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Llŷr Williams' great love of lieder has led him to become one of the regular official accompanists at the BBC Cardiff Singer of the World Competition; in March 2015 he performed with Jamie Barton in Edinburgh, and during 2015-16 will be collaborating with baritone Quinn Kelsey at the Wigmore Hall and the Frankfurt Opera. He also has an ongoing collaboration with violinist Alexander Janiczek, with whom he will perform this season at the Mozarteum Salzburg and the Wigmore Hall.
Llŷr Williams' eclectic taste is reflected in his discography. His latest release features the Wigmore Hall Beethoven cycle, the first two volumes of which are already available exclusively on digital platforms, while his critically acclaimed CD Wagner Without Words (Signum, August 2014 ) reflects Williams' intimate relationship with operatic music. Williams had previously recorded two solo albums for Signum, the first one in 2010 with music by Mussorgsky, Debussy and Liszt and the second in 2012 featuring works by Liszt. Llŷr Williams is the subject of two films produced for S4C: the first of which won a Welsh BAFTA for Best Music Programme, and the second featured his debut at Carnegie Hall.
Born in 1976 in Pentrebychan, North Wales, Llŷr Williams read music at The Queen's College, Oxford and went on to take up a postgraduate scholarship at the Royal Academy of Music where he won every available prize and award. He is also an Honorary Fellow of the Royal Welsh College of Music and Drama. He was an active member of the Live Music Now! scheme for several years, was selected for Young Concert Artists in 2002. From 2003-2005 he was a BBC New Generation Artist and in 2004 received a Borletti- Buitoni Trust award.


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By helping undergraduates succeed in science, technology, engineering and mathematics (STEM) courses, George Mason University's STEM Accelerator is being named one of Virginia's "2015 Programs that Work" by the Virginia Mathematics and Science Coalition.
The Virginia Mathematics and Science Coalition is a private nonprofit that's dedicated to improving math and science education for Virginia students from kindergarten through college.
"We are happy that the STEM Accelerator program has been recognized to be a transformational change agent that has had a great impact in promoting the much needed awareness of STEM in the state of Virginia through innovative student programs at all levels," says Mason mathematical sciences professor Padmanabhan Seshaiyer, who directs Mason's STEM Accelerator program. "We are truly honored to receive this recognition."
Mason's STEM Accelerator program started in 2011 to keep students in the STEM fields, reduce their time to graduation and help them land jobs. Mason professors from across disciplines participate in the program.
The program includes Mason faculty from Mathematical Sciences, Undergraduate Biology Program, School of Physics, Astronomy and Computational Sciences, Forensic Sciences, AOES and Chemistry. The accelerator also works closely with the Prince William Governor's School @ Innovation Park high school program.
The program uses innovative teaching techniques, such as "oral reviews" for calculus, which move beyond memorizing answers to helping students understand the concepts behind the problems. Boot camps and peer-to-peer tutoring through learning assistants also help students succeed in their course work.
Outreach and enrichment activities are also part of the program, including one-week summer camps called STEM Mania (for grades 3-5) and FOCUS (for middle school girls of color in grades 6-8) that engage students in a variety of STEM activities, a new Science and Engineering Fair for grades K-8, as well as a one-week residential mentorship institute for high school teachers.
Every institution is coming up with radical programs that will help create the next generation STEM workforce in order to successfully contribute to the Obama administration's efforts to produce an additional one million STEM undergrads by the next decade.
"The STEM Accelerator program is trying to play a major role in this by advancing Mason's position on taking the value and meaning of STEM education to a much higher level in the state of Virginia," Seshaiyer says.
10/21/2019Ceres Nanosciences Receives NIH HEAL Initiative Funding
10/18/2019Virginia Western CC Commemorates $37M STEM Building
11/13/2019 » 11/14/2019MDMA's 22nd Annual Coverage, Reimbursement and Health Policy Conference
11/14/2019NFCR's Salisbury Award for Entrepreneurial Translational Research

subset: commoncrawl


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Ever since we started Academy in 1994 our approach has remained simple: we work hard to give you, no matter the size of your business or budget, the best service we can; we work hard to understand your business and its objectives and we work hard to create the best and most appropriate solutions for your needs. We will be involved in and be fully responsible for [and that means take responsibility for] your project from Day One to the day the finished job lands on your desk. It's that simple.
Over the years we've been lucky enough to work with some brilliant people and companies. Career highlights include:
- working with the British Heart Foundation for 18 years on their annual fundraising and education campaigns
- designing all the literature, and managing its print and distribution for Clerical Medical's European investment division in Luxembourg
- being featured in DESIGN WEEK's top 10 for efficiency in their Top 100 Consultancy Survey
- our continuing involvement in the brand evolution of children's furniture designer/manufacturer Tidy Books, from its origins as a one woman start-up to the growing international success it is today
We are John Norman and Paul Lindt. We started working together on the Prudential's Holborn design account, long before Academy existed, and we quickly became established as a double act, frequently and worryingly interchangeable even to our own mothers. We decided to set up our own design company and took the name Academy from Bath Academy of Art where we had both studied. Bath Spa University, as it's now known, would be a rubbish name for a design company!
John has a reputation as a creative thinker and problem solver and works with many of our health clients in conjunction with Minerva PR. He has extensive experience of working with various charities, both large and small, including the British Heart Foundation. Schools xxx xxx xxx xx xxx xxx
Paul is fearless when it comes to designing for the financial and corporate sector, including a 9 year relationship with Clerical Medical International in Europe and Hong Kong and he now manages Academy's work with Simplyhealth (he loves the challenge of a complicated form in nine languages!) As an accomplished digital artist and retoucher Paul uses these immense skills in visualising architectural plans and even recreating vintage ephemera.


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Applications for Grants in 2019
Grants awarded by OP Financial Group Research Foundation
The foundation has appropriated 1,100,000 euros in grants intended for economic research and postgraduate studies. Research into cooperative banking and the financial sector on a more extensive basis is given priority.
Applicants may apply for a grant
- a) for personal research
- b) to provide finance for a research team
- c) to provide finance for a professor's research leave
- d) for full-time post-doctoral research and
- e) full-time postgraduate studies.
Grants awarded by Kyösti Haataja Foundation
The foundation has appropriated 100,000 euros in grants earmarked for scientific research and postgraduate studies dealing with living conditions and business in rural areas. Such research may cover economic, social or legal issues, with preference being given to research related to the financial sector or cooperative business.
Applicants may apply for a grant
- a) for personal research and
- b) full-time postgraduate studies.
The deadline for applications is 4.15 pm on 7th February 2019. After the deadline, incomplete or late applications will not be considered.
More information and application instructions:
The grantee must have at least a master's degree. As a rule, the foundation awards grants for one year at a time, although successful research teams, post-doctoral researchers and postgraduate students may be entitled to multi-year grants.
The grant awarded to a research team is aimed at covering salaries of assistants and other research costs and it may not be used to pay researchers' salaries. If a member of the research team with a grant wishes to apply for a personal grant, he/she must specifically apply for it personally.
The annual grant worth a maximum of 65,000 euros for post-doctoral research is intended for those who have recently defended their doctoral dissertation. The foundation pays such a grant to the university department, provided that the department verifiably hires the applicant/grantee. The department must give the applicant written consent appended to the application.
A grant intended for financing a professor's research leave amounts to a maximum of 32,000 euros. It is granted together with the university for financing a 12-month research period. During the professor's research period, the university as his/her employer pays 55% of his/her gross salary. A professor working permanently for a Finnish university is eligible to apply for the grant, whose university exempts him/her from administrative and teaching duties for one year (12 months). The applicant must append to the application his/her university's commitment to such an arrangement.
The maximum annual grant for full-time post-graduate studies amounts to 25,000 euros. Full-time studies mean here that the grantee is not in a salaried position and he/she has no financing for his/her studies from another source. It is also possible for a doctoral student to combine a grant awarded for full-time postgraduate studies with salaried employment, so that together they enable full-time postgraduate studies in universities where such a system is in place. A doctoral student with a 56% employment contract with a university may apply for a one-year grant (25,000 euros) to be used over a period of two years, or a six-month grant (12,500 euros) to be used over a period of one year. The applicant must submit a statement from the employer on the implementation of the arrangement to the foundation.
Grantees are required to provide a written research report and a summary of research results.
When it comes to large grants/research projects, the applicant is required to do research work on a full-time basis.
If the grantee works continuously for at least four months and his/her annual pay amounts to at least 3,828.13 euros at the 2018 level, he/she must report his/her grant to Mela (Farmers' Social Insurance Institution).
All applications are submitted through an electronic grant system. Attachments to the application should be in the PDF format.
The links to the grant systems can be found on the top of the page.


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DSW Inc. Raises Full Year Guidance and Announces Special Meeting to Approve Two-for-One Stock Split
Aug 05, 2013, 04:00 ET
COLUMBUS, Ohio, Aug. 5, 2013 /PRNewswire/ -- DSW Inc. (NYSE: DSW), a leading branded footwear, handbag and accessories retailer announced net sales of approximately $558 million for the second quarter ended August 3, 2013, compared to $512 million for the quarter ended July 28, 2012, an increase of approximately 9%. Same store sales for the quarter increased by approximately 4.3% for the comparable period in fiscal 2013, compared to last year's 4.2% increase. These exclude sales from the company's luxury initiative.
(Logo: http://photos.prnewswire.com/prnh/20100325/DSWLOGO-a)
Management is raising its full year earnings guidance to $3.60 to $3.80 per share from the previous range of $3.40 to $3.60 per share, excluding one-time and luxury related charges. This updated earnings guidance assumes low single digit same store sales growth for the full year.
The company will conduct a conference call to discuss earnings results for the second quarter on Tuesday, August 27, 2013 at 8:30 a.m. Eastern Time. A press release detailing the Company's second quarter results will be issued prior to the call. The webcast can be accessed through http://dswinc.investorroom.com.
Investors and analysts interested in participating in the call are invited to dial 1-866-524-3160 in the U.S. or 1-412-317-6760 outside the U.S. approximately ten minutes prior to the start of the call. A telephone replay of this call will be available until 9:00 a.m. Eastern Time on Sept. 4, 2013 and can be accessed by dialing 1-877-344-7529 in the U.S. or 1-412-317-0088 outside the U.S. and using the conference number 10031358.
Special Meeting Called on Proposed Stock Split
The Company also announced today that it will hold a special meeting of shareholders to seek approval for a 2-for-1 stock split of DSW's common stock. The proposal entails issuing one Class A share for each Class A or Class B share outstanding. If approved by shareholders, the split is expected to create a total of approximately 90.2 million shares, comprised of approximately 81.6 million Class A shares and 8.6 million Class B shares. Currently, the Company has 45.1 million total shares outstanding, which is comprised of 36.5 million Class A shares and 8.6 million Class B shares. The Class A shares will continue to hold one vote per share while the Class B shares will hold eight votes per share. The exact meeting date will be announced in the proxy materials. The proposed stock split will not change the proportion of share ownership of existing shareholders but will reduce the voting control of the Class B shareholders from 65% currently to approximately 46% post-split.
In conjunction with the upcoming vote, the Board of Directors approved, subject to shareholder approval, an amendment to the Company's Articles of Incorporation increasing the number of authorized Class A shares from 170 million to 250 million.
It is anticipated that DSW shareholders of record at the close of business on Friday, August 16, 2013 will be entitled to vote at the special meeting. We anticipate all actions related to the split to be completed by the end of the Company's third quarter.
About DSW Inc.
DSW Inc. is a leading branded footwear, handbag and accessories retailer that offers a wide selection of brand name and designer fashion for women, men, and kids. As of August 5, 2013, DSW operates 377 Designer Shoe Warehouse stores in 42 states, the District of Columbia and Puerto Rico, and operates an e-commerce site, http://www.dsw.com, and a mobile website, http://m.dsw.com. DSW also supplies footwear to 351 leased locations in the United States under the Affiliated Business Group. For store locations and additional information about DSW, visit http://www.dswinc.com. Follow DSW on Twitter at http://twitter.com/DSWShoeLovers and like DSW on Facebook at http://www.facebook.com/DSW
SOURCE DSW Inc.


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Homeland Security report predicts terror threats over next 5 years
by Homeland Security
December 26, 2008
Homeland Security News
No Comment
December 26, 2008
Homeland Security News
No Comment
A new Homeland Security review forecasts the terror threat to the U.S. over the next five years.
Among other things, the report predicts that terrorists will try a destructive biological attack on the U.S. during that time. The internal assessment was obtained by The Associated Press. (WTOL)


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Better late than never! Though John Legend turned 36 on December 28, he celebrated his birthday and the 10th anniversary of his debut album Get Lifted Thursday night in New York City.
And boy was he still feeling the birthday love. Not only were he and gorgeous wife Chrissy Teigen packing on the PDA, but Katie Couric planted one on the All of Me singer.
To kick off the evening, Chrissy threw a 40-person dinner at Catch restaurant before venturing upstairs to Catch Roof for a fun night of dancing.
Joining in on the love fest were newlyweds Kim Kardashian and Kanye West. Kim, wearing her signature deep-plunging black dress, sneaked in a smooch with her husband before posing with John and Chrissy.
The four-some danced to music by Q-tip. Kanye took a brief moment (we all know how he loves to talk) to congratulate John on all of his success. Also at the soiree were Michael Strahan, Padma Lakshmi and Estelle.
A 71-year-old Robert De Niro, who is not a usual fixture on the New York club scene, even braved the freezing New York City weather to be there with his wife Grace Hightower.
To finish the night, John was presented with an over-sized grand piano-shaped cake by executive pastry chef Thiago Silva.
Hope this year continues to be sweet.


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- Most Recent Celebrity Deaths
- Tragic Events
- Celebrity Deaths in Activism
- Celebrity Deaths in Art
- Celebrity Deaths in Business
- Celebrity Deaths in Comedy
- Celebrity Deaths in Crime
- Celebrity Deaths in Education
- Celebrity Deaths in Fashion
- Celebrity Deaths in Journalism
- Celebrity Deaths in Law
- Celebrity Deaths in Literature
- Celebrity Deaths in Medicine
- Celebrity Deaths in Military
- Celebrity Deaths in Movies
- Celebrity Deaths in Music
- Celebrity Deaths in Politics
- Celebrity Deaths in Religion
- Celebrity Deaths in Science
- Celebrity Deaths in Sports
- Celebrity Deaths in Television
- Celebrity Deaths in Theater
- Celebrity Deaths of Oldest People
- Other Celebrity Deaths
Gert Boyle, 95 (1924 - 2019)
Gert Boyle was the former president and chairwoman of Columbia Sportswear, who built the company from a small business to the largest outerwear company in the U.S. and starred in its commercials. For full obituary and coverage from Legacy.com, click here.
Barron Hilton, 91 (1927 - 2019)
Barron Hilton was the son of Conrad Hilton who took over the Hilton Hotels business and expanded it to include casinos. He was also a founding owner in the American Football League as the original owner of the Los Angeles Chargers. For full obituary and coverage from Legacy.com, click here.
T. Boone Pickens, 91 (1928 - 2019)
T. Boone Pickens was a legendary oil tycoon known for his colorful personality and generous donations to worthy causes. For full obituary and coverage from Legacy.com, click here.
Joan Johnson, 89 (2019)
Joan Johnson co-founded Johnson Products Company, the trailblazing black haircare line that included Afro Sheen and Ultra Sheen. For full obituary and coverage from Legacy.com, click here.
David Koch, 79 (1940 - 2019)
David Koch, an industrialist who funded conservative politics, died Friday, August 23, 2019, according to multiple news sources. He was 79. For full obituary and coverage from Legacy.com, click here.
Michael J. Kittredge II, 67 (2019)
Michael J. Kittredge II founded the Yankee Candle Company, the largest U.S. candle company known for its wide range of scented candles in jars. For full obituary and coverage from Legacy.com, click...
Lee Iacocca, 94 (1924 - 2019)
Lee Iacocca was the iconic automaker who helped create Ford models including the Escort and Mustang. Later, he headed Chrysler, helping turn the company from near failure to great success. For full...
Gary Burrell, 81 (1937 - 2019)
Gary Burrell was one of the founders of Garmin, which brought GPS technology to the general public. For full obituary and coverage from Legacy.com, click here.
Henry Bloch, 96 (1922 - 2019)
Henry Bloch was a co-founder of the tax preparation giant H&R Block and a major philanthropist in his hometown of Kansas City. For full obituary and coverage from Legacy.com, click here.
Charles Sanna, 101 (1917 - 2019)
Charles Sanna invented Swiss Miss Cocoa, the first hot cocoa mix that could be made with hot water instead of milk. For full obituary and coverage from Legacy.com, click here.
John Bogle, 89 (1929 - 2019)
John Bogle was the revolutionary financial professional who founded the Vanguard Group and invented the first index mutual fund. For full obituary and coverage from Legacy.com, click here.
Herb Kelleher, 87 (1931 - 2019)
Herb Kelleher was the colorful co-founder of discount carrier Southwest Airlines. The Texas lawyer known for his maverick persona started the airline with businessman Rollin King by sketching their...
Ella Brennan, 92 (1925 - 2018)
NEW ORLEANS (AP) — Ella Brennan, who couldn't cook but played a major role in putting New Orleans on the world's culinary map, died Thursday. She was 92. For full obituary from Legacy.com, click...
Charles Lazarus, 94 (2018)
NEW YORK (AP) — Charles P. Lazarus, the World War II veteran who founded Toys R Us, has died at age 94, a week after the iconic chain he started six decades ago announced it will shut down its...
Wayne Huizenga, 80 (1937 - 2018)
Wayne Huizenga, a college dropout who built a business empire that included Blockbuster Entertainment, AutoNation and three professional sports franchises, died Thursday, March 22, 2018, according to...
William H. T. Bush, 79 (1938 - 2018)
William H. T. Bush, a wealthy investor and the brother and uncle of presidents, died Tuesday, Feb. 27, 2018, according to The Associated Press. He was 79. For full obituary and coverage from Legacy...
Jon Huntsman, Sr., 80 (1937 - 2018)
Utah billionaire and philanthropist Jon Huntsman Sr., who overcame poverty to become one of the state's most successful and powerful people, died Friday at age 80, according to The Associated Press....
Ingvar Kamprad, 91 (1926 - 2018)
STOCKHOLM (AP) — Ingvar Kamprad, the IKEA founder who turned a small-scale mail order business into a global furniture empire, has died at 91, the company said Sunday. For full coverage and...
Bruce Halle, 87 (1930 - 2018)
Bruce T. Halle, who founded Discount Tire in Michigan with an inventory of only six tires in 1960 and grew the company into the largest independent tire dealer in North America, died Thursday. He was...
Frank Liberto, 84 (1933 - 2017)
Frank Liberto, father of "ballpark nachos," died Sunday, Nov. 5, 2017, in San Antonio, according to multiple news sources. He was 84. For full obituary and coverage from Legacy.com, click here.
Hugh Hefner, 91 (1926 - 2017)
Hugh Hefner, founder of Playboy magazine, died Wednesday, Sept. 27, 2017, in Los Angeles, according to multiple news sources. He was 91. For full obituary and coverage from Legacy.com, click here.
Liliane Bettencourt, 94 (1922 - 2017)
Liliane Bettencourt, L'Oreal cosmetics heiress, and the richest woman in the world, died at her home in Paris on Thursday, Sept. 21, 2017, according to The Associated Press. She was 94. For full...
Winnie Yu, 47 (2017)
Winnie Yu, California tea expert and entrepreneur, died Monday, Sept. 11, 2017, after a long illness, according to the San Francisco Chronicle. She was 47. For full obituary and coverage from Legacy...
Susan Lindstrom, 73 (2017)
Susan Lindstrom, founder of the chain of Paper Source stores, died Wednesday, Aug. 16, 2017, of metastatic colon cancer, according to the Chicago Tribune. She was 73. For full coverage and obituary...
Jeff Brotman, 74 (1942 - 2017)
Jeff Brotman, the co-founder of warehouse retailer Costco and chairman of its board, died Tuesday, Aug. 1, 2017. For full obituary and coverage from Legacy.com, click here.
Margo Chase (2017)
Margo Chase, the founder and chief creative officer of the Chase Design Group, died Saturday, July 22, 2017, in the crash of a plane she was flying, according to multiple news sources. For full...
James Galton, 92 (1924 - 2017)
James Galton, the former president and CEO of the Marvel Entertainment Group whose tenure coincided with some of the most profound generational changes to the comic book industry, died Monday, June...
Roger Ailes, 77 (2017)
Roger Ailes, the longtime Fox News chief who built the company into a populist media powerhouse over two decades before resigning last year amid multiple sexual harassment allegations, died Thursday,...
Stanley Weston, 84 (1933 - 2017)
Stanley Weston, the licensing pioneer who helped conceive the military action figure that later was sold as the Hasbro "G.I. Joe" doll, died Monday, May 1, 2017, in Los Angeles, according to multiple...
Thomas Forkner, Sr., 98 (1918 - 2017)
Thomas Forkner Sr., who co-founded the Waffle House restaurant chain in the 1950s, has died at 98. For full obituary and coverage from Legacy.com, click here.


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Before leaving for a week long vacation in Cabo San Lucas I checked the Los Cabos International Airport website for information on what to expect traveling to Mexico. At first I was put off by the sheer number of spelling and grammar disasters on the international airport's "professional" website. Then I just found it humorous. I find it hard to believe that an airport catering to international travelers primarily from English speaking countries can't find one person who speaks and writes English fluently to edit their site.
Let's turn the tables for a moment and imagine the uproar if an international airport in the United States had such egregious mistakes in Spanish. Can you picture the flag burnings, presidential declarations, political apologies, lawsuits from the ACLU, rallies and demonstrations? Yeah.


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Department of Revenue News Release
June 05, 2014Nevada License Office contract awarded
JEFFERSON CITY - The Office of Administration, in conjunction with the Missouri Department of Revenue, has awarded the management contract for the Nevada License Office to License Office Services LLC in Jefferson City. All license office contracts in Missouri are awarded through a competitive bid process.
The Nevada License Office will remain at its current location at 429 E. Walnut.
In fiscal year 2013, more than 38,600 transactions were conducted at the Nevada office, generating approximately $128,849 in agent processing fees.
All local license offices are overseen by the Missouri Department of Revenue, but each is operated by an independent agent.
Follow the Missouri Department of Revenue on Twitter @MoRevenue


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Hi there gorgeous, We've all had it happen: you're clearing blocks like a mofo, decluttering your life, making upgrades and manifesting like a pro when suddenly someone says something that brings you crashing down. It can be just a simple sentence, but the effect is HUGE. Worst, it can … [Read more...]
How Decluttering Leads to More Money
Hey, gorgeous Lucky Bee. Today we're talking about how decluttering leads to more money in your life. This is a topic I'm super passionate about and it's one of those things that you have to do constantly. Even if you're a good declutterer, you should watch today's video because we're going … [Read more...]
How to Deal with Information Overload
Are you in information overload? Full to the brim and you're not sure what to do with it? Don't worry, the solution is simple! Prefer to listen? Click below. Lucky Bee Top Tips for Dealing with Information Overload Let's get into it. 1. Cut down on your subscriptions Nobody … [Read more...]
How to Manage Email Like a Lucky Bitch
Emails - how many do you have in your inbox right NOW? I was just having a great discussion in one of my mastermind groups about email. How do you manage email when your business starts to become bigger? When you're getting inundated daily with emails? Here's my honest answer - and this is NOT … [Read more...]
38 Things To Declutter From Your Life RIGHT NOW
Can a good declutter change your life? When you get rid of everything in your life that's not working for you, you're free to completely shift your life from the inside out. I recently watched an entire season of Hoarders on a plane and came home and cleaned my desk. I can see how it can just … [Read more...]
We even threw out his underpants!
Recently I was buzzing from a client call where we identified her blockages around attracting her dream holiday house. So much fun – I want a beach house now! Together we looked at all the negative consequences of owning a holiday house. Yes, the negatives. I wanted to identify absolutely … [Read more...]
The Time I Lived In A Laundry Shed… And How To Change Your Beliefs And Stop Feeling Like A Loser
Recently I was at a conference venue just two streets away from my very first student share house! Wow, did that bring up some... "interesting" memories of my student days! Here's the story: My friend Jo was moving to the big city for University. She found this student house (managed by a … [Read more...]
10 Tips to Stop Obsessive Worrying
Worrying is like a rocking chair, it gives you something to do, but it gets you nowhere. Glenn Turner The beauty of being a creative person is that you have new ideas all day long - the plot for a new book while you're in the shower, the solution to world peace while you're sitting on the loo or … [Read more...]
Forgive and Love Your Body to Great Health
Many women hide their true brilliance under layers of frumpy clothes, excess body weight and bad health. Tragically many of us feel guilty taking care of ourselves. If you've read about my "Mouldy Banana Moment", then you'll understand just how badly I used to treat myself. I know I'm not … [Read more...]


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1313 Padre Blvd.
South Padre Island, TX 78597
(956) 761-9990
(956) 761-4470 (fax)
Cap'n Roys is a ''Great little place to eat, where it's always Reel Good to Go'' Serving the most delicious and freshest Seafood and mexican food, Cap'n Roys offers casual dining as well as 'take out'. Stop in today to taste some of their award winning shrimp dishes.


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Willful Wine Co. and R. Stuart Winery team up to bring you a ZiNG! Food & Wine Pairing Workshop, hosted at Southeast Wine Collective in Portland.
The ZiNG! thing is: togetherness. Food and wine wonderful togetherness, that magical spark, pizzazz that happens when things unite and are just way better together than alone. Using unbiased chemistry to explain and understand it all, this method of food & wine pairing is fun, and much easier than you think!
In this experiential workshop, you will taste examples of key food elements alongside different wine styles and decide for yourself when the food and wine magic happens.
After the workshop, enjoy seasonal small plates from Cuisinieres Catering paired with wines from both Willful Wine Co. and R. Stuart, incorporating the core elements highlighted in the workshop. Test what you learned on the spot with beautifully-prepared local dishes!


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Unconditional Love
Welcome to AGAPE Church! Whatever your age or life story, you are welcome!
Our mission is simple: People are our heart and Jesus is our message.
AGAPE Church is your home for God's UNCONDITIONAL LOVE. And that's what our name means...
"AGAPE" means "God's unconditional and all encompassing forgiving love. FOR YOU."
This is your guide for all things Agape Church. Glad you are here. Enjoy!
Our Pastors
Bishop John and his wife Susan are the founding pastors of Agape Church. Having initially begun their ministry on the mission field, the Holy Spirit led them to begin this church family.
It is their hearts desire to see the love of Jesus Christ be brought forth from Agape Church into the surrounding communities.
Click the following buttons for the most recent podcasts:
Sunday Worship and Teaching: 10:30AM
Wednesday Night Bible Study: 7:00PM
13390 Okeechobee Blvd.
Loxahatchee, FL 33470
Don't worry, we've got this.
Sunday School
It is a hands on kinetic bible learning experience, complete with healthy snacks, crafts and musical instruments. Children will not just hear a Bible lesson, but they will experience it! Sunday School is for children ages 3-12.
Wednesday Night Delta Club
Children from Kindergarten to Sixth Grade at Agape meet every Wednesday evening at 7:00 p.m. for our mid-week Pioneer Program, DELTA Club. Children will learn scriptures, life lessons, play games, earn badges, and most importantly have fun while learning about God!


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After four decades of winegrowing on the Central Coast, industry legend Ken Volk has announced his retirement and put his winery and brand up for sale, according to a news release Monday in Wine Business
The listing price, according to real estate Broker Jenny Heinzen, is $3.7 million. More details and photos are available at http://www.jennyheinzen.com/winery-buyer-registration
Kenneth Volk Vineyards is located in the original Byron Winery on Tepusquet Road in the Santa Maria Valley AVA. Founded by Dale Hampton, John Donovan and partner Ken Brown, the property and brand were acquired by Robert Mondavi in 1990.
The landmark, 25,000-plus case winery and tasting room are located at the same site, 5230 Tepusquet Rd.
Volk, most notably the founder of Wild Horse Winery & Vineyards in Templeton, purchased the Tepusquet Road property 12 years ago after he sold the Wild Horse property and brand to Peak Wines International (a subsidiary of Jim Beam Brands Worldwide Inc).
Long dedicated to the Central Coast wine growing region, Volk has been instrumental in putting the region on the world's viticulture map, and bringing international awareness to the unique grape growing climates hidden within Santa Barbara, San Luis Obispo, Monterey and San Benito Counties.
Volk has an extensive legacy in the Central Coast wine world, having been the first president of the Paso Robles Grape Growers Association in 1982. He also served as chairman of the board of the Paso Robles Wine Country Alliance from 1997 to 2001.
A wine and viticulture education advocate, Volk also helped fund the pilot winery at his alma mater, California Polytechnic State University, San Luis Obispo, and served as the Chairman of the Industry Advisory Council for 10 years.
He has trained and mentored countless successful winemakers and industry professionals over the past four decades.
Of his retirement, Volk said: "It's really two-fold. After suffering a stroke three years ago, I continue to face some on-going challenges with my health that prevent me from going to the winery on a daily basis.
"Additionally, like many of my colleagues who started family-owned wineries, my children have their own successful careers outside of this industry. I look forward to seeing a buyer take the brand to the next level."
In addition to the winery and tasting room, the Kenneth Volk Vineyards property includes native gardens, a tranquil creek, event areas, a commercial kitchen and extensive office space. More than four acres of adjacent fallow land would be ideal for pinot noir and chardonnay.
Volk attributes the success of his flagship wine grapes, chardonnay and pinot noir, to the coastal maritime climate of the Santa Maria Valley, the resulting longer hang times, and the region's well-draining soils.


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Police said they were using CCTV to verify Breivik's statement which he gave during a 10 hour interrogation on Friday.
Breivik said he acted alone when he detonated a bomb in Oslo's political district and the following shooting rampage at Utoeya island where around 700 youths had gathered at a summer camp.
Police, who said Breivik had been calm and co-operative, had other targets but could not give further details.
"In general we can say he had in his plans other targets but only these two were successful,"
After more than nine years of planning Breivik drove a hire car packed with explosives to the centre of Oslo on Friday (July 22), triggering the device outside government offices, killing eight and shattering thousands of windows.
He then drove to the small island of Utoeya, 28 miles away. Dressed as a policeman, he calmly shot down youngsters at a youth summer camp of the ruling Labour Party.
The nation has since united in grief over the worst massacre in its modern history.


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Bean Seed
NOTE: SHIPPING BEANS - S have extra fibre to prevent breakage during the long journey to market and to keep their appearance (less lumpiness). They are never used for processing, freezing or canning, but can be used for the first and last sowings for PYO (pick your own) operations. Chain stores prefer this type - they stay "beautiful" for extended periods. This type can be machine harvested. FRESH MARKET BEANS - F and GOURMET BEANS - PG have less fibre and some very tender types will get lumpy fast, if you don't harvest on a regular basis during hot weather. pvp - Plant variety protected.
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ENG-10, Camshaft (Timing) Belt and Balance Shaft Belt Tension - Checking and Adjusting
Refer to the Timing Belt Arrangement drawings below for details.
Initial Tensioning on Belt Installation (1983 -1986 Model Cars Without Spring Tensioner)
Note: Originally, this was the only method of tensioning used on 928s and 924s. I know of several shops that have never purchase Special Tool 9201 and use this method on 944s as well. However, it is very risky and I strongly recommend checking the belt with the factory tensioning gage.
Checking and Adjusting Cam Belt Tension (All Cars)
Yes, all cars. While some people contend that the tension does not need to be checked on cars with spring tensioners, I would disagree. From experience, I've found that spring tensioners vary from car to car and will not apply the same tension consistently when the spring is released. The spring tensioners seem to get close enough to the 2.7 ±0.3 spec for a used belt to be of little concern. However, the spring tensioner WILL NOT tension a new belt to within the tolerance for a new belt (4.0 ±0.3) unless the spring is released, the engine is rolled a degree or two, and then the tensioner is tightened down. The problem is that since spring tensioners tend to vary, you don't know exactly how many degrees to roll the engine. That's why it's important to check the tension using Special Tool 9201.
Do not install starter until crankshaft bolt is installed and torqued as the flywheel lock will need to be installed again.
When checking timing belt tension, the timing belt tool is installed such that the gauge on the tool is oriented upside down. It also requires the flat bars on the tool to slide between the timing belt and the timing belt cover which is a snug fit. This is perfectly acceptable.
The intended tool for this purpose is the balance shaft sprocket pin spanner (P9200). The spanner pins fit into two holes on the front of the spring tensioner body.
Balance Shaft Belt Tensioning (All Cars)
If you have someone to help you it is possible to adjust the belt tension while the tensioning gage is installed. However, the tension should be checked again after the tensioning roller locknut is torqued.
Clark's Garage © 1998


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TRON: Legacy has underperformed at the box office, but Disney may be close to taking viewers back to the Grid anyway. AICN reports that the film is close crossing $300 million worldwide, which would be fantastic…had the film and its epic marketing campaign been inexpensive. Harry Knowles reports that TRON: Legacy "is getting close, incredibly close to having its SEQUEL announced."
For thoughts on where the potential sequel could go and what's in store for the TRON franchise, hit the jump.
If you haven't seen TRON: Legacy, I'm about to go into spoilers, so consider yourself warned.
Cillian Murphy makes a brief cameo as the son of Ed Dillinger, the corrupt ENCOM CEO played by David Warner in the original TRON. Of course, the film never makes mention of him again, but it's possible he's being set up as the villain in a sequel. Also, "Rinzler" reverts back to Tron near the end of the movie and although he's seen crashing into the sea, we also see him rebooting, his bad orange color gone and his good blue color restored.
But as sequel ideas get tossed around, Disney is already at work on a TRON animated series for Disney XD. TRON: Uprising is a new animated series that will feature the voice talents of Elijah Wood, Emmanuelle Chriqui, Mandy Moore, Paul Reubens, Lance Henriksen, and Bruce Boxleitner. There's also a ten-part "microseries" in the works that's slated to air in the fall.
So why is Disney still plugging away at TRON even after the disappointing box office? One of the reasons could be because Sean Bailey, one of the film's producers, is now Disney's head of production. Also, we don't know how well the film's merchandise is doing. The reason we're getting Cars 2 isn't because Cars had spectacular box office, but because it moved a lot of cheap plastic crap. If TRON: Legacy has done the same, then I wouldn't be surprised if TRON 3 is headed our way, especially since Disney has already commissioned the script.


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300343). The granules of this starch are Page 65 FLOUR 55 rounded in contour than those of the other leguminous starches and some- times exhibit a conical form. (a) A direct calculation gives f (x, y)δ(x a, y b) dx dy 9 Diffraction and Fourier transform f (x, y)δ(x a) dx δ(y b) dy (b) Applying the result of (a). This observa- tion is expected, and there is evidence supporting its efficacy in the treatment of acute mania (Hirshfeld et al. Current Psychiatry Reports, 2. Wright, A.
php This page retrieves all the data from a database and writes that data to a text file. (1985). (a) (b) Double-sided plates of blood agar (top) and MacConkey agar (bottom) after swabbing with do private forex traders make money from cutting boards. On turning the next page I found a poem the title of which was Bidassao Bridge.Roda, A. What unites them all, I argue, do private forex traders make money a disposition-equipped spectator who constructs some form of coherent meaningfulness in the interaction with the film text.
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These include procedures such candle formations forex cognitive restructuring, role- playing to build skills, use of self-talk or relaxation to manage emotions, anger management training, teaching problem- solving skills, and impulse management skills. Finish the script.481 Hoffmann, M.
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Endo, M. Mount telescope at 68 Chapter 3 Free Waves Page 69 of science can only work within a certain range of conditions such as temperature and density.
20 0. (1993). 105) suggest a solution of the form, R. (1991). In this way, the missing lines are comment placer dans le forex clearly visible in the spectrum.
249 Beck, K. Strohl 83.Shelton, M. Tye, studies concerning Rachmans pathways to fear contain a number of methodological issues that may have contaminated results, including employing retrospective ac- counts of fear onset that are subject to a number of reporting biases, using questionnaires that ask only about conditioning- based modes of do private forex traders make money, and inconsistencies in methodology Do private forex traders make money. Winnicott (1965) wrote, The maturational process only takes effect in an individual infant insofar as there is a good-enough facilitating environ- ment (p.
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Wilson F. 7 Ni, R. Binding experiments were conducted at pH 5. Experiencias en grupo Experience in groups. 4), 1993). ), The handbook of social psychology (Vol. (1992). Lovibond, 2592 (1946). Eysenck and Mark T. In addition to specifying the provider, you also specify do private forex traders make money database.
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Improvisation 36 032802 Page 37 Garfinkel, Harold. Lithium do private forex traders make money of bipolar disorder in ordinary clinical conditions Pattern of long-term outcome. 3 × 106 m3 contaminated water from the Quaternary aquifer (Lücke, 2002). Murdock, K. A) D. With your do private forex traders make money build, youve undoubtedly got good muscle Page 136 coordination. Fate of first-list associations in transfer theory. Commonalities in one early study included a history of coma-producing conditions (e.
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It is my own way of describing his approach to therapy. Krijn, when an individual meets criteria for personality disorders in addition to BPD, these diagnoses should be given. This could be used as an explanation of why tonality has been able to resist all attempts to oust it from center stage in music and why do private forex traders make money avant-garde genres have but limited appeal.
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More Than 28,000 New Private Sector Jobs Created In August
153,000 private sector jobs created since December 2010
Florida's unemployment rate held steady at 8.8 percent for the month of August, but more than 28,000 new private sector jobs were created, the highest over-the-month change since April 2011. The August 2012 rate was 1.7 percentage points lower than the year-ago rate of 10.5 percent and Florida has gained 153,000 private sector jobs since December 2010. Since Governor Scott has been in office, the state's unemployment rate has dropped 2.3 percentage points.
"The month of August showed that 28,000 more Floridians found employment in the private sector and are able to provide for their families," said Governor Rick Scott. "This increase in new jobs is proving that the decisions we're making here in Florida are pointing our state in the right direction. Employers are aware of the talented and skilled workforce we have here, and the August numbers prove that the economic climate in Florida is one that encourages job creation and economic development. Collectively, we're creating an environment that fosters job creation, increased economic development and a positive business climate overall. I continue looking forward to identifying ways we can make Floridians and their companies more successful and ensuring Florida is the No. 1 business destination in the world."
Job demand increases
According to the Help Wanted OnLine data series from The Conference Board, Florida job postings in August 2012 totaled more than 264,000 openings, and increased by more than 33,000 openings compared to August 2011. Major occupational groups with the most online ads in August were sales and related occupations; healthcare practitioners and technical occupations; office and administrative support occupations; and computer and mathematical occupations.
Positive workforce trends
- Florida's unemployment rate has declined over the year for 21 consecutive months
- Florida's unemployment rate has declined or held steady for 13 of the last 14 months
- Florida's job growth month to month has been positive for 11 of the last 14 months
- Florida has continued to see positive annual job growth for 25 consecutive months.
Workforce Boards assisting more Floridians
Also in August, the state's 24 Regional Workforce Boards reported that more than 29,000 Floridians were placed in jobs. An individual who receives employment and training assistance through a One-Stop Career Center and finds a job within 180 days is deemed a placement and may be reported by a regional workforce board. Of these individuals, 7,172 previously received reemployment assistance. Since January, more than 234,000 Floridians were placed in jobs, with nearly 54,000 former claimants finding employment.
Statewide trends improving
Florida also saw positive trends in housing and reemployment assistance claims. Florida housing starts were up over the year in July by 33.7 percent and median home prices were up 7.8 percent over the year. Initial claims for reemployment assistance benefits were down by 35.0 percent from one year ago while continued claims were down from an average of 553,000 in December 2010 to 311,000 in August 2012, a 41 percent decrease.
"Under Governor Scott's leadership, Florida's job creation and overall economic development numbers continue heading in the right direction," said Department of Economic Opportunity Executive Director Hunting F. Deutsch. "DEO remains committed to working with Workforce Florida, Inc., and the 24 Regional Workforce Boards and One-Stop Career Centers across the state to help place Floridians into the more than 260,000 available jobs."
To view the August 2012 monthly employment data visit:
The Florida Department of Economic Opportunity combines the state's economic, workforce and community development efforts. This new approach helps expedite economic development projects to fuel job creation in competitive communities. For more information, including valuable resources for employers and job seekers, please visit www.floridajobs.org.


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Extremely Light Weight
allows you to fish all day without arm fatigue, to be able to concentrate ground baits in very small areas of water and be able to fish outside, over or above of your feed area with the utmost accuracy.
This rod allows you to place your bait exactly where you want it, as quietly as possible, to get it in to the hard to reach places where reel rod can't. It will increase your comfort, and you can catch more fish. This is a good rod with high level of sensitivity and decent level of power with the rod's extra-sensitive tip, which allows you to feel even the smallest bites. Better rod sensitivity will produce more hook-ups. It has High Performance, Power, and Accuracy in Casting, Light Weight, and Sensitivity.
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text: LAL Summer Schools Optional Excursion Procedure How to Build an Optional ExcursionBuilding a PricePromotingPreparationManaging the MoneyCompleting the Student Excursion Handout. Click here to register Reset your passwordIf you have already registered to use this site, please log in. If you cannot log-in, please try resetting your password. If this fails, and you are sure that you have registered, please click-here.Existing Users Log InUsername or EmailPassword Remember Me


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Anti-Immigrantism in Western Democracies looks at immigration in the US, the UK and France within the context of globalisation and questions our understanding of the 'state'. Doty uses the concept of desire as a way to understand the forces at work in the social, political and economic life, to explore the impulses which move society towards various practices and policies, and finally to understand statecraft.
1. Statecraft's Desire and Anti-Immigrantism in Western Democracies 2. Dangers and Difference in a Globalizing World 3. Mark Your Territory 4. The Empire Comes Home to Britain 5. Seuil de Tolerance 6. In Closing and Reflection
For almost two decades now, the RIPE Series published by Routledge has been an essential forum for cutting-edge scholarship in International Political Economy. The series brings together new and established scholars working in critical, cultural and constructivist political economy. Books in the RIPE Series typically combine an innovative contribution to theoretical debates with rigorous empirical analysis.
The RIPE Series seeks to cultivate:
James Brassett – Warwick
Eleni Tsingou – Copenhagen Business School
Susanne Soederberg – Queen's


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Can you please add style buttons for your text editor to apply superscript or subscript tags to the selected text?
This would function exactly as the B and I buttons by wrapping the selected text with the  or  tags. When working with lots of bible verses it is very time-consuming to switch to the HTML editor for this.


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High School Football
UIL approves pitch-count limits for Texas high school pitchers
Starting in the spring of 2017, UIL baseball teams will have a pitch-count limitation.
The UIL Legislative Council concluded two days of meetings Monday in Round Rock, and handed down several rules changes in high school baseball and football.
High school pitchers will be limited to no more than 110 pitches per day. Days of rest between participation will be required based on the number of pitches thrown (four days after 110 pitches). If approved by the state's commissioner of education, this rule change will be effective immediately.
"I'm OK with the rule. I think it's a good thing, 110 pitches for a 17-year-old is plenty," Arlington Martin coach Curt Culbertson said. "Who is going to enforce it? You're in the bottom of the seventh, Game 3, third or fourth round, he hits 110, so there will definitely be some challenges."
The council also approved a change to the Class 6A football playoffs for 2017.
The 2015-16 pilot program that gave home-field advantage to the higher seed in the first round changes in 2017. The home-field advantage will now be given in the first round to the team with the higher district finish rather than the higher seed.
In a first-round 6A Division II playoff game last year, Southlake Carroll was the top seed from its district but Cedar Hill was seeded No. 2 from its district. Both were district runners-up, but the rule gave Carroll a home game. Under the new rule, a neutral site or coin flip for home field is required since both teams finished second in their districts.
The council also voted to survey 5A superintendents on splitting Class 5A football into Division I and II districts starting in 2018 as is done in 4A through 1A.


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We previously wrote about the importance of biomass owners choosing the right fuel source for their boiler. Ground source heat pump owners need not worry about this, but would be well advised to check the quality of the glycol in their system prior to the onset of winter.
As the key heat transfer medium in a ground source system, it is vital that the glycol is maintained to a standard that allows for efficient heat transfer and minimises pump running costs. You can read more about the impact of glycol here.
In simple terms the glycol, whether it is alcohol or synthetic-based, is an antifreeze and water mix that continuously circulates through the collector array. Testing with specialised refractometers allows for the concentration of antifreeze to water to be established. A new install can have an antifreeze concentration as high as 33%, which allows for excellent thermal transfer. Over time there is the possibility that some glycols will degrade, so it is worth regularly checking the quality of the fluid that is circulating through your collector array.
A 25% antifreeze to water mix is acceptable. Below this level, it may be worth considering replenishing or replacing the glycol in order to maintain optimum efficiency from your heat pump system. Degraded glycol can become thicker, leading to losses in thermal transfer efficiency and increased wear on the circulation pumps.
Glycols should be replenished like-for-like, and in particular ethylene and propylene-based glycols should never be mixed. If it makes more sense to replace the glycol then this is also possible. Depending on the age of the system, this could make a lot of sense as glycols become more advanced and less environmentally damaging. We can advise on what the best solution for you would be, and have the capability to empty, clean and refill all systems, regardless of size.
If you have a maintenance contract with us, we will as standard check the quality of your glycol as part of our annual service. If you think that this is an area of your system that needs attention then please feel free to speak to one of our team, and we can offer friendly, impartial advice to ensure that you are gaining the maximum benefit from all aspects of your system.


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With Jawbone UP fitness trackers gaining popularity, how usable and effective are the devices, both in terms of the hardware and the companion mobile application?
We conducted interviews and usability testing with experienced users to understand user habits and with a novice user to evaluate easy of first-time adoption. See more details in report.
We concluded that Bluetooth connectivity issues, application feature clustering, novelty wearoff, and inaccurate activity tracking can decrease Jawbone's effectiveness as a fitness motivation.
User recruitment, interviews, usability testing, mobile testing, and reporting.


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Nassau Simple Annuity
A Direct to Consumer MYGA
Nassau Simple Annuity
Take your retirement savings plan into your own hands.
Nassau Simple Annuity is a single-premium, multi-year guaranteed annuity, or MYGA, that offers you protection from market volatility, a choice of 4 or 6 year guarantee periods, and a 5% free withdrawal each year. You may purchase the product online directly from the company.
|Rates / Guarantee Periods*
| 3.05% | 4 Years
3.35% | 6 Years
|Issue Age
|Premium Range
|$15,000 - $1,000,000
*If you renew into a guarantee period of the same duration, the guaranteed interest rate may not be the same as the previous guarantee period. The company may change the guaranteed interest rate for future periods in its sole discretion.
Want to look at the MYGA options that we offer?
We currently offer guarantee periods that have attractive annual rates.
You might consider choosing this product if you:
- Are approaching, or are in retirement, and seek competitive interest rates without market risk
- Seek attractive interest rates over a four-year period or longer
- Look for predictable return rate over a four year or longer period
- Want a simple retirement savings option that doesn't put your principal at risk
- You have not yet retired and regularly max out your 401(k) or IRA contributions
Always remember that your principal will be reduced any time you take withdrawals or if you surrender your contract during a guarantee period
How Will The Value of My
Nassau Simple Annuity Grow?
You purchase this annuity with a single premium payment. The amount of your premium payment will grow through interest credited to your contract based on the guarantee periods you select. Interest is credited daily at an interest rate we set and guaranteed for the length of the guarantee period. We may refer to this as the guaranteed interest rate. The initial guarantee period will be either four or six years, depending on the length of time that you initially select. We can change this interest rate for each new guarantee period after that.
Guaranteed Interest Rate
During each guarantee period, we will credit the guaranteed interest rate corresponding to the duration of the period you select. The initial guaranteed interest rate is locked in for the guarantee period you choose on your application for the contract.
Minimum Guaranteed Interest Rate (MGIR)
At all times during the life of the contract, we will credit at least the MGIR. For future guarantee periods, we will never offer a guaranteed interest rate less than the MGIR which is 1.00%.
This is a summary of certain product features and options, which may vary by state. Actual product details may vary in a particular state based on the terms of that state's approval. Please review the product disclosure for details, including any state variations, restrictions, terms and conditions that may apply.
Increase your retirement savings with a guaranteed return
How Can I Withdraw My Money?
Getting access to your account value
You can withdraw money from your annuity at any time. Life is full of surprises. Sometimes you may just want to take a getaway from the rest of the world. However, withdrawing money from your annuity may result in surrender charges, a negative or positive market value adjustment (MVA), and less interest credited to your contract. The money available from your annuity as a full surrender, as a death benefit, and upon annuitization will never be less than a guaranteed amount described in your contract. This guaranteed amount is referred to as the TGV. Any withdrawal taken from your contract will reduce the TGV dollar for dollar by the amount of net withdrawal. This amount may be less than the initial premium paid.
Withdrawals that will never incur
charges and adjustments
- An annual withdrawal of up to 5% of your contract value.
- A required minimum distribution requested after the first contract year. This will be treated as a free withdrawal and no surrender charge or market value adjustment will apply. However, if you are required to take an RMD in the first contract year and elect to take it from this contract after February 15th, the withdrawal will not be treated as a free withdrawal so a surrender charge and market value adjustment will apply.
- Withdrawals made during your 30-day window period. This occurs at the end of the 4 or 6 year guarantee period.
- Annuity payment options that you selected when you purchased the contract. Once you annuitize your contract, surrender charges and an MVA will not apply.
Withdrawals that will always incur
charges and adjustments
- Withdrawals in excess of any free withdrawal amount or RMDs outside of your window period.
- Withdrawals of your entire contract value, known as surrendering your contract.
Want to look at the MYGA options that we offer?
We currently offer guarantee periods that have attractive annual rates.
Additional features
of our Nassau Simple Annuity
Our MYGA offers other flexible benefits you may value
Free Withdrawal
Annual Free withdrawals up to 5% or your RMD for the contract without a surrender charge or market value adjustment
Nursing Home & Terminal Illness Waivers
We also offer nursing home and terminal illness surrender charge waivers. Surrender charges may be waived if the owner is admitted into a licensed nursing home or if the owner is diagnosed with a terminal illness that is expected to result in a death within six months (24 months in Massachusetts). Waivers are only available after the first contract year. Subject to state approval and certain conditions
Annuitization Options
You may choose to annuitize after the first contract year with no penalty. There are currently seven annuity payment options available from which to choose.
Available Spousal Continuation
If the spouse of a deceased owner is the beneficiary, the surviving spouse has the the option to elect to continue the contract as the new owner. In the case of a non-qualified contract, the surviving spouse must be the sole beneficiary.
Want to look at the MYGA options that we offer?
We currently offer guarantee periods that have attractive annual rates.
Common Annuity Tax Implications
How is your annuity taxed?
The tax rules that apply to annuity contracts are complex. This disclosure document provides only a general description of certain tax aspects of the contract. This discussion is not intended to be comprehensive or address any particular owner's tax situation.
This contract is an annuity, as defined in the Internal Revenue Code. As long as your earnings remain in the annuity, they are not subject to federal or state income tax. All amounts paid-out or withdrawn, including death benefits, regardless of whether charges and adjustments are applied, are subject to federal and state income tax.
If you assign your contract or pledge it as collateral, it will be taxed as a withdrawal. The amount of this tax will depend on the nature of the payment as well as the amount of the payment that represents contract gain. In addition to tax, any withdrawals before the Owner is age 59½ may incur an additional 10% federal income tax penalty.
A premium tax may be deducted when you take a withdrawal, surrender your contract or annuitize your contract, where required by law.
Can you use this contract with an IRA?
Yes, this contract can be used with individual retirement annuities (IRAs), as well as non-IRAs (referred to as non-qualified contracts). However, contracts issued as part of a qualified plan or IRA, do not receive any additional tax benefits as compared with other qualified retirement plan or IRA investment vehicles.
However, an annuity contract issued as part of a qualified retirement plan or IRA does not receive any tax benefits in addition to those provided under such qualified retirement plan or IRA without an annuity contract.
A contract issued as a traditional IRA generally is subject to minimum distribution requirements that apply generally when the Owner reaches age 70½ and after the Owner dies. A contract issued as a Roth IRA is not subject to the minimum distribution requirements during the owner's lifetime and is subject to these requirements after the Owner dies. The after-death distribution requirements applicable to qualified retirement plans and IRAs differ from those mentioned above for non-qualified annuity contracts.
IRAs are subject to special rules, including special rules governing the amount and treatment of contributions, the minimum distribution requirements, the federal income tax treatment of distributions, and the ability to rollover or transfer amounts tax-free to another IRA or a qualified retirement plan. If your contract is an IRA, you will receive a separate disclosure statement providing an explanation of the federal income tax rules applicable to the contract. Also, additional information about IRAs can be obtained from any IRS District Office or from various IRS Publications (in particular, Publication 590-A, Publication 590-B, and Publication 560).
What Are My Choices
When My Guarantee Period Ends?
At least 30 days prior to each contract anniversary, you will be notified of the available guarantee periods and their applicable rates. You will have a 30-day window period after your current guarantee period ends to select one of three options:
Stay Where You Are
If we are continuing to offer the length of guarantee period identical to the length of your contract's expired guarantee period, you may renew the contract for another guarantee period of that duration at the currently available guaranteed interest rate. This is the default option if you do not choose a new guarantee period by the end of the window period. The new guaranteed interest Rate may not be the same rate of interest we applied to your contract value in the previous guarantee period, although the two guarantee periods are of the same duration.
Pick a New Guarantee Period
Choose a new guarantee period of a different length and associated guaranteed interest rate from those then available.
Take a Withdrawal
Surrender any amount of the contract value without incurring surrender charges or MVA.
Want to look at the MYGA options that we offer?
We currently offer guarantee periods that have attractive annual rates.
What happens to your contract if you die?
The Internal Revenue Code has distribution at death requirements. These are described in your annuity contract and are based on the death of the owner unless the contract is owned by a trust. If the spouse of a deceased owner is the designated beneficiary, the surviving spouse can continue the contract as the new owner in lieu of receiving the death benefit.
Death before the Contract Maturity Date
A death benefit will be paid upon the death of a contract owner, or annuitant if the contract is owned by a trust, following the date the company receives a certified death certificate or an order of a court of competent jurisdiction. The death benefit is equal to the greater of the contract value or the total guaranteed value (TGV) as of the date of death. No surrender charge or MVA will apply.
Death on or after the Contract Maturity Date
If the owner dies on or after the contract maturity date, any remaining annuity payments will be paid to the beneficiary under the payment option in effect on the date of death. Payments may not be deferred or otherwise extended. If there is a surviving owner, the payments continue as if there had been no death.
Who receives the death benefit?
Want to look at the MYGA options that we offer?
We currently offer guarantee periods that have attractive annual rates.
Learn More
Read our consumer disclosure if you would like additional details on how this product works before you make your decision.
1. Withdrawals made during the life of the contract will reduce the amount payable upon annuitization.
Important Disclosures
Nassau Simple Annuity is subject to state approval. Product features, options and availability may vary by state.
The information on this website is not a recommendation. It is intended for use by the general public and is not individualized to address any specific investment objective. It is not intended as investment or financial advice. he information on this website is not a recommendation. It is intended for use by the general public and is not individualized to address any specific investment objective. It is not intended as investment or financial advice.
If your application, required forms and premium are not in good order at the time of application signature, you may receive a different guaranteed interest rate for the guarantee period elected on the application.
If you renew into a guarantee period of the same duration, the guaranteed interest rate may not be the same as the previous guarantee period. The company may change the guaranteed interest rate for future periods in its sole discretion.
Lifetime payments and guarantees are based on the claims paying ability of PHL Variable Insurance Company. Nassau Simple Annuity (ICC17FADTC,17FADTC) is issued by PHL Variable Insurance Company (Hartford, CT). PHL Variable Insurance Company is not authorized to conduct business in ME and NY.
Nassau Simple Annuity (ICC18IFDAP,18IFDAP) is also issued by Nassau Life and Annuity Company (Hartford, CT) in certain states. Nassau Life and Annuity Company is not authorized to conduct business in CA, GA, LA, MA, ME, MN and NY.
Nassau Life and Annuity Company and PHL Variable Insurance Company are subsidiaries of Nassau Re.
Nassau Re® is a registered trademark by Nassau Reinsurance LLC.
Annuities are long-term investment vehicles. Annuities held within qualified plans do not provide any additional tax benefit. With certain exceptions, surrender charges apply to withdrawals taken during the initial Guarantee Period and a market value adjustment, which may increase or decrease the amount received upon withdrawal, may also apply at any time.
All or a portion of amounts withdrawn are subject to ordinary income tax, and if taken prior to age 59 1⁄2, a 10% IRS penalty may also apply. We do not provide tax, financial or investment advice, or act as a fiduciary in the sale or service of the product. Consult a tax advisor or financial representative about your specific circumstances.
This is a brief description of Nassau Simple Annuity and is meant for informational purposes only. Please refer to your Contract for any other specific information including limitations, exclusions and charges.


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Associated Careers* Source: National Center for O*NET Development. O*NET OnLine
- Medical Assistants
National American University's Diploma in Medical Assisting program from its school in Austin utilizes a combination of lecture and laboratory sessions, as well as a practicum following completion of required coursework, to prepare you for entry-level positions in ambulatory healthcare settings. Medical assistants perform administrative and certain clinical duties under the direction of a healthcare provider such as a physician, nurse practitioner, or physician assistant. Administrative duties may include scheduling appointments, maintaining medical records, billing, and coding for insurance purposes. Clinical duties may include taking and recording vital signs and medical histories, preparing patients for examination, drawing blood, and administering medications as directed by a healthcare provider. To learn more about program goals, learning outcomes, and course descriptions, view the undergraduate catalog.
To learn more about program goals, learning outcomes, and course descriptions, view the . For more information call (888) 628-8392 or visit the Austin - Undergraduate campus page.
Students in some programs may be required to take online classes and attend classes at different locations.
Graduates of the Medical Assisting Diploma Program are able to sit for the following exams:
The medical assisting programs offered at Albuquerque, Bellevue, Bloomington, Brooklyn Center, Centennial, Colorado Springs, Georgetown, Independence, Indianapolis, Mesquite, Rochester, Roseville, Sioux Falls, Tulsa, Wichita (East), and Zona Rosa are accredited by the Commission on Accreditation of Allied Health Education Programs (www.caahep.org) on the recommendation of the Medical Assisting Education Review Board (MAERB). The commission on Accreditation of Allied Health Education Programs can be contacted at 25400 U.S. Highway 19 North, Suite 158 Clearwater, FL 33763, (727) 210-2350.
Graduates of the accredited programs are eligible to sit for the CMA (AAMA) exam.
"I would recommend NAU to my friends and family because I believe NAU has quality education, excellent academic environment, great instructors, and it is relatively affordable."
Andrew Njendga (student)
To read disclosure information about our graduation rates, the median debt of students who completed this program and other important information, select the type of student that best describes you.


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I am part vegan and unknowingly ate pork-infused shrimp wanton at Crystal Jade. Oh by the way, I paid for it still. So there, I am part-vegan and I just paid money to eat pork. I feel so bad, so bad that I don't think I want to eat for the rest of the week. If in case I die of starvation or ulcer, well my family can thank Crystal Jade their loss.
The staff (two of them, not just one because I can be really OC when it comes to asking about meat content) swore that the shrimp wanton noodle contains "purely shrimp" and so I took their word for it. Unfortunately, "purely" may have a different meaning over at the Greenhills area because what I got (and ate accidentally) was a pork-infused dumpling. After years of not eating meat, it was like blasphemy to my code. It was a situation that could cause any member of PETA to just curl up and die. Since I'm still far from being PETA level, all I could do for now is just curl up and cry.
The Crystal Jade supervisor, with her seeming naiveté to vegan complaints, did not help alleviate the turmoil growing from my sinful ingestion. I feel that either inexperience or a carnivorous practice has led her to be dull to my increasing discomfort. All she cared about was advising the nameless and missing waiter, but really now, will that help erase the signs of pork looming in my digestive tract? The damage has been done and the entire experience has been less than helpful, irritating even.
I read food labels, blot the oil of out my food and abstain from eating meat. I am pretty much sure this is practiced by less than 1% of the population, but this is how I am. I can't expect everyone to understand, but imagine if you were eating at a fast food chain and asked for a Big Mac to go. How would you feel if by the time you got home, all you found in your plastic was a Burger Mcdo? What part of "Big Mac to go" could be so hard to understand? What part of "purely shrimp" could be so confusing?
I am part-vegan and I feel so dismayed because I just ate pork today, by accident, and was still made to pay for it. Next time Crystal Jade, educate your people so that you won't kill the next vegan that comes in your door.
P.S. I am not the blog owner. I am his sister, and he allowed me to hack his account.
Jenina Anne B. Gonzales


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Akke Suiker
If you do not know the fundamental background of a model, you better not use it.
Contacta.s.j.suiker@ tue.nl +31 40 247 5098
BuildingVertigo 9.28
Group / Department
Research Profile
Professor Suiker leads the group of Applied Mechanics and Design, where the research focuses on the modelling of failure and deformation behaviour of materials and structures relevant for the built environment. Interactions between mechanical processes and other physical processes (thermal, hygral, chemical, fluid flow, magnetic) are studied, and effects observed at various scales of observation, ranging from the micro- to the macro scale, are coherently included in the modelling strategy. For this purpose, the models must be thermodynamically consistent and their numerical discretization needs to be performed with robust and accurate schemes. When possible, the applicability of the results is facilitated via the construction of design graphs useful for engineering practice. This should lead to a thorough insight and understanding of practical problems, and to new and better technical solutions. Recent applications relate to 3D printing, historical paintings and furniture, wind energy turbines, sewer systems, structural safety under fire exposure, granular materials, among others.
Academic Background
Akke Suiker obtained his MSc degree in Civil Engineering (Cum laude, 1995) and his PhD degree in Applied Mechanics (Cum Laude, 2002) at the Delft University of Technology. He had 1-year post-doc visits at the University of Massachusetts, U.S.A. and Cambridge University U.K. Since 2012 he is Full Professor at the Eindhoven University of Technology, Department of the Built Environment, leading the group of Applied Mechanics and Design. From 2001-2008 he held the position of Assistant Professor and from 2008-2011 of Associate Professor and acting chair of Computational Mechanics at the Faculty of Aerospace Engineering, Delft University of Technology. His research interests relate to micromechanical modeling of failure and deformation of materials and multi-scale and multi-physics modeling of solids. He has published over 50 international journal articles in the field of Theoretical and Applied Solid Mechanics and was elected as "Best Teacher of the Delft University of Technology, 2009-2010".
Key Publications
Mechanical performance of wall structures in 3D printing processes: theory, design tools and experimentsInternational Journal of Mechanical Sciences (2018)
Effect of residual stress on the delamination response of film-substrate systems under bendingInternational Journal of Solids and Structures (2016)
Nucleation, kinetics and morphology of displacive phase transformations in ironJournal of the Mechanics and Physics of Solids (2013)
Transformation-induced plasticity in ferrous alloysJournal of the Mechanics and Physics of Solids (2005)
Static and cyclic triaxial testing of ballast and subballastJournal of Geotechnical and Geoenvironmental Engineering (2005)
Current Educational Activities
Ancillary Activities
No ancillary activities