How to make sure your insurance Provider is healthy enough to survive bad times.
Until quite recently, the question was rhetorical. Little in lifewas as secure, stable, and enduring as the insurance industry.
Today, however, the field shows signsof weakness.Throughout the industry,increased competition and soured assets have narrowed profit margins.Some firms have even been squeezedout of business. Like thrifts and commercial banks, insurance companies areexperiencing a shakeout thatwould have been unthinkablejust a few years ago.
In 1981 not a single insurance company went out ofbusiness. Between 1983 and1988, 89 insurers folded; in1989, 36 more became insolvent. Most of those were relatively small, but the largestfirms haven't fared much better. In 1990, First Executivetook a $859 million write-downof its junk bond portfolio, andEquitable posted a loss in excess of $90 million for the firstnine months of the year. Andthe situation might get awhole lot worse: A report recently issued by IDS, a subsidiary of American Express,warns that as many as 20 ofthe nation's 100 largest life insurance companies might not survive asevere economic downturn.
Unfortunately, insurance guaranteelaws provide an inadequate safety net tocushion a fall. Although 45 states haveenacted such legislation, which protectspolicyholders if their insurer folds, theprotection is limited to a ceiling of$500,000, hardly enough to cover thedemands of a family business.
The industry's troubles have a particularly strong impact on family busi-ness owners, who depend on insurance companies to fund stock repurchaseagreements, wealth-transfer plans, andestate-tax liquidity needs.
In the past, a business owner could select an insurer, then stick with thechoice for the long term. Today, such ahands-off approach could have disastrous consequences. To protect themselves, executives face the extra burden of keeping closer tabs on the fieldthan ever before. Indeed, consumersnow need to research their financial institutions---banks, thrifts, insurance carriers--as rigorously as those institutions examine persons applying forloans and insurance.
Monitoring the industry's members-in terms of both short-term performanceand long-term survival--begins bychecking the credit rating agencies' reports (see "A guide to credit-rating services," below). Outfits such as A.M.Best, Moody's, Standard and Poor's, andDuff and Phelps analyze the finances ofhundreds ofinsurers and passjudgmenton the firms' financial health.Within the past year, for example, Moody's Investors Service downgraded EquitableLbfe Assurance because of thefinn's underlying weaknesses.
Credit-rating agencies provide a good overview of a corporation's financial condition,but they aren't the onlysources worth consulting.For more detailed information,business owner sshouldask their accountants to investigate six key indicies thatmeasure an insurer's abilityto meet its projected returns.
First, a general rule ofthumb for evaluating an insurer's financial strength involves its level of capital andsurplus, the amount of moneyabove the reserves it's mandated.by law to set aside. Insurers with assets of $1 billion to $1O billion shouldhave capital and surplusequal to 5 percent to 10 percent of total assets, Firmswith assets in excess of S10billion should have capitaland surplus of 3 percent to7 percent of total assets.Moreover, capital and surplus should grow by at least5 percent annually.
Second, an insurer's mortality experience-the pricing of products based on average life expectancies--should earn a "most favorable" or"very favorable" rating from a creditrating service. A poorer rating suggeststhat an insurer has made incorrect assumptions about mortality averages,which can narrow its profit margin,forcing the company either to increase its policy charges or reduce its surplus.
Third, examine the quality of an insurer's investment portfolio. Be cautiousif a rating agency such asStandard and Poor's orMoody's reports that acompany keeps more than1O percent of its assets inJunk bonds or nonperforming real estate loans. Riskyinvestments may generatehigh yields, but they alsocan plummet in a flash.
Fourth, check the yields of a company's investments. Most insurers guarantee yields ofno more than 5.5 percentbut often pay twice that amount. Today,those high-end yields are depressed,and policyholders who thought they'dreceive a 13 percent return throughoutthe life of their policy are hopping mad. Make sure your insurer is offering acredible rate. And beware of a companythat projects a higher rate than the rateit's earning on its own investments.
Fifth, track your carrier's expenseratio.The expense of administering policies is difficult to evaluate since Insurers sometimes hide these charges inother areas of the business. Credit services should show that during a five-year period, annual expenses should average no more than 5 percent ofpremium income plus policy reserves.
Sixth, check the number of individuals who let their policies lapse at a specific carrier. When the so-called lapserate is low (10 percent or less), a company can price its products quite competitively because it has a good chanceof recovering its initial investmentthrough continuing premiums paid bypolicy holders.
These measurements of an insurance company's financial prowess are relatively easy to determine with the help of credit- rating agencies. If the indicators are moving in the wrong direction, it's time to find a new carrier. And with economic conditions changing so rapidly, that possibility is greater than ever.
Finally, don't make the mistake of placing more emphasis on the policy than the Insurance company. Look for the healthiest carrier, and then get the policy that best suits your needs. Don't blindly place all of your insurance eggs in one basket; diversifying your policies among several insurers is the safest hedge against an uncertain economy.
To determine whether your in-surance company is,really fit, review its credit ratings reports. Askyour agent for reports from A.W.Best, Standard and Poor's,Moody's, and Duff and Phelps,which all rate the claims-payingability of life insurance companles.


And remember if all else fails – pancakes for the win!! These are from Dela – yum!!
Sometimes it can be hard to know what to do for Valentine's Day so I thought that I would share some of the events that are on in Galway this year. And to start – why not head out with your girlfriends on Wednesday!! My top pick has to be Galentine's Day in Hyde Bar, Galway!


(OSCARS) The Academy Red Carpet & Awards Show SKYCable Livestreaming on HBO GO!
(TV) Dennis Trillo and Tom Rodriguez battle it out on #LipSyncBattlePh Premiere.
(CONCERT) Wonderful Experience from Madonna's Rebel Heart Tour Manila!
John Lloyd Cruz and Jennylyn Mercardo movie directed by Cathy Garcia Molina entitled, "Just the 3 of Us" WATCH Teaser!


How does your company become an ExO?
Why new organizations are ten times better, faster, and cheaper than yours (and what to do about it).
That's what you can find out by reading the present e-book. It is a current topic that is highly relevant to more than half of all small and medium-sized businesses – SMEs. Yours too, maybe. Not only because most SMEs do not grow but also because they become "disrupted" – closed down – if they do not change radically. You can read about disruption in our e-books No.s 15 and 17.
Exponential growth or Double Dip for SMEs?
HOW CAN YOU MEET THE CHALLENGE?
ExOs grow exponentially by means of revolutionary new business practices which build on the rapid development of multiple technologies. In our e-book No. 15 you can read about the 12+ technologies which develop very quickly. ExOs and new technologies disrupt ordinary companies, entire industries and public sectors – and jobs. The most dramatic disruption occurs from combinations of physical and digital systems. 8-9 years ago, the sensors in Google's autonomous car cost more than 200,000 US$. Car manufacturers called the project "a nice way to lose time and money". 2-3 years later, the cost was reduced to half. Then it was halved again. Car manufacturers were still smiling. Now the sensors cost 1,000 US$, and Google still expects major improvements. The car manufacturers smile no more. [Quote: Samuel Ismael at a webinar].
Some of the largest companies (and even geographical regions like Medellin in Colombia) has now begun using the ExO methods, assisted by ExO experts.
An example is the Tesla car – an app on wheels. The cars´ performance is remotely updated and improved through its software. Thus, Tesla Motors is not a car manufacturer. Neither is Uber a transport company (as the EU Court of Justice recently defined it).
SMEs are highly dependent on their boss / owner who is often busy with day-to-day solutions and maintaining a high efficiency. They often have a limited network, not much access to knowledge about global trends and events, or to exchange ideas about expansion. They are not aware of new business models that are going to completely change the rules of the game within the next 2-5 years. During that period, however, only a minority of them plans to invest in new technology or digitization. Thus, SMEs constitute a major threat to our prosperity and well-being – a threat that receives limited attention and action from politicians, employers´ and workers' organizations. For the thousands of SME owners who are faced with generational change it will be a sudden awakening to realize that their firm may be worthless.
The latent growth potential of SMEs can only be exploited if the owners / managers will – and will be able to – use new technologies and create radically new business models.
Turn your business into an ExO. Not tomorrow. Not "when I find the time".
ExOs use completely different business models and methods using the latest technologies – especially digitalization. You can also use these models and methods and thus end up among the winners.
All ExOs have an MTP, but they do not necessarily use all the other ten methods. They may start with 4-5 of them and then gradually use some of the others.
MTP – WHAT IS IT?
An MTP enables everyone to think on a grand scale – and to use their skills on fulfilling the purpose.
It must describe a clear "why". Why do you do that? Why is it revolutionary?
Take care, energy and time together to reach a short, sharp, clear wording, which everyone – and especially you, your collaborators and audience – immediately understands and feels highly attracted to. Your ExO future depends on it!
Instead of hiring people, you find and use freelancers with top competencies on the internet.
You create a community on the internet where everyone with a passion for your MTP meets. Here, you can use their help and skills in creating a unique solution. You also use the Internet to get creative input and evaluate your solution, and to get funding ("Crowd Funding").
– is a very powerful, computer-based tool that is already widely used to create order and meaning in data. With that you can significantly increase efficiency and process speed, and reduce costs.
– instead of owning them. This minimizes the need for capital and increases your freedom of movement.
You involve your employees, customers and others in creating value. Using MTP, openness, delegation of powers, competitions, games, etc.
– are automated processes and algorithms that you use to filter output from external contacts such as Staff for Hire and Communities, for internal functions.
Digital bulletin boards that you use to present real-time data, goals and key results (KPIs), thus motivating your employees (and yourself), creating focus and energy, and a positive culture.
You drop traditional linear planning and development procedures. Instead, you experiment and use process iteration to match your new products and services with customer wishes and needs, and evaluate bottom-up ideas. Techniques like "Lean Startup" and "Minimum Viable Product" make your development much safer, cheaper and faster, reducing risks and capital requirements.
You give your competent and talented employees great freedom to participate in business development and to launch innovative projects on their own. This results in greater flexibility, faster response and learning, high work ethics and commitment.
It is beyond the scope of this e-book to go into detail with the 11 ExO methods but in the following sections we give you a deeper insight into two of the methods: MTP, and Staff for Hire.
MTP is the very basis of any ExO business. It enables users to "think big" – to use the skills of the organization to radically change an industry, or to create massive improvements in an important field of human life. It unites and motivates the company's internal and (present and future) external actors to engage in improving life for numerous people. It opens up for market opportunities which are many times larger than otherwise imagined.
An MTP is the prerequisite for effective use of six out of the 10 ExO methods, namely: Staff for Hire, Community & Crowd, Engagement, Experimental, Autonomy, and Social Technologies.
You start from the outside – in your business environment. Use your knowledge of customers, or of any other group of people. Expand your knowledge to similar groups – regionally, internationally, and globally. Complement your knowledge by retrieving information from as many sources as possible. Think carefully about problems, needs, attitudes, settings and behaviors of groups of people which could open up for dramatic improvements. Just like Facebook, Google and other ExOs do. Think: if you can imagine it, it may be possible – just like Elon Musk thought about an app that became a "car" – Tesla.
Then proceed on the basis of how to "disrupt" your business before others do. What quite different business models will make your business and industry redundant? Do not deny that it will happen – because it will – for the majority of all existing companies (and jobs).
Consider your ideas in the light of the competencies you have access to in your business and those you can find through your current and future network. Include existing and soon emerging opportunities for exploiting technological achievements. Keep in mind that almost "everything" can or will be digitized and moved to the Internet.
Discuss all of it with clever and experienced as well as untraditional and imaginative people – in your company and in your network.
The vast majority of SMEs cannot attract or pay top experts with crucial, value-creating skills. And no matter how talented your employees are, most of them will gradually become less competitive or lack the skills your business needs to survive. Previously, the half-life of an acquired skill was around thirty years. Now it's about 5 years and steadily declining.
Thanks to the Internet, it has become easy and almost free to find external employees, and the number and quality of freelancers has risen dramatically.
Why do SMEs demand external skills and competencies?
categories, but also to lack of people with the necessary skills to fill in the roles. Automation replaces jobs, and "Big Data" as well as advanced analytics tools allow deep insight into customers, management and employees. Enhanced access to information and ideas blurs the limits of what is inside and outside the company.
Digitalization of products and services creates a huge demand for talented digital skills. Nearly half of US and German companies in a Boston Consulting Group survey indicated the lack of qualified employees as the main obstacle to complete digital conversion. Companies are forced to develop or gain access to talent in growing specialties such as data analytics, app development and user experience design. Almost any job will eventually require the use of sophisticated technology.
Knowledge-intensive companies are increasingly outsourcing work. Partly to save costs and partly to save their best employees for work that creates the most value. More and more knowledge and routine work is being given to individual external persons instead of, as before, to subcontractors.
Staff on Demand offers most of the functionalities and benefits that SMEs can use: no need for office space, no permanent employees, smart computing to connect people's needs with others' tasks, online meetings, global access to time and knowledge.
and the cost is 100% variable.
Staff on Demand knowledge may not be fully rooted in the company. Community feel and team building are hampered by external employees from other cultures and time zones, and physically separate from the company.
How to find, select, and measure the value of external employees?
How to communicate when internal and external employees do not speak the same (business) language?
How to maintain the changes caused by cooperation with external employees when cooperation ceases?
Why is there increasing access to external skills and competencies for SMEs?
New settings among skilled people change working methods – especially the increasing preference for independent work rather than a career in a large organization. Independence is becoming the dominant motivational factor for many people, especially for millennials (born early in the 1980s to mid-1990s), and Gen-Zere (born in the mid-late 1990s and beyond). These younger people feel bored when they have to do the same things for a long time, and they are most interested in independent careers. Digital platforms and online ecosystems allow them to choose entrepreneurship and self-employment rather than employment in large companies. Working in and being paid in multiple projects is especially interesting for talented people.
How can you access these skills and competencies?
The opportunity to get information and ideas from anywhere and everywhere in the world increases exponentially. People can be continuously connected, use data from anywhere, work easily with remote access, and collaborate with global colleagues in real time. Companies do not even need employees: In many leading IT companies, external suppliers make up almost half of full-time workers.
Fast expanding internet access allows for crowdsourcing and sub-economics. The most innovative solutions are now being developed by people all over the world, joining in online communities, on internet platforms, and digital ecosystems. They also disrupt traditional models for venture financing, product development and product life cycle management.
Crowdsourcing communities like Kaggle and Incentive allow companies to hire talents almost without prepayment. Instead of hiring full-time employees, companies can staff projects with the specific expertise they need. Freelancers bring the added benefit that they are well acquainted with development trends within their specialties – unlike permanent employees who have an unchanged, more limited network.
Topcoder can underbid its competitors by 75% by dividing projects into small bids and offering them to its 300,000 freelance developers in 200 countries, in a series of competition challenges.
InCloudCounsel underbids major law firms by up to 80% thanks to a host of freelancers who produce legal documents (such as license agreements, accreditations and secrecy agreements) for a fixed amount.
The most striking example of a Staff on Demand service is Amazon's Mechanical Turk, where customers can post any "human intelligence task", from drawing attention to offensive content on websites to formulating mails. Users of the site choose what they want done, depending on task and price.
Upwork: Programmers, Designers, Copywriters, Customer Support, and more.
HOW SHOULD YOU ORGANIZE YOUR COMPANY?
Managers must adapt their leadership style to the individualized culture, find new ways to inspire, and provide extended powers to individuals and teams in their looser organization.
Staff on Demand will revolutionize the way work is being carried out in businesses – new ways to organize, implement and lead, and new ways of recruiting, developing and motivating employees. As companies start to hire talents, they must be content with a lower degree of commitment. They must create career paths and roles that meet entrepreneurial ambitions with the highly developed talent they seek.
Companies develop a more fluid perception of what is inside and outside their borders. They go away from rigid distinctions between employees, suppliers and customers, and develop online platforms to promote collaboration between all stakeholders. Gradually, the value chain changes to networks and platforms, and the organization's role changes from controlling resources to facilitating digital ecosystems and becoming a tool for realizing individual ambitions.
Startups use Staff on Demand as an integral part of their work. Very large companies have HR staff who can investigate and evaluate the many new Staff on Demand opportunities. SMEs have limited resources for these tasks, so how do SMEs organize themselves?
HOW DO I GET TO KNOW MORE ABOUT EXO METHODS?
Here, you can sign up as a member of an ExO Community and receive news and information, and participate in discussions with ExO experts.
We help you to ensure that your customer acquisition and customer care is on the right track when you digitize the rest of your company by means of ExO methods.
« What do you want to accomplish in life – what to you want to accomplish with your business?


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Individuals Financial Professionals Institutions For
Western & Southern is the parent company to a group of diversified financial services businesses. Collectively, we provide you and your family with a broad range of life insurance, investments and retirement solutions.
Financial Strength Go to Financial Strength
Community Impact Go to Community Impact
Hawkins Award
John F. Barrett
Western & Southern's family of companies spans the full gamut of expertise within the financial services industry. We offer you dynamic career opportunities in numerous fields ranging from information technology, finance and accounting to business development and sales, investment management and marketing.
Field Careers Go to Field Careers
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Home Office Careers Go to Home Office Careers
Working in Cincinnati
Contact Talent Acquisition
Koester Appointed Vice Chair, Board of Insurance Medicine
Western & Southern Life • January 12, 2021
Theresa Koester, M.D., associate medical director for Western & Southern Financial Group, has been appointed vice chair of the Board of Insurance Medicine, the board certifying body of the American Academy of Insurance Medicine. Her two-year term will end in 2023 when she will become the chair of the board.
As vice chair, Koester oversees examinations to determine the qualifications of candidates for certification in insurance medicine. She also reviews the exams on an annual basis to ensure they are applicable to current practices in medicine.
"This appointment to vice chair is a prestigious honor and recognition of Dr. Koester's expertise as a clinician and member of the life insurance industry," said Keith Clark, M.D., vice president and medical director at Western & Southern. "We are proud that she is playing a role in upholding the integrity of the practice of insurance medicine."
Koester joined Western & Southern in 2010 as an associate medical director after gaining two decades of experience in medicine, including several years in private practice. She graduated from the University of Kentucky College of Medicine and completed her residency in internal medicine at Washington University in St. Louis.
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Western & Southern is the marketing name for a group of diversified financial services businesses composed of Western & Southern Financial Group and its seven life insurance subsidiaries. Life insurance and annuity products may be issued by The Western and Southern Life Insurance Company, Western-Southern Life Assurance Company, Columbus Life Insurance Company, Integrity Life Insurance Company, The Lafayette Life Insurance Company, National Integrity Life Insurance Company or Gerber Life Insurance Company. Products and services referenced in this website are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies. Not all products and services are available in all states. All companies are members of Western & Southern Financial Group and are located in Cincinnati, OH with the exception of National Integrity, which is located in Greenwich, NY, and Gerber Life, which is located in White Plains, NY.
This site is intended to provide a general overview of our products and services. Please review the details of each product with your financial representative to determine which options may best fit your needs.
Western & Southern Financial Group does not provide tax or legal advice. Please contact your tax or legal advisor regarding your situation. The information provided is for educational purposes only.
1 Six out of seven of Western & Southern Financial Group's life insurance subsidiaries maintain a rating of A+ Superior ability to meet ongoing insurance obligations (second highest of 13 ratings; rating held since June 2009). Gerber Life maintains a rating of A Excellent ability to meet ongoing insurance obligations (third highest of 13 ratings; held since January 2019). Gerber Life is not rated by the other rating agencies.
Gerber Life Insurance is a trademark. Used under license from Société des Produits Nestlé S.A. and Gerber Products Company.

redpajama_set_name: RedPajamaCommonCrawl


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Waskom é uma cidade localizada no estado norte-americano de Texas, no Condado de Harrison.

Demografia
Segundo o censo norte-americano de 2000, a sua população era de 2068 habitantes.
Em 2006, foi estimada uma população de 2148, um aumento de 80 (3.9%).

Geografia
De acordo com o United States Census Bureau tem uma área de
7,1 km², dos quais 7,1 km² cobertos por terra e 0,0 km² cobertos por água. Waskom localiza-se a aproximadamente 75 m acima do nível do mar.

Localidades na vizinhança
O diagrama seguinte representa as localidades num raio de 28 km ao redor de Waskom.

Ligações externas

Cidades do Texas
Condado de Harrison (Texas)

redpajama_set_name: RedPajamaWikipedia


text:
CWA Wants to 'Dismantle Racism,' Demands MLK Day as Paid Holiday for All Lumen Employees
The CWA also wants to discuss dismantling racism at Lumen.
Survey: A Closer Look at Diversity in the Channel Community in 2021
The survey is designed to gain a deeper understanding of our channel community, amplifying diversity and inclusion.
Channel Partners 2020 Review – Our Top 10 Stories
Even in the shadow of coronavirus, there were some bright spots.
Increasing Diversity, Adapting to 'No Normal' Among 2021 Channel Trends
Here's what you need to be ready to face in the new year.
Representation Is Everything in Business and the Channel Is No Exception
I, too, can make a difference, can have an impact, and can then pass the inspiration along.
Where Are Our Tech Leaders in the Race Against Racism?
While the author doesn't condone violent protests, she sees irony in the response to them.
Apathy Isn't Acceptance — You Might Be Part of the Problem
"I don't care" isn't acceptance. It's part of the problem.
It's OK to Not Relate — You Can Empathize
IT leaders are devising new ways to level the playing field for people of color to enter indirect sales.
Channel Partners Virtual a Huge Success, Thanks to You
The first-ever Channel Partners Virtual is in the books, and we couldn't have asked for more.
The Business Case for Diversity and How to Achieve It
Our elite panel helped attendees learn how to make their businesses more diverse and inclusive.


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alexander chalmers the works of the english poets from chaucer to cowper spencer daniel
Pushkin Alexander The Captains Daughter and A History of Pugachov
Set during the Pugachov rebellion against Catherine the Great, The Captains Daughter was Pushkins only completed novel and remains one of his most popular works. The inexperienced and impetuous young nobleman Pyotr Grinyev is sent on military service to a remote fortress, where he falls in love with Masha, Captain Mironovs daughter - but then the ruthless Cossack Pugachov lays siege to the stronghold, setting in motion a tragic train of events. This volume also contains another work by Pushkin on the same theme, A History of Pugachov, which presents an impartial, meticulously researched history of the revolt, but was regarded in aristocratic circles as subversive on its publication. Together, these two works provide a fascinating insight into the character of the peasant who tried to overthrow an empress, written with the clarity and insight of Russias greatest poet.
Pushkin Alexander Fairy Tales
Fairy Tales by Alexander Pushkin: Ruslan and Ludmila (translated by Irina Zheleznova), The Tale of Tsar Saltan (translated by Lovis Zelikoff), The Fisherman and the Goldfish (translated by Irina Zheleznova), The Tale of the Golden Cockerel (translated by Lovis Zelikoff).
Hindley Judy How Your Body Works
A visual explanation of how the human body works. It covers all the basics of human biology.
Carroll Lewis The Complete Works
These volumes represent each authors best and most famous writings. This finely crafted and affordable series offers the works of these world-renowned authors to a wider audience. Includes Alice in Wonderland, The Hunting of the Snark, Sylvie and Bruno, and Through the Looking Glass.
ABC featuring works of art from the State Hermitage. St. Petersburg
Teach your children the ABC and introduce them to some of the worlds great masterpieces. Russias first Museum ABC miniature book illustrates the alphabet with works from Russias famous Hermitage Museum in Saint Petersburg.
Fitzgerald Francis Scott Tales of the Jazz Age
F.S. Fitzgerald was an American writer, whose works illustrate the Jazz Age. Tales of the Jazz Age is a collection of eleven short stories - all of them had been published earlier, independently-Divided into three separate parts, according to subject matter, the collection includes one of the most famous authors short stories, The Curious Case of Benjamin Button and other great works.
Pushkin Alexander Eugene Onegin: A novel in Verse (Евгений Онегин: роман в стихах). На английском языке
Издание на английском языке. The most highly acclaimed of Pushkins works, this 1831 romance depicts a post-Napoleonic society in which a jaded young aristocrat rejects the love of a country maiden. Adapted by Tchaikovsky for his opera, this classic tale appears in an outstanding translation that reproduces the 14-line stanza format of the original. Includes 16 lithographs.
QUEEN - The Works (180 Gr)
Lay Morals and Other Papers II
Robert Louis Balfour Stevenson was a Scottish novelist, poet, travel writer, and essayist. His most famous works are Treasure Island and The Strange Case of Dr. Jekyll and Mr. Hyde. Now he is one of the most translated authors in the world. Lay Morals and Other Papers is a wonderful collection of essays including works like The Great North Road and The Young Chevalier.
The State Tretyakov Gallery At Krymsky Val. A Guide to Russian Art of the 20th Century
This is the first Guide to The State Tretyakov Gallery collections of modem art. The articles written by the researchers of the Department of Modern Art contain descriptions of the most representative works by prominent masters of the 20th century and analyses of the artists legacies in the context of contemporary art life. This book offers many discoveries because most of these art works and artists have not been thoroughly explored before. This edition is intended for a general audience.
Collins Wilkie Man and Wife
William Wilkie Collins was an English novelist, playwright, and short story writer. His best-known works are The Woman in White (1859), No Name (1862), Armadale (1866) and The Moonstone (1868). Collinss works were classified at the time as sensation novels, a genre seen nowadays as the precursor to detective and suspense fiction.
Collins Wilkie John Jagos Ghost
Hazeley J. A., Morris P. How it Works: The Mum. Ladybirds for Grown-Ups
From bestselling authors Jason Hazeley and Joel Morris - a nugget of wisdom in the phenomenal Ladybirds for Grown Ups series. This delightful book is the latest in the series of Ladybird books which have been specially planned to help grown-ups with the world about them. The large clear script, the careful choice of words, the frequent repetition and the thoughtful matching of text with pictures all enable grown-ups to think they have taught themselves to cope. Featuring original Ladybird artwork alongside brilliantly funny, brand new text. Also available: How it Works: The Husband How it Works: The Wife How it Works: The Mum The Ladybird Book of the Mid-Life Crisis The Ladybird Book of the Hangover The Ladybird Book of Mindfulness The Ladybird Book of the Shed The Ladybird Book of Dating The Ladybird Book of the Hipster
London Jack War of the Classes
Jack London (1876-1916) was an American novelist, journalist and social activist. Pioneering the genre of magazine fiction and prototyping science fiction, he became one of the first writers, who gained worldwide fame and a large fortune. As the title intends, this volume includes seven interesting works including The Class Struggle, The Tramp and The Question of the Maximum. Most of them express authors views on socialism, heavily influenced by the works of Darwin, Marx, and Nietzsche.
Wharton Edith Madame de Treymes and The Triumph Of Night
Edith Wharton (1862-1937) was an American novelist and short story writer. Her works show the lives of people of the late nineteenth century, the times of decline in American history. She was the first woman to receive the Pulitzer Prize for Literature in 1921. Wharton also was familiar with many famous people of the time, including President Theodore Roosevelt. This book includes two wonderful works of literature: the tale about love and divorce Madame de Treymes and a short story The Triumph Of Night.
Peppa Pig: George and the Noisy Baby (PB)
Peppa and George are having a sleepover at Cousin Chloes house. They are very excited to see their new cousin Baby Alexander. Soon everyone is fast asleep, except for Baby Alexander. The noisy baby wakes George up and he has to help Daddy Pig find a way to get Alexander back to sleep. Based on the hit pre-school animation, Peppa Pig, shown daily on Fives Milkshake and Nick Jnr.
Shakespeare William Complete Illustrated Works of W.Shakespeare
William Shakespeare is indisputably the greatest dramatist and poet that England, and probably the world, has ever produced. Here, in this handsome one-volume edition, are the complete works of this unique genius: his comedies, histories and tragedies along with his eloquent sonnets and poems, all unabridged. William Shakespeares plays and poems are read and enjoyed by millions of people across the world. He is indisputably the greatest dramatist and poet that England has ever produced, and his works have endured the hundreds of years since his death. This one-volume edition gives the reader the opportunity to appreciate the literary genius that runs through Shakespeares 37 plays and 160 sonnets and poems.
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EBF3 HADDS Foundation
Thank you for your interest in joining the Foundation's Board! While you have been invited to apply, no position is guaranteed without first completing the application and undergoing our formal review process. If we feel your interests are aligned and you will be able to represent the Foundation, our mission and have the time and resources necessary to support our growing community, you will be selected. We hope to complete the review process by mid-April, with final decisions being announced in late April 2020. Upon selection, you will need to sign our Board of Directors Commitment letter and provide a 250 word or less bio along with a professional headshot that will be added to our Board of Directors page on our website.
We will use this application to confirm information, assess your interest and prospective areas for involvement/contribution and ensure that there is alignment between you and the Foundation's mission and founder's values. The applications will only be shared with current active board members and the Foundation's founding families. Please keep in mind, the Board of Directors application is invite-only. Until we mature as a Foundation, we felt this approach best positioned us to be strategic in our work and leadership as we build our reputation in the HADDS global community.
Complete all of the questions below.
Do You Have Time in Your Current Schedule to Add Board duties?
Yes! It will be a priority for me.
I don't currently, but if selected, I will take necessary steps to make time.
No. Adding Board duties will further complicate my schedule.
Do You Currently Work?
Yes, Full-time outside of the home
Yes, but only Part-Time
What do you do for a living? (N/A if you don't work)
Do you feel comfortable being a public HADDS representative/advocate, using your social channels to promote the Foundation and your voice for fundraising and staffing/sponsering official HADDS related events?
Briefly describe why yo woud like to join our Board of Directors.
Briefly describe the skills, talents and expertise you would bring to the Board of Directors.
What do you hope to gain from your experience of serving on the Board?
Is there anything else you would like us to consider while reviewing your application?
If you are not selected as a member of the Board, or if you decide not to join, would you like to be a volunteer to assist our organization in various ways that match your skills and interests?
Yes! Anything for our HADDS community!
Perhaps. It will depend on my availability, so I'll need to be asked.
No. My involvement is all or nothing.
Please upload a copy of your resume. This will familiarize us with your background, potential areas of expertise and experience.
Upload CV/Resume
By submitting this application, you agree that you can provide at least 2-4 hours a month in attendance to Board and Committee meetings/work and that you do not have any conflict-of-interest in participating on the Board.
Thanks! We received your application!
Thank you for your interest in joining the Foundation's Board! If we feel your interests are aligned and you will be able to represent the Foundation and our mission, and have the time and resources necessary to support our growing community, you will be selected. We hope to complete the review process at the beginning of September, with final decisions being announced by mid-September. Upon selection, you will need to sign our Board of Directors Commitment letter and provide a 250 word or less bio along with a professional headshot that will be added to our Board of Directors page on our website. The application is due August 21, 2022.
We will use this application to confirm information, assess your interest and prospective areas for involvement/contribution, and ensure that there is alignment between you and the Foundation's mission and founder's values. The applications will only be shared with current active board members and the Foundation's founding families. This application process best positions us to be strategic in our work and leadership, as we continue to establish our reputation in the HADDS global community.
What is your profession? (N/A if you are unemployed))
Do you feel comfortable being a public HADDS representative/advocate, using your social channels to promote the Foundation and your voice for fundraising and staffing/sponsoring official HADDS related events? (Please share your comfort level in each area as a public representative)
Briefly describe why you would like to join our Board of Directors.
Provide 2-3 references that could speak to your previous experience serving as a proactive member of a team.
Upload file (Max 15MB)


American Family Physician: Official clinical journal of the American Academy of Family Physicians. Access is free to all.
Archives of Family Medicine: Monthly peer-reviewed scientific journal published by the American Medical Association. Abstracts and full text of articles available online.
CFP: Canadian Family Practice: Monthly publication on family medicine, with critical appraisals. From the College of Family Physicians of Canada.
Journal of Family Medicine: Presents recent advances in the fields of primary care, obstetrics, gynecology, pediatrics, and medicine. A detailed list of contents is available at no charge, but subscription is required to obtain articles.
MedBioWorld: Links to interdisciplinary medicine and family medicine journals.
The Journal of Family Practice: Topics include Family Medicine and Practice, Family Doctor, Physician Web Sites, Family Practice Residency and Family Practice Certification.


Hi there! How's your 2013 going so far? One thing I decided I HAVE to do in 2013 is travel to Europe. It's one thing I've been wanting to do for years, but year after year I put off because of work, money, and all those other little things in life that just seem to cut in line before my dream of traveling the world. Maybe you can relate? Not this year though, I put my foot down so the career, money, everything that kept me from going have to take the backseat at least for a bit. I figured if I move out of my place in Los Angeles, sell some of my stuff (I also plan to move to New York this year) and store my car with some of my things at my parents house then I could manage to backpack through Europe for a month or so. So that became the plan, the big plan for 2013.
I'm going to need to reach people way outside of my network and hopefully convince them share it with their network. Reaching this insane goal starts with you. You are the first tier in expanding my reach. Its simple to do, but that may not be a good enough reason for you to help me, I know. I'm hoping that you'll do it out of the kindness of your heart, maybe you just believe in paying forward.. I can promise if you pay it forward to my by voting and encouraging your friends to do the same that I make the extra effort to support those working hard spread the word about their cause (be it about a blog, business, opportunity, whatever it may be) I want to help others, travel, inspire those around me and make a positive impact in the world. If you have any advice for me I'd love to hear it :) Thanks for reading and for being a friend. You can watch the video I made below and CLICK HERE TO SHARE/VOTE YAY!


Scholarships are often the bridge that can make the dream of a college education a reality. Thanks to the generosity of Foundation for Muskegon Community College (FMCC) donors, many worthy students are able to achieve their dreams. Today, the FMCC works with donors and Student Services to manage and offer more than 40 scholarships, an increase from just 15 five years ago.
For more information about starting or supporting scholarships, please contact Amy Swope, Interim Foundation Director, at amy.swope@muskegoncc.edu or (231) 777-0571.
The Amos Nordman Foundation was established by Amos Nordman, an Indiana native who had an insurance company in Grand Rapids. Mr. Nordman lived a frugal lifestyle and has ardently interested in using his wealth to support local youth.
Funded by alum Wayne Barrett and his wife, Linda. Wayne serves as the Vice-President of the Foundation for Muskegon Community College board of directors.
Established by Foundation for Muskegon Community College board member and MCC alum, Tom Dake, in honor of his parents and their passion for continued achievement.
Ted, a graduate of Iowa State University, was employed by a local manufacturing company as Manager of Engineering. He lived a frugal lifestyle and never had any children. However, he was known well by neighborhood kids as someone who would pay them very well for washing his car, lawn work, and other chores. He created a foundation and was dedicated to organizations that provide important services for the community.
Tina Dee is MCC's Director of Foundation and Strategic Initiatives. She dedicated over 20 years of her career to the field of marketing and communications, including 15 years as an adjunct professor at GVSU, teaching PR, advertising, and other communication classes. She resides in Grand Haven with her husband, Scott Lampe, an award-winning packaging designer.
This scholarship was created with profits from the 2014 Founder's Day event. This annual Roaring Twenties-style event commemorates the 1926 founding of MCC. For more information, visit muskegoncc.edu/founders.
This scholarship was created in honor of former MCC President, Dr. Frank Marczak and Marlene Marczak, to support the study of chemistry. Those interested in advancing the field of chemistry in the Greater Muskegon area are encouraged to contribute to this fund.
This scholarship was created to support the study of nursing. Those interested in advancing nursing education in the Greater Muskegon area are encouraged to contribute to this fund.
The International Studies Scholarship provides an opportunity to participate in MCC travel abroad programs. This faculty-supported fund was developed to help students gain a broader world view, build international perspective, develop self-confidence, and develop a career path that recognizes the importance of understanding different cultures.
Students who have one or more parents who is an MCC graduate are invited to apply for this scholarship. It is awarded to a legacy students who will bring pride and honor to their families, MCC, and the greater community through their academic excellence and extracurricular activities.
This club was formed to promote and support parental education and child nurturing.
The Music Department of Muskegon Community College is honored to offer two Dr. Dale and Connie Nesbary Music Scholarships to vocal or instrumental musicians participating in music programs at Muskegon Community College. The purpose of these scholarships is to attract, reward and retain incoming students in music, while recognizing exceptionally productive and talented musicians.
This scholarship is provided by David Paulsen, former high school and college distance runner, who values the hard work it takes to succeed at this sport and understands how this type of dedication supports academics and career.
MCC alumni, faculty, and staff are champions of this fund that provides support to students whose academic progress is in jeopardy due to unforeseen situations.
This scholarship was established by Muskegon Community College business instructor Christopher VanOosterhout, his wife Joella and their five sons in support of MCC students.
Established by her nephew, Tom Dake, this scholarship honors the memory of Mary Josephine Vukits, R.N., who started her nursing career as a Registered Nurse in the U.S. Army during WWII and later worked as an RN at Hackley Hospital for over 30 years before retiring.
In addition to ongoing support from individuals, this scholarship is supported by profits from the FMCC Jayhawk Scramble – "chip in for scholarships by playing in the annual golf outing! Visit muskegoncc.edu/chip for details.


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The Strength of the Fatherland () is a 1916 Hungarian film directed by Michael Curtiz.

External links

1916 films
Films directed by Michael Curtiz
Hungarian silent films
Hungarian black-and-white films
Austro-Hungarian films


BibleForums Christian Message Board > General > Suggestions and comments > Please Help Move photos from one to another Album!
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NEW HAVEN, Conn. – No one had to remind the Yale women's basketball team about the significance of the Ivy League season, as displayed by its dominant performance in an 81-54 win over Brown on Saturday afternoon.
The Bulldogs (10-8, 1-0 Ivy) scored a season-high amount of points in front of a season-high crowd, made up of alumni and fans alike, in the Lee Amphitheater. A whopping 52-24 rebounding advantage aided the Elis in picking up a win in the Ivy League opener.
"We emphasize rebounding every day. I don't know if that's a function of favorable matchups in who we play, but there was a hunger for us today," said Joel E. Smilow '54 head coach Allison Guth. Yale's 28-rebound advantage is the biggest this season.
Yale's 19 offensive rebounds against the Bears translated into a season-high 21 second-chance points, compared to Brown's two. The Elis also held a 20-9 edge in transition points, attacking down the court every chance they could.
Senior forward Nyasha Sarju (Seattle, Wash.) scored a team-high 14 points, while tying for a team-best eight rebounds. Junior guard Meghan McIntyre (Santa Rosa Valley, Calif.) added 13 points on 4-of-7 shooting in the win.
Four different Bulldogs scored in double-figures, continuing the theme of balanced scoring for Guth's squad. Sophomore guards Tamara Simpson (North Babylon, N.Y.) and Mary Ann Santucci (Seattle, Wash.) had 12 and 10 points, respectively.
"We talked about it postgame; just wanting everyone to be ready when their name is called. It was a total team effort today," said Guth, whose team held an impressive 30-5 advantage in bench points.
In just 17 minutes on the floor, senior center Emmy Allen (Overland Park, Kan.) and junior guard Lena Munzer (Highland Park, Ill.) combined for 15 rebounds. Sarju had a team-high four offensive rebounds in the victory.
An overall team effort resulted in a performance in which Brown had little chance from the start. The Bears never held a lead in the game, while Yale's largest was the winning margin of 28. The Bulldogs outscored the visitor in each quarter, including a 24-12 edge in the fourth quarter.
"We get excited for a game day no matter what, but today we refreshingly started again with a 0-0 record. Taking it one possession at a time, one game at a time – that's our focus," said Guth.
The Bulldogs shot 44.8-percent (30-of-67) from the field, including 36.4-percent (8-of-22) from three-point range.
The Yale guards also dished the ball around efficiently, helping the Elis record 14 assists to Brown's five. McIntyre and senior captain Whitney Wyckoff (West Chester, Ohio) each had a game-high three assists.
The outcome of the next meeting is to be decided, but Yale was nearly flawless in just about every facet of the game on Saturday. In front of a crowd filled with alumni, youth groups, families and friends, the Bulldogs came to play.
"We talk about our program and representing the brand. For our players to see the brand in person – the alumni who have built this program, the future with some matriculated recruits here…to recognize the entire family and what we represent, it's bigger than ourselves and bigger than the game. I think it's pretty special," said Guth.
Yale held a 38-27 lead at halftime, following a 40-percent shooting effort and grabbing 13 offensive rebounds in the first two quarters. A 16-0 edge in second-chance points aided the Elis in getting the double-digit lead.
The Bulldogs led by as many as 19 in the third quarter, never letting Brown get within 10 points. A 12-0 run in the fourth quarter over a three-minute period expanded their lead to 26.
Wyckoff and sophomore forward Jen Berkowitz (Wayland, Mass.) chipped in nine points each for the Bulldogs. Brown guard Shayna Mehta scored a game-high 16 points.
Next up for the Bulldogs is the rematch with Brown next Saturday as the Ivy League season rolls on. Tip-off is slated for 2 p.m. in the Pizzitola Sports Center and the game can be seen on ESPN3 and the Ivy League Digital Network.


I am a native of Union, South Carolina, I attended Union High School and had a very normal childhood. I have three sisters. Our family attended a small church in our neighborhood. I loved going to church.
Art has always been an important part of my life. I have been painting since 1982, completing over 150 watercolor paintings. I enjoy painting local landscapes and buildings. I am in the process of illustrating my own childrens' storybook and look forward to sharing it with the public.


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DHD: COVID mandate, 'new normal,' time management, deacons, Abbott, Mossman
Posted by Chris Doyle | Jan 14, 2022 | Feature, Word Slingers
It's starting to get cold—again. Just when the weather appears to get nicer, it changes course. That's Oklahoma for you!
Well, I'm going to stay the course and offer six timely topics for you. Thanks for reading!
Mohler on the mandate maneuver
If you haven't heard, the Supreme Court of the United States ruled to block the COVID-19 mandate that was to be enforced by the Biden Administration.
As DHD does often, I yield to Albert Mohler's viewpoint on this ruling which he shared in his Briefing podcast this morning:
"Congress did not give the executive branch any authority to do this through OSHA," Mohler stated, regarding the Biden Administration's enforcement of the mandate through the Occupational Safety and Health Administration. "It didn't do so directly. It didn't do so indirectly. So to allow this kind of rule to stand by OSHA, it simply raises the question, and I've raised this over and over again. If OSHA can promulgate this rule and make it stick, what could it not do? What could this president or a future president order some federal agency to do in service of whatever cause might be the object of this so-called workaround? When you think about what's hanging over us in the threat of any number of issues that would violate Christian conscience, just to say, the LGBTQ issues and policies, you understand why this pattern would be so threatening and why it would be such great concern."
That is the direct concern. It's not about how people view the vaccine. It's not even about a private company or business requiring employees to get vaccinated. This is a major overreach that has no precedent but could lead to OSHA or any government agency having unnecessary power, which, thankfully, was ruled unconstitutional.
Listen to or read Mohler's full commentary, and you will see he is for vaccination but against mandates. I share the same view.
Is this the 'new normal'?
I saw a marquee sign on my drive to work this week, posing a thought, "Maybe this is the new normal," referring to having to deal with COVID on a regular basis.
First, let me say that I find the phrase "new normal" annoying. It has some odd baggage because it could be referring to social changes or differences that are becoming more acceptable—and that could be applied to anything.
Are we going to be forced to wear masks in public from now on? Are we going to be pressured to get new vaccine shots or boosters? Will society as a whole remain in fear of a disease?
My thought is this appears to be more of a trend or fad rather than a stability. Our country dealt with a polio outbreak in the 1940s and 50s. Now polio is a rarity.
More importantly, as Christians, we have no need to fear because we believe in a God who "heals all your diseases" (Psalm 103:3).
Zylstra on time management
It's common for DHD to give a nod to Sarah Eekhoff Zylstra, and that will happen in this edition.
Zylstra wrote a different kind of piece this week. She is usually featuring a modern-day Christian engaging with society somehow. In her article "6 lessons for tending your time," she offers an analogy of farming to encouraging readers how to apply principles of time management.
Check it out. She truly is an excellent read.
A delightful dialogue on deacons
I am an ordained deacon and consider it an honor to serve my church in such capacity. Deacons are utilized differently in respect to the autonomy of each church as identified in bylaws.
Matt Smethurst wrote a great piece titled "5 questions about deacons." Some of what he wrote was enlightening to me. I learned a creative way of explaining the role of deacons in the church.
Being a sports enthusiast, I loved how Smethurst explained that deacons "are like a congregation's offensive linemen, whose job is to protect the quarterback. They rarely get attention, much less credit, but their labors are utterly indispensable for both guarding and advancing the ministry of the Word. Without effective deacons, elders will suffer incessant distraction and get sacked by an onrush of practical demands."
Don't mess around with Jim
Oklahoman sportswriter Jenni Carlson wrote a great article this week about my former boss Jim Abbott who recently retired as athletics director at Oklahoma City University. I worked for Jim from 2003-05. It was my final position in college athletics before I started my journey in pursuing work in Christian ministry—which has led me to work with the Baptist Messenger.
You may have to have an online subscription to read Jenni's article, but she painted a great description of Jim's success in leading OCU Athletics for nearly 20 years.
I also highlight Jim because he was instrumental in me having my secondary job as the official scorekeeper during the home games of the Oklahoma City Thunder. He recommended me to the New Orleans Hornets when the NBA team temporarily relocated to OKC in 2005 because of Hurricane Katrina. I worked the two seasons the Hornets were in OKC before they returned to New Orleans and eventually became the Pelicans. When the Thunder arrived in 2008, they contacted the game personnel, including me, who worked for the Hornets, and offered us similar roles.
So I appreciate Jim when he was my boss, and I will forever be indebted for his role for allowing me my half court seat at the Thunder home games.
Mossman moves on to ministry
I end with highlighting another Jenni Carlson article. This one is about someone I wanted to be my boss. Kenny Mossman served 20 years in the athletic department at the University of Oklahoma, mostly in the area of athletic communications.
For years, I tried like the dickens to get on at OU in sports information. I even applied for an internship when I had a full-time job at the University of Southern Mississippi. This was early in Kenny's time at OU, and he called my boss at Southern Miss and longtime friend, Mike Montoro, to find out why I was applying for a lower, temporary position. Alas, it was not what God had planned, and I am totally content with my current role.
Kenny has retired at OU and is now serving as interim pastor of Carnegie, First. This Oklahoman article should not require an online subscription, but it is a great read. I also appreciate the mention of Hance Dilbeck helping Kenny to get on the path toward full-time ministry. Dilbeck played a major role with my ministry path.
I'm excited for Kenny, and I have heard him speak before and know he will be a great pastor.
PreviousYEC rescheduled for March 13-14


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Home » Consumerism » Despite PCB and Mercury Health Risks, Bush Admin. Aims to Weaken Standards For Industry Friends
Despite PCB and Mercury Health Risks, Bush Admin. Aims to Weaken Standards For Industry Friends
by Brendan|Published July 1, 2004
[ This article follows up another printed here in April. –BL ]
Charlie Tuna: Unsafe At Any Speed
June 29, 2004 | AlterNet.org
The EPA and two doctors' groups have issued strong warnings about the dangers of eating mercury-laced fish. Then why is the White House working to loosen restrictions on mercury emissions from coal-burning power plants?
by Sharon Lerner
Remember when fish was the healthy choice? Today, the pluses of seafood — being low in saturated fat and high in omega-3 oils — are offset by creepy mounting knowledge about how much pollution has become a part of most fish flesh. And, just when you may have been getting a handle on which fish are safe to eat, the seascape has once again shifted.
Updated federal guidelines released in March lowered the amount of albacore that pregnant women, nursing mothers and young children should consume in a week to one six-ounce serving. Now two groups have come out with their own set of more stringent rules about eating fish.
According to fish-eating guidelines released last week by Physicians for Social Responsibility and the Society of Reproductive Health Professionals, children, and women who are either pregnant or considering getting pregnant should further restrict their fish intake, eating salmon, sardines, herring or bluefish only once or twice a month. The groups are raising concerns about these fish because they have high levels of PCBs, a class of chemicals that can cause serious health problems. The new, stricter guidelines also recommend that children under 12 altogether avoid several types of fish, including albacore tuna, which is now the single biggest source of Americans' exposure to mercury.
It's easy to roll your eyes — or panic — at the idea of more rules being imposed on what we should or should not eat. We already have E. coli and mad cow disease to think about, not to mention that whole perplexing business about carbs. But even the most determinedly relaxed eaters may want to think about how much fish they eat — especially if they are women considering having kids.
PCBs, which can cross the placenta and enter the fetal blood stream, can cause cancer, nervous system damage and disruption to brain development. These chemicals are plentiful in farmed salmon, the kind you now find in most restaurants or stores. According to a 2003 study done by the Environmental Working Group, a watchdog organization made up of independent scientists, farmed salmon purchased at grocery stores in Washington DC, San Francisco and Portland, Oregon, had 16 times the PCBs found in wild salmon.
Mercury is similarly toxic to developing bodies. In high doses, the chemical can cause mental retardation and even death; in smaller doses, children's exposure — whether while in the womb, or directly from eating — can result in irreversible problems with memory, motor skills and learning capacity.
The Environmental Protection Agency, which issued the government's fish guidelines in conjunction with the Food and Drug Administration, estimates that millions of women have been exposed to mercury above recommended levels. And, according to a 2000 National Research Council study that was commissioned by Congress, some 60,000 children born in the U.S. each year may have neurological problems as a result of mercury exposure.
The good news is that, after eating less fish, the amount of mercury in blood should eventually fall to safe levels. (Some PCBs, on the other hand, remain in the body permanently.) The key, according to mercury experts, is eating fish of any kind only twice a week and completely avoiding swordfish, tilefish, king mackerel and shark, which both the feds and doctors' groups agree have so much mercury they should never be eaten.
Mercury and Coal
The bad news on the fish front, unfortunately, has the potential to outweigh the careful warnings of well-intentioned doctors and government scientists. Even as the Environmental Protection Agency and others caution about the dangers of polluted fish, the White House is working to undermine restrictions on coal-burning power plants, which are responsible for the premature deaths of 23,600 Americans each year, according to a June report commissioned by the environmental coalition, Clear the Air.
The power plants release the chemical into the air through smoke stacks. It falls into rivers, lakes and oceans, and, from there, mercury — actually a byproduct of mercury called methylmercury, created when microorganisms in water process mercury — accumulates in fish. But the Bush administration has proposed weakening efforts to clean up mercury emissions from 1,100 coal-fired power plants around the country.
Back in 2000, the Clinton administration declared mercury a toxic substance and was in the process of requiring owners of coal-fired plants to install millions of dollars' worth of equipment to reduce their emissions. The Bush administration, however, recently proposed its own rules. According to the White House website, its "Clear Skies" plan, if fully implemented, would reduce mercury emissions by 69 percent. But whatever reductions it would require are far less than those set by existing legislation. The Bush plan calls for an annual cap of 34 tons of mercury emissions by 2010, while the Clean Air Act already in place would limit industry output to 5 tons per year by 2008.
Why would the government ease restrictions on pollution that causes a serious health risk? The origins of the legislation point to one answer. The language of the Bush proposal to regulate mercury emissions was strikingly similar to that contained in memos drafted by a law firm representing coal-burning power plants, according to the Los Angeles Times. Indeed, there are strong ties between the White House and the energy industry that would benefit from the plan to loosen restrictions on mercury pollution.
Andrew Lundquist, who served as executive director of Dick Cheney's energy task force and the Vice President's energy policy director, is now a lobbyist representing a Wyoming coal-mining entity, among other energy companies, according to a Boston Globe report.
Relief may be in sight. After a period of public comment that ended June 29, the Environmental Protection Agency is working on a final version of its mercury emission rules. And, with John Kerry promising to reverse any roll-backs of the clean air laws, environmentalists are looking to the November election as the best way to limit pollutants in fish. In the meantime, even rule-weary eaters would do well to follow the latest guidelines when it comes to seafood.
Sharon Lerner is a senior fellow at the Center for New York City Affairs at Milano Graduate School, New School University.
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Hagen to Dusseldorf distance is 198 KM.
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I'm old enough to remember a time when it was laughed it off as a joke when classmates accused you of having cooties. But nowadays, cooties, or head lice, are no laughing matter. There are more cases of head lice infestations among children ages 3 through 10, than all other communicable diseases combined, except for the common cold.
Head lice are among the 3,000 species of louse that harass birds and most mammals. Head lice feed only on humans and cannot be transferred to pets. Like all the louses, head lice are ectoparasites, insects that live on the surface of their hosts, rather than inside them.
The head louse spends its entire life living on the human scalp, feasting on blood. Females lay 3 to 10 eggs, or nits, a day on strands of hair, and as many as 100 nits during their 30-day lifetime. The nits are attached to hair follicles with fixative cement secreted by the louse. This makes nits very hard to remove.
The tiny vampires can't fly and can't jump with their stumpy little legs. Head lice can, however, crawl very quickly from hair to hair. They spread to non-infected persons through direct head-to-head contact. In addition head lice can be spread through indirect contact—the sharing of headphones, combs and hair brushes, hats, helmets, and headbands.
The head louse has a very efficient tube-like mouthpart armed with sharp teeth. The blood-sucker will bite the scalp four to five times a day to feed. Like mosquitos, lice inject an anti-coagulant to prevent blood clotting. Allergic reactions to the saliva are not immediate and may not appear for several weeks. This means a scratching, frustrated child may have already had head lice for two weeks. Repeated scratching can cause inflammation or even infection from lice feces. Symptoms include mild fever and irritability.
Six to 12 million American children are treated for head lice every year. The lice are not an indication of poor personal hygiene or living in an unclean environment. Treatment requires chemical shampoos available at drug stores. Once the nits are picked, keep your kids from sharing pillows, hoods, and headphones with their friends. That way they won't be having a lousy time at school.
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Home > China-Africa Relations > Economic Cooperation
Kenyan-based Chinese ceramics firm mulls exports to DRC, South Sudan
Source:Xinhua 2019-07-10
NAIROBI, July 9 (Xinhua) -- Kenya-based Chinese ceramics firm, KEDA Ceramics is exploring exports to the Democratic Republic of Congo (DRC) and South Sudan.
Li Ruiqin, managing director of KEDA (Kenya) Ceramics said that the company already exports to Tanzania, Uganda and Rwanda about 30 percent of all production from its manufacturing facilities in Kenya.
"We are exploring new markets in East and Central Africa such as DRC and South Sudan which have growing demand for ceramic products," Li told Xinhua during a tour of the KEDA Ceramics factory located in Kajiado county about 60 km south of capital city, Nairobi.
KEDA (Kenya) is a joint venture incorporated on 2016 by KEDA Clean Energy and SUNDA international.
Li said that his organization currently has a daily production of 60,000 square meters of ceramic tiles on its 60 acres manufacturing facility.
"We have two tile production lines with an investment amount of over 56 million U.S. dollars (5.7 billion shillings)," he added.
According to KEDA Ceramics, the firm has so far created 1,500 job opportunities, including 1,000 local employees and other jobs in the supply chain and distribution network.
He noted that the firm has a strong localization focus with over 95 percent of its personnel being Kenyans.
Li said that his firm has been able to expand its sales and market share in the East African region due to heavy investments in research which has resulted in production of innovative products.
"We were the first company in Kenya to introduce water proof tiles, which will revolutionize the construction sector," he revealed.


I had so much fun this year at Deluxe! My mom came to town to help me with the show. We ended up staying up the whole night before, and only giving ourselves a 30 minute nap to keep us going. I don't recommend this at all, but I had a lot of little things to do that I didn't have time for the week before the show and honestly I rarely sleep very much the night before a show because I'm too excited.
This was my first year to have a wall. I built it out of pvc pipe with some help from Bill at Home Depot. I had enough pipe for three sides, but Walmart didn't have enough of the black shower curtains so I just went with one for the back of the booth.
I had a pretty good show considering that I cut back my production quite a bit this year. My booth was really busy most of the day. Every time I'd get a break I would start to get up to walk around and then I'd get a huge group of people again. I was finally able to walk around and do a little shopping at 4.
I didn't buy very much this year. Most of my Christmas shopping was already done and we didn't really need anything. I wasn't in shopping mode at all, which is really rare! I got a Fried Okra sock monkey angel ornament for my niece and another Sweetheartville prayer candle for my collection (this one is the patron saint of sewing). Then Sheldon and I picked out a piece of art from my booth neighbor, Hook Line Sinker. Ashley makes really awesome jewelry from fishing lures but she's also a local tattoo artist (at the same shop where we get tattooed). I've admired her paintings for quite awhile and Sheldon agreed that we needed one of her Oklahoma pieces. We always try to pick up one piece of art at the shows we attend and our walls are slowly getting covered with really awesome pieces of art.
I really liked having the iPad show photos of the pieces, especially since the bows can be used in so many ways. With a small booth, it's hard to talk to everyone that comes in because the space gets crowded really quickly. Having the slideshow looping in the background was really helpful at showing people styling options.
This was also my first year to accept credit cards. I've had a Square reader for a year now and finally had a chance to use it. Not only is the app great because it allows you to scan credit cards and offer receipts. But, it also is really great to keep track of all sales. It changed my life as a craft show artist!


Griffin Jewellers ("We") are committed to protecting and respecting your privacy.
Information that you provide by filling in forms on our site griffinjewellers.co.uk (our site). This includes information provided at the time of registering to use our site, subscribing to our service, posting material or requesting further services. We may also ask you for information when you enter a competition or promotion sponsored by Griffin Jewellers, and when you report a problem with our site.
We store a session number within the cookie. No customer identifiable information will be stored within the cookie.
Except for essential cookies, all cookies will expire after a period of 7 days.
To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes. In the case of product enquiries, your e-mail address, including details of the watch you selected, will be stored so that we can return a written quote by e-mail or send offers on similar watches or other offers that might be relevant to you. For instance, we may contact you with price and availability information on watches that both we and third parties (authorised watch dealers) have in stock.
To run competitions, promotions and events, both ours and those from carefully selected third party companies.
We may also use your data, or permit selected third parties to use your data, to provide you with information about goods and services which may be of interest to you and we or they may contact you about these by telephone or e-mail.
If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please either email sales@griffinjewellers.co.uk or click on the unsubscribe link, which is displayed at the end of e-mail correspondence.
In the event that Griffin Jewellers does not have a supplier for a particular brand or individual watch, in which case we may pass your details on to a third party authorised watch dealer (high street shop) so that they can quote on price and availability.
If Griffin Jewellers or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of or terms and conditions of sale or purchase and other agreements; or to protect the rights, property, or safety of Griffin Jewellers, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
You have the right to ask us not to process your personal data for marketing purposes. You can exercise your right to prevent such processing by clicking on the unsubscribe link, which is displayed at the end of e-mail correspondence. You can also exercise the right at any time by contacting us at Sales@griffinjewellers.co.uk.


Lexmark's Smart Document Capture for Banking helps banks automate and streamline manual and paper intensive processes to increase employee productivity and provide customers with the service they expect.
With Smart Document Capture, banks are able to facilitate capture and scanning at the point of origination. As a result, documents are digitally indexed and tracked, with extracted data and content seamlessly routed to the bank's back end systems.
Errors are automatically caught from the beginning of the process and presented to the banker, allowing them to address exceptions before the customer leaves. This level of automation simplifies processing, allows for more time to address customer needs and gives branch employees the opportunity to sell other bank products and services.
Banks want to transform paper-based processes, staff branches with fewer employees and improve the customer experience. By capturing documents in the branch, the moment they're received, you'll be able to reduce manual verification and data entry, and make redundancies a thing of the past.
For simple new account openings, a high percentage of accounts can be processed straight through without manual intervention – leaving back-office personnel to only address exceptions. As a result, you'll complete processes faster, at a lower cost, for a higher level of customer satisfaction.
The painstaking tasks of meeting ever-changing compliance regulations and enforcing standardized processes can reduce efficiencies and lead to expensive fees. Smart Document Capture makes it possible to capture paperwork and data from the branch and incorporate business rules to immediately verify compliance, enabling you to address new regulatory requirements without additional resources or employees.
With content quickly converted from paper to digital, you'll also be able to enforce increased security, facilitate easy storing and archival, and always have an audit trail to reference when demonstrating compliance.
We understand that your processes, systems and information requirements are unique to your business, and a rigid, one-size-fits-all solution just won't do. That's why we built Smart Document Capture to be agile and customizable. The solution's capabilities can range from scanning directly to your system of record to intelligently processing documents.
When it comes to choosing what's right for your bank, you'll be able to decide what level of capabilities best meet your specific needs. In addition, our versatile integration options ensure flexibility in your infrastructure, and allow you to more tightly connect and unite business processes and systems.


These yellow Chemical Spill Containment booms are ideal for use on land for large hazmat chemical spills.
Our chemical spill absorbent booms are perfect for construction sites, airports, fuel sites and industrial facilities to have on hand for containment of large volume spills. These chemical booms are constructed with a strong mesh outer skin encasing a highly sorbent polypropylene filler.
Filler will not shed. A nylon rope and steel hardware ensure long-lasting durability and easy retrieval. Connectors provide an efficient way to link booms together to handle almost any spill on land. These chemical spill absorbent booms are a safety yellow in color for quick identification in case of an emergency spill.
The reason these chemical spill absorbent boom socks are very popular on construction sites is they are easy to deploy and you only have to use the number of booms needed to fit the size of the spill because of the way they easily connect together. Our chemical booms are able to absorb and contain almost any liquid. These chemical spill absorbent boom socks are ideal for when you do not know what the liquid is. Suitable for most acids and aggressive fluids such as hydrofluoric, hydrochloric, phosphoric, nitric and sulfuric acids. Also use with hydrocarbons such as oils, diesel, gasoline, jet fuel, hydraulic oil, vegetable oil and kerosene. Because the booms will also absorb all water based fluids they will not float on water. To contain and absorb oil on water you need our oil absorbent booms or our non-absorbing booms.
Our chemical spill containment booms are available in 5" and 8" diameters and 10 Foot lengths. Helps you comply with Federal Regulations.
Order below today to have suitable quantities of chemical spill absorbent boom socks on hand to prevent costly clean-up and to prevent possible fines.
Yellow color for quick identification in emergency.
Suitable for acid, water based and hydrocarbon fluids.
Encased with nylon rope with steel clips.


text:
from __future__ import unicode_literals
import sure  # noqa

import moto.server as server

'''
Test the different server responses
'''

def test_s3_server_get():
    backend = server.create_backend_app("s3bucket_path")
    test_client = backend.test_client()

    res = test_client.get('/')

    res.data.should.contain(b'ListAllMyBucketsResult')

def test_s3_server_bucket_create():
    backend = server.create_backend_app("s3bucket_path")
    test_client = backend.test_client()

    res = test_client.put('/foobar', 'http://localhost:5000')
    res.status_code.should.equal(200)

    res = test_client.get('/')
    res.data.should.contain(b'<Name>foobar</Name>')

    res = test_client.get('/foobar', 'http://localhost:5000')
    res.status_code.should.equal(200)
    res.data.should.contain(b"ListBucketResult")

    res = test_client.put('/foobar2/', 'http://localhost:5000')
    res.status_code.should.equal(200)

    res = test_client.get('/')
    res.data.should.contain(b'<Name>foobar2</Name>')

    res = test_client.get('/foobar2/', 'http://localhost:5000')
    res.status_code.should.equal(200)
    res.data.should.contain(b"ListBucketResult")

    res = test_client.get('/missing-bucket', 'http://localhost:5000')
    res.status_code.should.equal(404)

    res = test_client.put('/foobar/bar', 'http://localhost:5000', data='test value')
    res.status_code.should.equal(200)

    res = test_client.get('/foobar/bar', 'http://localhost:5000')
    res.status_code.should.equal(200)
    res.data.should.equal(b"test value")

def test_s3_server_post_to_bucket():
    backend = server.create_backend_app("s3bucket_path")
    test_client = backend.test_client()

    res = test_client.put('/foobar2', 'http://localhost:5000/')
    res.status_code.should.equal(200)

    test_client.post('/foobar2', "https://localhost:5000/", data={
        'key': 'the-key',
        'file': 'nothing'
    })

    res = test_client.get('/foobar2/the-key', 'http://localhost:5000/')
    res.status_code.should.equal(200)
    res.data.should.equal(b"nothing")

def test_s3_server_put_ipv6():
    backend = server.create_backend_app("s3bucket_path")
    test_client = backend.test_client()

    res = test_client.put('/foobar2', 'http://[::]:5000/')
    res.status_code.should.equal(200)

    test_client.post('/foobar2', "https://[::]:5000/", data={
        'key': 'the-key',
        'file': 'nothing'
    })

    res = test_client.get('/foobar2/the-key', 'http://[::]:5000/')
    res.status_code.should.equal(200)
    res.data.should.equal(b"nothing")

def test_s3_server_put_ipv4():
    backend = server.create_backend_app("s3bucket_path")
    test_client = backend.test_client()

    res = test_client.put('/foobar2', 'http://127.0.0.1:5000/')
    res.status_code.should.equal(200)

    test_client.post('/foobar2', "https://127.0.0.1:5000/", data={
        'key': 'the-key',
        'file': 'nothing'
    })

    res = test_client.get('/foobar2/the-key', 'http://127.0.0.1:5000/')
    res.status_code.should.equal(200)
    res.data.should.equal(b"nothing")

redpajama_set_name: RedPajamaGithub


text:
Theta Carousel
Hint Fashion Magazine
Vetements and Its $924 Replica T-Shirt
by None
Turns out the DHL shirt from Vetements' spring collection, which retails for $330, is just the beginning of the thrift-as-luxury ride. The buzzy label's latest upcycled curiosity, an oversized replica of a vintage Snoop Dogg T-shirt, comes with a fashion-victimizing price tag of $924 (by pre-order at SVMoscow).
Discovered by a Twitter user, who posted a side-by-side (see below), the high-priced vintage appropriation has sparked a mini-furor across the blogosphere worthy of the brand's disruptor aspirations.
On the one hand, supporters point out, it's a limited-edition item, thus not cheap. Plus, licensing fees are apparently factored in, paid to Death Row records, makers of the original merch in 1993, taken from Snoop Dogg album art, itself taken from photog Dan Winters' cover shoot for VIBE magazine.
On the other hand, say detractors, it's merely studied rejection of originality and exploitation of hype — hardly the change anyone was looking for.
Either way, Snoop Dogg is the new DHL.
https://t.co/5zE1urAkoX
— Chad (@Fourty8XL) April 13, 2016
04.13.2016 – Hint Blog / $924 / DHL / Snoop Dogg / t-shirt / Vetements
Oxford theme by The Theme Foundry


text:
Jobs Boost for Sligo as US e-commerce company Overstock create 100 new R&D jobs
Great news for Sligo this morning as US technology firm Overstock is to create 100 new R&D jobs at its facility in Sligo.
Overstock is a Utah-based online retailer that sells a broad range of products including furniture, bedding, decor, rugs, jewellery and electronics.
The company is to grow its existing development centre in the town which currently employs 40 people.
The new roles are in a range of areas including software development and testing, machine learning, and data analytics.
About Overstock
Founded in 1999, the $2 billion online retailer also runs a blockchain accelerator, Medici Ventures. The company has been in Sligo since 2013.
The expansion has been welcomed by the Minister for Business, Heather Humphreys and by IDA Ireland which supported the investment.
"Overstock has been at the forefront of developing technology to make our customers' lives easier, and our Sligo tech teams have been crucial to that effort over the past five years.
"I'm excited to soon welcome so many more talented technologists from Ireland to the Overstock family."
Dr. Patrick M Byrne, Founder and CEO of Overstock
Jobs in Sligo


text:
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Near ZIP code:
VIEW PHOTOS »
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1. settle or find a solution to (a problem, dispute, or contentious matter).
"the firm aims to resolve problems within 30 days"
"she resolved to call Dana as soon as she got home"
"she received information that strengthened her resolve"
"homes were swept away by the deluge"
inundate with a great quantity of something.
"we have been deluged with calls"
To use the words or ideas of another person as if they were your own words or ideas.
He plagiarized a classmate's report.
She plagiarized from an article she read on the Internet.
skill and cleverness that is shown in the way someone deals with a situation, problem, etc.
"the crucible of the new Romantic movement"
a promise to yourself that you will make a serious effort to do something that you should do: He made a resolution to lose weight. [=he resolved to lose weight]; Her New Year's resolution [=her promise to do something differently in the new year] is to exercise regularly.
a formal statement that expresses the feelings, wishes, or decision of a group: The assembly passed a resolution calling for the university president to step down.
the point in a story at which the main conflict is solved or ended: the resolution of the plot.
have a commanding influence on; exercise control over.
"the company dominates the market for operating system software"
"the race was dominated by the 1992 champion"
"a picturesque city dominated by the cathedral tower"


text:
Q: Is this particular statement a phrase or a clause? The difference between clauses and phrases has been extensively discussed (here, here, and likely elsewhere). And as Dusty has said, "The short answer [is that] clauses contain a subject and its verb, while phrases do not."
In a recent comment (found here), I noted that the questioner's sentence—"The day I was born, Granny died"—was formed by two clauses. However, phoog responded that "the day I was born" is not a clause, but rather (I presume) a phrase.
Is this true? If I am to judge by Dusty's short answer—that a clause contains a subject and a verb—then "the day I was born" checks out as a clause. My understanding is that "the day I was born" is a subordinate clause—or, in the words of Wikipedia, "a clause that provides an independent clause with additional information, but which cannot stand alone as a sentence."
Unless you think they are necessary to the meaning of your answer, I do not need definitions of phrases and clauses. Rather, I am looking for a definitive answer—phrase or clause—and proof as to how or why you came to that conclusion.
EDIT: I deleted this question because I felt as though it had been answered on the original post by phoog. He responded to my comment, noting that "[the day I was born is] an adverbial noun phrase. It has no predicate, as a clause must. The clause I was born modifies the day, but the fact that the phrase contains a clause doesn't make it a clause."
However, Araucaria commented on another post of mine, asking me to reopen this question. He states, "The linked-to answer is a bit misleading (to say the least), but your question is excellent, and is a very good example for people to investigate!" That said, I have reopened the question and am curious to hear any and all opinions and/or interpretations of phoog's explanation.

A: "The day I was born, Granny died"
Inverted --->  "Granny died the day I was born."
In full ---->  "Granny died on the day that I was born."
Same structure ---->  "Granny died on Tuesday."
Answer
"the day I was born" is a noun phrase.
"I was born" is a clause.

redpajama_set_name: RedPajamaStackExchange