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Thrivent Asset Allocation Funds
Aggressive Allocation Fund
Moderately Aggressive Allocation Fund
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Thrivent Income Plus Funds
Balanced Income Plus Fund
Diversified Income Plus Fund
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Thrivent Diversified Income Plus Fund (THYFX)
You own shares of this fund
Class S Class A
Mutual Funds may offer different "classes" of shares. Classes indicate the type and number of fees or expenses an investor can expect to pay for shares in a fund.
Class S
No-load share class with no sales charges or 12b-1 fees. Prior to February 1, 2016, Class S shares were named Class I (Institutional) shares.
Front-end load share class with a maximum sales charge of 4.5%. This share class is only available to existing Class A shareholders or through certain financial intermediaries.
Thrivent Diversified Income Plus Fund seeks to maximize income while maintaining prospects for capital appreciation.
This fund looks to provide a steady and dependable income stream along with modest capital appreciation. It invests in higher-yielding, higher-risk, fixed-income securities to generate income, and in equities to provide potential growth and income. Investments are diversified across sectors in order to manage risk and potentially provide more stability when interest rates rise.
The Fund has a long-term target allocation of 75% fixed income and 25% equity securities. The portfolio management team actively manages the Fund with overweight and underweight positions in various sectors based on their views of the market and economy. Individual stocks and bonds are analyzed and chosen on an ongoing basis. The Fund is regularly rebalanced to ensure that the holdings are within appropriate ranges.
The Fund invests in debt securities and equity securities. The value of the Fund is influenced by factors impacting the overall market, certain asset classes, certain investment styles, and specific issuers. The Fund may incur losses due to investments that do not perform as anticipated by the investment advisor. Bond prices may decline during periods of rising interest rates. Credit risk is the risk that an issuer of a debt security may not pay its debt, and high yield securities are subject to increased credit risk as well as liquidity risk. Leveraged loans, preferred securities, convertible securities, sovereign debt, and mortgage-related and other asset-backed securities are subject to additional risks. Foreign investments involve additional risks, including currency fluctuations, liquidity, political, economic and market instability, and different legal and accounting standards; these risks are magnified for investments in emerging markets. Quantitative investing uses models and factors that rely on historical data and may be incomplete. An ETF is subject to additional fees and expenses, tracking error, and the risks of the underlying investments that it holds. The use of derivatives (such as futures and swaps) involves additional risks and transaction costs, which could leave the Fund in a worse position than if it had not used these instruments. The Fund may engage in active and frequent trading of portfolio securities in implementing its principal investment strategies, which may result in higher transaction costs and higher taxes. These and other risks are described in the Fund's prospectus.
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Risk Potential
The potential for risk within the Thrivent Mutual Funds has been categorized into five levels: Conservative, Moderately Conservative, Moderate, Moderately Aggressive, and Aggressive, ranging from lower risk potential to higher risk potential. Funds on the lower risk portion of the scale (Conservative, Moderately Conservative) are expected to have a lower degree of volatility and price fluctuations while those on the higher risk portion of the scale (Aggressive, Moderately Aggressive) are expected to have a higher degree of volatility and price fluctuations.
Moderately Conservative
Target Allocation
Shows a fund's long-term target allocations (or mix of securities) based on asset class or world region. Target allocation subject to change.
Equities 25%
Fixed Income 75%
Fund Highlights
Net Asset Value (NAV)
The NAV is the fund's value or price per share. The NAV is calculated by dividing the market value of all the fund's shares (minus its liabilities) by the number of issued shares.
Daily NAV Change
The daily NAV change is the difference between the fund's current price per share and its price at the time of market close on the prior day.
Returns are calculated on a calendar-year and year-to-date basis. These returns, also known as trailing returns, illustrate fund performance over a specific time period, including capital appreciation as well as reinvested dividends and capital gains distributions.
Net Annual Fund Operating Expenses
This figure represents the total percentage of a mutual fund's assets used to maintain the fund, including operating expenses and management fees. It's calculated by dividing the fund's annual net operating expenses by the average dollar value of its assets, and includes the impact of any fee waivers or expense reimbursements that may have been in effect during the time period.
Sales Charges
The commission paid by an investor upon investment in a fund.
Year to Date Return
Sales Charge
Who Should Consider Investing?
The Fund may be suitable for investors who:
Seek a high level of income and the opportunity for long-term growth
Have a medium to long-term investment time horizon and a moderately conservative risk tolerance
Are able to withstand a low to moderate level of risk and volatility in pursuit of commensurate long-term returns
Our seasoned team of more than 100 investment professionals brings their deep expertise to managing each fund so you can feel confident in the choices you're making. More than 84% have at least 10 years of experience, 57% have more than 20 years of investment experience, and 85% have earned the Chartered Financial Analyst designation, an advanced degree, or both.
Mark L. Simenstad, CFA
Stephen D. Lowe, CFA
Head of Fixed Income
Noah J. Monsen, CFA
Darren M. Bagwell, CFA
Chief Equity Strategist
Gregory R. Anderson, CFA
Looking at how this fund has performed over time, and comparing to appropriate benchmarks, can help you determine if it's right for your needs.
Average Annualized Returns
These returns, also known as trailing returns, illustrate fund performance over a specific time period, including capital appreciation as well as reinvested dividends and capital gains distributions.
Periods less than one year are not annualized.
Month End (as of 12/31/2019) Quarter End (as of 12/31/2019)
View as a graph View as a table
Thrivent Diversified Income Plus Fund
Lipper Mixed-Asset Target Allocation Conservative Funds Median 1
MSCI World Index - USD Net Returns
Bloomberg Barclays U.S. Mortgage-Backed Securities Index
Bloomberg Barclays U.S. Aggregate Bond Index
Bloomberg Barclays U.S. High Yield Ba/B 2% Issuer Capped Index
S&P/LSTA Leveraged Loan Index
3 Month 3.15% 2.61% 8.56% 0.71% 9.07% 0.18% 2.52% 1.73%
YTD 13.39% 13.02% 27.67% 6.35% 31.49% 8.72% 15.18% 8.64%
1 Year 13.39% 13.02% 27.67% 6.35% 31.49% 8.72% 15.18% 8.64%
3 Year 6.34% 5.68% 12.57% 3.25% 15.27% 4.03% 6.51% 4.35%
5 Year 5.12% 4.11% 8.74% 2.58% 11.70% 3.05% 6.05% 4.45%
10 Year 7.13% 5.50% 9.47% 3.15% 13.56% 3.75% 7.43% 5.01%
Annual Fund Operating Expenses
This figure represents the total percentage of a mutual fund's assets used to maintain the fund, including operating expenses and management fees. It does not include the impact of any fee waivers or expense reimbursements that may have been in effect during the time period. It's calculated by dividing the fund's annual operating expenses by the average dollar value of its assets.
Net Annual Fund Operating Expenses (if Applicable)
Total Annual Fund Operating Expenses
Calendar Year Performance
How this fund has performed over each calendar year. The annual total returns are calculated on a calendar-year basis, and include both capital appreciation and dividends. Periods of less than one year are not shown.
2019 13.39% 13.02% 27.67% 6.35% 31.49% 8.72% 15.18% 8.64%
2019Lipper Mixed-Asset Target Allocation Conservative Funds Median
2019MSCI World Index - USD Net Returns
2019Bloomberg Barclays U.S. Mortgage-Backed Securities Index
2019S&P 500® Index
2019Bloomberg Barclays U.S. Aggregate Bond Index
2019Bloomberg Barclays U.S. High Yield Ba/B 2% Issuer Capped Index
2019S&P/LSTA Leveraged Loan Index
2018 -2.88% -3.98% -8.71% 0.99% -4.38% 0.01% -1.88% 0.44%
2017 9.20% 8.59% 22.40% 2.47% 21.83% 3.54% 6.92% 4.12%
2016 6.91% 5.25% 7.51% 1.67% 11.96% 2.65% 14.09% 26.56%
2015 -0.19% -1.56% -0.87% 1.51% 1.38% 0.55% -2.72% -1.97%
2014 3.90% 4.00% 4.94% 6.08% 13.69% 5.97% 3.45% 5.76%
2013 10.70% 7.15% 26.68% -1.41% 32.39% -2.02% 6.23% 41.31%
2012 14.23% 9.49% 15.83% 2.59% 16.00% 4.21% 15.00% 16.33%
2011 2.18% 2.00% -5.54% 6.23% 2.11% 7.84% 6.03% 1.02%
Show more years Show fewer years
Performance shown assumes the reinvestment of all dividends and capital gains. Performance of other share classes will vary from the results shown based on differences in sales charges and expenses.
1 Source: Lipper. The Lipper median represents the median annualized total return for all reported funds in the classification. Lipper medians do not include sales charges/fees. If included, returns would have been lower.
Indexes are unmanaged and do not reflect the fees and expenses associated with active management. Investments cannot be made directly into an index.
The MSCI World Index - USD Net Returns represents large and mid cap stocks in 23 Developed Market countries.
The Blooberg Barclays U.S. Mortgage-Backed Securities Index represents the performance of securities backed by pools of mortgages.
The S&P 500® Index is a market-cap weighted index that represents the average performance of a group of 500 large-capitalization stocks.
The Bloomberg Barclays U.S. Aggregate Bond Index is an index that measures the performance of U.S. investment grade bonds.
The Bloomberg Barclays U.S. High Yield Ba/B 2% Issuer Capped Index represents the performance of the non-investment grade, Ba or B-rated corporate bond market. Issuers are constrained to a maximum 2% weighting.
The S&P/LSTA Leveraged Loan Index is a market-value weighted index representing the performance of the universe of U.S. dollar-denominated, senior secured, syndicated term loans.
Information about the types of holdings in this mutual fund.
Holdings Breakdown
Total Number of Holdings
This is a tally of the number of different investment products that make up the fund's portfolio.
Turnover Ratio (Last 12 Months)
This is the percentage of the fund's holdings that have been traded out or replaced with other holdings over the year.
U.S. Holdings
This is the percentage of the fund's holdings that are U.S.-based investments.
Non-U.S. Holdings
This is the percentage of the fund's holdings that are investments based outside the U.S.
Turnover Ratio (Last 12 Months) 2
This is the Fund's top 10 holdings by percentage of the total assets. Holdings from the same issuer are represented as separate holdings if they have different coupon rates or maturity dates. This excludes derivatives and cash that the fund may hold. (Updated monthly with 30 day lag)
Security Name
Percentage of Total Assets
Maturity Date
Coupon Rate
Thrivent Core Emerging Markets Debt Fund 4.93% - -
Federal National Mortgage Association Conventional 30-Yr. Pass Through 3.03% 12/15/2049 3.0%
Microsoft Corporation 0.61% - -
SPDR Bloomberg Barclays High Yield Bond ETF 0.59% - -
Vanguard Short-Term Corporate Bond ETF 0.58% - -
Federal Home Loan Mortgage Corporation Conventional 15-Yr. Pass Through 0.50% 05/01/2034 3.5%
Fund Diversification
This is the mix of areas in the market in which the fund contains holdings. (updated quarterly)
US Large Cap Equity 11.8%
US Mid/Small Cap Equity 5.2%
International Equity 7.5%
Opportunistic Equity 1.1%
High Yield Bonds 12.9%
Floating-Rate Bank Loans 11.6%
International Debt 4.6%
Investment Grade Credit 7.6%
Securitized Debt 23.9%
Opportunistic Fixed Income 8.8%
Cash 5.0%
Equity Characteristics
Statistics shown below are compared to the S&P 500® Index. The benchmark is intended to provide a comparison to the broad U.S. large cap stock market, and may not be representative of the Fund's investment strategies and holdings.
(as of 12/31/2019, 25.6% of fund)
Price & Earnings Ratio (P/E) — A valuation ratio of a company's current share price compared to its earnings per-share, calculated by dividing the market value per share by its trailing 12-month earnings.
A high P/E ratio generally means that investors anticipate higher earnings in the future
Most useful when compared to like investments or historical performance
Market average is 20-25 times earnings
Return on Equity (ROE) — A measure of corporate profitability that shows how much net income the companies in the portfolio have generated as a percentage of shareholder equity.
High growth companies should have a higher ROE
Useful to compare profitability to similar investments
Thrivent Diversified Income Plus Fund 18.1 20.7%
Thrivent Diversified Income Plus Fund ROE
S&P 500® Index 23.0 24.5%
S&P 500® Index ROE
Statistics shown below are compared to the Bloomberg Barclays U.S. Aggregate Bond Index. The benchmark is intended to provide a comparison to the broad U.S. bond market, and may not be representative of the Fund's investment strategies and holdings.
A measure of a portfolio's sensitivity to changes in interest rates.
The longer the duration, the more sensitive it is
The longer the duration, the greater the potential risk or reward
Average Life — The average length of time until the bonds in the portfolio will repay principal. This measure takes into consideration the possibility that bonds might be called back or prepaid by the issuer prior to the maturity date stated on the bond.
Typically, a short average life indicates a lesser chance that a share price will fluctuate when interest rates change.
This measure takes into consideration the possibility that bonds might be called back or prepaid by the issuer prior to the maturity date stated on the bond.
Thrivent Diversified Income Plus Fund 3.0 5.6
Thrivent Diversified Income Plus Fund Average Life
Bloomberg Barclays U.S. Aggregate Bond Index 5.8 8.2
Bloomberg Barclays U.S. Aggregate Bond Index Average Life
Credit Quality Rating Distribution
These bond ratings represent the lower of those assigned by Fitch Ratings, Inc., Moody's Investor Services, Inc. or Standard & Poor's® Financial Services, LLC (S&P). Investments in derivatives and short-term investments aren't included.
High Quality (HQ) Bonds
These bonds are also called Investment Grade bonds. They're considered low risk due to the bond issuer's ability to pay the bond's interest and principal without defaulting.
High Yield (HY) Bonds
These bonds are considered a higher risk than high quality bonds, but also pay a higher yield.
Non-Rated (NR) Bonds
These bonds are non-rated because the bond issuers don't have a credit rating with either Moody's or S&P.
HQ/HY/NR Bonds
Exchange Traded Funds (ETFs) and closed-end funds ratings aren't currently being provided.
U.S. Government Guaranteed 14.6%
AAA 1.1%
AA 1.6%
A 3.7%
BBB 13.1%
BB 20.0%
B 18.3%
CCC 3.5%
CC 0.3%
D 0.0%
Non-Rated 16.0%
May be HQ/HY/NR Bonds
ETFs/Closed-End Funds 5.1%
Beta Measurement
This chart compares the Fund to the S&P 500® over the past three years. The benchmark is intended to provide a comparison to the broad U.S. large cap stock market, and may not be representative of the Fund's investment strategies and holdings. Beta is a statistical measure of the volatility, or market risk, of an investment compared to a benchmark. This chart also shows R-Squared, which helps indicate how meaningful the comparison may be.
Beta — A beta of 1.0 indicates that the Fund's price would generally move with the market. A beta of greater than 1.0 indicates the Fund is more volatile than the market, while a beta of less than 1.0 indicates the Fund is typically less volatile than the market. For example, a beta of 1.2 would indicate that the Fund is generally 20% more volatile than the broad U.S. large cap stock market, while a beta of 0.8 would indicate that the Fund is generally 20% less volatile than the market.
R2 — R-Squared (or correlation squared) is used to indicate what percentage, from 0% to 100%, of the variation in a Fund's return can be explained by the benchmark returns. It is used to help measure how similar a Fund is to the benchmark and how appropriate the benchmark is for other statistical comparisons. The lower the R2, the less meaningful statistics such as Beta will be.
Using the S&P 500 Index as the benchmark, the graph is showing an R2 of 91%
Lower than Benchmark Higher than Benchmark
S&P 500 1.0
0.35 (R² = 91%)
Volatility Measures
Depending on the fund inception date, some data may not be available.
Measures risk by showing how much a fund fluctuates relative to its average return over a period of time.
Average Annualized Returns —These returns, also known as trailing returns, illustrate the average annual fund performance over a specific time period, including capital appreciation as well as reinvested dividend and capital gain distributions.
Thrivent Diversified Income Plus Fund 4.42 6.34
Thrivent Diversified Income Plus Fund Average Annualized Returns
S&P 500® Index 12.10 15.27
S&P 500® IndexAverage Annualized Returns
Bloomberg Barclays U.S. Aggregate Bond Index 2.83 4.03
Bloomberg Barclays U.S. Aggregate Bond IndexAverage Annualized Returns
12 Month Distribution
The sum of a Fund's total trailing dividend distributions for the last 12 months, divided by its net asset value or share price at the end of the period.
30 Day SEC
A standardized yield calculation developed by the Securities and Exchange Commission (SEC). It captures the net investment income earned by a fund over a 30-day period, after the deduction of the Fund's expenses. It's an annualized percentage, based on the Fund's share price on the last day of the period. Since share prices and yields are subject to fluctuation, current yields should not be considered an indication of future results.
30 Day SEC Pre-Waiver
This yield calculation is similar to the 30-Day SEC yield, but shows what the Fund's yield would be without any fee waivers or expense reimbursements.
Monthly Distribution
The sum of a Fund's total trailing dividend distributions for the most recent month, divided by its net asset value or share price at the end of the period, annualized.
(for periods ending as of 12/31/2019)
Dividend Distributions & Price History
Trailing 12-Months; Dividend Schedule: Paid Monthly
Capital gain distribution amounts may change due to reclassifications relating to the fund's holdings in REIT investments. See Corporate Actions Impacting Cost Basis for information about previous return of capital distributions.
Month End NAV
December 2019 $0.0181 $7.34
$0.2387 (Total)
November 2019 $0.0181 $7.29
October 2019 $0.0180 $7.24
September 2019 $0.0188 $7.21
August 2019 $0.0209 $7.18
July 2019 $0.0183 $7.22
June 2019 $0.0208 $7.22
May 2019 $0.0222 $7.05
April 2019 $0.0188 $7.19
March 2019 $0.0204 $7.10
February 2019 $0.0204 $7.07
January 2019 $0.0239 $6.98
Capital Gains - Trailing 12 Months
A capital gain is a profit that a mutual fund realizes by selling securities for a price higher than at which they were purchased.
Short-Term Capital Gain Distributions
Capital Gains paid on assets held by the fund for one year or less.
Long-Term Capital Gain Distributions
Capital Gains paid on assets held by the fund for more than one year.
12/28/2018 - $0.1526 $0.1526
12/30/2019 $0.0027 $0.0395 $0.0422
It's important to understand investing costs because they can impact your net return. Here is a breakdown of applicable sales charges and annual operating expenses associated with this mutual fund. Other fees may apply for certain services or account types and are redeemed directly from your account. Examples include overnight delivery or wire fees and annual custodial fees on IRAs.
Management Fees and Other Expenses
This figure represents the total percentage of a mutual fund's assets paid to the investment adviser for portfolio management and investment services (the "management fee"), "Acquired Fund Fees and Expenses" (if the Fund invests in other mutual funds or investments with management fees), plus "Other Expenses" such as custodial, transfer agency, legal, accounting and administrative fees that are required to operate the fund. For more information, please see the prospectus or Statement of Additional Information.
Distribution/12b-1 Fee (May not apply. See prospectus for more details)
This is an annual marketing or distribution fee on a mutual fund. This is an operational expense, so it's included in a fund's expense ratio.
Less Waiver (May not apply. See prospectus for more details)
Certain funds may be subject to an expense waiver, or the amount the fund's Adviser waives or assumes to keep the fund's expenses low.
Management Fees and Other Expenses 0.77%
Distribution/12b-1 Fee None
Total Annual Fund Operating Expenses 0.77%
Other Fund Fees
Redemption Fee
A fee charged for withdrawing money from a mutual fund. These fees are usually used to discourage shareholders from making too many sales in a short period of time.
A fee charged by a broker or other intermediary for assistance in purchasing or selling shares of a fund.
Low Balance Fee
A fee charged to offset expenses incurred when maintaining low balance accounts.
Redemption Fee None
Transaction Fee None
Low Balance Fee3 $10 semiannually
Front-End Charge
The sales charge applied at the time of an initial purchase of mutual fund shares. The charge is deducted from the amount being invested, so a front-end load lowers the size of the investment.
Back-End Charge
The fee paid when selling shares in a mutual fund within a set number of years, often five to 10 years. The fee amounts to a percentage of the value of the share being sold. The fee percentage is highest in the first year and decreases yearly until the specified holding period ends, at which time it drops to zero.
Front-End Charge None
Back-End Charge None
Initial Minimum Investments
The minimum amount of money needed to first invest in a mutual fund.
Additional Purchases Amount
After the initial minimum investment has been made, ongoing purchases of shares can happen at a much lower amount.
Recurring Investments
This indicates the smallest amount with which you may enter a fund's automatic recurring plan. You can arrange for the fund to receive money from your checking account on a monthly, quarterly, semiannual, or annual basis.
Initial for non-retirement accounts $2,000
Initial for retirement or tax deferred accounts $1,000
Additional Purchases $50
Initial minimums are waived when a recurring investment of $50 or more is set up.
2 Turnover Ratio: 12-month rolling as of 11/29/2019. A measure of the Fund's trading activity which is calculated by dividing the lesser of long-term purchases or long-term sales by average long term market value.
3 Due to the high cost to shareholders of maintaining accounts with low balances, the transfer agent may, by redeeming shares, charge a semiannual fee of $10 if the value of shares in the account falls to an amount below the fund minimum. See the Prospectus for more details.
S&P 500® Index is a market-cap weighted index that represents the average performance of a group of 500 large-capitalization stocks.
Bloomberg Barclays US Aggregate Bond Index is an index measuring the performance of U.S. investment grade bonds.
A leading provider of independent investment research, Morningstar provides data and analysis for approximately 500,000 investment offerings worldwide, including Thrivent Mutual Funds.
Morningstar Information
CHECK OUT OUR FUNDS THAT RECEIVED 4- OR 5-STAR OVERALL MORNINGSTAR RATINGSTM >
Morningstar ratings show the weighted average of a fund's performance associated with its three, five, and ten year (if applicable) Morningstar Rating metrics.
Overall rating for this fund is 4 stars
506 Funds in Allocation--30% to 50% Equity
3 Year Rating
Three-year rating for this fund is 3 stars
Five-year rating for this fund is 4 stars
10 Year Rating
Ten-year rating for this fund is 4 stars
Risk vs. Category
An assessment of the variations in a fund's monthly returns in comparison to similar funds, with an emphasis on downward variation. The greater the variation, the larger the risk score. If two funds have the exact same return, the one with greater variations in its return is given the larger risk score. In each Morningstar Category, the 10% of funds with the lowest measured risk are described as Low Risk, the next 22.5% Below Average, the middle 35% Average, the next 22.5% Above Average, and the top 10% High. Morningstar Risk is measured for up to three time periods (three-, five-, and 10-years). These separate measures are then weighted and averaged to produce an overall measure for the fund. The score shown is the overall measure. Funds with less than three years of performance history are not rated.
Source: Morningstar
Return vs. Category
Morningstar return is an assessment of the fund's excess return over a risk-free rate (the return of the 90-day Treasury bill) in comparison to similar funds, with an emphasis on downward variation. Therefore, if two funds have precisely the same return, the one with greater variations in its return is given the lower return score. In each Morningstar Category, the top 10% of funds earn a High Morningstar Return, the next 22.5% Above Average, the middle 35% Average, the next 22.5% Below Average, and the bottom 10% Low. Morningstar Return is measured for up to three time periods (three-, five-, and 10-years). These separate measures are then weighted and averaged to produce an overall measure for the fund. The score shown is the overall measure. Funds with less than three years of performance history are not rated.
Fixed Income Style Box
Thrivent Diversified Income Plus Fund appeared as a low credit quality, limited interest rate sensitivity fund on the Morningstar Style Box™ as of 10/31/2019.
The Morningstar Style BoxTM reveals a fund's investment strategy. For fixed-income funds, the vertical axis of the Fixed Income Style Boxes shows the credit quality of the bonds owned (high, medium, or low) and the horizontal axis shows interest rate sensitivity (limited, moderate, or extensive) as measured by a bond's effective duration.
Equity Style Map
Thrivent Diversified Income Plus Fund appeared as a large market-cap size, blend investment style fund on the Morningstar Style Box™ as of 10/31/2019.
Weighted average of holdings
75% of fund's stock holdings
A high rating does not necessarily imply that a fund had the best total performance or that the fund achieved positive results for that period. Morningstar rating is for the S share class only; other classes may have difference performance characteristics. Please see the Performance tab for results as of the most recent month and quarter end.
The Morningstar RatingTM for funds, or "star rating", is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds, and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10-year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods.
The Morningstar Style BoxTM reveals a fund's investment strategy. For equity funds, the vertical axis of the Equity Style Map shows the market capitalization of the stocks owned (large, medium, or small) and the horizontal axis shows investment style (value, blend, or growth). For fixed-income funds, the vertical axis of the Fixed Income Style Boxes shows the credit quality of the bonds owned (high, medium, or low) and the horizontal axis shows interest rate sensitivity (limited, moderate, or extensive) as measured by a bond's effective duration.
Morningstar seeks credit rating information from fund companies on a periodic basis (e.g. quarterly). In compiling credit rating information Morningstar accepts credit ratings reported by fund companies that have been issued by all Nationally Recognized Statistical Rating Organizations (NRSROs). For a list of all NRSROs, please visit http://www.sec.gov/divisions/marketreg/ratingagency.htm. Additionally, Morningstar accepts foreign credit ratings from widely recognized or registered rating agencies. If two rating organizations/agencies have rated a security, fund companies are to report the lower rating; if three or more organizations/agencies have rated a security, fund companies are to report the median rating, and in cases where there are more than two organization/agency ratings and a median rating does not exist, fund companies are to use the lower of the two middle ratings. PLEASE NOTE: Morningstar, Inc. is not itself an NRSRO nor does it issue a credit rating on the fund. An NRSRO or rating agency ratings can change from time-to-time.
For credit quality, Morningstar combines the credit rating information provided by the fund companies with an average default rate calculation to come up with a weighted-average credit quality. The weighted-average credit quality is currently a letter that roughly corresponds to the scale used by a leading nationally recognized statistical rating organization (NRSRO). Bond funds are assigned a style box placement of "low", "medium", or "high" based on their average credit quality. Funds with a low credit quality are those whose weighted-average credit quality is determined to be less than "BBB–"; medium are those less than "AA–", but greater or equal to "BBB–"; and high are those with a weighted average credit quality of "AA–" or higher. When classifying a bond portfolio, Morningstar first maps the NRSRO credit ratings of the underlying holdings to their respective default rates (as determined by Morningstar's analysis of actual historical default rates). Morningstar then averages these default rates to determine the average default rate for the entire bond fund. Finally, Morningstar maps this average default rate to its corresponding credit rating along a convex curve.
For interest-rate sensitivity, Morningstar obtains from fund companies the average effective duration. Generally, Morningstar classifies a fixed-income fund's interest-rate sensitivity based on the effective duration of the Morningstar Core Bond Index (MCBI), which is currently three years. The classification of Limited will be assigned to those funds whose average effective duration is between 25% to 75% of MCBI's average effective duration; funds whose average effective duration is between 75% to 125% of the MCBI will be classified as Moderate; and those that are at 125% or greater of the average effective duration of the MCBI will be classified as Extensive.
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Furniture — This furniture, is one of the 16 designs published under the gallery: The Stunning Ranch Home Designs As The Pleasing Home Choice To Live In. In the next page, we have the rectangel ranhc home designs with pointed roof and gray brick wall also red wooden front door and gray garage with small windows with gray wooden covers plus black iron railing facing green grass yard [ ... ]. While in	the previous page, we have the brick ranch home designs with cream garage and two small outdoor lamps also white wooden framed windows plus green wooden front door facing two small wooden carved chairs and white concrete pillars [ ... ].


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1000-Lb. Best Friends: Vannessa gets support from fans after trying on a bikini
Thu Feb 17, 2022 at 6:56pm ET
By Ashley Fletcher
1000-Lb. Best Friends star Vannessa Cross is gaining support from fans. Pic credit: TLC
TLC recently debuted a new show focusing on weight loss and health. 1000-Lb. Best Friends follows four childhood friends as they support one another on their individual journeys to lose weight.
Vannessa, Meghan, Tina, and Ashely make up the cast. The show is loosely inspired by Amy and Tammy Slaton from 1000-Lb. Sisters, and focuses on the importance of friendship and sisterhood alongside health and wellness.
Although the series has just started, viewers are already impressed with the ladies and are eager to see them reach their goals and grow in their relationships.
Vannessa gets support from 1000-Lb. Best Friends viewers
Vannessa, who first appeared in the TLC show Too Large with her friend Meghan, has had a major impact on viewers already.
Of the four women, she is the largest and recognizes she has a long road ahead to hit her goal weight. However, she says she is motivated to be an example for her children and to finally be successful on her health journey.
In a recent Instagram post on the TLC official Instagram account, Vannessa is shown trying on a bikini – something she says she's always wanted to do. While she isn't at her goal weight yet, it was a way to motivate herself to kickstart her journey.
A post shared by TLC (@tlc)
In the comments, Vannessa received compliments from fans who encouraged her goal of wanting a new swimsuit.
One fan commented, "Get it girl. Feel comfortable in your own skin."
A user encourages Vannessa to feel comfortable in her skin. Pic credit: @tlc/Instagram
Another user showed their support to Vannessa by commenting, "She has way more confidence than I do as a size 8."
A fan supports Vannessa for her confidence. Pic credit: @tlc/Instagram
She has stated some of her other goals include being able to travel, easily shop for clothes, and go down a waterslide – something viewers witnessed her get emotional over in a recent episode.
Vannessa shares her story with the public
A single mom of two boys, who tragically lost her husband to cancer in 2016, Vannessa has struggled with weight for most of her life. She admits to using food as a way to hide from her problems and to be a comfort.
In the show, she described growing up poor, and at one time living in a car with her family. To keep her calm and distract her from their situation, her mother would feed her snacks and junk food, which started her food addiction.
She now lives with her sister, Jakie, sharing the small home with her boys. Vannessa has stated that her sister does not support her weight loss journey and often brings food home that is not part of her diet.
When asked about it, Jakie says, "Vannessa will be angry if she doesn't eat the junk food because she will be hungry." She tells Vannessa, "you can't live on just salads" to justify the unhealthy foods she brings home.
Vannessa is seen on the show begging her sister to support her on her diet. She pleads for her to stop bringing in the sugary foods, repeating, "you're killing me" as she fights back tears.
Fans will likely see more drama between Vannessa and Jakie as the season progresses.
1000-Lb. Best Friends airs Monday nights at 10/9c on TLC.
More: 1000-Lb Best Friends, vannessa cross

redpajama_set_name: RedPajamaCommonCrawl


Playing pots out of position is one thing that will lead to being an unprofitable poker player. Three bets out of position especially will get one stuck in a hand and is simply not profitable. For instance at higher stakes playing cutoff raising hands and 3 betting will kill one's bankroll if not done correctly. Obviously 3 betting pre flop with hands such as AK and Queens or better is the best strategy in turning a profit but certain situations call for different plays.
If facing an aggressive player the better play would be to be patient and trap your opponent into taking down a big pot. A steal from the button or re steal with weaker hands will only work against weaker or more passive players. But facing an aggressive player and 3 betting with a hand such as A10 or AJ can get you stuck and lose a big pot if the player actually wakes up with a big hand. One thing I've seen from playing is to switch or change gears relating to the table you are at. If it is a super aggressive table or has many aggressive players then be patient and wait for a hand to take down a big pot.
If it is a tight or passive table 3 bet more often pre-flop whether out of position or in position; in position preferably, and continuation bet after the flop to increase your ROI. Many players at low stakes such as .25/.50 or .50/1 will just look at their hands so this will increase your fold equity by playing more cutoff hands and making continuation bets. But at higher stakes such as 5/10 online it becomes more difficult to take down pots as other players will consistently 3 bet one if they feel that they are raising too many hands. Thus playing hands in position and re raising pre-flop in position will ultimately return the most money to you and allow you to have consistently profitable sessions. Just adjust to the tables you are playing at and 3 betting pre flop will become easy to pick good spots and win more hands and increase profitability.


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Home > Casino Slots > Monkey Warrior
Monkey Warrior Online Slots Review
Monkey Warrior is an online slots game based on a Chinese folk tale about a stone monkey with supernatural powers. Software developers, Pragmatic Play, has taken this theme and turned it into a 243-ways-to-win slot, set against a backdrop of an enchanted garden. Typical to other Pragmatic Play online slots, Monkey Warrior is an easy game to understand and play, with the necessary buttons (like Play and Information), clearly visible at the bottom of the game screen. You can even adjust your bet sizes, and activate the Autoplay feature with one touch of a button. Let's find out more about all the symbol combinations you can trigger when playing the Monkey Warrior online slots game.
Game Symbols and Features
Monkey Warrior works on a 243-ways-to-win mechanic, which means that winnings are paid for symbols that land directly next to each other, from left to right. The bet sizes range from 0.25 to 125 credits, making this an ideal online slots game for all types of players to enjoy, whether you want to play it safe or place maximum bets.
The symbols feature the A, K and Q playing cards, a green bottle of potion, a scroll and three characters from the Sun Wukong Chinese folk tale. The Monkey Warrior is the Wild, and he can replace all other symbols, except the Scatter and money symbols, to complete possible winning combinations. The Scatter, which is also the Bonus symbol, can land anywhere on the reels for a payout, and 3 or more of these will trigger 8 Free Spins. During the Free Spins feature, only the money symbol, the three characters, the scroll and the bonus symbol will be present on the reels. Every 3 bonus symbols that appear during the feature, will trigger another 8 Free Spins.
When 6 or more of the money symbols land on the reels, the Money Respin feature will be triggered. Here, you will start with 5 respins, with only the money symbols appearing on the reels (all other symbols will fall away), and each money symbol will have a value attached to it. During any time of the feature, you could be given the chance to earn more respins, by playing a mini game, where you simply need to select a treasure chest that contains more respins that will be added. Once the feature is complete, either by depleting your respins or when all the reels contain money symbols, the value of each symbol will be added to your winning total.
The Autoplay function of the game will let you select the amount of times that the reels will spin automatically – you can even select to stop the reels when a win has exceeded a predetermined amount, or when you're ready to enter the Free Spins feature.
More Online Slots at mr.play
If you enjoy the features of Monkey King, you can look for similar online slots from Pragmatic Play at mr.play. This online casino offers all new players a 100% match bonus up to C$200 plus 100 Free Spins.


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Minneapolis and St. Paul Information
About Minneapolis and St. Paul
History of Minneapolis and St. Paul
Location of Minneapolis and St. Paul
Travel to Minneapolis and St. Paul
Climate in Minneapolis and St. Paul
Economy of Minneapolis and St. Paul
Culture of Minneapolis and St. Paul
Religions of Minneapolis and St. Paul
Education in Minneapolis and St. Paul
Map of Minneapolis and St. Paul
Minneapolis–Saint Paul is the most populous urban area in the U.S. state of Minnesota, and is composed of 182 cities and townships built around the Mississippi, Minnesota and St. Croix rivers. The area is also nicknamed the Twin Cities for its two largest cities, Minneapolis, with the highest population, and Saint Paul, the state capital. It is a classic example of twin cities in the sense of geographical proximity.
The area is part of a larger U.S. Census division named Minneapolis–St. Paul–Bloomington, MN-WI. It is the country's 15th-largest metropolitan area composed of 11 counties
Get to know more about Minneapolis and St. Paul
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Avon CO Bend and Sunriver Bisbee Butte and Anaconda Coeur d'Alene Concord, MA Corning and Elmira Fort Morgan Freeport Kingman Lewes Milledgeville Naples Ontario, OR Opelousas Payson Providence San Francisco Silver City St. George The Harwiches The Hopi Reservation Trinidad, CO Vero Beach and Sebastian Wilmington, VT


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Coronavirus (COVID-19) Advice for Young People
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For Young People▾
For Youth Workers▾
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Code of Ethics with Commentary
Code of Ethics with Commentary [2004]
Background to the code of ethics
The Code of Ethics for Youth Work was originally developed by Dr Howard Sercombe in conjunction with the youth sector in Western Australia.
The ACT youth sector has adopted this code, and Youth Action endorsed the code in 2004. We are working towards it being adopted as a national code of ethics for youth work.
Commentary Note
Commentary below is by Howard Sercombe, in consultation with the Western Australian Youth Affairs field, 2002 workshop redraft. The commentary is not part of the Code of Ethics itself.
Youth workers exist because of young people's exclusion from full membership of the common wealth, in the struggle by young people for survival and recognition on the one hand and the struggle by society for order and control on the other. The core of youth work practice lies in the relationship with the young person as the primary client, expressed through a commitment to advocacy and healing in their work with the young person and the wider society. The following principles are informed by this core position.
Commentary: The prologue sets up a central position: that young people are important contributors to the economic, social and political life of the nation and have a right to be recognised and included as such. It is about a relationship, not about one party or the other, but it is a relationship in which we take sides. Some people have reacted to the term "healing", finding a connotation of "the medical model" of professional practice, but we found it the best word to describe what needs to happen with young people, the society and the relationship between the two. Obviously, much more than physical healing is in mind. The prologue also makes it clear that youth work is primarily a particular kind of relationship with a young person, rather than a set of skills or practices.
1 Primary client
The primary client of the youth worker is the young person with whom they engage. Where conflict exists between obligations to one young person and another, it is resolved in ways that avoid harm and continue to support the person least advantaged by the resolution.
Commentary: Youth workers have a lot of people to answer to: funding bodies, peers, management committees, parents, communities. This clause, which we believe is at the core of the youth work relationship, keeps us in mind of who we are there for. Lots of people working in the field don't have the young person as their primary client, but see them as one of many stakeholders. That's OK: it just means they are not a youth worker. But young people need to know that there is at least one player in the game that they can rely on to uphold their interests.
2 Ecology
Youth workers recognise the impact of ecological and structural forces on young people. Their work is not limited to facilitating change within the individual young person, but extends to the social context in which the young person lives.
Commentary: This is what distinguishes youth workers from psychologists and counsellors, and also from evangelists. It means that there is an obligation to understand what is happening at a social level for your young people as well as the individual, how they fit into peer, family, community and national social systems, and to work with that social context as well as case management. Using the term "ecology" in this context might be unfamiliar (it comes from the work of social psychologist Ulrich Bronfenbrenner) but it is a useful way to talk about the way that young people are part of social systems which shape their action.
3 Non-discrimination
Youth workers' practice will be equitable.
Commentary: The general point about offering a professional service which deals with people with respect, regardless of things like race and gender, is well accepted. British sources use the term "antidiscriminatory". The point is that resources should be distributed on the basis of relevant criteria (like need) rather than irrelevant ones (like appearance). There is the slightly more tricky question of positive discrimination, which is about allocating resources in favour of groups that have generally been disadvantaged by social arrangements, rather than individually on the basis of need. While the arguments aren't easy, the principle does allow for positive discrimination if it is carefully thought through.
4 Empowerment
The youth worker seeks to enhance the power of the young person by making power relations open and clear; by holding power-holders accountable; by facilitating their disengagement from the youth work relationship; and by supporting the young person in the pursuit of their legitimate claims. Youth workers presume that young people are competent in assessing and acting on their interests.
Commentary: The term "empowerment" has become a bit of a buzzword, and the meaning is not often clear. This clause tries to clarify what empowerment might mean in ethical terms, and what it means for us as youth workers. It focuses on our accountability to young people, and puts empowerment in the context of their ethical and responsible action as well.
In the last sentence, the word "presume" is important. It may be that an individual young person is not a good judge of their interests. They may have a mental illness, or be in some emotional distress. We may find out about these sorts of things as we assess the situation, but the presumption is that young people know what they are doing. It is about the assumptions that we go into a situation with.
5 Non-corruption
Youth workers and youth agencies will not advance themselves at the expense of young people.
Commentary: We often think corruption is just about money. This clause encourages us to keep ourselves honest in terms of our motivations and rewards, which might be about a whole lot of other things than money: like power, profile, emotional security, personal identity...
It is important to realise that this clause does not require altruism. It doesn't mean that youth workers shouldn't do well out of their youth work. It's just that this cannot be at the expense of young people, so that young people don't do as well out of the youth work relationship as they would otherwise.
6 Transparency
The contract established with the young person, and the resulting relationship, will be open and truthful. The interests of other stakeholders will not be hidden from them.
Commentary: We don't deceive young people, either by saying things that are untrue or by not saying things. It may be tempting to, and it might get good outcomes, but we don't do it. We are open about where our funding comes from, who we are working for, and what we are trying to achieve.
7 Confidentiality
Information provided by young people will not be used against them, nor will it be shared with others who may use it against them. Young people should be made aware of the contextual limits to confidentiality, and their permission sought for disclosure. Until this happens, the presumption of confidentiality must apply.
Commentary: Again, even where it might achieve good outcomes, we don't give names or other details to police, schools, Centrelink or anyone else. We presume that young people expect us to keep their information confidential, even if that is about where they were and who they were with. Perfect confidentiality is of course not possible or even desirable: there are always limits. We need to know what they are ourselves, and communicate them to young people early.
8 Cooperation
Youth workers will recognise the limits of their role. Youth workers, in consultation with young people, seek to cooperate with others in order to secure the best possible outcomes for young people.
Commentary: There has been a bit of a history of youth workers seeing themselves as the only people who can really meet a young person's needs: a bit of moral superiority over other professions, which we see as conservative and bureaucratic, perhaps. This clause says: get over it. Other professionals may need help to connect with young people and develop rapport, but if they do, help them. There are lots of things we are not competent to do, things we don't know, and careful collaboration is something you owe to your client. At the other end of the scale, the cooperation needs to secure the best outcome for young people, not the best outcome for the professionals. You don't build your professional network by selling young people out. As always, a self-critical and self-reflective stance is paramount.
9 Knowledge
Youth workers have a responsibility to keep up to date with the information, resources, knowledge and practices needed to meet their obligations to young people.
Commentary: This a standard requirement for professional practice. Lifelong education isn't optional.
10 Self-awareness
Youth workers are conscious of their own values and interests, and approach difference in those with whom they work with respect.
Commentary: This tries to get past the problems with the notion of not being judgemental, but needing to make judgements and communicate them to young people. Clients do come from different cultures, and what can look bad in our culture is OK is theirs and vice versa. It is sometimes important however to speak up about some practice even if it is "cultural". Just because something is accepted practice doesn't mean that it is OK, in our or any other culture. But we should avoid making hasty judgements, be conscious of our own standpoint, and a bit of humility goes a long way.
11 Boundaries
The youth work relationship is a professional relationship, intentionally limited to protect the young person. Youth workers will maintain the integrity of these limits, especially with respect to sexuality. Youth workers will not sexualise their clients.
Commentary: There is a lot in this one. A professional relationship is a special kind of relationship which is designed to be a safe place for vulnerable people. People can give you things there (secrets, information, emotion, weakness) that they can't give in any other relationship. It is safe because there are limits: places we won't go and things we won't take. We need to be clear with ourselves and with each other what they are. Some of them are a matter of personal position (like giving home phone numbers). On others, like sexuality and accepting expensive gifts, there is more consensus. This code sets a limit on sexuality that says a lot of lines have already been crossed by the time a youth worker goes to bed with a young person. Notwithstanding that we are all sexual beings,we control the way that we think about a client so that we avoid constructing them as a sexual object or as the subject of our desire. We definitely do not sit around discussing which of our clients has the best body, or which one we would like to have sex with. In the future, we might try and define how much time should pass after a professional relationship has ceased before a sexual relationship is acceptable: other professions set it at two years.
12 Self-care
Ethical youth work practice is consistent with preserving the health of youth workers.
Commentary: There is a long history of exploitation of youth workers, and of youth workers not taking enough care of themselves. At times, it has felt like peers would think that you weren't working hard enough if you weren't burning out! This clause is about justice for workers as well as clients, but also about how difficult it is to deliver a quality service to young people when you are stretched to breaking point. And about how good quality professional practice takes time to develop, and is not well-served by people burning out and leaving the field after eighteen months. Look after yourself and your family, and still be here doing a good job in ten years.
13 Duty of Care
The youth worker avoids exposing young people to the likelihood of further harm or injury.
Commentary: "Duty of Care' recognises that sometimes we can do more harm than good by intervening in a situation: that intervention carries some risk with it. We can get a bit fired up with our passion to help people, or to get things moving, or to use the skills and resources we have at our disposal, and it might not actually be the best thing. If we are running an activity, making a referral, or engaging a young person in a program, we have a responsibility to make sure that the activity, referral or program is safe in general and for this particular young person, and there will not be further harm that results from their involvement. Risk assessment and management needs to be thorough. Equipment needs to be well maintained, staff need to be properly trained.
It means that we have to exercise care in the employment of staff, whether paid or voluntary, full time or part time. Abuse of young people is not rare, and we are careful about who we give access to the young people we work with. Proper investigation needs to be made of people's work and criminal histories, even if they are volunteers.
14 Integrity
Youth Workers are loyal to the practice of youth work, not bringing it into disrepute. Youth workers will respect the strengths and diversity of roles other than youth work.
Commentary: For youth workers, this means that they are self-aware of their own role and the expectations that this places upon them from themselves, other stakeholders, and from young people. Whilst undertaking a role that may be different from others, youth workers will value and respect difference in others approaches. Through continuing to portray youth work in a professional manner, youth workers will be mindful to not act in a way that can bring their role into disrepute.
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Die Dampflokomotiven der Bauart B IX der Königlich Bayerischen Staatsbahn waren die ersten zweifach gekuppelten Schnellzuglokomotiven in Bayern. Die hintere Kuppelachse befand sich unter dem Stehkessel, sodass die überhängenden Massen klein gehalten werden konnten. Daher konnte eine Höchstgeschwindigkeit der Lok von 90 km/h zugelassen werden. Die Lok erreichte in der Ebene mit einem 150 Tonnen schweren Zug eine Geschwindigkeit von 70 km/h. Die ansonsten im Stil ihrer Vorgänger gehaltenen Lokomotiven besaßen einen tiefliegenden Kessel, Außenrahmen und Stephensonsteuerung. Die Reichsbahn stufte die 1923 noch vorhandenen Maschinen — trotz ihres Treib- und Kuppelraddurchmessers von 1870 mm — nur als Personenzuglokomotive in die Gattung P23.12 ein und sah für sie noch die Betriebsnummern 34 7421–7440 vor. Die Fahrzeuge, welche zwischen 1874 und 1887 gebaut worden waren, wurden aber noch vor der Umzeichnung bis 1925 ausgemustert.

Gekuppelt waren die Lokomotiven mit Schlepptendern der Bauart bay 3 T 10,5.

Erhaltene Lokomotive
Beim Deutschen Museum in München ist ein der Länge nach aufgeschnittenes Exemplar erhalten geblieben. Teile der Sammlung, einschließlich der B IX, sind aus Platzmangel in das Museum Lokwelt Freilassing in Freilassing verlegt worden.

Literatur
 Helmut Griebl (Wien)/ Fr. Schadow (Berlin): "Verzeichnis der deutschen Lokomotiven 1923–1965"; 2. überarbeitete und ergänzte Auflage, Verlag Josef Otto Slezak, Wien 1967

Einzelnachweise

Dampflokomotive Achsfolge 1B
B 09

redpajama_set_name: RedPajamaWikipedia


Black Diamond is a fantasic summer Resort located in the heart of Alaska near Denali National Park. We offer a great restaurant, Alaskan Unique Golfing, an ATV Adventure, and a Back Country Covered Wagon Ride with a gourmet Camp Meal! Fun for all!


WOOSTER -- Greta K. Wigham, 82, of Wooster, died mercifully in her sleep on Wednesday, Jan. 11, 2012, at Wooster Community Hospital, surrounded by her family.Greta was born March 15, 192, in Cleveland, the daughter of Olaf Furseth and Aslaug Furseth (nee Pedersen), both from Bergen, Norway. She graduated from Cleveland Heights High School in 1947, and from Ohio Wesleyan University in 1951, where she was in the Delta Gamma sorority. Greta was a fourth-grade teacher in Lyndhurst, and Fort Lauderdale, Fla., and finished her career at Holmesville Elementary. Thereafter, she was a volunteer reading tutor at Parkview Elementary and a long time volunteer for Meals on Wheels.On Aug. 21, 1957, she married John T. Wigham, an attorney. She gave birth to David (Becky) Wigham, also an attorney, and Susan Wigham, both of whom survive her. Nana is also survived by grandchildren, Andrew and Allison Wigham; a brother, Erik (Lynn) Furseth of Traverse City, Mich.; several nieces and a nephew.She was predeceased by her parents.At Greta's request, her remains will be cremated, and she wanted no funeral services, but the family will meet friends on Saturday, Jan. 14, from 2-4 p.m. at McIntire, Davis & Greene Funeral Home, 216 E. Larwill St., Wooster.Those wishing to, in lieu of flowers, may make contributions to the Salvation Army, 437 S. Market St., Wooster 44691.Greta will be remembered by all as a lovely, graceful and classy lady. Goodbye gal.


Compétences/Skills R&D is currently evaluating the effectiveness of Neuro-Ludus. The game has built-in pre- and post-gameplay components to capture gains in information processing skills. Players have real-time access to all data regarding their performance and progress. Throughout this evaluation period, Neuro-Ludus will be freely accessible to all participating players at: http://www.neuroludus.com. In only a few days the mobile versions will become available from the Apple Store and Google Play. There will be a draw for an iPad mini at the end of the evaluation. Neuro-Ludus will be freely accessible after the evaluation also.
To learn more about Neuro-Ludus, visit www.rewired4technology.com.


2. When an insured person receives a health insurance policy he has how many days to review and ask for a return of his/her premium?
3. Short term policies have a benefit period of how long?
4. If an employee who has a group policy leaves his job, what type of health insurance is guaranteed to him?
5. Which of the following is part of the application?
6. Which of these applies to a standard risk classification?
7. What is a characteristics of term life insurance?
8. What is a characteristic of adjustable life?
9. What is a per capita beneficiary?
11. Which of following is not an exclusion under a health policy?
12. What is the type of insurance which pays for workers hurt in the course and scope of duty?


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Home / Entertainment / Tv / You don't learn anything from Hindi TV: Nia Sharma
You don't learn anything from Hindi TV: Nia Sharma
TV actor Nia Sharma says everyone appreciates her for her honesty; adds that "one does not learn anything from Hindi shows"
Actor Nia Sharma isn't scared of speaking her mind. She wants to try diverse roles, as she feels this is the time to experiment.
Hindustan Times | ByKavita Awaasthi, Mumbai
Nia Sharma is not looking to take a break. The 26-year-old actor, who has moved on from her daily serial Jamai Raja, is happy riding the waves of success. She has now taken up a comedy show Comedy Nights Bachao Taaza, as she wants to attempt diverse roles. Here, she talks about the kind of roles she wants to take up, her frank behavior, and more.
Your last show was a success, do you want to continue doing similar roles?
Your favourite TV bahu is a bikini babe
Jodha Akbar's Rajat Tokas doesn't feel like a celebrity
No, I want to play a romantic character, and a role that will become the talk of the town. Maybe, a role that is on the lines of Kangana Ranaut's part in Tanu Weds Manu (2011). My last show focused on me and my co-star, Ravi Dubey. But after two years, the story reached a saturation point, and the makers wanted to take a leap. So, it was time for me to leave and find something new. I am happy that the show was a success.
You don't shy away from giving your fans a peek into your life. Pictures of your birthday (September 17) bash were all over the Internet as well…
I was happy that all my friends turned up for the party. It was a rocking birthday, and I enjoyed it. I was all over the place, jumping, shouting, and dancing. It was superb. I don't wait for others to put up photos or the media to come and cover my party. I wanted to share my joy with my fans. My social media account was flooded with pictures of my party. I enjoy interacting with my fans.
As long as I'll have body ache, I guess I'll keep posting... #birthdaynighttoremember
A photo posted by Nia Sharma (@niasharma90) on Sep 19, 2016 at 9:35am PDT
Supernatural themes are doing pretty well in television. What's your take on them?
I respect the medium (TV). It has given me everything. However, one doesn't learn anything from Hindi shows. If someone makes a supernatural-themed show, and it becomes the best show, you are only making money and becoming famous. You are not learning anything from it. It's pure entertainment, even if the content is regressive.
Myyyyyy maniacssssssss🙏🙏🙏🙏 Thankk youu for the trend of trending my birthdayyyy evry year😀...
A video posted by Nia Sharma (@niasharma90) on Sep 16, 2016 at 1:15pm PDT
You are quite open about expressing your views. Has this ever landed you in trouble?
No, everyone appreciates me for my honesty. Why shouldn't I speak my mind? I will not say I am blunt. I don't speak about others. If I feel I am not doing something right, I express it to people and to the media too. I wouldn't shy away from that. It's healthy to interact. What you see is what you get with me.
A woman is not necessarily 'beautiful' And a man does not necessarily have 'balls'.
A photo posted by Nia Sharma (@niasharma90) on Aug 28, 2016 at 4:16pm PDT
Kavita Awaasthi
Mumbai-based Kavita Awaasthi writes on Television, for the daily Entertainment and Lifestyle supplement, HT Cafe ...view detail


One of the advantages of being London based is the great community of fellow photographers. I met Khalid then on a third outing with Arnab, who helped a great deal in creating this shot.
Seeing a potential "stranger of interest" (SOI) we set up quickly in a little recessed doorway where a silvery, textured wall offered some interest. Having set up a white shoot through umbrella (camera right, 45* up/side, Canon 600-EX-RT at 1/16) I shot a few test images with Arnab standing in. Things looked a little bright on his skin, so I stripped off my main reflector and agreed he would hold it over the stranger as a diffuser.
Returning to the SOI, however, something didn't feel quite right about her for the background I'd now composed. So I wandered back to base, and set about finding a new subject.
It was ten minutes or so before before Khalid and a female companion came up the street. He had a sleek assurance to his gait and a hint of the Thierry Henry poise to his features, so in I jumped to explain the project.
Though laden with bags from a Birthday shopping expedition for his mother, and en route to an afternoon tea, he kindly agreed to take part. He held a reflector, whilst Arnab held the giant diffuser over him. A few shots in, I roped in his companion who gamely agreed to hold another reflector camera left, create in effect a giant lightbox. I'd accidentally left a spare 600EX-RT on at Khalid's feet facing upward along the wall behind him, adding an extra pop of light at 1/32.
Khalid works in brand marketing, cheerfully admitting he likes consulting, giving advice and being listened to – but he shared this with a neat, self aware smile that spoke to a well rounded soul. Every bit as cool as he looked as he'd approached, he held the camera's attention with some intense stares, and we shook hands.
Khalid – many thanks for stopping, and I hope your afternoon cup of tea lived up to billing. Hope you like your portrait!
This is portrait #84 of my 100 Strangers Project – check out the group page and get involved.
Apologies for my slow catch ups at the moment… I've been enjoying some intense travel with work, which has kept me away from consistent Flickr access. When I can get on the mobile app, I've been using that, but at an inevitably slower pace than a proper catch up session on the desktop.


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Posts Tagged 'violence'
Tags: Biden, cartoons, election, healthcare, police, taxes, Trump, violence, war
Posted: 19 September 2020 in Uncategorized
Tags: Antifa, cartoons, democracy, environment, healthcare, inequality, police, rich, violence, wildfires, working-class
Posted: 4 September 2020 in Uncategorized
Tags: Amazon, Bernie Sanders, Biden, cartoons, election, guns, Left, robots, Trump, United States, violence, workers
Posted: 5 August 2020 in Uncategorized
Tags: Bill Barr, cartoon, coronavirus, evictions, military, Mitch McConnell, pandemic, profits, protests, vaccine, violence
Posted: 27 July 2020 in Uncategorized
Tags: cartoon, coronavirus, debt, DHS, economy, interest rates, military, pandemic, protests, tax cuts, Trump, violence
Tags: BLM, cartoon, GOP, police, Republicans, safety net, violence, workers, working-class
Posted: 22 June 2020 in Uncategorized
Tags: BLM, cartoon, coronavirus, pandemic, police, racism, stock market, violence, whites
Tags: BLM, cartoon, corruption, inequality, police, racism, Trump, United States, violence
Freedom—pandemic edition
Tags: blacks, BLM, Boeing, coronavirus, deaths, economy, freedom, inequality, pandemic, police, R.G.D. Kelley, race, racism, Slavoj Žižek, stock market, stocks, unemployment, United States, violence, whites, workers
"Formal" freedom is the freedom of choice WITHIN the coordinates of the existing power relations, while "actual" freedom designates the site of an intervention which undermines these very coordinates.
— Slavoj Žižek, On Belief
The novel coronavirus pandemic has demonstrated how shallow and restricted the notion of formal freedom is in the United States.
After years of pretending that private healthcare and health insurance expanded the freedom of individual choice, even with the changes introduced by Obamacare, the existing health system has failed to protect most Americans from the ravages of the disease. Right now, with over 2 million confirmed cases and over 100 thousand deaths, the United States has over one quarter of the world's cases and fatalities. And the numbers continue to rise in many states, with the forced reopening of businesses.
Yes, in recent years, Americans have been able to choose to work at a job and use their employer-provided health benefits or to purchase health insurance on state exchanges, thereby dramatically lowering the number of uninsured people. But they haven't been able to choose what kind of health system they want, how they want their healthcare to be provided. As a result, the existing—understaffed and underfunded—public health system, in the midst of an obscenely unequal economy and society, has been unable to effectively confront the spread of COVID-19.
It's that same formal freedom that allows investors to purchase stocks, including equity shares in Hertz, which just happens to have entered bankruptcy protection in late May. Between the 3 and 8 June, Hertz's stock exploded in price. During that week, it increased to $5.53 per share, from 82 cents, a preposterous rise of nearly seven times—apparently just one example of a more general "flight to crap" in U.S. stock markets. And just to highlight the absurdity of what freedom means in the United States, the nation's second-largest car-rental agency filed with the Securities and Exchange commission to sell up to $500 million worth of new shares—shares that would likely be rendered worthless after creditors are paid off—in a move that was approved by the federal judge in Delaware overseeing the Hertz bankruptcy case. (And then, just yesterday, Hertz reversed course and decided to pull the plug on the deal.)
And it's the freedom aircraft manufacturer Boeing relied on in late April to raise $25 billion by selling bonds to investors, to avoid taking aid from the federal government, and then a month later to fire 6,770 workers (part of its plan to reduce a total of 16 thousand jobs).
Meanwhile, employers and the White House (including Labor Secretary Eugene Scalia) are clamoring for businesses to be allowed the freedom to reopen. But they're worried unemployed workers, who have received supplemental benefits as a result of the CARES act, will not want to return to work under with the risk of becoming infected with the virus. So, they've announced both that the extra $600 "disincentive" for people to return to work will be allowed to expire at the end of July and that any workers who refuse to be called back to work will lose their unemployment payments.
Clearly, employers' freedom to reopen their businesses is coming at the expense of workers' freedom to stay home during the pandemic. And that's the limit of formal freedom under capitalism—the kind of fundamental clash during which it is possible to begin to exercise an actual freedom of reimagining and reinventing the rules of economic and social organization.
Thus far, however, we haven't seen much in the way of actual freedom in the economic sphere. Massive unemployment, and therefore the unremitting pressure on all workers, both those with jobs and those without, will do that. But we might just be witnessing such a site in the other fundamental clash currently taking place, the one that arose in response to the recent murders of George Floyd, Ahmaud Arbery, and Breonna Taylor.
The first demand of the Black Lives Matter movement is, of course, freedom from police violence. It's a freedom enumerated in the Constitution (in the Fourteenth Amendment) but undermined and subverted by the systemic racism that historically and still today has haunted the administration of justice in the United States—by both the police and the courts.
The pandemic has also highlighted—and further exacerbated—the obscene racial inequalities that characterize the American economy and society. For example, black Americans are dying from Covid-19 at three times the rate of white people. And while unemployment has skyrocketed for black and white workers in the COVID-19 labor market, the unemployment rate is much higher for black workers, which has in turn worsened the already-high income and benefits gaps between white and black workers.
As it turns out, the Black Lives Matter movement was already, back in 2016, thinking beyond police violence. As Robin G. D. Kelley explained, the organization is invested in a structural overhaul of the American system that oppresses most people. Its demands therefore include
ending all forms of violence and injustice endured by black people; redirecting resources from prisons and the military to education, health, and safety; creating a just, democratically controlled economy; and securing black political power within a genuinely inclusive democracy.
That's more than a laundry list of demands or a simple political platform (like those of the Democratic and Republican parties). It's a vision of economic and social transformation that will produce deep structural changes—for black communities and for all Americans. In other words, it aspires to an enactment of actual freedom that questions the existing coordinates of power relations in the United States (and around the world).
The Black Lives Matter movement infuses the current protests—indeed, the multiracial national uprising we're witnessing across the country—with the potential of becoming the most recent in the tradition of real progressive social movements which, as Kelley explained in his 2002 book Freedom Dreams: The Black Radical Imagination,
do not simply produce statistics and narratives of oppression; rather, the best ones do what great poetry always does: transport us to another place, compel us to imagine a new society.
It's only a possibility, at this stage—the potential of moving beyond a formal freedom from fear to an actual freedom of redrawing the existing boundaries of the economy and society, by generating radically new questions, theories, and knowledges. It's a freedom that can only be produced by a combination of ruthless critical thinking and collective political activity.
It's a freedom that allows us—indeed, compels us—to imagine a new society.
Tags: banks, blacks, cartoon, human rights, looting, police, racism, slavery, United States, violence


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Q: Scope of object within an object in Java I'm learning Java at the moment so I hope this question isn't too obvious. I come from another language which does not have garbage collection.
In this other language I sometimes created objects in constructor and then deleted them in the destructor so I could use them for the entire life of the object.
As a simplified example, I have a user and a booking class. The booking class references a user but if I create the user in the constructor of the booking class, it dereferences the user once it leaves the constructor and becomes out of scope. Any future reference call to the booking.bookedBy user then returns null.
class user {
    public String username;
    public String displayName;
    user(Connection conn, String usernameIn){
     username = usernameIn;
         ... do DB stuff to populate attributes
    }
}

class booking {
  int bookingID;
  user bookedBy;
  ...
  booking(Connection conn, int bookedIDIn){
     bookingID = bookedIDIn;
      ...do DB stuff to populate attributes and grab bookedByUserID
      ...field value and build the BookedByUsername
     user bookedBy = new user (bookedByUsername)
  }
}

Is there a way around this? Or do I need to rethink my design?

A: You are creating a new bookedBy user variable in your constructor, rather than using your class' member variable.
You probably want to change:
user bookedBy = new user(bookedByUsername);
with:
bookedBy = new user(bookedByUsername);

A: You're declaring a local variable in your constructor and it's being used to assign the user you create in the constructor.
I think you want this:
class booking {
  int bookingID;
  user bookedBy;
  ...
  booking(Connection conn, int bookedIDIn){
     bookingID = bookedIDIn;
     //there's no declaration of type needed here because
     //you did that earlier when you declared your member variable up top.
     bookedBy = new user (bookedByUsername)
  }
}

A: In your booking class, you actually have declared two variables called user bookedBy. One has scope for the entire booking class and one has scope for the constructor. To fix this problem, you need to remove the variable declaration in your constructor as show below:
class booking {
  int bookingID;
  user bookedBy;
  ...
  booking(Connection conn, int bookedIDIn){
     bookingID = bookedIDIn;
      ...do DB stuff to populate attributes and grab bookedByUserID
      ...field value and build the BookedByUsername
    bookedBy = new user (bookedByUsername)
  }
}

A:  user bookedBy;

and
user bookedBy = new user (bookedByUsername)

are two different variables.
Remove the second type declaration and your user instance will be allocated to the field level. ie:
class booking {
  int bookingID;
  user bookedBy;
  ...
  booking(Connection conn, int bookedIDIn){
     bookingID = bookedIDIn;
      ...do DB stuff to populate attributes and grab bookedByUserID
      ...field value and build the BookedByUsername
     bookedBy = new user (bookedByUsername)
  }
}

redpajama_set_name: RedPajamaStackExchange


The quantity or oral antiemetic drugs that are dispensed should be limited to a 30-day supply. Order may be refillable.
Aprepitant (J8501) and dexamethasone (J8540) are covered if, in addition to meeting the statutory coverage criteria specified in the related policy article, they are administered to patients who are receiving one or more of the anticancer chemotherapeutic agents in the local coverage determination policy. Modifier KX should be added to each code if billed with one of the covered anticancer chemotherapeutic agents.
Aprepitant (J8501) and dexamethasone (J8540) are covered only if, in addition to the general criteria listed above, they are administered as part of an oral antiemetic three-drug regimen which includes a 5-HT3 antagoinst (i.e., granisetron [Q0166], ondansetron [Q0179], or dolasetron [Q0180]). If aprepitant and/or dexamethasone are not used as part of this three-drug regimen, they will be denied as noncovered. The oral antiemetic three-drug regimen should be submitted on the same claim.
Refer to the oral antiemetic drugs (replacement for intravenous antiemetics drugs LCD on our Web site.


text:
Chi-Ser Tran (Chee Sur Trann)
Chi-Ser Tran is a staff attorney at CLS, where she works in the SSI Unit and leads the Language Access Project. Her practice focuses on representing adults and children with disabilities – particularly those with limited English proficiency or a history of trauma – to access and maintain Supplemental Security Income benefits. She also focuses on language rights advocacy and improving access to legal services for clients with limited English proficiency. She was previously an Initiative for Public Interest Law at Yale Fellow in CLS's Employment Unit. She graduated from Temple University Beasley School of Law, where she was a Rubin-Presser Social Justice Fellow. Prior to law school, Ms. Tran was a Voting Rights Organizer at the Asian American Legal Defense and Education Fund.
Ms. Tran is the 2022 President of the Asian Pacific American Bar Association of Pennsylvania. In 2022, she was honored with a Philadelphia City Council resolution as an "Emerging Leader" on the occasion of Asian American and Pacific Islander History Month and recognized as part of City & State PA's Law Power 100 list.
Civil Rights, Law
language access, daughter of refugees, public interest lawyer


The perfect place to stay for a special break on the Isle of Wight.
Andy and Natasha welcome you to their elegant couple's retreat, situated on the stunning south coast of the Isle of Wight. If you are looking for a unique and special break, the Enchanted Manor is the perfect choice, with our personal friendly service we make the unique 5 star multi award winning Enchanted Manor the ultimate in luxury breaks.
Built in 1836, the Manor House blends peacefully into the sleepy village of Niton, famous for its smuggling coves and ghostly tales. Equipped with roaring log fires, a billiard table, games room and bar, the Enchanted Manor has everything you need for a relaxing break.
Large parties can be Lord and Lady's of the Manor by hiring out the whole Manor House for thier own exclusive use.
The classical elegant suites all have their own individual character, each with wonderful artwork provided by the famous artist Josephine Wall.
We specialise in personal intimate bespoke weddings from 2 - 60 guests. We can arrange your dream wedding and work together with you to ensure you have unforgettable memories on your special day.
We believe in making our Breakfasts the most important meal of the day and a special time to sit and relax in our tranquil conservatory.


Summary: ON CERTAIN PASSENGER VEHICLES, IF THE FRONT SEAT BELT RETRACTORS (BOTH DRIVER AND FRONT PASSENGER) BECOME LOCKED, THEY MAY NOT RELEASE DUE TO A COMPONENT OF THE EMERGENCY LOCKING SYSTEM. IF THE SEAT BELT IS LOCKED IN THIS CONDITION, THE OCCUPANT MAY NOT BE ABLE TO PROPERLY FASTEN THE SEAT BELT.
Consequence: AN OCCUPANT NOT PROPERLY WEARING A SEAT BELT MAY HAVE AN INCREASED RISK OF INJURY DURING A CRASH.
What owners should do: DEALERS WILL REPLACE THE FRONT SEAT BELT ASSEMBLIES. THE RECALL BEGAN ON APRIL 21, 2006. OWNERS MAY CONTACT LEXUS AT 1-800-255-3987.
Summary: ON CERTAIN VEHICLES, DUE TO IMPROPER ASSEMBLY OF THE AIR BAG INFLATOR, WHICH IS USED IN THE SIDE AIR BAG, THE CURTAIN SHIELD AIR BAG, AND THE KNEE AIR BAG ASSEMBLY, SOME INFLATORS WERE PRODUCED WITH AN INSUFFICIENT AMOUNT OF THE HEATING AGENTS NECESSARY FOR PROPER AIR BAG DEPLOYMENT. IN THIS CONDITION, THE EXPANSION FORCE OF THE GAS MAY BE INSUFFICIENT TO PROPERLY INFLATE THE AIR BAG WHEN THE SRS SYSTEM IS ACTIVATED DURING A CRASH.
Consequence: THIS MAY INCREASE THE RISK OF INJURY TO THE OCCUPANT IN THE INVOLVED SEATING POSITION IN THE EVENT OF A CRASH.
What owners should do: DEALERS WILL REPLACE THE SPECIFIC SRS AIR BAG. THE RECALL BEGAN ON APRIL 6, 2006. OWNERS MAY CONTACT TOYOTA AT 1-888-270-9371, SCION AT 1-866-548-1851, OR LEXUS AT 1-800-255-3987.
Summary: TOYOTA IS RECALLING 214,570 MY 2006-2008 LEXUS IS, MY 2006-2007 GS AND MY 2007-2008 LS PASSENGER VEHICLES EQUIPPED WITH ALUMINUM FUEL DELIVERY PIPES (FUEL RAILS). ETHANOL FUELS WITH A LOW MOISTURE CONTENT WILL CORRODE THE INTERNAL SURFACE OF THE FUEL RAILS. AS THIS CONDITION PROGRESSES, THE ENGINE MALFUNCTION INDICATOR LIGHT MAY ILLUMINATE.
Consequence: OVER TIME, THE CORROSION MAY CREATE A PINHOLE RESULTING IN FUEL LEAKAGE. FUEL LEAKAGE, IN THE PRESENCE OF AN IGNITION SOURCE, COULD RESULT IN A FIRE.
What owners should do: DEALERS WILL INSPECT AND REPLACE THE FUEL DELIVERY PIPES FREE OF CHARGE. THE RECALL IS EXPECTED TO BEGIN DURING FEBRUARY 2009. OWNERS MAY CONTACT TOYOTA/LEXUS AT 1-800-255-3987.
View all of the recalls for Lexus Gs. We will help you identify any recalls issued for your vehicle and help you find a local service center. Find a shop near you.


Washington, DC – As airport officials in Colorado are faced with possible cancellations of important capital improvement projects, Colorado U.S. Senator Michael Bennet today urged Congress to stop stalling and approve Federal Aviation Administration (FAA) authorization that would allow these projects to get off the ground and ensure passenger safety. The current funding authorization is set to expire at midnight tonight.
Congress' failure to either approve a new FAA reauthorization bill or a long-term extension of the current bill has forced airport officials in Colorado to consider cancelling already-planned, much-needed improvement projects. At the Loveland-Fort Collins airport, officials have said they may have to shelve a $7 million runway rebuilding project because of Congress' failure to act.
It is estimated that about 4,000 FAA workers will start being furloughed Saturday if Congress allows the authorization to lapse. At Loveland-Fort Collins, officials have said that failure to move forward on the runway rebuilding project could potentially lead to closures this winter and cost around 150 jobs.
Earlier this year, Bennet supported Senate passage of the FAA Reauthorization Bill, which has not been substantively examined or rewritten since 2007. The bill will modernize our nation's air transportation system and reduce frustrating, costly delays by more than 20 percent—saving consumers time and potentially billions of dollars.
In 2007, the total cost of all U.S. air transportation delays was $32.9 billion, including a $16.7 billion cost to passengers, according to the National Center of Excellence for Aviation Operations Research (NEXTOR).