text:
I am a second year college student in pre-med/biology. What can I do to increase my chances of getting accepted into medical school?
The best thing you can do is focus on getting really good grades and scoring as high as possible on the MCAT.
In addition look into volunteer/leadership activities to make your application stand out. Schools like to see medical volunteering, but it's more important you do something that you are passionate about. These experiences are really great for finding topics to write a personal statement that will catch the reader's eye.

lowercased:
i am a second year college student in pre-med/biology. what can i do to increase my chances of getting accepted into medical school?
the best thing you can do is focus on getting really good grades and scoring as high as possible on the mcat.
in addition look into volunteer/leadership activities to make your application stand out. schools like to see medical volunteering, but it's more important you do something that you are passionate about. these experiences are really great for finding topics to write a personal statement that will catch the reader's eye.


text:
Why this band has not seen more exposure is completely beyond me. I’m sure there are fans of the band out there, but I have yet to meet one. It amazes me how some bands get record deals and promotion, while Attack isn’t even on the radar screen. If you like Iron Maiden, Gamma Ray, Hammerfall, or ‘Keeper’ era Helloween, this band deserves your attention. I realize those three bands are legends in their own rite. Is Attack really worthy of being compared to those great bands? Absolutely.
Attack deliver twelve tracks of epic power metal that will remind you of each of the three above mentioned bands at any given time. The vocals feature a delivery similar to “Land of the Free” era Kai Hansen, but with more range and a richer voice. Rick van Helden’s German accent is quite evident on occasion similar to that of Kai. Above all, Rick has a very melodic voice which only compliments the galloping arrangements on this disc. From start to finish, the guitar riffs are fast and very tight. At times, you feel like you are on the battlefield about to charge into the heat of war with the energy the band creates here. Although the riffs are very fast and intricate, they are also quite melodic, which complemented with Rick’s melodic vocal delivery makes for very catchy songs. Oh, Rick also handles bass guitar duties, and does quite a fine job. He is more than able to keep up with the pounding riffs, keeping the overall sound very well balanced on the low end. If you enjoy dual leads and twin guitar solos, you will not be disappointed as the dual axe attack rips and tears all over this disc, very reminiscent of Iron Maiden at times. Don’t skip the instrumental final track of this disc - you will hear some fantastic guitar work. I have not a single complaint regarding the musicianship on this disc. It is top notch.
While the band certainly hits the head on the nail with the straight forward power driven songs, I am also very impressed with the tracks that start off slow, build gradually, then totally blow you away. One standout track, Blind Man sees a calm start with an acoustic guitar in the background, then explodes into a furious riff that doesn’t let up. Death Rider literally rings in with a loud ominous crash of a bell, backed with an equally ominous acoustic guitar ala Metallica’s Fade to Black, then the anticipation grows with the pluck of the acoustic bass, which in turn gives way to the fury of the dual guitars! Yes! This is not only one of the standout tracks on this disc, but one of my favorite all time tracks as well.
So, if you enjoy a good dose of double bass, dual leads, twin guitar solos, speedy and intricate riffs, and some great melodies, by all means get this disc! Each of the band members are very talented, but more importantly, the chemistry of the band is dead on. The rhythm section keeps the pace moving along to accommodate the ever present speedy riffs, yet stays very melodic. I am blown away each and every time I listen to this CD.

lowercased:
why this band has not seen more exposure is completely beyond me. i’m sure there are fans of the band out there, but i have yet to meet one. it amazes me how some bands get record deals and promotion, while attack isn’t even on the radar screen. if you like iron maiden, gamma ray, hammerfall, or ‘keeper’ era helloween, this band deserves your attention. i realize those three bands are legends in their own rite. is attack really worthy of being compared to those great bands? absolutely.
attack deliver twelve tracks of epic power metal that will remind you of each of the three above mentioned bands at any given time. the vocals feature a delivery similar to “land of the free” era kai hansen, but with more range and a richer voice. rick van helden’s german accent is quite evident on occasion similar to that of kai. above all, rick has a very melodic voice which only compliments the galloping arrangements on this disc. from start to finish, the guitar riffs are fast and very tight. at times, you feel like you are on the battlefield about to charge into the heat of war with the energy the band creates here. although the riffs are very fast and intricate, they are also quite melodic, which complemented with rick’s melodic vocal delivery makes for very catchy songs. oh, rick also handles bass guitar duties, and does quite a fine job. he is more than able to keep up with the pounding riffs, keeping the overall sound very well balanced on the low end. if you enjoy dual leads and twin guitar solos, you will not be disappointed as the dual axe attack rips and tears all over this disc, very reminiscent of iron maiden at times. don’t skip the instrumental final track of this disc - you will hear some fantastic guitar work. i have not a single complaint regarding the musicianship on this disc. it is top notch.
while the band certainly hits the head on the nail with the straight forward power driven songs, i am also very impressed with the tracks that start off slow, build gradually, then totally blow you away. one standout track, blind man sees a calm start with an acoustic guitar in the background, then explodes into a furious riff that doesn’t let up. death rider literally rings in with a loud ominous crash of a bell, backed with an equally ominous acoustic guitar ala metallica’s fade to black, then the anticipation grows with the pluck of the acoustic bass, which in turn gives way to the fury of the dual guitars! yes! this is not only one of the standout tracks on this disc, but one of my favorite all time tracks as well.
so, if you enjoy a good dose of double bass, dual leads, twin guitar solos, speedy and intricate riffs, and some great melodies, by all means get this disc! each of the band members are very talented, but more importantly, the chemistry of the band is dead on. the rhythm section keeps the pace moving along to accommodate the ever present speedy riffs, yet stays very melodic. i am blown away each and every time i listen to this cd.


text:
What are the common mistypes for Alane?
What are the usage examples for Alane?
What are the rhymes for Alane?
What are the common typos for Alane?
Alane as a girl's name is a variant of Alaine (Old German) and Alana (Old German, Hawaiian), and the meaning of Alane is "precious; precious; awakening".
This graph shows how "Alane" have occurred between 1800 and 2008 in a corpus of English books.

lowercased:
what are the common mistypes for alane?
what are the usage examples for alane?
what are the rhymes for alane?
what are the common typos for alane?
alane as a girl's name is a variant of alaine (old german) and alana (old german, hawaiian), and the meaning of alane is "precious; precious; awakening".
this graph shows how "alane" have occurred between 1800 and 2008 in a corpus of english books.


text:
Who really influences K-12 education? There are a host of potential answers; the Department of Education sets national policies, the states set education standards, and your local school board makes decisions around curriculum. This question is also complicated by the financial crises many school districts are suffering.
School districts across the country are having difficulty supplying quality services to their students thanks to these financial difficulties, harming student success in the short and long term. This problem plagues districts nationwide and not a single state or district has been able to completely solve it. In recent years, wealthy individuals have attempted to fill these funding gaps and have become powerful influencers in education themselves. These philanthropists are attempting to use their wealth to advance their conception of “better” education.
Facebook founder Mark Zuckerberg and his wife Priscilla Chan have invested hundreds of millions of dollars into education through the Chan Zuckerberg Initiative. Other philanthropists such as Paul Tudor Jones II, use their resources to expand charter school programs via private foundations. While at first glance these efforts seem as though they are providing great benefit schools and students, there are a number of potential issues to consider.
Injecting money into schools is not a sure way to create positive change. In 2009, Zuckerberg attempted to funnel more than $100 million into the Newark, New Jersey school system. Governor Chris Christie, then-mayor Cory Booker, and Mark Zuckerberg worked together to create a reform plan. Their efforts were rejected by the community and overall failed to fix the Newark school system. It also lead to a host of firings and school closures, all of which resulted in no significant reforms implemented in Newark schools.
The Gates Foundation attempted a similar plan that year in Hillsborough County, Florida, allocating $100 million to boost student performance by increasing educational evaluation measures and rewarding teacher performance. However, six years later, the district’s budget has ballooned to levels they can not handle, creating mixed results in student performance, and prompting the foundation to withhold the last $20 million. Additionally, the Gates Foundation required the county match the $100 million the foundation donated, which further hurt the plan’s chances of success.
These philanthropists do not just invest directly in schools, but have also founded or donated to education organizations. These groups can provide needed services to communities where school have fallen short, but schools must be wary of potential pitfalls when they are approached with possible million-dollar donations.
Large scale funding efforts like these need smart implementation plans to be effective. However, many districts and organizations are just not equipped to use funds effectively and these extra resources may end up causing more harm than good.
In Newark, $50 million was allocated to revamp educator evaluation tools and to fire underperforming teachers, but the district had little ability to do so as the state legislature had set rules around removing teachers. Schools were also closed as a result of this plan, but the district had not set up a good strategy for relocating students to open schools, leading to many students to have to travel long distances through dangerous neighborhoods to get to class.
Hillsborough administrators hoped to use some of the funds to raise salaries for high-performing teachers, while funneling those same educators into high needs schools. Most of this money instead went to longtime teachers, regardless of their effectiveness as educators, who continue to work in stable schools.
In both of cases, the vast amount of money that was raised did result significant institutional changes, with hundreds of educators and administrators losing their jobs thanks to curriculum and service changes, and yet students did not end up better off.
Not all funding comes with no strings attached. Gifts of money can have wide-ranging impacts on policies and organizations. Donors may want to push their own beliefs on what education should be, which may not always be the best for students or a community. Funding often comes with provisions that recipients must follow, giving donors a means of exerting control.
Philanthropists aren’t just donating directly to schools, they’re also attempting to change educational politics. Earlier this year, the Los Angeles Board of Education elections had its most expensive election ever, with nearly $15 million spent campaigning for board seats. Nearly two-thirds of this money was raised by organizations and individuals supporting new charter schools, which Los Angeles had historically been kept out. Thanks to these efforts, including millions donated by Netflix co-founder Reed Hastings, the majority of the LA Board of Education now members support charter schools.
We rightly get upset when we hear about billionaires like the Koch Brothers or Warren Buffett who spend millions of dollars to lobby for certain laws and policies, but shouldn’t we also be concerned when equal amount of private funds are invested in schools all while promoting certain programs or viewpoints?
Supporting education can be a worthwhile project for philanthropists, but organizations and communities need to be cautious about these endeavors. The infrastructure of a district or school may not be robust enough to use this money adequately. Those giving large swaths of their fortunes may have their own personal agendas which they push through these donations. They are not always giving support without ulterior motives.
While more funding can do a lot of good for students and our U.S. schools desperately need the money, the potential hidden costs and negative externalities involved demand debate. Stakeholders must ensure that these efforts actually improve education and that the rich are not using charity to hijack education policy. Districts, schools, and communities must consistently question these philanthropic efforts and work to prevent some of damage to education that have befallen other areas of American policy.
Tucker is a 2019 MPP/MBA Candidate at the Lorry I. Lokey Graduate School of Business and Public Policy. He is currently a consultant and data analyst who helps organizations within the public, private, and voluntary sectors strategically plan and implement best practices. Past areas of work include local government, non-profit, education, sexual violence, thanatology, and homelessness.

lowercased:
who really influences k-12 education? there are a host of potential answers; the department of education sets national policies, the states set education standards, and your local school board makes decisions around curriculum. this question is also complicated by the financial crises many school districts are suffering.
school districts across the country are having difficulty supplying quality services to their students thanks to these financial difficulties, harming student success in the short and long term. this problem plagues districts nationwide and not a single state or district has been able to completely solve it. in recent years, wealthy individuals have attempted to fill these funding gaps and have become powerful influencers in education themselves. these philanthropists are attempting to use their wealth to advance their conception of “better” education.
facebook founder mark zuckerberg and his wife priscilla chan have invested hundreds of millions of dollars into education through the chan zuckerberg initiative. other philanthropists such as paul tudor jones ii, use their resources to expand charter school programs via private foundations. while at first glance these efforts seem as though they are providing great benefit schools and students, there are a number of potential issues to consider.
injecting money into schools is not a sure way to create positive change. in 2009, zuckerberg attempted to funnel more than $100 million into the newark, new jersey school system. governor chris christie, then-mayor cory booker, and mark zuckerberg worked together to create a reform plan. their efforts were rejected by the community and overall failed to fix the newark school system. it also lead to a host of firings and school closures, all of which resulted in no significant reforms implemented in newark schools.
the gates foundation attempted a similar plan that year in hillsborough county, florida, allocating $100 million to boost student performance by increasing educational evaluation measures and rewarding teacher performance. however, six years later, the district’s budget has ballooned to levels they can not handle, creating mixed results in student performance, and prompting the foundation to withhold the last $20 million. additionally, the gates foundation required the county match the $100 million the foundation donated, which further hurt the plan’s chances of success.
these philanthropists do not just invest directly in schools, but have also founded or donated to education organizations. these groups can provide needed services to communities where school have fallen short, but schools must be wary of potential pitfalls when they are approached with possible million-dollar donations.
large scale funding efforts like these need smart implementation plans to be effective. however, many districts and organizations are just not equipped to use funds effectively and these extra resources may end up causing more harm than good.
in newark, $50 million was allocated to revamp educator evaluation tools and to fire underperforming teachers, but the district had little ability to do so as the state legislature had set rules around removing teachers. schools were also closed as a result of this plan, but the district had not set up a good strategy for relocating students to open schools, leading to many students to have to travel long distances through dangerous neighborhoods to get to class.
hillsborough administrators hoped to use some of the funds to raise salaries for high-performing teachers, while funneling those same educators into high needs schools. most of this money instead went to longtime teachers, regardless of their effectiveness as educators, who continue to work in stable schools.
in both of cases, the vast amount of money that was raised did result significant institutional changes, with hundreds of educators and administrators losing their jobs thanks to curriculum and service changes, and yet students did not end up better off.
not all funding comes with no strings attached. gifts of money can have wide-ranging impacts on policies and organizations. donors may want to push their own beliefs on what education should be, which may not always be the best for students or a community. funding often comes with provisions that recipients must follow, giving donors a means of exerting control.
philanthropists aren’t just donating directly to schools, they’re also attempting to change educational politics. earlier this year, the los angeles board of education elections had its most expensive election ever, with nearly $15 million spent campaigning for board seats. nearly two-thirds of this money was raised by organizations and individuals supporting new charter schools, which los angeles had historically been kept out. thanks to these efforts, including millions donated by netflix co-founder reed hastings, the majority of the la board of education now members support charter schools.
we rightly get upset when we hear about billionaires like the koch brothers or warren buffett who spend millions of dollars to lobby for certain laws and policies, but shouldn’t we also be concerned when equal amount of private funds are invested in schools all while promoting certain programs or viewpoints?
supporting education can be a worthwhile project for philanthropists, but organizations and communities need to be cautious about these endeavors. the infrastructure of a district or school may not be robust enough to use this money adequately. those giving large swaths of their fortunes may have their own personal agendas which they push through these donations. they are not always giving support without ulterior motives.
while more funding can do a lot of good for students and our u.s. schools desperately need the money, the potential hidden costs and negative externalities involved demand debate. stakeholders must ensure that these efforts actually improve education and that the rich are not using charity to hijack education policy. districts, schools, and communities must consistently question these philanthropic efforts and work to prevent some of damage to education that have befallen other areas of american policy.
tucker is a 2019 mpp/mba candidate at the lorry i. lokey graduate school of business and public policy. he is currently a consultant and data analyst who helps organizations within the public, private, and voluntary sectors strategically plan and implement best practices. past areas of work include local government, non-profit, education, sexual violence, thanatology, and homelessness.


text:
This coffee recipe came to me after my shopping trips in search of good coffee. Wanted to buy flavored coffee, but with flavour.
In our stores now sell many different varieties of flavored coffee. But, basically, they use artificial flavors. And it came to me, like a revelation, because I could go home myself to do. Therefore, today we will cook a real orange coffee.
Coffee, orange zest, salt, grind in a coffee grinder, then put it all in Turku, pour cold water and cook on a medium heat until the foam will not rise (should not boil). Remove from heat, allow to stand for 2-3 minutes and pour in a Cup(which should be pre-heated),filtering through a strainer, otherwise you will come across little bits of zest. Add sugar or honey to taste.

lowercased:
this coffee recipe came to me after my shopping trips in search of good coffee. wanted to buy flavored coffee, but with flavour.
in our stores now sell many different varieties of flavored coffee. but, basically, they use artificial flavors. and it came to me, like a revelation, because i could go home myself to do. therefore, today we will cook a real orange coffee.
coffee, orange zest, salt, grind in a coffee grinder, then put it all in turku, pour cold water and cook on a medium heat until the foam will not rise (should not boil). remove from heat, allow to stand for 2-3 minutes and pour in a cup(which should be pre-heated),filtering through a strainer, otherwise you will come across little bits of zest. add sugar or honey to taste.


text:
The sound-blocking feature is planned for a gradual rollout, so many users may not see it for a while yet. For those who do, look out for a new icon appearing in the increasingly cluttered Site Information section of the Address bar. Clicking this reveals a new 'Autoplay sound' feature, which can be toggled on or off for that specific site.
The feature can be enabled/disabled at the user’s discretion via Options > Privacy & Security under Permissions -- click untick 'Block websites from automatically playing' to disable it. Click the Exceptions… button to whitelist individual sites and edit existing preferences.
Elsewhere Firefox 66 unveils an improved search experience, with a new 'Search Tabs' option (found on the tabs overflow menu under the ˅ button. The new Private Window tab has also been redesigned to provide users with the ability to easily search using their default search engine.
A new scroll anchor has been introduced to eliminate the annoying jumping of content as images and ads load further up the page.
Extensions now store their settings in a central Firefox database rather than individual JSON files, which should speed up website browsing. Users also benefit from more easily being able to assign keyboard shortcuts to specific extensions via the about:addons panel (click the tools icon and choose 'Manage Extension Shortcuts').
Certificate error pages have been redesigned to provide more information and help resolve issues.
Platform-specific changes include basic support for Touch Bar on supported MacBooks. Windows 10 users gain support for Windows Hello, allowing face, fingerprint or external security keys to authenticate websites.
Fixes include one that resolves freezing issues when downloading files on Firefox for Linux. The Dark and Light Firefox themes now override system settings in Windows 10 too.
Android users gain the sound-blocking feature and scroll anchoring support, plus users can now open files from external SD cards and other storage. Firefox Quantum 66.0 and Firefox for Android 66.0 are both available now as a free, open-source download for supported versions of Windows, Mac, Linux and Android.

lowercased:
the sound-blocking feature is planned for a gradual rollout, so many users may not see it for a while yet. for those who do, look out for a new icon appearing in the increasingly cluttered site information section of the address bar. clicking this reveals a new 'autoplay sound' feature, which can be toggled on or off for that specific site.
the feature can be enabled/disabled at the user’s discretion via options > privacy & security under permissions -- click untick 'block websites from automatically playing' to disable it. click the exceptions… button to whitelist individual sites and edit existing preferences.
elsewhere firefox 66 unveils an improved search experience, with a new 'search tabs' option (found on the tabs overflow menu under the ˅ button. the new private window tab has also been redesigned to provide users with the ability to easily search using their default search engine.
a new scroll anchor has been introduced to eliminate the annoying jumping of content as images and ads load further up the page.
extensions now store their settings in a central firefox database rather than individual json files, which should speed up website browsing. users also benefit from more easily being able to assign keyboard shortcuts to specific extensions via the about:addons panel (click the tools icon and choose 'manage extension shortcuts').
certificate error pages have been redesigned to provide more information and help resolve issues.
platform-specific changes include basic support for touch bar on supported macbooks. windows 10 users gain support for windows hello, allowing face, fingerprint or external security keys to authenticate websites.
fixes include one that resolves freezing issues when downloading files on firefox for linux. the dark and light firefox themes now override system settings in windows 10 too.
android users gain the sound-blocking feature and scroll anchoring support, plus users can now open files from external sd cards and other storage. firefox quantum 66.0 and firefox for android 66.0 are both available now as a free, open-source download for supported versions of windows, mac, linux and android.


text:
USA Payday Loans Montezuma (Mercer County) OH - Get Cash in a Moment No Fax Needed!
Are you from Montezuma Ohio? We can help then!
If you are resident of Montezuma, you can apply instantly for a cash advance loan from $100 to $1000, and best of all, you never need to leave your home or office!
Simply fill out an application on our site, enter Montezuma and OH as your city/state, and wait just a few minutes as we search our vast network of reputable lenders for the loan tailored to your needs.

lowercased:
usa payday loans montezuma (mercer county) oh - get cash in a moment no fax needed!
are you from montezuma ohio? we can help then!
if you are resident of montezuma, you can apply instantly for a cash advance loan from $100 to $1000, and best of all, you never need to leave your home or office!
simply fill out an application on our site, enter montezuma and oh as your city/state, and wait just a few minutes as we search our vast network of reputable lenders for the loan tailored to your needs.


text:
Our wedding day – we braved temperatures of around -10 and stood on some frozen lakes, to get some amazing pictures with the beautiful Rocky Mountains as our backdrop. Our ceremony was held in one of the the historic rooms in the world heritage listed Fairmont Banff Springs Hotel.
I bought my Christina Rossi fit and flare wedding dress in Ivory/champagne gold at your store with the help of Victoria who had picked this dress out for me and was glad she did as i instantly knew it was the one for me for my special day. All staff was incredible and nothing was an issue for them. My experience at Jenny & Gerry’s was amazing and will recommend any other bride to come here.

lowercased:
our wedding day – we braved temperatures of around -10 and stood on some frozen lakes, to get some amazing pictures with the beautiful rocky mountains as our backdrop. our ceremony was held in one of the the historic rooms in the world heritage listed fairmont banff springs hotel.
i bought my christina rossi fit and flare wedding dress in ivory/champagne gold at your store with the help of victoria who had picked this dress out for me and was glad she did as i instantly knew it was the one for me for my special day. all staff was incredible and nothing was an issue for them. my experience at jenny & gerry’s was amazing and will recommend any other bride to come here.


text: EON Skincare introduces Kojic plus Vitamin C Whitening Soaps variants it comes with the powerful ingredient Kojic formulated with natural extracts and actives, this whitening soap visibly removes dark spots and blemishes thus promoting a clearer and fairer skin. It comes with Vitamin C protecting your skin from the effects of aging. Vitamin C is not only necessary for collagen production and maintenance, but it also a potent antioxidant that can neutralize free radicals in the skin. It effectively encourages collagen production within the skin, revealing a healthier, a younger and smoother skin. Use daily for the best result.

lowercased: eon skincare introduces kojic plus vitamin c whitening soaps variants it comes with the powerful ingredient kojic formulated with natural extracts and actives, this whitening soap visibly removes dark spots and blemishes thus promoting a clearer and fairer skin. it comes with vitamin c protecting your skin from the effects of aging. vitamin c is not only necessary for collagen production and maintenance, but it also a potent antioxidant that can neutralize free radicals in the skin. it effectively encourages collagen production within the skin, revealing a healthier, a younger and smoother skin. use daily for the best result.


text:
The Township of Ocean School District shall provide Health Benefits through the School Employee Health Benefits Program (SEHBP).
Due to the changes to Health Insurance per Chapter 2 P.L. 2010 that are charged vary with each employee. Please check with Personnel for the cost of insurance. Premiums change every January 1st.
Open enrollment is held every October with any changes effective January 1st of the next year. There is a 60 day waiting period for all new employees.
* Please note-If you have a dependent that has turned 23 during the year, they will automatically be continued on the medical and prescription coverage until age 26 but if you want your dependent to continue the dental insurance, they have to apply for COBRA Coverage. They must apply no later than 60 days after the end of the year.
There are many plans within the State Health Benefits that are available to all employees. See the State Website for all of your options.
The Board of Education shall provide a prescription drug insurance plan. The co-pay is $5.00 generic mail-in, $15.00 brand name mail-in(90 day supply), $3.00 for all generic claims retail and $10.00 for allbrand name claims retail with no annual deductible. The Board reserves the right to change the current carrier for a comparable program from another provider. Separate cards are issued for the prescription plan.
a) Dependents are covered as detailed under medical coverage.
b) Cards are issued for Dental coverage.
2. A child with a mental or physical disability may be continued in this program after the age of 23 as long as he/she remains incapacitated and unmarried, subject to the continuance of the employee'sown coverage in this program.
3. Claim forms are available in the Personnel Office or at the office of the building principal.
4. The Dependents to age 31 program does not apply to Dental coverage.
A "child" is defined as an enrollee's child until age 26, regardless of the child's marital, student, or financial dependency status - even if the young adult no longer lives with his or her parents.
Coverage will be extended to eligible children through December 31 of the year they turn age 26.
2. After the age of 26, dependents are eligible for the Dependent to Age 31 Program (Chap 375) for medical and prescription only, dental is excluded. Dependents can stay on this group until they turn 31 (specifically the 1st of the month following their 31st birthday). They can also enroll later if they lose coverage elsewhere as long as the parent is enrolled in our group. The monthly premium for the dependent to age 31 group is approximately 60% of the single premium for medical and prescription program.
3. Dependents are covered under dental until the end of the year in which they turn 23. After the age of 23 dependents are eligible for dental under COBRA, and the dental can be continued for up to 36 months only. The monthly premium for the dental is 102% of the single dental premium. Application for COBRA dental must be made with 60 days of the end of the year in which the dependent turns 23.
The Federal Consolidated Omnibus Budget Reconciliation Act of 1985, (COBRA), gives employees, spouses, and dependent children currently enrolled under the Township of Ocean Board of Education's health benefits program, the opportunity to purchase continued health benefits for a limited period of time after a COBRA qualifying event occurs - (18 months for employee, 36 months for dependents). COBRA applies to employees and dependents who would otherwise lose coverage as a result of a COBRA qualifying event.
It is the responsibility of the employee to notify Patty DeAngelis for medical prescription and dental of a COBRA event as listed in items 3,5, and 6 (above) within 60 days of the event. The COBRA participant pays 100% of the cost plus an additional 2% administrative fee.
A qualifying event (changes) such as marriage, birth of a child, divorce, separation, number of dependents, or child attaining age 26 must be reported to Patty DeAngelis within 30 days of the event for change in coverage to take effect.
HIPAA: The privacy and security of medical records of each individual employed with the Township of Ocean School District isguaranteed under the federal and state HIPAA legislation. This means that any and all medical providers, insurance companies, and the Ocean Township School District must protect your right to medical privacy.
http://www.state.nj.us/humanservices/home/DHS-npp_hc_provider-text_version_revised.pdf for more complete information about this legislation.

lowercased:
the township of ocean school district shall provide health benefits through the school employee health benefits program (sehbp).
due to the changes to health insurance per chapter 2 p.l. 2010 that are charged vary with each employee. please check with personnel for the cost of insurance. premiums change every january 1st.
open enrollment is held every october with any changes effective january 1st of the next year. there is a 60 day waiting period for all new employees.
* please note-if you have a dependent that has turned 23 during the year, they will automatically be continued on the medical and prescription coverage until age 26 but if you want your dependent to continue the dental insurance, they have to apply for cobra coverage. they must apply no later than 60 days after the end of the year.
there are many plans within the state health benefits that are available to all employees. see the state website for all of your options.
the board of education shall provide a prescription drug insurance plan. the co-pay is $5.00 generic mail-in, $15.00 brand name mail-in(90 day supply), $3.00 for all generic claims retail and $10.00 for allbrand name claims retail with no annual deductible. the board reserves the right to change the current carrier for a comparable program from another provider. separate cards are issued for the prescription plan.
a) dependents are covered as detailed under medical coverage.
b) cards are issued for dental coverage.
2. a child with a mental or physical disability may be continued in this program after the age of 23 as long as he/she remains incapacitated and unmarried, subject to the continuance of the employee'sown coverage in this program.
3. claim forms are available in the personnel office or at the office of the building principal.
4. the dependents to age 31 program does not apply to dental coverage.
a "child" is defined as an enrollee's child until age 26, regardless of the child's marital, student, or financial dependency status - even if the young adult no longer lives with his or her parents.
coverage will be extended to eligible children through december 31 of the year they turn age 26.
2. after the age of 26, dependents are eligible for the dependent to age 31 program (chap 375) for medical and prescription only, dental is excluded. dependents can stay on this group until they turn 31 (specifically the 1st of the month following their 31st birthday). they can also enroll later if they lose coverage elsewhere as long as the parent is enrolled in our group. the monthly premium for the dependent to age 31 group is approximately 60% of the single premium for medical and prescription program.
3. dependents are covered under dental until the end of the year in which they turn 23. after the age of 23 dependents are eligible for dental under cobra, and the dental can be continued for up to 36 months only. the monthly premium for the dental is 102% of the single dental premium. application for cobra dental must be made with 60 days of the end of the year in which the dependent turns 23.
the federal consolidated omnibus budget reconciliation act of 1985, (cobra), gives employees, spouses, and dependent children currently enrolled under the township of ocean board of education's health benefits program, the opportunity to purchase continued health benefits for a limited period of time after a cobra qualifying event occurs - (18 months for employee, 36 months for dependents). cobra applies to employees and dependents who would otherwise lose coverage as a result of a cobra qualifying event.
it is the responsibility of the employee to notify patty deangelis for medical prescription and dental of a cobra event as listed in items 3,5, and 6 (above) within 60 days of the event. the cobra participant pays 100% of the cost plus an additional 2% administrative fee.
a qualifying event (changes) such as marriage, birth of a child, divorce, separation, number of dependents, or child attaining age 26 must be reported to patty deangelis within 30 days of the event for change in coverage to take effect.
hipaa: the privacy and security of medical records of each individual employed with the township of ocean school district isguaranteed under the federal and state hipaa legislation. this means that any and all medical providers, insurance companies, and the ocean township school district must protect your right to medical privacy.
http://www.state.nj.us/humanservices/home/dhs-npp_hc_provider-text_version_revised.pdf for more complete information about this legislation.


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text:
While it is possible to brush amazingly well with a soft, manual toothbrush- many of us tend to lapse a little with our technique, or the time we spend cleaning- especially when we're busy rushing out the door in the morning!
We see the difference electric toothbrushes can make daily in terms of improving gum health and preventing tooth decay. Electric brushes make accessing around hard to reach areas much easier, and inclusions like pressure sensors and timers help to keep your brushing on track. The new ones even come with an app you can put on your smartphone that tracks your brushing throughout the month, and awards you five stars for brushing well!
When purchasing an electric toothbrush, it is really worth investing in something high quality. The supermarket electric brushes just aren't going to give you the same result as something with more features.
Our favourites are the Braun/ Oral B brushes; either the new Smart Series models, the Oral B Black or the Triumph.
Please let us know if you have any questions regarding electric toothbrushes, and happy brushing!

lowercased:
while it is possible to brush amazingly well with a soft, manual toothbrush- many of us tend to lapse a little with our technique, or the time we spend cleaning- especially when we're busy rushing out the door in the morning!
we see the difference electric toothbrushes can make daily in terms of improving gum health and preventing tooth decay. electric brushes make accessing around hard to reach areas much easier, and inclusions like pressure sensors and timers help to keep your brushing on track. the new ones even come with an app you can put on your smartphone that tracks your brushing throughout the month, and awards you five stars for brushing well!
when purchasing an electric toothbrush, it is really worth investing in something high quality. the supermarket electric brushes just aren't going to give you the same result as something with more features.
our favourites are the braun/ oral b brushes; either the new smart series models, the oral b black or the triumph.
please let us know if you have any questions regarding electric toothbrushes, and happy brushing!


text: See the live TMT price. Control the current rate. Convert amounts to or from Babbage and other currencies with this simple calculator.

lowercased: see the live tmt price. control the current rate. convert amounts to or from babbage and other currencies with this simple calculator.


text:
How does a company demonstrate the implementation of PQS in accordance with ICH?
ICH Q10 was published in its final version already in 2008. However, today many companies still have problems to understand how to implement ICH Q10 "Pharmaceutical Quality System" in practice. Quality Assurance and GMP are basic requirements which have been implemented for many years in the pharmaceutical industry (including the API industry). So what is needed to demonstrate that a Pharmaceutical Quality System has been implemented?
ICH offers a set of questions and answers which provide more details about the expectations. They were published in 2009 already but are not well-known by the industry. ICH writes: "When implemented, a company will demonstrate the use of an effective PQS through its documentation (e.g., policies, standards), its processes, its training/qualification, its management, its continual improvement efforts, and its performance against pre-defined key performance indicators (see ICH Q10 glossary on performance indicator). A mechanism should be established to demonstrate at a site how the PQS operates across the product lifecycle, in an easily understandable way for management, staff, and regulatory inspectors, e.g., a quality manual, documentation, flowcharts, procedures. Companies can implement a program in which the PQS is routinely audited in-house (i.e., internal audit program) to ensure that the system is functioning at a high level."
The questions and answers document also states that there is no certification program in place for a Pharmaceutical Quality System. In addition, ICH provides information about how product-related inspections will differ in an ICH Q8, Q9 and Q10 environment. ICH writes: "In the case of product-related inspection (in particular, preauthorization) depending on the complexity of the product and/or process, greater collaboration between inspectors and assessors could be helpful (for example, for the assessment of development data). The inspection would normally occur at the proposed commercial manufacturing site, and there is likely to be greater focus on enhanced process understanding and understanding relationships, e.g., critical quality attributes (CQAs), critical process parameters (CPPs). The inspection might also focus on the application and implementation of quality risk management principles, as supported by the pharmaceutical quality system (PQS)."
In addition to ICH, regulatory authorities also provide further information. The British Authority MHRA, for example, answers the question: Should a company have a procedure to describe how it approaches QRM related to manufacture and GMP? The answer is: "Yes, the procedure should be integrated with the quality system and apply to planned and unplanned risk assessments. It is an expectation of Chapter 1 that companies embody quality risk management. The standard operating procedure (SOP) should define how the management system operates and its general approach to both planned and unplanned risk management. It should include scope, responsibilities, controls, approvals, management systems, applicability, and exclusions."
The ECA Academy summarised the most relevant questions and answers from regulators like ICH, EMA, FDA etc in a GMP Questions & Answers Guide which allows readers of the document to search for certain GMP questions. A subject index at the beginning of the document lists the most frequent searched terms.

lowercased:
how does a company demonstrate the implementation of pqs in accordance with ich?
ich q10 was published in its final version already in 2008. however, today many companies still have problems to understand how to implement ich q10 "pharmaceutical quality system" in practice. quality assurance and gmp are basic requirements which have been implemented for many years in the pharmaceutical industry (including the api industry). so what is needed to demonstrate that a pharmaceutical quality system has been implemented?
ich offers a set of questions and answers which provide more details about the expectations. they were published in 2009 already but are not well-known by the industry. ich writes: "when implemented, a company will demonstrate the use of an effective pqs through its documentation (e.g., policies, standards), its processes, its training/qualification, its management, its continual improvement efforts, and its performance against pre-defined key performance indicators (see ich q10 glossary on performance indicator). a mechanism should be established to demonstrate at a site how the pqs operates across the product lifecycle, in an easily understandable way for management, staff, and regulatory inspectors, e.g., a quality manual, documentation, flowcharts, procedures. companies can implement a program in which the pqs is routinely audited in-house (i.e., internal audit program) to ensure that the system is functioning at a high level."
the questions and answers document also states that there is no certification program in place for a pharmaceutical quality system. in addition, ich provides information about how product-related inspections will differ in an ich q8, q9 and q10 environment. ich writes: "in the case of product-related inspection (in particular, preauthorization) depending on the complexity of the product and/or process, greater collaboration between inspectors and assessors could be helpful (for example, for the assessment of development data). the inspection would normally occur at the proposed commercial manufacturing site, and there is likely to be greater focus on enhanced process understanding and understanding relationships, e.g., critical quality attributes (cqas), critical process parameters (cpps). the inspection might also focus on the application and implementation of quality risk management principles, as supported by the pharmaceutical quality system (pqs)."
in addition to ich, regulatory authorities also provide further information. the british authority mhra, for example, answers the question: should a company have a procedure to describe how it approaches qrm related to manufacture and gmp? the answer is: "yes, the procedure should be integrated with the quality system and apply to planned and unplanned risk assessments. it is an expectation of chapter 1 that companies embody quality risk management. the standard operating procedure (sop) should define how the management system operates and its general approach to both planned and unplanned risk management. it should include scope, responsibilities, controls, approvals, management systems, applicability, and exclusions."
the eca academy summarised the most relevant questions and answers from regulators like ich, ema, fda etc in a gmp questions & answers guide which allows readers of the document to search for certain gmp questions. a subject index at the beginning of the document lists the most frequent searched terms.


text:
Looking to add a creative twist to your next event?
Travel back in time with Dino Encounters.
Innovative entertainment for businesses and family!
Our parties are designed to be fun, interactive and educational. We offer full service from planning to execution and management of your next event.
Where can I see Rocky?
Come see Rocky and his friends at one of these public events or schedule a private event and have Rocky come to you!
Rocky has visited and thrilled thousands.
Rocky has appeared in these locations.
Sign up for our newsletter and keep up to date on where Rocky will be and any Dino Encounters news.
Check out our videos and photos of Dino Encounters Events and Rocky the TRex.
See what others are saying about Dino Encounters.
A very honest review of my experience hiring Dino Encounters for my son's 3rd bday party. Pros: owner was accommodating to the late RSVP I made. She was responsive. The dinos are cool. Cons: Too much talk and explanation, not enough hands on activities. The kids were very anxious, they wanted to touch the dinos (fyi, some dinos can not be touched). It was too long and not interactive enough. Presenter was not patient enough with the kids, I got complaints from parents saying she was being too harsh. This is not the type of experience I wanted for my guests. I paid for $670 for the entire thing (includes mileage fee) and it put a damper on my party. I do not recommend the activities, probably just stick to renting the dinos themselves. Tips: If you are having the activities make sure to have a good shaded area, no water activities near by.
Yesterday was my sons 2nd birthday and we had a dino theme party. Keri and her husband are the best they are so personable and friendly. First their costumer service was amazing they always kept in contact with me and just made it easier for me planning my sons birthday , you know planning your kids birthday party you always have to make sure every vendor is on the same page and they just made it one less call because how attentive they are. Second they came to the party and the kids and adults were so amazed on how realistic there dinosaurs look. Also Keri presentation was awesome kids loved it and were so amused with the real fossils and poop ahaha! Lastly Keri and her husband were just very genuine nice people and were a hit at my sons party ! We definitely recommend them to any kids dino birthday party it just adds that bang ! And they were def. the talk of the town ! We love Dino Encounters!!!
Had Dino encounters come to my sons 2nd birthday! The kids loved interacting with Rocky! We had a big party and everyone was able to take pictures with Rocky! Thanks Dino encounters for a great birthday!
WOW. Just wow! Ms Keri and her crew of dinosaurs were incredible. Everyone had the best time and the kids all enjoyed themselves even with the hot weather. When Ms Keri, her helper, and the crew of dinosaurs arrived, they were very considerate and professional. Although there was a very tiny miscommunication, Ms Keri was able to figure it out and arrive at the party earlier than the set time! Ms Keri was super attentive to my daughter (the birthday girl) during the baby triceratops hatching and the interactive show about dinosaurs; she even allowed plenty of time for pictures. Most of the kids were under the age of 4 and were so interested with the whole event aside from the dinosaur rides. Everything from start to finish was more than I could have ever expected from a Dinosaur event company! Everyone was amazed at my daughter's 3rd birthday party but now I need to find out how to top this one next year!
Our Elementary School had Dino encounters come and do two assemblies and they were AMAZING!! The students were enthralled with all the "real" dinosaurs-they looked fantastic! Of course the T-REX Rocky was the hit!!! Keri is so knowledgeable about dinosaurs-she even taught the teachers a bunch! She is very organized and professional! As a teacher I highly recommend Dino Encounters for your school or party. You won't be disappointed!!! Awesome Job!
Dino Encounters ended my grandsons birthday Jurassic Park theme party with a bang.They fought through traffic texting me with updates on ETA every 1/2 hour.Rocky was the hit of the party. Can't say enough about Keri kindness and her husband entertainment with the Q & A during the show.They really do a great job.Thank you guys once again.
Dino Encounters came to Pasadena Public Library in July. It was one of the best programs we have EVER had. Rocky is a STAR! He had to walk down the street to get in while cars were screeching to a stop to see the dinosaur on the sidewalk. Keri easily handled a crowd of 150+ and gave them an unforgettable morning. This is a totally unique performance. Everyone of every age loved it.
My wife found Dino Encounters while researching ideas for my two sons' (ages 3 and 1) joint dinosaur themed birthday party. We were a little bummed that we didn't have enough space at our party for the big dinosaur, BUT even without that, the presentation and activities they provided were awesome! We had a diverse age range of kids from 1 to 13 who were all very captivated by the demonstrations provided which were both educational and loads of fun. The kids got to put together dinosaur bone puzzles, chisel and use other scientific methods to extract dinosaurs from fossil eggs, make shark tooth necklaces, witness a dinosaur egg hatch, and watch a volcano explode. The kids got to take these necklaces and the dinosaurs the excavated home wit them. As I mentioned we didn't have room for the large dinosaur, but they provided two smaller puppets, one of which hatched from the egg which amazed a lot of the young ones. The kids were able to take some cute pictures with the realistic baby dinosaurs. Overall Dino Encounters was worth every penny and helped make our sons' birthday memorable for all. We live in San Diego, so there was some mileage charges, but all reasonable. Our party had a lot of adults too, which caused a lot of ambient conversation noise. At times it was difficult to hear if you weren't close enough, but despite that Keri did a fantastic job interacting with the all kids. I would recommend a quiet space or some kind of microphone and PA system depending on your situation. Another positive, Dino Encounters kept the kiddies so busy, the parents had a nice little break to enjoy the party.
I found Dino encounters thru Craig's list then came across their website and let me tell you all booking them was the best experience ever!!! I booked then for my sons 5th birthday and I'm sure it'll be one he never forgets! :) I'm huge when it comes to Yelp reviews so I'd thought I'd share some in site for people interested in booking rocky for your next event! :) right when I submitted a request online for info I got a call within 15-20 min!! They're truly the nicest people I've ever met. The kids loved every activity they did and when rocky came it was 20xs more enjoyable! Bottom line I could guarantee you would not be disappointed!! Thank you sssooooooo much again Dino encounters!!
We had "Rocky" at a corporate event last week and every adult there had a great time. Rocky posed with the staff for Selfies and put a lot of smiles on everyone face. Rocky isn't just for kids. We would not hesitate to have Rocky back. 5 stars from us!
rocky the dino was great ,everyone had a great time ,the crafts and games were fun and amazing. we would do this again !!
My son and his guests had an amazing time! I mean, seriously, how cool is having a walking and roaring dinosaur at your birthday party?!!! Even our adult guests had a blast. The kids were highly entertained, occupied the whole time and my favorite part, as a teacher, the education! We had the party out in the front yard and Rocky the dinosaur literally slowed down traffic. People from down the block came to see the dinosaur. So cool! Definitely an experience to remember forever! If you have a kid who is even mildly into dinosaurs, I highly recommend using Dino Encounters.

lowercased:
looking to add a creative twist to your next event?
travel back in time with dino encounters.
innovative entertainment for businesses and family!
our parties are designed to be fun, interactive and educational. we offer full service from planning to execution and management of your next event.
where can i see rocky?
come see rocky and his friends at one of these public events or schedule a private event and have rocky come to you!
rocky has visited and thrilled thousands.
rocky has appeared in these locations.
sign up for our newsletter and keep up to date on where rocky will be and any dino encounters news.
check out our videos and photos of dino encounters events and rocky the trex.
see what others are saying about dino encounters.
a very honest review of my experience hiring dino encounters for my son's 3rd bday party. pros: owner was accommodating to the late rsvp i made. she was responsive. the dinos are cool. cons: too much talk and explanation, not enough hands on activities. the kids were very anxious, they wanted to touch the dinos (fyi, some dinos can not be touched). it was too long and not interactive enough. presenter was not patient enough with the kids, i got complaints from parents saying she was being too harsh. this is not the type of experience i wanted for my guests. i paid for $670 for the entire thing (includes mileage fee) and it put a damper on my party. i do not recommend the activities, probably just stick to renting the dinos themselves. tips: if you are having the activities make sure to have a good shaded area, no water activities near by.
yesterday was my sons 2nd birthday and we had a dino theme party. keri and her husband are the best they are so personable and friendly. first their costumer service was amazing they always kept in contact with me and just made it easier for me planning my sons birthday , you know planning your kids birthday party you always have to make sure every vendor is on the same page and they just made it one less call because how attentive they are. second they came to the party and the kids and adults were so amazed on how realistic there dinosaurs look. also keri presentation was awesome kids loved it and were so amused with the real fossils and poop ahaha! lastly keri and her husband were just very genuine nice people and were a hit at my sons party ! we definitely recommend them to any kids dino birthday party it just adds that bang ! and they were def. the talk of the town ! we love dino encounters!!!
had dino encounters come to my sons 2nd birthday! the kids loved interacting with rocky! we had a big party and everyone was able to take pictures with rocky! thanks dino encounters for a great birthday!
wow. just wow! ms keri and her crew of dinosaurs were incredible. everyone had the best time and the kids all enjoyed themselves even with the hot weather. when ms keri, her helper, and the crew of dinosaurs arrived, they were very considerate and professional. although there was a very tiny miscommunication, ms keri was able to figure it out and arrive at the party earlier than the set time! ms keri was super attentive to my daughter (the birthday girl) during the baby triceratops hatching and the interactive show about dinosaurs; she even allowed plenty of time for pictures. most of the kids were under the age of 4 and were so interested with the whole event aside from the dinosaur rides. everything from start to finish was more than i could have ever expected from a dinosaur event company! everyone was amazed at my daughter's 3rd birthday party but now i need to find out how to top this one next year!
our elementary school had dino encounters come and do two assemblies and they were amazing!! the students were enthralled with all the "real" dinosaurs-they looked fantastic! of course the t-rex rocky was the hit!!! keri is so knowledgeable about dinosaurs-she even taught the teachers a bunch! she is very organized and professional! as a teacher i highly recommend dino encounters for your school or party. you won't be disappointed!!! awesome job!
dino encounters ended my grandsons birthday jurassic park theme party with a bang.they fought through traffic texting me with updates on eta every 1/2 hour.rocky was the hit of the party. can't say enough about keri kindness and her husband entertainment with the q & a during the show.they really do a great job.thank you guys once again.
dino encounters came to pasadena public library in july. it was one of the best programs we have ever had. rocky is a star! he had to walk down the street to get in while cars were screeching to a stop to see the dinosaur on the sidewalk. keri easily handled a crowd of 150+ and gave them an unforgettable morning. this is a totally unique performance. everyone of every age loved it.
my wife found dino encounters while researching ideas for my two sons' (ages 3 and 1) joint dinosaur themed birthday party. we were a little bummed that we didn't have enough space at our party for the big dinosaur, but even without that, the presentation and activities they provided were awesome! we had a diverse age range of kids from 1 to 13 who were all very captivated by the demonstrations provided which were both educational and loads of fun. the kids got to put together dinosaur bone puzzles, chisel and use other scientific methods to extract dinosaurs from fossil eggs, make shark tooth necklaces, witness a dinosaur egg hatch, and watch a volcano explode. the kids got to take these necklaces and the dinosaurs the excavated home wit them. as i mentioned we didn't have room for the large dinosaur, but they provided two smaller puppets, one of which hatched from the egg which amazed a lot of the young ones. the kids were able to take some cute pictures with the realistic baby dinosaurs. overall dino encounters was worth every penny and helped make our sons' birthday memorable for all. we live in san diego, so there was some mileage charges, but all reasonable. our party had a lot of adults too, which caused a lot of ambient conversation noise. at times it was difficult to hear if you weren't close enough, but despite that keri did a fantastic job interacting with the all kids. i would recommend a quiet space or some kind of microphone and pa system depending on your situation. another positive, dino encounters kept the kiddies so busy, the parents had a nice little break to enjoy the party.
i found dino encounters thru craig's list then came across their website and let me tell you all booking them was the best experience ever!!! i booked then for my sons 5th birthday and i'm sure it'll be one he never forgets! :) i'm huge when it comes to yelp reviews so i'd thought i'd share some in site for people interested in booking rocky for your next event! :) right when i submitted a request online for info i got a call within 15-20 min!! they're truly the nicest people i've ever met. the kids loved every activity they did and when rocky came it was 20xs more enjoyable! bottom line i could guarantee you would not be disappointed!! thank you sssooooooo much again dino encounters!!
we had "rocky" at a corporate event last week and every adult there had a great time. rocky posed with the staff for selfies and put a lot of smiles on everyone face. rocky isn't just for kids. we would not hesitate to have rocky back. 5 stars from us!
rocky the dino was great ,everyone had a great time ,the crafts and games were fun and amazing. we would do this again !!
my son and his guests had an amazing time! i mean, seriously, how cool is having a walking and roaring dinosaur at your birthday party?!!! even our adult guests had a blast. the kids were highly entertained, occupied the whole time and my favorite part, as a teacher, the education! we had the party out in the front yard and rocky the dinosaur literally slowed down traffic. people from down the block came to see the dinosaur. so cool! definitely an experience to remember forever! if you have a kid who is even mildly into dinosaurs, i highly recommend using dino encounters.


text: Heather Wardle provides fundraising, marketing and communications help to charities so that they can make the world a better place. Her passion is for helping the little guy — the small-shop charities who may be struggling with too much work and not enough resources. Heather helps them to set clear, strategic goals, to tell their story in compelling and exciting ways and to inspire their donors to give.

lowercased: heather wardle provides fundraising, marketing and communications help to charities so that they can make the world a better place. her passion is for helping the little guy — the small-shop charities who may be struggling with too much work and not enough resources. heather helps them to set clear, strategic goals, to tell their story in compelling and exciting ways and to inspire their donors to give.


text:
WHAT SHOULD THE PRIORITIES BE FOR A 21ST CENTURY ADVISOR?
1) The client comes first. A 21st Century advisor should ALWAYS put the client’s interest first. This sounds like an obvious thing to say, but far too often advisors are putting their own needs ahead of the client.
Far too often advisors are blindly taking the recommendation of IMOs (Insurance Marketing Organizations) which typically results in higher commissions and/or sub-standard products sold at the expense of the client.
Far too often advisors are following the overly restrictive and narrow recommendations put forth by their B/D (Broker/Dealer). The next B/D I find that puts the client’s interests first will be the first B/D I find that does so.
2) Professional competency. A 21st Century advisor will not be like many of his/her predecessors. Old school advisors didn’t always need to know what they were doing. They were selling or peddling products to clients who didn’t know if what they were buying was good or bad and bought mainly because they trusted the advisor.
With the advent of the internet and with clients being able to do their own research and get second opinions quickly and easily, it is imperative that agents are professionally competent so they know what they are offering or selling is always in the client’s best interest.
3) Comprehensive planning. A 21st Century advisor will provide comprehensive solutions to clients vs. just selling them products or sticking them in a typical investment platform. Advisors who provide comprehensive solutions will not only give better advice to clients, but they will also earn significantly more income and retain clients for a much longer period of time (not to mention referrals from existing clients will increase dramatically).
There is only one way to give comprehensive planning and that’s by not only being an insurance agent, but also having a securities license (preferably by passing the Series 65 exam as you’ll read about in various parts of the book).
4) Marketing expertise. 21st Century advisors will not only know how to market, but they will be armed with the “needed” tools that will allow them to market like they never imagined they could. A significant portion of this book will focus on marketing in the 21st Century.
Just to needle readers a little in this preface, I’ll ask the following simple but telling question. How many of the following marketing tools do you have and do you regularly use?
-CRM (Customer Relations Management system).
-Landing Page Creator (being able to quickly and easily create sign up pages for live use on the internet).
-Risk analyzer software (one that can determine a client’s investment risk tolerance).
-PFM (Personal Financial Management) software (a customer portal where clients can see “all” their financial information (bank accounts, mortgage, brokerage accounts, cash value life insurance, etc.)).
-Financial Planning Software (one that incorporates the use of Fixed Indexed Annuities (FIAs), cash value life, brokerage accounts, cash flow management, debt elimination, etc.).
While I know that 99.9% of those reading this book do not use or have access to all of the above marketing tools, 100% do not have access to a system that integrates all six programs into one cohesive system (you will learn about such a system later in the book).
Asset Protection Society – State Rep.

lowercased:
what should the priorities be for a 21st century advisor?
1) the client comes first. a 21st century advisor should always put the client’s interest first. this sounds like an obvious thing to say, but far too often advisors are putting their own needs ahead of the client.
far too often advisors are blindly taking the recommendation of imos (insurance marketing organizations) which typically results in higher commissions and/or sub-standard products sold at the expense of the client.
far too often advisors are following the overly restrictive and narrow recommendations put forth by their b/d (broker/dealer). the next b/d i find that puts the client’s interests first will be the first b/d i find that does so.
2) professional competency. a 21st century advisor will not be like many of his/her predecessors. old school advisors didn’t always need to know what they were doing. they were selling or peddling products to clients who didn’t know if what they were buying was good or bad and bought mainly because they trusted the advisor.
with the advent of the internet and with clients being able to do their own research and get second opinions quickly and easily, it is imperative that agents are professionally competent so they know what they are offering or selling is always in the client’s best interest.
3) comprehensive planning. a 21st century advisor will provide comprehensive solutions to clients vs. just selling them products or sticking them in a typical investment platform. advisors who provide comprehensive solutions will not only give better advice to clients, but they will also earn significantly more income and retain clients for a much longer period of time (not to mention referrals from existing clients will increase dramatically).
there is only one way to give comprehensive planning and that’s by not only being an insurance agent, but also having a securities license (preferably by passing the series 65 exam as you’ll read about in various parts of the book).
4) marketing expertise. 21st century advisors will not only know how to market, but they will be armed with the “needed” tools that will allow them to market like they never imagined they could. a significant portion of this book will focus on marketing in the 21st century.
just to needle readers a little in this preface, i’ll ask the following simple but telling question. how many of the following marketing tools do you have and do you regularly use?
-crm (customer relations management system).
-landing page creator (being able to quickly and easily create sign up pages for live use on the internet).
-risk analyzer software (one that can determine a client’s investment risk tolerance).
-pfm (personal financial management) software (a customer portal where clients can see “all” their financial information (bank accounts, mortgage, brokerage accounts, cash value life insurance, etc.)).
-financial planning software (one that incorporates the use of fixed indexed annuities (fias), cash value life, brokerage accounts, cash flow management, debt elimination, etc.).
while i know that 99.9% of those reading this book do not use or have access to all of the above marketing tools, 100% do not have access to a system that integrates all six programs into one cohesive system (you will learn about such a system later in the book).
asset protection society – state rep.


text:
This is a placeholder page for Mike Aliemda, which means this person is not currently on this site. We do suggest using the tools below to find Mike Aliemda.
You are visiting the placeholder page for Mike Aliemda. This page is here because someone used our placeholder utility to look for Mike Aliemda. We created this page automatically in hopes Mike Aliemda would find it. If you are not Mike Aliemda, but are an alumni of Dominguez High School, register on this site for free now.

lowercased:
this is a placeholder page for mike aliemda, which means this person is not currently on this site. we do suggest using the tools below to find mike aliemda.
you are visiting the placeholder page for mike aliemda. this page is here because someone used our placeholder utility to look for mike aliemda. we created this page automatically in hopes mike aliemda would find it. if you are not mike aliemda, but are an alumni of dominguez high school, register on this site for free now.


text:
Iowa was originally home to Paleo Indian tribes. In fact, archaeological digs have uncovered settlements that date back eight thousand years. The state prides itself on its natural gold and furs.
The Hawkeye state boasts many scenic locations, and has provided a fertile foundation for farming due to the rich soils, rolling hills, woods, and many rivers and wild prairies.
Here you may need to turn on your A/C and heater in the same day. On average, Iowa has 166 sunny days and about as many snowy ones. Be ready to shovel snow in the morning and then experience a hot midday.
You can visit any Iowa DMV office to get your out-of-state driver’s license updated. You will be required to take and pass the vision test and you have to submit proof of identity.
Iowan homes are listed at an average price of $178,162 with the median sales price at just above $150,500. For more info check out the Iowan Association of Realtors.
One of the secrets to successful relocation is working with a reputable company. Before your move to Iowa, be sure to check with the US DOT or the FMSCA to make sure your mover is legitimate.
There are so many cool, hidden, and unusual things to do in Iowa, but we only had room for 47! Check out this article by Atlas Obscura for some fun things to do.
Explore the top 10 towns and cities to raise a family in Iowa based on factors such as public schools, crime rates, cost of living, and family-friendly amenities.
Adventureland is a family-owned amusement park in Altoona, Iowa. Adventureland features over 100 rides, shows and family-friendly attractions.

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iowa was originally home to paleo indian tribes. in fact, archaeological digs have uncovered settlements that date back eight thousand years. the state prides itself on its natural gold and furs.
the hawkeye state boasts many scenic locations, and has provided a fertile foundation for farming due to the rich soils, rolling hills, woods, and many rivers and wild prairies.
here you may need to turn on your a/c and heater in the same day. on average, iowa has 166 sunny days and about as many snowy ones. be ready to shovel snow in the morning and then experience a hot midday.
you can visit any iowa dmv office to get your out-of-state driver’s license updated. you will be required to take and pass the vision test and you have to submit proof of identity.
iowan homes are listed at an average price of $178,162 with the median sales price at just above $150,500. for more info check out the iowan association of realtors.
one of the secrets to successful relocation is working with a reputable company. before your move to iowa, be sure to check with the us dot or the fmsca to make sure your mover is legitimate.
there are so many cool, hidden, and unusual things to do in iowa, but we only had room for 47! check out this article by atlas obscura for some fun things to do.
explore the top 10 towns and cities to raise a family in iowa based on factors such as public schools, crime rates, cost of living, and family-friendly amenities.
adventureland is a family-owned amusement park in altoona, iowa. adventureland features over 100 rides, shows and family-friendly attractions.


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1 of 3 Cook bacon in large Dutch oven or skillet over medium heat 3 to 4 minutes. Add onion; saute 5 minutes or until softened. Add garlic; saute 1 minute. Add beef; saute 4 minutes or until browned. Reduce heat to low. Stir in caraway seeds, paprika, salt, pepper and 1/4 cup of the broth. Cover and cook, stirring occasionally, for 30 minutes, adding a little water if necessary to prevent sticking. Add vinegar; cook 20 more minutes.
2 of 3 Cook noodles in large pot of salted boiling water 6 to 8 minutes or until tender. Drain; toss with butter and parsley in large serving platter.
3 of 3 Meanwhile, stir together sour cream and remaining 1/4 cup broth in small bowl. Stir into beef mixture in skillet. Gently heat through. Spoon beef mixture over noodles. Makes 8 servings.
Per Serving: 30 g carb., 467 mg sodium, 21 g pro., 81 mg chol., 9 g Fat, total, 285 kcal cal.

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1 of 3 cook bacon in large dutch oven or skillet over medium heat 3 to 4 minutes. add onion; saute 5 minutes or until softened. add garlic; saute 1 minute. add beef; saute 4 minutes or until browned. reduce heat to low. stir in caraway seeds, paprika, salt, pepper and 1/4 cup of the broth. cover and cook, stirring occasionally, for 30 minutes, adding a little water if necessary to prevent sticking. add vinegar; cook 20 more minutes.
2 of 3 cook noodles in large pot of salted boiling water 6 to 8 minutes or until tender. drain; toss with butter and parsley in large serving platter.
3 of 3 meanwhile, stir together sour cream and remaining 1/4 cup broth in small bowl. stir into beef mixture in skillet. gently heat through. spoon beef mixture over noodles. makes 8 servings.
per serving: 30 g carb., 467 mg sodium, 21 g pro., 81 mg chol., 9 g fat, total, 285 kcal cal.


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He doles out hugs like they’re candy. In fact, he doles out candy too. And Pop Tarts, Wheat Thins and ramen noodles. He lets students eat, hang out, and listen to music in his middle school band room during lunch. He once gave a student rides to early morning Big Band rehearsals when her suddenly-widowed mother couldn’t. He often shouts at his musicians—ages 11 through 14—when their playing offends his musical sensibilities. At least once a year, he kicks members of his Big Band out of the band room if he thinks they haven’t been putting in their best effort.
… In an era when teachers are often expected to soften their language so as not to offend, to keep physical distance from students, and to refrain from raising their voices, Clark is an outlier. However Southborough parents, students, and fellow teachers laud Clark’s teaching techniques, particularly as he applied them in the year after Green died.

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he doles out hugs like they’re candy. in fact, he doles out candy too. and pop tarts, wheat thins and ramen noodles. he lets students eat, hang out, and listen to music in his middle school band room during lunch. he once gave a student rides to early morning big band rehearsals when her suddenly-widowed mother couldn’t. he often shouts at his musicians—ages 11 through 14—when their playing offends his musical sensibilities. at least once a year, he kicks members of his big band out of the band room if he thinks they haven’t been putting in their best effort.
… in an era when teachers are often expected to soften their language so as not to offend, to keep physical distance from students, and to refrain from raising their voices, clark is an outlier. however southborough parents, students, and fellow teachers laud clark’s teaching techniques, particularly as he applied them in the year after green died.


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File extension .HYM | File format .HYM | How to open a .HYM file format?
If the .HYM file is known to your system, it is possible to open it by double clicking the mouse or pressing ENTER. This operation will start applications associated with the .HYM file installed on your system. If the system encounters a file for the first time and there are no relevant associations, the action will end with a system’s proposal to find the appropriate software on your computer or in the Internet.
Sometimes it happens that the files of the .HYM type a wrong program is assigned. This can sometimes be the result of the action of hostile programs such as viruses and malware, but most often it is the result of an incorrect association of an application with the .HYM file extension. If, during the operation of a new type of .HYM files, we will indicate to the system a wrong program, the system will erroneously suggest its use every time it encounters this type of file. In this case, try to re-select the appropriate application. Right-click on the .HYM file, and then select from the menu the option "Open With ..." and "Choose default program" . Now select one of the installed application from the list above and try again.
If our system cannot cope with the .HYM extension and all the automatic and semi-automatic methods to teach it have failed, we can only manually edit the Windows registry. This register stores all information about the operation of your operating system, including file extension associations with programs to support them. The REGEDIT entered in the window "search for programs and files" or "run" for older versions of the operating system, gives the access to the registry of the operating system. All operations performed in the registry (even those little complicated for the .HYM file extension) have a significant impact on the operation of our system, therefore, before any modifications, make sure that you have a copy of the current registry. The section important for us is the key HKEY_CLASSES_ROOT . This manual shows step by step how to modify the registry, specifically the entry in the registry that contains information about .HYM file.
Using the keyboard shortcut ctr + F or the Edit menu and by selecting "Find" look for the .HYM extension you are interested in by typing it in the search window. Confirm by clicking OK or by using the ENTER key.
The value you are interested in concerning the extension can be edited by making manual changes in the keys assigned to the .HYM extension found. Here you can also create your own entry with the .HYM extension if there is no such in the registry. All available options are listed in the context menu (right mouse button) or in the "Edit" menu after placing the cursor in the appropriate place on the screen.
After finishing editing an entry for the .HYM extension, close the system registry. The changes made will come into effect after rebooting the operating system.

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file extension .hym | file format .hym | how to open a .hym file format?
if the .hym file is known to your system, it is possible to open it by double clicking the mouse or pressing enter. this operation will start applications associated with the .hym file installed on your system. if the system encounters a file for the first time and there are no relevant associations, the action will end with a system’s proposal to find the appropriate software on your computer or in the internet.
sometimes it happens that the files of the .hym type a wrong program is assigned. this can sometimes be the result of the action of hostile programs such as viruses and malware, but most often it is the result of an incorrect association of an application with the .hym file extension. if, during the operation of a new type of .hym files, we will indicate to the system a wrong program, the system will erroneously suggest its use every time it encounters this type of file. in this case, try to re-select the appropriate application. right-click on the .hym file, and then select from the menu the option "open with ..." and "choose default program" . now select one of the installed application from the list above and try again.
if our system cannot cope with the .hym extension and all the automatic and semi-automatic methods to teach it have failed, we can only manually edit the windows registry. this register stores all information about the operation of your operating system, including file extension associations with programs to support them. the regedit entered in the window "search for programs and files" or "run" for older versions of the operating system, gives the access to the registry of the operating system. all operations performed in the registry (even those little complicated for the .hym file extension) have a significant impact on the operation of our system, therefore, before any modifications, make sure that you have a copy of the current registry. the section important for us is the key hkey_classes_root . this manual shows step by step how to modify the registry, specifically the entry in the registry that contains information about .hym file.
using the keyboard shortcut ctr + f or the edit menu and by selecting "find" look for the .hym extension you are interested in by typing it in the search window. confirm by clicking ok or by using the enter key.
the value you are interested in concerning the extension can be edited by making manual changes in the keys assigned to the .hym extension found. here you can also create your own entry with the .hym extension if there is no such in the registry. all available options are listed in the context menu (right mouse button) or in the "edit" menu after placing the cursor in the appropriate place on the screen.
after finishing editing an entry for the .hym extension, close the system registry. the changes made will come into effect after rebooting the operating system.


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The 92nd Championship of Ireland Bands' Contest was held on Saturday 31st October 2009 in the Market Place Theatre, Armagh. The contest this year was adjudicated by Mr Peter Bassano who is the professional conductor of the City of Cambridge Band.
The set piece for the Second Section Brass was "Resurgam" by Eric Ball. The band achieved a well deserved 2nd place with a well balanced and controlled performance.
We also send our congratulations to Drogheda Brass on their win.

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the 92nd championship of ireland bands' contest was held on saturday 31st october 2009 in the market place theatre, armagh. the contest this year was adjudicated by mr peter bassano who is the professional conductor of the city of cambridge band.
the set piece for the second section brass was "resurgam" by eric ball. the band achieved a well deserved 2nd place with a well balanced and controlled performance.
we also send our congratulations to drogheda brass on their win.


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My dear friend Natalie Norton and her family have shaped my life so distinctly. Nothing crazy out of the ordinary, but just being around them, being loved by them and sharing life with them has blessed my heart more than words can explain. Today my heart is full of Natalie. I wanted to do something for her. Yes, these are blurry. Yes these are screen shots from video clips. But they are perfect. They are love. They are hope. They are peace.
Nat and Richie your perseverance and trust in the Lord despite the most trying circumstances shows me love, hope and peace. Thank you from the bottom of my heart. Happy 3rd Birthday Gavin, your life has served and IS serving SUCH a purpose.
Beautifully done Gina! Your work speaks for itself. Hugs to Natalie and Richie and their family on Gavin’s birthday today.
Hi G: the photos are perfect. End of story. What a truly wonderful friend you are.
Oh Gina. I love you so much. You are such a faithful, kind, loyal, supportive friend. What did I do before I had you in my life? I don’t know what I would do without you .

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my dear friend natalie norton and her family have shaped my life so distinctly. nothing crazy out of the ordinary, but just being around them, being loved by them and sharing life with them has blessed my heart more than words can explain. today my heart is full of natalie. i wanted to do something for her. yes, these are blurry. yes these are screen shots from video clips. but they are perfect. they are love. they are hope. they are peace.
nat and richie your perseverance and trust in the lord despite the most trying circumstances shows me love, hope and peace. thank you from the bottom of my heart. happy 3rd birthday gavin, your life has served and is serving such a purpose.
beautifully done gina! your work speaks for itself. hugs to natalie and richie and their family on gavin’s birthday today.
hi g: the photos are perfect. end of story. what a truly wonderful friend you are.
oh gina. i love you so much. you are such a faithful, kind, loyal, supportive friend. what did i do before i had you in my life? i don’t know what i would do without you .


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Install / Move radiator - MrFix finds you a reliable plumber or fitter within 3 hours. Install / Move radiator - MrFix finds you a reliable plumber or fitter within 3 hours.
Install / move radiator? Ask plumber service MrFix!
Huidige combiketel is stuk. Moet vervangen worden door door een 2hands gekochte remeha. Graag een prijsindicatie vooraf.
Ik zoek een loodgieter in Amsterdam om 5 kachels in ons 65m2 appartement te fixen. De kachels maken veel lawaai. We verwachten dat het veroorzaakt zou kunnen worden door een luchtbel in de kachels of dat de ketel (merk: Vent) weer moet worden bijgevuld.
Keep your house safe, dry and warm by having experienced plumbers or fitters for installing or moving your radiator or water boiler.
Water is nice but it has to be controlled. Leakage or flooding can cause serious problems. So make sure that your new plumbing is done in a professional way. MrFix has contracted experienced plumbers for you!
Don’t take the risk and hire a professional plumber: MrFix will have one at a fair rate.
Safety and reliability are top priority for MrFix. Therefore we selected reliable and experienced plumbers. We will help you to maintain a sound and safe living environment for you and your family.
Make your “DETAILED DESCRIPTION OF JOB” as precise as possible: please specify products, materials, measures, obstructions or other limitations.
For good quality and sustainable plumbing work we can arrange an experienced professional at a fair rate. Use our expert to install or move a radiator or install your new boiler. Our plumber will do the job in a professional way.
You can contact MrFix via the site 24/7 for emergencies and other urgent plumbing jobs. We will connect you to the right plumber for your plumbing job within 3 hours, and often faster than that. MrFix-approved plumbers do your job right 1st time: every plumber who works through MrFix has been screened by MrFix.
Normally installation jobs are not very urgent. They need careful planning. But if you have an urgent job you can contact MrFix via the site 24/7. We will connect you to the right plumber for your plumbing job within 3 hours, and often faster than that. MrFix-approved plumbers do your job right 1st time: every plumber who works through MrFix has been screened by MrFix.
Our skilled plumbers are ready to do every urgent plumbing job in Amsterdam, The Hague and the rest of the Central Netherlands with quality and accuracy.
Need a plumber to install / move radiator?
Whatever your plumbing job is, MrFix has the best network of experienced, reliable plumbers in Amsterdam, Rotterdam, The Hague, Utrecht, Eindhoven and elsewhere in the West and Centre of The Netherlands. Fill in the form , then we will match you as quickly as possible to the right plumber or other expert in your region.

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install / move radiator - mrfix finds you a reliable plumber or fitter within 3 hours. install / move radiator - mrfix finds you a reliable plumber or fitter within 3 hours.
install / move radiator? ask plumber service mrfix!
huidige combiketel is stuk. moet vervangen worden door door een 2hands gekochte remeha. graag een prijsindicatie vooraf.
ik zoek een loodgieter in amsterdam om 5 kachels in ons 65m2 appartement te fixen. de kachels maken veel lawaai. we verwachten dat het veroorzaakt zou kunnen worden door een luchtbel in de kachels of dat de ketel (merk: vent) weer moet worden bijgevuld.
keep your house safe, dry and warm by having experienced plumbers or fitters for installing or moving your radiator or water boiler.
water is nice but it has to be controlled. leakage or flooding can cause serious problems. so make sure that your new plumbing is done in a professional way. mrfix has contracted experienced plumbers for you!
don’t take the risk and hire a professional plumber: mrfix will have one at a fair rate.
safety and reliability are top priority for mrfix. therefore we selected reliable and experienced plumbers. we will help you to maintain a sound and safe living environment for you and your family.
make your “detailed description of job” as precise as possible: please specify products, materials, measures, obstructions or other limitations.
for good quality and sustainable plumbing work we can arrange an experienced professional at a fair rate. use our expert to install or move a radiator or install your new boiler. our plumber will do the job in a professional way.
you can contact mrfix via the site 24/7 for emergencies and other urgent plumbing jobs. we will connect you to the right plumber for your plumbing job within 3 hours, and often faster than that. mrfix-approved plumbers do your job right 1st time: every plumber who works through mrfix has been screened by mrfix.
normally installation jobs are not very urgent. they need careful planning. but if you have an urgent job you can contact mrfix via the site 24/7. we will connect you to the right plumber for your plumbing job within 3 hours, and often faster than that. mrfix-approved plumbers do your job right 1st time: every plumber who works through mrfix has been screened by mrfix.
our skilled plumbers are ready to do every urgent plumbing job in amsterdam, the hague and the rest of the central netherlands with quality and accuracy.
need a plumber to install / move radiator?
whatever your plumbing job is, mrfix has the best network of experienced, reliable plumbers in amsterdam, rotterdam, the hague, utrecht, eindhoven and elsewhere in the west and centre of the netherlands. fill in the form , then we will match you as quickly as possible to the right plumber or other expert in your region.


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DIY: It is summer and it is HOT! There are so many ways to keep your pup cool during the hot months of summer, but there is one that your pups would rather you do than just bring them into the AC. SUMMER TREATS! What fur-baby doesn’t like a cold, tasty treat made of their favorite things like apples and broth!
All you need is broth, I used chicken broth, but they also LOVE bone broth. And some apples and ice tray!
Wash apples and cut them into small pieces.
Place apples into ice tray and fill with broth of choice.

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diy: it is summer and it is hot! there are so many ways to keep your pup cool during the hot months of summer, but there is one that your pups would rather you do than just bring them into the ac. summer treats! what fur-baby doesn’t like a cold, tasty treat made of their favorite things like apples and broth!
all you need is broth, i used chicken broth, but they also love bone broth. and some apples and ice tray!
wash apples and cut them into small pieces.
place apples into ice tray and fill with broth of choice.