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Crimea Federal University is a center of higher education located in the city of Simferopol in the Republic of Crimea. It functions under the governance of the Ministry of Health of Russia & Ministry of Higher Education of Russia. The Crimea Federal University is also recognized by WHO (World Health Organization) & MCI (Medical Council of India). The university comprises of a faculty of more than 10000 members & more than 35000 students including students from different countries. Today, the CFU encompasses 8 academies, 5 colleges, 11 branches & 7 science & research institutions. Being a federal university, it is not only of the biggest medical colleges in Russia, but also one of the biggest in various sectors of education. In addition to the teaching work carried on by university, it is also involved in various sorts of scientific & research work. Courses in field of bio resources, construction, social sciences, technology, network, etc. are also taught at different colleges under the Crimea Federal University.
Crimea Federal University annually holds several conferences, events, round tables, meeting, etc. with other major universities of Europe & Asia. The university also has strong collaborations with other medical universities of different countries. Apart from being a top notch MBBS colleges in Russia in terms of education quality, one of the main reasons why it is preferred above other universities is it’s low fees as compared to average MBBS fees in Russia of other colleges. Being a popular & a federal university for MBBS in Russia, the university offers limited seats and hence students must apply well in time for getting in Crimea Federal University.
As the name says i.e. federal, the Crimea Federal University has a vast spectrum of courses to offer to students with several academies, institutes, branches & scientific institutions working under it. The medical department of university has the following faculties : Faculty of Medicine, Faculty of Pharmacy & Faculty of Dentistry. In addition to the above the university also offers course sin engineering, aviation, philology, law, biology, physics, mathematics, etc. Each year, the university receives hundreds of applications for MBBS admission in Russia from students across the globe & only the eligible students among those are selected to study in Crimea Federal University. The university welcomes all aspiring & eligible students to pursue MBBS in Crimea Federal University and establish themselves as great doctors to serve the humanity.
Students are provided accommodation facility in hostels that are present inside the campus of university. The rooms are equipped with all amenities that are needed for a student i.e. bed, bedding, study table & chair, almirah, etc. Each floor has common toilets, washrooms and kitchens. Students do not have to pay any charges for electricity, water or cooking gas during their tenure of study in Crimea Federal University. Several international student associations are also setup & managed by the students themselves of India, Ukraine, Armenia, Turkey, Nigeria, etc. in Crimea Federal University. The university has more than 25 partnership exchange program agreements with universities & educational institutions around the world. Under these exchange programs, students often travel to China, Austria, Jordan and many other countries for enrichment of their skills & knowledge related to medical education.
The city of Simferopol is the capital of Republic of Crimea. The city is located along the river Salgir. Several universities are located in the city of Simferopol. The city is well connected to nearby areas through roads, railway & and an international airport. The city receives thousands of tourists each year from different parts of the world. Crimea Federal University is one of the largest MBBS colleges in Russia and is one of the most sought after destinations for students from various countries willing to study in Crimea Federal University. The Republic of Crimea is surrounded completely by the Black sea. The Crimea Federal University has witnessed a huge growth in the influx of foreign students especially from India for MBBS admission in Crimea Federal University, due to the popularity it has gained in recent years.

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Crimea Federal University is a center of higher education located in the city of Simferopol in the Republic of Crimea . It functions under the governance of the Ministry of Health of Russia & Ministry of Higher Education of Russia . The Crimea Federal University is also recognized by WHO ( World Health Organization ) & MCI ( Medical Council of India ) . The university comprises of a faculty of more than 10000 members & more than 35000 students including students from different countries . Today , the CFU encompasses 8 academies , 5 colleges , 11 branches & 7 science & research institutions . Being a federal university , it is not only of the biggest medical colleges in Russia , but also one of the biggest in various sectors of education . In addition to the teaching work carried on by university , it is also involved in various sorts of scientific & research work . Courses in field of bio resources , construction , social sciences , technology , network , etc . are also taught at different colleges under the Crimea Federal University .
 Crimea Federal University annually holds several conferences , events , round tables , meeting , etc . with other major universities of Europe & Asia . The university also has strong collaborations with other medical universities of different countries . Apart from being a top notch MBBS colleges in Russia in terms of education quality , one of the main reasons why it is preferred above other universities is it ’s low fees as compared to average MBBS fees in Russia of other colleges . Being a popular & a federal university for MBBS in Russia , the university offers limited seats and hence students must apply well in time for getting in Crimea Federal University .
 As the name says i.e. federal , the Crimea Federal University has a vast spectrum of courses to offer to students with several academies , institutes , branches & scientific institutions working under it . The medical department of university has the following faculties : Faculty of Medicine , Faculty of Pharmacy & Faculty of Dentistry . In addition to the above the university also offers course sin engineering , aviation , philology , law , biology , physics , mathematics , etc . Each year , the university receives hundreds of applications for MBBS admission in Russia from students across the globe & only the eligible students among those are selected to study in Crimea Federal University . The university welcomes all aspiring & eligible students to pursue MBBS in Crimea Federal University and establish themselves as great doctors to serve the humanity .
 Students are provided accommodation facility in hostels that are present inside the campus of university . The rooms are equipped with all amenities that are needed for a student i.e. bed , bedding , study table & chair , almirah , etc . Each floor has common toilets , washrooms and kitchens . Students do not have to pay any charges for electricity , water or cooking gas during their tenure of study in Crimea Federal University . Several international student associations are also setup & managed by the students themselves of India , Ukraine , Armenia , Turkey , Nigeria , etc . in Crimea Federal University . The university has more than 25 partnership exchange program agreements with universities & educational institutions around the world . Under these exchange programs , students often travel to China , Austria , Jordan and many other countries for enrichment of their skills & knowledge related to medical education .
 The city of Simferopol is the capital of Republic of Crimea . The city is located along the river Salgir . Several universities are located in the city of Simferopol . The city is well connected to nearby areas through roads , railway & and an international airport . The city receives thousands of tourists each year from different parts of the world . Crimea Federal University is one of the largest MBBS colleges in Russia and is one of the most sought after destinations for students from various countries willing to study in Crimea Federal University . The Republic of Crimea is surrounded completely by the Black sea . The Crimea Federal University has witnessed a huge growth in the influx of foreign students especially from India for MBBS admission in Crimea Federal University , due to the popularity it has gained in recent years .


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The abstract paintings of Robert Percy acknowledge and empower an emanation of ecstasis in the human encounter with art. The uncommonly rich sensibility inherent in these paintings reflects an aesthetic rooted in the mystery of beauty. Although Percy has stated that his goal is not to create “beauty” as a goal or end in itself, his paintings serve as visual evidence of why a work of art is offered for viewing in the first place. As Professor John Barnett Brough has suggested, “an artwork is presented for the sake of contemplation.” Or as artist and spiritual teacher Adi Da Samraj described it, “The ‘aesthetic experience’ of ‘significant form’ (and, thus and thereby, of real and true beauty) is neurologically based–pre-‘wired’ into the human nervous system and brain.” Contemplating beauty in art is natural to us.
Some salient features of Percy’s creative process point to an inherent singularity at the root of that process. His unusual use of line, the transcultural nature of his artistic orientation, and the intuitive means he accesses in creating his Sumi-e ink and kozo paper paintings all serve to magnify the same intention common to early modernist abstract art—magnifying a sense of prior unity and seeking or invocating an awareness of the absolute. By allowing his intuitive intelligence to govern his uses of line and color via spontaneity and chance, Robert Percy applies what philosopher and writer Michel Henry identified in the abstractions of Wassily Kandinsky as “the invisibility of absolute subjectivity, then the ontological homogeneity of the content.” Although the work of Percy and Kandinsky express distinctively different styles, an abundant and liberating generosity towards the viewer-participant surfaces in the work of both painters.
Percy has worked with line in many forms throughout his decades of making art, and his use of line in the paintings in this exhibition convey a visual geography between form and formless. Despite the fact that the features of “line” appear differently in each painting, there remains an aesthetic continuity. The painter’s back-to-front saturation of color diffuses the vertical and horizontal compositional grid, repeatedly lending a sense of visual beauty bleeding through a curtain, or “body” of life, as in, for example, Percy’s painting “Rondo.” This sense of curtained translucence in a given painting may express, in its almost tactile sense of motion and exquisite rendering of color, a bodily terrain and a saturation of life presence that is ultimately an expression of consciousness. Viewing “Water Flows Om” feels like (to this viewer) being immersed in rainfall, and yet it conveys less a sensation of falling water and more a sense of being soaked in a rain of consciousness. These paintings are visual gateways accessible only by perceptual and intuitive intelligence.
Intuition is key to Robert Percy’s art making, as it is for all original artists. Although intuition is more than a concept, it is nonetheless also conceptual, as Professor J.N. Mohanty has noted in his description of why the concept of intuition in aesthetics is extremely important to any study of art. When Robert Percy says, “Whatever happens happens” subsequent to the act of painting a work by his unusual methodology, he is expressing a similar orientation to artist Robert Irwin’s “seeing is forgetting the name of the thing one sees.” Mystery, self-forgetting and self-transcendence, intuitive knowing and spontaneity, chance and invisibility—all are germane to art and aesthetics, just as they are to life. Indeed, as the scholar Jennifer Anna Gosetti-Ferencei has written, everyday ecstasis, or the “ecstatic quotidian” is with us from childhood. In fact, ultimately we do not even know what the quotidian object “is.” To the phenomenologist, both conceptual awareness and the mystery of intuitive creativity are inherent in prior unity.
Robert Percy does not speak of abstraction as a style; he speaks of the inherent association of “abstraction” and “seeing.” Similarly, he speaks of his artistic process as a partnership in making a painting; he is a partner with the paper, the ink, the casein (or milk paint), the brushes, the water used, the objects he sometimes uses to emboss a work. Percy’s calligraphic uses of brushes in his paintings, his preferences for Sumi-e ink, casein, and kozo paper, and a general Asian quality in his art that evolved from his trips to China and Japan, come together to erase any east-west dichotomy. This transcultural aspect of Percy’s work expresses not so much a self-conscious “borrowing” of Asian aesthetic as a demonstration of “Asia as Method,” a reference made by scholar and curator Alexandra Munroe to a 1960 lecture of that title by the Japanese scholar of Chinese literature Takeuchji Yoshimi. Munroe, the Samsung Senior Curator of Asian Art at the Solomon R. Guggenheim Museum in New York, and the curator of the 2009 exhibition at that museum, The Third Mind: American Artists Contemplate Asia, 1860-1989, referenced Yoshimi’s lecture in her brilliant introductory essay of the catalog for The Third Mind.
Like much of the art included in that exhibition, Robert Percy’s paintings in this present exhibition are, in regards to artistic accomplishment, museum quality work by an accomplished American painter, work very much influenced by the painter’s sensitivity to spiritual orientation.
B. Kalivac Carroll (Bob Carroll), who has published nonfiction and fiction, is currently working on his PhD in art theory and the philosophy of art and aesthetics with the Institute for the Doctoral Studies of the Visual Arts.
Adi Da Samraj. Transcendental Realism: The Image-Art of egoless Coincidence With Reality Itself, second edition, The Dawn Horse Press, 2010.
Brough, John Barnett. Art and Artworld: Some Ideas for a Husserlian Aesthetic, in Edmund Husserl and the Phenomenological Tradition: Essays in Phenomenology, Robert Sokolowski, editor, The Catholic University of America Press, 1988.
Gosetti-Ferencei, Jennifer Anna. The Ecstatic Quotidian: Phenomenological Sightings in Modern Art and Literature, The Pennsylvania State University Press, 2007.
Henry, Michel. Seeing the Invisible: On Kandinsky, Continuum, 2009.
Mohanty, J.N. The Concept of Intuition in Aesthetics: A propos a Critique by Adorno, in The Journal of Aesthetics and Art Criticism, Vol. 39, No. 1, 1980.
Munroe, Alexandra. The Third Mind: American Artists Contemplate Asia, 1860-1989, Guggenheim Museum, 2009.
Weschler, Lawrence. Seeing is Forgetting the Name of the Thing One Sees: Over Thirty Years of Conversations with Robert Irwin, The University of California Press, 2008.

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The abstract paintings of Robert Percy acknowledge and empower an emanation of ecstasis in the human encounter with art . The uncommonly rich sensibility inherent in these paintings reflects an aesthetic rooted in the mystery of beauty . Although Percy has stated that his goal is not to create “ beauty ” as a goal or end in itself , his paintings serve as visual evidence of why a work of art is offered for viewing in the first place . As Professor John Barnett Brough has suggested , “ an artwork is presented for the sake of contemplation . ” Or as artist and spiritual teacher Adi Da Samraj described it , “ The ‘ aesthetic experience ’ of ‘ significant form ’ ( and , thus and thereby , of real and true beauty ) is neurologically based – pre-‘wired ’ into the human nervous system and brain . ” Contemplating beauty in art is natural to us .
 Some salient features of Percy ’s creative process point to an inherent singularity at the root of that process . His unusual use of line , the transcultural nature of his artistic orientation , and the intuitive means he accesses in creating his Sumi - e ink and kozo paper paintings all serve to magnify the same intention common to early modernist abstract art — magnifying a sense of prior unity and seeking or invocating an awareness of the absolute . By allowing his intuitive intelligence to govern his uses of line and color via spontaneity and chance , Robert Percy applies what philosopher and writer Michel Henry identified in the abstractions of Wassily Kandinsky as “ the invisibility of absolute subjectivity , then the ontological homogeneity of the content . ” Although the work of Percy and Kandinsky express distinctively different styles , an abundant and liberating generosity towards the viewer - participant surfaces in the work of both painters .
 Percy has worked with line in many forms throughout his decades of making art , and his use of line in the paintings in this exhibition convey a visual geography between form and formless . Despite the fact that the features of “ line ” appear differently in each painting , there remains an aesthetic continuity . The painter ’s back - to - front saturation of color diffuses the vertical and horizontal compositional grid , repeatedly lending a sense of visual beauty bleeding through a curtain , or “ body ” of life , as in , for example , Percy ’s painting “ Rondo . ” This sense of curtained translucence in a given painting may express , in its almost tactile sense of motion and exquisite rendering of color , a bodily terrain and a saturation of life presence that is ultimately an expression of consciousness . Viewing “ Water Flows Om ” feels like ( to this viewer ) being immersed in rainfall , and yet it conveys less a sensation of falling water and more a sense of being soaked in a rain of consciousness . These paintings are visual gateways accessible only by perceptual and intuitive intelligence .
 Intuition is key to Robert Percy ’s art making , as it is for all original artists . Although intuition is more than a concept , it is nonetheless also conceptual , as Professor J.N. Mohanty has noted in his description of why the concept of intuition in aesthetics is extremely important to any study of art . When Robert Percy says , “ Whatever happens happens ” subsequent to the act of painting a work by his unusual methodology , he is expressing a similar orientation to artist Robert Irwin ’s “ seeing is forgetting the name of the thing one sees . ” Mystery , self - forgetting and self - transcendence , intuitive knowing and spontaneity , chance and invisibility — all are germane to art and aesthetics , just as they are to life . Indeed , as the scholar Jennifer Anna Gosetti - Ferencei has written , everyday ecstasis , or the “ ecstatic quotidian ” is with us from childhood . In fact , ultimately we do not even know what the quotidian object “ is . ” To the phenomenologist , both conceptual awareness and the mystery of intuitive creativity are inherent in prior unity .
 Robert Percy does not speak of abstraction as a style ; he speaks of the inherent association of “ abstraction ” and “ seeing . ” Similarly , he speaks of his artistic process as a partnership in making a painting ; he is a partner with the paper , the ink , the casein ( or milk paint ) , the brushes , the water used , the objects he sometimes uses to emboss a work . Percy ’s calligraphic uses of brushes in his paintings , his preferences for Sumi - e ink , casein , and kozo paper , and a general Asian quality in his art that evolved from his trips to China and Japan , come together to erase any east - west dichotomy . This transcultural aspect of Percy ’s work expresses not so much a self - conscious “ borrowing ” of Asian aesthetic as a demonstration of “ Asia as Method , ” a reference made by scholar and curator Alexandra Munroe to a 1960 lecture of that title by the Japanese scholar of Chinese literature Takeuchji Yoshimi . Munroe , the Samsung Senior Curator of Asian Art at the Solomon R. Guggenheim Museum in New York , and the curator of the 2009 exhibition at that museum , The Third Mind : American Artists Contemplate Asia , 1860 - 1989 , referenced Yoshimi ’s lecture in her brilliant introductory essay of the catalog for The Third Mind .
 Like much of the art included in that exhibition , Robert Percy ’s paintings in this present exhibition are , in regards to artistic accomplishment , museum quality work by an accomplished American painter , work very much influenced by the painter ’s sensitivity to spiritual orientation .
 B. Kalivac Carroll ( Bob Carroll ) , who has published nonfiction and fiction , is currently working on his PhD in art theory and the philosophy of art and aesthetics with the Institute for the Doctoral Studies of the Visual Arts .
 Adi Da Samraj . Transcendental Realism : The Image - Art of egoless Coincidence With Reality Itself , second edition , The Dawn Horse Press , 2010 .
 Brough , John Barnett . Art and Artworld : Some Ideas for a Husserlian Aesthetic , in Edmund Husserl and the Phenomenological Tradition : Essays in Phenomenology , Robert Sokolowski , editor , The Catholic University of America Press , 1988 .
 Gosetti - Ferencei , Jennifer Anna . The Ecstatic Quotidian : Phenomenological Sightings in Modern Art and Literature , The Pennsylvania State University Press , 2007 .
 Henry , Michel . Seeing the Invisible : On Kandinsky , Continuum , 2009 .
 Mohanty , J.N. The Concept of Intuition in Aesthetics : A propos a Critique by Adorno , in The Journal of Aesthetics and Art Criticism , Vol . 39 , No . 1 , 1980 .
 Munroe , Alexandra . The Third Mind : American Artists Contemplate Asia , 1860 - 1989 , Guggenheim Museum , 2009 .
 Weschler , Lawrence . Seeing is Forgetting the Name of the Thing One Sees : Over Thirty Years of Conversations with Robert Irwin , The University of California Press , 2008 .


text: Gear up your school spirit with the gift of awesome NCAA and college products. Represent your favorite Cornell University with these sterling silver cuff links. These 15mm medium LogoArt cuff links are polished to perfection for glistening shine. Celebrate your collegiate spirit in style with these stunning cuff links. Manufacturer direct from a trusted supplier.

tokenized: Gear up your school spirit with the gift of awesome NCAA and college products . Represent your favorite Cornell University with these sterling silver cuff links . These 15 mm medium LogoArt cuff links are polished to perfection for glistening shine . Celebrate your collegiate spirit in style with these stunning cuff links . Manufacturer direct from a trusted supplier .


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Jetradar will find you the cheapest airfare for Shanghai – Jakarta by comparing the costs of flights to Jakarta using 45 agencies, five booking systems, and 728 airlines. Where exactly you buy tickets for Shanghai – Jakarta is up to you.
Please keep in mind that, depending on the number of days remaining until your departure, the price of a ticket for Shanghai – Jakarta could change by more than 0%.
Jetradar suggests purchasing tickets for Shanghai – Jakarta in advance so you can choose your flight conditions and focus on your preferences and financial capabilities.

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Jetradar will find you the cheapest airfare for Shanghai – Jakarta by comparing the costs of flights to Jakarta using 45 agencies , five booking systems , and 728 airlines . Where exactly you buy tickets for Shanghai – Jakarta is up to you .
 Please keep in mind that , depending on the number of days remaining until your departure , the price of a ticket for Shanghai – Jakarta could change by more than 0 % .
 Jetradar suggests purchasing tickets for Shanghai – Jakarta in advance so you can choose your flight conditions and focus on your preferences and financial capabilities .


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Today November 9, 2014 in the Sunday’s Washington Post by Yochi Dreazen there is an article about a disturbing trend concerning the rise of Military Soldiers taking their lives.
The article states that Military suicides have become so common since 2001 and more active-duty U.S. troops have killed themselves than have been killed in Afghanistan, and suicides among reservist and National Guard members are rising.
Words cannot express how you feel; yet always know God said HE will never leave you or forsake you.
As our troops are coming home let us not forget to encourage and share the message of HOPE.
Help me…All I wanted is a Father!

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Today November 9 , 2014 in the Sunday ’s Washington Post by Yochi Dreazen there is an article about a disturbing trend concerning the rise of Military Soldiers taking their lives .
 The article states that Military suicides have become so common since 2001 and more active - duty U.S. troops have killed themselves than have been killed in Afghanistan , and suicides among reservist and National Guard members are rising .
 Words can not express how you feel ; yet always know God said HE will never leave you or forsake you .
 As our troops are coming home let us not forget to encourage and share the message of HOPE .
 Help me … All I wanted is a Father !


text: replica handbags online Most people who have traumatic brain injuries have spent months if not years undergoing rehabilitation. This involves coming to terms with their injuries (O Powell, and Oyebode, 2006) and the fact that they are no longer able to work. Many people with brain injuries, especially men, still feel they should be the but their injuries have meant they have been off often at a young age replica handbags online.

tokenized: replica handbags online Most people who have traumatic brain injuries have spent months if not years undergoing rehabilitation . This involves coming to terms with their injuries ( O Powell , and Oyebode , 2006 ) and the fact that they are no longer able to work . Many people with brain injuries , especially men , still feel they should be the but their injuries have meant they have been off often at a young age replica handbags online .


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Our facility features a 6,000 sq ft multi-level laser tag arena set in a Mayan ruins theme.
You can also enjoy our 9-hole cosmic mini golf course, playing under black lights, crash into some fun in a round of bumper cars, or play the hottest arcade games in town and win big!
Check out our NEWEST attractions: the human maze and climbing challenge.
Whether you're looking for the most memorable birthday party ever or just a day of non-stop action and laughs, Adventure Quest has something for everyone!

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Our facility features a 6,000 sq ft multi - level laser tag arena set in a Mayan ruins theme .
 You can also enjoy our 9 - hole cosmic mini golf course , playing under black lights , crash into some fun in a round of bumper cars , or play the hottest arcade games in town and win big !
 Check out our NEWEST attractions : the human maze and climbing challenge .
 Whether you 're looking for the most memorable birthday party ever or just a day of non - stop action and laughs , Adventure Quest has something for everyone !


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Looking for the best Bike trails around Saint Helens?
Find the top rated bike trails in Saint Helens, whether you're looking for an easy short bike trail or a long bike trail, you'll find what you're looking for. Click on a bike trail below to find trail descriptions, trail maps, photos, and reviews.

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Looking for the best Bike trails around Saint Helens ?
 Find the top rated bike trails in Saint Helens , whether you 're looking for an easy short bike trail or a long bike trail , you 'll find what you 're looking for . Click on a bike trail below to find trail descriptions , trail maps , photos , and reviews .


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Atlantis Swimming Club, Horsham is an ambitious and growing competitive swimming club. We are not-for-profit and exist to provide young people with the opportunity to take part in a healthy sport and to compete to a high level.
As a club, we would love to continuously improve the standards of our coaching, training and swimming, and to make even more accessible the opportunities available at the club to local people. We have over the years built up a strong tradition of competitive swimming in the Horsham area.
Swimming is Britain's most popular mass participation sport. Many people first learn to swim as an essential life-preserving skill. They soon find it's is a great way to keep fit and there are major health benefits associated with swimming. Swimming is also a sport you can easily continue throughout your life.
One of the great things about competition is the focus and motivation that it gives to young people, providing the reason to train on a regular basis. Competitive swimmers learn early the importance of discipline and organisation if they want to progress.
Swimming demands a huge level of commitment and dedication from those who participate and those who support them. It is for this reason that Atlantis is looking for potential sponsors with whom the Club can build partnership to help develop this great sport locally and to create role models to encourage other young people to become more involved.
Our biggest costs are securing sufficient pool time and the best available coaching. These costs are met by our members through subscription fees. In addition, our swimmers or their parents spend large sums on kit, entry fees for competitions and travel costs. The Club is also looking to invest in new technology to ensure that we bring to bear the latest techniques to assist improve performance. We would like to continue to develop the Club, whilst at the same time ensuring that what we can offer remains accessible to all.
* direct sales via the Club website and members.
* helping employers to promote the benefits of a healthy lifestyle amongst their workforce.

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Atlantis Swimming Club , Horsham is an ambitious and growing competitive swimming club . We are not - for - profit and exist to provide young people with the opportunity to take part in a healthy sport and to compete to a high level .
 As a club , we would love to continuously improve the standards of our coaching , training and swimming , and to make even more accessible the opportunities available at the club to local people . We have over the years built up a strong tradition of competitive swimming in the Horsham area .
 Swimming is Britain 's most popular mass participation sport . Many people first learn to swim as an essential life - preserving skill . They soon find it 's is a great way to keep fit and there are major health benefits associated with swimming . Swimming is also a sport you can easily continue throughout your life .
 One of the great things about competition is the focus and motivation that it gives to young people , providing the reason to train on a regular basis . Competitive swimmers learn early the importance of discipline and organisation if they want to progress .
 Swimming demands a huge level of commitment and dedication from those who participate and those who support them . It is for this reason that Atlantis is looking for potential sponsors with whom the Club can build partnership to help develop this great sport locally and to create role models to encourage other young people to become more involved .
 Our biggest costs are securing sufficient pool time and the best available coaching . These costs are met by our members through subscription fees . In addition , our swimmers or their parents spend large sums on kit , entry fees for competitions and travel costs . The Club is also looking to invest in new technology to ensure that we bring to bear the latest techniques to assist improve performance . We would like to continue to develop the Club , whilst at the same time ensuring that what we can offer remains accessible to all .
 * direct sales via the Club website and members .
 * helping employers to promote the benefits of a healthy lifestyle amongst their workforce .


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If you are trying to find a qualified local tree service in New Brunswick NJ or other local areas to make sure that full removal is capable of being prevented, this is one of our goals at Raritan Valley Tree Service. Your trees require on-going tree maintenance from an expert in order to prevent a vast amount of potential problems from developing. Innumerable trees have been saved by our specialists in this manner. One of the most common ways we do this is with tree trimming services. Low lying branches are capable of getting in the way for countless reasons and may need to be removed. They are capable of being dangerous for individuals or they are even capable of winding up getting in the way of power lines. A lot of homeowners are surprised to discover precisely how many variables are involved in this type of service. It’s not simply about removing branches. Making sure the well-being of the tree is preserved so it can thrive for years to come is the larger goal. The tree can be left more susceptible to diseases when improper trimming and pruning techniques are employed. Weight distribution is a vital variable to think about as well when deciding to minimize larger branches. In addition, the kind of cut and angle are to be considered carefully as well, as these are going to have substantial impact on the potential growth of the tree. For this service to be a success, there are also a lot of other factors that need to be considered. These include the tree’s age, soil conditions and exposure to sun and wind, in addition to the kind of the tree and whether it has any predispositions to certain conditions. This is the reason you want to be sure to hire a contractor that will have the ability to address all of these factors. Do not hesitate to call Raritan Valley Tree Service today for services such as trimming from an expert tree service in South River NJ.
Raritan Valley Tree Service is completely licensed and insured to supply tree removal in New Brunswick NJ and the rest of the local area. You never want to find that massive power equipment has resulted in unnecessary collateral damage when driving over your lawn. This isn’t something you’ll ever have to worry about throughout our tree cutting on your property. Making sure your property remains totally intact and properly manicured is something we take pride in. After a job a comprehensive cleaning is always performed by our tree removal contractors. Leaving your landscape in a neat and orderly fashion is always something you’re capable of depending on. Tree cutting is a crucial process which will keep your house or business looking amazing. Taking the safety of your, your family or coworkers into account makes this even more of an important service. Regular tree service will make certain that no hazardous dead limbs fall onto your house, your neighbors house, any vehicles, or even worse, your loved ones. Tree pruning is part of our standard tree service program. The act of pruning thins out your trees by removing branches that are damaged or lifeless. In this way, the rest of the tree is allowed to be healthy and vibrant. If you need expert tree removal in South River NJ, give us a call today.
When you require a professional tree cutting service in New Brunswick NJ and the rest of the local area because care, planting or removal issues on your house have come up, contacting an expert like Raritan Valley Tree Service is important. Every year you’ll read stories in the news of homeowners that have attempted to manage large tree limbs on their own and getting injured or even worse. It’s entirely unnecessary and dangerous to subject your self to this level of risk, so it’s never one worth taking. Many individuals underestimate how technical and complicated removing live or hanging tree branches is capable of being, thinking it’s not much different than cutting up firewood on the ground with a chainsaw. This could not be further than the truth, because there is a lot that you have to be aware of first. Tree removal cost is sometimes a factor that leads homeowners to try these dangerous tasks on their own. This is the reason you owe it to yourself to contact Raritan Valley Tree Service. We’re able to offer affordable services which can fit into the majority of family’s budgets. When your tree is near power lines or other hazards, the price may be usually higher but it’s important to keep in mind that dead trees are more hazardous than live ones. Therefore, it’s worth your safety to call Raritan Valley Tree Service, a trusted tree removal company in South River NJ.

tokenized:
When it comes to your trees and your landscape , some jobs are too big and too hazardous , requiring an expert tree cutting service in New Brunswick NJ and the rest of the local area such as Raritan Valley Tree Service who has the expertise necessary to keep your trees healthy and your landscape orderly . A typical rule of thumb as it pertains to determining if you are able to handle your own tree care or not is that unless you ’re capable of working with both feet on the ground , you should hire a professional tree service . Contacting a professional either way nevertheless is going to be significant considering how several other factors need certainly to be considered . Working at a considerable height requires appropriate protection and training due to a variety of risky factors including electrical wires , wildlife , nearby fences , structures or neighboring houses . If you require a contractor for tree service in South River NJ it can be risky to hire anyone but a respected and long standing name . This is why you owe it to yourself to contact Raritan Valley Tree Service .
 If you ’re trying to find peace of mind as it pertains to your property , making a great choice for a local tree service in New Brunswick NJ or the rest of the local region like Raritan Valley Tree Service is a smart idea . Do n’t underestimate how important of a choice this is , because you ’re in need of tree service on an on - going basis for your property to look its best but you additionally need to be sure you ’re selecting the right company to do so . Your house is a significant investment be it residential or commercial . This means that getting in touch with in an inexperienced tree contractor is n’t something you can afford to do . At Raritan Valley Tree Service we have been helping innumerable business and homeowners like you in the local area with premium quality services . We place a high priority on supplying exceptional customer service and making certain our contractors perform the best work possible . This is among the reasons we ’ve earned an A rating with the Better Business Bureau and why local residents continue to call us to return and work on their trees . You can count on our safety , knowledge , and reliability , in addition to familiarity with the local area which can be a substantial factor when it comes to your trees as a result of the fact that we ’ve got more than thirty five years of experience in the local area . Be sure to make Raritan Valley Tree Service your first call if you ’re in need of tree service in South River NJ and are hoping to experience the difference it ’s going to make to have a qualified local contractor on your side .
 If you are trying to find a qualified local tree service in New Brunswick NJ or other local areas to make sure that full removal is capable of being prevented , this is one of our goals at Raritan Valley Tree Service . Your trees require on - going tree maintenance from an expert in order to prevent a vast amount of potential problems from developing . Innumerable trees have been saved by our specialists in this manner . One of the most common ways we do this is with tree trimming services . Low lying branches are capable of getting in the way for countless reasons and may need to be removed . They are capable of being dangerous for individuals or they are even capable of winding up getting in the way of power lines . A lot of homeowners are surprised to discover precisely how many variables are involved in this type of service . It ’s not simply about removing branches . Making sure the well - being of the tree is preserved so it can thrive for years to come is the larger goal . The tree can be left more susceptible to diseases when improper trimming and pruning techniques are employed . Weight distribution is a vital variable to think about as well when deciding to minimize larger branches . In addition , the kind of cut and angle are to be considered carefully as well , as these are going to have substantial impact on the potential growth of the tree . For this service to be a success , there are also a lot of other factors that need to be considered . These include the tree ’s age , soil conditions and exposure to sun and wind , in addition to the kind of the tree and whether it has any predispositions to certain conditions . This is the reason you want to be sure to hire a contractor that will have the ability to address all of these factors . Do not hesitate to call Raritan Valley Tree Service today for services such as trimming from an expert tree service in South River NJ .
 Raritan Valley Tree Service is completely licensed and insured to supply tree removal in New Brunswick NJ and the rest of the local area . You never want to find that massive power equipment has resulted in unnecessary collateral damage when driving over your lawn . This is n’t something you ’ll ever have to worry about throughout our tree cutting on your property . Making sure your property remains totally intact and properly manicured is something we take pride in . After a job a comprehensive cleaning is always performed by our tree removal contractors . Leaving your landscape in a neat and orderly fashion is always something you ’re capable of depending on . Tree cutting is a crucial process which will keep your house or business looking amazing . Taking the safety of your , your family or coworkers into account makes this even more of an important service . Regular tree service will make certain that no hazardous dead limbs fall onto your house , your neighbors house , any vehicles , or even worse , your loved ones . Tree pruning is part of our standard tree service program . The act of pruning thins out your trees by removing branches that are damaged or lifeless . In this way , the rest of the tree is allowed to be healthy and vibrant . If you need expert tree removal in South River NJ , give us a call today .
 When you require a professional tree cutting service in New Brunswick NJ and the rest of the local area because care , planting or removal issues on your house have come up , contacting an expert like Raritan Valley Tree Service is important . Every year you ’ll read stories in the news of homeowners that have attempted to manage large tree limbs on their own and getting injured or even worse . It ’s entirely unnecessary and dangerous to subject your self to this level of risk , so it ’s never one worth taking . Many individuals underestimate how technical and complicated removing live or hanging tree branches is capable of being , thinking it ’s not much different than cutting up firewood on the ground with a chainsaw . This could not be further than the truth , because there is a lot that you have to be aware of first . Tree removal cost is sometimes a factor that leads homeowners to try these dangerous tasks on their own . This is the reason you owe it to yourself to contact Raritan Valley Tree Service . We ’re able to offer affordable services which can fit into the majority of family ’s budgets . When your tree is near power lines or other hazards , the price may be usually higher but it ’s important to keep in mind that dead trees are more hazardous than live ones . Therefore , it ’s worth your safety to call Raritan Valley Tree Service , a trusted tree removal company in South River NJ .


text: This cancer charity is recruiting for a Community and Events Manager to lead their friendly team of four. This charity is proud of their collaborative and professional culture and are keen to have someone join their team to drive forward their community and events programme. This is a nine month contract.

tokenized: This cancer charity is recruiting for a Community and Events Manager to lead their friendly team of four . This charity is proud of their collaborative and professional culture and are keen to have someone join their team to drive forward their community and events programme . This is a nine month contract .


text:
Testing Inflation with Hundreds of Fields Concordance or Contradiction?
This blog post was written by Marc Manera.
More than one million galaxies have been observed in the last three years by the 2.5 meter telescope at the Apache Point Observatory in New Mexico. In the picture above you can see the telescope (and me) just before sunset during a visit I made to the observatory some years ago. Some of the astronomers and cosmologists of the Sloan Digital Sky Survey had met nearby to discuss the science that can be done with the forthcoming observations – but now the data are already here.
When you have observations of the position and colour of more than one million galaxies at your fingertips, there are a lot of questions about the universe that can be investigated. In this post I will focus on how we have measured the expansion of the universe using the distribution of galaxies from the BOSS survey, which is part of the Sloan Digital Sky Survey.
BOSS – the Baryon Oscillation Spectroscopic Survey – has targeted 1.35 million galaxies covering approximately 10,000 square degrees. Galaxies are observed by setting optical fibres in the focal plane of the telescope. The light of each galaxy is then carried to a spectrograph where it is diffracted into a spectrum of wavelengths or frequencies i.e. colours – like a rainbow – and the data are stored.
As the light travels from the galaxy where it was originally emitted to us, the spectrum of colours of the galaxies shifts towards the red; i.e., the galaxies appear “redder” than their original colour. We call this change in colour redshift, and we can measure it because we know the colour/frequency of a particular atomic transition as it would have been observed in the galaxies when it was emitted. The magnitude of the colour change – the redshift – is an important cosmological quantity, and tells us how much the universe has changed in size since that light was emitted. If the universe has doubled its volume since then, then the wavelength of the light that we observe will have doubled too.
The figure above shows slices through the SDSS 3-dimensional map of the distribution of galaxies. The Earth is at the centre, and each point represents a galaxy, typically containing about 100 billion stars. The outer circle is at a distance of 2 billion light years. The wedges showing no galaxies were not mapped by the SDSS because dust in our own Galaxy obscures the view of the distant universe in this direction. Both slices contain all galaxies between -1.25 and 1.25 degrees declination.
As the SDSS map shows, galaxies in the universe are not distributed randomly. Galaxies tend to cluster in groups of galaxies because they attract each other through gravity. Galaxies also have a particular separation at which they are more likely to be found; this separation is set by plasma physics – it is the Baryon Acoustic Oscillation characteristic distance – and we know it is about 4.5 x 1021 km. This is the distance that galaxies “like” to keep between themselves, in a typical sense.
In the sky, for each set of galaxies that emitted their light at a particular moment during the expansion of the universe, the typical separation of the galaxies subtends a particular angle. Since we can calculate this separation between galaxies from physics (r) and the angle it subtends by observation (θ), using the basic geometry of a triangle we can work out the distance between us and these galaxies (d). This is illustrated in the final figure below.
This shows a person observing two galaxies separated by a typical distance r. If we know then angle θ, we can measure the distance from us to the galaxies.
Finally, because the speed of light in constant, we know how long ago the light from the galaxies was emitted, and thus we have all the information we need to deduce the expansion history of the universe.
So to sum up, to work out the expansion rate of the universe we select several samples of galaxies; each sample will have emitted its light at a different time, and therefore it is at a different distance to us. We can measure this distance using simple geometry by observing the typical angle by which galaxies are separated. Once we have the distance to each sample of galaxies, we also have a measure of how long ago they emitted that light. Now, from the colours of the galaxies (the redshift) we also know how big the universe was at that time. For each set of galaxies we know the age of the universe at a particular moment and how big the universe was at that time. We have therefore determined the expansion history of the universe.
This is exactly what the BOSS survey has done using three sets of galaxies at different distances.

tokenized:
Testing Inflation with Hundreds of Fields Concordance or Contradiction ?
 This blog post was written by Marc Manera .
 More than one million galaxies have been observed in the last three years by the 2.5 meter telescope at the Apache Point Observatory in New Mexico . In the picture above you can see the telescope ( and me ) just before sunset during a visit I made to the observatory some years ago . Some of the astronomers and cosmologists of the Sloan Digital Sky Survey had met nearby to discuss the science that can be done with the forthcoming observations – but now the data are already here .
 When you have observations of the position and colour of more than one million galaxies at your fingertips , there are a lot of questions about the universe that can be investigated . In this post I will focus on how we have measured the expansion of the universe using the distribution of galaxies from the BOSS survey , which is part of the Sloan Digital Sky Survey .
 BOSS – the Baryon Oscillation Spectroscopic Survey – has targeted 1.35 million galaxies covering approximately 10,000 square degrees . Galaxies are observed by setting optical fibres in the focal plane of the telescope . The light of each galaxy is then carried to a spectrograph where it is diffracted into a spectrum of wavelengths or frequencies i.e. colours – like a rainbow – and the data are stored .
 As the light travels from the galaxy where it was originally emitted to us , the spectrum of colours of the galaxies shifts towards the red ; i.e. , the galaxies appear “ redder ” than their original colour . We call this change in colour redshift , and we can measure it because we know the colour / frequency of a particular atomic transition as it would have been observed in the galaxies when it was emitted . The magnitude of the colour change – the redshift – is an important cosmological quantity , and tells us how much the universe has changed in size since that light was emitted . If the universe has doubled its volume since then , then the wavelength of the light that we observe will have doubled too .
 The figure above shows slices through the SDSS 3 - dimensional map of the distribution of galaxies . The Earth is at the centre , and each point represents a galaxy , typically containing about 100 billion stars . The outer circle is at a distance of 2 billion light years . The wedges showing no galaxies were not mapped by the SDSS because dust in our own Galaxy obscures the view of the distant universe in this direction . Both slices contain all galaxies between -1.25 and 1.25 degrees declination .
 As the SDSS map shows , galaxies in the universe are not distributed randomly . Galaxies tend to cluster in groups of galaxies because they attract each other through gravity . Galaxies also have a particular separation at which they are more likely to be found ; this separation is set by plasma physics – it is the Baryon Acoustic Oscillation characteristic distance – and we know it is about 4.5 x 1021 km . This is the distance that galaxies “ like ” to keep between themselves , in a typical sense .
 In the sky , for each set of galaxies that emitted their light at a particular moment during the expansion of the universe , the typical separation of the galaxies subtends a particular angle . Since we can calculate this separation between galaxies from physics ( r ) and the angle it subtends by observation ( θ ) , using the basic geometry of a triangle we can work out the distance between us and these galaxies ( d ) . This is illustrated in the final figure below .
 This shows a person observing two galaxies separated by a typical distance r. If we know then angle θ , we can measure the distance from us to the galaxies .
 Finally , because the speed of light in constant , we know how long ago the light from the galaxies was emitted , and thus we have all the information we need to deduce the expansion history of the universe .
 So to sum up , to work out the expansion rate of the universe we select several samples of galaxies ; each sample will have emitted its light at a different time , and therefore it is at a different distance to us . We can measure this distance using simple geometry by observing the typical angle by which galaxies are separated . Once we have the distance to each sample of galaxies , we also have a measure of how long ago they emitted that light . Now , from the colours of the galaxies ( the redshift ) we also know how big the universe was at that time . For each set of galaxies we know the age of the universe at a particular moment and how big the universe was at that time . We have therefore determined the expansion history of the universe .
 This is exactly what the BOSS survey has done using three sets of galaxies at different distances .


text:
The Algoma Public Library is seeking a well-organized, creative and energetic person to fill the position of library director.
The Algoma Public Library is a member of the Nicolet Federated Library System and the OWLSNet consortium, located on the shore of Lake Michigan, serves a municipal community of 3,167 and provides library services to non-municipal residents of Kewaunee County.
The Library Director is under the direct supervision of a 7 member Board of Trustees and is responsible for the operations of the library including serving as the library’s executive officer and technical advisor to the board, building and maintaining the collection, managing the library budget and finances, supervising library staff, maintaining the library building, and developing, implementing and promoting library services to all residents of the community.
Candidates must have a Bachelor Degree and have a Grade 2 Library Certification, or file for a provisional certification application to complete the required coursework within certification guidelines.
Strong administrative, communication and organizational skills; knowledge of public library philosophy, principles and procedures to allow effective and sound recommendations to the board; ability to create and maintain effective public relations, manage library finances, communicate effectively with library customers and staff, effectively use computer applications and maintain skills through participation in continuing education activities.
Two or more years of successful library experience or comparable work experience is required.
This is a salaried position (40 hours per week) and includes benefits.

tokenized:
The Algoma Public Library is seeking a well - organized , creative and energetic person to fill the position of library director .
 The Algoma Public Library is a member of the Nicolet Federated Library System and the OWLSNet consortium , located on the shore of Lake Michigan , serves a municipal community of 3,167 and provides library services to non - municipal residents of Kewaunee County .
 The Library Director is under the direct supervision of a 7 member Board of Trustees and is responsible for the operations of the library including serving as the library ’s executive officer and technical advisor to the board , building and maintaining the collection , managing the library budget and finances , supervising library staff , maintaining the library building , and developing , implementing and promoting library services to all residents of the community .
 Candidates must have a Bachelor Degree and have a Grade 2 Library Certification , or file for a provisional certification application to complete the required coursework within certification guidelines .
 Strong administrative , communication and organizational skills ; knowledge of public library philosophy , principles and procedures to allow effective and sound recommendations to the board ; ability to create and maintain effective public relations , manage library finances , communicate effectively with library customers and staff , effectively use computer applications and maintain skills through participation in continuing education activities .
 Two or more years of successful library experience or comparable work experience is required .
 This is a salaried position ( 40 hours per week ) and includes benefits .


text:
Investment-linked insurance policies (ILPs) have both a life insurance and an investment component. Find out how ILPs work and what you should know if you are considering whether to buy one.
ILPs combine life insurance coverage and investment.
Investment returns are based on the sub-fund’s performance, so you need to select one that meets your investment objectives and risk profile.
You bear the full investment risk, there are no guaranteed returns.
Insurance charges are paid for by the investment portion of the ILP. Such charges rise with age and there is a risk that your units may not be enough to pay for them.
Investment-linked insurance policies (ILPs) are policies that have life insurance coverage and investment components.
Your premiums are used to pay for units in one or more sub-funds of your choice. Some of the units purchased are then sold to pay for insurance and other charges, while the rest remain invested.
ILPs provide insurance protection in the event of death or if included, total and permanent disability (TPD). Depending on the policy, the death or TPD benefit may comprise the higher of the sum assured or the value of the units in the sub-fund at that point in time or some combination of the two.
The value of these units depends on their price, which in turn depends on the sub-fund’s performance. This is why ILPs usually do not have any guaranteed cash values.
Some consumers value ILPs because of their flexibility.
You can change your investments by switching sub-funds when your financial needs change. In addition, you may also top up your investments and make partial withdrawals.
Most regular premium ILPs give you the flexibility to vary the insurance coverage as your needs change. For example, you can reduce the coverage (subject to a minimum sum assured) or even increase it (subject to underwriting).
But if you are only concerned about getting insurance coverage, an ILP may not be the most suitable product for you.
Single-premium ILPs – You pay a lump sum premium to buy units in a sub-fund. Most single premium ILPs provide lower insurance protection than regular premium ILPs.
Regular premium ILPs – You pay premiums on an on-going basis. Regular premium ILPs may allow you to vary the level of insurance coverage you need.
Some ILPs may be categorised as Specified Investment Products (SIPs). Do check with your financial institution whether the product you are considering is an SIP.
The investment strategy of an ILP is determined by your selection of the sub-funds. This is unlike whole life or endowment policies where the insurer determines the investment strategy.
Since an insurer will normally provide you with a range of sub-funds to choose from, it is important that you understand the sub-fund’s investment strategy and approach, as well as the potential risks.
If you don't need the insurance coverage, you may consider unit trusts and exchange traded funds (ETFs) instead.
Choose one of more sub-funds that suit your investment objectives and time horizon.
Some sub-funds offer greater potential for higher returns but come with an increased risk of financial losses. On the other hand, other sub-funds (such as cash sub-funds), may be expected to yield more modest returns in exchange for relatively lower risks.
For all ILP sub-funds under the CPF Investment Scheme, the CPF Board will assign a risk classification. Do note that these risk classifications only serve as a very broad guide on whether the sub-fund is suitable for you.
ILPs allow you to move your money from one sub-fund to another. This is known as fund switching.
It may be helpful for you to consider this if your financial circumstances or risk appetite have changed and you no longer find your current sub-fund suitable.
Most insurers offer a limited number of free switches and charge a nominal fee per switch thereafter. Before switching from one sub-fund to another, check whether you are entitled to free switches and if not, how much you would need to pay for the switch.
While you are paying the same monthly premium throughout the life of the policy, the cost of insurance typically increases year on year (as you get older the risk of death, disability and illness increases). This is even if you maintain the same coverage (i.e. sum assured).
This means that more units may be sold to pay for the insurance charges, leaving fewer units to accumulate cash value under your policy.
If you have a combination of high insurance coverage and a poorly performing sub-fund, the value of your units may not be enough to pay the insurance charges. You will have to top up your premium or reduce the coverage.
If protection is your main goal, other products such as term insurance, may offer higher coverage at a lower cost.
The returns are not guaranteed. The value of an ILP depends on how the sub-funds perform.
Do not rely on the past returns of a sub-fund as an indication of its future performance.
Insurance charges rise with age. Your units may not be enough to pay the charges.
For regular premium ILPs, insurers may also increase the cost of insurance coverage, if there has been a sustained rise in claims. If so, any increase would be applied to an entire class of policies and not just to an individual policy.
ILPs usually do not have any guaranteed cash values. Hence, you can potentially lose the entire value of your investment.
ILPs are better suited for those with a longer investment horizon to ride out market fluctuations and defray initial costs which can significantly limit short-term potential returns.
The insurance coverage between ILPs differ. Some are more investment-oriented with very little insurance coverage, whilst others will allow you to set the level of coverage that you require. Do note that the more you are covered for, the more units will be needed to pay for the coverage and that leaves less units to be invested.
Do consider whether you can keep up with the premiums if you no longer earn an income.
Do compare investing through an ILP against investing in other investment products. In some cases, the sub-fund that you are interested in may also be offered as a unit trust (i.e. without insurance coverage).
If insurance protection is your main goal, then you may wish to consider other insurance options.
Read your ILP statements, which your insurer will send to you at least once a year (or more frequently). This statement shows the value of units in the policy, transactions for the period and charges paid through the sale of units.
Do review this statement to check if the ILP and sub-funds selected continue to suit your needs. Seek advice if your circumstances and what you need have changed.
You can use your CPF savings to buy an ILP if the ILP is included under the CPF Investment Scheme (CPFIS). The CPF Board assigns a risk classification which serves as a broad guide to all ILP sub-funds under CPFIS.

tokenized:
Investment - linked insurance policies ( ILPs ) have both a life insurance and an investment component . Find out how ILPs work and what you should know if you are considering whether to buy one .
 ILPs combine life insurance coverage and investment .
 Investment returns are based on the sub - fund ’s performance , so you need to select one that meets your investment objectives and risk profile .
 You bear the full investment risk , there are no guaranteed returns .
 Insurance charges are paid for by the investment portion of the ILP . Such charges rise with age and there is a risk that your units may not be enough to pay for them .
 Investment - linked insurance policies ( ILPs ) are policies that have life insurance coverage and investment components .
 Your premiums are used to pay for units in one or more sub - funds of your choice . Some of the units purchased are then sold to pay for insurance and other charges , while the rest remain invested .
 ILPs provide insurance protection in the event of death or if included , total and permanent disability ( TPD ) . Depending on the policy , the death or TPD benefit may comprise the higher of the sum assured or the value of the units in the sub - fund at that point in time or some combination of the two .
 The value of these units depends on their price , which in turn depends on the sub - fund ’s performance . This is why ILPs usually do not have any guaranteed cash values .
 Some consumers value ILPs because of their flexibility .
 You can change your investments by switching sub - funds when your financial needs change . In addition , you may also top up your investments and make partial withdrawals .
 Most regular premium ILPs give you the flexibility to vary the insurance coverage as your needs change . For example , you can reduce the coverage ( subject to a minimum sum assured ) or even increase it ( subject to underwriting ) .
 But if you are only concerned about getting insurance coverage , an ILP may not be the most suitable product for you .
 Single - premium ILPs – You pay a lump sum premium to buy units in a sub - fund . Most single premium ILPs provide lower insurance protection than regular premium ILPs .
 Regular premium ILPs – You pay premiums on an on - going basis . Regular premium ILPs may allow you to vary the level of insurance coverage you need .
 Some ILPs may be categorised as Specified Investment Products ( SIPs ) . Do check with your financial institution whether the product you are considering is an SIP .
 The investment strategy of an ILP is determined by your selection of the sub - funds . This is unlike whole life or endowment policies where the insurer determines the investment strategy .
 Since an insurer will normally provide you with a range of sub - funds to choose from , it is important that you understand the sub - fund ’s investment strategy and approach , as well as the potential risks .
 If you do n't need the insurance coverage , you may consider unit trusts and exchange traded funds ( ETFs ) instead .
 Choose one of more sub - funds that suit your investment objectives and time horizon .
 Some sub - funds offer greater potential for higher returns but come with an increased risk of financial losses . On the other hand , other sub - funds ( such as cash sub - funds ) , may be expected to yield more modest returns in exchange for relatively lower risks .
 For all ILP sub - funds under the CPF Investment Scheme , the CPF Board will assign a risk classification . Do note that these risk classifications only serve as a very broad guide on whether the sub - fund is suitable for you .
 ILPs allow you to move your money from one sub - fund to another . This is known as fund switching .
 It may be helpful for you to consider this if your financial circumstances or risk appetite have changed and you no longer find your current sub - fund suitable .
 Most insurers offer a limited number of free switches and charge a nominal fee per switch thereafter . Before switching from one sub - fund to another , check whether you are entitled to free switches and if not , how much you would need to pay for the switch .
 While you are paying the same monthly premium throughout the life of the policy , the cost of insurance typically increases year on year ( as you get older the risk of death , disability and illness increases ) . This is even if you maintain the same coverage ( i.e. sum assured ) .
 This means that more units may be sold to pay for the insurance charges , leaving fewer units to accumulate cash value under your policy .
 If you have a combination of high insurance coverage and a poorly performing sub - fund , the value of your units may not be enough to pay the insurance charges . You will have to top up your premium or reduce the coverage .
 If protection is your main goal , other products such as term insurance , may offer higher coverage at a lower cost .
 The returns are not guaranteed . The value of an ILP depends on how the sub - funds perform .
 Do not rely on the past returns of a sub - fund as an indication of its future performance .
 Insurance charges rise with age . Your units may not be enough to pay the charges .
 For regular premium ILPs , insurers may also increase the cost of insurance coverage , if there has been a sustained rise in claims . If so , any increase would be applied to an entire class of policies and not just to an individual policy .
 ILPs usually do not have any guaranteed cash values . Hence , you can potentially lose the entire value of your investment .
 ILPs are better suited for those with a longer investment horizon to ride out market fluctuations and defray initial costs which can significantly limit short - term potential returns .
 The insurance coverage between ILPs differ . Some are more investment - oriented with very little insurance coverage , whilst others will allow you to set the level of coverage that you require . Do note that the more you are covered for , the more units will be needed to pay for the coverage and that leaves less units to be invested .
 Do consider whether you can keep up with the premiums if you no longer earn an income .
 Do compare investing through an ILP against investing in other investment products . In some cases , the sub - fund that you are interested in may also be offered as a unit trust ( i.e. without insurance coverage ) .
 If insurance protection is your main goal , then you may wish to consider other insurance options .
 Read your ILP statements , which your insurer will send to you at least once a year ( or more frequently ) . This statement shows the value of units in the policy , transactions for the period and charges paid through the sale of units .
 Do review this statement to check if the ILP and sub - funds selected continue to suit your needs . Seek advice if your circumstances and what you need have changed .
 You can use your CPF savings to buy an ILP if the ILP is included under the CPF Investment Scheme ( CPFIS ) . The CPF Board assigns a risk classification which serves as a broad guide to all ILP sub - funds under CPFIS .