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How to renovate your Home for Christmas?
Fix your home before Christmas parties and New Year bashes. Wow your guests and beautify your home without spending a fortune on home renovation. Learn a few renovation tips that will not only improve the look of your home but also make it the...
By: TheHomeImprovementGroup.ca
Give your home a Makeover for Christmas!
Holiday Season is not just for fun and frolic! You have to entertain guests, cook for the entire family and ensure that everyone has a great time. It means undertaking a major overhaul such as adding a second story to your home or remodeling the kitchen is out of question. However, learn a few renovation tips to make your home beautiful for Christmas.
· Take A Quick Look
Winter season in Canada is never easy. And, undertaking an exterior renovation project with all the snow, wind and rain can prove to be a nightmare. So, it is better to spend time on interior home renovation projects. Does the furniture look old for your Christmas party? Will the peeling paint in the bathroom prove to be an eye-sore? Do you need additional shelf-space in the kitchen to manage cooking for the celebrations?
· Start with Minor Repairs
Not every home requires a complete overhaul to look beautiful. Sometimes, a few tweaks here and there can make your place the perfect destination for parties and get-togethers. So, make a list of all the things that need maintenance. Is the thermostat broken? Do the windows need fresh curtains? Do you need to decorate the Christmas tree and hang decorations in the yard? Do you need to fix the wobbly dining table or install the new music system in the living room? Once you are ready with the list, hire one-day handyman service ( https://www.thehomeimprovementgroup.ca/
· A Paint Can can save you!
Painting your home is the single-most effective way of improving its look. You can choose Benjamin Moore's color of the year 2018. Use Caliente AF-290, a bright red color, to add a festive feel to your home. Alternatively, you can use other festive colors and create a combination that matches your zeal for the upcoming holidays. If you do not want to commit to a single paint color, consider temporary wallpapers and create a beautiful Christmas theme for the parties.
· The High Traffic in Bathroom
Homeowners ensure that the dining room is perfect for the party. They even clean the yard so that they make the right impression on guests. But, if you do not keep the bathroom updated, all your hard work can go to waste. It becomes essential to clean the bathroom because it will attract a lot of traffic during X-mas. If the bathroom is not in best shape, you will face the problem of clogged basins and overflowing toilets. So, it is best to hire a plumber to keep the bathroom well-maintained.
Your Home deserves a Renovation!
Christmas is meant to enjoy with your family. But, showing a little bit of care towards your home will ensure that you have a proper dwelling as long as you want it. So, give your home a quick makeover before the X-mas parties and dress it to look beautiful and charming.
Want to update your home and make it beautiful for the coming festive season? Work with https://www.thehomeimprovementgroup.ca - the best home renovation contractor in Toronto and give your home a makeover. Hire someone who has experience of providing interior home painting, electrical and handyman services.
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TONY Mowbray today revealed the hard task he has in trying to bring in loan players from abroad.
The Albion boss still wants another striker and a defensive midfielder.
Albion have been linked with several strikers in recent weeks. The Baggies have looked into the feasibility of signing Benfica's Ariza Makukula and Lens' Aruna Dindane on loan deals.
Paris St Germain have also now revealed that Albion asked about taking Peguy Luyindula on loan as well, even though Mowbray dismissed those claims last week.
The French club have made it clear they will only allow him to go in a permanent cash deal.
While all three remain on the radar, they remain very much on the backburner until their respective clubs drop their demands.
Mowbray, who also looks set to miss out on Robert Lewandowski because of Lech Poznan's demands, revealed the brinkmanship which occurs during this transfer period.
Regarding Luyindula, Mowbray told the Birmingham Mail: "There have been conversations with half a dozen clubs and if Paris St Germain are one then so be it.
"We are talking to numerous clubs, exploring potential avenues.
"It's quite black and white. If we ask a question they ask for assurances or a lot of money and then we move on because we're not interested in that option.
"Clubs don't generally give you good players for nothing, they generally want loan fees or assurances of some sort. Some clubs make things like this public.
"Same with Makakula. As for Dindane - there are no more updates. He's not played for nine months and he's too big a risk for us but he's a player of proven quality."
Speaking generally, Mowbray added: "Sometimes, being respectful of the clubs we're talking to, your first call can be 2m Euros loan fee yet the player isnt in the team and you want to do them a favour and put him in the shop window for them.
"What happens is they phone up three weeks later and say £500,000Euros, they offer to help with the salary. Yet you tell them you're moving onto other things.
"Then they come back and say 100,000 Euros and we'll pay half his salary.
"And then the day before the window shuts they get in touch again and say 'okay you can have him for nothing and we'll pay his salary'.
"It's a game and if it's a game involving six clubs then who knows where the coin will fall.
"That's why we don't get rail-roaded into one player and have a few targets.
"So at this moment I can't say we will definitely say yes we will pursue that.
"We can be one call away from it being finished.
"Sometimes the club keep it alive in the public arena to see if it creates interest elsewhere. Sometimes the names are dead in the water, even if you've watched them."
Mowbray concedes any new signings may arrive too late to be in contention for a start in this Saturday's game at Villa.
"I can't see anyone who comes in now going straight into the side," he added.
"If we do anything then great, if not we keep working away.
"Ultimately new faces give the training ground a lift. When new players come in, the existing ones want to show what they can do."

subset: commoncrawl


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REITs for Beginners in Singapore: The Ultimate Guide
A REIT is an investment vehicle that provides an easy way of gaining exposure to real estate properties. REITs have become extremely popular in Singapore for the fact that they return at least 90% of their disposable income to shareholders. Their dividend yields are usually higher than what most investments can offer.
Perhaps the most important reason why REITs are becoming extremely popular is the fact that they provide a way of owning a property indirectly without having actually bought it.
Singapore REITs should be a consideration for anyone planning to build a fixed or equity income portfolio. The total annualized return for S-REITs (Singapore REITs) over the past four years has averaged 8.4% compared to 4.4% for the benchmark Straits Times Index.
Their ability to generate dividend income along with capital appreciation makes them an excellent alternative to stocks, bonds, and commodities investment.
What is a REIT?
Real Estate Investment Trusts (REITs) are companies that own and (sometimes) operate a portfolio of real estate properties such as apartments, warehouses, malls or hotels. Their business model comes with important tax advantages that optimize returns.
Through the purchase of individual company stock of a REIT, investors stand a chance of earning a share of the income produced through real estate investment. Singapore REITs operate by leasing space and collecting rent on the real estate property. The generated income is normally distributed to shareholders in the form of dividends.
REITs allow individuals to own or finance properties the same way they invest in other industries or stocks of companies. In addition, they provide an opportunity to benefit from investing in income-producing real estate.
Singapore REITs are required by law to distribute at least 90% of their taxable income to shareholders. Some pay out 100%. Aside from earning dividends, REITs investors also stand to benefit from capital gains that come into being as the value of property owned increases.
Investments in REITs are mostly done through individual companies, exchange-traded funds, or mutual funds.
Types of REITs
Equity REITs
These types of REITs own property in a wide range of sectors. For instance, they could own property for office spaces, shopping centers, hotels and even apartments. Equity REITs derive their revenue from rent paid by tenants in the properties they own.
Mortgage REITs
These types of REITs specialize in financing residential and commercial properties. Unlike Equity REITs, they derive most of their income from interest earned on investments they make on mortgages as well as mortgage-backed securities.
Retail REITs
This type of REIT invests in shopping malls and freestanding retail. Most shopping centers are owned by REITs which generate money from the monthly rent. CapitaLand Mall Trust is one of the biggest REITs in the sector with holdings in JCube and Raffles City.
Residential REITs
These REITs own apartment buildings as well as manufactured housing. The best in this class are the ones that own property where homes are affordable, thus enjoy the benefits of high occupancy rates. Saizen is the main player in the space with holdings in Japanese residential properties.
Commercial REITs
Commercial REITs invest in office buildings and receive money from tenants who have signed long-term leases. CapitaCommercial Trust is one of the biggest REITs with stakes in the sector as it owns Capital Tower and HSBC building, among many more.
Healthcare REITs
Healthcare REITs invest in properties associated with healthcare facilities, such as hospitals, nursing homes, and assisted living properties. Parkway Life REIT is one of the biggest in these sectors in Singapore.
Industrial REITs
They own properties used for industrial purposes such as warehouses and manufacturing centers. Ascendas REIT is the largest in the sector with a portfolio of business and science park properties.
Non-traded REITs vs. publicly traded REITs
Non-traded REITs are real estate investment trusts that are not publicly traded. Carrying out research on these real estate investments can be difficult, given that getting information about their financial or property holdings can be a challenge.
This, in turn, makes it impossible to determine their actual value for investment purposes. While some of them reveal their assets holdings and value after 18 months, they may not be ideal for short-term investors.
Another major drawback with non-traded REITs is the fact that they are illiquid. The ability to buy and sell them is significantly affected. Some of them only allow investors to withdraw their money after seven years. By locking in investors' money, such securities are usually able to buy and manage properties.
The risk with pooled money is that investors could be fooled by payouts that are not generated from property holdings, a practice that is unsustainable for the long haul. Limits on cash flow most of the time goes a long way in diminishing share price value.
Publicly Traded REITs, on the other hand, are real estate investment trusts that are publicly traded and are regulated by authorities. Such securities are obliged to choose the right management teams and the quality of their properties is usually based upon to date trends.
How to buy REITs in Singapore
REITs can be bought like other public stocks in exchanges. They can also be bought as shares in mutual funds and exchange-traded funds. One can also invest in REITs through retirement savings and other financial funds.
To Invest in REITs in Singapore you must first open two accounts.
SGX CDP account
To be able to buy and own shares of any company you must first open a CDP account. Simply put, a CDP account is like a personal safe where shares bought through the open market are deposited. The account can be opened by going to the Singapore Stock Exchange website and opening one.
Brokerage account
In addition to opening a CDP account, a brokerage account is needed. A brokerage account is also known as a trading account. Brokers act as middlemen as they facilitate the buying and selling of shares through their platform.
Some of the popular brokerage firms in Singapore include CIMB Securities, Maybank Kim ENG, and OCBC Securities.
Investing in REITs
Once the two accounts are set up, investors can decide to buy individual REITs or invest in a basket of ETFs or mutual funds. ETFs are passive funds that try to replicate all the aspects of an underlying index, such as the Singapore REITs Index, right from holdings to returns.
SGX REIT Index tracks the performance of various real estate investment trusts in Singapore. Investors use the index to determine the overall sentiment in the market, for making real estate investment decisions.
Nikko AM-Straits Trading Asia ex-Japan REIT ETF is one of the most popular REIT ETF in Singapore that tracks the performance of the SGX REIT index. Its portfolio is made up of more than half of SGX REIT holdings with the remaining diversified across Asia.
How to choose a REIT
Just like other investments, REITs are judged by their yields and net asset value (NAV). Yields refer to the distributions per unit that a REIT has paid out to investors over the year. NAV, on the other hand, refers to a recent valuation of REITs' assets minus liabilities.
Before investing in a REIT it is important to carry out due diligence, as high yield does not necessarily mean a REIT is an attractive buy.
Valuation is important
- Real estate investment trusts rely on underlying real estate properties to generate income. Valuation is thus important which means an investor should not overpay just to get a piece of a REIT holdings.
Growth potential
- A REIT worth investing in should possess the growth element. In this case, it should be in a position to guarantee consistent growth in rental income which leads to higher dividend yields. Growth can either be organic or inorganic.
- Inorganic growth is whereby a REIT is able to expand its portfolio through new property purchases that have the potential to generate more rental income. Organic growth, on the other hand, may come through positive rental reversion and increased occupancy.
Good cap rate
- REITs grow their holdings by buying and leasing property. That said, a good REIT should have a good capitalization rate which means better returns on any investment made over time. A higher capitalization rate underscores the management ability to generate higher rental income on the property.
Benefits of REITs investment
Secure and stable
- S-REITs are some of the most secure and stable investment tools for income-focused investors. Given that the country is slowly emerging as a financial and technological hub, property prices are expected to continue rising.
- The result should be an increase in rental income that REITs generated from a property portfolio. Given that REITs in the country are required to disburse 90% of their income, investors are assured of solid returns no matter what.
- The fact that Singapore has limited land to expand on means that in the near future, demand could supersede supply. The aftermath would be an increase in property prices which could see REITs generate even more in rental income. Investors would thus be able to earn more in terms of distributions per unit as well as dividends.
MAS regulation
- Monetary Authority of Singapore, which is the country's de-facto central bank regulates REITs in Singapore. The regulator ensures that REITs borrowings in the country don't exceed 35% of their total assets and can only borrow up to 60% with a credit rating from one of the three rating agencies.
- REITs in the country are also prohibited from spending 10% of their total asset value on new development. All these regulations are designed to protect investor's interest while ensuring they are able to generate maximum returns from investments.
- However, it is important to be cautious as there are REIT managers that can mismanage a REIT in total disregard of the regulations.
- Unlike in other parts of the world, real estate investment trusts in Singapore are exempted from the normal 17% corporate tax. It is for this reason that they are able to offer high yields on the distribution of 90% of their distributable income as dividends
- REITs dividends are also secured by stable rental income, from long-term leases that managers sign. Managers are also known to employ conservative leverage on balance sheets, significantly reducing risk exposure.
High yields
- The main attraction to REITs compared to other investments is their high dividend yields. As mentioned previously, REITs distribute at least 90% of their profits to investors on a regular basis, be it quarterly or semiannually. The amount is usually not subject to taxation. Average REIT returns trend in the 7%-8% range.
- REITs provide exposure to a wide portfolio of real estate compared to owning a single property. REITs own property in a wide array of industries, be it in the retail sector, healthcare, or industrial. When occupancy in one sector is low, it is often offset by outperformance in another sector. Adding a REIT in an investment portfolio provides much-needed diversification.
Reliable stream of income
- REITs sign long-term leases with tenants for the physical properties they own, which accords them a reliable stream of monthly income in the form of rent.
- REITs are traded on stock exchanges, thus making the process of buying and selling them easy.
REITs investment risks and drawbacks
While REITs are a sure way of generating consistent income and for diversifying an investment portfolio, they also come with a fair share of risks just like other investments.
Slow growth
- The fact that REITs are required to distribute 90% of their profits to investors means they are only left with 10% for reinvesting. That said, some REITs grow at a slower pace given that they are usually left with a small amount of money to pursue growth opportunities.
Tax dilemma
- Cash flows for REITs are most of the time affected by the amount of property taxes paid. Taxes are considered part of the expenditure and have to be deducted before any payout is made to shareholders. In worst case scenarios, property taxes can account for as much as 25% of the total operating expenses, significantly affecting the amount of money left to investors.
- That said, an increase in property taxes can significantly affect the amount of returns REITs generate on a fixed rental income. State and municipal authorities can increase property taxes at any given time to meet their budget pitfalls, significantly affecting shareholders' cash flow.
- In addition to the high yield that REITs come with, the amount of taxes due on dividends is at times much higher compared to other investments. This is because a good chunk of REITs' dividends are considered ordinary income and subject to a higher tax rate.
Recession risk
- Real estate properties are usually the hardest hit in case of economic recession. During the recessionary period, demand for commercial real estate will often take a hit and shrink.
- Companies will frequently try to reduce their expenditures by reducing their headcount, consequently closing shop in some of the properties that they might have leased. Unoccupied space in buildings goes a long way in affecting the amount of rental income that REITs generate, significantly affecting cash flows available for payouts.
High debt levels
- A higher dividend payout forces most REITs to pursue an unnecessary debt in an attempt to expand real estate holdings. High debt levels may lead to more interest going out, thus reducing the amount payable in the form of dividends.
Diversification risk
- One of the major risks with REITs is that most of them don't have a diversified portfolio of property holdings. Most REITs specialize in a single property type which could be either be residential property, healthcare property, or office property.
- A downturn in one industry, be it in healthcare or retail sector, would most of the time affect their performance when it comes to rental income generated.
Business interruptions risks
- Any calamity or natural disaster that has the potential to cause business interruption goes a long way in affecting the performance of REITs. Things like hurricanes, fires, and geopolitical tensions result in mass evacuation, significantly affecting rental income streams.
- Anything that affects the ability of businesses to operate, or individuals to live in a particular area, makes it impossible for REITs to generate the desired rental income for higher payouts.
Competition from Airbnb
- REITs with stakes in the hotel industry have started to feel the pinch on the emergence of the likes of Airbnb, among other entrants. Such services are increasingly diverting business from hotels significantly, affecting their occupancy rates thus rental income generated.
- A study carried out shows that third-party internet travel companies pose the biggest threat to the revenue of hotel REITs.
Singapore's best REITs to invest in
Ascendas REIT
Ascendas is by far the biggest real estate investment trust in Singapore. The REIT specializes in industrial property. Being the largest, the REIT has also returned the most to investors since its IPO in 2002. Estimates indicate that every $1,000 investment in the trust since 2002 would have generated $3,140 including dividends.
Its recent earnings report indicates year-over-year growth in both revenue and net income, thanks to high occupancy rates. In the fourth quarter, the company reported revenues of S$862.1 million, representing a 3.8% increase. Net property income was up 3% to S$629.4 million.
Distribution per unit in the quarter rose 1.5% to 3.91 cents. The REIT's occupancy rate improved to 91.5% from 90.2% a year ago.
CapitaLand Mall Trust
CapitaLand Mall Trust is the second largest REIT by market capitalization in Singapore. The real estate investment trust invests in and owns income producing assets used for retail purposes. The REIT owns some of the biggest properties in the sector including Clarke Quay, Junction 8 and Plaza Singapore.
The REIT has been one of the top performers in the industry as every S$1,000 invested since 2002 could have generated S$2,010 inclusive of dividends.
In the fourth quarter, the REIT reported a 1.8% increase in revenue that came in at S$175.2 million. Net property income grew 4.7% to S$125.7 million. Distributable income to unitholders increased 2.1% to S$99 million as Distribution per unit grew from 2.73 cents to 2.78 cents.
The occupancy rate at the end of the quarter stood at 98.9%, a drop from 99.2% as of the end of last year.
Suntec Real Estate Investment Trust
Suntec Real Estate Investment Trust is another most sought after REIT in Singapore. The company owns a portfolio of properties both in Singapore and Australia. Some of its high profile assets include Suntec City, One Raffles Quay, and three other properties in the Marina Bay Financial Center.
In the most recent quarter, the REIT reported net property income of S$63 million versus S$61.8 million reported a year ago. Gross revenue was up S$90.7 million versus s$88.4 million. The REITs distribution per unit at the end of the quarter stood at 2.43 cents.
The REIT has, however, come under pressure in recent past given the dynamic retail scene in the country, a problem compounded by a high supply of office spaces.
Mapletree Commercial REIT
Mapletree sums up the top five largest real estate investment trusts in Singapore. The commercial retail deals with office buildings with its crown jewel being Vivocity a retail mall. Its portfolio comprises of five properties located in Singapore.
The company posted impressive fourth-quarter results whereby Distribution per unit rose to 2.28 Singapore cents from 2.26 cents as income rose 0.4% to S$64.8 million. Gross revenue in the fourth quarter was up 1.3% to S$108.9 million helped by a high contribution by Vivocity and Bank of America Lynch HarbourFront.
|SGX Code
|Total Return YTD %
|Dividend Yield
|Ascendas REIT
|CapitaLand Mall Trust
|CapitaLand Commercial Trust
|Suntec REIT
|Mapletree Commercial Trust
|Keppel REIT
|Mapletree Industrial Trust
|Fortune REIT
|Viva Industrial Trust
Original articles:
Everything You Ever Wanted to Know About REITs Investing in Singapore is here. by Neha Gupta
REITs Singapore: An Explainer of ALL the S-REITs in Singapore for Beginners by Neha Gupta


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02:02 | 2012-08-12
Victims of Saturday Quake Rise to 180
TEHRAN (FNA)- The two powerful quakes which struck parts of Northwestern Iran on Saturday have claimed the lives of 180 people and injured more than 1350 others, Iranian officials announced late Saturday night.
Director-General of the Crisis-Management Headquarters of Iran's Northwestern East Azarbaijan province Khalil Sa'ee announced that 180 people have been killed and over 1350 more have been wounded by the quakes.
Earlier on Saturday night, Iran's Deputy Interior Minister Hassan Qaddami told FNA that
"according to the latest reports and estimates, a number of 180 people have, unfortunately, been killed by the quakes thus far".
According to Qaddami, the death toll included 45 people in the city of Ahar, 40 in the city of Varzaqan and 50 in the town of Haris, while 18 others have lost their lives at hospital.
An earthquake measuring 6.2 on the Richter scale jolted Ahar in East Azerbaijan province at 16:00 hours local time (1130GMT) Saturday. The epicenter of the quake was located in an area 46.8 degrees in longitude and 38.4 degrees in latitude.
Almost an hour later another quake with magnitude 6 on the Richter scale jolted Varzaqan at 17:04 hours local time (1234GMT) in the same province. The epicenter of the quake was located in an area 46.7 degrees in longitude and 38.4 degrees in latitude.
According to local officials, 4 villages have been destroyed completely, while 60 others have sustained damage from 50 to 80 percent only in Ahar region.
The area has been shaken by 35 aftershocks in the last few hours. Officials have asked people in both areas to stay outdoors overnight.
Officials have also announced that the quake-stricken people are in dire need of mineral water, bread and tent as drinking water has been cut in all villages in the area.
Iran sits astride several major faults in the earth's crust, and is prone to frequent earthquakes, many of which have been devastating.
The worst in recent times hit Bam in southeastern Kerman province in December 2003, killing 31,000 people - about a quarter of its population - and destroying the city's ancient mud-built citadel.
The deadliest quake in the country was in June 1990 and measured 7.7 on the Richter scale. About 37,000 people were killed and more than 100,000 injured in the northwestern provinces of Gilan and Zanjan. It devastated 27 towns and about 1,870 villages.
Tehran alone sits on two major fault lines, and the capital's 14 million residents fear a major quake.
©2006 Fars News Agency. All rights reserved


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Charleston Conversations
Charleston Conversation on Southern Affairs
This series was generously endowed by UNC alumni and friends living in the vicinity of Charleston, South Carolina to explore timely issues and challenges in the American South. Recent conversations have focused on the legacy of the Voting Rights Act, black pioneers in higher education, and 21st-century movements for social justice.
Texan Folksinger Tish Hinojosa: Music & Conversation
Our most recent Charleston Conversation was with Tish Hinojosa on November 1, 2018. This conversation combined the launch of the special "Music & Protest" issue of Southern Cultures with music and conversation provided by Texan folksinger Tish Hinojosa. Hinojosa has dedicated her career to playing border, country, and Tejano music from the southwest, performing in English and Spanish. Issue guest editor, Brendan Greaves, was in conversation with Hinojosa for the evening.
You can learn more about Tish Hinojosa and her work via this interview feature by Southern Cultures, with Brendan Greaves as the interviewer. Hinojosa was also a guest on WUNC on November 1 on which she discussed her life and her work with protest music which you can access here.
For previous Charleston Conversations, please visit our archive.


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Homeology Real Estate Services
10808 S River Front Parkway
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Brian is a Realtor®, licensed real estate educator, and attorney. After a previous life in real estate litigation, he has settled into helping people sell and buy homes. Due to his expertise in the real estate industry, Brian is frequently sought out for opinion and commentary for the nationally syndicated website The Mortgage Reports. He has also been published in the Salt Lake Realtor® magazine and has done extensive research in the areas of stigmatized properties—properties where a death, homicide, or suicide occurred—and the legality of sellers using nanny cams when selling their homes. Because of his background, experience, and knowledge, he understands what it means to fully and fiercely represent his clients and get the deal they want with the best protections.
UtahRealEstate.com is Utah's favorite place to find a home. MLS Listings are provided by the Wasatch Front Regional Multiple Listing Service, Inc., which is powered by Utah's REALTORS®. UtahRealEstate.com offers you the most complete and current property information available. Browse our website to find an accurate list of homes for sale in Utah and homes for sale in Southeastern Idaho.


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Concrete spreaded plaster behind the kitchen unit – Architectural concrete in a darker shade
I am very satisfied with the result. The implementation was preceded by a personal meeting, where Mr Kucej showed samples and manufacturer's leaflets with the possible final appearance of the plaster. We agreed upon certain shade and manner of final treatment that would best suit my needs. The work was carried out with high quality including cleaning. Deadline and price were met, and I can happily recommend this company.


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One arrested for looting cash from ATM
New Delhi: A man was arrested after he tried to escape with cash looted from an ATM in Mandwali here, police said today.
Sanjeev (25) broke into an ATM of the Punjab National Bank and looted around Rs 3 lakh from it last night, they said.
He threatened the security guard with a screw driver and tried to escape with the loot on a motorcycle driven by his accomplice identified as Raghav.
The accused was nabbed by patrolling officers when the security guard raised an alarm, police said.
"Raghav fled the spot when the guard raised the alarm, while Sanjeev was caught trying to escape with the loot on foot," said Ajay Kumar, Deputy Commissioner of Police, East District.
Rs 2.68 lakh, an uniform of a security guard and a few screwdrivers were recovered from the accused, while the search for his accomplice is on, he said.
Sanjeev who worked as a cash feeder in ATMs was an expert in the functioning of the machines and knew how to unlock them, the police official said.
"During interrogation he has admitted to have stolen cash from ATM of the same bank across the city earlier" said Kumar.


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A young Melbourne woman, who upended her life to open a shop in Bali, said the reaction to the Mount Agung volcano was "over the top" and has "destroyed tourism" on the island.
Monique Ancora moved to Seminyak to open the 'The Happiness Journey Leather' in Bali a year ago, but the 29-year-old said the hype over the simmering volcano has unnecessarily kept tourists away.
"The businesses over here are really suffering and we all have absolutely no idea what is going on," Ms Ancora told Yahoo7 News.
"I understand that you can't plan for a volcano but the reality is unless you're in that 10 kilometre danger zone, Bali is still safe."
A Bali Tourism Board spokeswoman confirmed that the 10km exclusion zone around Mount Agung was still in effect on Monday.
Ms Ancora said she had turned her focus to her online store in a bid to keep her business alive, with all foot traffic "completely dead".
"The tremors started in September, from the moment that happened, it's literally just been dead," she added.
"They say a major eruption is imminent and then nothing happens.
Ms Ancora said "people need to know that they can still come", insisting that everything is still open in areas like Seminyak.
"Literally yesterday from when I opened the store at 3pm until I closed at 9pm, I didn't have a single person enter… it's just not Bali."
Heather Handley, a volcanologist at Sydney's Macquarie University insists the threatening volcano is "clearly still in an active phase."
"At all volcanoes we can expect fluctuations in activity. This does not mean that the threat is over," Ms Handley said
Meanwhile Qantas and Jetstar will resume flights to and from Bali on Monday, as the lingering ash cloud caused by the erupting Mount Agung begins to clear.
Virgin will fly out of the Indonesian holiday hot spot, but are still not flying into the island.
Thousands of holidaymakers were stranded in Bali as visibility deteriorated on Saturday, nearly a week since the volcano's eruption.
Jetstar cancelled all of its Sunday flights departing before 4pm, and Qantas cancelled it's Sunday night flight from Denpasar to Sydney.
While five Jetstar flights were able to depart on Saturday morning, several evening flights were cancelled.
Virgin was forced to cancel its three scheduled recovery flights on Saturday after conditions "significantly deteriorated," a spokeswoman said.
All of the airlines continue to monitor the situation and advise travellers flights may be cancelled if conditions worsen again.


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Mortgage down payment tips. mortgage application tips. House shopping tips. First-time home buyer mistakes to avoid. It's common to put 20% down, but many lenders now permit much less, and first-time.
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Down payment funds: We already covered down payment requirements for investment property, but it's important to note that none of the down payment can be a gift – it all has to be your own funds. Debt-to-income ratio requirements: You typically need a debt-to-income ratio of 43% or less to qualify for a mortgage.
Americans don't usually put down 3.5% or 20% on a home purchase. In 2016, the average home down payment as 11% according to the National Association of Realtors. Younger home buyers aged 35 and.
Here in south hampton roads, May's listing inventory was down. a home's first price reduction, which can start at $10,000.
The down payment is a portion of the total sales price of your home, which you give to the home's seller. The rest of the payment to the seller comes from your mortgage. Down payments are.
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The down payment.Cue the dramatic, fear-filled suspense music. Yeah, it's scary. Coming up with enough cash to put down when buying a house is the single biggest roadblock for most hopeful home.
First-Time Buyers: How Much Down Payment Do You Really Need These Days? Conventional wisdom says 20%, but you can buy your first home with much less down. By Teresa Mears , Contributor | May 3, 2019, at 10:19 a.m.
In either case, in order to figure out how much cash you will need as a down payment on your construction loan, you will need to know the amount the house will appraise for. If the bank's loan amount is based on construction cost, they won't lend more than 80% of value in any case (imagine your cost to build is $200,000 and the house appraises.
usda foreclosure waiting period PDF Chapter 10: Credit Analysis 7 Cfr 3555.151 10 – CHAPTER 10: CREDIT ANALYSIS 7 CFR 3555.151 10.1 INTRODUCTION To be eligible for a guaranteed loan, an applicant must have a credit history that demonstrates that they are reasonably able and willing to repay the loan and meet obligations in a manner that enables the lender to draw a logical conclusion about the
Historically the rule was that homebuyers should make a down payment worth 20% of the home value. That's a great number to aim for, but if the home is expensive or your savings are thin, that might not be feasible. To help you as you calculate your down payment, we looked into the typical down payment on a home purchase.


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The small and medium enterprises (SMEs) have raised Rs 1,281 crore through initial share-sales in the months of April-September of the current fiscal registering a nearly doubling from the year-ago period.
According to offer documents, the funds raised through IPOs were meant for business expansion plans, working capital requirements and other general corporate purposes.
As per the data provided by merchant bankers, a total of 74 companies got listed with initial public offers (IPOs) worth Rs 1,281 crore in the first six months of the ongoing fiscal year, compared to the 58 firms which tapped the IPO route to garner Rs 656 crore in the same period last financial year.
In fact, these companies are listed on the SME platforms of BSE and NSE.
The Managing Director of Pantomath Group Mr. Mahavir Lunawat said, "with companies listed on SME platform becoming more established, investor base is also getting broadened. Moreover with increasing number of SME stocks and greater returns thereon, more and more investors are getting attracted for SME investing."
As per sources, the companies which got registered, during the period under review, were from the sectors such as manufacturing, textiles, engineering, agriculture, chemicals, food processing, media and entertainment, construction and finance and investments.
It has been more than six years since the SME market opened up. The market has been growing gradually with varying trends such as high over-subscriptions, widening shareholder base, venture capital exits through this platform and anchor investor participation.
The SME platforms was launched in March 2012 by BSE and NSE. Since then, over 450 companies have got registered on them raising more than Rs 5,400 crore. In fact, some of the SMEs have even shifted to the main-board.
The not only provides platform and opportunities to SME entrepreneurs to raise equity capital for growth and expansion but also provides immense opportunity for investors to identify and invest in good SMEs at an early stage.


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The Most Popular Scientific Papers Example
Broadly speaking, if you're just starting to read scientific personal statement examples papers, reviews are a wonderful place to start. There are already fantastic models for much of that which we observe, thus we can usually locate the seeds of a response to our question through research. In reality, one useful method of looking at it's that nothing is ever proven true.
As a rule of thumb, graphs or charts (called figures) do a better job of creating a point than tables, but it's not always feasible to find all the info you need into a figure. In a document, you might have lots of figures, plenty of tables, and an entire bunch of sections. Complex figures are handy while we want readers to compare a number of parts of information or maybe to establish analytical relationships among parts.
If you do, extract all the crucial ideas. Our scientific editing services are http://cs.gmu.edu/~zduric/day/how-to-write-thesis-on-word.html also extremely handy for native speakers of English who wants a second pair of professionally trained eyes to make certain that the scientific work they submit for publication consists of no errors or inconsistencies and is normally polished to perfection. Be certain that you do not take merely a descriptive approach to the topic.
Excellent signposting is important. Don't even consider dissertation editing as soon as you finish writing the prior sentence. Checking the format is normally a huge job for those editors.
It might be helpful to get together to encourage one another to write. The exact same applies if more than a couple of organisms were studied. For most assessed reports you'll be told how much time it ought to be.
All the websites are offered from on-campus student-accessible computers. It gives key benefits but minimizes experimental information. Sharing the outcomes of scientific experiments is among the most important elements of science.
Scientific documents must also fulfill the scholarly standards observed in all prosperous academic writing. Probably it's the simplest section to write, but the hardest section to receive right. Use sub-subheadings should you wish.
Many of the papers note that the principal influence on warming seems to be solar activity. Specifically, this research demonstrates how scientific studies which seem to provide a positive result for a particular effect, like the impact of Vitamin E and cardiovascular disease, are often actually not conclusive when looked at on a bigger scale. The only difference is going to be the sort of fertilizer used on each individual group.
It is tough to assess the characteristics of a superior review, and several researchers have identified problems with the practice. You ought to be in a position to succinctly explain the reason why this research was done as a way to understand it. Scientific evidence relies on data, and it's vital for researchers to make certain that the data they collect is representative of the authentic circumstance.
Try to remember, boiling the ocean is a significant bit tougher than boiling a pot of plain water. An essential part of the usage of the scientific method is it helps to ensure that the experiment should have the ability to be replicated by anyone. As soon as you've paramount essay completed these steps as you do the experiment, you will be in a superb place to draft a productive lab report.
Everything in the remainder of the paper must relate directly to the aims of the study. Any tables and figures included in the appendix ought to be numbered as a distinct sequence from the home paper. There are 3 reasons to compose reproducible papers.
The style is more dependent on the special journal. For this reason, you can establish the angle and commence drawing them accordingly. But the most usual figure by far, particularly for undergraduates, is the line graph, therefore we'll concentrate on such a type within this handout.
Different scientific papers will call for varied objectives, therefore it's beneficial to look at the particular assignment requirements for each paper. Writing the 31 provincal papers would also have been a large amount of work for those authors, though they appear to have cut some corners here, because the papers contain a whole lot of overlapping text. Every scientific paper has to have a self-explanatory title.
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Parallel Verses
New Living Translation
My dear brothers and sisters, how can you claim to have faith in our glorious Lord Jesus Christ if you favor some people over others?
King James Bible
My brethren, have not the faith of our Lord Jesus Christ, the Lord of glory, with respect of persons.
Darby Bible Translation
My brethren, do not have the faith of our Lord Jesus Christ, Lord of glory, with respect of persons:
World English Bible
My brothers, don't hold the faith of our Lord Jesus Christ of glory with partiality.
Young's Literal Translation
My brethren, hold not, in respect of persons, the faith of the glory of our Lord Jesus Christ,
James 2:1 Parallel
CommentaryWesley's Notes on the Bible
2:1 My brethren - The equality of Christians, intimated by this name, is the ground of the admonition. Hold not the faith of our common Lord, the Lord of glory - Of which glory all who believe in him partake. With respect of persons - That is, honour none merely for being rich; despise none merely for being poor.
James 2:1 Parallel Commentaries
LibraryJames the Brother of the Lord.
He pistis choris ergon nekra estin.--James 2:26 Sources. I. Genuine sources: Acts 12:17; 15:13; 21:18; 1 Cor. 15:7; Gal. 1:19; 2:9, 12. Comp. James "the brother of the Lord," Matt. 13:55; Mark 6:3; Gal. 1:19. The Epistle of James. II. Post-apostolic: Josephus: Ant. XX. 9, 1.--Hegesippus in Euseb. Hist. Ecc. II. ch. 23.--Jerome: Catal. vir. ill. c. 2, under "Jacobus." Epiphanius, Haer. XXIX. 4; XXX. 16; LXXVIII. 13 sq. III. Apocryphal: Protevangelium Jacobi, ed. in Greek by Tischendorf, in "Evangelia …
Philip Schaff—History of the Christian Church, Volume I
The Jewish Christian Theology --I. James and the Gospel of Law.
Comenius and the Hidden Seed, 1627-1672.
Cross References
Deuteronomy 1:17
and impartial in your judgments. Hear the cases of those who are poor as well as those who are rich. Don't be afraid of anyone's anger, for the decision you make is God's decision. Bring me any cases that are too difficult for you, and I will handle them.'
Acts 7:2
This was Stephen's reply: "Brothers and fathers, listen to me. Our glorious God appeared to our ancestor Abraham in Mesopotamia before he settled in Haran.
Acts 10:34
Then Peter replied, "I see very clearly that God shows no favoritism.
1 Corinthians 2:8
But the rulers of this world have not understood it; if they had, they would not have crucified our glorious Lord.
Hebrews 12:2
We do this by keeping our eyes on Jesus, the champion who initiates and perfects our faith. Because of the joy awaiting him, he endured the cross, disregarding its shame. Now he is seated in the place of honor beside God's throne.
James 1:16
So don't be misled, my dear brothers and sisters.
James 1:19
Understand this, my dear brothers and sisters: You must all be quick to listen, slow to speak, and slow to get angry.
Jump to PreviousAccount Attitude Christ Distinctions Faith Glorious Glory Hold Jesus Maintain Partiality Personal Persons Position Respect Striving
Jump to NextAccount Attitude Christ Distinctions Faith Glorious Glory Hold Jesus Maintain Partiality Personal Persons Position Respect Striving
LinksJames 2:1 NIV
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James 2:1 Commentaries
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|► Attorney Paul Bartle of Blue Bell, PA; moronic cheater
Attorney Paul Bartle of Blue Bell, PA; moronic cheater
The state of Pennsylvania presented Paul Baker Bartle with a law license in 1972 after he graduated from the Dickinson School of Law at Penn State University.
The Office of Disciplinary Counsel (ODC) found Paulie guilty of the following misconduct.
As a consequence of his misconduct, the enablers for Attorney Misfits sitting on the Pennsylvania Supreme Court punished Paulie by gifting him with a complimentary reprimand.
As we speak (ca. July 2015) Paulie practices with Flamm Walton PC at 794 Penllyn Blue Bell Pike in Blue Bell, Pennsylvania.


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10 facts about Vienna you should know
Vienna is the capital of Austria. We speak German, but with a strong accent. We understand Germans very well, but they have sometimes a hard time with us. Vienna has 23 districts which are numbered and they also have a name. The so-called 1st district is the old city center where most tourist sights are in walking distance. Only few locals live in the 1st district. Vienna has been awareded as the city with the highest quality of living. Vienna enjoys a very good and efficient


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Constructing a Fun Workplace
Face it- being in the same environment for eight hours a day five days a week can become pretty boring and repetitive- of course you don't want to say that out loud. You, the employer, are probably pretty aware of that. Why not surprise your employees and redesign your workplace with a hip, new edge. There many ways you can implement fun at the office with a few simple techniques.
Motivate Your Employees
It's hard enough getting up at 6a.m., getting the children ready for school, working all day, then come home around 5:30 p.m. do daily chores and having to cook dinner. An employee is less likely to dread coming to the office when they have a boss that appreciates and motivates them.
- Allow your employees to listen to music.
- Put up some motivational posters.
- Include leadership quotes in email signatures.
- Say Thank You to your employees often.
- Recognize accomplishments.
Encourage Team Building and Fun
Team building allows better communication and stronger bonds between employees. I was taught you don't stop having fun because you grow old; you grow old because you stop having fun! The workplace extremely cliché, why not allow them to bring their inner child sometimes to work?
- Allow employees to play paper football while waiting for meetings to start.
- Don't judge them when you see them on camera dancing in the elevator.
- How about playing typing games every now and then to get them better at typing, if their jobs requires it!
- Create a mural for employees to share their kids' artistic abilities.
- Have holiday parties.
Get the Community Involved
Getting the community involved can help your company get recognized, which can only be a benefit for your business. Yes, spending money on community events can cost a few dollars but people will see you as a friendly and down to earth person that cares.
- Host a talent show and let others get involve.
- Have a community bar-b-que at a local park.
- Volunteer to help others in the community.
Allowing employees to express their fun side that they rarely get to show will allow them to bring back a part of them they may have forgotten. It will help them feel more relaxed at work knowing they can totally be themselves. Having a less stressed environment will also help increase productivity.


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BlizzCon 2018 Q&A Submission ThreadGeneral Discussion
10/31/2018 01:40 AMPosted by UtrivusWill we ever be seeing healing touch making a come back?Resto Druid feels incomplete without it (or even Nourish for that matter).
What are you doing in wow?General Discussion
I started a Mag'har Priest on Barthilas but I haven't found the motivation to log in since attending PAX AU last weekend.
The game is dead ( for alliance )General Discussion
10/31/2018 01:22 AMPosted by EleroleronLol, im practically drowning in Alliance on Frostmourne. My friends actually think i'm a masochist because I play Horde on frostmourne.Not sure what "populated' realm you're looking at.I'm surprised you haven't moved to Barthilas. It's the opposite of Frostmourne, in that it has a massive population imbalance in Horde's favour.
The game is dead ( for alliance )General Discussion
This is a vicious cycle that will only continue to get worse. Players switched to Horde due to perceived racial advantages in PVE and PVP. More 'serious' players end up on Horde side.More players transfer to Horde to do serious content. This trickles down to all aspects of the game. It starts with Mythic Raiding. There are so many more top Mythic raiding guilds as horde. Players transfer to horde for greater opportunities. This filters down to Heroic raiders now too, as those who want to progress to harder content also need to transfer to Horde for more opportunities.I made the switch after pl…
BlizzCon 2018 Q&A Submission ThreadGeneral Discussion
As much as the Legendary system from Legion was a contentious issue, it gave many players the 'hook' of wanting to do content for the 'chance' of a great item appearing.Now, with many players including myself already exalted (or close to) with many of the BFA factions, there seems little incentive to complete daily content anymore. Do you have any 'hooks' planned to keep people wanting to do daily content
Shadow Priest Changes in 8.1Battle for Azeroth Items and Classes
Some welcome changes.Can we have returned some of the previous baseline abilities that you forced into talents?The class just doesn't feel the same without Shadow Word Death as baseline. Even Void Torrent would be great if it were returned.
Upcoming Azerite Armor ImprovementsBattle for Azeroth Items and Classes
Give us class set armours again and put these azerite traits on the damn necklace.
Island Expeditions - Collection FeedbackBFA Dungeons, Island Expeditions, and Raids
09/13/2018 12:25 AMPosted by SquirbleI've run well over a hundred of these things Wow. I have done maybe 10 and I have decided I hate expeditions enough to avoid completing them.
Ability/Loot Lag on Oceanic Servers Despite Normal LatencyTechnical Support
The Zone you are in: VOLDUNThe character you are on: Nashwan (My monk)How long ago you had the issue : Approximately 4 hours ago. 8pm server time.The Realm the affected character is on : SaurfangIf you are in a group or not: SoloingIs war mode on or off: War mode was off.Many people in Voldun zone chat were complaining about the intense loot lag. I was on my Monk and my usual 3.7 second Fists of Fury ability would sometimes channel for 8-10 seconds. Everyone who complained had War mode off. The people with War mode on said they were not having an issue.


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We're really excited to share a recent project our Charleston office is working on with Homes for Hope, a Greenville-based nonprofit. The Opportunity Center, located in North Charleston, will house local nonprofit offices, a business incubator, and a career training facility. Intended to
Backpack to the Future, a joint effort between the United Way of Asheville and Buncombe County, was this year's theme for the annual School Supply Drive. Since 2007, the Drive has provided more than 12,100 students with items to help prepare them for school. The MPS Asheville Office was thrilled to
Cane Bay YMCA opened its doors to the public on April 27, 2019 in Summerville, South Carolina. McMillan Pazdan Smith, having served as the architect on the facility, was on-site to celebrate the ribbon cutting ceremony that officially marked the Grand Opening of the brand-new center. The day was
Loud noises. Bright, flashing lights. Large crowds. These are just a few of the stimuli that can make a live concert or sporting event an overwhelming experience for individuals with sensory sensitivities – often leading to the decisions to leave early, or not even attend at all! At Bon Secours
Project Architect, Cary Perkins, recently wrote an article for The National Humane Society about how architecture influences visitors and animal flow and how good shelter design can increase adoptions, lower euthanasia rates and increase staff productivity. Read her blog post here!


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Wear Your Crown, Princess
Remember the CW's hit show, Gossip Girl? Blair Waldorf, played by Leighton Meester, and her minions (a.k.a all her friends who did her dirty work for her), gave a new meaning to their hair accessory world. These young women wore their headbands as a means of displaying their status. Of course, we are all mature adults here and should not be competing with our peers for status, based off of hair pieces, there is no reason that hair accessories can't be worn into adulthood. In fact, hair accessories should be worn more often!
Glitter, Gold, Glitz, and Glam
When thinking of hair accessories, it seems that the first thing to come to mind are the ones your daughter leaves all over the house: the thick elastic bands with "LOL," "BE HAPPY," and "GIRLS RULE" printed on them, the slinky looking hair ties that look more like key ring bracelets, and the three inch wide headbands that have plastic flowers – or had plastic flowers, before they fell off. You don't have to worry because we aren't encouraging you to sport those to your next office meeting. What we are encouraging is you take a few minutes and check out all the mature hair accessories that are out there, allow yourself to be surprised, and try them out.
Many of the hair accessories you will see are truly fit for a queen; they are often silver, gold, or bronze colored. Often times the have a glittered dusting or simple rhinestone accents. These glam hair accessories are perfect sense they can be dressed up or dressed down. Below are three of our favorite hair accessories, all of which look stunning with a gold or silver metallic glow.
Elegant Headbands
Whether you're looking for a sweatband for the gym, a toothed headband to accentuate your slicked back ponytail, or a novelty headband to accentuate your locks you can find one! All of which come in a variety of natural gold colored materials with simple glitter accents.
Here are a few tips to ensure you choose the perfect headband:
- Make sure it fits! Although headbands are made as one size fits all, this method doesn't seem to work when everyone's head is shaped differently.
- Check the durability of the piece, you don't want it to break after only a few wears. Go ahead and bend it a bit, if it's in excellent condition, it won't have much give.
Chic Banana Clips
Yes, ladies, they have made their way back. In fact, many stylists now say that they are a must-have accessory because you can do so much with them! Create a voluminous ponytail by simply pulling all your hair back and securing the banana clip.
Need a quick up-do on a hot day? Try this: pull your hair back into a ponytail with the banana clip, then fan all your hair around and over the clip. Then roll reach section of your hair away from the center of the ponytail and tuck it under the base of the clip. You will know that you accomplished the look when you have a smooth donut-like bun.
Lovely Elastics
Sometimes the classic black elastics just don't match. Luckily they made hair ties today that actually match your jewelry! Not only are they made in solid gold and silver colors, but there are some that have elegant glass beads disguising them as just another bracelet.


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Reset My Password
This will send a password reset to your email address on file. A reminder that your email address on your account must be valid and working to receive the reset request.
Hi, im a 40 soon to be in a few months. Got nothing much to say but hope to learn a lot more as we share along the way.
Forum Rules


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New Jersey News
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Here's What To Do In Newark This WeekendFrom a podcasting workshop to a winter coat drive, there's plenty to enjoy in Newark this weekend. Read on for a rundown of ideas for how to fill your calendar.
Forgotten Families: Elizabeth May Join Newark's Lawsuit Against NYC Over SOTA ProgramThe mayor of Elizabeth said he's strongly considering it after nearly 50 homeless families were relocated there.
N.J. Residents Still Coping Without Heat, Electricity Following Season's First SnowstormTens of thousands of people are still in the dark and cold after Monday's winter storm, and the power might not come back on for a few days.
Passionate Schiano Takes Over Rutgers Football For 2nd TimeFive minutes after being introduced as the Rutgers football coach for a second time, Greg Schiano gave a clear indication why he might be the man to make the Scarlet Knights competitive in the Big Ten.
Thousands Without Power In New Jersey After Season's First Major SnowstormAndover Township Police Chief Eric Danielson told CBS2's Meg Baker that 95% of residents were affected, even comparing the situation to Superstorm Sandy.
Controversial SOTA Program Exporting Homeless Families From NYC To Newark Leads To LawsuitFor nearly a year, CBS2 has been covering the Forgotten Families who say they were pressured by New York City to leave and move into unlivable homes.
New Jersey's Popular Tick Tock Diner Reopens With New Menu After RenovationsIf you want to try "The Mick Jagger" or some of the other new dishes, the diner is open 24/7.
Lawsuit Claims Ex-Cardinal McCarrick Abused Boy In Newark In 1990sMcCarrick was defrocked in February at age 88 after a church investigation determined he sexually abused minors, as well as adult seminarians.
So Far, Port Authority Has Not Budged On Its Idea Of Eliminating GWB Carpool DiscountA New Jersey lawmaker is pushing back against a Port Authority plan to do away with a carpool discount at the George Washington Bridge and Holland and Lincoln tunnels.
Snowstorms Leave Holiday Travelers Stranded At Airports Across Tri-State, U.S.Some flights were delayed, while others were canceled altogether, stranding many holiday travelers heading back home after Thanksgiving.
Thousands Without Power In New Jersey As Snowfall Leads To Downed WiresSnow fell steadily in New Jersey on Monday, and state offices and schools closed early to allow many people to get home safely.
Newark Lawsuit Demands NYC Stop Relocating Forgotten FamiliesThe New Jersey city is taking action to stop the program from moving any more homeless families into places where many have suffered at the neglect of their new landlords.
Investigators Looking Into Deadly Police-Involved Shooting In SecaucusThe shooting happened last night during an investigation at the Harmon Cove gated community in Secaucus.
Holland Tunnel To Feature Peoples' Pick For New Holidays Decorations After Last Season's ControversyThe holiday decorations over the Holland Tunnel aren't taking any chances this year and going with the popular vote from last season for its seasonal signage.
Looming Holiday Weekend Storm Already Causing Massive Traffic Jams, Hundreds Of Flights CanceledA winter storm closing in on the Tri-state area is forcing millions of people to cut their holiday weekends short and get out of dodge ahead of the snow.


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Micro To Nano Sim Card Template Pdf Download A4 Cutter Iphone 4 5 All You Need Know Part 2
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Benefit Your Beneficiaries by Updating Your Personal Information
Changes in life and relationships can happen in the blink of an eye. With this in mind, it's important to notify the university and update personal information such as your designated beneficiaries or address.
What is a beneficiary?
A beneficiary is the person, persons, or entity you name on a life insurance policy to receive the proceeds of the life insurance policy upon your death.
Naming a beneficiary ensures that they receive all of your life insurance benefit in the event of your death. Since this benefit is not part of your will, provincial probate fees and lawyer fees don't apply, and creditors will not have an opportunity to get access to it.
What is an estate?
A person's estate can include all of a person's possessions, including their property, other assets, and debts at the time of their death.
If you don't designate a beneficiary, your life insurance will be paid to your estate in the event of your death (or your spouse's estate in the event of their death, if you hold Spousal Optional Life Insurance). Probate will occur, which is a lengthy and costly legal process of administering your estate.
Why do I need to update my beneficiary?
In the event of a claim, you want the benefit to be paid to the correct individual(s) or organization.
How do I check and update my life insurance beneficiary?
To view your current life insurance beneficiary:
- Log in to the Faculty & Staff Self-Service portal at msp.ubc.ca, using your Campus-Wide Login (CWL) and password. If you are off campus, you will need to connect using VPN.
- Click on "My Benefits".
- Click on "Basic Life" or "Optional Life/AD&D" (if applicable).
- Your current beneficiary will be displayed. If you need to update this information, refer to the following instructions.
To update your life insurance beneficiary:
- Fill out the relevant form:
- Basic Life Beneficiary Change Form
- Employee Optional Life/AD&D Beneficiary Change Form
- Spouse Optional Life/AD&D Beneficiary Change Form
- Submit the original, completed form to your nearest UBC Payroll Office (see below) and keep a copy for your personal records.
It is also important to keep your beneficiary information up-to-date for your UBC pension benefits. In the event of your death, your designated beneficiary(ies) may receive a death benefit from the plan.
Under British Columbia pension legislation, your spouse must be named as your primary beneficiary unless they sign a survivor benefits waiver.
For more details about pension beneficiary designations, visit the Staff Pension Plan or Faculty Pension Plan.
If you have questions about pension beneficiaries, contact the Pension Office at 604-822-8100 or email email@example.com for the Staff Pension Plan or firstname.lastname@example.com for the Faculty Pension Plan.
Why do I need to update my address?
This is to ensure that important correspondence is sent to the correct address.
To view and update your current address:
- Log in to the Faculty & Staff Self-Service portal at www.msp.ubc.ca, using your Campus-Wide Login (CWL) and password. If you are off campus, you will need to connect using VPN.
- Click on "My Personal Summary".
- You will be able to edit and view your address.
- If you are enrolled in the Medical Services Plan (MSP) through UBC and need to update your address with Health Insurance BC, please fill out this form and submit it to the appropriate UBC Payroll Office:
Vancouver Campus
UBC Financial Operations
Attention: Payroll Services
5th Floor – TEF 3
6190 Agronomy Road
Vancouver, BC Canada V6T 1Z3
Okanagan Campus
Finance Operations & Strategies
Attention: Payroll
ADM006 – 1138 Alumni Ave
Kelowna, BC Canada V1V 1V7
Do you have questions? Contact the Health, Wellbeing & Benefits team at firstname.lastname@example.com.


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