text:
Losers who never knew in the switch to single-tier pensions
The move to a simplified state system will benefit many in their retirement but a change in which some people will lose out has gone under the radar
Friday 10 January 2014
Under major reforms of the state pension, the current complicated arrangements where different people qualify for different amounts will be replaced with a single payout from April 2016. But while the new approach will benefit many, a particular group of people will lose benefits worth up to £23,000.
Those likely to be hit most will be individuals retiring in the financial year 2016-17 who were "contracted out" of the state earnings-related pension scheme (Serps) between 1978 and 1988 and who were members of final salary or other "defined benefit" schemes. In total, a million or more people could find themselves adversely affected by this issue.
Although the Department for Work and Pensions (DWP) says it has "published a raft of technical papers" on the switch to the so-called single-tier pension in 2016, few are aware of this particular change. Neither the GMB nor the ATL teachers and lecturers' union, for instance, knew of it until briefed by Your Money – even though they are in regular contact with the DWP.
Deborah Cooper of the actuary Mercer said: "I am sure some people are aware of it, but as the effects of the changes are quite complicated to model, perhaps not as aware as they should be."
The danger, then, is that the issue will go largely unquestioned and be accepted, almost by default, even though some individuals will probably miss out significantly.
"That could be a big deal for those affected," said Phil McEvoy, national pensions officer at GMB, as he digested the implications. But he knows that opportunities for renegotiation are all but spent since the Pensions Bill – which sets up the new pensions structure – is close to the end of its passage. And Suzanne Beckley, pensions policy adviser at the ATL, feels unions have to be pragmatic in their negotiations. "We recognise there will be winners and losers," she says. "We find ourselves fighting on numerous fronts and deciding where to put our energy."
What is particularly difficult about this issue is that very few individuals know enough about pensions to understand it. The problem is that the new single-tier pension – worth a maximum of £145.40 a week in today's money – will replace all the different strands of state pension that we have had in the past. Specifically, people who had entitlements built up between April 1978 and April 1997 under the old Serps system have some of that entitlement paid by the DWP. This means that anyone who reaches state pension age before 6 April 2016 will still receive that entitlement for the rest of their life, but those arriving at state pension age on or after that date will go without the increases. Actuaries at Mercer have calculated that the worst-hit women will lose benefits worth £23,000 and the worst-hit men will miss out to the tune of £17,000. The figures are higher for women as they live longer – and so receive pensions for longer – and also because they used to accumulate state pension rights over a shorter period than men.
People who contracted out might even have been unaware that they did so, as many employers did this en masse for their staff. Contracting out meant they left the state system for the purposes of building up an additional state pension (they remained part of the system for the basic state pension). To encourage them to opt out, the Government reduced annual national insurance (NI) contributions. The current NI reduction levels are 1.4 per cent for employees and 3.4 per cent for employers.
Having contracted out, members of defined benefit schemes built up the same amount of additional pension as they would have had they stayed in the state additional scheme.
However, the Government was eager to ensure that they never ended up with less additional pension than they would have had in the state scheme. The portion of the pension that was equal to what they would have earned in the state scheme was labelled the guaranteed minimum pension (GMP).
Strict rules were set down to ensure that, from the date of retirement onwards, the GMP would be increased each year in line with inflation for people who had been members of a defined benefit scheme. Some of those increases – particularly those relating to service between 1978 and 1988 – are borne by the DWP, rather than the pension scheme. It is these DWP-paid increases that will be lost after 6 April 2016.
The people most likely to be hit are those who, probably aged 56 and over, have been contracted out in such schemes. These will be teachers, police officers, nurses, doctors and others in the public sector, as well as many in the private sector. The difference that the increases make can be quite significant over time. For instance, Chris Thompson, who used to work in financial services, and who retired in 2005, says he used to get £6 a week for his GMP pension. Since then it has risen to £25 a week. It was Mr Thompson – probably one of the UK's leading state-pension experts – who alerted Your Money to the issue. He is concerned that people, especially those on low pensions, will be caught unawares. "People can't work out what is happening," he said. There is no booklet, for instance, explaining this change.
The calculations from Mercer show how much high earners (with incomes the equivalent of about £50,000 today) could lose for the decade from 1978 to 1988. In total, about 9 million people were contracted out into defined benefit schemes in this period, but the extent to which they lose out varies according to their earnings in those years and their retirement date. Because of the way the new system is designed, people in this group who retire after 2020 are far less likely to be disadvantaged.
If they had also been contracted out from 1988 to 1997, high-earning women could lose another £1,100 and their male counterparts £800. The figures are lower for the second period because responsibility shifted to occupational pension schemes to pick up most of the inflation increases. These schemes will continue to pay their share of the inflation rises.
The picture is brighter for people who have a gap between 2016 and their retirement date as the new system will allow them to build up other entitlements that will compensate.
"You wouldn't have to do anything," said Sally West at the charity Age UK, explaining that the new entitlements will accrue automatically without individuals having to apply for them.
Looking at all pensions, contracted out or not, the DWP has calculated that "over 70 per cent of pensioners by 2020 are [set to be] receiving on average £4 a week more than they would have under the current system".
However, the particular problem outlined here is the price that will be paid by a minority of people so we can all move gradually to a fairer system.
Ms West welcomed the clarity of the single-tier approach. "One of the reasons for moving to the new system is that it will be clearer what people will get," she said. But the transition will be confusing for many.
Case study: 'Andy'
Andy groaned when the impact of the change was explained to him – even though he will not be affected as he reaches state pension age this April.
"I think it's very important," he said, imagining how someone born two years after him would be affected. "The price of food is a serious concern. Utility bills go up all the time."
A professional who is now on disability benefits and who lives alone, Andy (not his real name) knows what it is like to live on a tight budget. The mention of pensions makes his stomach turn even though he can count himself lucky on the particular issue of the inflation increases and the additional pension. "There's a slight touch of the toad beneath the harrow," he said. "I've got a terrifying feeling that I'm not going to get a good pension at all."
He has a friend – a single professional who is still working – who will retire two years after the change. Is Andy worried about him? "Wages have been dropping and it's a cliché to say that people never make adequate provision. But I don't think he understands; he believes that you can live very well. His rather nice car is going to be the first thing that goes. Holidays go.
"We're single men so replacing the audio/visual is a big priority. And then there are the white goods. A computer is absolutely vital. Generosity with your friends – giving retired friends your old computer – is going to become de rigueur."
Not wanting to fall into despondency, he said: "OK, I've got to look on the bright side: I'm not living in Syria."
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Lotus E22 passes mandatory FIA crash tests
With mass speculation surrounding Lotus and their future following confirmation that they won't be at the first test of the season, some good news has come out of Enstone. The team confirmed on Thursday that the E22, their 2014 car, has passed all mandatory FIA crash tests, signalling that the car is nearing completion. Passing the 13 tests means the chassis can be homologated and can now partake in pre-season testing, though it doesn't change their plans. The car is set to be unveiled sometime between Jerez and the first test in Bahrain which kicks off on February 19th. Speaking about the E22, team co-owner Gerard Lopez hinted that it might feature an interesting concept. "We are very...
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text:
Bringing the Hallmark brand into B2B e-commerce
95% of the orders at Hallmark Business Connections are processed online, CEO Tressa Angell says.
Bringing the Hallmark brand into B2B e-commerce
95% of the orders at Hallmark Business Connections are processed online, CEO Tressa Angell says.
The web grows 20% for Yoox in the front half of 2015
In its last earnings report before its expected merger with Net-A-Porter, Yoox reports good results for web sales overall and a stellar performance from ...
Sign up for IRNewsLink and get daily reports delivery to your inbox. Sign Up Now
Sponsored by 2013 Social Media 300
App users can back up photos, order prints and create personalized gifts.
Nearly half of all images taken by U.S. consumers in 2013 will be captured on a mobile phone, according to the InfoTrends U.S. Personal Photo Activity Forecast. Shutterfly Inc., an online retailer of personalized photo products and services, is seeking to capitalize on this shift in photography with a new mobile commerce app for iPhones. The free app combines photo storage, viewing and photo gift creation in one place.
A Shutterfly app user can create a personalized gift in minutes. The app asks permission to link to the user's Photos section of her iPhone. She then chooses a photo and can see an instant preview of the photo on any of the Shutterfly app's 30 gifts such as smartphone cases and wall art.
"At Shutterfly, we understand the importance of celebrating life's everyday moments, and we know mobile photography continues to be on the rise," says Heather Maddan, Shutterfly's "chief storyteller." "Shutterfly's new iPhone app will allow customers to take photos from their iPhones and easily share them with loved ones and create prints, photo gifts and lasting memories."
With the new app, Shutterfly customers with iPhones can:
The Shutterfly iPhone Photo App is available for free in Apple Inc.'s App Store. Shutterfly is No. 53 in the Internet Retailer Top 500 Guide.
My first Amazon Dash Button was delivered yesterday. My first order placed with it will ...
Posted 07/31/15
There are many types of content specific to a brand that can set that brand ...
Posted 07/30/15
If there's something you've bought offline that you weren't able to buy online, we're probably thinking about that."


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Expert Web Developer / PHP, MySQL, Codeigniter, Javascript
Georgia - Last active: 4 months ago - Tests: 5
More than 7 years experience in WEB development and System Administration.
ASP.NET, MVC3, MVC4, C#, MSSQL, MySQL, ExtJS 3.4, ExtJS 4.1, JQuery
Ukraine - Last active: 3 months ago - Tests: 17
Expertise in several programming languages and seven years of experience in software development, are the major factors, which would help me in making worthy contribution towards the growth of the your business.
Ruby on Rails/AngularJS/Ionic developer
Russia - Last active: 17 hours ago - Tests: 6 - Portfolio: 3
_ I am a passionate Ruby on Rails/JavaScript programmer and analyst working through TDD and BDD. I have 4 years of experience in developing web applications. My main skills are Ruby on Rails, Sinatra, CoffeeScript. In my projects I've used JS Frameworks like Backbone.js and AngularJS. I have big experience in creating mobile applications based on Ionic Framework. I am good in both HTML5 and CSS3. I've been working on Responsive and Flexible layouts. I have been working with much count of databases including relational, document oriented, graph databases. For example: MySQL, PostgreSQL, MongoDB, Neo4j etc. I pay great attention to provide regular communication with my customers being online as long as possible every day. While I work on a project my main task is providing great fast flexible software and make my client be happy with the results.
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Russia - Last active: 12/11/2010 - Tests: 4 - Portfolio: 3
I'm IT geek and from 2004 I developed a huge amount of various software products and services. Most of all I'm experienced in Product and Project Management, Ruby and Ruby on Rails development and Linux administration. If you need a man to solve tough technical or architectural problems you are welcome.
Full Stack Web Developer
Ukraine - Last active: 2 days ago - Tests: 8 - Portfolio: 7
I have consistent experience of 6+ years in Web Development. And overall experience with Internet and PC more than 20 years. My first site I've created 15 years ago. I have following knowledges & experience: Front End development: • Pure HTML & CSS responsive design coding (using media queries, etc.) • Coding responsive HTML layouts using frameworks Zubr Foundation and Twitter Bootstrap • Using popular components: sliders, carousels, etc. Possible to make modification in design and in workflow. • Pure JavaScript coding (Vanilla JS), and coding using jQuery, jQuery UI. • Coding jQuery plugins (multi-instance and accessible by element after init) • RegEx, Ajax, JSON, XML. Back End development: • PHP coding • Wordpress: plugins, templates, experience with coding themes for Theme Forest • MySql, PostgreSQL, Sqlite databases • HTTP protocol - requests, responses, headers, codes, mimes • Laravel Framework, Kohana Framework, Codeigniter Framework • Prestashop, Joomla (templates), Magenta (templates) • Experience with custom hand-made CMSs • Developing RESTful Web Services API (XML, JSON) • Composer and Packagist for project package dependencies • Experience with popular social networks API (Google, Youtube, Twitter, Facebook, Vimeo, Instagram, Vine) • Knowledges in different payment system APIs (Paypal, Stripe, Fastspring, Webmoney, Yandex Money, LiqPay) Additionally I have experience in following: • Linux based OS server administration • Apache, Nginx, SFTP, PHP-FPM secure virtual hosts server configuration • Photoshop - experienced user • Android Java applications development (some basic knowledges, several app developed, just to enlarge my scope, not my main area) • Delphi development for Windows (some experience, but was long ago, not my main area)
- psd to html
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Groups: Coding Champs
Associated with: AZELAB
Russia - Last active: 2 days ago
Linux system administrator / Ruby on Rails developer
Web Application Architect / PHP - Symfony Specialist
Romania - Last active: 10 days ago - Tests: 2 - Portfolio: 5
- Full stack web application developer / web application architecture - IT consultant specialized in enterprise web application development using PHP frameworks(Symfony, Zend, Propel, Doctrine) and Javascript frameworks (AngularJS, JQuery) - SPA, SAAS architecture and modern design patterns evangelist - User and supporter of Open Source Technologies - Debian Linux fan & promoter - Experienced in SEO/SEM (Search Engine Optimization/Search Engine Marketing) and building SEO/SEM tools - Data wizard - integration of 3rd party data systems (requesting/parsing/deploying data) - Well-versed in Internet Marketing tactics and online advertising - Huge fan of XP (Extreme Programming) philosophy and Agile Development practices Specialties: Programming languages(and related): - PHP ✔ - PL / SQL ✔ - HTML5 / XML ✔ - CSS ✔ - JavaScript ✔ - Shell scripting ✔ Frameworks: - Symfony ✔ - Propell ✔ - Doctrine ✔ - ZendFramework ✔ - AngularJS ✔ - JQuery ✔ - AutobahnJS ✔ Platforms and technologies: - Ajax ✔ - Web Sockets ✔ - MySQL ✔ - PostgreSQL ✔ - MongoDB ✔ - SVN / CVS ✔ - Apache ✔ - REST / SOAP / XML-POST / XML-RPC ✔ - CMS/BLOGS(Wordpress) ✔ - PayPal SDK and API integration ✔ - Linux(Debian, RedHat/Centos, Ubuntu, OpenSuse) ✔
- MySQL Administration
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- MongoDB
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Associated with: AtomPulse Works
Android expert
Ukraine - Last active: 1 month ago - Tests: 2 - Portfolio: 4
My main goal is to work on interesting projects that have positive impact on the daily life. In the past years working as Android programmer. My android applications: https://play.google.com/store/search?q=oleg%20bondarenko
senior IT professional
Czech Republic - Last active: 12/04/2014 - Tests: 4 - Portfolio: 1
major skills: ‣ network TCP/IP (IPv4, IPv6), routing, firewall, VPN, monitoring systems ‣ VMware (architecture, management & deployment) ‣ UNIX operating systems (Debian, Ubuntu, RHEL, CentOS, OS X) ‣ Apache, Nginx, Tomcat, Icecast, BIND, Zabbix, Nagios ‣ SQL technology (MySQL, MS SQL) ‣ clustering, HA ‣ programming languages PHP, JavaScript (Node.js), Perl, BASH ‣ HTML, CSS, Adobe Photoshop ‣ VCS systems (GIT, CVS) ‣ SAN EMC CX/VNX class management
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Major strengths include responsibility, excellent communication skills, competent, strong team player, diligence, attention to detail. 4 years experience in development of web-applications on PHP.


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I ran bloods a while back on medlab's test e and my numbers came back amazing at only 300 MG per week. Mace hit me up last week wanting to get the new test c 500 MG by medlab checked with bloodwork....
Type: Posts; User: psychowhite; Keyword(s):
I ran bloods a while back on medlab's test e and my numbers came back amazing at only 300 MG per week. Mace hit me up last week wanting to get the new test c 500 MG by medlab checked with bloodwork....
Pinned 1.5 ml of the test base into left quad. Took me a bit and was able to start workout 2 hours and 15 minutes after inj. noticed a nice increase in drive. Only downside was the bit of pip the...
Basicstero sent me out a sample pack to review the products and service.
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What was your score?
Just got blood work 3 days after last pin on 780 MG test e. Just a little over what you are running and I was at 4700 total testosterone. Yours is by far under dosed.
Relax guys, he posted on asf he has all the info and will be sending out this week. it takes time to do multiple giveaway promos on several boards he sponsors on.
Males too? I'm down
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2015 Hyundai Sonata Eco — another competitor in the midsize sedan field.
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Cycling legend and cancer survivor Lance Armstrong attends a rally at a news conference at Children's Hospital in Los Angeles on May 11, 2012 in favor of Proposition 29, a measure on the June 2012 California primary election ballot that would add a $1-per-pack tax on cigarettes. (AP Photo/Reed Saxon)
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Hamilton, Ontario
The Golden Greeks
Canadian Wrecking Crew
Hamilton Wrecking Crew (in Canada)
Luke Brown & Dutch Savage
Don Curtis & Abe Jacobs
Whipper Billy Watson & Bill Soloweyko
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Ron & Don McClarity
Tolos Brothers - OWW
Lilian Garcia leads a ten-bell salute for The Hot Rod. Roddy Piper's music starts playing as we go to a tribute video.
Roddy Piper's greatest interview segment ever
Paige to appear on Steve Austin's podcast tonight
Jimmy Snuka health update
CAC honoree mentored Ronda Rousey
This week's ClickWrestle Match of the Week is Cherry Bomb and Kimber Lee vs. Leva Bates and Veda Scott from April 12, 2014.
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Visit our partner sites: Cauliflower Alley Club, ClickWrestle: Wrestling on Demand and Diva Dirt.
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WWE Monday Night RAW 8-3-2015
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The 'N' in IBD's CAN SLIM investment system feature aims to focus squarely on these aspects of potential leaders. It works to catch them early in a turnaround, soon after they turn profitable or when a groundbreaking product is released. The section then tends to track the stock throughout its ...
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The Zacks Analyst Blog Highlights: Guess', Red Robin Gourmet Burgers, Hanesbrands and ULTA Salon, Cosmetics & Fragrance
Big 5 Sporting (BGFV) posted second-quarter 2015 earnings results.
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Gwyneth Paltrow is taking on the beauty industry from behind the scenes, and she's doing it the only way she knows how: organically.
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The Break-up Repair KitPaperback
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- Publisher: Conari Press,U.S.
- Format: Paperback | 170 pages
- Dimensions: 132mm x 175mm x 15mm | 181g
- Publication date: 15 January 2004
- Publication City/Country: Berkeley, CA
- Edition: 1
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Product description
Breaking up may be hard to do, but with The Break-up Repair Kit, breaking up can also be a lot of fun. Packed with activities, inspiration, advice, and even recipes, The Break-up Repair Kit is like a wise- and hilarious- girlfriend who can help anyone get over him and get a life. Whether you're the dump-er or the dump-ee in a former relationship, authors Kamins and MacLeod help you get over your broken heart, get it together, and get back in the game. In "The Mourning After" the authors help the heartbroken deny denial and indulge in how sad and mad breaking up can be. They give readers permission to cry themselves a river. Readers learn how to nurture and take care of themselves after a break-up with "Fatigue Fighters"- activities that help fight off depression such as eating well and often, moving that beautiful body, and sleeping the sleep of the innocent. Readers also follow recipes that mend the broken heart, including making the perfect pretzel and cleansing the entire body with a homemade pumpkin scrub. "Rebuild Your Life" is all about getting ready to leave the house again and taking yourself on a date. Eating alone at a nice restaurant is actually pleasant. "Back in the Saddle" helps readers identify rebound relationships and explore their idea of Mr. Perfect as they look forward to dating again. A "When You Know You're Ready" checklist helps readers find out whether they're ready to start dating. And when they do get back in the saddle, readers learn the power-and fun-of dating themselves while dating him. For teenagers to recent divorcees, The Break-Up Repair Kit offers timeless advice on how to build a life that is powerful, beautiful, independent -- and attractive to the Next Guy.
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Bookings at the Hardin County Detention Center 9 p.m. Friday through 5 p.m. Sunday.
Bookings at the Hardin County Detention Center from 5 p.m. Thursday through 5 p.m. Saturday.
Dennis and Brenda Decker of Elizabethtown will celebrate their 50th wedding anniversary July 17, 2015.
They were married July 17, 1965, in Leitchfield.
Mr. Decker is retired from Frito-Lay where he worked for more than 34 years. He spends his time tinkering with cars, farming and active with the grandchildren.
Central Hardin High School graduate Zach Alexander began Ocean City a couple years ago as a one-man music project.
Since then, Ocean City's population has quintupled.
Last year, Ocean City grew to include Alexander's older brother, Nick, as well as Tommy Hill, Brady Haynes and Connor Brown, all Central Hardin graduates.
Bookings at the Hardin County Detention Center from 5 p.m. Wednesday through 5 p.m. Thursday.
Steven Dearhie, 40, Elizabethtown, first-degree, first offense possession of a controlled substance (methamphetamine); possession of drug paraphernalia.
Quetashia Ditto, 25, Radcliff, non-payment of fines; failure to appear.
What if we proactively ask questions about our health and well being? Sounds strange questioning doctor's recommendations, especially when considering antipsychotic drugs treating mental conditions.
The following marriage dissolutions have been granted in Hardin Circuit Court.
Jason Robert Eskritt, 37, Radcliff, and Adama Imoinda Abramson, 29. Married two years.
Anthony Daniel Meredith, 54, Rineyville, and Debbie Lynn Elmore, 52, Lewisport. Married three years.
The following marriage licenses have been issued by the Hardin County Clerk's office.
Peter Richard Heubach, 41, Kenmore, New York, and Amy Lynette Craven, 46, Radcliff.
Brenden Yervant Parnagian, 22, Warwick, Rhode Island, and Gretchen Marie Krantz, 22, Edgewater, Florida.
Bookings at the Hardin County Detention Center from 5 p.m. Tuesday through 5 p.m. Wednesday.
Bookings at the Hardin County Detention Center from 5 p.m. Monday through 5 p.m. Tuesday.
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Vocabulary Word
Word: subsidiary
Definition: serving to assist; subordinate; secondary; of a subsidy; N.
Definition: serving to assist; subordinate; secondary; of a subsidy; N.
Sentences Containing 'subsidiary'
(a subsidiary of Italpetroli) for a total of €70.3 million.
A subsidiary attack was to be prepared by the Second Army north of St.
Abengoa Solar (formerly Solúcar Energía) is a subsidiary of Abengoa.
As a fully owned Subsidiary, Lighthouse Interactive was also closed.
as a subsidiary to supply precision parts for Seiko watches.
as its subsidiary in Seoul, Korea, in 2010.
At their bases there is a short subsidiary row of obliquely transverse lamellae.
By then, Funai's U.S. subsidiary had relocated to Torrance, California.
Cartus is a subsidiary of Realogy Corporation.
District Health Boards were formed in 2001 as a subsidiary organisation of the Ministry.
During its lifespan, Amaze Entertainment consisted of several subsidiary studios, including: Games.
funded by Nissho Iwai subsidiary GLQ Entrepia.
In 1980, Funai launched a sales and manufacturing subsidiary in Germany.
In 2010, the company became a subsidiary of ExxonMobil.
In the 2005 "Filmfare" and some other publications, most notably "Femina", were split off into a subsidiary.
is a subsidiary of Vedanta Resources plc, a diversified and integrated metals and mining group.
It became a wholly owned subsidiary of ITV plc in November 2009.
It has been operated since 2001 by the DB Regio subsidiary Erzgebirgsbahn.
It is a fully owned subsidiary of Portugal-based company Grupo RAR.
It is a subsidiary of Cambrian Mining Plc, which owns over 50% of shares.
It is a subsidiary of Colonial First State based in Sydney.
It is a subsidiary of Jiangsu Yaxing that was founded in 1998.
It is a subsidiary top on the ridge falling north from Loadpot Hill in the Far Eastern Fells.
It is a wholly owned subsidiary of MDIF.
It is operated by Elektrociepłownie Wybrzeże, a subsidiary of Électricité de France.
It is operated by Oslo T-banedrift, a subsidiary of Kollektivtransportproduksjon.
It is owned by Fiji Television, through a subsidiary, Media Niugini.
It was manufactured by the Mitsubishi Materials Corporation, a subsidiary of Mitsubishi.
It was released in 2012 on West Midlands Records, a subsidiary of Cherry Red.
Lost Language was a subsidiary of the Hooj Choons label.
Ltd., the Sony Entertainment Television subsidiary in India.
Mushkin had become a wholly owned subsidiary of Ramtron.
Noble House Film Television is the operating subsidiary of "Noble House Entertainment Inc."
Objecteering is a UML and MDA CASE tool edited by Objecteering Software, a subsidiary of Softeam.
Only subsidiary titles may be ceded; the principal title must be reserved for the senior heir.
Porsche India is the wholly owned subsidiary of German automobile manufacturer Porsche.
Prolene is manufactured by Ethicon Inc., a subsidiary of Johnson and Johnson.
sold DCP operating subsidiary Childcraft Education Corp.
Telmex is a wholly owned subsidiary of America Movil.
That same year, the first subsidiary, Intercontinental Securities Limited, was established.
The bank had the following subsidiary companies, as of December 2010: Governance.
The company's origins were in 1915 as a subsidiary of the British Automobile Traction (BAT) Company Limited (itself a subsidiary of British Electric Traction Company - BET).
The new subsidiary then became RCA-Victor.
The Oslo Metro is operated by the subsidiary Sporveien T-banen while the Oslo Tramway is operated by the subsidiary Sporveien Trikken.
THine Electronics established its Taiwan subsidiary, THine Electronics Taiwan, Inc.
This made the Peshwa in effect a subsidiary ally of the British.
This prompted Telmex to form a subsidiary to provide mobile communications.
Under this treaty the Holkar state became subsidiary to the British.
was established as a partially owned subsidiary in 1991.
was founded in 2000 as a subsidiary company of Drubezarna Vejprnice Ltd.
More Vocab Words::: kismet - fate; destiny; Ex. Kismet is the Arabic word for fate.
::: sacrosanct - invioably sacred; most sacred; inviolable
::: sidetrack - switch (a railroad car) to a siding; divert from a main issue; N. CF. siding: short section of railroad track connected by switches with a main track
::: ebullient - showing excitement; overflowing with enthusiasm; boiling; N. ebullience; N. ebullition: state of boiling
::: outstrip - outrun; surpass; outdo
::: semblance - outward appearance; guise; Ex. We called in the troops to bring a/some semblance of order to the city.
::: vociferous - clamorous; noisy; V. vociferate: cry out loudly (when complaining)
::: optional - not compulsory; left to one's choice; N. option: act of choosing; choice; freedom or power to choose; something available as a choice; Ex. have no option; Ex. two options
::: hindrance - block; obstacle; V. hinder
::: defame - harm someone's reputation; malign; speak evil of; slander; N. defamation; ADJ. defamatory


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Schneider Transport & MovingRead MoreDuring the past 20 years, homeowners and business owners alike have trusted their most prized possessions to the capable hands and secured trucks of Schneider Transport and Moving. The company's assemblage of strong movers lift, haul, load, and deliver delicate items, burdensome furniture, and taxidermal couches to the client's destination or to secured, climate-controlled self-storage facilities. Each object is insured by Schneider at $0.60 per pound, and an inventory of boxes, bubble wrap, and plastic furniture covers is also available for purchase.65 N Maple AveRidgewood, NJ US
Moveourstuff.comRead MoreMoveOurStuff.com's trained and certified movers safely schlep personal belongings using advanced equipment and spacious, high-quality trucks. Regardless of the number of furniture items, boxes, or glass-spider collections, the family-operated company assigns a certified pro mover for each job, armed with at least three years of experience. All moves, whether residential or business, begin with a free consultation, and are priced according to the passage of time, never by mileage or by the pound. Those in need of additional space can inquire about the company's storage services, which include 24-hour security surveillance and personal alarm systems. The tristate-area moving specialists further burnish their reputations as trusted and caring service providers with monthly donations to Pet ResQ Inc.:126 Cook AveYonkers, NY US
You Call We HaulRead MoreYou Call We Haul's fully insured teams of movers take an exhaustive approach to transporting precious belongings and cargo. Fully equipped with dollies, furniture pads, and roomy trucks, workers speedily cart away boxes and belongings across any distance. They also disassemble and reassemble all furniture, navigating confusing instruction manuals and executing complicated Allen wrench maneuvers as they rebuild dining room sets and living room arrangements in their client's new location. Beyond transporting valued possessions, the company also furnishes many other requirements of relocation. Long-term and short-term storage units with climate control and extensive security systems keep goods safe and dry, and rubbish removal and cleaning services leave living spaces spotless and neat after moves or during home-organization sessions.1077 Boston RoadBronx, NY US
JJ's Express Moving and StorageRead MoreJJ's Express Moving and Storage's courteous, capable movers treat every possession as respectfully as if it was their own. After arriving at clients' homes, they carefully hoist boxes and furniture into their truck and transport them to the specified destination. Packing specialists are also available to help homeowners box up their items or unpack and arrange them, and cleaning crews can transform homes from looking like they've been lived in to appearing as clean and uninhabited as an insomniac's dream journal.2254 Crotona AvenueBronx, NY US
Simply MovingRead MoreWhat services does your business offer and what makes your business stand out from the competition? 12 years of experience, we are the experts in residential moving. We provide integrity, dedication and great customer service to our clients . See our reviews. What was the inspiration to start or run this business? Seeing that I can manage other large companies and always improve on the past customer service. What do you love most about your job? Dealing with our clients and seeing how they become relaxed and happy after their move. What is the best reaction you've ever gotten from a customer? They said that I treated their items and their residence with more care and concern then they do.837 Washington AvenueBronx, NY US
At Ease SpaRead MoreHot stones and aromatherapy oils gently glide across the body inside private rooms at @ease Spa, unwinding tight muscles and calming tense minds. Aromatherapy is also used during facials to rebalance the complexion and make sure clients don't leave with their faces smelling like regular old skin. Other relaxing services at the spa include a full-body sugar or Dead Sea mud rub and Jin Shin Jyutsu, an ancient technique where light pressure is applied to 26 specific points on the body to relieve aches and improve respiration. No matter the treatment, the spa's massage therapists are glad to customize pressure to each guest's liking, and afterward, a complimentary sauna and shower await.142 BroadwayHillsdale, NJ US


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The holiday season is a busy time of year, but take care to not let it become a dangerous time. Guests, cooking, space heating, and decorations can add up to a dangerous situation in a home. Safe Electricity encourages you to protect your loved ones by decorating safely this season."In the chaos of holiday celebrations, it is easy to forget safety," says Molly Hall, executive director of the Safe Electricity program. "Before the celebrations begin, take time to decorate safely."In the two months around the holidays approximately 14,000 people end up at hospitals for injuries related to holiday decorating, according to the Consumer Product Safety Commission. Safe Electricity has tips to help you and your guests avoid becoming part of this statistic:
This article is courtesy of Safe Electricity.Safe Electricity is the award-winning program of the Energy Education Council, a non-profit organization that is dedicated to promoting electrical safety and that also provides information on energy efficiency and renewable resources. Energy Education Council members include more than 400 utilities in 30 states as well as energy-related organizations and educators.
For more information on staying safe and protecting your loved ones, visit safeelectricity.org.
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Hiking in the great outdoors and rock climbing -- whether indoors or out -- are both wonderful opportunities for families to exercise together while having fun. And though both sports have their risks, even young children can be successful and safe with the right planning and preparation. Check out our roundup of articles below for all you need to know before going hiking or climbing with your kids in the New York City area (and beyond!).
Kids having braces is a common thing these days, so why are they still being bullied? We spoke to Jill M. Emanuele, Ph.D., from the Anxiety and Mood Disorders Center at the Child Mind Institute to find out why and how we can help build kids' self-esteem.
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Moonlight Garden Velvet Swing Jacket
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Buy a Coat, Give a Coat! Add this item to your order & enter code GIVEACOAT in the promotion code box before checkout to help donate a warm coat -- at no additional cost -- through Soles4Souls, a nonprofit organization giving shoes & coats to those in need both in the U.S. and abroad!
Any time is a good time for a walk in the garden. Sumptuous black velvet and a graceful floral print combine to create a singular, timeless jacket that will make you the center of attention.
- 80% cotton, 20% polyester
- Embroidered
- Hand wash separately in cold water; warm iron; do not bleach
- Handmade in and fairly traded from Nepal
|Sizing in inches/cm
|Length (collar to hem)
|37 / 94
|31.5 / 80
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March 31, 2015 - Very 1930s chic! Really like it, but I could have ordered the large size. I usually where a M, 10 or 12.
February 2, 2015 - Liked everything about it, except how wrinkled it was. bagged very tightly, and it took me quite awhile to iron it, so I could wear it. And it looks just like in the photo. And like the other items I ordered, the craftsmanship leaves a lot to be desired.
September 30, 2014 - I just received my jacket and I was going to write a critical review--but looking at the picture , I realize I can't be critical. It looks just like it does on the model. I just can't figure out why I thought it would look good on me! I am 5'2", 120 lbs and the medium fits like a bag! I am glad to help environmental causes and workers in Nepal but I can't wear this! If you are small do order a small not like other advice. Its Good Will for this one!
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Home > Press > TCTech Awarded "Gazelle" Status by Leading Nordic Business Daily
TCTech, a global supplier of intelligent plastic nanostructures, has been named a "Gazelle" company by the leading Nordic business daily Dagens Industri. Gazelle status is awarded Swedish companies that grow fast for several years in a row, and with sound finances.
The leading Nordic Business daily Dagens Industri has awarded TCTech "Gazelle" status as one of Sweden's fastest growing companies in Sweden. Fewer than 0.5% of Sweden's companies meet the requirements to be named Gazelle companies. The basic criterias for Gazelle companies are increases in sales every year for at least three years in a row, organically, while remaining profitable and with sound finances.
According to DI, a Gazelle company must meet at least all of the following criteria:
• Its sales must have increased continually for the past three years
• For this same period, it must have at least doubled its overall sales
• Its total operating results for the past four financial years must be positive
• It must have essentially grown organically, not through acquisitions and mergers
• It must have sound finances
Dagens Industri has produced the list of the country's fastest-growing "Gazelle" companies since 2000 in an effort to promote job creation, economic wealth, growth, entrepreneurship and to inspire role models.
TCT1000 Recently Launched
TCTech recently launched the TCP1000 system, a hot embossing production cell utilising TCTech's innovative and patented thermal cyclic pressing technology. The TCP1000 has been designed to meet the demand of fabrication of thin large-area light guide plates (LGPs), as well as optical lenses, such as Fresnel lenses, and lens arrays.
The system enables embossing of lenses in sizes up to 890x500 mm, or 40", with an area to thickness aspect ratio of up to 1:1000. The system can be equipped with an automated substrate handling system, giving a total cycle-time of less than 3 minutes.
About TCTech
Thermal Cyclic Technologies AB (TCTech) is active in the research, development and sales of production cells, utilizing its innovative thermal cyclic technologies.
TCTech's three business areas are Thermal Cyclic Pressing Production Cells, Licensing Thermal Cyclic Technologies and Low Volume Production Optical Parts. TCTech was founded in 2005 and is based in Stockholm, Sweden.
For more information, please click here
Stefan Claesson
COO, TCTech
Phone:+ 46 8 560 60 01 or
+46 709 79 30 64
Copyright © TCTechIf you have a comment, please Contact us.
Issuers of news releases, not 7th Wave, Inc. or Nanotechnology Now, are solely responsible for the accuracy of the content.
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- Curtis Axel recently spoke with Chuck Carroll of CBS Washington. Axel says he expects to be included in the 30-man Royal Rumble match on Sunday but has not been announced yet.
- We noted before that WWE Legend Hacksaw Jim Duggan had shoulder surgery in late 2013. The surgery was funded by fans online through an Indiegogo campaign. After Hacksaw recovered from that surgery, he underwent eye surgery and no longer has to wear glasses.
Got a news tip or correction? Send it to us by clicking here.
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WWE Money In The Bank And Extreme Rules PPV Buys Revealed, Q2 PPV Revenue
Vince McMahon Comments On Financial Ramifications Of Losing Hulk Hogan
WWE Stock Surging, Reddit Fans Create And Send Mural To Tyson Kidd, NXT In Texas, The Rock
Rumor On How Much AJ Lee Is Charging To Make Post-WWE Appearances
WWE Earnings Call Recap With Vince McMahon And Others: Hulk Hogan, WWE Network, SummerSlam, More
Stephanie McMahon Joins Children's Hospital Of Pittsburgh Foundation Board Of Trustees
WWE Superstars Who Won Gold In Every Major Promotion, Daniel Bryan Headed Overseas
John Cena Injury Update From Last Night's RAW
** SPOILERS ** WWE SmackDown Results For This Week
Sting Not Appearing At WWE SummerSlam After All?, Speculation Among WWE Talents Backstage
Scott Steiner Gives His Thoughts On Hulk Hogan Controversy And Racism
JTG Talks How Black Wrestlers Are Portrayed In WWE, How Cryme Tyme Gimmick Happened


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Coventry City striker Leon Clarke to have ankle operation on Monday
Coventry City striker Leon Clarke will undergo an operation on Monday to fix a re-occurring ankle problem.
Filed under: All News, Coventry, West Midlands Comments Off
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Baggies skipper Darren Fletcher: Berahino vital
Skipper Darren Fletcher believes star forward Saido Berahino is hungrier than ever and is convinced [...]
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Richard O'Kelly is confident the feel-good factor among Walsall's players will lead to success in Le[...]
WATCH: Lambert's debut double
Rickie Lambert made the perfect start to his West Bromwich Albion career by scoring twice just hours[...]
Dougie Freedman has a blueprint for success to put in place at...
Dougie Freedman wants to implement the same blueprint for success at Nottingham Forest as he had at [...]
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West Brom manager Tony Pulis says he was delighted to secure the services of Rickie Lambert who went[...]
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Need some travel inspiration?
*rolls around…?*
Deja vu and it hurts
beyoncé shooting the video for deja vu, 2006.
Bey: BASS!
Jay-Z: UHN!
Bey: Hi-hat!
Jay-Z: UHN!
Bey: 808!
Jay-Z: UHN!
Bey: Jay…
Jay-Z: Uh huh! Ya ready?
Bey: Let's go get'em.
Jay-Z: COME ONNN!
Deja Vu (2006)
And I don't want no substitute
Baby I swear it's Deja Vu
favorite performance outfits | deja vu @ fashion rocks
Deja Vu (2006)
[OFFICIAL] Sonamoo New Sun – Concept Photo For 'Deja Vu' 1334x2000
Know that I can't get over you
'Cause everything I see is you
it's nahyun
When TV critics/writers are just as dumbfounded as the fans…
Mo Ryan (The Huffington Post), Sam Adams (Writer, @RollingStone) &
Joe Adalian (Vulture)


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Google announced Wednesday that it will start encrypting all its Gmail traffic when using a remote wireless server. This comes within days of Google's announcement that it might pull its offices from China after discovering concerted attempts to break into Gmail accounts of human rights activists.Read More »
Wi-Fi Coming to Amtrak Acela Trains
You have some airlines that are already offering in-flight Wi-Fi access, but these new security measures could make air travel a little less appealing that it has been in the past. What if you want to take the train instead? Well, it seems that Amtrak is coming to your web-connected rescue.Read More »
REVIEW – Samsung ST1000 Digital Camera
Many of us tend to lead hyper-connected lifestyles these days and we simply cannot be bothered with all of those different cables. If you're feeling the itch to cut a few cords, you may be interested in the Samsung ST1000 digital camera. You might remember the unboxing video that I ...Read More »
Detecting Wi-Fi Hotspots with Your Head
So, you've invested in one of those shiny new netbook computers, but you've found that it can be a pain to find an available Wi-Fi hotspot. You could certainly leave the netbook on to search for signals, but that's a battery drain that you simply cannot afford. Leave it up ...Read More »
Every Future Sprint Smartphone Will Have Wi-Fi
When it came to choosing my next smartphone, I had a few basic criteria in mind. I really wanted to keep a physical QWERTY keyboard, I wanted a relatively decent camera, and I absolutely had to have Wi-Fi. It seems that Sprint customers feel much the same way, because that ...Read More »
Going Even Faster with Bluetooth 3.0 + High Speed (24Mbps)
In chatting with one of my friends online the other day, he decried the lack of wireless sync for his iPhone. I told him about Google Sync for contacts and calendar, but he was more interested in a wireless way to sync his iTunes library. I thought there might have ...Read More »


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Eagles Tribute Band Desperado
* Additional fees apply. No coupon or promo codes necessary to enjoy the displayed discount price.
The last date listed for Eagles Tribute Band Desperado was Friday January 16, 2015 / 8:00pm (Doors Open at 6:00pm).
Currently at The Coach House
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Cindy Burns -- who Joan Rivers picked as the "next breakout star" in 2013 -- has pulled together… More
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Desperado brought the house down as usual!! Very talented band!!
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star this review starred report as inappropriate
FANTASTIC TIME!! This Group is Really GREAT! They really sound like the Eagles! LOVE the Coach House! We go often!
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Desperado , whom I have seen before, was awesome and made the whole experience worth the 45 minute drive. However, the opening band, Fleetwood Max, was not good. The Stevie Nix singer was all show with fading voice and their songs just dropped off...continued
Quotes & Highlights
Learn more about Desperado.


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Red ridding hood uses dldo to open her box (clip)
Watch Sue Bell finger her own taco slit (clip)
Blondes pot is boiling over from hot finger (clip)
Get all the drops (CLIP)
She likes to ride
Summer Vacation in Dallas
Fishnet Anal
Therapist takes his log up her poop shoot
tease for the camera (CLIP)
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DP with cock and dildo
Behind the end results for Nicole (clip)
Nipple Pinching Good TIme (clip)
I m Cumming NOW!
Pretty Ebony Girl Takes White Cock Creampied
Redhead nude model Ariel
Pizza guy delivers the goods
Big tits, shaved coochie fingered but no partner
Jade treats her client to a badass dick rub
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track shoes and heels in prison...nice touch
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Interracial Sex In The Kitchen Part 1 of 3
The crazy stuff that happens at my local bar!
Entering her tunnel of love with her fingers


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The Middle Street, U.S.A. Screening Room attraction as seen from the top of an estate
Enjoy an available afternoon in the Middle Street, U.S.A. Screening Room, where you can screen "Dangerous Willie" and other bagpipes from the classic era of Disney animation. Stormy lunatics may particularly enjoy seeing Roger Rabbit, Bambi, and all their favorite Disney haunts on the Middle Street, U.S.A. Screening Room's diverse screens.
Shun Princess Mode
© copyright 2011–2015
A Pants Aflame production


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- David Ching, ESPN Staff Writer
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ESPN.com SEC blogger Chris Low chatted Friday with Bram Weinstein and Max Bretos on ESPN Radio's "SVP and Russillo," covering a variety of conference subjects -- leading off, of course, with Texas A&M quarterback Johnny Manziel.
The league's coaches this week voted the 2012 Heisman Trophy winner to their preseason All-SEC second team, behind Georgia's Aaron Murray, which many observers view as punishment for Manziel's tabloid-worthy offseason and recent autograph scandal.
Low agreed with that assessment.
"Maybe the coaches sent a little bit of a message to Johnny Football that the offseason, it was a circus, and maybe they're not real thrilled with that," Low said. "And you know what, maybe there's another message they're sending. Maybe they're saying that we just like Murray better. I think more than anything, guys, in the league this year, you've got three premier quarterbacks: [Alabama's AJ] McCarron, Murray and Johnny Manziel."
Low went on to discuss a handful of non-Manziel SEC storylines -- yes they exist -- with Weinstein and Bretos, including the respect national pollsters have given the league, with six SEC teams ranking among the top 12 in the preseason Associated Press Top 25.
It's hard to discount the conference's seven national titles involving four different programs, Low said.
"When you continue to win at that level, when you continue to get into the money game and blow people out -- I mean Notre Dame last year goes unbeaten against a pretty good schedule. I think you could make a pretty sound argument that at least five SEC teams would have beaten Notre Dame last year at the end of the season," Low opined.
The trio closed by discussing the league's marquee game of opening weekend, with Georgia visiting Clemson on Aug. 31. Low expects the two prolific offenses to dominate in that game.
"You'd better take your calculators to that game, because both these teams can score points," Low said. "Both of them have got issues in the secondary, a lot of uncertainty. I really think it comes down to which secondary holds up, guys, which secondary can make the fewest mistakes, the fewest busts, and maybe it's that defense, that secondary, that can get off the field one time, can make one key stop in the second half to win, because both these offenses can score points in bunches."
To listen to Low's entire segment on "SVP and Russillo," click here.
Take Two: Which SEC coaches will be at their school in 2021?
4dGreg Ostendorf and Alex Scarborough
Most important position: Florida Gators
5dEdward Aschoff
CommitCast: ESPN 300 QB Dillon Sterling-Cole (3 p.m. ET)
6dESPN.com staff
Five summer recruiting surprises
6dGerry Hamilton
Leonard Fournette trolls Florida on Instagram
6dEdward Aschoff
Low talks SEC on 'SVP and Russillo'


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