produced matters. In 1997, they launched the 365 Everyday Value line. Whole Foods Markets has 497 stores in North America and the United Kingdom. In 2017 the grocer merged with Amazon increasing its distribution abilities beyond the stores.
PETA UK's Vegan Food Awards Winners 2021 Revealed October 19, 2021
International V-Label Awards 2022 Winners Revealed November 10, 2022
Expo West 2022 Recap - The Top 8 Plant-Based Innovations March 16, 2022
Bel Brands USA: "There is a Tremendous Opportunity in the… November 11, 2022


The Internet of Things (IoT) market has tremendous potential and is highly competitive. But for the IoT market to fulfill its potential, companies developing products and services in this space need to figure out how to better connect with consumers.This report will help companies better understand how to connect with consumers and gain a competitive advantage.
Thursday, October 4, 2018 — According to advisors, American Funds, First Trust and Vanguard offer the best overall website experience, and are, therefore, poised to gain the most momentum with their digital marketing outreach.


An Amazon automated machine at its New Jersey warehouse punctured a can of bear repellant, releasing toxic fumes on Wednesday, hospitalising 24 employees. One employee is in critical condition and 30 others were treated on the scene. "All of the impacted employees have been or are expected to be released from hospital within... 24 hours," an Amazon spokesperson said.