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On December 27, 2018, at 5:07 a.m. Moscow time, Soyuz-2.1a carrier rocket with Fregat booster and Earth remote sensing (ERS) satellite vehicles №5 and №6 of the Kanopus-V series, as well as 26 hosted payload space vehicles, was successfully launched from the launch pad of the Vostochny Cosmodrome.
"The Soyuz-2.1a carrier rocket was launched at a scheduled time," Russia's Roscosmos space agency said.
In accordance with the launch sequence, following two impulses of Fregat booster's service propulsion system, satellite vehicle Kanopus-V №5 and satellite vehicle Kanopus-V №6 were routinely detached from the booster at 6:06 a.m. and 6:12 a.m. Moscow time respectively.
Kanopus-V satellite vehicles that have been developed and crafted by VNIEM (All-Russian Scientific Research Institute Of Electromechanics) Corporation, are designed for monitoring of anthropogenic and natural emergencies, including hydrometeorological phenomena, large-scale emissions of pollutants, monitoring of agricultural activities, natural resources and land management.
Using successive impulses of Fregat booster's service propulsion system, two groups of small space vehicles, composed of 12 and 14 space vehicles respectively, were detached from the carrier rocket. All of the space vehicles were deployed to operational orbits.
Altogether, seven impulses of Fregat booster's service propulsion system were carried out in the course of the mission, with the last one deploying the booster to the "withdrawal" orbit. Fregat booster has once again proved its undeniable competitive advantage on the global launch services market. This was Fregat booster's 72nd launch.
Space vehicles GRUS, iSAT, UWE-4, Sparrow and 8KA of Lemur type that are deployed as hosted payload under the contracts of Glavcosmos Launch Services and Glavcosmos, were routinely detached from Fregat booster between 7:33 a.m. and 7:50 a.m. Moscow time at the orbital height of about 585 km.
Space vehicles Lume-1, ZACube-2 and 12 Dove satellites were also routinely detached from Fregat booster between 9:13 a.m. and 9:43 a.m. Moscow time at the orbital height of about 495 km.
This was the fourth launch from the Vostochny spaceport in Russia's Far East.
Credit: roscosmos.ru, tass.com


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For students interested in…
Getting started in linguistics
LING 1069 – Bad Words and Taboo Terms (Linguistics Foundation Course option for major, fulfills HF) - This Foundation Course is an introduction to linguistic study through the lens of taboo language, a pervasive part of all languages. Surveys topics in modern linguistics by studying taboos in various languages. Students sensitive to obscene words are discouraged from enrolling, as are students with only a prurient, non-scholarly interest in taboo language. [Typically offered fall, spring, and summer]
LING 1200 – Introduction to the Study of Language (Linguistics Foundation Course option for major, Introductory course for minor, TESOL Certificate course, fulfills HF) - The Foundation Course is an introduction to the nature of human language from the perspective of modern linguistics. Focuses on sounds, words, and sentences through analysis of data from various languages. Additional topics may include: social and geographic variation, language change through time, first- and second-language acquisition, language and culture. [Typically offered fall, spring, and summer]
LING 3050 – Cruciverbalism: Crosswords and Language (Fulfills BF) - This course examines crossword puzzles and the structure of language with the goal of exploring the relationships between them. It centers around solving and constructing crossword and related puzzle types, as well as the linguistics systems that make this kind of puzzle possible. Topics include the exploitation of semantic and syntactic ambiguity to make challenging puzzles, the ways English sound patterns make constructing puzzles difficult, properties of language that can facilitate solving puzzles, and how crosswords vary across languages.
LING 3475 – Language Myths (fulfills BF and QB) - This course investigates popular beliefs about language and discusses the perspective
of modern linguistics concerning those beliefs. [Typically offered fall, spring,
and summer]
LING 4170 – Biolinguistics - This course looks at how language and biology interact. The topics discussed in class include how human language emerged, patterns found in human languages as well as elsewhere in the natural world, and animal communication systems.
Philosophy, language & cognition
LING 4160 – Language and Cognition (fulfills HF) - Introduction to linguistic perspectives and concerns in cognitive science. Emphasis on notions of universals of language and the biological basis of language structure.
LING 5031 – Philosophy and Linguistics (prerequisites: LING 3160, or LING 5030 or PHIL 3400) - Meets with LING 6031. Survey of traditional and contemporary problems related to language as these are studied in linguistics and philosophy. The emphasis in the course will be on meaning and reference. Topics may include discussion of the relationships between semantic theory and philosophy and language, how language refers to the world, questions of representation of mental content, conversational implicature and its effect on communication, demonstratives and names, and the relationship between theories of mental structure and theories of meaning.
The history of language
LING 3066 – Origins of English Words (Fulfills HF) - In this course students acquire familiarity with basic techniques of determining the probable origins of any given word, native or borrowed, in the English language. Includes an exploration of the stories (cultural, social, and political) that many words have to tell.
LING 4130 – Introduction to Historical Linguistics (fulfills HF, prerequisite: LING foundations course) - Historical linguistics is about how and why languages change. This course is a hands-on introduction to historical linguistics. Students learn not only the fundamental contents and methods of historical linguistics, but also how to do historical linguistics by working through exercise involving a variety of languages. Meets with LING 6130.
Language, culture & society
LING 3220 – World Englishes (TESOL Certificate course, fulfills IR) The purpose of this course is to investigate the spread of English as an international language: its historical development, socio-cultural diversity and linguistics variation. In addition to numerous readings on native and non-narrative varieties of English, which can be found throughout the world (e.g., Indian English, Singaporean English, Chicano English, etc.), topics related to educational linguistics within a World Englishes paradigm will also be addressed in order to better understand common pedagogical problems and concerns related to the English language teaching in international contexts. [Typically offered fall, spring, and summer]
LING 3470 – Language and Culture (Fulfills HF and IR) - This course discusses ways a human language reflects the ways of life and beliefs of its speakers, contrasted with extent of language's influence on culture. Wide variety of cultures and languages examined. [Typically offered fall, spring, and summer]
LING 3480 - Language and Social Justice (Fulfills HF) - This course examines the role of language in social justice. Employing methodological approaches from the field of Linguistics, the course will explore topics such as standard and non-standard varieties, accent bias, minority language rights and policies, educational access and immersion/bilingual education, signed languages, pidgins and creoles, and language death. Students will analyze how language attitudes can translate to societal power and privilege, and discrimination, and explore how language inequity manifests itself in their immediate environment, and different societies, including examples from different communities and societies around the world.
LING 3600 – Cross Cultural Communication (fulfills DV and HF) - Brings together native and non-native speakers of English to explore the theory and practice of communication across languages and cultures. [Typically offered fall, spring, and summer]
LING 4040 – Introduction to Sociolinguistics - Meets with LING 6040. Theoretical principles governing social and linguistic variation, and the methodology used to study it. How speech is affected by age, sex, socioeconomic class, ethnicity, and regional background, and the political/educational implications, all with a focus on the United States.
LING 4150 – Forensic Linguistics - This course will present an overview of forensic linguistics with an emphasis on the areas where linguistics and the law intersect. We will especially focus on the nature of legal language, language and disadvantage before the law, the expression of defendants' rights, linguistic methods applied to statutory interpretation, and the role of language in the legal process.
The sounds of language
LING 4010 – Introduction to Phonetics and Phonology (required for Linguistics Major, required for Linguistics Minor, prerequisite: LING foundation course) - Analysis of speech sounds of the world's languages, with a focus on both their articulatory and acoustic properties. An introduction to phonetic alphabets, including practice in transcribing a variety of language samples. Analysis of the systematic organization of speech sounds in the worlds languages, with reference to features and rule-based explanations of phonological phenomena. [Typically offered fall and spring]
LING 5011 – Intermediate Phonetics and Phonology (required for Linguistics minor, prerequisite: LING 4010) - An introduction to subcomponents of nonlinear phonology: syllable phonology, prosodic and metrical phonology, autosegmental phonology, and feature geometry. Also treated are phonological interfaces with morphology and syntax, and preliminary comparisons between rule-based and constraint-based models of phonology. Includes an exploration of the phonetic bases for phonological generalizations, as well as the phonetic detail of their expression.
The structure and meaning of language
LING 4020 - Introduction to Syntax (required for Linguistics major, required for Linguistics minor, prerequisite: LING foundation course) Introduction to the structure and organization of phrases and clauses in natural language. A scientific approach to an empirically motivated theory of syntax. Students learn terminology, problem-solving, logical argumentation, and its presentation. [Typically offered fall and spring]
LING 5021 – Intermediate Syntax (required for Linguistics minor, prerequisite: LING 4020) - Groundwork in a modular, constraint-based approach to syntactic competence. Focus on case-assignment, thematic roles, movement, coreference, empty categories, and levels of representation.
LING 5022 – Advanced Syntax (prerequisite: LING 4021) - Seminar using recent papers and book-chapters from the primary literature in theoretical syntax. Students develop ideas and a bibliography for their own research papers.
LING 5030 – Semantics (prerequisite: LING 4020) – Introduction to the study of meaning of phrases and clauses. Meets with LING 6030.
How languages are learned and processed
LING 5024 – Child Language Acquisition (prerequisite: LING foundation course) - Meets with LING 6024. Nature and acquisition of child grammar, from experimental and theoretical perspectives.
LING 5190 – Psycholinguistics (prerequisite: LING foundation course) - This course surveys core issues in the field of psycholinguistics. Throughout the course we will study how humans understand and produce language in real-time and how these complex abilities develop in infants and adults second-language learners. Topics may include, sounds (categories and speech perception), words (lexical access), sentences (structural ambiguity; dependency resolution), and their development.
LING 5300 – Computational Linguistics (prerequisite: LING foundation course or LING 4020 or co-requisite LING 4021) Meets with LING 6300. A survey of different subfields of computational linguistics. Topics include information retrieval, natural language processing, machine translation, and computer-assisted language learning. Students examine how linguistic concepts like syntax and morphology are articulated in a computational environment for specific purposes, such as text search. Basic programming knowledge helpful but not required.
Teaching English as a Second Language
LING 3500 – Introduction to English Grammar (TESOL Certificate course) - A descriptive overview of the forms and function of English grammar structures with guidance in standard usage. [Typically offered fall and spring]
LING 3510 – Grammar and Stylistics for Academic Writing (fulfills CW) - Examines common grammatical and stylistic problems from a rhetorical and functional perspective. [Typically offered fall and spring]
LING 5233 – Pedagogical Structure of English (prerequisite: LING foundation course) Meets with LING 6233. An analysis of a broad range of English phonetic and grammatical structures and models for teaching this material in the ESL/EAS classroom.
LING 5810 – L2 Methodology (TESOL Certificate course, prerequisite: LING foundation course) Meets with WLC 5410. An examination of approaches and methods in second-language teaching, as well as the theories of language and language acquisition on which they are based. Discussion and practice of current assessment procedures. Also a focus on educators' implicit theories of L2 learning and teaching. Includes critiqued peer teaching. This course is restricted to students in the TESOL certificate and Foreign Language majors and minors. [Typically offered fall and spring]
LING 5813 – Practicum (TESOL Certificate course, prerequisite: LING 5810 or LANG 5400) - LING 5813 focuses on the development of second and foreign language teaching skills, particularly skills for lesson planning and delivery for different levels of language proficiency and different contexts. To this end, the course is designed to give preservice teachers opportunities to do the following: (1) identify indicators of effective language instruction, (2) develop skills in observing second language (L2) classes, (3) select and/or develop instructional activities appropriate for different levels of language proficiency and contexts, (4) develop skills in planning lessons for L2 learners, (5) practice teaching skills using a variety of instructional strategies, (6) incorporate constructive criticism into lesson planning and micro-teaching demonstrations. The course has either a 30-hour field experience requirement for LING 5813 or a 45-hour field experience requirement for LING 6813. LING 6813 also requires that students develop a professional e-portfolio. [Typically offered fall and spring]
LING 5818 – Second Language Test Design (prerequisite: LING 5810 or LANG 5400, and LING 1200) - An overview of the conceptual bases of language testing and procedures for designing and developing useful language tests.

subset: commoncrawl


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Oliver Osborne – Untitled
2017, oil on linen
Oliver Osborne – Untitled
2017, oil on linen
Bread baguettes painted in the formation of Stonehenge.
Painting done as a gift for a friend.
Jessica's website.
Christos Foukara
These three bodies of works are testimony to Foukaras' conscious effort to keep the traditional image of Cyprus and the people who lived in past times vibrant in our memory.
Foukaras, from Kissonerga, studied art at the Surikov Art Institute in Moscow (1970–1976). After his studies he moved to Athens where he worked and exhibited a series of works inspired by the events of 1974. From 1979 until 2004, he worked as an art teacher in secondary schools.
Read more here.
Prince Philip – The Queen at Breakfast
Windsor Castle – 1965
The Duke of Edinburgh is known for his appreciation of fine art, but less well known is his own talent for applying oils to canvas.
The table is covered with a crisp white tablecloth, the plates, cups and saucers are white china, and there is a whole loaf of fresh bread with a jar of what appears to be marmalade, the spoon standing poised for use inside.
Read full article here.
Jessica Naisbitt – Bread paintings
Jessica Naisbitt enjoys getting creative in the kitchen with a special bread dough recipe that can be sculpted, baked and painted.
JamesMcDonald – Bacon roll
Oil on Panel 10×10 inches 2017
Everyday objects – a shell, loaf of bread or even a bacon roll – become precious and even sensuous as they shimmer cinematically before you. A rare gift, which he discovered early on in his career, was to discover beauty in the most mundane, everyday objects.
image source blackdownkeysound
Sean Norvet – Bad Trip BolognaLos Angeles, CA 8″x8″ Oil on panel
Picture is from the artist's website.


text:
CARE USA's financial activities are significantly driven by the state of poverty in the world. Our mission demands that we go where we are most needed. As a result, our expenses can vary greatly from year to year as those we serve face changing conditions.
For example, in fiscal year 2012, CARE's response to the hunger crisis caused by droughts in Africa increased our food and emergency program spending on the continent by $23 million compared to the previous fiscal year. CARE USA's program volume in Africa showed an overall increase of $40 million or 16 percent compared to fiscal year 2011. CARE USA's programs were spread across the globe with 56 percent in Africa, 22 percent in Asia, 13 percent in Latin America and the Caribbean, and 6 percent in the Middle East and Eastern Europe. The remaining 3 percent of our work was performed across regions.
Other notable examples of shifts in CARE's programs in fiscal year 2012 include successfully completing a major infrastructure program in Afghanistan and wrapping-up most of CARE's response to the 2010 earthquake in Haiti. These and other examples resulted in total program activities of $529 million in fiscal year 2012, compared to $561 million in 2011.
Many of CARE's revenue streams are tied to programs supported by various major donors and can also vary from year to year as programs shift. In fiscal year 2012, private cash contributions remained at similar levels compared to 2011. Support from the U.S. government and through CARE International members reduced somewhat, while support from other institutional donors increased. Overall, CARE's revenue was $561 million in 2012.
CARE USA's expenses in 2012 totaled $586 million and more than 90 percent of spending served our mission through program expenses. Only 10 percent of our spending went to fundraising, management and other support activities.
The consolidated financial statements that follow demonstrate our organizational fiscal health through our total net asset balance of $301 million at the end of fiscal year 2012. Program spending of restricted gifts received in prior years represents $37 million of the $40 million reduction in net assets compared to the end of 2011. Other contributing factors were a decline in value of $8 million in a third-party trust portfolio netted against an unrestricted surplus of nearly $6 million.
CARE USA's commitment to executing high-quality programs as efficiently as possible is demonstrated through the investment in a new finance and grants management system, which continued throughout fiscal 2012. As it goes online at the beginning of fiscal year 2013, most CARE locations around the world will, for the first time, share a common, Web-based software platform. Implementing this new system reflects CARE's unwavering commitment to the responsible management of our financial resources.
Vickie J. Barrow-Klein
Chief Financial Officer
Our auditors have expressed an unqualified opinion on our June 30, 2012 consolidated financial statements.
These financial statements include associated notes that are essential to understanding the information presented herein.
The full set of statements and notes is available at CARE USA's website, www.care.org, and a printed copy may be obtained from CARE USA.


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I can do everything through Christ who strengthens me.
GOD'S WORD Translation
Closest Natural Equivalence
I can do all things through Christ which strengtheneth me.
King James Version
I can do all this through him who gives me strength.
New International Version
…I can do everything God asks me to with the help of Christ who gives me the strength and power.
The Living Bible


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Saturday this week was spent at home, doing a few Kampington preparations for our forthcoming holiday and later on a spot of cookery. We know our mums told us not to play with our food, but it seems that neither of us listened. These are Red Turtle Burgers…..
Then on Sunday we went for a walk up Snowdon with Clive and Gwenda. We left one car in Llanberis and took the other round to the start of the Watkin path.
The weather got progressively wetter and windier as we ascended, and we met several groups coming back down saying that it had been too windy higher up for them to continue. We plodded on undeterred and made it to the summit cafe, which was closed.
There were a few hardy souls huddled round the back having their butties…. Very few photos were taken today due to the rain and the very real danger of gloves, camera cases etc blowing away never to be seen again…… I did manage a quick snap of C, G and M huddled in the prime corner position behind the cafe:
Getting up the few stone steps to the summit proper without being blown off them sideways was a bit tricky. Getting down again was even trickier, with some seriously strong gusts of wind.
The original plan had been to head part way down the Snowdon Ranger path then turn right onto a path that cut across and down to Llanberis (a path that Mark and I had seen when we walked up Snowdon via the Snowdon Ranger path earlier in the year, but that neither of us had even taken). Since the weather (particularly the wind and the visibility) was getting even worse as we were setting off down, we decided that it made more sense to just take the Llanberis Path back instead.
We made it down to Llanberis unscathed, went back to pick up Gwenda's car, and then headed to Pete's Eats for tea on the way home. Yum yum 🙂


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The Minocqua area is home to many great annual events, such as Beef-a-Rama™ and No Frills Marathon™ & Half-Marathon in September, Christmas in Minocqua in November, Only Fools Run at Midnight in April, and seasonal arts & crafts shows. Whenever you visit, you're sure to find plenty to do. From local theater productions and craft fairs to foodie festivals and athletic events, there's always something happening in the Northwoods. Visit our Events Calendar page for event information and a complete list of area happenings.
April 1-20th, 2019
New this year - Visit the Virtual Home Show from April 1-20, 2019.
The Minocqua Home, Lifestyle and Sport Show is organized by the Minocqua Area Chamber of Commerce. This one day event will inspire homeowners, outdoor enthusiasts, those interested in health and lifestyle issues along with folks looking for something new to do in the area.
June Bloom is a 1-day festival to be held on Saturday, June 1 from 9:00am to 3:00pm
More than 50 exhibitors at June Bloom will display and sell a wide variety of unique handcrafted items. The artisans and craftsmen featured at the show are selected for their handmade craftsmanship and artistic talents.
Celebrate Independence Day by joining the fun on July 4, 2019 in downtown Minocqua. The chairs start lining the shady side of Oneida Street at 6 am in anticipation of the afternoon parade. Save your seat and spend the rest of the morning and early afternoon shopping & visiting our downtown stores & restaurants.
Continue the celebration after Mercer's Loon Day in Minocqua on Thursday, August 8, 2019 with the After Loon Delight Craft Show. The show fills Torpy Park on Lake Minocqua from 10:00am to 4:00pm
More than 100 exhibitors set up rain or shine and sell a wide variety of unique handcrafted items.
The Bearskin Trail is what makes this Marathon unique among races. The trail is a hard-packed crushed granite surface that crosses 9 railroad bridges, and no sidewalks filled with spectators. In fact, you will not see a single sidewalk along the entire route!
What you will see is some of the most beautiful forests and scenery that Wisconsin's Northwoods has to offer; streams, lakes, balsam swamps, hardwood forests, open meadows, old railroad bridges, and a variety of wildlife.
The Minocqua No Frills Marathon is a point-to-point course. The first 6 miles are on paved town roads. The remaining 20 miles follows the entire length of the Bearskin Trail.
Hailed as the Northwoods mardi-gras, Beef-A-Rama™ has something for everyone at this end-of-summer extravaganza!
Live music at Torpy Park on Friday evening kicks off the festival. Saturday has a line-up celebrating everything beef. The downtown Beef Cook-offs begin bright and early Saturday morning along with live music & other tasty treats. Roast beef sandwich sales start at 10:00am. Other activities include the 10K and 5K Rump Roast Run and Walk along Lake Minocqua at 9:00am, Prime Choice Craft Show at Torpy Park, Beef Eating Contest at 11:30am, music, Cow Pie Plop, Petting Zoo & Bouncy Houses for the kids, and more fun!
The Prime Choice Craft Show is a part of Minocqua's Annual Beef-A-Rama celebration which brings over 10,000 people into town for the day.
Close to 75 exhibitors set up rain or shine and sell a wide variety of unique handcrafted items. The artisans and craftsmen featured at the show are selected for their handmade craftsmanship and artistic talents. You will see original artwork, pottery, jewelry, tapestries, clothing, photography, wood creations and more. Live music and food concessions on the upper level of Torpy Park and throughout downtown Minocqua make this the place to be on the last weekend of September.


text: Rome is a city of churches. The Lonely Planet city guide alone lists 38 'must-see' churches and basilicas. We weren't going to that many churches, not by a long shot. So we went to 5, including St Peter's Basilica (see next post), during our week in Rome. And 2 of them we weren't going to see for the churches, but what was underneath them. But first, Basilica di San Giovanni in Laterno – Rome's oldest basilica which was founded by […]


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Insurance agents, this is your help website.
Each topic page on our website is a mini training experience.
Click on your topic of interest using any of the nav bars
located on either side of this page
We are in the process of categorizing our forum questions so it will be easier to get to the topic you are most concerned about.
Once completed, you will be able to click a category to view all the responses and posts related to that topic of interest. You can also scroll down and view all other posts as well as post your own questions or comments. We would love to be able to help you grow.
Becoming an insurance agent.
Recruiting and agency building
Getting Referrals
You will be able to preview and approve whatever you write before you submit and it goes live. *Once you submit it, we will review it first before it gets published on our site. This insurance forum is a free service for all our readers and subscribers and don't worry you are not signing up for anything.
Please Note: if you do not include your e-mail address our readers and the author have no way to answer you, and we will not publish your post.
Click below to see contributions from other visitors to this page...
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Corporate Sales
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Annual Reviews
Mr. Davies- Is there a course which would teach me (a Life Agent) how to conduct an annual review? Thanks. George Kirazian
Commission Structure Working for a Broker
I am about to start working for a broker as an independent agent. We agreed to no salary just commission yet the broker is asking me to split the new business …
50% commission being offered to me
Is 50% commission being offered to me from a small firm a good deal for someone starting out with no salary?
Prospecting and Generating Leads. Concepts and Ideas.
I am a independent life and health agent here in Illinois and I am having a hard time finding new prospects. I have went thru all my friends and family …
How to lead a team to sell Life insurance successfully
1 How to lead a team to sell Life insurance successfully? 2 How handle objections? 3 Need smart rebuttals to objections like (a) Need to think? …
What Insurance Product best serves the 70+ Market?
I am searching for the answer to "what are the products that best serve the senior market," those that range in age from 66 - 75 years young? I have …
Daily Activities HELP!
I'm a captive agent and just went out on my own last month. I need help from others in determining how to structure my day. I understand I'll have to …
For anyone? Appreciation dinners for new agents.
Sounds like something for a seasoned professional. What about beginners without the budget to supply dinner and such?
When I landed on Ted's insurance website by accident, I couldn't believe what I had found.
The Best One Stop Shop for information & training My name is Mike McCoy, and I work in the marketing department for one of the largest Independent Marketing …
Cold Calling and Phone Calling New Prospects
I have searched marriage licenses, and I can't get any appointments. Here is my script I wrote: "Hello, I am Eric ** Insurance company. We focus …
How to talk to referrals
Once I have my three referrals from my customers how can I talk to them in order to have an appointments. Please advise.
Joint Venture Marketing
Anyone have ideas about joint venture work with CPA's, Attorneys, P&C Agencies. Any help would be appreciated. Thanks in advance.
Remarket Personal lines Commission
Will most brokers not pay a commission on business you currently have but have had to market to another carrier for a lower premium, just to keep the client? …
Insurance Agents for P & C
What is the percentage of independent agents vs captive agents in P & C insurance market?
How has Site Build It helped your business?
Hi How has Site Build It helped your business? I see a lot of people say that this website is a scam? Please let me know how it has worked for you?
My personal website. I am looking for help ideas to make my personal website more effective.
I have had websites for a month now to solicit leads. No leads or inquiries through it to date. I advertised on Facebook for a week. No clicks or looks. …
Best Companies to Work for?
I'm new to the industry? Is there a company that is great for entry-level insurance agents?
Is Suze Orman, The Insurance Goddess, Always Right about Life insurance?
May 29th, 2010 at 9:41 pm Is Suze Orman Right about Life insurance? A personal observation from Ted Wolk. This is a copy of an e-mail I just sent …
Do you sell the referral cards that you show on your referred lead page?
I was wondering how I can get some of these referral cards so I could use your referral system that you describe. Eddie
Thank you very much for so much valuable knowledge for no cost.
I am a new independent agent I started 03/02/2010 and I just wanted to say this is a VERY helpful and informative site. Thank you very much for so much …
No Objection Certificate of an Agent from an Insurance Company
If an Insurance company denies to give NOC how can I get it by law. I had taken agency 5 years back.6 month back I clear IRDA exam but licence was not …
CAN NOT RESPOND BACK IF YOU DO NOT PROVIDE E-MAIL ADDRESS Not rated yet
I want to emphasize once more that agents who send in a question or ask for help using this free insurance forum must include their e-mail in the box asking …
Statistics of insurance SEO Not rated yet
Good day Have you found any links to articles that have been written on insurance companies using search engine optimization(SEO) and the internet to …
Great Article. Makes sense when setting appointments. Not rated yet
I liked this article. (Listening to your Insurance Prospect upfront) It helped me clear up some of the wrong concepts I had in my mind when calling and …
It hs been a year and I am facing a lot of rejections and still have problems with referrals. Not rated yet
Dear Mr. Ted Wolk, First of all I would like to appreciate your effort in displaying the information for people who are looking to make it big in …
Sign up for our free sales, marketing and recruiting tips. Once or twice a month I will send you a new sales or marketing tip, or our most recent article. You can opt out at any time. No gimmicks and no tricks. It's a free service and it is a great way for us to stay in touch. You will also receive a free complimentary "closing the sale video" just for signing up.
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Looking for information about Fort Wayne? We have what you are looking for!
Sample the Vibrant Colors of Fort Wayne
Fort Wayne is Indiana's second-largest city and we have much to offer! Fort Wayne offers outstanding attractions and activities that are affordable, convenient, and fun for the whole family.
We'd love to host you on a custom tour of Fort Wayne — please call to plan your visit today!
Visit Fort Wayne Marketing Staff
Kristen Guthrie
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Looking for the perfect getaway idea to share with your readers? Fort Wayne's the place you've been looking for! Fort Wayne is all about having a good time, and doing it on a tight budget. Your readers will love our abundance of family friendly attractions, including the number one and two summer attractions in Indiana!
Interested? Then you should come to Fort Wayne to experience what everyone is raving about! Plan a visit, or even take part in a FAM tour! Just fill out our request form, or email us, or call us at (260) 424-3700.
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We'd love to host you in Fort Wayne. Please fill out our Media Visit Request Form to get started.
**We do not sell, rent, or otherwise distribute your private information to any third party. Please see our Privacy Policy for more information.


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With several candidates in the pipeline for passing and raising, master of Quadrant Lodge No 8044 Ben Gorry is being kept very busy. The lodge recently passed Marcus Naylor in a fine ceremony with Ben leading the way with some fine ritual.
Ben Gorry, ably supported by the regular Quadrant lodge team, opened the lodge in the first degree and set the scene for the passing ceremony by posing the usual questions to candidate Marcus. After the candidate retired to be prepared for the ceremony, Ben opened the lodge in the second and third degrees when the usual salutations were given, led by the director of ceremonies David Lawn. The lodge was closed in the third degree prior to the candidate being re-admitted.
Senior deacon Mick Wall conducted the candidate around the lodge during a ceremony which was performed in an exemplary manner by the master, with Mick supporting the candidate with aplomb. The working tools were presented by Gary Edwards and an explanation of the second degree tracing board was given by John Hayfield. The lodge was closed in the second and, following completion of routine business, closed in the first degree.
Following the ceremony Roger Perry spoke on behalf of the grand officers present, expressing his delight at being present for such an excellent ceremony. He continued by offering congratulations to Gary Edwards for his excellent presentation of the working tools. Roger also praised John Hayfield for his explanation of the tracing board. He went on to congratulate Marcus Naylor on his conduct during the ceremony and said that the performance overall demonstrated what a fine institution Quadrant Lodge continues to be.
Greetings from the Provincial officers were given by John Hayfield who congratulated Marcus on being passed to the second degree. John also commended Mick Wall on the manner in which he had conducted the candidate through the ceremony.
At the close, members and guests retired to the bar for a short period before taking their places for the festive board where they enjoyed black pudding benedict, supreme of chicken and sticky toffee pudding with custard and ice cream. This tasty repast was served up by the efficient and friendly Square & Compasses catering staff.
Following the Loyal and other regular toasts, the toast to the master was given by Abdul Benashour who congratulated Ben on the manner with which he had conducted himself during the course of the past year, stressing that the standard of work performed by him has been truly exceptional. In his response Ben thanked Abdul for his comments and went on to congratulate Marcus Naylor on successfully completing the passing ceremony and expressing the view that he was already an asset to the lodge and that he would undoubtedly become even more so as time progresses.
The raffle raised the sum of £225 towards Masonic charities with prizes being won by Liam Bird (no, not again!), John Tannian and Trevor Holloway.
Report by John Bainbridge.


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I got my first golf club when I was 9 years old but I only had one lesson. When I was 10 we had mini kids golf at my primary school and I started playing. After a while I started going to group sessions at my local golf club in Tidworth where I was taught by one of the pros - Charlie Gold. I then progressed to the junior academy with the head pro at Tidworth. Charlie moved away as he found a new job however I still have individual lessons with Charlie as he is my main coach.
Sunday, 29 April 2018
Terry Gosden Strokeplay Championships
Today I played in the Terry Gosden Strokeplay Championships. It was another bad day at the office. I played some awful golf and some decent golf, however, the end result was a No Return!!!
Saturday, 21 April 2018
April Monthly Medal
Today, I played in the April monthly medal. I didn't play well at all and shot an 85 gross!
Saturday, 7 April 2018
Thursday, 5 April 2018
Berkshire GC with the Coach
Today I saw Charlie at the Berkshire. My Dad and I arrived an hour before our tee time (as usual) so I could warm up. Unfortunately, it was raining quite heavily and had been previous days, so the course was very wet. Despite the bad weather we went out and played. It turned out to be really enjoyable as I beat Charlie 4&2 (which has never happened before) and played really well. I shot +3 gross around the slightly harder blue course.
35 Putts!!!!!!!!!!!!!!!!
35 Putts!!!!!!!!!!!!!!!!
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Liberon Carnauba Wax Flakes 250g
£9.49 excl.Vat(£11.39 inc.Vat)
Out of stock
Product Description
Liberon Carnauba Wax Flakes come in a 250g bag. Melt this wax to easily mix with other waxes. Because the wax flakes are small and thin they melt quickly. If you make your own wax sticks these flakes are ideal for melting and pouring into a mould.
Note: Carnauba Wax melts only at very high temperatures (82–86 °C).
Melt this wax to easily mix with other waxes.


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Sustainable. Efficient. Lifetime. Building Envelopes.
Greenstone Insulated Composite Envelope (ICE) Panels are an innovative and advanced structural building envelope technology that can be used in residential, commercial, and industrial projects as load-bearing exterior and interior walls, floors, ceilings, and roof assemblies.
They are significantly lighter, stronger, and more durable than traditional framing systems, allowing for broad design capabilities, unparalleled effective R-values, and considerably faster build times.
Greenstone utilizes the strength of a dual cold-formed steel frame (designed by a licensed P. Eng. In compliance with CSA S136) in composite with the superior insulating values of expanded polystyrene (EPS). Both materials are recyclable, will not warp, split or crack over time and have zero toxic gas emissions.
Greenstone's manufacturing and quality assurance process is inspected quarterly by a third-party inspection company known as QAI Laboratories Ltd.
The Quality Control process includes approved raw material suppliers, in-process quality inspection and testing, as well as final product inspection and quality control tests. A finished product label is affixed to each Greenstone Panel to ensure identification and traceability of the finished product is maintained.
Greenstone ICE Panels are produced in a state-of-the-art manufacturing facility located in Brandon, Manitoba.
LEED / Green Globes
Greenstone ICE Panels utilize galvanized steel and expanded polystyrene (EPS) to achieve a structurally insulated composite panel for exterior and below grade walls, interior partitions, floors, and roofs for all project types. The information provided in these charts is applicable throughout North America.
The use of this product can contribute to achieving points in the categories listed, however specifying this product does not guarantee point achievement or certification. The following product data has been evaluated and verified by an independent third party, EcoAmmo Sustainable Consulting Inc.
Other Technical Documents Available
Our supporting technical documents are available upon request.
Please contact our sales department to receive copies.


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Nick Muni
For a career in property to endure for over 30 years - and counting – a consultant must clearly possess exceptional skills, outstanding tenacity and a work ethic that knows no bounds. All these qualities, among many others, Nick has in abundance and it's exactly such attributes that have allowed him to achieve stellar levels of success over such a sustained period. Highly regarded and widely respected, Nick has always based his work on key principles. He makes sure he is constantly available and contactable, he communicates with clarity and he consistently goes above and beyond the call of duty to get the job done. Due to the depth of his experience Nick knows better than most in the industry that transparency and honesty are crucial if one is to enjoy professional longevity in property. Numerous sales awards and a huge data base of delighted vendors reflect the integrity and effectiveness with which Nick has handled countless property transactions in all types of market conditions. His knowledge is second to none and, perhaps even more importantly, his understanding is unparalleled. Nick's background is obviously defined by impressive success. His future is similarly rewarding – and his clients will reap the benefits.


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The best technology bangla blogging platform. technology news, hacking tricks,computer tricks & tips,mobile tricks and more into this blog
টিউনারপেজ - the ultimate path of the bangla technology blog তথ্য প্রযুক্তি বিষয়ক বাংলা ব্লগ। বাংলা টিউটোরিয়াল, কম্পিউটার, মোবাইল, হ্যাকিং টিপস | bangla tutorial, technology news, hacking, computer and mobile tips.
"নিজে জানুন, অন্যকে জানান" means spread your knowledge. pc helpline bd is one of the best bangla information technology platform for all bangladeshi technology lovers. so, keep in touch, and allow other people to know whatever you know. pc helpline bd is the world s first the largest most popular complete unicode based technology social media social network on-line community similar website techtunes bd & tunerpage.com bangla technology blogging platform in bangladesh where people blog about advance computing mobile it news new gadget science & technology & more in bangla language.
Your ultimate choice for computer, internet, blogging, seo and pc troubleshooting tips!
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The ultimate guide to saving money - a fun & helpful money saving tips blog that you can use every day. lots of free and frugal ideas to try at home, at work, and when you travel. plus unique ways to save more money for important things.


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"God help anyone who loves you Tom. Because for all your millions of beautiful words you haven't the slightest idea of what it means to be alive."
Where my book nerds at? Because Lionsgate/Roadside Attractions just released a trailer for their film Genius, a story of author Thomas Wolfe and his editor Maxwell Perkins. STOP YAWNING. Would you be more interested if I told you it starred Colin Firth and Jude Law? Maybe throw in Laura Linney while I'm at it? And then tell you this movie is about whittling a book down from five thousand original pages? Okay then. Thought so. Synopsis!
From Academy Award-nominated screenwriter JOHN LOGAN (Gladiator, The Aviator, Hugo, Skyfall) and acclaimed, Tony Award-winning director MICHAEL GRANDAGE in his feature film debut, comes Genius, a stirring drama about the complex friendship and transformative professional relationship between the world-renowned book editor Maxwell Perkins (who discovered F. Scott Fitzgerald and Ernest Hemingway) and the larger-than-life literary giant Thomas Wolfe. Based on the biography "Max Perkins: Editor of Genius" by Pulitzer Prize winner A. SCOTT BERG, Genius stars COLIN FIRTH as Perkins, JUDE LAW as Wolfe, NICOLE KIDMAN as Aline Bernstein, a costume designer sharing a tumultuous relationship with Wolfe, LAURA LINNEY as Louise Perkins, Max's wife and a talented playwright, GUY PEARCE as F. Scott Fitzgerald and DOMINIC WEST as Ernest Hemingway.
I'm fascinated. I'm betting this will be hitting the usual awards season rounds, because it's got Important Film vibes coming off of the trailer like nobody's business. Genius hits theaters June 10th, 2016.


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Your Account
Your Reserves
Your Statement
Let us work our magic & recommend some wines for you...
Another marvellously elegant Follow the Line from Duncan Savage. Blended from carefully selected sites with diverse climatic profiles, it's an elegant portrayal of the Cape's terroir. The fruit is the star here, with fresh strawberry and blackberry and a lift of white pepper.
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Troubleshooter thinks problem is with Network Adapter. I have Realtek GBE Family Controller with I think latest driver
Any errors showing in Device Manager under Network Adapters?
Always pop back and let us know the outcome - thanks
Desktop or laptop? What is the make & model? Are you trying to connect to the internet via ethernet cable or wirelessly? "Realtek GBE Family Controller" would be the wired ethernet connection.


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Child sexual exploitation has become a "social norm" within some areas of Greater Manchester, according to the author of a report ordered after the Rochdale grooming case.
It said girls in uniform were regularly stopped by men outside schools.
Inquiry chairwoman Ann Coffey MP said the "prevailing public attitude" blamed children, leading to 1,000 convictions from 13,000 cases over six years.
Home Secretary Theresa May has described the report as "alarming".
Ms Coffey has called for exploitation to be "declared a public health priority".
In her report - Real Voices - Ms Coffey said explicit music videos, sexting and selfies could be "fuelling the increased sexualisation of children".
'Children are children'
The "normalisation of quasi-pornographic images... has given rise to new social norms and changed expectations of sexual entitlement," she said.
"We need to get across the key message that whatever young people wear and however sexualised they appear, they are still children and need our protection."
During the inquiry, Stockport MP Ms Coffey spoke to young people who had been approached by men.
One told her: "I said: 'Can you not see I am a little girl? I am in my uniform'."
Ms Coffey said: "It is an everyday occurrence for [some young girls], something they find deeply upsetting, that older men are approaching them on the street inviting them into cars and in some instances touching them."
The girls told her: "Well it happens so often, so many men, what can the police do?"
"That indicates they are living in an environment where it is felt to be ok to go and touch, and harass, and pester girls in uniforms," added Ms Coffey. "That is what I mean by it being a new social norm.
"It completely horrified me, so unexpected."
Report's main recommendations:
- Investigate why, out of 12,879 recorded sexual offences, only 2,341 were taken to court and why, of those, just 1,078 led to convictions
- A review into questioning and tone of cross examinations by defence barristers in child abuse cases
- Appoint a child sexual exploitation "champion" to work with police, councils and young people
- Develop a strategic approach to tackle the issue, like those in place for smoking, obesity, alcohol and drug abuse
- All police officers to receive child sexual exploitation training - currently 21% have been trained
- Train members of the community, including pharmacists, park attendants, bus drivers and hoteliers, to spot signs of abuse
- Spot checks at children's homes
Child sexual exploitation report 'doesn't go far enough'
The report raises concerns about the number of children reported missing, with 14,712 recorded from January until 17 September and highlights worries child exploitation is being under-reported.
It was commissioned by Greater Manchester Police and Crime Commissioner (PCC) Tony Lloyd to assess the improvements in protecting youngsters after nine men were jailed in 2012 for running a child sex ring in Heywood and Rochdale.
It found changes had been made, including a specialist team being set up by Greater Manchester Police (GMP).
"Progress has been made and changes are taking place... but the biggest changes needed are in culture and attitudes of us all," Ms Coffey said.
She was "alarmed" the Crown Prosecution Service (CPS) highlighted one girl who wore cropped tops and another being described as a "slag" by her father in cases that were declared No Further Action.
Police, social workers, prosecutors and juries all carry attitudes around with them, Ms Coffey said in the report.
Multiple investigations
The report has recommended a review of all such cases in the past year to examine the reasons no action was taken and find "areas for learning and training".
"This may reflect the difficulties of prosecuting these cases in court when prevailing public attitudes often still blame children and young people for their own sexual exploitation."
GMP is investigating 260 cases of suspected child sexual exploitation. Of those, 174 have been recorded as crimes and 18 involve multiple suspects.
The report says young people are key to helping to tackle exploitation because police, the justice system and children's services "alone cannot succeed in protecting children".
It suggests there should be a show on a youth radio station to discuss issues surrounding exploitation.
PCC Mr Lloyd said: "For too long their voices were ignored or, worse, dismissed by the system. This report starts to redress that balance."
Chief constable of GMP Sir Peter Fahy said tackling the sexual exploitation of children and young people was "an absolute priority".
He said specialist training was being rolled out across the force but protecting youngsters was "the responsibility of us all".
"It is crucial that we work together to identify individuals who prey on vulnerable children and empower young people to speak up."
'Focussing on stereotypes'
Nazir Afzal, chief prosecutor for the CPS in the north west said the "conviction rates for child sex exploitation are the highest ever" but there was still more work to do.
"Hundreds if not thousands of children have not been listened to for years or haven't been believed.
"Therefore, our duty is to build strong cases and bring these people to justice," he said.
A lawyer who represented some of the victims of Rochdale grooming case said many youngsters who are assaulted never report it.
Molly Whittal said there was a problem with the way some vulnerable youngsters are perceived.
She said even though there are lessons to be learnt from the Rochdale case, prosecutors still seem to be "focussing on stereotypes" when deciding not to take further action in some cases - a situation she described as "unacceptable".


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BERLIN, Sept 13 (Reuters) - Below are highlights from Sunday's television debate between German Chancellor Angela Merkel and her Social Democrat (SPD) challenger Frank-Walter Steinmeier:
Steinmeier: "We have achieved a lot. Quite a bit of it since the crisis and we may only have done so because there was a grand coalition.
"But we haven't managed everything, we fell short of what we could do in a number of areas because the CDU didn't go along with it. For example on minimum wages and limiting executive pay. That would have helped people."
Merkel: "I think we could make more progress on jobs which is why I'm appealing for a new government.
"The past has been good and you won't change my mind about the fact that we have got a lot done. But I think for a democracy it's good when grand coalitions don't become normality."
Steinmeier: "It was a long struggle. I'd like to remind you that I was involved in this long struggle. And if you want to know the difference between the two of us up here ... then just think back to January or February and imagine the conservatives had been in power with the FDP: Opel would now be dead as a doornail."
Steinmeier: "It is not responsible, and it is politically wrong to go back down the road of nuclear energy — because that is what we are really talking about here.
"For eight years now, we have been phasing out of nuclear energy at the same time as investing in renewable energy, we have come a long way, we are leaders in renewable energy technology, and I guarantee you that as soon as we go down the road of extending the lifeline of nuclear energy plants ... investment in this sector will end as will the hopeful road that we were going down."
Merkel: "The difference between us is the question of whether we need to phase out nuclear energy by 2020, or whether we can have nuclear for a while longer.
"It is, in my view, extremely important that we change to renewable energy and efficient energy as soon as possible .. but all renewable energies are subsidised ... and therefore I say (nuclear energy) would be a bridging technology but only until viable renewable energies really allow this changeover."
Steinmeier: "I think are weapons are too blunt here. We need to sharpen them and we can.... what worries me is the rising inequality between the top and bottom ... that the those at the top no longer understand what those right at the bottom have to worry about.
"If my memory serves me right, looking at where party donations come from, I think FDP and CDU combined have taken in 3 million euros from the banking and corporate sector, whereas the SPD has only got 200,000 euros."
Merkel: "I am not going to wage an election campaign against executives. So that's why I don't think we should have a (pay) limit of 1 million euros. However, I think it's wrong to lay off staff and get paid 50 percent more at the same time."
Steinmeier: "When Mrs Merkel stands next to me and says we need tax cuts, then there is a problem of credibility ...
"The question is, how can we finance growth through tax cuts?.. If you want to finance that through growth, then you will need 9 percent growth each year from 2010 and 2011. We have never had that in the history of the Federal Republic of Germany and it is not going to happen."
Merkel: "We are faced with the following question: do we stay at economic rock bottom, where could be for years, and sit and watch as tax revenues slide, or do we first of all focus on overcoming the crisis ... by stimulating growth, including, even if it sounds paradoxical, by lowering certain taxes to motivate workers."
Steinmeier: "We are not saying a withdrawal in 2013 but that in the next legislative term, by 2013 we must set the conditions so that we can get to a withdrawal.
"I do not forget why we are in Afghanistan. It has to do with the 9/11 attacks when 3,000 people were killed .... So I cannot now say .. we should leave, just like that. We are duty bound to others, especially to the population there."
Merkel: "Our goal is clear — Afghanistan must have its own security forces... I have agreed with French President Nicolas Sarkozy and British Prime Minister Brown that we must work on this during this year."
(Reporting by Dave Graham and Sarah Marsh; editing by Noah Barkin)