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Proportional Representation – Disproportional Influence
1Law4All
general elections, karl du fresne, Labour Party, Maori Party, marama fox, mmp, National Party, new zealand, NZ First, the greens General Elections, The Maori Party 2
By Dr Muriel Newman
The 446,287 special votes cast during last month's election have now been counted. According to the Electoral Commission, the final election tally gives National 44.4 percent of the party vote and 56 seats, Labour 36.9 percent and 46 seats, New Zealand First 7.2 percent and 9 seats, the Greens 6.3 percent and 8 seats, and ACT 0.5 percent and one seat.
In other words, as a result of the special votes, National has lost two seats from the provisional total on election night, while Labour and the Greens have gained one seat each.
In terms of potential future coalition deals, in a Parliament where 61 seats are needed to govern, the National Party and New Zealand First would have 65 seats between them, while Labour, the Greens and New Zealand First would have 63 seats.
Under New Zealand's previous First Past the Post voting system the party with the most electorates would have won the right to govern. Had the 2017 election been held under FPP, in all likelihood National, which won 41 electorates compared with Labour's 29, would have gone on to form a government – albeit with only 44 percent of the popular vote.
Critics argued, however, that such minority governments were unfair to the majority who did not vote for the winning party. This, and other factors, gave rise to the review that resulted in a change to the Mixed Member Proportional voting system.
Fast forward 21 years, through seven previous MMP elections, to 2017 and we now have the bizarre situation where the most popular party – and by a clear margin – could be locked out of government entirely.
So, even though the National Party gained ten more seats at the election, than Labour, if New Zealand First decides to team up with Labour and the Greens in a ruling coalition, the 1,152,075 people who voted for National – out of the total of 2,630,173 votes cast – would have no representation at all in the new Government.
In other words, while MMP has delivered proportional representation, it has not delivered proportional power. In fact, we have seen this many times before, when small parties can, and do, hold the country to ransom, wielding influence that is far greater than their proportion of the vote. And while critics are currently expressing strong warnings about the power that New Zealand First now has, we should not forget that in the last three Parliaments, the Maori Party was able to impose its radical separatist agenda onto the country – even though in the 2014 election it gained only 1.3 percent of the total party vote.
As this week's NZCPR Guest Commentator, freelance journalist Karl du Fresne explains, not only was MMP sold to New Zealanders on the understanding that it would keep extremism out of Parliament – which it has clearly failed to do – but it has also enabled coalition parties to dodge some of their more difficult election pledges:
"Adopted in 1996 and modelled on the electoral system created in post-war Germany to ensure that no extremist party could again win total power as the Nazis did, MMP was promoted to Kiwi voters as a means of reasserting control over rogue politicians. In fact it turned out to be every bit as flawed as the first-past-the-post system it replaced.
"Under MMP, voters are shut out of the game the moment the votes are in. Unless one party has an absolute majority, which hasn't happened in any of the eight elections since MMP was introduced, the politicians then disappear behind closed doors to do whatever furtive horse-trading is necessary to cut a deal.
"At that point, all bets are off. Every policy dangled in front of voters during the election campaign is effectively up for negotiation. What were solemnly declared on the campaign trail to be bottom lines become wondrously elastic or evaporate altogether. Voters have no influence over this process and can only await the outcome."
The election result has some claiming it's time for another review of MMP.
In particular, the 'wasted' vote arising from the demise of the Maori Party and the failure of The Opportunities Party and other minor parties to gain Parliamentary representation, has led to calls for a reduction in the 5 percent party vote threshold to enter Parliament.
In the last three elections, parties bankrolled by wealthy individuals, who positioned themselves at number one on their party list, attempted to win seats in Parliament. Had the threshold been dropped to 4 percent, Colin Craig and the Conservative Party would have entered Parliament in 2014, and if the threshold was 2 percent, Gareth Morgan and TOP would have been successful at this election.
Calls to reduce election thresholds are common in countries with proportional voting systems.
In fact, following a decision in Germany by the Constitutional Court in 2011, that the 5 percent threshold for European Parliamentary elections disadvantaged small parties and was unconstitutional, the threshold was reduced to 3 percent. However, the Court then ruled the new three percent threshold also hurt the equal opportunities of parties and so the threshold was then removed altogether.
As a result, while Germany has still retained a 5 percent threshold in its Federal Parliament, where five parties are represented, in the European Parliament, the seven parties that represented Germany before the threshold was removed, have now grown to 15, with seven of them – including the neo-Nazi National Democratic Party – having only one member each.
In other words, concerns that removing or reducing the threshold under proportional electoral systems would undermine political stability through fragmentation and the rise of radical parties, has indeed been borne out.
If New Zealand's five percent threshold was lowered, and it was easier for more extremist minor parties to hold the balance of power, then all of the concerns that are currently being raised by the critics of New Zealand First would be exacerbated.
Those critics have also been disapproving of New Zealand First's insistence that the special votes had to be counted before coalition talks could begin. However, they need to remember that in the past, the special votes have had a profound impact on election results. In 1999, the 225,329 special votes pushed the Green Party over the threshold for Parliamentary representation, resulting in them gaining and other parties losing seven seats – one from New Zealand First, two from National, three from Labour and one from the Alliance.
There have also been criticisms about the timeframe of coalition negotiations, but the overseas experience with MMP shows that most coalitions take months to formalise, rather than weeks. The record is Belgium, which, in 2011, went 589 days without an elected government! That was even longer than in Iraq, which struggled in 2010 to form a government after the fall of Saddam Hussein, only managing to do so on day 249 of the stalemate.
In Germany, which held its election the day after ours, coalition negotiations aren't expected to deliver results until at least three months after the election. And in Holland, which held its election back in March, a ruling coalition still hasn't been finalised.
In New Zealand, the length of time between the election and the swearing in of a new government has varied from just over three weeks in 1999, to over eight weeks in 1996 – our first MMP Government. Over the last three elections, the formation of a National-led coalition has taken around four weeks.
One of the most notable aspects of our election was the demise of the Maori Party – at least from Parliament. Many commentators have argued that this was due to it becoming too close to the National Party through its coalition deals over the last nine years. While that may have had an impact, there are many other factors that have contributed to the Maori Party losing the support of voters on the Maori roll.
One that commentators don't mention is the fact that much of what the Maori Party stands for is at odds with what most New Zealanders want – including most Maori. The Party's ideology embraces the class system, tribalism, and racial privilege – "values" that are the antithesis of what it means to be a Kiwi: fairness, equality, humility.
The net result of the Maori Party's agenda is a tribal elite that is doing very well for themselves, while disadvantaged Maori continue to struggle.
Quite simply, by becoming a vehicle for Maoridom's elite, the Maori Party lost touch with the needs of its electorate base.
In fact it is also likely that the Maori Party had become too radical for most Maori. At the start of the election campaign, Maori Party President Tukoroirangi Morgan outlined that the ultimate objective of their Maori supremacy agenda was to become a permanent Treaty 'partner' in Government: "The Maori Party represents the dreams and aspirations of all Maori who believe that we have a right to share political power and resources as was envisaged under Te Tiriti o Waitangi. This year is … about sending a clear and undeniable message that the Maori Party is the only genuine and independent Maori voice in Parliament. We will not be subservient to the Pakeha and tokenistic Maori leadership in the mainstream political parties. Our wero and call to arms is Mana Motuhake – our right to shape our own destiny."
As it turned out, however, most Maori voters did not support the Maori Party's separatist approach, preferring instead to support the Labour Party candidates in the Maori seats and be part of the mainstream.
The Maori Party's co-leader Marama Fox – who stands in both worlds with a Maori mother and European father – was scathing about voters on the Maori roll opting to vote for Labour: "What I think the whanau have done is they've gone back to the mothership, they've gone back like a beaten wife to the abuser who has abused our people over and over again… They want to go back to the age of colonisation, where the paternalistic parties of red and blue tell Maori how to live."
Such was her anger on election night that she even refused to concede defeat: "I don't concede because conceding means that we let red and blue government rule our people like they've done so for a hundred and fifty years. I don't concede to that. Not ever. We'll be back to fight another day."
In fact, Marama Fox outlined the plan for shared sovereignty in a recent interview in the Listener: "In her vision, New Zealand would gradually move to its own unique form of governance, one that would abandon the Westminster model in favour of Maori customs, principles and values."
She had 'plotted it out': "It would take 36 years – 12 election cycles – for a Maori sovereignty party to share government… it's a radical vision… but if we believe in it, then we need to march towards it. The critical step in shifting New Zealand thinking is to make the Maori language a core subject in the country's schools."
Marama Fox argued that "people look at things differently once they've acquired te reo. It's a world view. The Maori world view is different and that's expressed in the language. The language unlocks our history and our thinking."
In other words, the compulsory teaching of the Maori language is the key to imposing a Maori world view – and Maori supremacy – onto New Zealand. It's no wonder sovereignty advocates are so strongly pushing for the compulsory teaching of the Maori language in schools. It's a pre-requisite for their march to ultimate power.
While the Maori Party have lost their Parliamentary representation, it would be naive to think they will disappear. No doubt they will return to activism while they rebuild their party in the hope of coming back as a more powerful force in three years time. That activism will include targeting the most impressionable members of our community, with a campaign to make Maori language compulsory in our schools – and continue to portray Maori as the chief victims of our history.
[From a newsletter by Muriel Newman]
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Last summer I travelled through Italy and I wrote a post about all the lessons I took from the incredible experience. One lesson was not to form a judgement until I had seen somewhere with my own eyes. I thought Venice would smell and induce panic attacks from all the birds in the city (I have an intense phobia of birds). I also thought Rome would be a history lesson of all history lessons, filled with beautiful cobbled streets, little hidden coffee shops and panoramic views that would bring scenes of Eat Pray Love to life... I could not have been more wrong.
I thought it was about time that I explained myself in more detail, and what better way to start than with the city that stole my heart.
When I think of Venice (which happens often), one word comes to mind... magical.
As I stumbled off the train last June and stood in front of the entrance staring into the city at sundown, everything was seemingly picturesque. It was as if I had fallen onto a Disney set and somebody was going to jump out screaming 'CUT,' moving away the backdrop. I waited, but nothing happened.
The view was simply beautiful. Old, quaint, Italian buildings, fighting to stay above the water, as boats glided past and the sun laid down to rest. It took a few moments to digest what I was seeing and it is a memory that I hope never fades.
We spent three days wandering the city of Venezia, with narrow streets and tall buildings either side, it's easy to get lost. Every time you think you're going in the right direction, you hit water, and are forced to head back the way you came. It's a maze, but being lost often results in finding magic.
Piazza San Marco is the most popular place in the city, but not at 6am or 9pm. Early in the morning and late at night it becomes a ghost town - absolute perfection if you can't stand huge crowds - and the architecture is otherworldly!
Murano was my kind of place. Quiet, quaint, picturesque and homely. There was something very traditional about this little Island situated right next to a city filled with tourists. It felt like home - and the only way to go home, was by boat.
The water bus in Venice is fundamental. Buy a pass (50euro for 72 hours), jump on board and head to the back of the boat. There's four seats outside and they will provide you with the most incredible views of the entire city. Watch the waves splash against the side of the boat as you head out into the open sea, and marvel at the panoramic view of the city. I spent more time on water than I did on land and I don't regret a second of it.
During our first day there was a heavy thunderstorm. Streets were flooded, cameras were broken and a few hours were spent hiding under a bridge watching the thunder and lightening above our heads. We were soaked and smelly, but even in the pouring rain I had a smile on my face. No storm could dim the beauty of Venice.
There are many places I have wanted to return to, but so far I have never been to the same place twice. Venice will be my first. I have to go back. I need to go back. I want to learn my way around the maze, stay in a hotel on the water and look out my window in the morning watching the boats go past.


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James Herbert MacNair, 1868-1955: A Brief Biography
George P. Landow, Professor of English and Art History, Brown University
[Victorian Web Home —> Visual Arts —> Decorative Arts —> Furniture —> James Herbert MacNair]
James Herbert MacNair (1868-1955) is the least well known member of the so-called "Glasgow Four," a group of designers that also included the great Charles Rennie Mackintosh and Margaret and Frances Macdonald. MacNair was born in Glasgow, educated at the Collegiate School, Greenock, and, after studying watercolour painting in France, apprenticed himself to John Honeyman, a Glasgow architect, where he became friends with Mackintosh, a draughtsman with the firm. They attended Glasgow School of Art evenings, eventually meeting their future wives and co-workers -- the Macdonald sisters.
MacNair completed his work at School of Art sometime in 1883 or 1884, and according to Roger Billcliffe, he opened "an office of his own at 227 West George Street, Glasgow (1895). From this address he worked as a designer, producing furniture, book-illustrations, book-plates, watercolours and posters, but never any architectural work. . . .Unlike Mackintosh, however, he does not appear to have received a major decorative commission, and were it not for the allowance from his father it is doubtful whether he could have made a living purely as a designer" (49).
On several counts 1897 proved a fateful year. An office fire destroyed much of his work, an article on Glasgow designers in The Studio brought him some prominence, and his appointment as Instructor in Design at the School of Architecture and Applied Art at University College, Liverpool, led him to leave Glasgow. A popular teacher, MacNair carried out some interesting commissions for decorative schemes in the Liverpool area. He married Frances Macdonald in 1899, but the couple encountered hard times after he lost a small private income when a family shipping business went bankrupt. In an attempt to repair their fortunes, the couple returned to Glasgow, where MacNair met with a chilly reception from his wife's family.
According to Billcliffe,
The Macdonalds no longer approved of MacNair; he did not have the social standing of Mackintosh, an architect, and now he had returned penniless to Glasgow. When the sisters married, the exact opposite was the case -- MacNair came from a wealthy family of military stock, while Mackintosh was the son of a policeman, and it was Charles, not Herbert, who was shunned by the family. The family's attempts to help the couple were far from altruistic: they paid MacNair's fare over to Canada, but not Frances's, in the hope that he would find a job there and not return. Within a few months of leaving Frances, however, he returned, and they were not separated again. After this the family disowned them. [66]
In desperate financial straights, MacNair tried a variety of jobs, including work as a postman and, later, manager of a garage, but after his wife died in 1921, he "vowed never to design or paint again," and two decades later he burned "a large trunk of drawings and watercolours by both Frances and himself" (66). He moved to an old people's home in 1943, dying in 1955.
Billcliffe, Roger. "J. H. MacNair in Glasgow and Liverpool." Walker Art Gallery (Liverpool) Annual Report and Bulletin 1 (1970): 48-74.
White, Gleeson. "Some Glasgow Designers and Their Work (Part II)." Studio 11 (1897).
MacNair
Created July 1999; last modified 15 July 2015

redpajama_set_name: RedPajamaCommonCrawl


I love the candybar style of the phone it's easy to use and the camera quality is great. But 7 months after its release, Features of the L6 include Bluetooth , MP3 ring tones, camera and video on it. The Spirit X Bluetooth headphones from Soundcore are meant to endure your most intense workouts. Don't just make a call – make a statement.
Move to the groove and listen to your favorite MP3 music tracks. Views Read Edit View history.
Sync apps from your Bluetooth-enabled office laptop or use a Bluetooth-enabled headset to free your hands at home. It was released in June Motorola Slvr L7 – pink Unlocked slvrl7pink. Skip to main content. Motorola Slvr L7c Verizon Wireless motl7c. Good basic phone Overall, what I expected when I motorola moto slvr l7 to buy.
Segan is also a multiple award-winning travel writer. Some users may not notice the difference as the display is perfectly serviceable for most uses. Create a Guide I Have This.
The item may be a factory second or a new, unused item with defects or irregularities. Great Phone I bought this phone because the one I first purchased, 2 years ago, got used so much that I needed a replacement.
Fastest Mobile Networks More items related to this product. Motorola Slvr L7 running iTunes.
I would recommend this phone to anyone and I would definetly buy another one. Motorola Slvr L6 – black l6blkulk. This newsletter may contain advertising, deals, or affiliate links. Yet its large x Motorola moto slvr l7 display with K colors is a feast for the eyes. The Slvr L7 also features Bluetooth connectivity, a digital camera with 4x digital zoom and has motorola moto slvr l7 speakerphone. The item may be missing the original packaging such as the original box or bag or tags or in the original packaging but not sealed.
Phone is easy enough to navigate through.
Click for full glossary page. But even though it runs Apple's popular iTunes music player, its feature set doesn't excite us. I would motorolq motorola moto slvr l7. Sync apps from your Bluetooth-enabled office laptop or use a Bluetooth-enabled headset to free your hands at home.
These are some common tools used to work on this device. Everything about the SLVR's design is well done. There are no questions. It's amazing how something so thin can still be so reassuringly sturdy.
Stand up for your right to repair! I love the candybar style of the phone it's easy to use and the camera quality is great. Continue to next page 01 Yes plus IM Wireless Village.
There is also a quad-band World Version of the L7 available internationally, which comes without the iTunes software. I bought it because I trust the Motorola name for durability and reliability.


However, the punch line to this joke never came. Our faithful leader reassured me this was not a joke and began to unpack the legal challenges we were facing if we continued using the name Wayfare.
My internal monologue was going off the rails as the truth of the situation set in: we're going to have to change the company name. The staff meeting continued and I sat in this emotional cocktail of confusion and excitement.
That feeling of excitement is one most startup entrepreneurs can relate to. Adrenaline and fear of the unknown are your fuel as every day brings you new hurdles to jump. I didn't know what the future was going to bring with this renaming but, good or bad, I was stoked to be a part of it.
I was sitting at my desk when another voice entered my internal dialogue – it was Alex Blumberg, podcast mogul and co-founder of Gimlet Media.
Okay, he didn't say that exactly, but you get the point. What a genius! What if we recorded this renaming process and turned it into a podcast? Now, I had never produced a podcast before but I knew our company had a unique and authentic story to tell. It's now eight months later and I can proudly say I've launch my very first podcast.
Starting something new, like a podcast, can be super intimidating. What microphone do I use? Do I go all Katie Couric and interview people or keep it as a casual, open conversation? Who do I even interview? How do I edit audio? The questions never end and can slow you down if you wait for answers. It's way better to test something out, see if it works and respond accordingly. I started my interviews with a script full of questions, which ended up feeling too tight and restricted the interviewee from opening up to me. Now that I have tested interview-style, I know the most authentic audio comes from a relaxed and open conversation with one another.
P.S. When in doubt, Google it! The internet is a treasure trove of insight.
In moments of frustration and uncertainty I become my own worst critic. I'm lucky to have an entire team that not only holds me accountable but gets amped about my ideas. When you hear those voices telling you you're going to fail, lean on those people who will support and encourage you. If you don't have that kind of support at work, lean on friends or family that you respect and trust their opinion.
3. Ask for help. You can't do it all.
With my background being graphic design, I would call myself a visual storyteller. My skills were not in script writing or audio and, in addition to that, I was a podcast team of one. Rather than trying to become Wonder Woman, I leaned on my teammates to help form the narrative. Rather than waste time trying to do it all myself I can use the resources around me that are already there! How smart is that?!
So this is what I've learned as I've started something new. My advice to you: Go for it!


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Kanaka Durga seeks refuge in shelter home: Family of woman who entered Sabarimala disowns her days after attack by mum-in-law
Kanaka Durga had been undergoing treatment at the Calicut medical college after allegedly being attacked by her mother-in-law and now her brother and husband have declared that she won't be allowed to enter their houses.
FP Staff January 23, 2019 10:25:25 IST
Kanaka Durga had been undergoing treatment at the Calicut medical college after allegedly being attacked by her mother-in-law
He brother has said that the family had "disowned" Kanakadurga and would only accept her if she made a public apology
Earlier, the Supreme Court had ordered full-time security to Kanaka Durga and Bindu
Kanaka Durga, one of the women who created history by entering the Sabarimala Ayyappa temple after the 29 September Supreme Court order, has been taken to a shelter home by the police after being 'disowned' by her family, according to several media reports.
Kanaka Durga (left) and Bindu Ammini. Reuters
As per a report by The News Minute, Durga has been taken to the One Stop Centre in Perinthalmana run by the Social Justice Department on Tuesday after her husband and brother declared she won't be allowed to enter their homes. Her brother Bharat Bhushan — an RSS worker — alleged that the CPM and Kerala Police conspired to take Durga into the temple. He added that Durga would be allowed to return home only if she made a public apology to Ayyappa devotees and the Hindu community, The News Minute.
Perinthalmanna circle inspector TS Binu told The New Indian Express Durga has been given adequate security at the shelter home. Led by Perinthalmanna sub-inspector PS Manjith Lal, a 10-member police team has been deployed at the locality, The New Indian Express reported.
Durga was hospitalised on 15 January after she suffered injuries on her head and ear following the alleged beating by her mother-in-law. The 44-year-old approached Perinthalmanna police on Monday after she left the hospital from where she was taken to the nearby One Stop Centre. Earlier, the Supreme Court had ordered around the clock security to Durga and Bindu Ammini, the other woman of menstruating age who entered Sabarimala. Durga and Bindu offered prayers at Sabarimala temple on 2 January. However, according to reports, Durga's family was not aware of her plan to visit the hill shrine.
With inputs from PTI
Updated Date: January 23, 2019 10:25:56 IST
Bindu Ammini
Hindu Community
Kanaka Durga
Dubious BBC 'documentary' on PM Modi serves a crucial purpose in showing India an unflattering mirror
Interventionist forces will always find fertile ground to exploit and pose a challenge to India's integrity
Lakhimpur Kheri violence: Supreme Court grants eight-week interim bail to Ashish Mishra
The Lucknow bench of the Allahabad High Court had on July 26 last year rejected the Ashish Mishra's bail plea. He had challenged the high court's order in the apex court
US abortion rights 'war' rages on 50 years after landmark Supreme Court ruling
Since the Supreme Court overturned the Roe ruling, a reversal made possible with the votes of three conservative justices appointed by Trump,some 20 Republican-led US states have passed laws banning or severely restricting abortion rights
SC to hear Google's plea against CCI order on 19 January
Google has challenged the January 4 order of the NCLAT which refused to stay the CCI order reasoning that the CCI's order was passed in October 2022, while the appeal by Google was filed only in December 2022 and hence, no case for interim relief was made out
Brazil Supreme Court greenlights probe of former president Jair Bolsonaro for riot
Justice Alexandre de Moraes granted the request from the prosecutor-general's office, which cited a video Bolsonaro posted on Facebook two days after the riot which claimed Luiz Inácio Lula da Silva wasn't voted into office but rather was chosen by the Supreme Court and Brazil's electoral authority
Supreme Court to consider setting up 3-judge bench to hear Karnataka Hijab ban row
A two judge bench of the apex court had on October 13, last year delivered opposing verdicts in the hijab controversy, and urged the Chief Justice to constitute an appropriate bench to adjudicate the case that stemmed from a ban on wearing of Islamic head covering in Karnataka schools
Army doesn't have to tell police about arrests, says Mexico's Supreme Court
Last year, the court upheld a constitutional change that allows the military to continue in law enforcement duties until 2028, ruling against appeals that argued law enforcement should be left to civilian police forces
In a major setback, Google loses bid to block India's Android antitrust ruling
A three-judge panel led by Chief Justice Chandrachud decided against blocking the CCI's antitrust ruling that would require Google to change the way it markets Android in India. The Supreme Court also upheld the $161 million penalty imposed on Google.


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Some services may be subject to eligibility criteria and you or the person you care for may need to have an assessment. While Enabling Guide has exercised due care in collating the material contained on this Website, they do not guarantee the accuracy, currency, or completeness of the information nor the quality and suitability of the services listed and do not accept any liability for any injury, loss or damage incurred by use of or reliance on the information or this Website.
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WINGS Counselling Centre
"Today, WINGS employs both full and part-time counsellors, all of whom are trained to handle a variety of counselling scenarios. Our counsellors adopt a holistic approach to meet the needs of our clients;…...
Shan You Counselling Centre
"Shan You is a non-profit social service organisation set up in 1995 to provide professional counselling and social care services based on the guiding values of compassion, mindfulness, morality and wisdom.…...
Reach Community Services Society - REACH Counselling Centre @ Shunfu
"REACH Community Services Society serves our community through 5 community touchpoints: Family Service Centre@Bishan, Youth Powerhouse@Bukit Batok, Counselling Centre@Shunfu and Senior Centre@Jalan Membina"…...
EAGLES MEDIATION AND COUNSELLING CENTRE (EMCC)
"Since our establishment in 1997, EMCC (Eagles Mediation & Counselling Centre) has endeavoured to bring hope to broken relationships. We believe the Singaporean society at large benefits from the development…...
CARE CORNER SINGAPORE LTD - Care Corner Counselling Centre
"Our services are offered to all, without regard to race, language or religion. Each year more than 14,500 service users are served by our network of 32 centres located island-wide that support infants…...
Viriya Community Services - Viriya FSC
"A charitable organization founded in 2001 by Leong Hwa Monastery to provide community and social services to low income families in Singapore." (Source: http://www.viriya.org.sg/)...
TRANS Family Services - TRANS Family Service Centre (Bukit Timah)
"We have transformed from a volunteer-driven outreach project in 1979 to an organisation with 5 centres staffed by a team of professionals and supported by volunteers. We strive to support individuals…...
THYE HUA KWAN MORAL CHARITIES LIMITED - THK FSC @ Tanjong Pagar
"Since October 2011, Thye Hua Kwan Moral Charities (THKMC) was incorporated as a charity with an IPC status to provide multiple social and welfare services to the community at large. THKMC provides assistance…...
THYE HUA KWAN MORAL CHARITIES LIMITED - THK FSC @ MacPherson
© 2019 Enabling Guide. All Rights Reserved.


text:
Događaji
 5. listopada – Saborski vritnjak: pravaški zastupnik Josip Gržanić udario bana Khuenu Héderváryju nogom u stražnjicu, revoltiran nezakonitim odvozom Komornih spisa iz zagrebačkog Hrvatskog arhiva u Budimpeštu.
 Na Berlinskoj konferenciji dogovorena je predaja Konga belgijskom kralju Leopoldu II., kao osobni posjed pod imenom Slobodna Država Kongo.

Rođenja
 8. veljače – Ivan Kozarac, hrvatski književnik († 1910.)
 9. veljače – Alban Berg, austrijski skladatelj († 1935.)
 10. ožujka – Tamara Karsavina, ruska balerina († 1978.)
 18. ožujka – Josip Berković, hrvatski liječnik, političar i diplomat († 19??.)
 22. ožujka – Josip Račić, hrvatski slikar († 1908.)
 2. svibnja – Hedda Hopper, američka glumica i novinarka († 1966.)
 14. svibnja – Krizina Bojanc, slovenska katolička redovnica, mučenica i blaženica († 1941.)
 22. svibnja – Arthur Conan Doyle, engleski književnik († 1930.)
 8. srpnja – Ernst Bloch, njemački filozof († 1977.)
 14. srpnja – Sisavang Vong, laoški kralj († 1959.)
 28. srpnja – Branko Gavella, hrvatski redatelj, teatrolog i kazališni pedagog († 1962.)
 10. rujna – Dora Pejačević, hrvatska skladateljica († 1923.)
 7. listopada – Niels Bohr, danski fizičar († 1962.)
 16. listopada – Joseph Kentenich, njemački katolički svećenik († 1968.)
 27. listopada – Franjo Čutura, hrvatski književnik († 1959.)
 14. studenoga – Sonia Delaunay, ukrajinsko-francuska umjetnica († 1979.)
 2. prosinca – George Richards Minot, američki liječnik, nobelovac († 1950.)
 14. prosinca – Miroslav Kraljević, hrvatski slikar († 1913.)
 25. prosinca – Svetozar Pisarević, operni pjevač († 1929.)
 25. prosinca – Albert Betz, njemački inženjer († 1968.)
 datum nepoznat – Petar Mišković, hrvatski izumitelj († 1950.)

Smrti
 22. svibnja – Victor Hugo, francuski književnik (* 1802.)
 23. srpnja – Ulysses S. Grant, američki vojskovođa, političar i predsjednik SAD-a (* 1822.)
 7. kolovoza – Dragutin Accurti, hrvatski političar i publicist (* 1829.)
 25. studenog – Mate Bastian, hrvatski književnik i političar (* 1828.)

Vanjske poveznice

redpajama_set_name: RedPajamaWikipedia


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text:
Abnormal mammogram follow-up: A pilot study in women with low income
Kathleen Ell, Deborah Padgett, Betsy Vourlekis, Jan Nissly, Diana Pineda, Olga Sarabia, Virginia Walther, Susan Blumenfield, Pey Jiuan Lee
PURPOSE: The purpose of this study was to test an intervention (the Screening Adherence Follow-up Program [SAFe]) that was designed to reduce the number of known barriers to diagnostic follow-up adherence and initiation of treatment among women with low incomes who had abnormal mammogram findings. DESCRIPTION OF PROGRAM: The investigators developed and implemented a highly structured, theory- and evidence-based intervention that combined health education, counseling, and systems navigation, which was delivered by a team consisting of a peer counselor and a social worker who held a masters degree. A scripted baseline telephone interview identified potential barriers to follow-up adherence and provided counseling interventions for each patient. Patients were assigned to different service intensities based on the level of risk for nonadherence. Patients with significant mental health symptoms, psychosocial stressors, or who had received a diagnosis of cancer were referred to the team social worker for further assessment and intervention. Patients also received reinforcing telephone follow-up calls at 6 and 12 months. RESULTS: An observational pilot study of SAFe (N = 605) in two large urban diagnostic centers showed that 71% of women receiving SAFe were Hispanic, 18% were Black, and 11% were from other ethnic backgrounds. Adherence rates through diagnostic resolution and the initiation of treatment for women who had received a diagnosis of cancer were 93% and 90%, respectively, at the two study sites. Rates of adherence among women who could not be located or who refused study consent were significantly lower (72% and 69%, respectively). The rate of timely adherence was also higher among the women served. Patient satisfaction with SAFe was generally high. CLINICAL IMPLICATIONS: Study results support the combining of interventions and the practical utility of a clinical decision-making algorithm to determine individualized nonadherence risk and to assign service intensity based on individual need. Problems in locating women for enrollment were experienced.
Cancer Practice
https://doi.org/10.1046/j.1523-5394.2002.103009.x
Observational Studies
Clinical Decision-Making
Ell, K., Padgett, D., Vourlekis, B., Nissly, J., Pineda, D., Sarabia, O., ... Lee, P. J. (2002). Abnormal mammogram follow-up: A pilot study in women with low income. Cancer Practice, 10(3), 130-138. https://doi.org/10.1046/j.1523-5394.2002.103009.x
Abnormal mammogram follow-up : A pilot study in women with low income. / Ell, Kathleen; Padgett, Deborah; Vourlekis, Betsy; Nissly, Jan; Pineda, Diana; Sarabia, Olga; Walther, Virginia; Blumenfield, Susan; Lee, Pey Jiuan.
In: Cancer Practice, Vol. 10, No. 3, 2002, p. 130-138.
Ell, K, Padgett, D, Vourlekis, B, Nissly, J, Pineda, D, Sarabia, O, Walther, V, Blumenfield, S & Lee, PJ 2002, 'Abnormal mammogram follow-up: A pilot study in women with low income', Cancer Practice, vol. 10, no. 3, pp. 130-138. https://doi.org/10.1046/j.1523-5394.2002.103009.x
Ell K, Padgett D, Vourlekis B, Nissly J, Pineda D, Sarabia O et al. Abnormal mammogram follow-up: A pilot study in women with low income. Cancer Practice. 2002;10(3):130-138. https://doi.org/10.1046/j.1523-5394.2002.103009.x
Ell, Kathleen ; Padgett, Deborah ; Vourlekis, Betsy ; Nissly, Jan ; Pineda, Diana ; Sarabia, Olga ; Walther, Virginia ; Blumenfield, Susan ; Lee, Pey Jiuan. / Abnormal mammogram follow-up : A pilot study in women with low income. In: Cancer Practice. 2002 ; Vol. 10, No. 3. pp. 130-138.
@article{a45a998990aa486ba58d701da47959bb,
title = "Abnormal mammogram follow-up: A pilot study in women with low income",
abstract = "PURPOSE: The purpose of this study was to test an intervention (the Screening Adherence Follow-up Program [SAFe]) that was designed to reduce the number of known barriers to diagnostic follow-up adherence and initiation of treatment among women with low incomes who had abnormal mammogram findings. DESCRIPTION OF PROGRAM: The investigators developed and implemented a highly structured, theory- and evidence-based intervention that combined health education, counseling, and systems navigation, which was delivered by a team consisting of a peer counselor and a social worker who held a masters degree. A scripted baseline telephone interview identified potential barriers to follow-up adherence and provided counseling interventions for each patient. Patients were assigned to different service intensities based on the level of risk for nonadherence. Patients with significant mental health symptoms, psychosocial stressors, or who had received a diagnosis of cancer were referred to the team social worker for further assessment and intervention. Patients also received reinforcing telephone follow-up calls at 6 and 12 months. RESULTS: An observational pilot study of SAFe (N = 605) in two large urban diagnostic centers showed that 71{\%} of women receiving SAFe were Hispanic, 18{\%} were Black, and 11{\%} were from other ethnic backgrounds. Adherence rates through diagnostic resolution and the initiation of treatment for women who had received a diagnosis of cancer were 93{\%} and 90{\%}, respectively, at the two study sites. Rates of adherence among women who could not be located or who refused study consent were significantly lower (72{\%} and 69{\%}, respectively). The rate of timely adherence was also higher among the women served. Patient satisfaction with SAFe was generally high. CLINICAL IMPLICATIONS: Study results support the combining of interventions and the practical utility of a clinical decision-making algorithm to determine individualized nonadherence risk and to assign service intensity based on individual need. Problems in locating women for enrollment were experienced.",
keywords = "Adherence, Breast cancer, Follow-up, Intervention, Screening",
author = "Kathleen Ell and Deborah Padgett and Betsy Vourlekis and Jan Nissly and Diana Pineda and Olga Sarabia and Virginia Walther and Susan Blumenfield and Lee, {Pey Jiuan}",
doi = "10.1046/j.1523-5394.2002.103009.x",
journal = "Cancer Practice",
T1 - Abnormal mammogram follow-up
T2 - A pilot study in women with low income
AU - Ell, Kathleen
AU - Padgett, Deborah
AU - Vourlekis, Betsy
AU - Nissly, Jan
AU - Pineda, Diana
AU - Sarabia, Olga
AU - Walther, Virginia
AU - Blumenfield, Susan
AU - Lee, Pey Jiuan
N2 - PURPOSE: The purpose of this study was to test an intervention (the Screening Adherence Follow-up Program [SAFe]) that was designed to reduce the number of known barriers to diagnostic follow-up adherence and initiation of treatment among women with low incomes who had abnormal mammogram findings. DESCRIPTION OF PROGRAM: The investigators developed and implemented a highly structured, theory- and evidence-based intervention that combined health education, counseling, and systems navigation, which was delivered by a team consisting of a peer counselor and a social worker who held a masters degree. A scripted baseline telephone interview identified potential barriers to follow-up adherence and provided counseling interventions for each patient. Patients were assigned to different service intensities based on the level of risk for nonadherence. Patients with significant mental health symptoms, psychosocial stressors, or who had received a diagnosis of cancer were referred to the team social worker for further assessment and intervention. Patients also received reinforcing telephone follow-up calls at 6 and 12 months. RESULTS: An observational pilot study of SAFe (N = 605) in two large urban diagnostic centers showed that 71% of women receiving SAFe were Hispanic, 18% were Black, and 11% were from other ethnic backgrounds. Adherence rates through diagnostic resolution and the initiation of treatment for women who had received a diagnosis of cancer were 93% and 90%, respectively, at the two study sites. Rates of adherence among women who could not be located or who refused study consent were significantly lower (72% and 69%, respectively). The rate of timely adherence was also higher among the women served. Patient satisfaction with SAFe was generally high. CLINICAL IMPLICATIONS: Study results support the combining of interventions and the practical utility of a clinical decision-making algorithm to determine individualized nonadherence risk and to assign service intensity based on individual need. Problems in locating women for enrollment were experienced.
AB - PURPOSE: The purpose of this study was to test an intervention (the Screening Adherence Follow-up Program [SAFe]) that was designed to reduce the number of known barriers to diagnostic follow-up adherence and initiation of treatment among women with low incomes who had abnormal mammogram findings. DESCRIPTION OF PROGRAM: The investigators developed and implemented a highly structured, theory- and evidence-based intervention that combined health education, counseling, and systems navigation, which was delivered by a team consisting of a peer counselor and a social worker who held a masters degree. A scripted baseline telephone interview identified potential barriers to follow-up adherence and provided counseling interventions for each patient. Patients were assigned to different service intensities based on the level of risk for nonadherence. Patients with significant mental health symptoms, psychosocial stressors, or who had received a diagnosis of cancer were referred to the team social worker for further assessment and intervention. Patients also received reinforcing telephone follow-up calls at 6 and 12 months. RESULTS: An observational pilot study of SAFe (N = 605) in two large urban diagnostic centers showed that 71% of women receiving SAFe were Hispanic, 18% were Black, and 11% were from other ethnic backgrounds. Adherence rates through diagnostic resolution and the initiation of treatment for women who had received a diagnosis of cancer were 93% and 90%, respectively, at the two study sites. Rates of adherence among women who could not be located or who refused study consent were significantly lower (72% and 69%, respectively). The rate of timely adherence was also higher among the women served. Patient satisfaction with SAFe was generally high. CLINICAL IMPLICATIONS: Study results support the combining of interventions and the practical utility of a clinical decision-making algorithm to determine individualized nonadherence risk and to assign service intensity based on individual need. Problems in locating women for enrollment were experienced.
KW - Adherence
KW - Breast cancer
KW - Follow-up
KW - Intervention
KW - Screening
U2 - 10.1046/j.1523-5394.2002.103009.x
DO - 10.1046/j.1523-5394.2002.103009.x
JO - Cancer Practice
JF - Cancer Practice
10.1046/j.1523-5394.2002.103009.x


A three day/two night trip to the Sahara Desert near Merzouga is as much about the journey as it is the destination. Sitting comfortably in our air-conditioned vehicles you travel through an ever-changing Moroccan landscape - from the plains outside Marrakech leading into the High Atlas Mountains, through the Tizi n'Tichka pass, across the Valley of Roses, through the Dades Valley and finally into the dunes of the Sahara Desert on camel-back. Along the way there are many opportunities to stop and admire the glorious scenery and take in the breath-taking beauty that is Morocco.
Leaving Marrakech you spend the morning travelling through the Atlas mountains and the Tizi n'Tichka pass. Your destination, near Ouarzazate, is the historical city of Ait Ben Haddou. With much of the city dating from the 17th century this ksar, or fortified city, is a wonder to behold. Behind it's fortified walls rising up the hillside from the valley floor are a collections of homes, some simple, others like small fortresses. A guided walk through this UNESCO World Heritage site leads you through it's winding streets up to the hill's summit, pointing out historical points of interest as well as the locations for many Hollywood movies that have been filmed here. From the summit you can enjoy a panoramic view of the Ounila Valley and relax for a short while before returning down. From here it is on to nearby Ouarzazate to enjoy a lunch of traditional Moroccan cuisine. This tranquil city boasts the Kasbah of Taourirt, a UNESCO World Heritage site, and one of the most beautiful kasbahs in Morocco, with it's many towers, gateways, and riads.
From Ouarzazate your journey continues northeast on through the Valley of Roses, where in summer-time it is alive with the sweet scent of the flower that gives this valley it's name. We arrive at your hotel in the Dades Gorge in the early evening in time to check-in and relax for a short while before enjoying dinner and retiring to your room for the night.
The next morning after breakfast it is time to visit the Dades Gorge, created by the Dades River and running between the High Atlas and Anti-Atlas mountain ranges. From here it is on to the city of Tinghir where you are met by a local guide who takes you through the city, and provides you with a history of the area and its peoples. You arrive at the establishment of a carpet-maker and are invited in for tea and an introduction to the traditional styles and techniques that are still used today by the Berber people of this region to weave these luxurious carpets. While there is the opportunity to view and purchase these works of art, there is no pressure to do so.
From here your guide takes you back to the van and accompanies you to the nearby Todra Gorge, home to some of the finest rock climbing in Morocco. Here there is time again to get out and walk along the river that cuts through the gorge, enjoying the natural splendour of the rocky craggs that rise around you. At the end of your walk you are picked up by your van which had gone on ahead and then continue on to enjoy lunch at a nearby restaurant. After lunch your journey continues on through the cities of Efroud and Rissani until you reach your destination near Merzouga. At the hostel it is now time to mount your camel and wind your way through the sands of Erg Chebbi, a large sea of dunes of the Sahara Desert. Resting at the base of one of these dunes is your camp. Here you can relax, or take the opportunity to climb the over 100 metre dune and enjoy the sun as it sets upon this vast golden ocean.


The Anishinabek Nation's legal traditions are deeply embedded in many aspects of customary life. In Drawing Out Law, John Borrows (Kegedonce) skillfully juxtaposes Canadian legal policy and practice with the more broadly defined Anishinabek perception of law as it applies to community life, nature, and individuals.
This innovative work combines fictional and non-fictional elements in a series of connected short stories that symbolize different ways of Anishinabek engagement with the world. Drawing on oral traditions, pictographic scrolls, dreams, common law case analysis, and philosophical reflection, Borrows' narrative explores issues of pressing importance to the future of indigenous law and offers readers new ways to think about the direction of Canadian law.
Shedding light on Canadian law and policy as they relate to Indigenous peoples, Drawing Out Law illustrates past and present moral agency of Indigenous peoples and their approaches to the law and calls for the renewal of ancient Ojibway teaching in contemporary circumstances.
This is a major work by one of Canada's leading legal scholars, and an essential companion to Canada's Indigenous Constitution.


September 2017: Priyal joins the lab, welcome Priyal!
December 2017: Garima and Arnab from the 2017 batch of PhD students join the lab. Welcome Garima and Arnab!
January 2018: Srijani joins the lab, welcome Srijani!
August 2018: Srijani joins University of Texas, Southwestern for her her PhD. Congrants Srijani!


A stunning authentic, unaltered crystal full fox fur pelt will add natural beauty to your wardrobe. Crystal fox has incredible natural colors that will elevate can elevate an outfit. The piece includes face, legs and a full, bushy tail. It's an edgy accessory that's perfect for a fashion forward look. It's a versatile accessory that can be worn in countless ways, not just as a scarf, stole or shrug. Get creative with the pelt!
"Beautiful Piece! Everything About it IS BREATHTAKING!"
"Wowwww very very nice , i am very happy it's same like in photo"


I am a freelance web developer with a lot of commercial experience. I am passionate about the web and can offer very good prices due to limited overheads.
I can provide a tailored service adapted to your every need. I deliver high standard products to all kinds of clients, from small to large businesses.
You can check my portfolio here.
The first thing I will do is to meet you in order to get to know your business or activity, the systems you have in place and the users that will be accessing your website.
I will conduct a market survey to help me target the right audience for your product. All this information will help to develop targeted design and functionality for your website.
So do not hesitate to contact me to discuss your project.


When I first started reading this, I was reminded strongly of Robert Jordan's Wheel of Time series, minus the annoying women and plus faster pacing overall, which was a win for me.
Trell of the Tides embarks on a journey to discover his heritage.
Prince Ean val Lorian is being hunted by persons unknown.
The Adept race is dying, and Cephrael's Hand, an unlucky configuration of stars, hangs in the sky for all to see.
McPhail weaves these stories through the tome leaving you wondering: Who is good? Who is evil? Is Bjorn really the traitor he has been branded or is he working to the same purposes as the other Vestals - to protect the realm of Alorin?
I enjoyed Cephrael's Hand and am looking forward to picking up the sequel, The Dagger of Adendigaeth.
P/S Lovely new cover revealed yesterday, along with a giveaway! Check out yesterday's post.
PP/S I may have posted this review before. I think. But I couldn't find it via my tags. So maybe I didn't. I can't remember.
Thank you so much for reviewing Cephrael's Hand, Anna. I appreciate your feedback and perspective.


text:
Embedded & Mobile
Eurostars supports international innovative projects led by research and development- performing small- and medium-sized enterprises (R&D-performing SMEs). With its bottom-up approach, Eurostars supports the development of rapidly marketable innovative products, processes and services that help improve the daily lives of people around the world.
Eurostars is a joint program between EUREKA and the European Commission, co-funded from the national budgets of 36 Eurostars Participating States and Partner Countries and by the European Union through Horizon 2020.
JenLab (Germany, Berlin) provides femtosecond laser technology for medicine, biotechnology and cell biology. Applications include early detection of skin cancer and other tissue pathologies, the measurement of the skin ageing index, rapid analysis of biopsies, stem cell and neuron tracking in transgenic mice, the evaluation of sunscreen nanoparticles and testing of anti-ageing components.
LaserSpec (Belgium, Malonne) manufactures OPO tunable from the UV (255 nm) to the infrared (20 μm) and working in the CW, nanosecond and picosecond temporal regimes.
Multitel (Belgium, Mons) is a research center created in 1995 by the Engineering Faculty of the University of Mons. The mission of Multitel consists, as a priority, in helping Walloon companies to integrate effectively new technologies in their products, processes and services, in order to improve their competiveness and to reach a sustainable economic prosperity. Furthermore, with the passing years, Multitel develops and integrates emerging technologies into the industrial fabric at the regional and international levels in order to help companies to take up technological challenges
The Laser Zentrum Hannover e.V. LZH (Germany, Hannover) has carried out, for more than 33 years, research, development and consulting in the fields of laser technology, optics and photonics.
[CARMEN: CARs and Multiphoton microscopy Enabled]
To develop a unique histology-suitable imaging system with nonlinear microscopy and super-resolution capabilities based on an innovative and optimized laser system. The novel imaging system will allow to perform fs two-photon and fs/ps CARS microscopy as well as to evaluate STED microscopy on ex vivo biopsies. The CARMEN system will be the first imaging system combining nonlinear, super-resolution imaging based on a novel fiber laser-pumped OPO system for tunable dual colour fs/ps excitation.
In the EU-project CARMEN scientists and companies work on a multimodal imaging system for three imaging methods.
[Graphic from J. of Medical Imaging, 2(1), 016003 (2015)]
The main project goal is to develop a novel multimodal imaging platform for ex vivo histology and other biomedical and cosmetic applications in hospitals. An important application will be the detection of tumor margins of freshly excised samples right after or even during surgery. The CARMEN imaging system can also be used to track pharmaceuticals and nanoparticles in situ and to test the efficacy of cosmetic products microscopically and to image fluorescent as well as non-fluorescent molecules inside deep tissue and characterize ex vivo biopsies and tissue samples. The system will incorporate a newly developed air-cooled laser system with tunable dual colour femtosecond (fs) and picosecond (ps) pulse outputs. The ability of the fiber-laser pumped OPO light source to independently tune the spectral outputs with fs as well as ps pulse capability will make the system flexible, easy to use and versatile applicable. The novel laser system will allow a significant reduction in terms of price, maintenance effort and overall size/weight in comparison with conventional Ti:Sa-OPO-based systems.
The new laser system will be an easy-to-integrate also into other systems for material processing or imaging applications. Although, ultrafast laser systems with tunable dual colour output can be realized with current available laser systems, the new laser system will be a significant improvement in terms of size, ease of use, weight, and price. Furthermore, it will offer the same robustness and liability as much larger and more expensive systems and will therefore provide a breakthrough for the above mentioned microscopy applications.
A typical overlay of different imaging methods. Within the EU-project CARMEN scientist and companies work on combining three imaging methods in a novel multimodal imaging system. [Graphic from J. of Medical Imaging, 2(1), 016003 (2015)]
Challenge(s)
DELTATEC has in charge three important parts of the system:
The development of a microscope system control custom PCI express board, hosting a high end FPGA and its firmware. The board controls and synchronizes the laser sources and shutters, the data acquisition system, the scanning mirrors and the translation table.
The development of laser sources management custom board, a PCB hosting interfaces to control the laser sources chains elements. The board hosts a microprocessor with custom embedded software implementing elements protections mechanisms.
The user software and its graphical user interface that controls the microscope, i.e. its electronics and laser sources. It also manages the images capture, storage and visualization. It gives the user access to system key parameters.
Thanks to its PCB/ embedded software and FPGA design expertise, DELTATEC is able to propose and develop a complete solution to achieve the above objectives.
DELTATEC s.a.
Rue Gilles Magnée, 92/6
contact@deltatec.be
©Copyright 2023 DELTATEC. All rights reserved.
At Deltatec we give utmost importance to your data's privacy. If you wish to know more on how we manage your data and on your rights, please consult our Privacy Statement.


Swallowed By A Whale Week is here and Tinkering School is abuzz with excitement!
In the morning we spent some time getting to know one another, learning the safest way possible to use each tool in the workshop, and sharing ideas on how we can interact together in the workspace through our Group Agreement.
Tool Training was the next part of the day! We learned all about clamps and drills!!!
After lots of fun at the park, we revealed the projects that the Tinkerers could choose from: The Whale Mouth or A boat that would be swallowed by our whale!! After a design meeting, we got right to work.
Check out the SF Tinkering School Flickr for more photos throughout the week!


Life insurance has been a challenging financial product to manage in the last year or so and we have written often about the issues that surround this asset. But we also believe that this is a powerful financial tool. In our last blog entry we wrote about its use to mitigate the negative effect of a tax law change that may occur in 2017. At ITM TwentyFirst, we manage life insurance, we do not sell it. In fact, we are one of the few firms that manages life insurance without earning any compensation from sales. We show our support not just by managing in-force business as efficiently as possible for trustees, grantors, and especially beneficiaries nationwide, but also by pointing out the value of life insurance as a tool to efficiently leverage assets for the next generation, especially in a trust setting. We believe strongly that life insurance, when selected properly and managed efficiently, can be one of the most important assets a person owns.
For many insureds, the internal rate of return on a life insurance policy held in trust is appealing compared to alternative fixed investments, even if fixed interest rates begin to kick up a bit over the next few years. And the use of life insurance for older aged insureds can actually make the golden years more enjoyable by freeing up additional cash flow.
Here's an example: A couple, both age 65, have come to an advisor for financial advice and estate planning as they enter their retirement years. Assuming that both are in good health (preferred, non-smoker underwriting), they could purchase a $1,000,000 Survivorship Guaranteed Universal Life (SGUL) policy from an A+ AM Best rated company for an annual premium of about $13,420. If you have attended any of our education sessions, you know that a GUL policy has a required fixed premium, one that, if paid in full and on time, guarantees the policy death benefit no matter what happens with interest rates or other market factors. (1) A survivorship policy, often used in estate planning cases, pays a death benefit at the second of the two insureds' deaths.
If we calculate the internal rate of return (IRR) on the death benefit (2), in this example, we see that the policy's rate of return (shown in spreadsheet to the right) is extremely attractiv e. Even if the insureds do not pass away until their mid – 90's, the rate of return on the premium funding the policy will be over 5%. Should death occur earlier, the rate of return will be much higher. Remember that a life insurance death benefit is received free of income tax and, if placed in a trust, is not subject to estate taxes. With this particular policy, the death benefit is guaranteed, locking in the returns. (3) What other asset can your clients purchase that will enable them to pass on wealth this efficiently?
For the client who wishes to maximize his or her retirement lifestyle while also leaving a legacy, life insurance can actually help to smooth out retirement income. Though an annual premium payment will have to be made to the trust (in this case, equal to 1.34% of the death benefit), the comfort in understanding that a known, completely tax-free amount will pass to beneficiaries at death can free up additional funds for retirement activities.
Life insurance is a powerful financial tool. When properly designed and managed wisely, it can create a legacy more efficiently than almost any other asset. As we mentioned in our last post….The next few years will provide challenges and opportunities for…advisors to help clients rethink their financial plans and goals. ILITs will remain a viable tool for leveraging assets.
ITM TwentyFirst does not sell life insurance, nor do we advocate one type of life insurance. Every life insurance purchase should be based on the personal situation (health, cash flow, risk tolerance, etc.) of the insured. There is no one "best policy" for all situations.
The IRR on death benefit is the net rate of return that would need to be earned if the cumulative premium were invested in an alternative asset.
The policy death benefit is guaranteed as long as the premium is paid in full and on time. While market risk is eliminated, carrier risk must still be monitored.
In the past year we have witnessed a number of transactions in the life insurance industry. One of the largest was the sale last year of Hartford Financial Services Group, Inc.'s individual life insurance business to Prudential Life. That deal was a win/win/win. The transaction allowed Hartford to free up capital it felt could be better used in other areas. Prudential expanded its business line in a business it wants to be in. And the consumer won because the Hartford business and service has moved rather seamlessly over to Prudential. In fact, the Hartford name still exists in the marketplace, backed by Prudential, and is a very "competitive" product.
Last week we witnessed another transaction. This one is not being viewed as positively. According to a July 17th press release, "Allstate Corporation reached a definitive agreement to sell its Lincoln Benefit Life Company (LBL) to Resolution Life Holdings, Inc. ("Resolution Life") for $600 million." The block of business will continue to be serviced by Allstate for 12-18 months, after which Resolution Life will take over.
The "runoff administration" business model that is employed at Resolution Life is not new and in this case is designed to close off a block of business and turn it into an "investment" that can be bought and sold. While we will have to wait to see exactly what happens, this clearly does not seem to be a company (like Prudential) interested in developing a consumer oriented, high service model. Many in the industry see the opposite…a company interested in wringing maximum profits out of a "closed" block of life insurance policies.
What are the issues for you, the trustee, holding LBL policies?
Service levels on Guaranteed UL Policies will more than likely drop making them much harder to manage. Lapses on Guaranteed UL products can be a profitable part of Resolution Life's business plan. What is their incentive to providing good service levels to maintain these policies until eventual death benefits are paid?
The financial stability of Resolution Life, especially if you are holding LBL Guaranteed UL products in your trust portfolio with minimal or even no cash value. Resolution Life is not currently rated.
Mortality charge increases in LBL non-guaranteed products. I am working on a Blog citing a situation we have come across where another carrier has told us they will probably be raising their mortality charges dramatically before year's end. In a recent insurancenewsnet.com article it was mentioned that insurers in general "will start to raise the mortality charges that are inherent in universal policies" because of marketplace pressures. In an entry about this transaction in lifeproductreview.com, Bobby Samuelson, notes, "LBL's contracts have a provision that eliminates surrender charges if policy charges are increased." Even so, keeping an eye on non-guaranteed policy charges on LBL policies going forward will be vital to your policy management program. I have to think some increases are coming down the road.
ITM will be accessing this situation for our clients going forward and will update you on this Blog as developments warrant.
Are You Sure That Guaranteed Universal Life Policy Is Guaranteed?
Guaranteed Universal Life (GTD UL) policies have been a mainstay in the TOLI world, providing lifetime "guaranteed" coverage for a very cost efficient premium. As our earlier Blog (Happy New Year……The Cost of (Some) Life Insurance Just Went Up) pointed out, GTD UL's do not provide significant cash value, but in the TOLI world where low cost death benefit is important, they fit the bill.
The key to managing the GTD UL policy is to pay the policy premium in full and on time each and every year the policy is in effect EXACTLY as shown in the life insurance illustration. Unfortunately that happens in a perfect world, not the TOLI world we live in. In fact, one of our favorite online subscription publications (The Life Product Review) recently pointed out an audit just completed by a major name life insurance carrier that has sold GTD UL policies for 3-4 years. They found that 31% of the policies they'd sold are already off track. That is right…31% in less than 4 years. The reasons? 8% because of insufficient premium, 29% because of skipped premium, but the majority – 53% – because of early payments. Let me repeat…53 percent are off track because premium was paid early. GTD UL policies have "shadow accounts" that you never see. They lurk beneath the surface of the policy illustration. As pointed out in this article, this particular carrier has different crediting rates in their shadow accounts depending on funding levels so paying early actually resulted in a lower credited rate.
It was thought that GTD UL policies were fairly straightforward. Turns out that is not the case. Shadow accounts, contingent charges, premiums loads, all differ between carriers and their differences can have a dramatic effect on the outcome of a policy if premium is late, insufficient or even early.
So, what do you do if you are managing one of these policies? First of all, make sure that when a grantor brings one of these policies into the trust, they clearly understand the gifting requirements for it….premium paid in full, on time, etc. I'd recommend putting it in writing and making it a part of the trust file. Secondly, make sure your trust administrators understand GTD UL policies. Universal Life policies used to be flexible premium products, they are no longer. Lastly, if you really want to manage these policies, you have to be able to "look under the hood". Not an easy proposition and a reason you need to have an insurance specialist on your staff.
We will be discussing this issue in greater detail on one of our scheduled webinars this year as we believe it is an evolving problem that needs to be addressed.
In the last decade, one of the most popular life insurance products has been the no-lapse guarantee universal life policy (note: for a white paper that explains the different types of life insurance go to http://www.youritm.com/Sites/17/docs/WP_MikeBrohawn.pdf). With its low cost, guaranteed death benefit coverage over the lifetime of the grantor/insured, this product was tailor made for the TOLI market where the focus is usually on death benefit, not cash value. Because of this focus, the fact that these policies did not generate significant cash value was irrelevant for most people, and the death benefit guarantees made them very attractive, delivering the most bang for the buck.
The internal rate of return on death benefit was impressive. For example, a husband and wife, both aged 65 in good health, could purchase a survivorship no-lapse guarantee universal life policy that could produce rates of return on the death benefit of 7-8% at average mortality and rates approaching 4% even if the policy did not pay off until age 100. Not bad, especially considering the death benefit was guaranteed.
There are two main challenges for insurance carriers with this type of product. The first is the current, historically low interest rate environment. Remember that a life insurance carrier is really an investment manager. They take your money, invest it and hand it back in the form of a death benefit (or surrender value). The investments backing this type of policy are fixed investments. It is clear that the Federal Reserve will keep rates low for the next few years, so there will not be much relief on a carrier's general account which consists primarily of long-term bonds.
The second challenge for carriers deals with changes to the reserve requirements that occurred January 1st of this year. Carriers must set aside reserves for their life insurance policies. For these guaranteed universal life policies, some carriers used shadow accounts and other methods to lower the reserve requirements on their policies. Those who were "successful" had an advantage in the marketplace. However, a few weeks ago the National Association of Insurance Commissioners (NAIC) issued revisions to the AG 38 reserve rules which had the effect of changing the carriers' formula for these reserves, effectively increasing their cost.
What will be the effect on the marketplace? We are seeing it right now. Carriers are dropping costly lifetime guarantees on new policies that ran to age 100 and beyond, in favor of universal life policies that are guaranteed only to expected mortality, sometimes less. Costs have gone up on most of these new policies, with some carriers raising rates 10-15% or more at some ages.
Since the premium levels and guarantees are locked in for inforce universal policies, the consumer should not be hurt. However, reserve requirements will probably go up for the carrier, hurting the profitability on their block of guaranteed policies. Some have worried about the effect this will have on carrier solvency.
The insurance industry is resilient and new policies will be developed to provide marketable products and solutions, but the age of the "low cost" lifetime no-lapse guaranteed universal life policy seems to be over.


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Home / Avengers / rant / Why I Love 'Avengers' Even Though it Sucks [Rant]
Why I Love 'Avengers' Even Though it Sucks [Rant]
Nigel G Mitchell 7/03/2012 10:44:00 AM Avengers, rant
Anyone who follows this blog long enough knows I'm not a fan of Avatar. In fact, I hate it. I think it's cheesy, sloppy, poorly written, poorly researched, and cliched. The only things it has going for it are the visuals, which I admit are impressive, but not enough to save the movie for me. I know that I'm in the minority, which is why Marvel's Avengers has caught me by surprise.
I was listening to a podcast of some guys reviewing Marvel's Avengers and only one out of the four didn't love it. What struck me was that the critic made some good points. Avengers has a pretty weak story - aliens invade New York, Avengers fight them. The characterization is pretty thin - beyond one-liners, there's not much development of any of the characters. The critic pointed out Captain America is the biggest failing in this regard, considering he just woke up after fifty years, and seems completely at home in the future. No disagreement there. The aliens themselves are not very logical in their appearance or behavior. True.
Yet I love Avengers.
So, I asked myself, why am I so against the poor writing in Avatar, and don't mind the poor writing in Avengers? I think it's a matter of expectations.
With Avengers, what we wanted to see was all these classic superheroes fighting side-by-side. We got that. The reason behind it was almost beside the point. I think the simple story works in its favor, because with everything going on to bring these heroes together, a more complex story would have been overwhelming.
As for the characterization, I saw enough to get the flavor. I'm okay with that. This wasn't a normal movie that had to stand on its own. Most of the heroes had their own movies to flesh them out. The ones that didn't, like Black Widow, will probably get their own movies soon. I thought of Avengers more as a series of guest appearances than full-fledged roles.
Now let's look at Avatar. It's a movie that has to stand on its own and marketed itself as a bold new vision, one that compared itself to Star Trek and Star Wars as an epic science-fiction journey. But it wasn't. It was a rehashed story with gaping plot holes on an alien world that wasn't really that alien, along with stereotypes trying to pass for characters, but wow, look at that 3-D.
Avengers didn't claim to re-invent the wheel. It said, "We'll take Captain America, Thor, Hulk, and Iron Man, and put them all in the same movie." As long as it did that for me, it would be satisfying. The fact that it was actually pretty good was almost icing on the cake. So maybe it's a matter of low expectations. Maybe it's because Avengers didn't try to go beyond its reach. Or maybe I just love comics.
Do you think Avengers overcomes its shortcomings? Or do you think Avengers is over-hyped? Let us know in the comments.
[Image Source: Darkmatters]
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Alex J. Cavanaugh July 3, 2012 at 10:50 AM
I still say it's the best movie of the year so far. Some areas were thin, but thanks to the genius that is Whedon, the movie worked. And worked well. Besides, seeing all of the characters together was awesome.
Pat Dilloway July 3, 2012 at 10:50 AM
The weak story bothered me when I wrote my review. As I said about the only meaning I could glean from it was the importance of teamwork. It was a nice action movie, some good popcorn entertainment, and that was it. As you said they didn't really flesh out the characters much because they needed to go from one big action scene to the next. Oh well, I got my money's worth I suppose.
sqt July 3, 2012 at 11:29 AM
I didn't write a traditional review of "The Avengers," I just summed up why I thought it worked. The beauty of comic book movies is that they don't have to be deep to be good. I'm not in the camp that thinks a movie has to have complex characterizations and flawless writing to be considered worthy of my money. Sometimes just being entertaining is enough. I think "Avengers" works because it gives each character time to shine and the simple good vs. evil story is very satisfying on an emotional level.
I didn't like "Avatar" either. Couldn't sit through it- and I can't fathom that it has enough juice to make the two sequels already scheduled worth watching.
Jessica Stank July 3, 2012 at 11:31 AM
Was it that you had low expectations for Avengers or was it that you knew what to expect? I agree with your opinion of Avatar wholeheartedly. It definitely didn't live up to the hype. Remember the whole thing where they tried to say there was actually a condition where people were depressed after seeing the movie because their lives couldn't live up to the awesomeness that was Avatar? Seriously? I thought it was just okay. The story was so been there, done that. But, honestly, I totally dug the Avengers movie. It surpassed my expectations.
Arlee Bird July 3, 2012 at 11:31 AM
I haven't seen Avengers yet so I can't say too much. I think we can forgive a lot of these superhero films with silly story lines because they're comic book fare and silliness meets our expectations.
Like you I disliked much about Avatar. Besides a kind of silly story line, I think that film tried to be too socially relevant and make a political statement and that was overly distracting. And I didn't agree with the statement they were making anyway--another reason for me to dislike it.
A Faraway View
Liesel Hill July 3, 2012 at 12:18 PM
I agree with this assessment! Avatar had only it's 3D and other effects to hold it up. Despite our obsession with the newest toys, most people need more story than that. Avengers had already been established, so we got them together and kind of got all the juiciest bits of them. And for whatever reason...it just worked. :D Great post!
Tony Laplume July 3, 2012 at 3:58 PM
It was a very far from perfect movie, but I guess the Avengers was still entertaining. However, I say Avatar is a vastly superior movie, a truly event experience rather than a novelty. The way you know this is that if the next one isn't great, people care. If the next Avengers isn't great, people won't. It reputation has less to do with the product and more to do with what people want it to be. Avatar needs to impress. This is exactly what happened to the Matrix films, and why the Lord of the Rings trilogy was able to coast and a descending line of quality and everyone still loved it, because they were invested in a whole franchise from the start.
Jro July 3, 2012 at 7:08 PM
Yea. Totally agree. In Avatar, the humans don't learn a lesson. It's only a matter of time before they return and wipe out the blue dudes. The Avengers ending is cliched, but the movie has some humor, which sorta makes it up.
remo4711 July 3, 2012 at 8:57 PM
I skipped Avatar because I could smell those problems you mentioned in the trailers and pre-release buzz. I like a lot of Cameron's stuff - but this was so self important - I think he really is at the point in his head that everybody THOUGHT he was at when he said "I'm King of the World!" at the Oscars. (Of course, he just meant he was as happy as Leo's character was at that moment - but everybody seemed to think he was saying he was the Earth's monarch. Now I kinda think he thinks he's the Earth's monarch.
I loved The Avengers - it's all those guys - played by the original guys - and it is entertaining. As Stan the Man once intoned - 'nuff said!
Nigel Mitchell July 4, 2012 at 12:59 PM
Yeah, I took that "king of the world" comment the wrong way, too. But 'nuff said, indeed
Funny, that's one of the 1001 problems with the movie - the ending isn't as pat as it should be,
Nigel Mitchell July 4, 2012 at 1:01 PM
Well, I care if the next Avengers isn't good. But I agree that Avengers was mainly a novelty. But I disagree that Avatar was an event - it was supposed to be, but failed to deliver if it wasn't in 3-D.
I guess it was more that I knew what to expect - just having Iron Man, Thor, Captain America, and Hulk on-screen at the same time was all I wanted. So it might have been low expectations.
But yeah, that nonsense about the suicidal Avatar fans, I think was more about PR than reality.
Yeah, I was surprised so many people agreed with me about Avatar. It was terrible.
Agreed with you on both counts. Too preachy, and not preaching the right message.
Maybe we do give comic book movies a break in terms of drama, but I will say comic fans are more rabid in terms of accuracy, so the makers have a harder time meeting their expectations.
I agree about the Avatar sequels. So what is there next to talk about? The corporation coming back to Pandora and carpet-bombing the whole planet with nukes?
No real moral, agreed. But money well-spent.
That one circling shot of the heroes all together was half the movie for me.
jeremy [retro-zombie] July 5, 2012 at 1:46 PM
okay without reading any comments below... to be swayed, I didn't like Avatar either... it looked good and the score enjoyed. the reason I loved the Avengers is simple... it's like a giant on the screen comic book with characters i grew up on and loved and played them as a child/boy/teen/man... i was cheezy, i was nerdy... i was the movie was one liners and with good versus evil... it was touching to see my towel cape with a trash can lid shield... come to life. it lets me step back into the child mode, a time not wrapped around reviews... nope just a stupid kid seeing something that was a good memory.
Steve Goble July 5, 2012 at 3:57 PM
When a great movie is over, it leaves me wanting to watch sequels of the same greatness.
The Avengers satisfied this for me. Avatar wasn't a sequel, so to win me over it had to start over and work harder.
Avatar never managed to get me on board. But I loved almost everything about The Avengers! :)
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