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Subaru Forester
2.0D XC 5dr 4WD One Owner FSH
Finance Deals
Please contact us for the most up to date finance dealsFinance Enquiry
01364 681068
Vehicle Description
One Owner FSH. Comes with 12 Months Subaru Warranty. Great Condition. Part Exchange Welcome. Finance available details on request. 7.9 % APR.Heated Front SeatsRear View CameraElectric Sliding SunroofBluetooth Handsfree Phone Connection17" Alloy WheelsCruise ControlElectric Folding Door MirrorsFront Centre ArmrestHeated Door MirrorsRemote Central Locking + DeadlocksSelf Levelling SuspensionCloth Upholstery3 Rear Seat Head RestraintsService Interval IndicatorRetractable Luggage CoverBody Colour Bumpers6 SpeakersReclining Rear SeatsCentre Console Storage BoxSide AirbagsAutomatic HeadlightsThree 3 Point Rear SeatbeltsFront And Rear Electric WindowsInterior Fuel Flap ReleaseRoof AntennaSpeed Sensitive Power SteeringFront Map Lights2 Rear Cupholders In Centre ConsoleFull Size Steel Spare WheelSteering Column Support BeamWindscreen Wiper De-icerHigh Intensity Discharge (HID) HeadlampsChildproof Rear Door LocksOverhead ConsoleRear Seat Heater DuctsSVDC - Subaru Vehicle Dynamics ControlIntermittent Front And Rear Wash/wipeUV Reducing Glass3 X 12V Power SocketsIsofix Child Seat PreparationDriver/passenger Vanity Mirrors With CoversDoor Pockets With Bottle HolderFront Head RestraintsLuggage Area LampRoof SpoilerHeight Adjustable Front Seatbelt AnchorsFront Fog LampsFront And Rear Curtain Airbags8 Way Electric Adjustable Drivers SeatLeather Steering Wheel And Gear KnobMulti-information Display4 Channel ABSSilver Roof RailsDual Stage Driver/Passenger AirbagsEBD + Brake AssistTilt/telescopic Adjust Steering WheelSeat Back PocketsAutomatic Rain Sensing WipersRemote Thatcham Cat 1 Alarm/immobiliserSteering Wheel Mounted Audio ControlsDrivers Knee AirbagHill Start AssistFront Seatbelt Pretensioners + Load LimitersFront Sports GrilleDual Zone Automatic Air ConditioningDaytime Running LightsDefroster Vents For Front And Side Windows2 Cupholders In Front Centre ConsoleDriver And Passenger Seatbelts With Warning Light4 Cargo Hooks60/40 Split Folding Rear SeatPop-up Headlight WashersWIL Whiplash Protection Front SeatsUSB/aux Input Socket2 DIN Audio System With Single CD
- Engine Power: 147 bhp
- Engine Torque: 258 lbs/ft
- Cylinders: 4
- Valves per Cylinder: 4
- Top Speed: 118 mph
- Acceleration (0 - 62 mph): 10.2 seconds
- Fuel Consumption (extra urban): 54.3 mpg
- Fuel Consumption (urban): 38.7 mpg
- Fuel Consumption (combined): 47.9 mpg
- CO2 Emissions: 156 g/km
- Length: 4595 mm
- Height: 1735 mm
- Euro Status: EURO 5
- Seats: 5
- Towing Braked: 2000 kg
- Min Kerb Weight: 1556 kg
- NCAP Safety: 86
- NCAP Overall: 5
Vehicle Specification
Body Glass
Driver Aids
Driver Convenience
Driver Information
Driving Mirrors
Exterior Body Features
Exterior Lights
Interior Features
Interior Lights
Wheels - Alloy
Wheels - Spare
With PCP you can keep your monthly payments low by deferring a significant proportion of the total amount of credit to the optional final payment at the end of the agreement. At the end of the term, you can either pay the optional final payment and own the car, return the car to Subaru Finance - if you've not exceeded the maximum agreed annual mileage and the car is in good condition (fair wear and tear accepted) you will have nothing further to pay, or part exchange the car for a new Subaru (subject to settlement of your existing agreement, new agreements are subject to status).
PCP Representative Example
Terms & Conditions
Representative Example based on 6,000 miles per annum.
Credit available subject to status. UK residents 18+. Subaru deposit contributions only available with Subaru Personal Contract Purchase on the specific models stated. This offer excludes fleet and Members Affinity scheme sales, is only available through participating Subaru dealers and is not available in conjunction with any other offers unless specified. Crystal White Pearl special paint finish free of charge across all models. Other special paint finishes charged at £550.00 which is not included in finance example.
This credit offer is only available through Subaru Finance provided by International Motors Finance Limited, St. William House, Tresillian Terrace, Cardiff CF10 5BH. We can introduce you to Subaru Finance & a limited number of lenders who may be able to provide funding for your vehicle. We may receive commission or other benefits for introducing you to these lenders. Offers may be varied or withdrawn at any time. Offer ends 31.12.2020. OTR price includes VAT, delivery, number plates, 12 months road fund license and first registration fee. Please consult your local Subaru dealer for exact quotation. With Personal Contract Purchase, once you have paid all of your regular monthly repayments you can either:
The Subaru Forester e-BOXER is available on 0% APR for one year on our 50/50 Finance Offer.
Pay 50% deposit; pay nothing for one year; then pay final 50% balance one year after the deposit is paid.
Models Available
Forester 2.0i e-BOXER XE Lineartronic
Forester 2.0i e-BOXER XE Premium Lineartronic
*Terms of Offer: 50% deposit followed by the remaining 50% paid in one payment after 12 months. Credit available subject to status to UK residents aged 18 and over. Excludes Mobility, fleet, BASC and Affinity Scheme sales. Available at participating dealers only. Not available in conjunction with any other offers. This credit offer is only available through Subaru Finance provided by International Motors Finance Limited, St. William House, Tresillian Terrace, Cardiff CF10 5BH. Offers may be varied or withdrawn at any time. Offer ends 31.12.2020.Reserve it Now Make an Enquiry
Limited time offer available until 31st December.Terms & Conditions Saving of £3,000 (incl. VAT) on a new 2.0i XE or 2.0i XE Premium Lineartronic Forester e-BOXER. Offer available on new Forester e-BOXER registered between 01.10.2020 and 31.12.2020, to a maximum of 150 vehicles registered during this period. Subaru reserves the right to amend or withdraw offers at any time without prior notice. Private customers only, not available in conjunction with any other offers. Excludes fleet and BASC and NFU Members Affinity Scheme sales. Available at participating dealers only.


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I'm a Celeb runner-up Andy Whyment has his fans calling out for a Christmas number one after his Coronation Street character Kirk Sutherland was caught singing on the soap and had his very own 'Rise and Shine' moment.
Kirk goes over to his friend Chesney's, who has just had quadruplets with his partner Gemma, as the couple struggle with their babies.
In an attempt to stop the babies from crying, the lovable Kirk picks up a guitar and begins to sing a song he wrote himself.
The babies fall soundly asleep, but viewers are now demanding Kirk reach number one in the Christmas charts with his song.
El Kirko for Christmas No.1! @andywhyment81 @itv @WeAreSTV #Kirk #Chesney #Paul #Gemma #Emma #Corrie pic.twitter.com/JhPu2uJrpX
— Coronation Street (@itvcorrie) December 16, 2019
Many viewers commented on his singing with one writing: 'Omg kirk ! Get that vindaloo song on Spotify.'
Another wrote: 'Kirk ain't that bad yanno I honestly think he'd be great entertainment for kids birthday parties"
A third wrote: 'Yes yes yes he must be Christmas number 1.'
Andy's singing abilities may not come as a surprise to some as he showed off his skills during karaoke night in the jungle performing 'Mr.Brightside' for his fellow campmates.
The jungle celebs, including Nadine Coyle and Roman Kemp, praised the actor on his performance as he kicked off the night.
If that wasn't enough, the actor was actually on the X Factor before. Back in 2017, Andy turned up on the stage, playing his Coronation Street character Kirk.
As he spoke with judge Simon Cowell, he explained he came from Weatherfield, worked in the knicker factory and had sung in The Rovers a couple of times.
He then proceeded to perform 'Sex On Fire' and got the entire audience on their feet.
Needless to say, we fully support a Christmas number one hit by Andy!

subset: commoncrawl


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BUY ONLINE at www.lingerieonline.co.nz
About Us
Contact Us
Lace Pantyhose
These champagne pantyhose, inspired by sensuality and glamour, radiate romantic flair that let you charmingly shine. Its opulent floral ornamentation shimmers in a breathtaking play of transparency that very lightly caresses you. A fine, narrow cuff provides for an ideal fit. Colour Champagne
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Flower Lace Thigh High
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Ride Schedule
Recent Posts
- Winter Solstice Coastal Ride December 22, 2019
- Lake Wohlford & Couser Canyon Ride Report December 19, 2019
- Coastal & RSF Ride Report December 19, 2019
Previous Posts
Daily Archives: July 27, 2014
Descenders Recovery Ride Report
Hi Gang, We did have a recovery ride planned today. The meeting spot was the 7-11 store. Guido and I met at the corner of Black Mountain and rolled over to Casa Voris out of habit, not expecting to see … Continue reading
Posted in Local Ride Reports
Oceanside ride (with Bonsall extension) report, July 26, 2014
Descenders, we had a fantastic ride today. The original plan was to do a coastal ride with a possible inland option to be discussed at a later time. Larry and I rode from the coast – I think this was … Continue reading
Posted in Local Ride Reports


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Wall Street stocks edged down from records early on Tuesday following mixed banking earnings and worrisome manufacturing data contrasted with strong US retail sales.
Shares of JPMorgan Chase, the largest US bank by assets, were slightly negative despite reporting record quarterly earnings as investors focused on the bank's lowered forecast for net interest income in anticipation of Federal Reserve moves to cut interest rates.
The Fed also loomed over a surprisingly strong US retail sales report, which jumped 0.4% in June to $519.9bn, more than twice the gain economists had expected.
"The key takeaway from the report is that it was a solid report overall and will diminish the prospect of a 50-basis points cut at the July 30-31 FOMC meeting," said Briefing.com analyst Patrick O'Hare.
However, the US manufacturing sector sunk into recession in June after two consecutive quarters of declines amid President Donald Trump's bitter trade wars and the slowdown in China and other trading partners.
About 35 minutes into trading, the Dow Jones Industrial Average was down a hair from Monday's record close at 27 357.51.
The broad-based S&P 500 slipped 0.1% to 3 012.60, and the tech-rich Nasdaq Composite Index also declined 0.1% to 8 253.77.
Among other companies reporting results, Goldman Sachs jumped 2.4%, while Johnson & Johnson lost 1.2%.


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COVID-19 PPP Loans Update
One of the highlights of the recent $2 trillion CARES Act is the Paycheck Protection Program (PPP). The PPP is a loan designed to provide small businesses with the funds necessary to navigate the effects caused by COVID-19. The PPP loans are being administered through the U.S. Small Business Administration (SBA) and in order to qualify, businesses must typically have less than 500 employees.
How does this exclude private equity in the middle market from obtaining relief afforded under the CARES Act? Most PE firms focusing on the middle market have less than 500 employees, but under the SBA's "affiliation" rules, businesses also should add an affiliate's employees to their total headcount.
The SBA has four control-based affiliation tests that are applicable to companies seeking relief under the PPP.
- Affiliation based on ownership.
- Affiliation arising under stock options, convertible securities, and agreements to merge.
- Affiliation based on management.
- Affiliation based on identity of interest.
Through the first two affiliation tests, a company may be deemed as an affiliate and thus included in the PE firm's total headcount.
The SBA is offering a "quick solution" where minority shareholders can irrevocably waive or relinquish existing rights that trigger affiliate status and may qualify for a PPP loan if done before applying. Another option is to amend governing documents, which may prove tricky considering the need for investor consent. Ultimately, there appears to be no easy fix for the problem at hand.
Currently, the Association for Corporate Growth (ACG) is tackling the matter directly with the U.S. Secretary of the Treasury and the U.S. SBA Administrator urging immediate resolution on the issue and should be lauded for taking up the charge to allow PE firms to seek relief. There are currently over 200,000 middle market companies in the U.S. and approximately 98% of them are privately held. In 2019 alone, fundraising broke the $130B barrier with an increase in 25% in capital raised.
There is no doubt that the middle market is the backbone of the U.S. economy and the liquidity, strategic management, and value creation that PE firms offer those businesses are a strong force in the overall success of operations. Changes to the current affiliation rules are necessary so that PE firms are able to seek relief and place their focus back on helping the middle market weather the COVID-19 storm.
It can be difficult to make sense of all the new legislation passed in the wake of COVID-19. Contact us to help you navigate through this pandemic and check out our COVID-19 Resources page for more information.
Related Posts
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Houston, TX (April 29, 2020) - Calvetti Ferguson is honored to be listed as a finalist for the third annual Association for Corporate Growth (ACG) Houston Deal of the Year awards in the consumer...
Calvetti Ferguson Sponsors Texas ACG Capital Connection
Houston, TX (March 2, 2020) – Calvetti Ferguson is proud to sponsor the 17th annual Texas Association for Corporate Growth (ACG) Capital Connection in downtown Houston. The Texas ACG Capital...


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Upcoming Classes
Homebuyer Education Workshop (2-day event) 12/3 and 12/4 (Spanish)December 3 @ 1:00 pm - 5:00 pm
Financial Fitness Workshop 12/4/20 (English)December 4 @ 9:00 am - 11:00 am
Rental Workshop 12/4/20 (English)December 4 @ 11:00 am - 12:00 pm
Skip the Trip: The sweetest path towards your future home!
Sweet skip-saving is back! Beginning today (October 1, 2020) throughout March 15, 2021, you can book the Homebuyer Education Workshop at EHome America (certified by NHSSF) for $39 off the original price.
Use the coupon code SWEETSAVE39 and start your path towards homeownership right now!
List of Services
- Covid Foreclosure Prevention webinars
- Managing Personal Finances webinars
- One on One Counseling for Homeowners
- One on One Counseling for Renters
- 8 Hour Homebuyer Certification Workshop
- PHCD Housing Counseling and Financial Fitness Counseling
- Financial Capability Coaching
- Construction and rehabilitation of affordable housing
- Homebuyer Loans
- Residential Refinance Loans
- Referral and Linkages to Covid Relief
Walk-In Hours
|Walk In Hours for Document Drop off only
8:00 AM to
|Walk In Hours for Document Drop off only
8:00 AM to
|Walk In Hours for Document Drop off only
8:00 AM to
|Walk In Hours for Document Drop off only
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|Walk In Hours for Document Drop off only
1:00 PM to
|Walk In Hours for Document Drop off only
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|Walk In Hours for Document Drop off only
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|Walk In Hours for Document Drop off only
8:00 AM to
|No Walk Ins
No Appointments
Office Closed
EHome America – Online homebuyer education at your own pace
Are you a mortgage-ready or a prequalified buyer? Do you need your homebuyer certificate now? Don't let anything stop you from becoming a homeowner!
Many first-time homebuyer programs and down payment assistance programs are going to ask you for a homebuyer certificate. Suppose you have an immediate need for a homebuyer certificate. In that case, you can participate in the EHome America Homebuyer Online 8-hour Workshop on your own time and immediately get your certificate.
President's Letter - November 3, 2020
I will go to bed tonight anxious, nervous, with a heavy heart, with so much uncertainty around who will be our next President, and when will we know. Leading up to the elections there were news reports of businesses boarding up, family members begging me to stay home, and friends asking why I went to work. My friends and family fear for my safety, especially now that I live in a battle ground state.
Creatively oriented toward service
Recently, NHSSF President and CEO, Kimberly T. Henderson, had a conversation with Cara Zimmerman, host of the Forum for Nonprofit radio show. She explained how NHSSF mission of helping stabilize and revitalize neighborhoods could be achieved by promoting homeownership and housing development.
Build the future with us
NHSSF seeks proposals from qualified developers having the technical experience and capacity to build a mixed-income workforce/affordable housing development on land currently owned by us. Read the full RFP of NHSSF Headquarters for more info (link below).
For over 40 years Neighborhood Housing Services of South Florida (NHSSF) has worked to strengthen communities in Miami-Dade and Broward Counties by:
Empowering individuals
Creating affordable housing opportunities
Revitalizing neighborhoods in South Florida
Our Mission
To collaborate with residents and other stakeholders to stabilize neighborhoods and develop sustainable housing.
We commit to:
- Increasing the availability of affordable, for-sale and rental housing.
- Bringing strategies to assist residents to navigate a complex and competitive housing market.
- Educating residents to become informed consumers in their housing choices.
- Offering a range of responsible mortgage products and Financial Wellness programs to put area residents on the path to property.
- Building aesthetically pleasing housing with interiors designed for the way we live today.
- Offering housing that is sensitive to the needs of protecting our environment while offering energy saving measures.
- Resident-driven revitalized neighborhoods where residents, businesses and local government choose to invest their time, money and energy.
- A holistic approach to affordable housing and community development that connects housing to other important systems such as transportation, health, food security, and the arts.
Properties for Sale by NHSSF
Affordable Homes in NW Miami
3518 NW 14th Court
in Lauderhill
7837 NW 41st Court
in Sunrise


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OSHA Resources
AMI and the U.S. Department of Labor's (DOL) Occupational Health and Safety Administration (OSHA) entered into an Alliance in September 2007 to maintain a collaborative relationship to create safer workplaces. The Alliance was renewed in 2017 with an emphasis on the development and maintenance of safety and health programs. The AMI MESH Committee meets regularly to develop safety tools, programs and initiatives geared to the mushroom farm community.
AMI Incident Report Form Template
Recording and Reporting Occupational Injuries
OSHA Consultation: How to Get Started


text: "Y-you like the chaos?" College AU! To save up money, you decide to join a house with 4 very interesting people - a pretty setter, a loud and emotional owl, a smart beanpole and a bedhead rooster. i don't own any haikyuu characters! read for a good time uwu (includes the 4 idiots, iwa-chan, bby teru and a bunch of cameos!)


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Start your free trial now, and begin learning software, business and creative skills—anytime, anywhere—with video instruction from recognized industry experts.
About the Author
Christos Obretenov is a shader architect and the CEO of LollipopShaders.Educated at Simon Fraser University with a BSc in computing science, specializing in computer graphics, Christos started contributing to the animation and film industry at Mainframe Entertainment in conjunction with Simon Fraser University. He continued his career by designing and developing shading software for Walt Disney's feature film The Wild, followed by shading and lighting for the films Superman Returns, Spider-Man 3, Beowulf, A Christmas Carol, Mars Needs Moms, and Life of Pi (which won the 2013 Oscar for Best Visual Effects). Since cofounding LollipopShaders, Christos and his team develops procedural solutions to shading and lighting, experimenting with physically plausible and nonphotorealistic shading. He teaches in-person workshops in rendering at such places as the Filmakedemie in Germany, FMX conferences, SIGGRAPH conferences, and School of Visual Arts in Shanghai. Christos resides in Vancouver, Canada.


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North Bay Water Recycling Program
33 Documents in ProjectDownload CSV New Search Print
- SCH Number
- 2008072096
- Lead Agency
- Sonoma County Water Agency
- Document Title
- North Bay Water Recycling Program
- Document Type
- NOD - Notice of Determination
- Received
- Posted
- 12/16/2009
- Document Description
- The North Bay Reuse Authority is proposing the North Bay Water Recycling Program (formerly known as North San Pablo Restoration and Reuse Project) to increase regional use of recycled water in the North San Pablo Bay region. The Phase I Implementation Plan will provide 3,757 acre ft of recycled water annually via implementation of 6.4 mgd capacity upgrades at the participating wastewater treatment plant, construction of 46.3 miles of conveyance pipeline, an additional 65 acre ft of storage, and 1,873 additional horsepower for increased pumping capacity. The portion of the project within Novato SD jurisdiction includes components of the Recycled Water System Expansion Project, including the Novato North and Central Service Area projects, which would increase tertiary capacity by 1.2 mgd at the existing tertiary treatment plant and or the Davidson wastewater treatment plant, increase pumping capacity by 258 horsepower, and require 9.8 miles of additional pipeline for conveyance of recycled water to serve the Valley Memorial Cemetery, Novato High School sports fields, and Stone Tree Golf Course, among other users.
- Contact Information
Mark Williams
Las Gallinas Valley Sanitary District
300 Smith Ranch Road
San Rafael, CA 94903
Phone : (707) 547-1923
- Cities
- Napa Novato Sonoma
- Counties
- Marin Napa Sonoma
- State Highways
- 101
- Waterways
- Several, North San Pablo Bay
Notice of Determination
- Approving Agency
- Las Gallinas Valley Sanitary District
- Approving Agency Role
- Responsible Agency
- Approved On
- Final Environmental Document Available at
- Sonoma County Water Agency 404 Aviation Blvd Santa Rosa, CA 95403
- (1) The project will have a significant impact on the environment
- Yes
- (2a) An Environmental Impact Report was prepared for this project pursuant to the provisions of CEQA
- Yes
- (2b) A Mitigated or a Negative Declaration was prepared for this project pursuant to the provisions of CEQA
- No
- (2c) An other document type was prepared for this project pursuant to the provisions of CEQA
- No
- (3) Mitigated measures were made a condition of the approval of the project
- Yes
- (4) A mitigation reporting or monitoring plan was adopted for this project
- (5) A Statement of Overriding Considerations was adopted for this project
- Yes
- (6) Findings were made pursuant to the provisions of CEQA
- Yes
Disclaimer: The document was originally posted before CEQAnet had the capability to host attachments for the public. To obtain the original attachments for this document, please contact the lead agency at the contact information listed above. You may also contact the OPR via email at email@example.com or via phone at (916) 445-0613.


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File No. PM2023
6″ Gorman Rupp diesel driven water pump
Price: $4,000 CDN or best offer
Powered by Detroit Diesel 3-53
Battery and fuel tank on the unit, runs as new.
Located near Port Dover, Ontario
Details are deemed to be correct but are not guaranteed and should be independently verified.
Please contact us for further information email@example.com
Scruton Marine Inc. Phone 519-583-1636
Return to index


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Auto Publishers Price Starting at
*Based on model year EPA mileage ratings. Use for comparison purposes only. Your atual mileage will vary, depending on how you drive and maintain your vehicle, driving conditions, battery pack age/condition (hybrid only) and other factors.VIEW OUR INVENTORY
All-new interior; sporty appearance; advanced technology features; solid performance for a small car
For 2010, the Dodge Caliber gets a number of changes. Last year's base 1.8L 4-cylinder engine has been replaced with a 2.0L 4-cylinder. An all-new interior design features a cleaner, more refined design theme, highlighted by detailed chromed accents, soft-touch premium materials and additional storage spaces. A new Sport Appearance package is available for the SXT and includes new 18-inch polished aluminum wheels, performance steering and suspension. Inside, a newly-designed instrument panel features a smoother look and includes additional cubby space, center storage bins and larger climate control impressions. Bright satin silver accents add contrast to the Caliber interior, while chromed accents brighten all vents, the shift bezel, door handles and cluster rings. New door-trim panels and center console armrests now feature padded soft-touch materials. Reclining seatbacks provide additional rear seat comfort. Once again, the MusicGate articulated tailgate speaker system is offered, along with Chill Zone beverage storage, a rechargeable flashlight, and Uconnect Navigation. Late in the 2010 model year, Dodge significantly reconfigured the Caliber trim lineup. While the SE, SXT and R/T remain available, Dodge added the Express, Mainstreet, Uptown, Heat and Rush trims and gave each one a different set of standard features. All but the Rush trim includes the standard 2.0L 4-cylinder engine. The Rush gets the 2.4L engine. The Express and Rush trims come with a 5-speed manual transmission standard. A continuously variable transmission is standard on the Heat and Uptown and Mainstreet trims.


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Marie-Eve completed her Ph.D. training in Jerry Pelletier's lab at McGill University. She then joined the Sauvageau lab in 2007, first as a postdoctoral fellow, during which time she studied the protein Ubap2l and identified its role in hematopoietic stem cell activity, and then as a research associate. She is now the Deputy Director of the lab. She is responsible for grant and paper writing, she is involved in scientific project design and lab management, and supervises students.
Deputy Director


text: Help children to create a cosy nest box for the garden. All parts are custom made and the nail holes are already drilled, so it just takes a hammer, a Phillips screwdriver and little time to assemble. Clear instructions make it easy for children to take the lead, with just a little adult supervision. Suitable for children and adults.


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Search results
Search results
Kalmbach Swine Internship
Kalmbach Swine Management, Ohio's largest pork producer, has an exciting, paid summer internship opportunity designed for college students with a livestock production career path. We are offering a three month summer internship at our sow farms designed t ...
Ohio Pork Council Scholarship
The Ohio Pork Council is pleased to offer three scholarship opportunities in 2021. Students entering their freshman, sophomore, junior or senior year in college are encouraged to apply. Applicants, or their parents, must be Ohio Pork Council members. Chil ...
BIYC with David Wirt
The Buckeyes In Your Corner Oct. 27 th event with David Wirt, our CFAES embedded counselor, has been successfully rescheduled for Thursday, November 12 th from 6:00-7:00 PM. He will be providing a workshop on how to manage our stress, motivation, and ...
How Animals Can Make You Sick: An Introduction to Zoonoses (VETPREV 5721)
A new undergraduate course, How Animals Can Make You Sick: An Introduction to Zoonoses (VETPREV 5721), is being launched in Spring 2021. This will be an online course at the entry level with asynchronous content (to allows for student flexibility) and s ...
2021 CFAES Peer Mentor Application
Apply today to become a 2021 CFAES Peer Mentor! Interested in helping to connect new students to OSU and CFAES? Then check out the CFAES Peer Mentor leadership program and apply here: https://go.osu.edu/cfaespeermentorapp2021. More information on the pro ...
Cargill Global Scholars Program
Calling freshmen and sophomores! The application is now open for the Cargill Global Scholars Program- a distinctive, 2-year scholarship and enrichment program providing financial support, mentorship, and the unique opportunity for U.S. college students to ...
November 30, 2020
Welcome to Week 15! ...
Pet of the Week
Daisy Mae is an Australian Shepherd, Chihuahua, Mountain Cur, and mutt via Embark. Her 2nd birthday is coming up on October 27. Daisy loves to hike and travel, by motorcycle especially! She has snooted all over the United States from South Carolina to Ar ...
Dianne Shoemaker
Dianne Shoemaker Courtesy Associate Professor firstname.lastname@example.com ...
1400 Food Lab
Experiential, food-forward events and meetings are on the menu at 1400 Food Lab. Bring people together through custom in-kitchen experiences and chef-prepared meals for executive retreats, training sessions, team-building and celebrations. 1400 Food Lab i ...


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We Are Who We Are (HBO, 10:00pm EST) — The gang's beginning to fall apart amid their disagreements about Colonel Wilson, who's tearing the base apart, which says a lot, considering that it's a microcosm of the United States at large. As troubles mount, Caitlin freezes her self discovery, but Danny plows full steam ahead with hit. This show is Call Me By Your Name director Luca Guadagnino's first stab at a TV series, and it will appeal to the Euphoria audience while they await Season 2.
Filthy Rich (FOX, 9:00pm EST) — Franklin heads to Mardi Gras, and it's not only for fun but a worthy cause? Alright. In the meantime, Margaret's annoyed by Reverend Paul and Eric, and Ginger gets pulled into that hot mess.
One Day At A Time (CBS, 10:00pm EST) — Alex and Penelope are at odds over practical matters while Schneider and Avery deal with an awkward Dr. Berkowitz situation. Then The Alvarezes get romantic with their significant others during the supermoon.
Late Night With Jimmy Fallon — Sterling K. Brown, Zoe Lister-Jones, Rina Sawayama
Late Night With Seth Meyers — Gwen Stefani, Giancarlo Esposito
In case you missed these picks from last week:
Borat Subsequent Moviefilm (Amazon Prime film) – Sacha Baron's most beloved character is back and still funny, even if racism in America isn't nearly as shocking in 2020. With this followup, formally titled Borat Subsequent Moviefilm: Delivery of Prodigious Bribe to American Regime for Make Benefit Once Glorious Nation of Kazakhstan, the "victims" become the performers, and Borat's "daughter" is along for the ride. You've heard about the Rudy Giuliani scene, so watch it now, and then check out Borat's response to Rudy's explanation, as well as Cohen's out-of-character remarks.
The Queen's Gambit (Netflix series) – This chess-centered drama is a surprisingly interesting and tightly paced show. It's also a meditation upon addiction and danger and what it means to be a champion, all wrapped up in a coming-of-age tale about a boozy grandmaster in the making. As fictional prodigy Beth Harmon, Anya Taylor-Joy's piercing gaze is here to demonstrate how a board game can look like a battlefield in Scott Frank's adaptation of the Walter Tevis novel. The supporting cast (including Marielle Heller as a tragic 1950s housewife, Moses Ingram as a kickass childhood friend, and Harry Melling and Thomas Brodie-Sangster as gameplay rivals) also crushes the game
How To With John Wilson (Friday, HBO 11:00 p.m.) — This comedy docuseries launches with John Wilson dissecting the careful balancing act of making small talk, with all its ups and downs. Wilson also spoke with us about capturing the intimacy and absurdity of life in New York with a "psychotic amount" of footage.
Unsolved Mysteries: Vol. 2 (Netflix series) – The next batch of cold-case deep dives is here to spook the hell out of you. We ranked the six episodes — which include a mysterious death in a luxury hotel, the disappearance and murder of a Washington insider, and a mass haunting following a tsunami — that invite citizen detectives to do their thing. This reinvigorated take on the classic series comes from the original creators, who teamed up with the Stranger Things production company, and hopefully, some justice and closure can be found for victims' families.


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Whether it is life insurance or investments, our clients always want what may be working now rather than keeping their focus on the future. It's called the fear versus greed curve.
? As markets rise, the typical investor believes everyone is making money. These values will continue to increase. Their greed steps in and they buy high. However, they usually catch on to the rising market as it is about to end.
? When markets decline, typical investors believe the sky is falling. Of course, they wait until it is near the bottom before their fear kicks in. Then, they get out. They sell low.
When the XYZ Mutual Fund is being touted for gaining 20%, this is not the time to buy it. It's simply the time to wish you had purchased it a year ago. That's buying high. See, it's all about freshman physics. What goes up must come down. Nothing goes up forever. And for today, it's good to remember that nothing goes down forever either. Economies, like physics, look for equilibrium.
Today, whole life insurance looks like the greatest thing since sliced bread. Especially after the 2001 mortality table adjustments, the product looks fantastic right now, given declines in interest rates (universal life) and stock markets (variable life). However, this is not necessarily the best time to buy whole life.
Remember, "those who do not study history are doomed to make the same mistakes over and over again."
Remember the 1970s. We had two products: term (with premiums increasing annually); and whole life. The investment elements of whole life (cash value and dividends) are based on the general account of the insurance company, which was invested primarily in long-term, investment-grade debt (bonds and mortgages). As interest rates increased, the value of long-term debt instruments decrease.
Life insurers were hemorrhaging cash. Owners were borrowing cash value at 6% or 8% and buying CDs at the bank in the teens and low twenties. I moved to New England in 1980 and closed my mortgage on New Year's Eve at 18%. I felt really good about that when interest rates crossed over 20%.
The 1980s brought a proliferation of universal life policies. The investment element was based on short-term interest rates. We were paying in the teens and showed a conservative alternative return at 10%, since we thought that interest rates were never going to go below double digits again. Universal life would have been a great product in the early 1970s, before interest rates increased. However, people bought it when interest rates were at their highest–once again, buying high.
In the 1990s, asset allocation seminars were taking place everywhere. The 401(k) plan was touted because it gave investors the opportunity to make their own decisions about long-term debt, short-term debt, and equities. The insurance companies' response was variable life insurance. Those products worked pretty well through the roaring 90s–until September 11, 2001.
The new kid on the block for the 21st century has been guaranteed universal life.
So, what product is best for our client's today?
Many companies are promoting whole life. Let's look at the facts:
? Your universal life policy is under-performing its projections.
? Your variable life cash value has decreased.
That's something you don't have with whole life cash value. It doesn't decrease (if you pay the premiums). It went up in 2008. What else in your portfolio went up in 2008? If we had anticipated 2008, whole life would have been a great place to put asset values.
If interest rates and stock markets are at low points, isn't this a great time to buy universal life and variable life, instead? That would be buying low. Isn't that what we are supposed to do?
Of course, the response is, they could go down further. What do you think are the odds of interest rates going down, staying the same, or going up? How about the stock markets? Yes, we may not have seen the bottom, but statistically, the odds are that we will once again, at some point, experience recovery.
But, why debate this issue? Why not, instead, recommend that our clients should have a broadly diversified portfolio of life insurance–a combination of term, whole life, universal life, and variable life?
Herbert K. Daroff, J.D., CFP, is a partner Baystate Financial Planning LLC, Boston, Mass. You may e-mail him at [email protected]


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The Crystal Dynamics game, developed in collaboration with Eidos Montreal and under the umbrella of Square Exix, details its keys on video.
There is still room for superheroes, even if they don't know it themselves. Marvel's Avengers , the new Crystal Dynamics production , part of the tragedy, of death, of hatred that some profess. The Avengers Day ends in disgrace, so the team decides to separate their paths. However, they will come together again to fight a new threat . Square Enix has just published a new trailer that offers an overview of all aspects of the game.
In a press release, Bandai Namco, distributor of the game in Spain, explained that the hero missions are only for one player and will take place during the campaign. They have been set up to present the special abilities of each of the heroes. On the other hand, the war zone will be available for up to four players, although lone wolves will also be able to access. "Each mission dynamically adjusts to the size of the team and the level of the player," confirms the press release.
A Look At the Customization
Customizing our superheroes will be a possibility. For this, we will have classic attires , as well as new ones, all inspired by 80 years of Marvel history. Even so, not everything is costumes, we can also customize the characters according to the style of play we choose. Therefore, skills will be activated or deactivated and we will have dynamic combo systems, heroic movements and unlockable abilities. In fact, the equipment of each Avenger will be exclusive to each one.
The video game's story will not end when the game goes on sale. The press release also specifies that the title will be expanded with new story arcs "over several years." Of course, they point out, "any region or new superhero will be free if you own the main game.
Marvel's Avengers is in development for Xbox One, PS4, PC and Google Stadia .


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Tuesday, September 24, 2019
Compensation Practice Assignment Example | Topics and Well Written Essays - 1500 words - 3
Compensation Practice - Assignment Example We probably heard a typical expression: give and take. We should dependably things to individuals in return for what you issue them. Remuneration alludes to this Exchange, however in fiscal terms. Remuneration from the executive a representative criticism for work. Its simply the money related quality that head honchos trade for their workers with the administrations that representatives gave. Human Resource Management characterizes pay in these words "worker remuneration alludes to all types of compensation to laborers and emerging from their job (Hill & Jones, 2007). In the recent years many organizations including Verizon Communications Inc. have been designing implementing effective reward system demand to clear fit between the compensation strategy and overall business planning. Compensation system can be considered as the collection of pay decision utilized by administration that may under specific conditions influences organizational operations related to payment of workers and compensation of their various activities is done. (Lebow, 2012). Lately, numerous associations including Verizon Communications Inc. have been designing implementing effective reward system demand to clear fit between the compensation strategy and overall business planning (Hill & Jones, 2007). The degree attaining success related to various pay choices is dependent on the contingencies facing the management of question. For the case of Verizon Communications Inc., they Compensation practices are a set of commitments to following better compensation practices to employees. Compensation strategies act as a booster to motivate various employees as they work to achieve the organization goals. This is to say, any organization including Verizon Communications Inc., that have a better compensation strategy have been able to keep their trusted
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Pensions and pensioners: territorial analysis
In 2011 pension expenditure reached 265,975 million of euro. At the regional level the incidence on GDP reached the highest value in Liguria (21.25%) and minimum (11.47%) in the Autonomous Province of Bolzano.
The pension expenditure per capita reached its maximum (6,006 euro) in Liguria, while the minimum value (3,211 euro) is observed in Campania (this is also due to the different age structure of the population).
The highest share of expenditure (30.1%) was provided in the North-West area, while values close to 20% were observed in the South (18.6%), the Centre (21.4%) and in the North-East areas (20.3%). 9.1% of the share was paid to pensioners living in the Islands and the remaining 0.6% to those living abroad.
Compared to 2010, the total pension expenditure increased by 2.9%. The increase reached the highest value in the Islands (3.7%), and the lowest one abroad (-4%).
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Location: Ground Floor (standard tickets) and 1st Floor (VIP tickets)
Accessibility: standard tickets are accessible, VIP tickets only accessible via a staircase
Capacity: 200 standard, 60 VIP
Age: 16+
For more details about all those involved, and groups meeting at the venue on the day, please see the Who's Involved page. This page contains information as well as social and website links.
Orange Room Timetable
1.30pm-4.30pm Live Music
Find out more about all of these artists on the Who's Involved page.
Limited VIP: £25 early bird, £30 standard, £40 late (exclusive balcony view of stage, 2 £5 drink vouchers, exclusive VIP bar, pre-booked roast)
6pm-9pm Live cabaret
Find out more about all of these performers on the Who's Involved page.
Limited VIP: £25 early bird, £30 standard, £40 late (exclusive balcony view of stage, 2 £5 drink vouchers, exclusive VIP bar, pre-booked roast)
9pm-10pm BOiBOX Drag King Cabaret hosted by Adam All & Apple Derrieres with Romeo De La Cruz & Jada Love and Sammy Silver.
The acclaimed Drag King Cabaret night BOiBOX will be bringing a pop-up special spectacular to the extravaganza!
BOiBOX was founded in 2013 at the legendary Candy Bar in Soho by Adam All and Apple Derrieres, it's prime directive being to encourage other Drag Kings to perform, to create a safe, inclusive and welcoming space; a dedicated night for Drag Kings, to explore gender in themselves and in society and be free to express themselves and have their voices heard. "To perform in Drag is to let out your peacocks tail and be proud of who you are'" as Adam says! BOiBOX now run two events a month, the last Thursday of the month at SHE Soho, and the selected dates at The Glory. BOiBOX has been featured by BBC Newsbeat, Sky News, ITV News, Getty Images, Diva Magazine, The Guardian, London Live, 'This Morning' on ITV, SKY One and was described as 'The Cornerstone of the UK Drag King Scene' in TimeOut. At BOiBOX, Kings are born, grow and prosper! The Drag King scene is now literally exploding with talent and we can't wait to share it with you.
10pm-2am club room
Find out more about all of these DJs on the Who's Involved page.
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Vegeta SSJ3
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SSJ3 Vegeta for DB FighterZ.
Thanks to Lean for the User Interface and excellent Render of SSJ3 Vegeta.
Hair Mesh is from Raging Blast 2, wanted to use an authetnic SSJ3 Hair Model.
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My Youtube: https://www.youtube.com/N3mixXx
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text: Keeping your child's mind active during the summer vacation 21 July 2014 The summer holiday break is well upon us and school is almost a distant memory. It is important then to keep the young people in our lives as busy and entertained as possible. There are many ways in which you can help to keep your child's mathematical brain ticking over during the vacation and in fun ways (without the need of a pencil or paper). There are mathematical opportunities all around us at every moment - we just need to see them and, what's more, learning about mathematics outside the classroom environment gives children an opportunity to see the world in a different way. In turn, this will actually help their mathematical understanding. The benefits are: higher levels of motivation almost limitless resources an opportunity to view maths in a cross-curricular way an increase in curiosity leading to more effective exploration meaningful application of problem solving strategies and thinking skills a heightened sense of purpose and relevance the all-important bridge between theory and reality greater independence and an improved attitude to learning greater enjoyment and achievement a realisation that our environment offers opportunities for learning There are many ways in which you can help your child enjoy mathematics within a real context and have great fun learning and talking together. Listed below are some possible questions. You could use the images attached but, even better, if you find yourself in these actual (or similar) places then you could use the real thing! Photo 1 (Yas Waterworld) How many seconds will you take to get from the top of the slide to the bottom? (Using the stopwatch on a mobile phone). Who was the fastest? How many colours can you see? Photo 2 (Highway) Look at the cars - what numbers can you see on the registration plates? Add the numbers on the registration plate ie 7112. What is the total? Who can find the largest total? Who can find the most 6's? 2's? 9's? Photo 3 (Sheikh Zayed Grand Mosque) How many domes can you see? What shapes can you find? Which part of the Mosque is the tallest? Photo 4 (Bouncing balls) How many jumps/hops/skips etc in a one minute? (Using the stopwatch on a mobile phone) How many bounces of the ball can you make in 30 seconds? 10 seconds? One minute? Other questions for everyday situations might include: Which shapes can you see? 2 Dimensional shapes? 3 Dimensional? How many triangles can you see? What shape is the…? How many right angles can you see? Round up the number of triangles to the nearest ten. Estimate (make a good guess) how many? Was your estimate a good one? Estimate and measure the length and height of... Further ideas for older children… Are there any parallel lines? How many right angles can you see? Organise a BBQ or party…How many people are coming? How many litres of juice will you need? What percentage of people prefer pizza topped with pepper? Mushroom? Cheese? How would you describe that as a decimal figure? Bake a cake, follow a recipe or make your own pizza dough – weigh and measure the ingredients using litres, kgs, grams and mg's. If you are planning a holiday… What time is your flight? Bus? Train? How long will the journey take? What will the time will you arrive? How many miles have you travelled? What is the temperature? Is the temperature higher or lower than before? How many degrees higher / lower? Can you count out / your coins and money Count in 2's, 5's, 10's? How much do you have? Think of these key questions as you talk with your children: Tell me about…? What can you say about…? Can you explain … why…? What do you think will happen next? What would you see if…? Simply spending time with your child and talking with them is one of the most valuable things you can do as a parent. Keep your eyes peeled and your mind open to the everyday mathematical opportunities around you. Have a super summer! Ms Tammy Marsh, Primary Maths Subject Leader at The British International School Abu Dhabi. Categories Featured Posts From Our People Discover more BIS Abu Dhabi Nominated in the International School Awards 2021 24 November 2020 We are thrilled to announce that BIS Abu Dhabi has been shortlisted for the Student Pathways Initiative Award. Parent Survey 2020-21 24 November 2020 We are pleased to announce that we will soon be launching the 2020-21 Parent Survey. Message from the Head of Primary 22 November 2020 A message from the Head of Primary, Alan Cocker. BIS Abu Dhabi Virtual Choir 22 November 2020 We are thrilled to announce that we will be launching our first ever BIS Abu Dhabi Virtual Choir next term.


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Click below to listen to my 2 min. Garden Bite radio show: Gall talk
I sent out a shout out on my Garden Bite facebook page for my followers and received a suggestion to talk about galls!
First, what are they? Galls are abnormal growths that occur on leaves, twigs, roots, or flowers of many plants. There are a LOT of galls!!!
Just a little gall fun! Those round growths are little homes for insects. They have a small hole in each…
Most galls are caused by irritation and/or stimulation of plant cells due to feeding or egg-laying by insects such as aphids, midges, wasps, or mites. Some info from an offbeat site that's fun: Scientistseessquirrel
A great intro The Gall of It All by State by State Gardening
One of the most common galls found in the Midwest is the maple bladder gall, a pouch-like growth on the leaves of maples, especially silver maple, caused by an eriophyid mite. Clusters of small galls form on the leaf surface as they expand in spring. The galls change color from light green to a bright red and eventually to black as the season progresses. The elm finger gall is also caused by an eriophyid mite.
Oaks have a lot of Gall! And yes, they really do. More information from Washington State. Wasps use Oaks as a home. These types of wasps do NOT sting!
Some galls are the result of infections by bacteria, fungi, or nematodes and are difficult to tell apart from insect-caused galls. Seeing the insect or its eggs may help you tell an insect gall from a gall caused by other organisms.
More gall dang information on Wayne's Word….
I have a Hackberry tree that's notorious for having psyllids, which cause galls on the undeside of the leaves. For this tree, in this instance, with this insect, the psyllid, it doesn't hurt the tree. (I had a tree service tell me I needed to spray the tree for aphids, this is why you MUST check out credentials!)
Each type of gall-producer is specific to a particular kind of plant. Galls may appear as balls, knobs, lumps, or warts, each being characteristic of the causal organism.
In addition to the unusual structure of galls, they draw attention due to their range of colors: red, green, yellow, or black.
Factors such as weather, plant susceptibility, and pest populations affect the occurrence of galls on plants from year to year.
Most of the time, as with my hackberry, galls really don't hurt anything, although they may stunt growth in some instances.


text: Does your man need these socks? Post Author:MadAboutRH Post published:March 3, 2018 Post Comments:0 Comments Does your man watch Housewives with you? Or maybe he pretends he hates it but secretly follows and then utters a comment at the TV....? LOL... Well check out these gifts you can spring on him...and comment below and let us know if your man is a Mad About Real Housewives! You Might Also Like Luann's confessional Bib necklace | The Countess Collection March 9, 2019 Lisa Rinna Fitness Routine: Dance it off March 20, 2018 Lisa Vanderpump Vs Kyle Richards Season 9 February 25, 2019 Leave a Reply Cancel replyCommentEnter your name or username Enter your email Enter your website URL (optional)


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- Before and After the StormsHigher Education Funding and the Arts in Louisiana
Practically since Louisiana was purchased from the French in 1803, the production, performance, and study of the arts has been a vital part of the state's sense of self. From the constant mélange of overheard music-jazz, zydeco, Cajun, blues, and rock-to the sight of John Kennedy Toole's Lucky Dog carts patrolling the French Quarter, Louisianians have always lived with their arts, understanding creative production as a fact of everyday life and the essence of our life in the Gulf South.
Louisiana's higher-education community fully endorses the centrality of the creative arts to our way of life, and has contributed to them substantially through its excellent programs and faculty in a wide variety of disciplines. In turn, the Louisiana Board of Regents, the state's governing body for higher education, has provided significant support to the arts and humanities through a series of constitutionally guaranteed competitive grant programs known collectively as the Board of Regents Support Fund, which in recent years has distributed approximately 30 million dollars per year in awards to Louisiana institutions. The Support Fund was established in 1986 through a trust fund created out of the settlement of a dispute between Louisiana and the federal government over oil and gas revenues. The Support Fund provides grants to all disciplines at all levels in four major categories: Endowed Chairs for Eminent Scholars, Recruitment of Superior Graduate Students, Infrastructure Enhancement, and Research and Development. Arts disciplines have been eligible since the establishment of the Support Fund for participation in Enhancement, Endowed Chairs, and Graduate Fellows. Through these programs, the Board has provided substantial equipment, infrastructure enhancement, curriculum development, and professional development opportunities for arts faculty, graduate fellowships in studio and performance arts, and endowments for chairs in a wide variety of creative disciplines.
In 2004, recognizing the need for faculty support in disciplines traditionally excluded from R&D programs, the Board of Regents made a major contribution to arts funding in Louisiana by approving the Awards to Louisiana Artists and Scholars (ATLAS) program. This program, created on the model of the Guggenheim awards, provides support for faculty in arts, social sciences, and humanities to complete major scholarly and creative projects with the potential to have a broad impact on a regional, national, and/or international level. The activities of ATLAS grant recipients contribute to the Support Fund's comprehensive objective of strengthening the educational, artistic, and research bases of Louisiana institutions, as well as helping faculty to achieve or sustain national eminence. The primary focus of ATLAS is the scholarly or artistic merit of the proposed work. Projects are assessed based on their importance, originality, and likelihood to have an impact on a broad academic and/or artistic community.
ATLAS's pilot competition took place in 2004/05. Of the 50 projects submitted for consideration, 14 were funded while 22 others were deemed worthy of funding should additional monies become available, demonstrating the high quality of the initial submissions. Among the funded projects several were in the arts, including a collection of short stories by Loyola writer John Biguenet, a novel by Louisiana State University author Moira Crone, new installments [End Page 5] for National Public Radio's American Routes, and a major art exhibition by Loyola artist Gerald Cannon.
By providing support for productive faculty, the ATLAS Program will enable faculty to complete and disseminate their important scholarly and artistic work. This, in turn, will help to foster the reputation of these faculty members, bring attention to Louisiana's rich academic culture, and bolster the state's already strong reputation for quality education, scholarship, and art.
The vital significance of the arts to Louisiana's unique culture was made clear in the days and weeks following Hurricane Katrina's landfall on 29 August 2005, as the communities directly and indirectly affected by winds and floodwaters struggled to comprehend the disaster. For many people, the arts served as an important measure of loss. The local television and print news, blogs, public forums, and personal conversations pondered the dispersal of New Orleans' famous communities of musicians and performance...


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When cardiologist Dean Emanuel first practiced at the Marshfield (Wis.) Clinic half a century ago, farmers continually came to the outpatient facility with symptoms of a poorly understood condition called farmer's lung disease.
The year was 1959, and Emanuel and his colleagues at the clinic in the small central Wisconsin town received a grant from the National Institutes of Health to investigate the mysterious malady. After about five years of research, they determined that the pneumonia-like illness was a delayed allergic reaction to certain molds commonly found in hay, grain and silage. After about five attacks the disease can produce permanent damage to the lungs and fibrosis, or scarring, that can be deadly.
"This is a mold that is ubiquitous in the farming industry," says Emanuel, who is also board-certified in internal medicine. "We determined that this was not always a totally disabling disease if the farmer could change his occupation. Later on, we determined that was not necessary, if he took some protective measure to shield his lungs" by using a respiratory face mask. And after that, the Marshfield researchers identified the organisms that caused the condition. "Very definitely, we made an impact," he adds, noting that the clinic is seeing far fewer cases now because of preventive measures and changes in agriculture.
A clinic is born
During the next couple of decades, Emanuel and others at the Marshfield Clinic began to notice other conditions that, while not exclusive to farming, cropped up consistently, ranging from skin cancer caused by incessant exposure to ultraviolet rays, to osteoarthritis from the wear-and-tear on joints from various aspects of farm work. In 1981, they pooled their research efforts on these topics and established the National Farm Medicine Center, which was initially supported solely through the parent Marshfield Clinic Research Foundation.
One of only two such agricultural research centers at the time of its founding, along with what's now called the Great Plains Center for Agricultural Safety and Health at the University of Iowa at Iowa City, the center had a $2.26 million budget in fiscal 2004, two-thirds of which came from grants and contracts, 19% from the clinic research foundation and 15% from restricted donations. No federal funds were used in founding the center.
"We realized that there were other diseases present in the agricultural community that we were just not addressing," says Emanuel, now 82, who retired in 1986 as founding director of the center. "We realized this was a population at risk, and we had to do something about it. (The conditions) are just especially prominent in the agricultural community."
In addition to the occupational hazards farmers face-such as stampeding animals, tractor rollovers and limbs severed after clothing gets caught in high-powered machinery-the farming population is at risk because it's reluctant to seek medical care, Emanuel says. "This is a highly independent population we're dealing with," he says. "They're extremely well-motivated, they're hardworking, and they just don't run to the doctor every time they have something wrong with them."
That's partly because an estimated one-quarter of the nation's 6 million farmers lack health insurance and many others have high deductibles, says Steven Kirkhorn, the center's medical director.
"You find a lot of working poor who are struggling to make ends meet," says Pete Stamas, an emergency medicine specialist whose department ends up seeing many of those who delay care. "They may not have finances for healthcare. People aren't established with a doctor. Who's going to pay their healthcare bills but themselves?"
Marshfield Clinic physicians, who number about 740 in the main facility and 39 regional centers in Wisconsin, become involved in research as clinical needs warrant, Kirkhorn says. "Practitioners develop an interest based on what they see coming into the clinic-seeing people who had an arm amputated on a corn picker, or somebody who has asthma and was having difficulty continuing to farm," he says.
The Marshfield Clinic benefits from the farm center's research in treating patients from its largely rural, 27-county service area in central, northern and western Wisconsin, says Reed Hall, executive director of the clinic, which treated about 365,000 patients from all 50 states and 25 foreign countries in 2003.
Based on patient survey results as well as anecdotal feedback, Hall says patients flock from such distances because of the Marshfield Clinic's Mayo Clinic-like group practice concept, with "so many specialists in one place and the ease of referrals" that results, as well as to tap the clinic's particular strengths in cardiology, cardiovascular surgery, oncology, neurology, neurosurgery and orthopedics.
"Our primary emphasis is rural Wisconsin-that involves taking care of many patients who live in rural areas or directly on farms," says Hall, who could not put a figure on exactly how many patients came from farms. "We do not record that vocational data. It's a substantial number, I know, just because of our service area."
Stamas echoes that assessment, adding that planting and harvest seasons tend to be the busiest times. "You're probably exposed to the larger, heavier pieces of equipment," he says. "Weather can be inclement-you've got to make hay when the sun shines. And you might be out there 16, 18 hours. Fatigue will play into the picture."
The farm center and other facilities, such as the Rural Cancer Research Center within the research foundation, also likely benefit the clinic and its physicians through their focus on preventive medicine, Hall says. "Hopefully it's led to more safety in the farming community, whether it's avoidance of skin cancer or avoidance of hearing loss," he says. "Those are things that are tough to measure, but hope-fully over decades we're avoiding disease."
With funding from the federal and state governments, donations and the Marshfield Clinic Research Foundation, the farm center has focused on an ever-changing set of issues, says the center's director Barbara Lee, a registered nurse who holds a doctorate in nursing. She became the center's first full-time employee 18 years ago and rose to director four years ago, now supervising a staff of 20 as well as clinic physicians who undertake pieces of research related to their respective practices.
Lee says that after the initial focus on farmer's lung disease, the center turned to tracking farmers admitted to the clinic's emergency room to study the types of injuries they experienced, how severe they were, how often they occurred and the likely precipitating factors. That work remains relevant to this day, Stamas says. "A week doesn't go by that we don't see some sort of agricultural injury," he says.
At the same time, the center has worked to train emergency rescue teams on the "unique aspects of responding to a farm emergency," Lee says, so the rescuers themselves do not, for example, succumb to micro-organisms or noxious gases such as deadly hydrogen sulfide near manure pits, another common risk on farms. That training "was extremely popular for a number of years," Stamas says, and Lee adds that it's only done "periodically" now because registrations have fallen somewhat.
New focus on cancer
The center's "third big wave" of research, which began in the early 1990s and was spun off as a separate business unit several years ago, focuses on common rural cancers, Lee says. "We took a look at what are the types of cancers that are more common in the farming community, and what is the effect of screening," she says. Among the specifics of this initiative have been skin-cancer screening booths at farming festivals, she says.
The now-separate Rural Cancer Research Center has turned the microscope on prostate, lung, colon, brain and lymph cancers, says Doug Reding, a medical oncologist and the center's director. "It's recognized that farmers are at higher risk for skin cancer," he says. "There's a perception that prostate cancer is higher. We're trying to tease out from our numbers, `Is it just a lot of older men in farming?' "
Since the late 1990s, the farm center's largest effort-currently representing about half of its budget-has been the National Children's Center for Rural and Agricultural Health and Safety. The children's center receives funding mostly from the National Institute for Occupational Safety and Health, or NIOSH, an agency of the national Centers for Disease Control and Prevention, which funds 10 agriculture-related health centers.
"There's a lot of childhood exposure to injury that you don't have in a lot of other situations," Stamas says. "These kids are out driving tractors at young ages; they're out milking cows at young ages. They have potential for injury."
Among the work products of the children's center has been the National Guidelines for Children's Agricultural Tasks, released in 1999, which details what work makes developmental sense for older children; as well as the workbook, Creating Safe Play Areas on Farms, released in 2003, which encourages parents to keep younger children away from work-site hazards, Lee says. "Most people do not have any concept of what, if anything, is acceptable for kids to play on," she says, noting that the center's work often challenges rural cultural norms. "We ourselves fought it for a long time and said it was just better to get them off the farm, and don't structure a play area. But working in the real world of farm parents, we were able to come up with some nice compromises."
NIOSH sees the farm center as an important partner in distributing information about childhood agricultural injury prevention, says David Hard, an agricultural safety and health scientist and program officer at the children's center.
"I view them as being important because they probably have a more direct link to the stakeholder base than any federal agency probably would have," Hard says. "The National Farm Medicine Center has a long history of working in agricultural diseases, and I think they've done good work. I see the children's center as continuing on in that, in a more focused area."
Beyond the children's center, the other half of the farm center's bailiwick is split into three areas of study covering agromedicine, agricultural-safety engineering and environmental microbiology, Lee says. The first two are primarily funded through the clinic's foundation, while the third receives grants from the federal Environmental Protection Agency and the state of Wisconsin, she says.
The agromedicine work, led by Kirkhorn, focuses heavily on educating healthcare providers in how to recognize and treat farm-related maladies, he says. "Agricultural injuries or illnesses come in sporadically," he says. "Nobody sees a lot of it, and anything you see, you don't see a lot of, so people aren't aware of how to treat it, and, just as importantly, how do you prevent it from happening again?"
Surveying employers
Mark Purschwitz, a research engineer at the farm center, who handles the agricultural-safety projects, says he's recently been working on a survey of employers and supervisors of youth farm workers, ongoing research on tractor safety and the financial feasibility of retrofitting older tractors with rollover-protection structures, and updating an online directory of resources on how to do so.
Mark Borchardt, a research scientist and director of the farm center's environmental microbiology lab, says he's published studies in the past few years showing that the vast extent of waterborne gastrointestinal viruses in the drinking water of LaCrosse, Wis., was not a problem directly traceable to farms but was a significant rural-health issue nonetheless; the occurrence of such viruses in private drinking wells, which could point to the need for greater groundwater regulation; and the links between septic system density and childhood diarrhea, which he also hopes will lead to changes in environmental policies.
Ed Finkel is a freelance writer based in Evanston, Ill. He can be reached at [email protected]
This article marks the debut of Modern Healthcare's new quarterly feature on rural healthcare issues. Let us know what you think. To share comments or suggest ideas for future Rural Health stories, contact us by e-mail or fax. Write Modern Healthcare online via [email protected]; by fax it's 312-280-3183.


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To receive notice of each days Bible Study,please go to my Twitter and Facebook pages and sign up.
Psalm 22:21
21 Save [yasha`] me from the lion's ['ariy] mouth: [peh] for thou hast
heard [`anah] me from the horns [qeren] of the unicorns. [ra'em] KJV-Interlinear
21 Save me
from the lion's mouth; And from the horns of the wild oxen Thou dost answer me.