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ERISA requires employers to provide participants and beneficiaries with information about available insurance through Summary Plan Descriptions.
Long Term Disability (LTD) benefits are disability benefits provided by a private insurer. The Employee Retirement Income Security Act (ERISA) governs group Long Term Disability policies.
ERISA has become synonymous with Long Term Disability Insurance and often claims for LTD benefits are referred to as "ERISA claims".
However, ERISA does not cover all Long Term Disability insurance policies. Government employers and churches are not required to follow ERISA.
Many private insurance policies purchased individually are also exempt from ERISA. If you are thinking of filing a claim and have questions about your policy you might consider contacting an experienced long term disability lawyer.
ERISA does not require that employers provide coverage, but it governs the coverage that an employer may choose to provide.
ERISA helps keep private insurance plans relatively uniform and provides protections to the insured. Many ERISA requirements fall on the employer rather than the insurance company.
ERISA requires employers to provide participants and beneficiaries with information about available insurance through Summary Plan Descriptions (SPD). Under ERISA, a "participant" is defined as:
"any employee or former employee of an employer, or any member or former member of an employee organization, who is or may become eligible to receive a benefit of any type from an employee benefit plan which covers employees of such employer or members of such organization, or whose beneficiaries may be eligible to receive any such benefit."
This definition is important, as many employers do not think of former employees when distributing insurance information materials.
Summary Plan Descriptions are required to be distributed to employees within 90 days of becoming covered by the plan. Additionally, updated information must be distributed every five years if the plan is changed in any way.
Besides distribution, ERISA also regulates what the Summary Plan Description must contain.
The exact rules can be found in the Code of Federal Regulations. These regulations can be complicated and can be explained by a long term disability lawyer. Requirements include but are not limited to:
- the name of the plan
- the name and address of the party (usually the employer) that maintains the plan,
- the employer identification number assigned to the plan sponsor
- the type of plan
- the type of administration of the plan and contact information for the plan administrator
- the registered agent and their contact information
- the trustees of the plan and their contact information
- the plan's requirements for eligibility
- a statement outlining circumstances which may cause a participant to become ineligible
- the sources of contribution and how contribution is calculated
- the procedures for claiming benefits (or a statement that the procedures are provided in a separate document)
- A statement of ERISA rights
The Summary Plan Description is just one of many documents which ERISA requires.
ERISA also requires a Summary of Material Modification if there are changes that effect the price of the plan or the benefits the plan offers. Generally, the employer is required to keep the employee aware of their benefits. If the employee leaves, a COBRA notification is required; if the employee is on a medical leave of absence a Michelle's Law notice may be required.
Long Term Disability benefits can be complicated. Insurance companies are notorious for trying to deny payment, even to legitimate claims. If you have applied for Long Term Disability benefits and been denied, don't give up. Most initial claims are denied. Having an experience long term disability lawyer on your side who has been successful fighting insurance companies can make a big difference in your claim. Call the ERISA attorneys at Bemis, Roach and Reed today for a free consultation. Call 512-454-4000 and get help NOW.
Try these links for further reading on this subject:
Long Term Disability Insurance Appeal Attorneys
ERISA FAQs
Bad Faith, ERISA and Long Term Disability Insurance
Your Free Initial Consultation
At Bemis, Roach and Reed, if we can't help you, we will try to find the right attorneys for you.
We offer each of our prospective clients a free no obligation one hour phone or office consultation to see if we can help you and if you are comfortable with us. We know how difficult a time like this can be and how hard the decisions are. If we can be of assistance to you and help you find a solution to your issue we will even if that means referring you to another attorney.
Or simply call 512-454-4000
to schedule your
Free Consultation
Let's get you Started:
If you could provide us with some basic information about your claim we will get right back with you with a free case evaluation and schedule your Free Consultation Today.


text:
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text:
Sprinkling Stardust21:36
19 Special Thoughts
These photographs are gorge and you look lovely! Thank you so much for this giveaway, I am so happy I won! My birthday is on Friday and I wished for a new, decent bag woooop xReplyDelete
Great photos! And mixed leopard prints is so daring I love the way you wore them!ReplyDelete
you're fantastic with this outfit...love..love it!!..beautiful place..and i love your hair:)ReplyDelete
Love the photos and you wore leopard top and bottom - and it looks great!ReplyDelete
such pretty photos!! it looks so gorgeous thereReplyDelete
- Anonymous13 April 2011 at 08:39
i'm so jealous of your figure and skin complexion - it's amazing! love the sheer shirt <3 cornwall looks like such a calm, beautiful place! oxReplyDelete
- Anonymous13 April 2011 at 09:18
Really intesrting outfit! Great combo of the matching prints, and Cornwall looks beautiful! I've been a few times and can't rememer it being that beautiful!ReplyDelete
Love your style, you take trends and make them your own, very unique :)ReplyDelete
I love Cornwall, it's so beautiful, glad you had some good weather. Love the leopard prints :) xReplyDelete
Cornwall sounds a bit like Cyprus -talking about fashion-ReplyDelete
you can't get out of the house with crazy, unique, or special outfits, people will stare and judge - and gosh it's so annoying.
Anyway, you should just fuck them all and wear what you want:)
beautiful photos, love the way you matched the prints.
Very cool pics- I love all the leopard!ReplyDelete
Oooh, I adore Cornwall. But yes, anything other than boardies, flip flops and a rash vest is regarded as alien. Never mind, there is always Cornish ice-cream... LOVE your blog BTW xReplyDelete
Hi Izzy! I was wondering if you found the dreamcathers necklace you liked so much at my blog :). Beautiful pictures by the way! and I like the panterprints !ReplyDelete
you look adorable, you look great with the mixture of leopard!ReplyDelete
I absolutely love your outfit, and the scenery in these photos! You have fantastic style darling, so glad I found your blog!ReplyDelete
Have a great day!
Love it love it love it!ReplyDelete
And Cornwall does look surprisingly sunny :p
Your hair amazes me girl
wow! this is one of the most perfect settings i've ever seen! love the shorts as well, seriously cool. xoReplyDelete
I like the leopard on leopard!! :D very cool concept! You pull it off well. xReplyDelete
You are so cool! I love your style - very different and very you :) And the shots are beautiful!ReplyDelete
- Che -


text:
News By Tag
Industry News
News By Location
Industry News
St. Albans Addiction Treatment Center Celebrates One Year
An addiction treatment center in St. Albans, Vermont is celebrating one year of treating people with substance use disorders in Franklin County.
By: Addiction Now
The Bay Area Addiction Resources Treatment (BAART) has programs located through the U.S. The St. Albans drug abuse center opened on top of a bus station, making it available to anyone passing by.
BAART programs, a branch of BayMark Health Services, gives opioid addiction treatment for its patients at all its centers. This drug abuse center in St. Albans is one of 26 under the BAART name.
BAART's philosophy is to treat opioid use disorders as chronic disorders and give opioid addiction treatment to patients. Individualized treatment is given by BAART to help patients.
BAART also offers medication-assisted treatment (MAT) to patients.
The BAART Regional Director of Operations said that the location was in a perfect spot in the city where patients formerly had to look for drug abuse treatment facilities in other cities.
BAART's facility is one of two drug abuse facilities in St. Albans, according to the 2018 National Directory of Drug and Alcohol Abuse Treatment Facilities.
There were 12 drug-related fatalities in Franklin County in 2017, according to the Vermont Department of Health. There were 130 drug-related deaths in Vermont last year.
Preliminary data has indicated that there were five drug-related deaths in 2018 in Franklin County and 64 drug-related deaths in the state.
Account Email Address Account Phone Number Disclaimer Report Abuse


text: This training class is specifically designed for practicing professionals, marriage & family therapists, and marriage counselors. This course gives professionals the competitive edge that they need in their demanding practice to better serve our families. It provides practical information that allows professionals to gain a clear understanding of the dynamics of stepfamilies that includes how individuals function within the family and social settings. This information is vital to empower our ever changing families to grow, learn, and develop. The goal is to help stepfamilies create a nurturing environment for our children, the future.


text:
Search the Community
Showing results for tags 'hide'.
Found 2 results
Hide hat feathers.
Valkarah posted a topic in General DiscussionBarbossa taught me that any Pirate worth His or Her salt needs a hat with a big feather in it. So my Female Pathfinder was disappointed to find out that her hide hat didn't have ANY feathers at all. Later on she thought it might be fitting to give the hat to her faithful mischief making Monkey... Now this was a terrible day for that beloved monkey, it quickly lost its favor with his Captain. You see, this hat, when placed on the Monkey's head, had plumage from not one, not two, not even three.... BUT FOUR ! ! ! Feathers.... Needless to say, the Monkey was made to walk the plank for mutiny, it didn't make it to land before the sharks got it. Please give us Female Pathfinders feathers in our Hide Hats.
Resource locations (EU PVP Sharks Frenzy)
smokedog77 posted a topic in General DiscussionJust thought it might be an idea to have locations of resources as the Wiki is no longer accurate. I'm trying to find Straw Hemp B6 Iron B6


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Hot, steaming soup in the woods
Last weekend Britain enjoyed a spat of sunshine and warmth that newspapers insisted on jamming down our throats as WARMER THAN IBIZA. Obviously, this angered the Weather Gods – who decreed that these first hot and enjoyable days of the year must immediately be followed by torrential downpour each night, and the entire following week for good measure.
Planning a camping trip in conditions such as these is a bit pointless, especially when I'd like to use my bivvy bag and sleep under the stars rather than carry a tent. As a compromise, I decided to venture into the woods to make a fire and simply cook myself some dinner.
It had rained for a few minutes an hour or so before I left, so the ground was still somewhat soggy. I started by breaking down some free-standing dead wood, which was still dry enough from not being in contact with the ground. With this I built a base for my fire by laying sticks horizontally over eachother. This would keep the wood off the wet ground and allow air to stoke the fire from beneath. I also constructed a 'crossbar' from which to hang my cooking pot.
I then set to work building myself a little tinder box. For a base I peeled off some bark, and cut holes in it to allow for air to flow through, helping the tinder to catch. Using my needlessly sharp but very impressive Mora Companion bushcraft knife, I cut off little shavings of dried wood, and basically threw a bunch of matches into the pile until it caught fire – before placing the whole thing on the base to burn through.
I then proceeded to incinerate my pan because my fire worked too well, and the whole thing was hanging way too low. The spicy bean soup was tasty but I couldn't actually hold the pan because it was way, way too hot. I had also forgotten to bring a spoon so I had to kneel, alone in the woods, hunched over the pan as it rested on the floor, scooping everything out with the business card of a good friend.
To cap it off I then had to piss on the fire to put it out, in turn urinating on my pal's smouldering dreams of success. Sorry about that.
All in all – a typical blundering, ill-thought-out, wholly enjoyable evening.


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This activity has been cancelled.
171 Mapleton AveBarrie, ON, L4N 8T6
Description: Participate in a variety of activities such as sports, crafts, games, special theme days and more. Please dress appropriately for the weather as some activities may be outside. Extended care hours are 7-8:30am and 4:00-5:30
70 Collier Street P.O. Box 400
Barrie, Ontario L4M 4T5
Contact us for information:
Tel. 705.739.4223


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PUTRAJAYA: Students will soon find it easier to grasp their lessons when the Tutor Intelligent Learning Management System (iLMS) is introduced. It helps students by offering suitable learning plans determined by psychometric tests.
The smart learning software — developed by Perfisio Solutions Sdn Bhd which is a subsidiary of Utusan Melayu (Malaysia) Bhd and Majlis Amanah Rakyat (Mara) — is based on technology developed by applied-research agency Mimos Bhd.
Tutor iLMS enhances learning experience through cognitive profiling and learning objects. A psychometric test is used to identify a student's multiple learning intelligence and distinguishes a suitable learning style for him or her.
Once a learning style — whether visual, auditory, kinaesthetic or simply read-and-write method — has been determined, the system will churn out unique lesson plans for the student.
Based on their psychometric test results, students will be presented with learning plans that come in the form of text and graphics, or more engaging formats such as multimedia, virtual reality and even augmented reality.
The system includes monitoring features that enable students, parents, teachers and state education departments to track the student's learning performance at various stages.
Utusan group chief executive Tan Sri Mohamed Hashim Ahmad Makaruddin said the system can help students better understand their lessons at school and when they revise their lessons.
"These tailor-made lesson plans will deliver the lessons in a way that the student finds interesting. We can expect them to have a better understanding of a particular topic," he said when launching the system here.
At a press conference afterwards, Mara chairman Datuk Seri Idris Jusoh said students can now have an alternative learning-plan to the one-size-fits-all method used in schools.
He added that test drives to ascertain the effectiveness of the smart learning software had been conducted in the Mara Junior Science College (MRSM) in Merbok, Kedah, for three months starting August last year.
Mara will continue to conduct more test drives in four other MRSM branches and a Mara skills training institute this year.
"Students seem to be happy with the lesson plans that are churned out by the software, but it is too early to tell whether it has helped with the performance in their subjects," Idris said.
Mimos president and chief executive officer Datuk Abdul Wahab Abdullah said Tutor iLMS can be customised to suit the needs of any school.
"The technology is already there and teachers can tweak the features based on their needs. A religious school can add religious subjects to the matrix," he said.
Mara plans to make the software available in all 46 MRSMs nationwide by next year. However, Perfisio plans to wait for the complete findings on the pilot projects before making the software available on a larger scale.
Deputy Prime Minister Tan Sri Muhyiddin Yassin officiated at the launch.
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text:
Holy smokes -- where do I even begin?
To celebrate her birthday, my best friend and her husband flew in to visit us. Dave brought with him his copy of the Justice League Unlimited Season One DVD, so we could all watch it together while we chilled out in the evenings.
WHAT a FANTASTIC CARTOON.
NOW THIS IS WHAT I'M TALKING ABOUT -- THIS is what cartoons and comics ought to be like!
The boy AND girl superheroes are all equally fierce and funny and great and heroic and the stories are fun, and the stories are neat -- and oh my goodness, was my heart glad to watch these episodes! I didn't even get to see all of them but did I just love the ones I did.
I enjoyed this -- and so many obscure superheroes made appearances. The Question! Black Canary. Fire and Ice. Captain Marvel. Dr. Fate! And so many, many more. How hilariously fun this was!
We are SO buying this.
Dwayne McDuffie, Bruce Timm -- and all you other creators involved -- I raise my glass and toast you. Thank you for making this show so much FUN!!


text:
20 September 2019
Once again we are pleased to announce that one of our students was awarded 1st place GOLD in The Unique Art Awards. This is a national arts competition funded by the Mouth and Foot Painting Trust Fund. The Unique Art Awards is an Art Competition for children with disabilities and autism between the ages of 7 - 21 years old.
Our student was an entrant in the youth section for his super Lion picture. The charity gave the theme of Africa and his picture is a hand painted lion with African colours and images creating his beautiful mane.
On Monday 16th September he attended the awards evening at the Copthorne Tara Hotel in London with his mum. What a great achievement.


text:
Rendez-Vous de la Matière is an event conceived with the aim of bringing together professionals of the design industry enabling them to discover the creative and sensory potential of materials and facilitate the between manufacturers and prescribers, promoting collaborations.
On the occasion Abet Laminati and Saib present for the first time in France DIPLOS, a Collection of surfaces and panels with complementary decors and textures; a synthesis of materials that create a stylish complete solution dedicated to designers always striving for quality, beauty, design and sustainability.
DIPLOS features are highligted through an impressive exhibiting space reminding us of a landscape dotted by "islands" with different shapes, a path for discovering an unusual skyline made of big DIPLOS monoliths.
Espace Commines
Rue Commines, Paris
19 – 20 March 2019


text:
Donna TaubeWritten by Theresa Rose on April 30, 2015
Donna Taube, 74 of rural Douds, went home to be with her Lord at 5:20 A. M. Wednesday, April 29, 2015 at home. She was born February 28, 1941 near Douds to Kenneth and Ruby Nedrow Knecht and married Daniel E. Taube October 3, 1959 at Zion Lutheran Church, now known as Zion Bible Church. Donna graduated from Douds- Leando High School in 1958 and from Iowa Success School, Ottumwa in 1959. Following graduation from Iowa Success she worked in the office at John Morrell & Co., Ottumwa. In 1970 she graduated from New Tribes Mission Training. The Taubes lived near Douds until 1968 when they entered New Tribe Mission service, living and serving in Durham, Ontario Canada; Rochester, Pennsylvania; Jackson, Michigan and Sanford, Florida and returned to Douds in 2003.
She was a member of Zion Bible Church, Ladies Missionary Group, Ladies Aide of Douds and New Tribes Mission.
She enjoyed decorating, antiquing, crafting and bookkeeping as well as being with her family, music and travelling.
Remaining to cherish her memory are her husband, three daughters, Darla Zonts of Clark Lake, Michigan, Lea Betts (Leigh) of Thailand and Lisa Walker (Jason) of Winter Springs, Florida, two sisters, Dixie Gates (Duane) of Douds and Doris Kisling (Charles) of Keosauqua, 14 grandchildren, a great-granddaughter, her mother-in-law, Evelyn Taube of West Point, other relatives and friends.
She was preceded in death by a son, Mark Taube in 1980 and her parents.
Funeral services will be at 10:30 A.M. Saturday May 2, 2015 at Zion Bible Church, Hwy 16, east of Douds with Pastor Blake Rispens officiating. Visitation will open at 3 P.M. Friday at Pedrick Funeral Home, Douds with family present 5-7 P.M. Cremation will follow the service with private burial of cremains in Zion Lutheran Cemetery. Memorials to Zion Bible Church or KaRen Bible Translation Project in Thailand may be left at the funeral home or church or mailed to the family at 13366 Hickory Avenue, Birmingham, IA 52535


text:
Culture Trip stands with
Black Lives Matter
A great way to see the scenic beauty surrounding Sedona is by Jeep. There are several companies within the area that offer tours throughout the backcountry landscape via Jeeps, including Pink Jeep Tours (yes, the Jeeps are pink), offering adventures for the entire family. Even the littlest members of the family don't have to miss out on these fun excursions, as Pink Jeep Tours allows kids as young as 18 months. They offer six different tours ranging from one-and-a-half hours to three hours. Their guides are highly experienced, and they work with the Bureau of Land Management to make sure the environment is proetcted. Other great companies offering family-friendly tours include Red Rock Western Jeep Tours and Arizona Safari Jeep Tours.
Grab your hiking shoes and swimsuits because a beautiful state park located north of Sedona awaits your family. Slide Rock State Park, a 43-acre historic apple farm, is guaranteed to provide a day of fun for the family, both young and young at heart. There is an entrance fee ($10 per vehicle and up to four adults – 14 and older – at the time of publishing), but it is worth it to experience the natural water slide. Made of red sandstone, kids and adults can slide down the nature-made toy and cool off in the water below. It's a perfect reprieve on a hot summer's day.
928 282 3034
Grab the entire family, load up the car and head south to explore the Montezuma Castle National Monument. Montezuma Castle is an ancient cliff dwelling, one the best preserved on the continent, built sometime between 1100 and 1425 CE and was home to the Southern Sinagua people. Today, the site is brimming with fun and educational activities for everyone in the family. Stroll along the trails, the four-legged family members are also welcome on the trail, while taking in the view of the magnificent architectural feat. Children can participate in activities, all the while learning about the history of the area, eventually earning their Junior Ranger Badge. There is even a day camp they can attend in the summer.
Make sure the young ones take a nap in the afternoon because they are going to want to stay up for this adventure. Sedona has vast clear skies that light up at night with brilliant, twinkling stars. As a result, it is a prime location to participate in some incredible stargazing. One venue to note is Sedona Star Gazing, which was voted 'The Best Thing to Do in Sedona.' The star gazing experience lasts about one-and-a-half hours, and children are welcome (there are some times when children have to be older than 12, but other times, younger ones are also invited to experience this nighttime adventure). They will absolutely love looking through the giant telescope.
Opened in 1973, Tlaquepaque Arts & Crafts Village is a popular, fun arts and craft village that resembles Old Mexico. Located along the banks of Oak Creek, this village boasts stores, restaurants and a lot of art and crafts created by a slew of talented artists.There truly is something for everyone in the family. Parents will enjoy checking out the art and boutiques, while the little ones can explore the Tlaquepaque Toy Town, a store brimming with fun. There are also numerous events that take place throughout the year, including the Festival of Lights, Christmas celebrations, complete with Santa Claus, and much more.
Tlaquepaque Arts & Crafts Village, 336 State Route 179, Sedona, AZ, USA, +1 928 282 4838
With the incredible surrounding outdoors, it should come as no surprise that Sedona is an excellent area to explore on foot. There is a variety of places to go hiking, and with so many destinations to chose from, there is a trail for every skill level, meaning there is sure to be a perfect one that the entire family can enjoy. Families often rave about the Fay Canyon Trail. This hiking trail is little over two miles round trip, with many beautiful sites along the way such as breathtaking views of the canyons. Another fun excursion is Bell Rock, which is a red rock monolith that children are allowed to climb.
For those families with older children, why not take a Segway tour around Sedona to explore the sites. One company worth seeking out is Sedona Segway Tours, as they offer a variety of tours based on time and experience. Ranging from one to two-and-a-half hours, the tours include the Jordon Tour, which will take sightseers on a tour of the tourist area, the Tlaquepaque-Gallery Tour, and for the experienced riders, there is the Chapel of the Holy Cross Tour, an adventure that will take you to the historical chapel built into the red rock. Each tour also comes with training, so you're better equipped to enjoy this experience to the fullest.
Why not experience Sedona from up in the air rather than the ground? With a hot air balloon ride, you and your family can do just that, so make sure the kids get a good night's sleep because this experience only takes place at sunrise and lasts about three to four hours with about one to one-and-a-half hours in flight. Red Rock Balloon Adventures describes their hot air balloon rides as an 'Aerial Nature Walk', which is exactly what it will feel like as you float through the air while taking in the incredible scenery below.
Kids of all ages, including adults, will love this next family-friendly destination. A short drive from Sedona to Camp Verde, Out of Africa is an animal lover's paradise, and if Africa is out of the question due to time and money, this is next best thing. It's a wildlife park where visitors can experience a safari-like adventure. You will see animals such as Southern White Rhinoceros, black leopards, zebras, giraffes, grey wolves, grizzly bears, lions, and many others. Many of their animals are rescues, and the crew at Out of Africa are very much about conservation and education. You can watch shows like the predator feed, giant snake show or the 'Tiger Splash.'
Out of Africa, 3505 W SR-260, Camp Verde, AZ, USA, +1 928 567 2840
For a taste of the Old Wild West, be sure to add the Blazin' M Ranch to your family fun list. Located about 20 minutes away from Sedona, this destination is set up like an old Western town, complete with shops, museums, and adventures galore. Vintage tractor rides, roping lessons, a shooting gallery and there is even a photo shop where the entire family can have a period photograph taken as a souvenir. After a full day of fun, families can then head to the on-site restaurant to have a 'chuckwagon dinner' and show, with tasty options like chicken and baby back ribs, baked potatoes, cowboy pinto beans, prickly pear cole slaw, biscuits, plus apple-caramel crisp.
Blazin' M Ranch, 1875 Mabery Ranch Road, Cottonwood, AZ, USA, +1 928 634 0344


text:
At Gallery Park Dental, we strive to offer a broad range of preventative, cosmetic, and restorative procedures to our patients. In addition to these services which we offer on a permanent basis, we also have seasonal and limited-time specials available to both first-time and existing patients.
Current Dental Specials
New Patient Special: If you are overdue on your dental exam and cleaning, come visit us today! We are currently accepting new patients, and the initial consultation with one of our Glenview, IL dentists is free of charge. We want you to feel completely confident before beginning any type of new treatment plan, so take advantage of this exclusive offer by calling us today.
Whitening for Life Program: At Gallery Park Dental, we want to help our patients maintain the whiteness of their smile for as long as possible. For only $99.00, we offer the "Whitening for Life" program. In this program, you receive a customized whitening tray for both your top and bottom teeth, as well as two syringes of whitening gel and a case to store your trays in. As long as you come to our office every six months for your dental cleaning, you will continue to receive an additional syringe of whitening gel for free at every visit!
Invisalign: For a limited time only, Invisalign treatments are $500.00 off when you mention seeing the special on our website. All consultations for Invisalign are free of charge, so schedule yours today by calling or visiting our office.
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To take advantage of these current specials — as well as to learn more about additional future specials — call our office at (847) 250-1130 today!


text:
Přihlášení, hypoteční poradci:Registrovat se / Proč se registrovat
Novinky ze světa hypoték:
Levné hypotéky končí - banky zdražují3. října 2018
České banky již po několikáté v krátké době navýšily úrokové sazby hypoték. Opakovaným zvýšením sazeb banky reagují na rozhodnutí České národní banky, která opět zdražila mezibankovní zdroje financí. Hypotéky se tak stávají opět méně dostupné mladým lidem, než bylo zvykem v minulých letech.
V Česku se stále více lidí orientuje směrem k vlastnímu bydlení. Platit podnájem nebo hypotéku je někdy otázkou rozdílu jednotek tisíc. Nyní se situace na trhu opět mění a přispívá tomu další omezení a to je zvýšení podílu vlastních financí při koupi nemovitosti. 100% hypotéky jsou již dávnou minulostí a teď je toto omezení nejen doporučením, ale novou normou.
Česká spořitelna má opět největší podíl hypoték9. června 2012
Česká spořitelna poskytla občanům za 1. letošní čtvrtletí nejvíce hypoték, má tak největší podíl na trhu. Tržní podíl České spořitelny v tomto období činil 34,4 %
Refinancování hypotéky: ČSOB nabízí klientům odpuštění 5% hypotečního úvěru16. května 2012
ČSOB představila novinku pro rok 2012 s názvem Hypotéka s bonusem. Refinancování hypoték je stále častější téma a tak banka nabídla klientům, že jim z celkové výše hypotečního úvěru odpustí 5 %, pokud s úvěrem dlouhodobě zůstanou u ČSOB.
V prvním čtvrtletí 2012 uzavřeno celkem 17 090 hypotečních úvěrů14. května 2012
Produkce hypoték dosáhla dle statistik MMR ČR v prvním čtvrtletí letošního roku svého rekordního maxima, které dokonce ve svém objemu o půl miliardy korun předčilo i první čtvrtletí rekordního roku 2007.
Komeční banka v květnu zlevňuje hypotéky14. května 2012
Nová akční nabídka Komerční banky přináší od dnešního dne významné zvýhodnění hypotečních úvěrů s delší dobou fixace. U hypoték s fixací na 5 a více let byla úroková sazba snížena až o 0,6 procentního bodu.
Diskuse o hypotékách:
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- oPIozlHKIiRlCwMym
- oPIozlHKIiRlCwMym
- oPIozlHKIiRlCwMym
- oPIozlHKIiRlCwMym
- lbXyqxtctaM
- lbXyqxtctaM
- lbXyqxtctaM
- lbXyqxtctaM
- lbXyqxtctaM
Celá diskuze o hypotékách
Vyberte si svou hypotéku
Spočítejte si splátku hypotéky
Diskuse o hypotékách
WWTnNznpgIPc24. října 2019, Grover,
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text:
By Erik Laurinovics, for The Football ERA
And just like that, we're already at the end of the season. It feels like I was doing my regular season O/U predictions yesterday and that surely there must be at least half a season left or so. Alas, there is not, but I'm certainly going to enjoy the final game of the year. We're primed for one of the better matchups in the past decade, with a line of 1.5 and a game that truly looks like either team can win. Both teams have made it this far with dominant defense, effective pass rushing, and quarterbacks who are able to survive leaky offensive lines and make plays. However, don't let all of the media hype fool you; this game will be about defense. If anything was proven last week, it's that both of these offenses can be stopped. Green Bay was never in serious danger of losing, but Chicago held them to 21 points and forced a couple of interceptions. Pittsburgh's dominant first half against the Jets gave way to a second half meltdown which very nearly cost them the game. For both teams this week, the opposing defense has not gotten any easier. Ben Roethlisberger will likely be standing behind a battered o-line, down three starters, and facing the best pass rush in the league, while Rodgers will be facing the league's best rushing defense and defensive Player of the Year Troy Polamalu. It should be a fantastic defensive battle and will probably come down to the last possession. Luckily, the spread is less than a field goal, so you should be fairly safe just picking your winner. Speaking of picks, lets get on to the last pick of the year...
Green Bay -1.5 over Pittsburgh
Under 44.5
There it is, your winning Super Bowl two-teamer. I'm much less confident in the over/under than I am in the Packers, but wanted to throw it in there anyway.
Personally, Pittsburgh losing Pouncey locked this pick in for me. To me, the impact is pretty obvious... Pouncey went down in the first quarter. Mendenhall ran for 95 of his 121 yards in the first half. In the second half, with Pittsburgh up 24-3, he was only able to run for 26 yards. The Steelers could not run the ball at all, and that was with a substantial lead. It really seemed like the Jets were able to find a way to exploit Pouncey's absence in the second half and completely dominate the offensive line. Granted, the Steelers only had 4 possessions the entire second half, but credit goes to the Jets defense. They produced two sacks, an interception, a safety, contained the run game, and came that close to stealing a win. In the Super Bowl, a game so evenly matched and likely to be a defensive contest, play on the line of scrimmage will be even more critical.
|Some members of the last Packers team to win the Super Bowl


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Happy Fourth, y'all!
We usually do something to observe the Fourth. Eat hamburgers and set fire to something. You know, like that.
I don't think we're doing anything this year, though. To be honest, this was always one of my least favorite holidays. I'm as patriotic as the next weasel, but it was always miserably hot every year and then the expected thing was to stand over a fire and cook food.
I hate hot.
Celebrate in my name, fellow Americans, and join me back here tomorrow 6WBT for Dead Pool Round 122.
July 4, 2019 — 7:37 pm
Comments: 12


text:
No products
The Super Big Bertha is a model rocket kit, bigger "brother" of the famous Big Bertha. Almost 1 meter high and flying with E and F engines!
Few items in stock
Availability date: 0000-00-00
Super Big Bertha - Estes
The Super Big Bertha is a model rocket kit, bigger "brother" of the famous Big Bertha. Almost 1 meter high and flying with E and F engines!
Recipient :
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|94 cm
|66 mm
|252 g
|Motor mount
|29 mm
|61 cm plastic parachute
|Launch pad
|With 6 mm launch rod
|Recommended Engines
|Aerotech Single Use 29 mm: F20-7W, F23-7FJ, F27-8R Aerotech RMS 29 mm: E16-4W, E23-5T, F22-7J Aerotech Single Use 24 mm*: E15-4W, E20-7W, F30-6FJ, F32-6T Aerotech RMS 24 mm*: E18-4W, F12-3J, F24-7W
|* a 24 mm to 29 mm adapter is needed to use 24 mm motors.
The Pro series of Estes kits is enriched with this great model that returns from the past. Famous in the nineties, the Super Big Bertha is the enlarged version of the famous Big Bertha, one of the best-selling kits of all time.
94 cm tall, with a diameter of 66 mm, the Super Big Bertha flies with Aerotech 29 mm E d F engines, either single-use or reloadable.
This rocket can fly also with Aerotech 24 mm motors, but you need a 24 to 29 mm adapetr like the Estes 24-29 Adapter (not included).
The construction is traditional, with balsa fins made of several parts and cardboard tubes, a real joy for those who love to glue the parts together, sand and color. The kit is completed by a screw-on motor retainel for a quick change of the used motor, and as always it is equipped with decals.
A launch pad with a 6 mm rod such as the Estes ProSeries II or the Aerotech Mantis is required for launching, and a 12-volt electric launch controller such as the Estes ProSeries II Launch Controller or the Aerotech Interlock Controller.
The kit includes:
To build this rocket you need (not included):
Cutter, Scissors, Ruler, Pencil, Aliphatic glue, Masking tape, Fine sanding paper, Spray paints
To launch this rocket you need (not included):


text:
NORTH BRUNSWICK, NJ - Are you ready for some pain au chocolat, stuffed escargot, stepladders, organic veggies, and Brooklyn-baked goods? Salsa music rocked the shoppers waiting on line at the opening of the new Lidl grocery store on Milltown Road in North Brunswick yesterday, as a new business brought life to an old building in a once-vital shopping center in the township. Masks, music, social distancing, bargains, and a welcoming spirit made the opening of a supermarket during a pandemic and especially significant event. In many ways, it was a local and an international event.
The two biggest questions?
*Is Lidl connected to Aldi? It is not. Aldi and Trader Joe's have a family connection, as both are part of the Albrecht family of businesses.
*How is LIdl pronounced? In German, the correct pronunciation is LEE-DUL.
In 1973, the first modern Lidl store opened in Ludwigshafen, Germany. With only three employees and about 500 products, this small store became the foundation of Lidl's far-reaching expansion. During the 1990s, they began opening stores outside of Germany and, within a few years, had stores all across Europe.
Lidl now operates more than 11,000 stores and is active in 32 countries, employing around 287,000 people globally. Their mission is to offer customers the highest quality fresh produce, meat, baked goods and household products at the lowest possible prices.
In June 2015, we established our U.S. headquarters in Arlington, Virginia. Today we sell our award-winning products in more than 95 stores in nine states across the East Coast. (website.)
Things to know about Lidl, North Brunswick:
*The hours are 8:00 am to 9:00 pm.
*After this opening week, as TAPinto East Brunswick was told by a manager, shoppers should bring their own bags. Know that you are responsible for bagging your own groceries.
*The store is brightly-lit and aisles are wide. There was a long line on opening day, as shoppers were practicing social distancing. All customers are required to wear masks.
*The store features many international products and brand with which shoppers may be unfamiliar. Generally, it is a good idea to try some new brands which a lower-priced, rather than paying a top or regular price for familiar brands. For example, if you need to buy Oreos, you may get a better deal elsewhere. If you want to try something new, this may be the store for you. Here is a guide to shopping wisely at a Lidl store.
*Many brands are produced in the country that specializes in that cuisine. For example, TAPinto East Brunswick looked at the labels on Italian food products, all of which were produced in Italy yet packed in Virginia. German sausages and chocolate were made in Germany. The frozen macaron were from France.


text:
Mid-range Gionee X1s smartphone announced
Gionee has yet again announced another smartphone in addition to its series of smartphones.
The tech company made the official announcement of the new device in India and has revealed that it will go on sale come September 21 at about $202.
The mid-range device comes packing some pretty impressive specs for it's class a premium design as featured in the popular Xiaomi Redmi Note 4.
The Gionee X1s comes into the market sporting a 5.2-inch display witj a resolution pegged at 720p. Under the hood, the mid ranger is powered by a quad-core MediaTek MT6737T processor paired with 3GB of RAM and 16GB ROM. The onboard storage memory can further be expanded using a microSD card.
For the optics, the Gionee X1s comes packonf a 13MP sensor on the back panel and a 16MP sensor on the front panel equipped with LED flash and powered by a 4,000mAh battery which comes as a built-in unit.
The Gionee X1s will be available in the Black and Gold color variants.


text: This revitalising eye cream from the Alpine Silk Collection of skincare products utilises the natural emolient qualities of lanolin which comes from the wool of sheep. Alpine Silk Eye Cream is made in New Zealand and contains pure lanolin, placenta and vitamin E. This will benefit the delicate eye area helping to reduce the appearance of fine lines and wrinkles. Apply this eye cream gently around the eye area morning and night and it will rehydrate, soften and moisturise this area of your skin. This cream is white and comes in a tube.


text:
Aviation safety issues and actions
Fitment of rubber, bladder-type fuel tanks to R44 helicopters
|Issue number:
|Who it affects:
|All owners and operators of R44 helicopters
|Issue owner:
|Robinson Helicopter Company
|Transport function:
|Aviation: General aviation
|Investigation Report AO-2012-021
|Issue release date:
|03 May 2013
|Current issue status:
|Adequately addressed
|Issue status justification:
|Manufacturer has made a number of modifications to the helicopter to lessen the hazard and they have placed a time limit on the modifications in an attempt to ensure compliance. CASA has educated the owners of R44 helicopters via Airworthiness Bulletin (AWB) 28-012, titled Robinson R44 Fuel Tanks, issued 26 June 2012.
Safety issue description
A significant number of R44 helicopters, including VH-COK, were not fitted with bladder-type fuel tanks and the other modifications detailed in the manufacturer's Service Bulletin, SB-78 to improve resistance to post?impact fuel leaks and fire.
Proactive Action
|Action number:
|Action organisation:
|Robinson Helicopter Company
|03 May 2013
|Action status:
The manufacturer had initially issued SB-78 on 20 December 2010. On 21 February 2012, following this and the R44 accident at Cessnock, New South Wales (NSW) on 4 February 2011 involving VH-HFH, the manufacturer issued a revision to SB-78, numbered SB-78A. That revision reduced the time frame for compliance with the bladder-type tank fitment from 31 December 2014 to 31 December 2013.
On 15 June 2012, the manufacturer forwarded a letter of offer to all R44 Dealers, Service Centres and Owners, advising them of a financial incentive for them to install the SB-78A fuel tank kits 'on or before 31 December 2012'.
Subsequently, on 28 September 2012 the manufacturer again revised the compliance date with the issue of SB-78B. That revision further reduced the date for compliance to 30 April 2013.
In addition to the manufacturer's bulletins in respect of the requirement to install bladder-type fuel tanks, on 21 February 2012, the manufacturer issued SB-82 relating to the fitment of a 'more rugged, environmentally sealed[sic]' type rotor brake activation switch. The manufacturer indicated that the new switch was less likely to cause a spark in the event of an accident. SB‑82 had a compliance date of 31 May 2012. Owners of R44 helicopters should give consideration to incorporation of this SB.
In conjunction with the United States Federal Aviation Administration, the manufacturer is also examining other methods to ensure greater compliance with the bladder-type fuel tank upgrade.
Proactive Action
|Action number:
|Action organisation:
|Civil Aviation Safety Authority
|03 May 2013
|Action status:
ASA websiteOn 26 June 2012, following this accident and the R44 accident at Cessnock, NSW involving VH‑HFH, the Civil Aviation Safety Authority (CASA) introduced Airworthiness Bulletin AWB 28‑012 titled Robinson R44 Fuel Tanks.[1] That AWB highlighted the improvement in the 'post-crash survivability' of R44 helicopters that had been fitted with bladder-type fuel tanks.
The AWB referred to Robinson Helicopter Company Service Bulletin SB-78 that, depending on the System of Maintenance affecting the individual helicopter, required the fitment of bladder-type tanks to all R44 helicopters in lieu of the all‑aluminium fuel tanks. The AWB also strongly recommended that all operators of R44 helicopters incorporate the additional service bulletins SB67, SB68, SB69 and SB82.
On 19 December 2012, in response to a question from the ATSB, CASA advised that:
CASA has drafted a Notice of Proposed Rule Making(NPRM) relating to a unique Australian Airworthiness Directive (AD) that will mandate the Robinson Helicopters R 44 SB 78B Bladder Fuel Tank Retrofit. Release of this NPRM, expected in early in 2013, is subject to confirmation from the FAA as to their intended actions, which will follow their current investigation.
On 15 March 2013, in response to the draft report into this accident, CASA advised that:
CASA has been liaising with the Federal Aviation Administration (FAA) certification office regarding the subject of mandating the R44 Service Bulletin (SB) SB-78B. The FAA advised CASA that, after analysis of the data, the R44 fuel system crashworthiness does not appear inconsistent with that of other similar helicopters and they will be taking no corrective action.
Robinson Helicopters advised that they brought forward the compliance date for SB-78B for all affected R44 rotorcraft to April 2013. Given this reduced compliance time, CASA issued a letter to all R44 operators recommending the installation of the bladder tanks and highlighting their responsibilities under Civil Aviation Regulation 42A (4). CASA is also taking steps to determine the SB-78B industry take-up rate.
On 3 April 2013, CASA issued AWB 02-044 Robinson R44 Helicopter Maintenance Requirements (Issue 1), which stated in part that:
Registered operators of Robinson R44 helicopters that are maintained using the manufacturer's maintenance schedule are reminded that they must comply with Service Bulletins by their due date. The registered operator will be contravening regulation 41 of the CAR and the pilot and registered operator may also contravene regulation 47 of the CAR if they do not comply with Service Bulletins by their due date.
If the helicopter is maintained to an approved SOM then the SOM must have consideration for compliance with Robinson Helicopter Company Service Bulletins. With regards to Robinson Helicopter Company Service Bulletins mentioned in AWB 28-012, CASA would regard an SOM that does not include these Service Bulletins as deficient.
The full AWB is available on the CASA website: www.casa.gov.au
Proactive Action
|Action organisation:
|US Federal Aviation Administration
|03 May 2013
|Action status:
On 26 December 2012 the US Federal Aviation Administration issued a Special Airworthiness Bulletin (SAIB) alerting R44 owners and operators of the availability of a fuel tank bladder retrofit program for enhanced safety on R44 and R44 II helicopters.
That SAIB recommended that owners/operators of affected R44 helicopters incorporate SB-78B, Revision B, of 28 September 2012.
Safety Advisory Notice
|Action number:
|Action organisation:
|Australian Transport Safety Bureau
|09 March 2013
|Action status:
On 9 March 2012, following this and the R44 accident at Cessnock, NSW on 4 February 2011 involving VH‑HFH, the ATSB released safety advisory notice AO‑2012‑021‑SAN‑001.[1]
In that notice, the ATSB encouraged operators of R44 helicopters to actively consider the installation of bladder-type fuel tanks in their aircraft as follows:
The Australian Transport Safety Bureau encourages all operators and owners of R44 helicopters that are fitted with all-aluminium fuel tanks to note the circumstances of this accident as detailed in this preliminary report. It is suggested that those operators and owners actively consider replacing these tanks with bladder-type fuel tanks as detailed in the manufacturer's Service Bulletin (SB) 78A as soon as possible.
Current status:
Residual risk: Significant
Issue status: Adequately addressed
Despite the availability of the bladder-type fuel tanks to replace the all‑aluminium tanks in R44 helicopters, the number of such helicopters yet to be installed represents a significant residual risk. The manufacturer's emphasis on the safety benefits of the installation of these tanks, and encouragement for their installation by owners and operators of R44 helicopters is supported. Further emphasis on the enhanced survivability likely from the installation by operators of bladder-type tanks in their R44 helicopters has been provided by CASA and the ATSB.
The ATSB will monitor the progress of CASA's NPRM concerning the development of a unique Australian airworthiness directive to mandate the incorporation in R44 helicopters of the SB-78B bladder-type fuel tank retrofit.
Further action by the Australian Transport Safety Bureau
Another low-impact energy accident that resulted in a fatal post-impact fire occurred at Bulli Tops near Wollongong, NSW on 21 March 2013 and involved R44 Raven helicopter VH‑HQH (ATSB investigation AO‑2013‑055, available at www.atsb.gov.au). As a result of this additional accident, and concerns that a significant number of Australian R44 owners and operators were very unlikely to be able to comply with the requirements of SB-78B by the required compliance date of 30 April 2013, the ATSB issued a safety recommendation to CASA on 5 April 2013. That recommendation sought further action by CASA to ensure that owners and operators of Robinson R44 helicopters were aware of the relevant regulatory requirements affecting compliance with manufacturer's service bulletins, and complied with SB-78B to replace all-aluminium fuel tanks with bladder-type tanks on Robinson R44 helicopters.
Proactive Action
|Action organisation:
|Robinson Helicopter Company
|03 May 2013
|Action status:
Following this accident and the identification of a number of other issues by the manufacturer, the following proactive safety action has been advised by the manufacturer in response to the risk of pilots removing their hand(s) from the flight controls:
[The] Robinson Helicopter Company is currently drafting a Safety Notice to emphasize the importance of maintaining control of the helicopter especially in a simple unexpected event, for example; folding or unfolding charts, the sudden opening of an unlatched door or even programming communication/navigational equipment.


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How much do children cost?
Boy did you pick the right week to ask this question. I say this because I've just looked and Tesco has a sale on. I'm kidding. I actually say it because, after reading this article on soaring nursery fees, I've been doing quite a lot research into the cost of raising a child. Read more


text:
Carey Price Montreal Canadiens Autographed White Adidas Authentic Hockey Jersey
Designer: A.J. Sports World
Carey Price Montreal Canadiens Adidas Authentic Pro Hockey Jersey. This Montreal Canadiens Hockey Jersey has been hand signed by Carey Price. Note: This Jersey includes an autograph from Carey Price's rookie season. A.J. Sports World guarantees this autograph with a Certificate of Authenticity and tamper resistant hologram from A.J. Sports World.


text:
Playlist: Money Basics
Where can I cash my paycheck?
See Full Transcript
- A Minute to Learn it - Money Basics
- Using a Bank or Credit Union
- How does a checking account work?
- Virtual Money Management
Now PlayingWhere can I cash my paycheck?
- What types of insurance should I have?
- What do I need to know about Federal Income Taxes?
- What can I do now to prepare for my eventual retirement?
Next PlaylistSaving Money
- A Minute to Learn it - Saving Money
- How to Build a Budget
- What if my Expenses Exceed my Income?
- Make Saving A Priority
- How to Save on Discretionary Expenses
- How to Save on Flexible Expenses
- How to Save on Fixed Expenses
- How to Research Housing Options


text:
Matt Wilson asked about 'awesome web-apps to let customers suggest/vote/comment' on upcoming features.' This gave me the idea to post about ErgMate's in-application feedback mechanism.
In addtion to sending an email to the support mailbox, there are two other ways customers can provide feedback on ErgMate.
The first is through the UserVoice ErgMate Page. UserVoice is a service that allows people to suggest, comment, and vote on features.
The second is through the menu item in the program itself. Selecting 'Send Feedback' on the help menu in ErgMate will bring up dialog box:
This dialog box collects the data and submits it to a php script on the website:
def OnSubmit(self, event):
feedbacktype = self.getFeedbackType()
feedback = self.feedbackText.GetValue()
version = buildInfo.getVersion()
build = buildInfo.getBuild()
params = urllib.urlencode({'t':feedbacktype, 'b':build, 'v':version, 'f':feedback })
f = urllib.urlopen(ErgMateGlobals.feedbackUrl, params)
done = True
# do something rational here
The php script on the website collects the input, urlendcodes it, and adds it to a google docs spreadsheet by emulating a form subission from a form on that spreadsheet. Matt Casperson outlines the method in his blog article 'Submit Data to a Google Form with PHP.
The heart of the php form-submission script looks like this:
$data = "key=p......Q&embedded=true";
$data = $data . "&entry.0.single=" . urlencode($fbtype);
$data = $data . "&entry.1.single=" . urlencode($emversion);
$data = $data . "&entry.2.single=" . urlencode($embuild);
$data = $data . "&entry.3.single=" . urlencode($fbtext);
sendToHost( "spreadsheets.google.com", "POST", "/formResponse", $data );
This will add a row to the spreadsheet:
This mechanism is convenient for the user and simple to implement.


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UFOs UFOs: What are they? In the past fifty years, UFO sightings have shot up in numbers. Now that there are enough witnesses, we can try to find out what or who these UFOs really are. When asked about the incidents, the government would make something up for an explanation instead of telling the truth. Its up to people like you and me to find out what really happened. The number of sightings of UFOs in the United States alone is phenomenal.
Even though it has been determined that many photographs of flying objects, discs, and lights at night have been hoaxes, modern video footage taken by several different people is considered to be authentic. At a Texas airshow, many spectators got video of what was believed to be a UFO in broad daylight (Omni 54). The states where UFO sightings are most prominent are California, Texas, Washington, Oregon, the Gulf Coast States, and some New England States (Ritchie 220). An interesting fact about these areas is that they are on or near the ocean or some other body of water. Although the area is not near a major body of water, the desert in the western states (mainly Arizona, Nevada, and New Mexico) seems to be a leading area in sightings.
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In Nevadas desert, the government is supposedly housing a crashed UFO in a place called Area 51, which may explain some of the sightings. UFOs sighted have many different shapes and sizes according to witnesses. The Adamski Saucer, referring to George Adamskis drawing from a personal experience, is described as a round disk with portholes around the circumference of a dome in the center and three-ball landing gear (Ritchie 3). Another type of spacecraft commonly described is the Saturn Shape. The Saturn Shape has a round circular body bisected by a disk in the middle (Ritchie 183).
Hundreds of people around the world have also encountered UFOs. The countries where sightings are commonly reported are Australia, several Asian countries, Great Britain, Germany, and many other European countries (Ritchie 221). UFOs have even been sighted in space by astronauts. NASAs code name for UFOs is Santa Claus. There are many different types of beings encountered in abductions and sightings. The majority of abductees claim to have seen a humanoid type alien with a large egg-shaped head, long, skinny arms and legs, large blackeyes, and slit-like mouths and nostrils.
Characteristics of other aliens are insect-like features, clothed or unclothed, and hairless bodies. There are a number of documented UFO incidents ranging from abductions to crashes. The following are three well-known incidents in the UFO community: In Roswell, New Mexico, on the evening of July 2, 1947, many witnessed a large lit object streak across the sky and disappear just outside of Roswell. The next day, a local man was driving near town and sighted a huge wreckage. When local authorities arrived, they contacted the federal government.
Within days, the wreckage was cleaned up and those who saw it were told to keep quiet, or else. After the media questioned the government as to what it was, the government replied that it was a weather balloon that had crashed. Many years later, eyewitnesses gave descriptions of the wreckage. They said that the material the craft was made of was like that they had never seen before. Some of it looked like tin-foil but would not tear or permanently crease.
Other material had what resembled hieroglyphics written along the side. Along with the wreckage were three or four small alien bodies. They were completely hairless and were wearing tight-fitting, gray outfits. The pieces of the craft and the bodies were supposedly transported to an army base in Michigan that has very high security. The governments clean up and cover up of the incident was done in a matter of two weeks (Ritchie 178).
Albert Bender, a supervisor at an industrial firm in Bridgeport, Connecticut, has been abducted several times. He said that he can communicate with the aliens using telepathy. The aliens supposedly gave him a disk-shaped object that fit in his hand. When holding the object, they told him to say the word Kazik while his radio was on. By doing this, he could contact the aliens at any time.
Bender also said the alien beings have a huge cavern of ice in Antarctica. When he was taken there, he met a being called the exalted one who was neither male nor female. Again Bender was able to communicate telepathically with the alien. He asked the exalted one many questions, some related to God and spirituality. When asked if God was real, the being replied that God is just something thought up by man, and Christ was just a man who was a follower of this idea.
(Ritchie 27.) The exalted ones hostility toward our God may suggest that the so-called aliens are really demonic creatures trying to deceive humankind. After Benders alleged abductions, he was returned home with the sensation of extreme cold and the smell of burning sulfur. Another incident took place near Levelland, Texas, on November 2, 1957. Several people saw what they described to be an egg-shaped craft illuminated by bright lights fly across the sky and land. Some witnesses encountered the craft while driving.
Their radios would cut out and the cars engines would shut off. Then the people would see the craft lift off the ground and take off across the sky. The car engines would then start up again and the radios worked just fine. The ship was estimated to be two hundred feet long (Omni 47). Hundreds of people have reported being abducted by aliens and experimented on or questioned.
One of those people is Betty Andreasson. She claims she has been abducted several times. One of the first times she was visited, she witnessed the alien beings pass through a wall uninhibited. They took her to another world where she saw a huge area filled with green vegetation and a palace made of crystal. Andreasson also says she saw different types of stalks with no heads and small, pale bodies.
She was also physically probed and examined. Andreasson would then find herself back in her home slightly dazed (Time Life 9). Travis Walton and about six other men were driving out of the woods one night after a day of cutting lumber. They all saw a light glowing behind the trees. When they reached it, it was a large craft hovering in the air. Travis was drawn to it and he started walking toward it. When he stopped, the craft shot a beam of light at him, and he flew backward.
The other men took off, but when they went back for him, he was gone. Eight days later, they found him naked and curled up outside a gas station. Travis said they examined him and took him to a hangar-like room full of capsules with bodies in them. The aliens then left him naked and in the rain until someone found him (Time Life 23). In so many of the abduction cases, people say they were examined and probed by the aliens.
What are they trying to learn about humans? To get detailed descriptions of alien abductions, UFO investigators are using hypnosis to recover the memories of the abductee (Time Life 27). Centuries ago, magicians used hypnosis to amaze and amuse crowds. Now hypnosis is used in crime investigations, therapy, scientific experimentation, and recovering lost memories. Due to the fact that a person under hypnosis is susceptible to suggestion, that persons account of what happened may be a fanciful dillusion, which makes some people unsure of hypnosis credibility. (Ritchie 107). In 1969, the U.S.
Air Force ceased investigation of UFOs and related phenomena. Now it is up to individual people to search on their own without the governments help. When choosing a case to investigate, people usually look for one that has been witnessed by more than one person and has been reported in local media (Omni 48). If a good present-day case cant be found, look for one that took place in the past but has not been solved (Omni 52). Although many books have been written on UFOs, and the phenomenon has been investigated, no one has answered the question Who or what are they? yet.


text:
Blood test for kidney disease
- Creatinine and urea (BUN) in the blood: Blood urea nitrogen and serum creatinine are the most commonly used blood tests to screen for, and monitor renal disease. Creatinine is a product of normal muscle breakdown. Urea is the waste product of breakdown of protein. The level of these substances rises in the blood as kidney function worsens.
- Estimated GFR (eGFR): The laboratory or your physician may calculate an estimated GFR using the information from your blood work. It is important to be aware of your estimated GFR and stage of chronic kidney disease. Your physician uses your stage of kidney disease to recommend additional testing and suggestions on management.
- Electrolyte levels and acid-base balance: Kidney dysfunction causes imbalances in electrolytes, especially potassium, phosphorus, and calcium. High potassium (hyperkalemia) is a particular concern. The acid-base balance of the blood is usually disrupted as well. Decreased production of the active form of vitamin D can cause low levels of calcium in the blood. Inability to excrete phosphorus by failing kidneys causes its levels in the blood to rise. Testicular or ovarian hormone levels may also be abnormal.
- Blood cell counts: Because kidney disease disrupts blood cell production and shortens the survival of red cells, the red blood cell count and hemoglobin may be low (anemia). Some patients may also have iron deficiency due to blood loss in their gastrointestinal system. Other nutritional deficiencies may also impair the production of red cells.


text:
I hope you're doing ok. I lurk here a lot, I don't make many contributions but I miss seeing yours...
I was just as shocked! I go to Wikipedia and type in "2014 Deaths" every few days (I'm morbid like that) and there was his name. Wish I knew the details of his death, hopefully it will come out in a few days. Probably offed himself, the coward. I'm pretty surprised there's not much information about this case in the forum, guess I better get busy...lol!
Hey, I just saw where you mentioned Alan Blackthorne being dead. I had no idea! There was a new episode of a crime show about the case just a few weeks ago, I can't remember which show it is. I shocked to find out he is dead!
Of course you've been missed silly! I'm glad to hear that everything is going so well for you and I look forward to you posting with us when things settle down for you again. Thanks for the message!
Aww Mammy, bless your sweet heart, I didn't even think I would be missed! In all actuality, I didn't expect 2013 to get so busy! I'm being promoted, moving at the end of this month, and started dating a romance author (we even share the same birthday) but hopefully will be back around May. How have you been???
Dang, Dang, I haven't seen you on here forever! How are ya?
Mammy, thanks for that. I know we all say "it was such a horrific crime" to a lot of the things we read in here because they are, but passing that bagel shop every day for 2 years just made it more real, and will always make me remember. I am also thrilled to have you as a friend!
I'm glad you started a thread for Lisa, Jayden, and Marleigh. Such a sad and brutal crime and just senseless. I can't believe I've never thought to look for a thread about them on here.
And I'm a few hours late... but hope yours was a good one!
I'm a few hours early, but Happy Thanksgiving!


text:
Aon's 2011 Global Risk Management Survey, conducted with a group of 1 000 business professionals in 58 countries, recently revealed that failure to attract and retain top talent ranks as the seventh highest risk in business today.
As many as 60 percent of respondents reported that they do not have a plan in place to handle this risk and only 4 percent shared that they are seeking outside support for recruitment and retention strategies.
Natalie Maroun, chief strategist and senior partner of LRMG, believes that in the South African workplace, talent will continue to climb the risk list as a result of the growing Talent War both locally and internationally. Maroun says there are a number of factors contributing to this, including globalisation and migration, the 'moving target' nature of talent, gender inequality and the difficulties around defining talent.
In terms of 'globalisation and migration', it is a common perception in South Africa that the white population makes up the majority of our brain drain. However, the national BratTrax study in 2010, conducted by Youth Dynamix, showed that 42 percent of black teenagers between 13 and 15 are disillusioned and plan to leave as soon as they can. Only 33 percent of white and Indian youth plan to leave. Major reasons contributing to this desire to leave include the lack of employment opportunities in South Africa, high crime rates and according to 73 percent of respondents in the BratTrax study, the government not living up to its promises. "Since our youth are the future of our country, we should be alarmed by these statistics," says Maroun.
The question is what do we do about this impending crisis? Maroun believes that it is both up to government and the private sector to encourage South African talent to remain in the country.
She says government needs to improve existing policies and reforms that encourage business opportunities and possibilities. "Government's responsibility is not to create jobs, but rather to facilitate a climate in which businesses can grow and thrive," she says. In terms of the private sector's responsibility, Maroun believes that it's the role of companies to create jobs. "The private sector should create opportunities for our youth and should be able to assist in career stability and progression for experienced and talented workers. If we are to halt the movement of top talent out of our country then government and private sector should be held accountable for delivering on their role expectations," says Maroun.
A further issue contributing to the movement of top talent is gender inequity. This will remain a reality in South Africa as long as highly capable women are treated differently to their male counterparts in behaviour and compensation. Because of this, many women feel forced to move to areas where they are treated more equally and fairly. "We need to address gender inequity seriously and immediately otherwise it will continue to create instability in talent retention if left unaddressed."
Apart from the increase in talent migration, what adds to the risk of losing talent is the changing definition of talent. According to Maroun, what is considered talent today may very well be outdated tomorrow. What this means is that organisations need to be building robust approaches to attracting and developing talent that stands the test of time. Talent of the future will be truly diverse; leadership styles that worked in the past will no longer be as effective in the future. They will need to be digitally confident integrators who can manage diversity of thought and work styles, and who have the ability to craft a higher purpose and build sustainable and inclusive models of growth for the business. Managers and leaders who have the foresight to see this and adapt their styles will be the ones who will be successful in the future.
She says it's time for a change in strategy. "Organisations are finding it increasingly difficult to maintain specialised talent as knowledge and industry are changing so rapidly. Leaders should be focussed on attracting knowledge workers who are capable of rapidly acquiring knowledge and skill, and converting it into meaningful performance. Once the business has attracted these people, it needs to ensure that it keeps its finger on the pulse in terms of understanding what it takes to retain them at all cost."
The final contributor is that talent as a concept is difficult to define. This causes instability and confusion in Human Capital Management departments that are tasked with attracting and retaining top talent. "How can they fulfil this task if they don't know what talent is to begin with?" Maroun asks.
According to Maroun, a solid departure point in terms of defining what talent is, is Marcus Buckingham and Curt W. Coffman's excerpt on how great managers see talent. In their book First, Break All the Rules, they state that talent [is] a recurring pattern of thought, feeling or behaviour that can be productively applied. And, therefore, every role performed at excellence requires talent because every role performed at excellence, requires certain recurring patterns of thought, feeling or behaviour.
"While there is no silver bullet or quick fix that will see our talent risk corrected overnight, we will experience a vast improvement should government and the public sector begin to work together to stabilise the environment and create job opportunities. In addition, if we can get gender equity right and find ways to define what our talent is, we will make significant progress in attracting and retaining it.
If we don't do anything, we can expect to see talent attraction and retention risks remaining as is, or even becoming worse in South Africa – a country that is filled with some of the most highly talented, motivated and skilled people in the world," she concludes.


text:
Yesterday marks two years since the day of our very first meeting! Thanks to everyone who's been involved, whether you were here from the beginning or you've just started. Here's a timeline of some of the events and projects we've worked on during our second year as a student group.
October 24: Betsy Harasek, J.D., gives a talk entitled "From the Bad to the Not So Bad Days for Women in Science", about her career as a chemist and patent lawyer.
November 13: Amy Cuddy visits to give the Danz Lecture for the UW Graduate School Public Lecture Series, after being nominated by WCS last year. We co-sponsored her visit and got to spend some time with her learning about power poses.
December 5: Shoshanna Barnett, a graduate student in the chemistry department, leads a very informative discussion about pregnancy during graduate school.
February 13: Elaine Klein, a graduate student in the College of Education, gives a talk about "Equity-Based Approaches to STEM Research and Education".
March 15: WCS members lead a workshop at the Seattle Expanding Your Horizons conference for middle school girls. We solved a mystery involving a chemical spill in Lake Washington, using ink chromatography, pH measurements, and metal salt precipitation tests.
March 28: WCS hosts a panel discussion on "Managing Up: How to Get the Most from Your PI" featuring Emma Williams, Associate Ombud; Susan Terry, Director of the UW Career Center; and Kelly Edwards, Associate Dean for Student & Postdoctoral Affairs.
April 23: Professor Alexes Harris, of the sociology department at UW, leads a discussion: "It's Not Just You! A Workshop on Imposter Syndrome."
May 23: WCS members Addie, Scott, and Joan, who are developing a mentoring toolkit for students and PIs, lead a workshop on "Fostering Communication Between Graduate Students and Advisors."
June 18: Meghann Gerber, PsyD and licensed psychologist, leads "Managing with Mindfulness: A Meditation and Mindfulness Workshop."
June-September: WCS members read and discuss the book "Whistling Vivaldi: How Stereotypes Affect Us and What We Can Do" by Claude Steele.
July 27: In the first WCS summer outing, organized by Joan, WCS members go canoeing in the UW arboretum.
August 12: The Graduate Student Symposium, organized by a committee that includes several WCS members, takes place at the ACS National Meeting in San Francisco. The committee invited speakers, fundraised, advertised, and hosted a symposium with the theme "International Collaborations with International Impact: Chemistry for Global Change."
October 2: Jen Self, of the Q Center, leads a discussion called "Gender Diversity: Beyond the Binary."
Thanks to everyone who participated in these activities, especially those who helped plan and organize so many cool events! Year three promises to be even more awesome, with a number of talks and workshops already scheduled, plus more outreach.
Our first event of the new WCS-year features Professor Christy Haynes of the University of Minnesota, this Tuesday (meeting and discussion at 9:15 am in CHB 439; seminar on "Proving 'Them' Right: Pursuing Chemistry as a Career" at 10:30 am in CHB 102 with refreshments provided). We hope to see you there!


text:
Get the latest tips & apps for your Smartphone
Mobile Roar Podcast 41: Chris' Galaxy S Fail
Android Phone Fans Joe Fedewa Apr 18, 2014
Android Phone Fans Apr 18, 2014
Joe Fedewa Apr 18, 2014 Read Source
Apr 18, 2014
Despite all of our warnings, Chris still went out and bought a Samsung Galaxy S5. How does he like it? Let's just say if you've got a HTC One M8 to trade he is interested. Listen to him rant about how much he hates it, and listen to us say "we told you so!" We also talk about some of the weirdest phone names to ever exist, Google's awesome new camera app, Wins and Fails of the Week, and our App Picks.
Big News
- Chris and the Samsung Galaxy S5 (Review)
- Our favorite weird phone names
Quick Hits
- Frontback for Android
- Golden LG G3 with crazy resolution
- Samsung making Android Wear watch
- Windows Phone 8.1 available for dev preview
- Leaked Amazon phone with 3D, will be announced by June
- Yahoo wants to be default search for iOS
- Apple adding built-in Shazam song identification for iOS 8
- Project Ara $100K developer challenge
- Google Glass goes on sale for a day and nobody bought it
Wins and Fails of the Week
- Kevin: 3rd party manufacturers upgrading old hardware to CarPlay, aftermarket units incoming / Galaxy S5 fingerprint already "hacked"
- Joe: Cortana rocks / Facebook removed Most Recent from Android app
- Chris: Google Camera / Glass XE16 update
App Picks
- Kevin: Milk Music
- Joe: QuizUp
- Chris: Google Camera
Follow Us
- Joe Fedewa (@tallshmo)
- Chris Chavez (@gamercore)
- Kevin Krause (@youdontknowkev)


text:
|Flower Colors:
|yellow, purple, patterned, brown
|Flower Season:
|mid summer
|Life form:
|summer rain climate
Alophia drummondii (Graham) R.C.Foster or the pine woods lily grows in moist sandy soils in grasslands and open pine woods in the southern United States south to Mexico. Temperatures tend to be very hot and humid in the summer, with relatively lower amount of rain in the winter and almost no frost. It has violet-maroon flowers with brown, yellow, and white markings and blooms in summer. It can be grown from seed to flowering in one to two years. Photo #1 by Mary Sue Ittner. And blooming on another day, photos 2-4 by Bob Rutemoeller showing the front and the back and a very unusual view of the side. Photo 5 by M. Gastil-Buhl shows seed from PBS BX 323 #25 on a 1 mm grid.


text:
2:11, 12 Echoing the promise to Abraham (Ge 12:3), many nations will join themselves to the Lord (cf. 6:15; 8:20–23; Is 2:2–4; 56:6, 7; 60:3). But this will not alter God's choice of His people, they will still be "His portion in the holy land" (cf. Dt 32:9).
MacArthur Study Bible
2:11 The nations too will come and join themselves to (enter covenant with) the Lord in that day (see Isa. 56:3–5; Jer. 50:3). The result will be Jews and Gentiles together in one nation, my people, with the Lord dwelling in their midst (cf. Eph. 2:13–16).
ESV Study Bible
2:11 on that day Refers to the day that Yahweh returns to Jerusalem.
they will be my people The Israelites were the original people of Yahweh, the nation He redeemed from Egypt (see Exod 3:7; 5:1; 6:7). This verse proclaims that foreigners have the same opportunity to become the people of God. See note on Jer 30:22; note on Ezek 11:20; compare Zech 8:7–8.
The covenant formula (Lev 26:12) that had reflected Israel's special relationship with Yahweh will one day be extended to include all nations. Prophetic oracles of restoration often hinted at Yahweh's plan for future rule of the nations where the nations would also worship Yahweh in Jerusalem (e.g., Isa 56:6–7). See Isa 2:2–4; note on Zech 2:2.
Faithlife Study Bible
2:11 many nations. The extent of the vision transcends anything the Jews could accomplish in their day. The vision captures a time when salvation will not be limited to the Jewish nation but will extend God's grace to the world. That day has come in Christ's inauguration of the kingdom of God.
Reformation Study Bible


text:
SMC Detailing
Being passionate about cars and having an Eye for detail could only lead to
one thing. So I decided to set up my company SMC Detailing.
SMC Detailing offers vehicle detailing, ceramic coatings and paint protection film installation aswell as a mobile cleaning service to carry out maintenance cleans after the detailing work is complete to ensure the best possible life of the car thereafter.
From new car preparation to full restoration detailing work. There is no limit to what can be achieved in transforming vehicles with a vast connection to other sectors including interior and leather repairs, wheel refurbishment, exterior customisation, paint repairs and also mechanical and tuning connections.
SMC can truly offer a one stop shop in taking care of any vehicle. Either drop your car off and have peace of mind your car is in the right hands or we can arrange the covered transportation of the vehicle to and from us to ensure that the vehicle arrives to you in the same condition it leaves the inspection bay.
My passion
creates your joy..
Vehicle Valeting
proven safe methods and techniques to ensure a thorough clean whilst maintaining
safety in keeping all surfaces inside and out in the best possible condition.
A spa day for your vehicle, starting with an intense and thorough wash down process which includes engine bay, arches and wheels before using PH neutral products to cleanse the paintwork including using a two bucket method wash down to ensure risk of wash damage is kept to a minimum.
Once rinsed down the vehicle is chemically decontaminated removing bonded contaminates like Tar and rubber and tree sap before physical decontamination in preparation for machine polishing.