UC Irvine's PPE program provides labs with personal protective equipment (PPE) at no charge. Each eligible lab member will receive 2 lab coats, a pair of safety glasses and a pair of splash goggles for the duration of their time at UCI.
Fittings are by appointment only. Please visit http://ucippe.ycb.me to book an appointment. If no times are available, please contact ehs-ppe@uci.edu to request an appointment.
The University of California policy and regulatory standards require the supervisor to select Personal Protective Equipment (PPE) for workers under their supervision based on an assessment of hazards in the workplace which those workers are likely to encounter.
The Laboratory Hazard Assessment Tool (LHAT) facilitates the identification of hazards and identifies Personal Protective Equipment (PPE) to be used during the specified work activities. The LHAT must be updated as hazards and personnel change, and at least once every 3 years, irrespective of changes to hazards or personnel. The LHAT will provide a summary report of hazards present in the laboratory and the PPE recommended for laboratory workers. Use of the LHAT tool is required for all laboratories using chemicals, biological agents, radioactive materials or other hazards.
Principal Investigators must access and authenticate the LHAT system in order to allow admittance for laboratory personnel. As a Principal Investigator, you may choose to complete the hazard assessment or delegate the task to your Safety Representative.
Select "University of California-Irvine" from the drop-down list of institutions.
Add lab personnel to roster.
Denote Safety Representative or Laboratory Manager as "Delegate" (Optional).
Completes hazard assessment - PI or Delegate (takes 15-30 min).
Certify assessment - PI only.
Invite lab personnel to complete LHAT - PI or Delegate.
Review the lab's hazard assessment and complete the 6-minute training video and 10 question quiz.
Print out the PPE voucher upon completion of the LHAT training.
Choose an appointment time at http://ucippe.ycb.me to be fitted for a lab coat, safety eyewear, and/or other Personal Protective Equipment at the EH&S Facility: 4600 Health Sciences Rd. Building 41 on the campus map.
Fitting Day- Bring a printed copy of your PPE voucher to your fitting session. We need an actual paper copy. Electronic copies are not acceptable!
IMPORTANT: If you wear prescription eye glasses, please bring them with you to your PPE fitting appointment so you can be fitted with protective eyewear that fits over your glasses.
Thank you for contributing to the safe and healthy work environment at UCI. Please ensure that you are wearing long pants, closed toed shoes, the appropriate lab coat and protective eyewear in the lab areas. Wearing prescription glasses alone will not protect your eyes from impact!
If you have any questions about the UC PPE policy, staying compliant or PPE spot-check results, please email ehs-ppe@uci.edu or call 949-824-6200.
IMPORTANT NOTE: Lab coats must be laundered by a laundry service that adheres to Title 8, Section 5193 of the California Code of Regulations. Do not wash your lab coat at home.
What do I need to know about the new policies?
The Laboratory Safety Training and the Minors in Laboratories & Shops policies became effective on October 31, 2013 and the PPE policy became effective on March 31, 2014.
The policy changes will affect all laboratory workers including undergraduate and graduate students, postdoctoral scholars, faculty or other academic appointees, staff, visitors and volunteers.
My PI has a bunch of lab coats already in the lab. Can't I just wear one of those?
Due to Cal/OSHA Title 8 regulations Section 3380, no coat should be used in the lab as a "general use" lab coat. Each member of a lab must be personally fitted for a lab coat and safety glasses. Additionally, coat standards have become more rigorous. Please review the Lab Coat Guide to determine the coats you will need to use in your lab. The light blue coats issued from TANGO in 2011 should NOT be used as a Flame Resistant Coat as they no longer meet the new UC requirements. All lab coats have an expiration date of 3-5 years depending on their use and condition. If your lab coat has any holes, please discard it or contact ehs-ppe@uci.edu or 949-824-6200 for recycling.
I think I received too many coats. What is the difference?
Each person is issued at least 2 coats. The extra coat is provided for you to wear while your first coat is being washed. If you received different types of coats and are unsure of when to switch or use them, please refer to the Lab Coat Guide. Note: If you feel you received a coat in error, please contact ehs-ppe@uci.edu or 949-824-6200.
Where do I drop off my lab coat for laundering services?
There are 6 laundry drop-off/pick up sites. Please reference the map located in the sidebar.
Upon receipt of the PPE, each researcher has the option to select a "home" location for their lab coat. When a lab coat is dropped off for cleaning at any one of the 6 laundry locations, it will always return clean to its home location. EH&S can assign or change your laundry location. If you need to inquire or change your laundry location, please contact ehs-ppe@uci.edu.
When does Mission Linen Supply come to pick up our lab coats?
Mission Linen Supply provides laundry services for our campus every Wednesday.
What is the laundering turnaround for a dirty lab coat?
The first time a lab coat is dropped off, expect a 3 week return time to allow for barcoding. Once the lab coat has been barcoded at a Mission Linen Supply facility, the turnaround time decreases to 1 week.
I received a traditional white lab coat but I want a blue flame-resistant (FR) lab coat (and vice versa).
Unfortunately, the type of lab coat you received was determined by your Principal Investigator when he/she completed the Laboratory Hazard Assessment Tool. If you feel the type of lab coat you received was made in error, please discuss this with your PI or contact the PPE Coordinator at ehs-ppe@ci.edu, or 949-824-6200. The blue flame-resistant lab coat possesses the same properties as a traditional white lab coat except that it is also flame-resistant. Thus, the issuance of a flame-resistant coat trumps the issuance of a traditional coat.
Is my flame-resistant (FR) lab coat chemically treated?
No, the blue FR lab coats provided by EH&S are made of Nomex, an inherently flame-resistant material.
I received a barrier lab coat. Are there tips on how to properly use it?
The Cal OSHA Bloodborne Pathogen Standard (Title 8 CCR 5193) requires employees who work with human blood, certain body fluids and human tissues and cells to wear PPE that does not permit the fluids to get to the person's skin or personal clothing. The material in the Barrier Lab Coat meets this requirement. When using the Barrier Lab Coat, make sure the elastic cuff on the sleeve is not exposed but is under the cuff of your gloves.
What should I do if I leave the University?
Please return your issued coat to EH&S. You can contact the PPE Coordinator for details at ehs-ppe@ci.edu, or 949-824-6200.
What should I do if I'm switching labs?
Please take your PPE (eyewear and lab coats) with you to your new lab. Ask your new PI to add you to their LHAT. Then email ehs-ppe@uci.edu and we will transfer your information and give you any additional PPE needed for your new group.
What are the browser requirements for LHAT?
LHAT makes use of recent standards in web development and includes HTML5 features which are not supported in Internet Explorer 8. We highly recommend using the latest version of one of the following browsers for the best experience in LHAT: Mozilla Firefox, Internet Explorer (10 or higher), Apple Safari, Google Chrome.


This mild spice mixture is ideal for anyone who does not like things spicy hot.
Set Sun Oven out to preheat. Spray a baking pan with cooking spray.
Use a spice mill* to grind the mustard seeds, cumin seeds, and peppercorns into a large bowl. Stir in the garlic, ginger, oil, and salt. Use 1 tablespoon of the spice mixture to rub under the skin of each thigh. Arrange the thighs, skin side up, in the prepared pan. Add the apples and onion to the remaining mixture in the bowl; stir to coat. Scatter the apple onion mixture around the chicken. Cover the pan with a second baking pan and transfer to the Sun Oven. Cook until the juices run clear, 1 1/2 to 2 hours. Remove skin before serving. Serve over rice or couscous.
*If you don't have a spice mill place the seeds and peppercorns in a large zip-lock plastic bag. Press out the air and seal the bag and use a meat mallet to crush the mixture.
We really enjoy this oven. I set it up mid-day and usually cook a chicken. It comes out perfectly. I used it to dry sliced apples and then froze them. It took about 2-3 hours. In our desert area it usually gets up to about 300-350 degrees. I follow the directions and rotate the oven slightly to get the best of the sun.


text:
Dragon Quest XI S Definitive Edition comparison — Define "definitive"
The best version, but maybe not quite the perfect one.
By Tim McDonald December 8, 2020
I'm not going to lie: the PC announcement of Dragon Quest XI S: Echoes of a Fallen Age — Definitive Edition (which I will never again refer to by its full name, because come on) caught me by surprise. Getting Dragon Quest XI by itself on PC was a little unorthodox, though we've been getting more and more Square Enix releases as time passes. But the super-duper Switch re-release with all sorts of additions? Yeah, that was a surprise. One that deserves a closer look through a Dragon Quest XI S comparison, no less.
There are two other surprises here, of a sort, but neither are pleasant. The first is that there's no loyalty discount for owners of the original Dragon Quest XI. If you already pumped 100 hours into that on Steam, then the Definitive Edition will still cost you $40 USD. Which is the same price it'll cost anyone who skipped the initial release and is making this their first experience.
The other is that the Dragon Quest XI S is a port of the Switch version. While it has a lot of PC bells-and-whistles, like support for uncapped framerates and huge resolutions, it's still the Switch game. This means, in theory, that there are lower-quality textures and visual effects. We'll be taking a close look at that a bit later.
Tick, tock, Tickington
Still, you're getting a lot of meat in this package. The original release could easily take 80-120 hours if you wanted to do the post-game content, and Dragon Quest XI S adds a bit more. One of the biggest additions is Tickington, an extra town available just before your first trip to Gallopolis.
I wasn't kidding about it having a graphical downgrade.
This 2D-only town has you warp back to areas from previous Dragon Quest games to right the awry timelines. The first, for instance, has you hop back to Galenholm from the first Dragon Quest, where you need to fight a monster to recover the Lyre of Ire — a crucial item which the protagonist of that game would eventually need.
There are sidequests to do, characters to talk to, and… well, it's just a lovely little nod to Dragon Quest's past. So far, these have been pleasing nods if you're familiar with the games. And even if you're not, it's more content to explore.
In all seriousness, though, Dragon Quest XI S still looks absolutely smashing.
Dropping a dimension
This brings us onto one of the other major additions, which is that the entirety of Dragon Quest XI is now playable in classic 2D. I both love and hate this. I adore seeing the world of Dragon Quest XI in 16-bit glory, and I very much approve of just how "classic" it is. Everything is in full SNES mode from the music to the little hopping sprites when characters are angry. Even the battle screen is "classic" to the extent of not being able to see your characters' max HP unless you're trying to heal them. And yes, you choose all actions and then things play out for that turn, rather than choosing right before your character acts.
The flipside is that it needs to maintain balance with the 3D version, because… well, it's still the same game. As such, 2D Dragon Quest XI S takes another, nastier cue from older JRPGs: the encounter rate is through the roof. I'm talking an encounter every two to four steps. In 3D mode you can basically fight whatever, whenever you want, because all enemies appear on screen. Not only that, but traversal takes a lot longer. In 2D mode, you'll be fighting all the damn time, just like in the good old days. Good luck if you step out of a town, walk a few steps, and realize you meant to go back and buy something. That'll be nine encounters. Somehow.
You can't just hop in and out of this on the fly, though: you'll need to create a save and then begin whatever chapter you desire anew, in either 2D or 3D. Still, you get to keep all of your experience and items, and 2D tends to be a lot quicker to traverse. As long as you switch (no pun intended) as you're starting a new chapter, there's barely any time loss.
Defining the Definitive Edition
Those are the biggest additions, though some of the others are pretty sizeable. There are new sidequests for each party member, for instance, which I can't comment on because I'm not that far in yet.
The music has been replaced with full orchestrated music by default, too, with Dragon Quest XI's synthesised tracks remaining as an option. You can switch character appearance to any cosmetic-changing sets you have, without being forced to have that equipment's stats. Japanese voice tracks are in, if you (for some reason) don't enjoy the OTT accents of the base game. And if you really want it, there's a photo mode you can use to make your characters pose in front of something pretty.
Finally, there are a load of quality-of-life updates. You can craft with the Fun Size Forge at any time, not just at camp. Battles can be ramped up to Ultra-Fast, which makes them pass in the blink of an eye (which I wouldn't recommend for some bosses, but hey). And, excellently, you can chat to Erik and he'll tell you how many treasures remain in the area, which makes hunting for that last chest a snap. Assuming it's one you can reach before later in the game, anyway.
This is all good. But there's one area where Dragon Quest XI S Definitive Edition is actually a step back.
And then, the graphics
That step back is with the graphics. As mentioned, Dragon Quest XI S Definitive Edition is a port of the Switch version. While it has lovely PC resolutions and framerates (and plays just fine) it… has suffered a graphical downgrade.
I do love that even the 2D version keeps the character cosmetics in the sprites. Note Serena in a dancer outfit, and the hooded protagonist.
The good news is that it's actually surprisingly difficult to tell without side-by-side comparisons. Dragon Quest XI is such a stylized game that a minor graphical downgrade doesn't actually make a big visual difference. Hell, if you're just looking at the thumbnails you may not be able to notice some of the changes.
But because this is a comparison piece, you're getting side-by-side comparisons.
Definitive.
Definitive again, because it's really hard to capture some mid-combat shots and see the effects in their full glory.
So, yeah. The textures are a little bit lower in quality, the colors aren't as vibrant, the combat effects aren't quite as shiny, and… the rocks are more jagged for some reason, especially in that first shot? There are a few very definite downgrades in some bits of terrain and the like. But it's near-impossible to tell, and the color vibrancy might actually be a net positive for you.
This leads us to the question of whether or not Dragon Quest XI S Definitive Edition is actually the definitive version of the game. In terms of content, there's no doubt. It's full of extra stuff and quality-of-life adjustments that make the already excellent JRPG even more pleasant and charming to play through. But… well, the graphics.
That said, the graphics really aren't a big downside. While you might occasionally go "this isn't as bright as I remember," that's about the worst of it unless your brain remembers Dragon Quest XI looking better than it actually did.
This brings us, at last, to whether or not you should buy Dragon Quest XI S Definitive Edition, and this comes down to a lot of things. It's a solid improvement over the original in almost every respect, and if you like JRPGs and don't already own Dragon Quest XI, it's a no-brainer.
But if you've already 100%ed the original, then the lack of a loyalty discount means you don't really need this — right now, at least. If you have plans of going back through the game, then sure, maybe, but this isn't a complete revamp or a new experience. For this reasoning, you can probably wait for a sale rather than dropping $40 USD right now. If you want to see it for yourself, the free demo lasts until the end of Hotto.
Dragon Quest XI S: Echoes of an Elusive Age
Dragon Quest XI: Echoes of an Elusive Age
Tim McDonald
Tim has been playing PC games for longer than he's willing to admit. He's written for a number of publications, but has been with PC Invasion - in all its various incarnations - for over a decade. When not writing about games, Tim can occasionally be found speedrunning terrible ones, making people angry in Dota 2, or playing something obscure and random. He's also weirdly proud of his status as (probably) the Isle of Man's only professional games journalist.
The latest Black Ops Cold War patch update prepares for Season One
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redpajama_set_name: RedPajamaCommonCrawl


text:
Ex UBS boss blames "mercenaries" for Libor debacle
The former chief executive of UBS blamed "mercenaries" for its role in the global interest-rate rigging scandal that has further undermined the Swiss bank's once venerable reputation.
UBS was fined a record $1.5 billion last month for manipulating Libor interest rates, the latest in a string of debacles - including a $2.3 billion rogue-trading loss and a tax avoidance row with the United States - that have rocked Switzerland's largest lender.
"In these pockets where we had these problems it wasn't probably a bad culture, but it was a lack of culture," Marcel Rohner told a British parliamentary panel investigating banking standards in the wake of the Libor scandal.
"When you grow a business too quickly you hire people from many different places and some of them ... you really have to qualify as mercenaries," he told the panel on Thursday.
Panel members accused Rohner and three other former UBS executives of gross negligence and incompetence for failing to detect the manipulation, which stretched back to 2005 and occurred when each of them had been in charge of the bank's investment business.
"The level of ignorance seems staggering to the point of incredulity," said Andrew Tyrie, who heads up the Parliamentary Commission on Banking Standards (PCBS). "Not only were you ignorant of what was going on, but you were out of your depth."
All four executives said the first they had heard of UBS's involvement in rigging Libor was from press reports in 2011.
Investigations by British, Swiss and U.S. regulators revealed rate manipulation on what the U.S. authorities called an "epic" scale.
UBS brokers and managers conspired with brokers to rig the rates to make money and openly boasted about what they were doing in emails and electronic chat rooms. Five internal audits failed to detect what was going on.
SHOCKED AND ASHAMED
Rohner said he was shocked and ashamed when he read about the rigging, but said during his period as CEO he was trying to save the bank from collapse and was unaware of the misconduct. He denied his leadership had been negligent.
"The times I was leading this institution were so extreme I was fighting permanently for survival," the Swiss national said in often heart-felt testimony. "I did the best I could."
Rohner was CEO for 20 turbulent months between 2007 and 2009, when UBS repeatedly had to tap shareholders for cash as it was forced to write down more than $50 billion worth of mortgage-related investments during the global financial crisis.
Thursday's panel session was the first public appearance by the 48-year old since he left the bank. He has not returned to full-time work.
Tyrie thanked Rohner and the other executives for showing contrition but panel member John McFall said they were like Captain Renault, the police captain in the film Casablanca.
"I would suggest you knew that gambling was going on and you went out the door with much more winnings than Captain Renault."
The British financial watchdog said interest rate rigging was so widespread at UBS that every submission it made over a six-year period from 2005 to 2010 inclusive was suspect.
Libor, the London interbank offered rate, is used as a benchmark for pricing trillions of dollars of loans globally. Even small inaccuracies in the rate affect investment returns and borrowing costs, meaning UBS and other banks implicated in the rigging scandal are at risk of costly civil lawsuits.
TANTAMOUNT TO STEALING
More than a dozen banks are under investigation in the Libor probe and further settlements with regulators are expected this year. Barclays paid a fine of $453 million for its role in the interest rate manipulation last year.
Under persistent questioning, Jerker Johansson, who headed the investment bank for just over a year from 2008, admitted management had been negligent not to detect the misconduct. He said the manipulation was tantamount to stealing.
UBS's new investment banking chief had on Wednesday outlined how the bank was axing 10,000 jobs and closing much of its fixed-income arm to focus on its flagship private banking business.
Rohner said pay structures needed to be linked to group profits and banks needed to be simplified and shrunk to avoid future scandals.
He said the two-tier board structure in place at many European banks, including UBS, did not work well during crises.
"It was dysfunctional. It means the supervisory board has all the responsibility but cannot act operationally ... that made the decision making a complete nightmare."
The PCBS, a cross-party panel of lawmakers, is expected to make recommendations on reforming the banking sector to government and the industry before the end of March.
The committee cannot compel the banks or the government to act, but its views are influential and Tyrie signaled its recommendations would be far-reaching.
"We've got to do far more than change the structure of banks. We fundamentally have to reform the governance, incentive structure and the overall supervisory approach right across the global financial industry," he said.
Thomson Reuters, parent company of Reuters, has been calculating and distributing Libor rates for Libor's sponsor, the British Bankers' Association, since 2005.
(Writing by Carmel Crimmins; Editing by Mark Potter)
Former Netflix CEO: 'Content' is key to winning streaming wars


Air toxics, also known as hazardous air pollutants, are a group of air pollutants that are known or suspected to cause serious health problems such as cancer, birth defects, lung damage, and nerve damage. Examples of air toxics include asbestos, chloroform, formaldehyde, mercury and nickel compounds, and perchloroethylene.
Asbestos is the name given to a number of naturally occurring fibrous silicate minerals mined for properties such as thermal insulation, chemical and thermal stability, and high tensile strength. Learn more.
Mercury is a naturally occurring element present throughout the environment. When released into the air as a result of human activity, it can become an air toxic. Learn more.
Some air toxics are also are released from natural sources such as volcanic eruptions and forest fires.
Recent studies on air toxics have focused on releases by a variety of small sources, including cars and trucks, construction machinery, printers, auto repair shops, and numerous other small businesses that use paints or chemical cleaners. Results indicate that although each of these activities may release only a small amount of toxic air pollution, the combined effect is significant in many cities.
People exposed to air toxics at sufficient concentrations and durations may have an increased chance of developing cancer or experiencing other serious health problems, including damage to the immune system as well as neurological, reproductive (reduced fertility), developmental, and respiratory problems.
Once toxic air pollutants enter the body, some persistent toxic air pollutants accumulate in body tissues. Since predators typically accumulate even greater pollutant concentrations than their contaminated prey, people and other animals at the top of the food chain may be exposed to higher concentrations of toxics than are found in water, air, or soil alone.
Toxic pollutants in the air or deposited on soils or surface waters can impact the environment. Animals, like humans, can experience health problems if exposed to sufficient concentrations of air toxics over time. Numerous studies conclude that deposited air toxics are contributing to birth defects, reproductive failure, and disease in animals. Persistent toxic air pollutants are of particular concern in aquatic ecosystems because the pollutants accumulate in sediments and may bioaccumulate in tissues of animals at the top of the food chain to concentrations many times higher than in the water or air.
Toxic pollutants that mimic hormones also pose a threat to the environment. In wildlife such as birds, shellfish, fish, and mammals, exposure to DDT, dioxins, mercury, and other pollutants has been associated with decreased fertility, decreased hatching success, damaged reproductive organs, and altered immune systems.
Drive less. Many air toxics, like benzene, come from motor vehicle exhaust. Try carpooling, using public transportation, combining trips, avoiding drive-thrus, driving the speed limit, and keeping your vehicle well tuned and in proper working condition.
Use cleaner-burning gasoline in your vehicle.
Do not open-burn trash, leaves, or other yard waste, or use burn barrels.
When possible, avoid consumer products containing toxic compounds. Read and follow all safety instructions. Products containing toxic compounds sometimes state, "use in a well ventilated area." Look for less toxic alternative products.
Air toxics are regulated by both state and federal programs. Idaho's Air Toxics Program regulates approximately 350 toxic air pollutants (TAPs), while EPA's federal program regulates 188 hazardous air pollutants (HAPs). Both TAPs and HAPs are referred to as air toxics.


Company Lawrence Appraisal Group Hawaii Inc is located in the city of Honolulu. The legal address of the company is Honolulu, Hawaii, 96801. Other interesting information can be found on working days by phone (808) 943-8583. The scheme of travel to the company can be viewed on the interactive map.


For the sake of girls who are just beginning life, let me tell the stories of some other girls who are now middle-aged women. Some of them have succeeded and some have failed in their purposes, and often in a surprising way.
I remember a girl who left school at seventeen with the highest honors. Immediately we began to see her name in the best magazines. The heavy doors of literature seemed to swing open before her. Then suddenly we heard no more of her. A dozen years later she was known to no one outside her own circle. She was earning her living as book-keeper in a large five-cent store! She led the life of a drudge, and that was not the worst of it. She was a sensitive woman, and there was much that was mortifying in her position. All her Greek and Italian books were packed away. She knew no more of science than when she left school. At odd minutes she read[Pg 8] good novels, and that was all she had to do with literature. Those who had expected much of her thought her life was a failure, and she thought so too.
Yet there is another side to the picture. The aim she had set for herself in life was not to be an author, though that idea had taken strong hold on her, and she tried to realize it in spite of great discouragements. This was her minor aim, but the grand aim with her had always been to lead the divine life at whatever cost. It proved to cost almost everything. Her utmost help was needed for her large family, which was poor. Unusual as her success with editors had been, no girl of seventeen could depend on a large income from magazines. A good salary was offered her as book-keeper, and she accepted it.
She tried to continue her favorite occupation by rising early, but she was not strong enough to go on long in that way. She sometimes had an hour in the evening, but when she saw the wistful look in her mother's face she would not shut herself up alone. At the rare times when she was still free to choose she went back to her books and her pen, but she could not do much, and at last she felt it would be better not to try. It was simply a source of vexation, and she needed a serene mind above all things.
The only way her life could open towards beauty or happiness at all was by putting the true spirit[Pg 9] into her daily work. With a resolute heart she did this. No books were ever more beautifully kept than hers; every figure was clear and perfect; every column was added without a mistake. In short, she did her work like an artist.
To the sales-girls she was like a guardian angel. She might have written good stories all her life without helping others half so much. Little, weak, frivolous girls became strong, fine women simply from daily contact with her. She did not realize that. She only knew that she loved the girls and that they loved her. She did know that she helped her family—with her money. Her spirit helped them unconsciously still more.
When at last she gave up the minor aim of her life, and no longer tried to be learned or famous, she had her energies set free for many little things which had previously been crowded out. It was easy now to find a leisure hour to help any one who needed sympathy. There was time to watch the beauty of the sunset or of the falling snow. If she had no time to scramble through a volume of a new poet, she could still learn line by line some favorite old poem, and let it sink into her heart, so that it did its work thoroughly. If she could not find time to learn the history of all the artists from the time of Phidias to the last New York exhibition, yet when a beautiful picture was before her she could look at it thoughtfully without feeling that she must hurry on to[Pg 10]the next. In this way, perhaps, she gained a more absolute culture than in the way she would have chosen, a culture of thought and character which told on every one who came near her.
She was always climbing up towards God, and his help never failed her. The climbing was hard, yet the pathway was radiant with light. Those who were stumbling along in the darkness by her side saw the light and were able to walk erect.
I cannot say she was altogether happy with so many of her fine powers unused. Perhaps she was not even quite right in sacrificing herself completely. Sometimes she fostered selfishness in others while she tried to cast it out of herself. But so far as she could see she had no choice. If she had refused the sacrifice, it would have been by giving up the grand aim of her life. Her minor aim was good in itself, but it conflicted with something better. Those who did not know her life intimately thought it a failure. Those who saw deeper knew that her utter failure in what was non-essential had been the condition of essential success.
I remember another brilliant girl who did win her way. She was poor and plain and friendless, but she won wealth and fame and friends, and then, with all this success, she blossomed into beauty. She had a struggle, but she came out[Pg 11] victorious. I think she was happy. She was glad to be beautiful and to be loved. She had music and pictures and travel in abundance, and she appreciated these things. She liked to give to the poor, and she did give bountifully and with a grace and sweetness better than the gift.
She painted pictures which everybody admired, and that pleased her. She had dreamed of all this when a child. She had genius and she had perseverance. Her aim was to be a famous artist, and she did not flinch from any work or sacrifice which would help her to that end. So far all was well, and she reached the goal. As there was nothing to prevent her carrying out secondary plans at the same time, she could be cultivated and charitable without giving up her great object.
She wanted to be good besides. She never deliberately decided for the wrong against the right. And yet a noble life was not first in her thoughts. When she was a school-girl she had a lover who was like a better self. By and by he chose to study for the ministry, while she went to the city to try her fortune. So far they shared every thought and feeling and hope. She knew she was a better woman with him than with any one else. But at last he was called to a remote country parish, and for himself was satisfied with it. But she—how then could she be his wife? Her heart was torn in the strife. Some women whose[Pg 12] vision was less keen would have married him, hoping that in some way they might still carry out their own ambition. But she was at a critical point in her career and she knew it. She had just begun to be known personally to influential people, and her name was beginning to be known to the public. She dared not risk leaving her post. She wrote her lover a charming letter,—for she did love him,—and told him how it was. "When I have won my victory," said she, "I shall be a free woman. And you will love me just as much when I have more to give you than I have now. But now I have my little talent confided to me, and I dare not fold it away in a napkin." Her lover agreed to this, though it was hard for him. They worked apart year after year. At last she was a free woman, with money enough to live without work at all, and with fame enough to work when and where she pleased. But gradually she cared less and less for the objects of her lover's life. She would not own to herself that she had failed in constancy to him. She always thought she was glad to see him when he came to the city. But he felt the difference in her, though he tried not to see it. She was far more beautiful than when he had first loved her; but in the days when she was so plain and had worn shabby dresses there had been an expression about her mouth which he missed now. The lovely face was still eager with longing, but[Pg 13] it had lost the look of aspiration. Reluctantly, he admitted the change in her. At last he told her what he felt, that she had ceased to love him. She had deceived herself so far that she had not realized how idle her excuses were for putting off the marriage from year to year. When the separation came she felt a sharp pang—as much of mortification at her own failure as of wounded love. Yet she consented to the separation, and she seemed to be happy after it. She thought her life had been tragic, and that she had made a heroic sacrifice of her love to the necessity which her genius laid upon her to do a certain work in the world.
I should be afraid to say that she was altogether wrong. There are, no doubt, some women who are meant to serve the whole world rather than the little domestic circle. And yet she did give up what she had believed the best part of herself. And her pictures, though they were admired, lacked an indescribable something of which her first crude sketches had given promise. I do not think that, after all, they did very much to interpret beauty to the world. She had two aims in life, both good, but she placed the first second, and the second first. Perhaps, on the whole, she was happier for the choice she made. But she missed something better than happiness which is always missed by those who make the lower aim their object—she missed the aspiration for higher happiness.
[Pg 14]I have seen many successful lives led by women who as girls showed very moderate abilities, simply because they had one definite aim. I knew a girl who became an excellent actress. She was a pretty girl with a little talent. She was not poor, but she had an ambition to be on the stage. She had the good sense to see that she was not a genius, but she also had courage enough to persevere in using the ability she had. For the first ten years she made so little apparent headway that even among her acquaintances many people did not know she had ever acted at all. In the mean time she had studied hard. She knew many popular plays by heart, and had carefully watched other actresses. She was acquainted with a number of theatrical people. She had always been at hand when a manager wanted an extra peasant girl, or when a waiting maid was ill. She had joined a small troupe traveling through the bleakest and roughest parts of the Northwest in midwinter. By and by she was fitted to be of use in a stock company. Then, after a few more years, she achieved what she had been striving for. She was able to take the slighter characters in the plays of Shakespeare. No one excelled her here. No great actress would take so small a part, and no small actress was willing to take such pains. Her power was unique and she was indispensable. Her name was seldom on the play-bills, but she added something to the culture of the world by[Pg 15] making the interpretation of Shakespeare more complete.
Her success came first from having a definite aim, and second, from understanding herself sufficiently to aim at something within her power; but happily it was also the highest thing within her power. She was both humble and aspiring. She showed her humility in shrinking from no drudgery, and satisfied her cravings for the ideal by doing the smallest thing in the best way possible to her. She enjoyed even her drudgery because she put the best of herself into it, but, more than that, she knew it was leading her exactly in the direction she wanted to go. If the drudgery had led to nothing she would have needed all the moral power of our little book-keeper to save her from misery. Her own happier life required some moral power, how much it is hard to say. A woman might do all she did and be little the better for it. It would depend on the aim she cherished in her heart. If she had no higher aim than to be a good actress her life did not avail much. But if her acting was only the minor aim, then her life was thoroughly noble as well as successful. Her choice of a minor aim makes it probable that she also had the highest aim. Otherwise she would have been either more or less humble. She would either have wished to be a star actress or have been contented with any trifling parts which brought her money and admiration.
[Pg 16]The best happiness comes from our perseverance in following the grand aim of life. But "the kind of happiness which we all recognize as such" is generally that which comes from the successful pursuit of our minor aim. Herbert Spencer says that every creature is happy when he is fully using his powers. I have known a girl with a magnificent voice who endured great hardships for a musical education, and who finally accomplished her purpose and enchanted the world with her singing. She was happy. Of course everybody expected her to be. But I have known another girl, equally happy, carefully working in the laboratory to find the water-tubes of a star-fish or the nerves of a clam. This girl said to me with a face bright with enthusiasm, "When I first began to work with Professor —— in the laboratory it was as if I had been traveling all my life in a desert land, and had suddenly come upon fountains of fresh water." She was as poor and obscure as my singer was rich and famous, but she was using her powers and was happy.
Of course the kind of happiness to be found even in secondary success depends on the great aim of any life. In some cases it almost seems as if the minor aim were the only one. The happiness it brings cannot go very high, yet so far as a looker-on may judge it feels like happiness. But most people—perhaps all, if we only knew it—do acknowledge the grand aim in life, even[Pg 17]though they make very little effort to reach it. When they consciously neglect this for the minor aim, they are uneasy and not thoroughly happy; but when the minor aim is good in itself and is always made subservient to the higher, success there does prove a well-spring of delight.
Spencer's remark is also true in the best sense, for no powers crave exercise so much as the higher powers. If my singer had done a sinful deed no applause could have made her happy. And, on a lower plane, if she had lost the husband she dearly loved, even her art would not have satisfied her.
It may seem as if I am choosing all my illustrations from among people who have special gifts, and that nothing I say applies to the great army of girls who will never be distinguished, and who are all the dearer for not wishing to be so. I have not forgotten this, but I began with striking illustrations because they are easiest to understand.
The grand aim of life should be the same for all, whether gifted or not. But the particular aim must vary with the individual. Probably with five girls out of ten the particular aim is to have a happy home. Once we might have said nine girls out of ten, but the present tendency of thought is to make girls ambitious,—too ambitious, it sometimes seems, for the very best of life.
Of course selfishness shows itself in various[Pg 18] ways, and the girl who wishes to have a happy home without thinking how she shall make a happy home may be more selfish than the girl who dreams of fame, but with the understanding that the price of fame is, and ought to be, the giving of some blessing to the world.
I know a delightful girl who seems to think of nothing but making others happy from the moment when she meets her maid with a cheerful "Good-morning," till she contrives that some less attractive girl shall have the most desirable partner in the ball-room in the evening. She gives her money and her time and her thought to the service of other people. This is so natural to her that no one thinks of her as making it a conscious aim, but the result is so beautiful as to suggest that it would be the best aim for every girl. Nevertheless she has a still higher aim, for sometimes the happiness of other people—at least their visible happiness—clashes with some other duty. Then she does not fail. She gives her hard refusal in pleasant but firm words, and she tells the truth even if it makes some one wince. She is not a genius, but, on the whole, I hardly know another girl so full of the best life. That her highest aim is the true one is without question, and that her minor aim is the true one for her must also be admitted. Whether it is so for all is not quite clear. She has the natural gift which makes all her ministrations to others acceptable, but every one is not so endowed.
[Pg 19]She has a cousin as unselfish as she is whose capacity is entirely different. She is a quiet, reserved, thoughtful girl, who always speaks slowly. She is just and good-tempered, and is ready to give her time and money when she sees she can be of use. But her thoughts move in other channels. She has excellent mathematical abilities, and she is always resolving some difficult problem. She hopes some day to do some work in astronomy. Of course she would be glad to do some great work and be known as a benefactor to mankind, but probably she works from love of her work more than from the hope of doing good. She, too, is charming, but it takes a long time to know her well.
Should one of these girls try to do the work of the other? Or is one better than the other? I think not, since both look so steadily towards the highest star in their field of vision. The minor aim of life must always have reference to the gifts of the individual. Even visiting the poor would become absurd if nobody did anything else.
If we believe in an overruling Providence we cannot of course say that anything is by chance; but so far as we can see, failure in this world—that is, failure to reach our minor aim—does sometimes seem to be due to a trifling accident. Yet success is not so. If Byron, for instance,[Pg 20] awoke one morning and found himself famous, it was because he had previously done the work which was suddenly recognized by the world. Indeed, none of us need look for success who does not choose a definite aim in life. And, more than that, no discouragement must turn us aside from it. We may fail in the end then, but we shall have followed the only possible path to success.
How shall we choose our aim? We know what our grand aim must be, and that if we do our part there we shall not fail, for we shall have God to help us; and we know that our minor aim must never be opposed to this. But what shall our minor aim be, or shall we be content to drift without any at all?
We must try to understand ourselves so far at least as to know what our own powers and tastes are, and choose accordingly. A young girl hardly knows her own bent. Then the uncertainty in regard to her marriage and the great change that necessarily makes in her pursuits renders the problem harder for her than for her brothers.
Most girls wish to be the centre of a happy home, but many of them are very careless about the means of making themselves fit to be such a centre. They think when love comes it will do everything, and it is true that it will do wonders. But suppose a girl remembers that if she is well she can make her family happier then if[Pg 21] she is always ailing,—suppose she remembers how much good housekeeping does to make a home attractive; that if she is musical her singing will calm the troubled waters, while if she is not her practicing will be a burden; that there are some studies which bear directly on life and some others which will be of infinite use to a mother in training her children,—is she not more likely to have a happy home than if her aim had been less definite?
But what of the girls who choose this aim and who never have a home? Their lot is hard, but they may add happiness to some home not their own. If they are not obliged to support themselves, they can probably create some kind of a home for themselves, though not that of their ideal. If they must earn their living, the problem is harder. Circumstances may force them into a widely different path from that they would have chosen. Then they must remember the grand aim of their lives, and do the best work they can for the sake of it. Still, they may use the home-making faculty in some measure in the humblest attic.
But there is a large and ever larger class of girls with other tastes than domestic ones. Here, I think, the danger is greater than in case of even the most unfortunate girls with domestic tastes; for tastes and talents do not always agree. We have all known girls willing to practice six hours[Pg 22] a day who could never be musicians, and most girls think they could write a book. Many people who are quite free to choose make too ambitious a choice. It seems a part of the office of culture to correct such ambitions. I have in mind a class of half-taught school-girls many of whom fondly hoped to be poetesses; and I remember a class of highly cultivated girls, who had had every advantage of education which money could buy, who were full of anxiety on leaving school because they could not see that they had capacity enough to do any work worth doing in the world. The general verdict among them was that as they had money they could give it to the poor, but that they had nothing in themselves. They were as much too timid as the others were too confident.
A girl who has to earn her living has a safeguard, for which few are very thankful. No one will pay her to indulge her tastes without reference to her talents. She finds out gradually what ought to be her minor aim, for she discovers the special service she can render to the world in return for what it offers to her. In most cases she wins a reasonable measure of success and happiness.
But some of us are obstinate. We see one pathway we long to tread even though it is beset with stones and briers. We are determined to take that way, even if we never climb high enough to penetrate the low-lying mists which[Pg 23] darken it. We would rather pursue even a little way the painful pathway which leads to the glorious mountain-top than to follow an easier path to some lower summit. If we truly feel that, we do well to take the path, for we have a right to forget ourselves for the sake of our aim. But if we ask for success after all, it is mere blind vanity which makes us so obstinate in our choice.
Let us remember that our direct usefulness in the world and most of our conscious happiness will depend on our choosing and steadily pursuing as our minor aim that for which our nature fits us, even if we wish our nature had been different; while our utmost usefulness and our highest happiness will depend on our clearness of vision in seeing, and our unwavering fidelity in following, the grand aim of life.


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text:
Hegedűs Tamás (1913–1980)  újságíró, zeneszerző, szövegíró, többek között a "Hamvadó cigarettavég" komponistája és szövegírója, zongorista
 Hegedűs Tamás (1968–) tanár, közgazdász, gazdasági szakértő, politikus, 2010-2014 között a Jobbik országgyűlési képviselője

Jegyzetek

redpajama_set_name: RedPajamaWikipedia


With the festive season fast approaching, each day we count down our favourite cars on sale today.
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text:
Characteristics of lipase-catalysed hydrolysis of triacylglycerols in Aerosol-OT/iso-octane reverse-micellar media
M. T. Patel, R. Nagarajan, Arun Kilara
In a reverse-micellar system of Aerosol-OT [bis-(2-ethylhexyl) sodium sulphosuccinate]/iso-octane, triacylglycerols (TAG) could be hydrolysed up to 6098%, depending upon the enzyme source. Hydrolysis reactions obeyed Michaelis-Menten kinetics and exhibited a linear relationship of the initial rate with enzyme concentration, which suggests that the reaction rate in reverse micelle is kinetically controlled and not limited by mass-transfer considerations. The kinetic parameters for hydrolytic reactions are related to enzyme source and physicochemical characteristics of substrate. The Michaelis constant (K(m)) and maximum reaction rate (V(max.)) for hydrolysis of olive (Olea europaea) TAG by Rhizopus javanicus lipase were significantly higher than that by Candida cylindracea lipase. The kinetic parameters for coconut TAG were lower than that of olive TAG. The K(m) and V(max.) for TAG hydrolysis increased with increase in reaction temperature and decreased with increase in reaction pH. Buffer components may have considerable effect on enzyme activity and R-activity (R is the molar ratio of water to surfactant) profile of lipases in reverse micelles. When considering the influence of reaction variables on lipase-catalysed reactions for practical purposes, the initial rate as well as reaction rate over extended periods of time should be studied. The effect of reaction variables, surfactant concentration as an example, could be different on initial rate and degree of hydrolysis at 24 h. Lipase activity is rapidly reduced in reverse-micellar media in absence of any substrate. The effect is severe at higher value of R. The stability of enzyme in reverse micelles is also related to enzyme source. Reverse-micellar systems, in conjunction with other bioseparation techniques, could be used for lipase-catalysed bioconversion of TAG and other sparingly-water-soluble compounds for the production of value-added products.
Biotechnology and Applied Biochemistry
Dive into the research topics of 'Characteristics of lipase-catalysed hydrolysis of triacylglycerols in Aerosol-OT/iso-octane reverse-micellar media'. Together they form a unique fingerprint.
Dioctyl Sulfosuccinic Acid Medicine & Life Sciences 100%
Lipases Engineering & Materials Science 89%
Triglycerides Engineering & Materials Science 85%
Hydrolysis Engineering & Materials Science 70%
Aerosols Engineering & Materials Science 70%
Isooctane Chemical Compounds 69%
Lipase Medicine & Life Sciences 64%
Patel, M. T., Nagarajan, R., & Kilara, A. (1995). Characteristics of lipase-catalysed hydrolysis of triacylglycerols in Aerosol-OT/iso-octane reverse-micellar media. Biotechnology and Applied Biochemistry, 22(1), 1-14.
Patel, M. T. ; Nagarajan, R. ; Kilara, Arun. / Characteristics of lipase-catalysed hydrolysis of triacylglycerols in Aerosol-OT/iso-octane reverse-micellar media. In: Biotechnology and Applied Biochemistry. 1995 ; Vol. 22, No. 1. pp. 1-14.
@article{ba13a3fd7f994199bc85d6ce73e9e4a1,
title = "Characteristics of lipase-catalysed hydrolysis of triacylglycerols in Aerosol-OT/iso-octane reverse-micellar media",
abstract = "In a reverse-micellar system of Aerosol-OT [bis-(2-ethylhexyl) sodium sulphosuccinate]/iso-octane, triacylglycerols (TAG) could be hydrolysed up to 6098%, depending upon the enzyme source. Hydrolysis reactions obeyed Michaelis-Menten kinetics and exhibited a linear relationship of the initial rate with enzyme concentration, which suggests that the reaction rate in reverse micelle is kinetically controlled and not limited by mass-transfer considerations. The kinetic parameters for hydrolytic reactions are related to enzyme source and physicochemical characteristics of substrate. The Michaelis constant (K(m)) and maximum reaction rate (V(max.)) for hydrolysis of olive (Olea europaea) TAG by Rhizopus javanicus lipase were significantly higher than that by Candida cylindracea lipase. The kinetic parameters for coconut TAG were lower than that of olive TAG. The K(m) and V(max.) for TAG hydrolysis increased with increase in reaction temperature and decreased with increase in reaction pH. Buffer components may have considerable effect on enzyme activity and R-activity (R is the molar ratio of water to surfactant) profile of lipases in reverse micelles. When considering the influence of reaction variables on lipase-catalysed reactions for practical purposes, the initial rate as well as reaction rate over extended periods of time should be studied. The effect of reaction variables, surfactant concentration as an example, could be different on initial rate and degree of hydrolysis at 24 h. Lipase activity is rapidly reduced in reverse-micellar media in absence of any substrate. The effect is severe at higher value of R. The stability of enzyme in reverse micelles is also related to enzyme source. Reverse-micellar systems, in conjunction with other bioseparation techniques, could be used for lipase-catalysed bioconversion of TAG and other sparingly-water-soluble compounds for the production of value-added products.",
author = "Patel, {M. T.} and R. Nagarajan and Arun Kilara",
journal = "Journal of Applied Biochemistry",
Patel, MT, Nagarajan, R & Kilara, A 1995, 'Characteristics of lipase-catalysed hydrolysis of triacylglycerols in Aerosol-OT/iso-octane reverse-micellar media', Biotechnology and Applied Biochemistry, vol. 22, no. 1, pp. 1-14.
Characteristics of lipase-catalysed hydrolysis of triacylglycerols in Aerosol-OT/iso-octane reverse-micellar media. / Patel, M. T.; Nagarajan, R.; Kilara, Arun.
In: Biotechnology and Applied Biochemistry, Vol. 22, No. 1, 01.01.1995, p. 1-14.
T1 - Characteristics of lipase-catalysed hydrolysis of triacylglycerols in Aerosol-OT/iso-octane reverse-micellar media
AU - Patel, M. T.
AU - Nagarajan, R.
AU - Kilara, Arun
N2 - In a reverse-micellar system of Aerosol-OT [bis-(2-ethylhexyl) sodium sulphosuccinate]/iso-octane, triacylglycerols (TAG) could be hydrolysed up to 6098%, depending upon the enzyme source. Hydrolysis reactions obeyed Michaelis-Menten kinetics and exhibited a linear relationship of the initial rate with enzyme concentration, which suggests that the reaction rate in reverse micelle is kinetically controlled and not limited by mass-transfer considerations. The kinetic parameters for hydrolytic reactions are related to enzyme source and physicochemical characteristics of substrate. The Michaelis constant (K(m)) and maximum reaction rate (V(max.)) for hydrolysis of olive (Olea europaea) TAG by Rhizopus javanicus lipase were significantly higher than that by Candida cylindracea lipase. The kinetic parameters for coconut TAG were lower than that of olive TAG. The K(m) and V(max.) for TAG hydrolysis increased with increase in reaction temperature and decreased with increase in reaction pH. Buffer components may have considerable effect on enzyme activity and R-activity (R is the molar ratio of water to surfactant) profile of lipases in reverse micelles. When considering the influence of reaction variables on lipase-catalysed reactions for practical purposes, the initial rate as well as reaction rate over extended periods of time should be studied. The effect of reaction variables, surfactant concentration as an example, could be different on initial rate and degree of hydrolysis at 24 h. Lipase activity is rapidly reduced in reverse-micellar media in absence of any substrate. The effect is severe at higher value of R. The stability of enzyme in reverse micelles is also related to enzyme source. Reverse-micellar systems, in conjunction with other bioseparation techniques, could be used for lipase-catalysed bioconversion of TAG and other sparingly-water-soluble compounds for the production of value-added products.
AB - In a reverse-micellar system of Aerosol-OT [bis-(2-ethylhexyl) sodium sulphosuccinate]/iso-octane, triacylglycerols (TAG) could be hydrolysed up to 6098%, depending upon the enzyme source. Hydrolysis reactions obeyed Michaelis-Menten kinetics and exhibited a linear relationship of the initial rate with enzyme concentration, which suggests that the reaction rate in reverse micelle is kinetically controlled and not limited by mass-transfer considerations. The kinetic parameters for hydrolytic reactions are related to enzyme source and physicochemical characteristics of substrate. The Michaelis constant (K(m)) and maximum reaction rate (V(max.)) for hydrolysis of olive (Olea europaea) TAG by Rhizopus javanicus lipase were significantly higher than that by Candida cylindracea lipase. The kinetic parameters for coconut TAG were lower than that of olive TAG. The K(m) and V(max.) for TAG hydrolysis increased with increase in reaction temperature and decreased with increase in reaction pH. Buffer components may have considerable effect on enzyme activity and R-activity (R is the molar ratio of water to surfactant) profile of lipases in reverse micelles. When considering the influence of reaction variables on lipase-catalysed reactions for practical purposes, the initial rate as well as reaction rate over extended periods of time should be studied. The effect of reaction variables, surfactant concentration as an example, could be different on initial rate and degree of hydrolysis at 24 h. Lipase activity is rapidly reduced in reverse-micellar media in absence of any substrate. The effect is severe at higher value of R. The stability of enzyme in reverse micelles is also related to enzyme source. Reverse-micellar systems, in conjunction with other bioseparation techniques, could be used for lipase-catalysed bioconversion of TAG and other sparingly-water-soluble compounds for the production of value-added products.
JO - Journal of Applied Biochemistry
JF - Journal of Applied Biochemistry
Patel MT, Nagarajan R, Kilara A. Characteristics of lipase-catalysed hydrolysis of triacylglycerols in Aerosol-OT/iso-octane reverse-micellar media. Biotechnology and Applied Biochemistry. 1995 Jan 1;22(1):1-14.


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text:
La société AllSecur Deutschland AG dont le siège social est basé à Munich est une filiale du Groupe Allianz Deutschland AG. Allsecur est une société d'assurance.

La marque Allsecur, rattachée à l'assureur Calypso filiale du groupe Allianz n'existe plus. N'hésitez pas à contacter le groupe Allianz pour toute question.

Histoire
Le  a été fondée l'association des assurances : Vereinte Spezial Versicherung AG en Allemagne. Le , Allianz en Allemagne lançait Allianz24, son assurance directe, assurance en ligne à destination des particuliers. En , la marque d'assurance directe prendra le nom d'AllSecur. Pour Allianz il y a alors l'inquiétude d'éveiller les hostilités de plus de  représentants d'assurance en Allemagne. Ils ont protesté de manière véhémente contre le développement de la distribution via internet et ont obtenu gain de cause. La majeure partie du portefeuille, notamment les opérations salariés, sera donc transférée de manière rétroactive à partir du  jusqu'à avril par le biais d'un transfert de portefeuille sur Allianz Versicherung AG. En conséquence, le revenu brut des primes a plongé de manière vertigineuse de  d'euros en 2009 à  d'euros en 2010. Enfin, le , la Vereinte Spezial Versicherung AG a été renommée Allsecur Deutschland AG.

Produits d'assurance
Allsecur réalise depuis 2010 uniquement des affaires directes via Internet. Depuis la fin 2005, Allsecur commercialise des contrats d'assurance à destination des particuliers : assurance auto et d'assistance, assurance rapatriement, gav (garantie des accidents de la vie privée), et protection juridique. Au début de l'année 2012, Allsecur proposait à ses clients la complémentaire santé et au milieu de l'année la société a rajouté à ses offres l'assurance vie. Depuis , Allsecur offre la possibilité de souscrire en ligne à une assurance habitation et à une assurance responsabilité civile.

Structure de l'organisation
La société Allsecur Deutschland AG n'a pas d'employés. Les employés sont ceux de la société d'assurance Allianz Deutschland AG.

Gains et situation de risques
Les pertes engendrées par Allsecur Deutschland AG ont fortement diminuées ces dernières années. En 2011, on comptabilisait une perte de  d'euros, en 2012,  d'euros et en 2013 31.98 millions d'euros alors qu'en 2014 on comptait seulement  d'euros. Les pertes sont compensées grâce à un , qui comprend également le transfert des pertes, par Allianz Deutschland AG. Dans le même temps le nombre d'assurés augmentent. En 2013 Allsecur Deutschland AG a adopté les exigences réglementaires avec succès et son ratio de solvabilité était de 215%.

Références

Liens internet
 Site officiel Allsecur Allemagne
 Allsecur dans la base des données des entreprises allemandes

Fondation en 1999


text:
401KESTATE PLANNING
6 Ways to Find Purpose in Retirement
It's up to you to find your own purpose. But it starts with looking for it.
Ross Kenneth Urken
Aug 6, 2016 12:01 PM EDT
Editors' pick: Originally published Aug. 5.
You need a reason to get out of bed in the morning, and for most of us, for many years, that reason is going to work. What happens when work ends? A lot of seniors think retirement will be one long vacation, and, for some, it is. For many others, retirement is a struggle to maintain interest and vitality.
There are many ways to stay vital long after work ends.
But many seniors lose the thread. Look at the avalanche of opioid prescriptions filled by Medicare - some 12 million last year. Look at the tidal wave of senior alcoholics. Lose a sense of purpose and life seems, well, purposeless.
That's why more experts - and seniors themselves - are grappling with coming up with a rule book for creating purpose once regular work stops. There is urgency about this. Some 10,000 of us turn 65 every day. Where to start in a search for purpose?
A first step: throw out the worker role with which you define yourself and, in its place, adopt a new role, that of retiree, said 62-year-old psychologist Rob Pascale, co-author of The Retirement Maze. His point: cling to a former work role - as tinker, tailor, soldier, spy, etc. - and that hinders creating a new sense of self. Accept that that phase has ended and look ahead. Pascale added: "Try to view your retirement as the next logical step in your life: not the termination of a career, but a movement into a new life-stage."
Next: psychologist Roberta Temes said that in working with her senior clients she tells them: "Retirees need a reason to get up in the morning. Best reason is to help someone - volunteer, teach. Second best reason is to learn something - take a class, learn a skill. Combine the two and learn something to teach someone." Like what? Just about anything, from how to make cannoli to how to create a WordPress website. What matters is that it's a real skill and, once mastered, it helps bring more joy into a life - and if you have a couple bites of well-made cannoli, you know joy.
Create what you love is advice from 60-year-old Susan Schenck, who retired five years ago after a career teaching school in San Diego. She elaborated: "I have found a great deal of purpose in my retirement - in fact, more than from my work." What she has done is pursue writing and she has published three books: The Live Food Factor, Beyond Broccoli, Expats in Cuenca, Ecuador. Writing of course isn't for every senior. But others say they find similar satisfaction painting, perhaps making knives, some like to garden. The core idea: creating is a path to purpose.
Get involved in a community organization is advice from 66-year-old Margaret Agard in West Virginia. In her case it's a local Rotary Club. But it could just as easily be an active Kiwanis club or American Legion post or a church. Agard told what she's been doing through Rotary: "In the last three months, I personally have helped raised funds for local scholarships, took grandkids to Guatemala to do service work -- install efficient stoves for people who were cooking over open flames in their homes -- had 9 grandchildren come for a week and put together backpacks with school supplies for children who lost everything in the recent floods here in West Virginia, finished building a house for an elderly woman who lost her uninsured home to a fire and a few other odds and ends of helping." Do that kind of stuff and a sense of fulfillment and purpose is - for most of us - a part of the deal.
Work. That is advice from multiple experts and, sure, the whole point of retirement might seem to be to not work but for some of us not working just is a bore. One in five 70-year-olds for instance are working, many because they need the dough to live well, but others because they like working. Said Scott Hanson, a financial planner with Hanson McLain: "Just because someone has enough money to quit working doesn't mean it's always best to stop."
Aren't many jobs purposeless? Of course. Said 74 year-old Murray Suid, co-founder of MobileMovieMaking.com: "Find work that is purposeful," and, he suggested, one's life will naturally become more purposive by doing that work.
All this is sounding like an awful lot of hassle? That's why Alixandra Foisy, who owns counseling firm Agefully in Virginia, advises some clients just to be. Don't do, she advises them, be. "Live in the moment. Don't worry about controlling things," Foisy says. "You can do that in retirement." Giving up the quest for purpose may, paradoxically, bring its own sense of purpose.
That's the bottomline. Purpose in retirement is where you find it. But you won't find it if you don't look for it.
OpinionInvesting401(k)Financial AdvisorsRetirementMarketsJobs


SCOPE an NGO based in Tiruchi, established in 1986 concentrates on rural development, empowering the marginalized women in rural areas found out soon that open defecation due to inability to construct toilets was one of the basic problems that prevented their economic development. Increased income was always eroded by increased medical bill, and fall in income due to increased absenteeism.
SCOPE then concentrated building toilets with the help of State Government TSC, and other agencies, and built over 15,000 pit pour and flush pit latrines. The fast 5 years scope has been focusing on Ecological Sanitation and has Constructed over 2000 Ecosan Toilets on the banks of the rivers Ganges and Cauveri and in Tsunami hit Sandy coastal villages of Tamilnadu .
Sevanthilingapuram on the banks of the sacred River Cauvery, about 35Kms from Trichy on Trichy- Musiri road, consists of three habitations, Sevanthilingapuram North with 201 dwellings, Sevanthilingapuram south with 87 dwellings, and Umayalpuram with 96 houses. Only 42 out of 246 houses occupied had toilets. Hence 80% of the villagers were forced to defecate in the open mostly on the banks of the River Cauvery and an irrigation canal flowing in Sevanthilingapuram.
The residents were interested in having toilets in their houses but due to water logging, pit latrines promoted under the TSC were not feasible in the village. Septic tank latrines were too costly for them.
Residents of Sevanthilingapuram on seeing the excellent performance of the ECOSAN Compost Toilets in near by Kaliyapalayam were keen to go for ECOSAN Compost Toilets with financial support from UNICEF and State Government. So far in two phases 138 ECOSAN Compost Toilets have been constructed. With the help Auro Annam of Auroville (Pandichery) on the final phase ECOSAN Compost Toilets have been constructed in the 63 house also Sevanthilingapuram earning the distinction of being the First ECOSAN Village in the country.


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