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Leveling the playing field for novel fuel technologies
As part of the European Climate Foundation's Biofrontiers project, Défense Terre was asked to analyze the regulatory treatment of thirteen novel fuel technologies or "NFTs" in the European Union and...
Published 2016.03.11:
Deficiencies in the Brazilian PROCONVE P-7 and the case for P-8 standards
DOWNLOAD PORTUGUESE VERSION (PDF) In January 2012, Brazil implemented the PROCONVE P-7 emission standards for heavy-duty vehicles (HDVs) to replace the previous P-5 standards (Euro III-equivalent)....
Published 2016.03.11:
Environmental risks of diesel passenger vehicles in Brazil
DOWNLOAD PORTUGUESE VERSION (PDF) Although Brazil has restricted the sale of diesel passenger cars since the 1970s, an auto industry lobby has been pressuring the government to lift the...
Published 2016.03.11:
Engine technology pathways for heavy-duty vehicles in India
The primary objective of this literature review is to provide a glimpse at technology changes for diesel and natural gas (NG) engines in the HDV space that are expected over the next 10 to 15 years...
Published 2016.03.10:
Engines and tires as technology areas for efficiency improvements for trucks and buses in India
India is in the process of developing fuel efficiency standards for new heavy-duty vehicles, and one critical input to regulatory development is a technology potential analysis to determine the...
Published 2016.03.02:
Cost-benefit analysis of Brazil's heavy-duty emission standards (P-8)
DOWNLOAD PORTUGUESE VERSION (PDF) Brazil has controlled heavy-duty vehicle (HDV) emissions through the Programa de Controle da Poluição do Ar por Veículos Automotores (PROCONVE) since 1990,...
Published 2016.03.01:
Assessing progress towards implementation of the ILUC Directive
In 2012 the European Commission proposed Directive 2015/1513 amending the Renewable Energy Directive and the Fuel Quality Directive to address indirect land-use change (ILUC). Directive 2015/1513...
Published 2016.02.29:
Costs of emission reduction technologies for heavy-duty diesel vehicles
This report presents the manufacturing costs of emission control technology used to meet recent U.S. and European emission standards for heavy-duty diesel engines and vehicles. The costs assessed...
Published 2016.02.29:
Non-road emission inventory model methodology
Modeling is essential to identifying and assessing non-road mobile sources of air pollutant emissions, forecasting future activity and emissions, and evaluating the impacts of potential policies. A...
Published 2016.02.24:
International Civil Aviation Organization CO2 standard for new aircraft
On 8 February 2016, the International Civil Aviation Organization (ICAO) finalized a proposed performance standard for new aircraft that will mandate improvements in fuel efficiency and reductions...
Published 2016.02.09:
Case study: Refineries in Vietnam
Vietnam has set ambitious fuel quality standards in an effort to curb worsening air pollution from vehicle emissions (Clean Air Asia; Vietnam Environmental Administration, 2013). At the same time,...
Published 2016.02.03:
Case study: Adoption of low-sulfur fuel standards in Peru
Rapid population and economic growth in Peru has fueled a sharp increase in the country's vehicle fleet, raising concerns about air quality. The government has responded with emission standards for...
Published 2016.02.03:
Case study: The Egyptian Refining Company project in Cairo
Egypt has made advances in fuel quality over the past decade by introducing unleaded gasoline, but like many countries in Africa still supplies diesel with very high sulfur content, up to 10,000 ppm...
Published 2016.02.03:
Availability, use, and removal of oil palm biomass in Indonesia
ICCT commissioned this study by Dr. Christopher Teh Boon Sung, a professor at the University Putra Malaysia, to review and assess the environmental implications of removing palm residues from...
Published 2016.02.03:
Data sources to support land suitability assessments for bioenergy feedstocks in the EU: A review
As part of the European Climate Foundation's Biofrontiers project, the Institute for European Environmental Policy was asked to undertake a review of the availability of data on European land use,...
Published 2016.01.27:
Waste, residue and by‐product definitions for the California Low Carbon Fuel Standard
This report by ICF International was commissioned by ICCT to inform life-cycle treatment of biofuel feedstocks under California's Low Carbon Fuel Standard (LCFS), as well as biofuel regulations in...
Published 2016.01.27:
Review and evaluation of vehicle fuel efficiency labeling and consumer information programs
Vehicle Fuel Efficiency Labeling (VFEL) is used by numerous countries worldwide to improve the fuel efficiency of their transport fleets. The theory behind VFEL is that better-informed consumers are...
Published 2016.01.27:
How to advance cellulosic biofuels
The use of advanced biofuels (produced from agricultural or forest residues or sustainable energy crops) in transport is generally viewed as a sustainable manner in which to mitigate the climate...
Published 2016.01.20:
Real-world fuel consumption of popular European passenger car models
Official fuel consumption values for new passenger cars in Europe are increasingly unrepresentative of real-world performance. The divergence between official and real-world fuel consumption more...
Published 2016.01.14:
Costs and benefits of shore power at the port of Shenzhen
China is home to seven of the world's ten largest and busiest container ports. While these ports bring an economic benefit to China, they also bring shipping-related emissions. Studies conducted in...
Published 2015.12.28:
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This unique handcrafted armoire has strips of Azul copper placed in each door. The wood matches well with the rich blue shades of Azul, and the bronze colors assist in giving it a sense of parity.
Azul Copper Armoire
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text: Spent a lovely afternoon at Haberman's in Royal Oak picking out navy fabric for my bridesmaid's dress. The solid is a silk crepe de chine and the over layer is a silk lace. It was a hefty chunk of allowance, but I'm pretty excited (and nervous) to work with these delicious fabrics! Now I think there won't be much sewing for a while, as I watch my Craftsy "sewing with silks" course and figure out what the heck to do with them!


text: Ok when I look online for some jeans they never say what their length? They only way what the waist is. Other jeans are never in my size. They are always 32x32 or more. I wear 32x30. I can never seem to find nice jeans in my size. They are all a size too big. Do you think I'm going to have to buy a 32x32 and hem them? If I do that I really don't think their going to look as good as if they were authentic. I'm pretty sure plenty of other people have this problem because I'm a pretty normal body type. Thanks for your help!


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Introducing Bulk Publish On Statusbrew
Last month we introduced Planner in the Publish section of the Statusbrew app. We have been stoked by the positive response from our users. With the Planner that gives a clean view of the editorial calendar for the entire content publishing strategy across social networks, it has improved the capability of users to focus more on crafting magnetic content and delivering at the right time to the right target audiences.


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8月 17, 2014 合計視聴数:: 4451 今日は: 1 ★★★★
Hotel Chervona Kalina Kiev, Set on the banks of the River Dniper, the Chervona Kalina hotel offers a private beach area and spa facilities. This traditional hotel also provides a daily continental breakfast and free Wi-Fi. Guests at the Chervona Kalina can enjoy a variety of water sports, and moor or rent yachts at the hotel's Yacht Club. Rental bicycles are also available and younger guests will enjoy the playground. The hotel's individually furnished rooms and cottages include satellite TV, and a private bathroom with free toiletries. Some rooms include a balcony with views of the River Dniper. Chervona Kalina features a large restaurant serving Ukrainian specialities, and drinks can be enjoyed in the bar. 夏の間は, guests can use the hotel's barbecue facilities or relax in the garden. ホテルはおよそ 11 km from Kiev city centre, and the Central Train Station is 30 分' 追い払う. 無料の駐車場が敷地内にあります. (Hotel Chervona Kalina Kiev hotels booking).


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Best steaks in Tayside by a mile.The Moncrieffe Arms – Perth
Looking for the best restaurants in Perth? Find them on the leading Scotland restaurant guide. Discover new places to eat in Perth with links to restaurant websites, online menus, restaurant photos, special offers, location maps & much more.
Sunday Lunch Menu: 2 courses, £18.50; 3 courses, £23.50
Best steaks in Tayside by a mile.The Moncrieffe Arms – Perth
Our family stayed at the Crieff Hydro the first weekend in May. We were all extremely impressed and surprised at how good it was. It is a huge property but runs like clockwork. The Crieff Hydro is particularly good if you have kids as their creche facility is first class. This allows the adults to enjoy the fine restaurants and spa facilities without their screaming bairns. All 3 restaurants were excellent, a fine dining option, a brasserie and pizza and pasta joint. Service was friendly and professional. Incredible to think the hotel has 500 staff and it all runs smoothly. Will return and will recommend to others.Crieff Hydro – Perth


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Hollywood Golf
Hollywood's goal is to expose young people to educational
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citizenship, and good living. Young people ages 4-23
Age:Young people ages 4-23
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Monday, September 25, 2017 - 5:00pm
Intergenerational Book Club: -Detroit Reads Detroit 1967 Edited by Joel Stone with a foreword by Thomas J. Sugrue & Special Guest Speaker Jamon Jordan
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It is being thought of that the land pooling policy will make way for around 25000 acres of land in the recent times. Master Plan Delhi is aimed towards generating around 1.6 million residential units which will be offering accommodation to more than 10 million people in Delhi. Therefore, it can rightly be said that a whole new phase of development will be taking place in Delhi.
Affordable housing options for the weaker sections of the society are one of the major advantages of the land pooling policy introduced by the government. There are other plans that the Government is set to initiate in collaboration with private players. The construction of 300 semi-public and public hospitals, 401 colleges, 4 universities and 1000 schools has been planned as per the land pooling policy. Major Advantage of Land Pooling Policy One of the major advantages of land pooling policy and MPD 2021 is the growth of residential projects in Dwarka L Zone. LPP and MPD 2021 together have resulted in the implementation of the Gurgaon-Dwarka metro line. This has been the main reason behind the upsurge of residential projects throughout L Zone Delhi. It is only because of the implementation of the land pooling policy that it has become very easy for people to buy property in L Zone. Not only this, MPD 2021 and LPP together will result in the completion of Delhi Smart City assignment. The policy and Master Plan 2021 together are also aimed towards generating private and government jobs for unskilled and skilled labor.
Affordable Homes in L Zone Dwarka With the development of huge residential projects across Delhi L Zone, now it is quite easy for people to buy property in L Zone without thinking about the costs involved. This is due to the fact that MPD 2021 has made it possible for the lower income groups to dream of owning their homes in Delhi within budgets that they can actually afford.
Published on Jan 13, 2017
Major features of the land pooling policy have helped people in owning homes in Dwarka L Zone for more details visit: www.ddalzone.com


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Condolences from the Alumni Cardinal Stritch. May our risen Lord bless you all during this Holy Week and season of Easter.
Jacob J. Hubbel
Jacob J Hubbel, age 89, of the Point-Shoreland Community, passed away April 6, 2017. He was born in Toledo, OH on Sept. 28, 1927 to parents Barbara (Saionz) and Jacob Hubbel. He attended St Hedwig's school and was a former 30-year member of its parish.
Jake (aka Jack) was a 1945 graduate of Central Catholic High school, where he achieved four years of perfect attendance and had received the Bishop's Cross for excellence in religion. He remained active with CCHS classmates, being on committee for numerous reunions. He earned his Bachelor's degree in Mechanical Engineering from the University of Detroit Mercy, Class of 1950. During his active years, Jake held memberships in local engineering societies, among them being past president of the local chapter of the American Society of Mechanical Engineers, and a lifetime member of Tau Beta Pi Honorary Engineering Society.
He was a proud veteran of the U.S. Army during the Korean war.
His employment with the Toledo Scale Co, took on an "unexpected career", when he met and was to marry, his secretary Jonelle. This May, they were to celebrate their 59th wedding anniversary.
As a Senior Sales Engineer at Toledo Scale Co., he traveled extensively cultivating many lifelong friends from coast to coast. He was a longtime employee and retired when headquarters relocated to Columbus, OH. Jake's final retirement was as a Contract Administrator with the Defense Logistics Agency at Teledyne.
Jake was blessed with a remarkable memory and was a true scholar, loving the classics whether it be music, literature, or history. He was a voracious reader and numbers were his thrill and skill.
He was very devoted to his Catholic faith and was a longstanding parishioner of St John the Baptist Catholic Church and had been active as an Usher, Lector, and participant in many parish committees.
His memory will be cherished by loving wife Jonelle, daughter Beth, son Mark(Donna) of Rochester NY (grandchildren: Jacob, Therese, Emily, Daniel, Caroline, AnnMarie), son Greg(Stephanie) of Rochester NY (grandchildren: James, Becca, Anna, Thomas, Sarah, Noah, Maria, Gracie, Lily).
Jake was preceded in death by his parents and infant grandchild Faith.
Mass of Christian Burial will be at St John's Church, on Monday April 10th , at 10:30am with Fr David Cirata as celebrant. Visitation will precede the Mass from 9:30 to 10:30am at the church.
Those wishing to make a memorial tribute are asked to consider St John the Baptist Catholic Church 5153 N Summit St, Toledo OH 43611, or the donor's choice.
The family wishes to express sincerest thanks to the many friends for their support, love, and prayers. They also extend a heartfelt 'thank you' for the dedicated and compassionate care by the nurses, aides, and staff of the Genesis Point Place Care Center and Vibrant Life Senior Living of Temperance, MI.
Online expressions of sympathy may be made by visiting www.hoeningfuneralhome.com.
Join us on April 10th, 2017 from 9:30am - 10:30am
Mass of Christian Burial
Join us on April 10th, 2017 at 10:30am
Father David Cirata will be celebrant. Interment will be private.
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To the Hubbel Family - Our deepest sympathy in the loss of your loved one. Our prayers are with you at this difficult time.
Mrs. Hubbell, I was so sorry to hear the news of your husband. I always enjoyed seeing both of you in the office. My thoughts and prayers are with you. Sincerely, Mary Jo Weissenberger
So sad to hear of Grandpa Hubbel's passing. Praying for all of you that you find comfort and healing in one another at this time. Thinking of you all.
Mark and family,
We were so sorry to hear of your father/grandfathers passing and offer our deepest sympathy (and many hugs) at this time.
Much love to you all,
Tim & Marcy
Beth, please accept my deepest sympathy for your father's passing. My heart goes out to you and your family during this time.


text:
The five Glorious Mysteries of the Rosary focus the meditations on Our Lord and Our Lady's life, from the Resurrection of Our Lord through to the Crowning of Our Lady as Queen of Heaven and Earth.
From the start, Our Lord's Resurrection brings glory and hope to all of us with the fulfillment of His Word by His Resurrection and Ascension and by sending the Holy Ghost to strengthen the Apostles and Disciples.
The triumphant Assumption and Coronation of Our Blessed Mother is a reflection of God's goodness and glory, but it is also a foretaste of the rewards we will merit if we persevere in our trials and tribulations here on earth to attain our heavenly goal.
The Glorious decades of the Rosary are traditionally said on Wednesday, Saturday and Sundays outside of Lent, Advent and the Christmas Season.
1. The Resurrection ~ Fruit/Virtue: Faith
2. The Ascension ~ Fruit/Virtue: Hope
3. The Descent of the Holy Ghost ~ Fruit/Virtue: Charity
4. The Assumption of Our Lady ~ Fruit/Virtue: Union with Christ
5. The Coronation ~ Fruit/Virtue: Union with Thee
Meditation on these Mysteries helps us think of our after-life and the wonderful promises that are ours for the taking if we persevere in striving to live our lives in accordance to Our Lord's. The submission of our wills to His Divine Will will take us far on our paths to Heavenly Glory.
Traditionally, the Glorious decades are said on Wednesdays, Saturdays and on Sundays throughout the year from Easter Sunday up to Advent. (During Advent on Sundays, the Joyful Mysteries are said through the Christmas season, and in Lent the Sorrowful Mysteries are said.) So Sunday is a flexible day depending on what season we are in in the Church year.
Return to the Mysteries of the Rosary
Return to The Rosary and Gifts Homepage from The Five Glorious Mysteries
We here at The Holy Rosary and Gifts make use of revenue and affiliate links from companies such as Google Adsense, Amazon and Share-a-Sale. Use of external links by you may result in us earning a bit of money. ;)
Read Roman Catholic Prayers from Fr Francis Lasance and many other ebooks that are FREE and are in the public domain instantly on your Kindle or other ereader.


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29 December 2010
15 December 2010
15 December 2010
Legal &General were proud winners at the Estate Agency of the Year awards 2010.
14 December 2010
13 December 2010
Legal & General has today released an update to its mortgage sourcing iphone app for its mortgage club members.
13 December 2010
13 December 2010
This month's MoneyMood Survey from Legal & General shows that the majority of UK households are limiting the amount they will spend on Christmas with eight in 10 saying they expect total spending (includes all Christmas expenditure) to be no more than last year, and almost a third (30 per cent) planning to spend less than in 2009.
10 December 2010
New research conducted by Legal & General in conjunction with the Institute of Directors, shows that the Business Protection Gap remains the same.
09 December 2010
08 December 2010
Allstate Northern Ireland, the largest IT Company in N Ireland, has launched a payroll Company ISA provided by Legal & General WorkSave.
29 November 2010
"The Money, Money, Money programme"
"Money, Money, Money" provides help to over 1,000 Year 10 students (14 and 15 year olds) a year to prepare them for adult life and to understand the value and management of money. It is a joint venture between Legal & General and education consultants Magnified Learning supported by volunteers from the company's staff.
29 November 2010
WorkSave Choice and WorkSave Pension Trust.
Legal & General today announced two new initiatives, designed to meet the auto enrolment challenges facing employers - WorkSave Choice, designed to manage the process for enrolling or opting out of auto enrolment into a trust based qualifying pension scheme, and WorkSave Pension Trust, which provides a qualifying pension scheme that can offer refunds of contributions for short service leavers.
29 November 2010
Legal & General are keen to dispel the myth that a high percentage of clients get rated before their policy goes on risk.
24 November 2010
Legal & General has released two more episodes of the "The Cash Family Challenges", which help employees gain an understanding of debt, how to deal with their finances, managing money and finding financial help. The two latest episodes are;
Sam Cash gets rich - inheriting £6,500 Sam is unsure what to do with the money left after paying her debts - what would you do?
Anna Cash wants a home of her own - how does she go about it?
23 November 2010
Legal & General gives views on the MMR distribution proposals put forward by the FSA.
19 November 2010
Legal & General and West Sussex Credit Union teamed up during October to increase the number of people they help get out of debt. The Credit Unions are the experts in helping people restore their finances and start saving again.
17 November 2010
In last month's MoneyMood Survey from Legal & General we revealed that half of UK households, around 11.5 million homes, are budgeting on a fine balance between managing to pay bills and sinking into debt. Our research also shows almost a third (30 per cent) of all households have to find extra money to pay for unexpected bills each month. The average amount of the unexpected bills for those households over the 4 weeks prior to our research was £178.
17 November 2010
The Legal & General Network* has launched a new enhancement to their Network proposition.
16 November 2010
09 November 2010
General Insurance
09 November 2010
09 November 2010
01 November 2010
Legal &General have launched a three year partnership programme with the charity Shelter, who are one of their strategic partners, to provide free, independent legal advice to people across West Sussex.
29 October 2010
Legal & General's WorkSave pension was selected by Alliance Boots, a leading international, pharmacy-led health and beauty group, as the company pension for its UK employees.
28 October 2010
Legal &General have launched a new Specialist Report service with Specialist Xpress (SX) as part of their Network proposition.
28 October 2010
Legal & General has launched the 'Portfolio Regular Investment Plan' (PRIP), a qualifying regular premium investment plan. The plan offers a complementary investment option for retirement planning as it allows considerable flexibility to take benefits tax-free.
27 October 2010
Legal & General are pleased to provide access to a Pre-Paid Funeral product provided by Dignity.
27 October 2010
20 October 2010
The fourth plan in Legal & General's series of structured deposit bonds, 6 Year Growth Deposit Bond 4, is available to IFAs for a limited 10 week period from Monday 18 October to Friday 24 December 2010. The structured deposit offers savers the potential for capital growth and is designed to pay back their original capital provided they remain invested for the 6 year fixed term.
19 October 2010
Legal & General Savings, the retail pensions and investments business of Legal & General Group Plc, has appointed Geoff Towers in the new role of MD Platforms and Distribution, which will focus on delivering the company's adviser business transition to RDR.
Geoff will be responsible for intermediary distribution and the delivery and expansion of our platforms, products and services for IFAs. He will report to Mark Gregory, Executive Director (Savings).
19 October 2010
General insurance
19 October 2010
18 October 2010
Legal & General research has estimated that the UK business protection gap is £1.1 trillion*
15 October 2010
15 October 2010
The latest MoneyMood Survey from Legal & General shows around 2.8 million households are worse off now than they were just 3 years ago. The research shows a marked drop in "Expense cover", the number of households who say they have some money left after paying bills each month, compared to 2007.
[To view the chart showing the drop in "expense cover" please click on the link to download the MoneyMood Survey ® Expense cover file on the right]
14 October 2010
13 October 2010
Legal & General Mortgage Club has launched an exclusive two-year fixed rate mortgage at 2.89%, provided by Northern Rock. This mortgage is only available through mortgage advisers that are part of Legal & General Partnership Services Ltd (LGPSL), the mortgage network.
08 October 2010
Legal & General and West Sussex Credit Union have teamed up during October to launch a campaign targeting 485,000 working age adults within Sussex.
07 October 2010
Legal & General today welcomes back Paragon Mortgages to the Buy to Let mortgage market.
06 October 2010
Legal & General Adviser Confidence Index Q3 2010
06 October 2010
Legal & General launches Priority Protection today, an enhanced Protection proposition for clients with higher sum assured protection needs.
05 October 2010
30 September 2010
General Insurance
29 September 2010
The MoneyMood Survey from Legal & General reveals a worrying shift away from longer-term saving, such as saving for a pension, as short-term needs outweigh the need for retirement planning.
28 September 2010
Legal & General has signed a new sponsorship programme with the British Heart Foundation (BHF) to support its Health at Work programme.
24 September 2010
Legal & General is pleased to announce a new will writing service as a result of their existing partnership with Final Duties, Independent Probate Brokers.
20 September 2010
16 September 2010
15 September 2010
Legal & General has released two more episodes of the "The Cash Family Challenges", which help employees gain an understanding of debt, how to deal with it, prioritise repayments and set about finding financial help. The two new episodes are;
ANNA CASH NEEDS TO BALANCE HER BUDGET - Anna Cash has recently become a mum, and it's made her think about money in a different way.
JONATHAN CASH HAS GONE INTO THE RED - Jonathan Cash has noticed a number of charges in his bank statement and wants to know what he can do about it.
14 September 2010
Legal & General are pleased to announce the launch of a new true Online Tranche Management (Fund Booking) System to help mortgage intermediaries who are members of the Mortgage Club to secure funds for their clients.
14 September 2010
The latest MoneyMood Survey from Legal & General shows a marked increase in the number of men who say they're saving "in case I lose my job", rising to four out of ten men (40 per cent) in August.
13 September 2010
Legal & General are pleased to announce a partnership with Islamic Bank of Britain (IBB) to offer two new mortgage products available to intermediaries.
13 September 2010
Legal & General is the only company that incentivises employers for early notification of long term absences, (those over four weeks) by the sixth week of absence.
08 September 2010
The number of applicants being accepted at the point of sale, without the need for medical evidence has improved as a result of the continued development of Legal & General's new online quote and apply system, OLP Connect.
08 September 2010
Legal & General is pleased to announce that the Leek United Building Society has recently joined the Mortgage Club.
08 September 2010
Legal & General has launched the 'Select Portfolio Bond', a single premium investment bond designed to help advisers making the transition towards selling investments in the RDR world in the run up to the end of 2012.
Select Portfolio Bond has no initial or establishment charge and no early surrender charges. The bond's unbundled charging structure allows advisers to agree a level of remuneration with clients, which can then be clearly matched to equivalent charges and applied to client illustrations.
07 September 2010
In the latest MoneyMood Survey, Legal & General today reveals that the number of women who say they're in the mood to save has increased steadily over the last two years, while the number of men (who say the same) has dropped.
The percentage of women who say they are in the mood to save has increased to 64 per cent from 59 per cent at the beginning of last year. However, the percentage of men who say they are in the mood to save has fallen to 56 per cent (59 per cent in 2009).
06 September 2010
03 September 2010
The Cambridge Building Society is the latest lender to join Legal & General's Mortgage Club.
01 September 2010
Legal & General has launched the third plan in its series of 6 year deposit bonds, which offer savers the potential for capital growth linked to performance of the FTSE 100 Index plus the security of knowing their original capital is protected at the end of the fixed term. The new product, 6 Year Growth Deposit Bond 3, is available to IFAs for a limited 8 week period from Monday 23 August to Friday 15 October 2010.
23 August 2010
Legal & General's Multi Manager proposition has improved its perfomance since October 2009, according to new research carried out by NMG Financial Services Consulting in their IFA Census report in May 2010.
20 August 2010
General Insurance - home safety
12 August 2010
OBSR the independent fund rating service has awarded Legal & General's Multi Manager top decile performing funds an 'A' rating for performance.
12 August 2010
06 August 2010
Legal & General Insurance unveil free personal security iPhone app
05 August 2010
Legal & General Savings, the retail pensions and investments business of Legal & General Group Plc, has produced a record rise in IFRS operating profit in the first half of this year following the acceleration of our Savings business strategy in 2009 and successful introduction of several new RDR style products.
Overall sales (expressed as annual premium equivalent, APE) are up 36 per cent in the first half of 2010* while IFRS operating profit is up 217 per cent compared with the same period last year.
04 August 2010
04 August 2010
Legal & General's Risk Business has announced today that IFRS operating profit has improved significantly over the same period in 2009.
04 August 2010
04 August 2010
Legal & General launches a new FTSE® Early Bonus Plan 5 which offers an attractive return for investors based on the performance of the FTSE® 100 index over the term of the plan.
02 August 2010
23 July 2010
General Insurance
22 July 2010
14 July 2010
General Insurance
14 July 2010
A new structured product is launched from Legal & General giving customers the potential for capital growth at maturity on a five year investment.
06 July 2010
02 July 2010
01 July 2010
Bright start to the year fades
29 June 2010
Barratt, the biggest house builder by volume in Britain, has selected Legal & General to provide the UK's first Company ISA (CISA) plan for employees, the Barratt ISA, which launches today.
28 June 2010
28 June 2010
Legal & General Pensions strategy director, Adrian Boulding has been seconded to the DWP independent review of auto-enrolment announced today, 24 June 2010.
Adrian will be working on this important review for the next 3 months looking at how to make auto-enrolment work.
The review will investigate how auto-enrolment will affect different types of employee, company and specifically look at the role of NEST in the pension reform package.
24 June 2010
21 June 2010
General Insurance
16 June 2010
16 June 2010
11 June 2010
11 June 2010
10 June 2010
02 June 2010
The Legal & General Multi Manager business has recently passed its second anniversary and achieved a strong performance over that period, significantly outperforming the benchmarks.
02 June 2010
24 May 2010
24 May 2010
21 May 2010
Legal & General launch two more new structured products in a series of new products designed to meet the needs of investors.
20 May 2010
Legal & General Launches a new 6 Year growth Structured Deposit Bond- this product offers investors the opportunity to benefit from the performance of the FTSE whilst ensuring capital protection.
19 May 2010
In a further development of its Workplace Savings Platform - WorkSaveTM - Legal & General has launched an innovative series of interactive educational modules on its Workplace Benefits web site.
The WorkSaveTM Platform provides secure online access for employees to a range of attractive employee savings products.
The modules are designed to educate employees on a wide range of financial subjects designed to help them make informed financial decisions about managing their own savings.
12 May 2010
LEGAL & GENERAL INVESTMENTS, the retail unit trust investment arm of Legal & General, has produced a record rise in sales in the first quarter of this year with more than £1 billion invested in retail funds.
Total retail fund investment is up 92 per cent in the first quarter of 2010* while ISA sales are up 51 per cent compared with the same period last year. The top selling retail fund is the Legal & General Dynamic Bond Trust and the top selling fund in the ISA sector remains the Legal & General UK Index Trust.
12 May 2010
05 May 2010
05 May 2010
05 May 2010
04 May 2010
30 April 2010
20 April 2010
20 April 2010
16 April 2010
14 April 2010
13 April 2010
Legal & General is pleased to announce the launch of a new With Profits bond that includes 5 and 10 year guarantee options - the Capital Control Bond is available from the beginning of April.
09 April 2010
The number of people who say they're saving for a pension has shown a significant rise compared to this time last year, according to figures in the latest MoneyMood Survey from Legal & General.
In 2009 1 in 5 respondents (20 per cent) said they were thinking of saving for a pension. Whereas this year the figures show that almost 1 in 3 (32 per cent) people say they're thinking of saving for a pension.
09 April 2010
08 April 2010
07 April 2010
06 April 2010
26 March 2010
26 March 2010
23 March 2010
In the first MoneyMood Survey of 2010, Legal & General today reveals that the mood of the nation now is definitely one of saving (61 per cent) rather than spending (26 per cent). But there is a marked difference in the responses from women and men.
22 March 2010
17 March 2010
10 March 2010
£152million paid out in 2009
10 March 2010
03 March 2010
Legal & General, one of the UK's largest stocks and shares ISA providers1, anticipates the run up to the end of the 2009/2010 tax year is likely to show a marked return to stocks and shares ISA investment by individual savers.
01 March 2010
23 February 2010
Legal & General today announces bonus rates for With Profits customers after delivering a return in 2009 of 14%, before tax, on assets managed for investors.
18 February 2010
17 February 2010
17 February 2010
17 February 2010
Housing and GI
15 February 2010
15 February 2010
General Insurance
12 February 2010
11 February 2010
08 February 2010
Protection advisers in buoyant mood
08 February 2010
Both residential and buy-to-let borrowers more inclined to take a tracker
04 February 2010
03 February 2010
02 February 2010
01 February 2010
28 January 2010
27 January 2010
18 January 2010
Legal & General is starting the New Year with the launch of its FTSE® Growth Plan 2 and FTSE® Early Bonus Plan 2 in the independent financial adviser (IFA) market this month.
From Monday 11 January these two FTSE® 100 Index linked plans will be available to IFAs via Legal & General Adviser Direct; our specialist sales team dedicated to providing high quality support to independent financial advisers (see contact details below).
11 January 2010
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© Legal & General Group plc 2015


text:
The Housing Authority of the City of North Chicago is a Section 8 and Public Housing Public Housing Agency in North Chicago, Illinois.
The Housing Authority of the City of North Chicago serves North Chicago.
As of the most recent VMS report, Housing Authority of the City of North Chicago manages 363 active Housing Choice Vouchers.
The following is a summary of the types of vouchers managed and the monthly costs of each:
|Family Unification
|Ported Out
|Monthly Cost Per Voucher
|Monthly Cost
According to the 2016 Q4 Picture of Subsidized Households database, the housing authority's voucher program has an annual turnover of 13% having issued approximately 25 vouchers in the past year. The average voucher holder has received housing benefits for 7 years and 4 months. According to the 2016 PSH database, persons who were issued a voucher in the preceding 12 months waited an average of 15 months on the waiting list1.
According to 2016 Q4 Picture of Subsidized Households data, the average voucher household contains 2.8 persons and has a household income of $12,748 per year. 96% of households were very low income (VLI) and 79% were extremely low income (ELI). 39% of households had wages as a major source of income, 3% of households had welfare (TANF, General Assistance or Public Assistance) as their primary source of income, and 45% of households had other income (Social Security, Disability or Pension) as their major source of income.
6% of households were headed by a person 24 years old or less, 68% were headed by a person 25 to 49 years old, 18% were headed by a person 51 to 60 years old, and 8% were headed by a person 62 years old or older. In addition, 0% of households were headed by a person 85 years old or older.
63% of households included children, 1% of which had two adults in the household. 61% of households with children have a female head of household. 90% of all households were headed by a female.
98% of all voucher households were headed by minorities with 93% of all heads of households being Black and 1% being Hispanic.
Of all households participating in the Housing Authority of the City of North Chicago Housing Choice Voucher program, 14% include at least one person with a disability. 25% of households with a head of household 61 years or less were headed by a person with a disability. 77% of households headed by someone 62 or older were headed by a person with a disability.
14% of voucher holders reside in a home with zero or 1 bedroom, 34% with 2 bedrooms and 52% with 3 or more bedrooms. 24% of voucher recipients are considered overhoused, meaning they occupy a rental unit larger than their family size requires.
The average monthly tenant contribution to rent by Housing Authority of the City of North Chicago voucher holders in 2016 was $309 and the average monthly HUD expenditure per voucher holder was $720. The average utility allowance across all voucher recipients is $148.
1. This Picture of Subsidized Households data field is the average wait time of those who received a voucher in the preceding 12 months. Due to special voucher programs like VASH, recent waiting list purges, or waiting list preferences the average wait time can vary significantly from one year to the next and it is entirely possible many current applicants on the waiting list have been waiting for assistance for far longer.


text:
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Words and interview by Krystal Luster Originally from Liverpool, England, Natalie Loren Kwatinetz and her family moved to London, where she was soon discovered by various photographers. As fate would have it, Natalie crossed paths with the late Bob Carlos
Words + Interview by: Krystal Luster Brooklyn native, and lover of all things music, Chetti is using her musical talents to connect with others across the world. When she isn't working in the studio, blowing up the stage, or jotting
Interview By Moses Gates Can you tell our readers who you are, where you're from, and how you got into music? My name is Kehoa York. I am from Detroit, Michigan by way of Atlanta. I come from a musical
Words and interview by Krystal Luster Success is one of those things you can't define by one definition alone. Some associate their success by fame and fortune, but then there are those who credit their success more to the people


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This platinum engagement ring setting will accommodate a round diamond weighing approx 1.00ct. The mounting is bead set with 30 round full cut diamonds, graded H-I color/VS-SI clarity. This mounting will hold a beautiful diamond and will be a classic engagement ring with accents.
This item is in very good condition!
Weight approx: 4.6 grams
Top height approx: 6.5mm
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Ring Size: 6 1/2 (sizable)
This item has been professionally appraised for $1,000.00


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What does it mean when religious people describe atheists as angry or militant? Why do non-believers often describe the religious as stupid, ignorant and batsh*t crazy? Do we have to respect others' beliefs? What is the difference, if any, between respecting the person and respecting their beliefs?
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Marketing in the Facebook Era: Preparing for a New Kind of Customer Relationship
The holy grail for marketers is a 100% response rate for their campaigns and the results are in: response rates go up dramatically when communication feels personalized or is endorsed by a friend. Learn why Facebook is transforming the marketing discipline and see how to use social networks to transform your marketing funnel with increased leads, conversions, and word of mouth.
* Clara Shih, Author of The Facebook Era and CEO of Hearsay Labs


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Small banks must start offering incentive plans if they want to attract and keep outstanding personnel, says Dale Arahood, a Wheaton, Ill.-based consultant.
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Look, the god's honest truth is that people can believe in whatever they want and still call themselves Christians, as far as I'm concerned. I was raised in the UCC and now attend an Episcopal church, and both denominations, as NHB mentioned, are VERY liberal about the beliefs of their members. For all intents and purposes, I am currently still a Christian. But I have a hard time convincing myself that this label fits anymore, since I don't believe in Jesus' divinity or resurrection. Can I continue to call myself a Christian? Sure. But I think very close to 100% of Christians would say that I've discarded THE core tenant of that religion and done the one thing that will remove me from God's favor. Does that mean that I'm banished from Christianity? No. Many churches would still accept me (and likely try to get me to change my mind).
Jim, Spong is interesting to me and I plan on doing some reading. Sorry that I got your beliefs jumbled up. And I indeed misstated when I said it's a fact that all people who call themselves Christians share a belief in Jesus as the Christ. It's just my opinion that if you remove the Christ part of your beliefs, you no longer fit the definition of a Christian. And I say that as one who would be excluded from Christianity if the rule were enforced.
NHB is right, we've drifted into what constitutes a Christian, and away from the original question of the poll. I maintain that if a church is a proponent of the divinity of Jesus, they are a Christian church, regardless of the other claptrap with which they surround that belief. When they cease to worship Jesus as the resurrected son of God, they cease to be a Christian church, in my most humble opinion.


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Graduate study
The Wilin Centre for Indigenous Arts and Cultural Development has a number of different graduate programs for established artists and cultural practitioners.
Master of Fine Arts (Indigenous Arts and Culture)
This course offers the opportunity to undertake independent research and develop advanced skills in Indigenous Arts and Culture. A multidisciplinary course, students' creative works can take the form of performances, writing, film, video and multimedia (cultural or otherwise).
Students will be supported by a supervisor and create a final thesis which can be a combination of Major Project and Dissertation.


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Sentry Fire Safe Chest $64.49 at officeworks. You know you should have one!
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TOPICS: Shopping
3 comments
- sandgroperNobody likes to think of what happens if your home catches fire but at this price you can be fairly sure that all those insurance documents and that wad of $$ you had under the bed will be safe and sound after the event.
- admin EDITOR:D - doesnt matter that you'll lose all your more valuable information on your computer - those doco's will be safe.
- nodDo they make one big enough for your lappy? Or you could just make sure you could fit your external hdd in one ;)


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Manager, Human Resources
Blizzard Entertainment is looking for an experienced and innovative human resources manager to join our human resources team in Irvine, CA. This role will be part of the HR story & franchise development team and will be responsible for assisting in all functional areas of human resources. This position will report to the Human Resource Director supporting story & franchise development.
- Serve as a dedicated resource to the cinematic team by helping to create a supportive and innovative HR programs to suit the team's initiatives
- Assess, deliver, and facilitate human resources programs, employee communications, management/leadership development, performance management/talent planning, employee relations, compensation and benefits.
- Help drive succession planning and individual development plans with team leaders.
- Responsible for supporting the team's employee opinion survey efforts by helping create and drive the action plans.
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- A minimum of 8 years' progressive experience in human resource generalist roles
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- Creative problem solving / process improvement mindset – contribute ideas for making things more efficient and / or higher quality
- Talent for diplomatic, unbiased communication, both written and verbal
- Demonstrated business-based mindset through delivery of human resources services
- Comfortable and experienced in presenting to executives
- Ability to influence and guide leaders towards the best course of action
- Able to excel in an ever-changing environment using an entrepreneurial mindset
- Strong working knowledge of Microsoft Office, including Outlook, Word, Excel, Visio and PowerPoint
- Experience working in entertainment and with creative talent
- PHR or SPHR certification for California preferred
Meet Some of Blizzard Entertainment's Employees
Ely C.
Lead Environment Artist
As a lead environment artist, Ely guides his team of artists as they flesh out and paint the organic elements that compose the landscapes throughout World of Warcraft.
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3 Bedroom House in Crestholme
Kim Webster
Harcourts-Upper Highway
3 Bedroom House in Crestholme
R 1 750 000Can I afford this?
Fancy a brand new house? This large family home is nearly complete - just waiting for you to choose your finishes by negotiation with the developer.......
Tucked away in a leafy valley in Upper Highway's burgeoning new suburb of Crestholme, this large split level home offers spacious open plan living rooms interleading with the covered verandah outdoors, a study/TV lounge, and kitchen with separate scullery/laundry.
3 double bedrooms, the master en suite, an extra large double garage below the house and best of all, adjoining the double garage is either a super games room with guest loo attached or the option for an easy bedsitter granny cottage. You choose!
Crestholme is Upper Highway's best kept secret with the gorgeous natural beauty of towering trees and lush vegetation, a country lifestyle away from city madness set to become a growth node in the very near future. Massive development in shopping facilities and roads is already underway. Get in on the ground floor!
The information herein is correct to the best of our knowledge as provided by various parties, however errors and omissions excepted.
Key Property Features
Email the Agent or request the agent Call You Back should you require any further details.
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|Loan Value (Capital)
|Total Interest
|Total Repayment
Experience Hillcrest
Nestled in the Valley of a Thousand Hills, Hillcrest has a slightly cooler and less humid climate than other parts of Durban. It's a family-friendly suburb, with many private schools, parks and kid-friendly restaurants. Estate living is very common, with many estates boasting well-kept golf courses. Built amongst rolling hills, houses have magnificent views of the valley and lush, surrounding hills. Just 30 minutes from Durban city centre, Hillcrest is away from the hustle and bustle. The area has a great sense of community, and a mix of country and cosmopolitan lifestyles.Find out more about Hillcrest
Similar Property for Sale in Crestholme
3 Bedroom House in Crestholme
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Apply for a Home Loan


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|Property type
|Minimum Stay
|2 - 4 nights
Cottage #38 in Steinhatchee Landing Resort
For stays between now and June 8, 2018, buy 2 nights and get the 3rd night free! This offer is not good during holidays or special events.
Angels' Attic is a beautiful honeymoon cottage suitable for a weekend lovers' retreat or a week's vacation. If you are looking for a unique place for a wedding, the renewal of your vows or a romantic time away, this is it! The Landing has a beautiful chapel and conference center available, and Angels' Attic is the perfect cottage for the bride or the loving couple, including a church bell in the tower of the cottage.
Being the largest honeymoon cottage in Steinhatchee Landing (an additional 200 sq. ft.), Angels' Attic is the only one providing a separate bedroom and living area. The arched entry with a high vaulted and beamed ceiling welcomes you into a spacious living room with TV, DVD and surround sound, and full kitchen including a dinette and breakfast bar.
The double French doors in the living room open to the bedroom, showcasing the unique Claudio-Reyes hand-forged iron bed and nightstands from Argentina. Dressed with elegant linens and a cozy quilt or comforter, the one of a kind bed adds another touch of romance to the cottage.
The 2 sided gas fireplace in the bedroom is shared with the bathroom's state of the art Ultra Therma tub for 2, allowing for a relaxing bubble bath at the end of the day. Luxurious bath robes are provided for your use, as well as Key West Aloe bath products, specialty soaps, hair dryer and make-up mirror. For a perfect evening, dim the lights, sip your favorite beverage and let the bubbles relax you.
The second set of French doors open from the bedroom to the large screened porch overlooking Kings Creek. Cuddle up on the swing or sit in the comfy chairs around the table and enjoy the lush natural landscape, the sounds of birds and owls, and the squirrels playing in the trees. Let Steinhatchee do what it does best.....allowing you to enjoy what Mother Nature has provided.
The resort provides many amenities: a new pool, Jacuzzi, work-out area, tennis court and basketball court as well as a small petting zoo with goats, chickens and ducks.
There is a boat dock with approximately 22 boat slips available on a first-come, first-served basis, with plenty of parking in the resort for your boat trailer.
Come to scallop, fish, canoe, kayak, renew your love, or just kick back and unwind. For whatever reason, come, relax, put your feet up and enjoy your time away. Come to 'Old Florida' --- have a time to remember --- you'll love it!
(Angels' Attic is cottage #38 in the resort)
Keywords: Cottage
This was our second stay at Angel's Attic. As before, we enjoyed ourselves. The cottage is clean and unique. View from back porch is quite relaxing.
Perfect for a romantic getaway. Can't wait to go back.
This is the second time we have rented this cottage, and each time we have a terrific, relaxing stay in Steinhatchee. Trish is extremely responsive, and this time I actually had the pleasure of meeting her. The cottage is very clean, no dust, well maintained and features a comfortable king bed and sunken whirlpool tub/shower. There's a nice screened porch on the back with a porch swing and glass dining table. This trip was for scalloping, and we were able to dock our boat within the Landings for extra convenience. While we ate out one night, we prefer to plan meals to eat at the cottage, particularly after being out on the water all day. We limited out on scallops each day, and came back to Angels Attic for a relaxing tub bath and quiet evening. The Landings can't be beat for amenities to keep both adults and children happy. And Trish is a responsive owner who wants to make sure that this cottage is one you will remember as quaint, comfortable and enjoyable.
Steinhatchee Landing is a resort that gives you the best of old Florida. This cottage, nestled among the white oaks and cedar trees, provided a relaxing three-night stay that we never wanted to end. It's just a short walk to the river. past other well-kept properties, across the creek, and by the petting zoo.
Angel's Arric is the perfect getaway for a couple. Our favorite spot was the spacious swing on the back screen porch overlooking the creek.
Nicest place in Steinhatchee!! Everything we needed was right there!
We stay in Steinhatchee often and always use Steinhatchee Retreats aka Trish and Patty for our bookings. They are so easy to work with, if there is any thing that is needed they are on top of it. You will never be disappointed with with this team. Very professional! Book with complete confidence.
Angels' Attic is the perfect couple's getaway, honeymoon or forty years later. It has the perfect amount of space (we were there two weeks) and privacy. It is very clean and well-maintained. The owner is terrific. The kitchen is beautifully equipped and modern. The living room has comfortable furniture and a great corner for reading. The king bed mattress is wonderful. The porch is large and comfortably furnished. Also wonderful seafood in the restaurants nearby. We loved it and would definitely recommend it!
Steinhatchee is known for Fishing and scalloping. Scallop season is July 1st - September 25th. (Each year start date may vary. Check with us for exact date). Bring your boat or charter one at the local marinas. Information on charters provided upon request.
|Cleaning Fee
|Pet Fee
|Damage Deposit
Rates are subject to change until reservation is confirmed.
3 Night minimum for holidays