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Category Archives: TRACKING
DISTRACTION is one of the leading causes of fatal road crashes in Australia but new hi-tech detection cameras that catch drivers using their mobile phones without them even knowing could soon change everything.
A New South Wales Police spokesman told news.com.au that officers currently "use a variety of methods to detect drivers using their phones while driving".
"Line-of-site, by trained officers is the primary method of detection, however, long-ranged cameras have been used with success, and helmet cameras in motorcycle police continue to be used," the spokesman said.
But that technology could soon be replaced by fixed position cameras that automatically issue an infringement notice without the driver even realising they've been sprung.
NSW Police Highway Patrol boss, Assistant Commissioner Mick Corboy, told the Nine News there were "emerging technologies coming out".
"So the way we are going to defeat this is by video evidence, by photographic evidence and we are looking at everything possible around the world at the moment and we think we'll get something in place fairly quickly," Mr Corboy said.
His comments came after NSW Minister for Roads Melinda Pavey put out a call on Tuesday for potential providers to present "practical, technology-based solutions to address the problem" of mobile phone use in cars.
"Developing this technology would be a world-first and is one of the priorities of our Road Safety Plan 2021 that we announced," Mrs Pavey said.
As part of the Road Safety Plan 2021, the NSW Government outlined its plans to implement legislative changes to allow camera technology to enforce mobile phone use offences.
Mrs Pavey said the Road Transport Legislation Amendment (Road Safety) Bill 2018 was introduced into the NSW Legislative Assembly on March 6, 2018. NSW is the first jurisdiction to introduce such legislation in Australia.
Last year, NSW Police handed out about 42,000 fines to drivers caught on their mobile phones, with the distraction increasingly emerging as a factor in fatal crashes over the past decade.
In February this year, serial texter Jakob Thornton, was allegedly engrossed in his phone when he ploughed into a roadside breath test in southwest Sydney, seriously injuring two officers.
Senior Constable Jonathon Wright had his foot and part of his lower leg amputated and Senior Constable Matthew Foley suffered a broken leg.
Alex McCredie demonstrates how the hi-tech cameras that can detect drivers using mobile phones work. Picture: Mark Stewart.
According to National Road Safety Partnership Program (NRSPP) Manager Jerome Carslake, the most common causes of road fatalities and car accidents occasioning serious harm are fatigue, speed, distraction (including mobile phones), and alcohol or drugs.
During the 12 months ending in February 2018, there were 1249 road deaths across Australia. That was a 0.2 per cent decrease compared to the total for the 12-month period ending February 2017.
In 2016, 1300 lives were lost on roads nationwide, which was an increase of nearly 8 per cent on the previous year (1205).
Mr Corboy said in a statement earlier this month that too many people made "poor decisions" while driving. "Every fatal crash is a tragedy for not only those involved, but for the families they leave behind," he said.
"The most frustrating part about it is that most crashes are preventable if people slow down and take responsibility on our roads."
In NSW, motorists caught using a mobile phone while driving can be slapped with a $330 fine and a loss of four demerit points, regardless of whether they're repeat offenders or not.
The Australian Capital Territory has some of the toughest laws in the country, with a fine of $528 and loss of four demerit points for a driver caught texting or using social media behind the wheel.
Like the ACT, Western Australia also has a separate specific offence for motorists caught texting while driving. "WA Police Force is constantly looking for new ways to target offences frequently linked to serious and fatal crashes on our roads, including inattention through mobile phone use," a WA Police spokesman told news.com.au.
"The penalty for using a mobile phone while driving is $400 and three demerit points."
This driver was booked by Acting Sargeant Paul Stanford for using a mobile phone while driving in Brisbane City and copped a $378 fine. Picture: Jamie Hanson.
In Queensland, motorists can be fined $378 and have three demerit points recorded against their traffic history if they are caught holding a mobile phone for any reason while driving – that includes when they're stopped at traffic lights or in congested traffic.
Learner and P1 drivers are prohibited from using hands free, wireless headsets or a mobile phone's loudspeaker function. "At this time the QPS does not have technology to detect drivers using mobile phones," a QLD Police spokesman told news.com.au.
Double demerit points apply for second or subsequent mobile phone offences committed within one year after an earlier offence.
A hi-tech camera which can detect people using their mobile phones while driving was trialled in Melbourne last year. Picture: Mark Stewart.
A red-light style camera capable of photographing drivers illegally using their mobile phones was trialled in Melbourne, Victoria last year. The technology – touted as a world first – detected 272 culprits during a five-hour test across just one lane of the Eastern Freeway, the Herald Sun reported.
The trial revealed that 7.1 per cent of the drivers observed infringed phone use laws. And 65.8 per cent of those offences related to motorists actively using their phone by holding it or touching it in a cradle. Authorities said in December last year that they were always looking at ways to improve road safety but had no current plans to introduce the technology.
This driver was booked for using his mobile phone whilst driving in Brisbane. Picture: Jamie Hanson.
A South Australia Police spokesman told news.com.au the state "doesn't yet have any technologies to assist in the detection of driving while using mobile phones".
As of November 11, 2017, the fine for using a mobile phone while driving was $327 plus a $60 government levy – totalling $387 coupled with three demerit points. Drivers are permitted to touch their phones only if they are making or receiving a call on a device mounted to the vehicle.
"To avoid doubt, nothing … authorises a person to use a mobile phone by pressing a key on the device, or by otherwise manipulating the body or screen of the phone, if the phone is not secured in a mounting affixed to the vehicle," the legislation reads.
The SA Police spokesman said it was "lawful to pull over to the side of the road to a place where it is legal to stop and make or receive a telephone call".
"There is no requirement to turn off the engine," he said. "Although the rule that relates to mobile telephones does not say that the vehicle must be in an area where it is legal to park, other Australian Road Rules come into play.
"To put that into perspective, it is not legal to park at a set of traffic lights, therefore it is unlawful to use a hand held phone while stationary at those lights."
Acting Sargeant Paul Stanford speaks to a motorist in Brisbane City.
This entry was posted in Australia, CAMS PHOTOS, MOBILE PHONES, POLICE EQUIPMENT, TECHNOLOGY, TRACKING, TRAFFIC ISSUES and tagged beware big brother in watching mobile phone drivers, catch cam phone use, mobile phone user drivers beware on April 14, 2018 by Henry.
THIS POLICE SERVICE IS TRIALLING A SYSTEM WHERE YOUR REGO PLATE POSITION NUMBER IS TRACKED IN REAL TIME
POLICE will use GPS technology to capture the location of more than a million vehicles on Queensland roads at any one time – and will use it to charge criminals.
The geographic location of about 25,000 registration number plates are being stored by police each week under a trial that has alarmed civil libertarians.
The move is part of the broadened Automatic Number Plate Recognition (ANPR) trial, which uses global position systems and cameras fitted in police vehicles.
It means that if a motorist drives past a police car, their position is recorded. It will be stored for a year and one day. The trial will end in June 2014.
READ MORE: Police use go card information for tracking
Transport Minister Scott Emerson said he believed most drivers would be comfortable with police using their number plates to track them and contact them if it means they can help solve a crime.
"The reality is that most people are very keen to help out where they can in terms of crimes," Mr Emerson said.
"We are talking here about using that information to look for witnesses to crimes.
"Not many people would be concerned about them being contacted using their information to help deal with a crime when they occur."
While police are using the information to bust unregistered vehicles, sources admit it could also be used to determine who was nearby when certain crimes were committed.
"If a request is made by a police officer for a search of the ANPR database to be conducted and the request is substantiated and approved by a commissioned officer as supporting an investigation or prosecution of a criminal offence, the recorded ANPR information can be lawfully used by the QPS," police said in a statement to The Courier-Mail.
"The Queensland Police Service has strict accountability measures in place to govern the use of automatic numberplate recognition technology for broader law enforcement."
Last week The Courier-Mail revealed police were tracing the everyday movements of thousands of Queenslanders by routinely accessing detailed phone records.
Even the mobile phone records of their own officers were being pulled, to determine if they had thrown sickies, had sex with police cadets at the academies or where they were if their boss was suspicious about their location on duty.
YOUR SAY: Should police use number plates to track people? Comment below
Queensland Council for Civil Liberties president Andrew Sinclair said the trial and what could be done with the information was concerning.
Mr Sinclair said the trial involved the collection of personal information, which violated the right to privacy and the principles embodied in the Privacy Act.
He said history showed that when a data collection device was created it was not long before it was turned to other purposes.
"At least there is an act governing the telcos (when police ask for some information) but there's nothing governing how they collect and use the number plates," Mr Sinclair said.
"And I'll bet it ends up getting used for all sorts of things. Whether an officer's wife is found in a part of town she's not expected to be, was so and so really having a sickie etc."
Queensland's acting Privacy Commissioner Lemm Ex said his office had been apprised of the potential use of APNRs in Queensland.
"Number plates are not in themselves personal information. They become personal information if a link can be made between the number and the owner of the registered vehicle," Mr Ex said. "Accordingly, the significant factor is not the capture of number plates but rather their recognition – the linking with an individual.
"If that linking is conducted for a law enforcement activities, no privacy issues arise with it.
"There is no provision in the Information Privacy Act for agencies to dispose of personal information when they no longer have a use for it, and only a limited obligation to de-identify health information."
QPS has trialled the technology previously.
This entry was posted in Australia, CAR REGISTRATION, POLICE METHODS, SOFTWARE, TRACKING, TRANSPORT and tagged car registration numbers tracked by police, gps police, police powers unleashed, police states in australia, police tracking methods, tracking citizens by police on September 4, 2013 by Henry.


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However, the sony dcr trv350 usb size is limited to x or x The number of pictures can be stored is only limited by the size of the Memory Stick. To achieve a Gold competency sonj, Solvusoft goes through extensive independent analysis that looks for, amongst dcg qualities, a high level of software expertise, a successful customer service track record, and top-tier customer value.
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Mike Ruiz Sun, 04 Jun The host of friendly features will appeal to the trv3500 shooter and the manual controls will please anyone who aspires to the moniker "amateur videographer. Formula for transferring Hi 8 Tapes: Use this camcorder to capture memories sony dcr trv350 usb the dark with Sony's NightShot system.
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Me urge es para un trabajo de la U. They group into a few clusters of related cameras with varying feature sets at varying prices. Sony made good machines and the is very robust and does both Dcf analog tapes and Digital 8 ones. The following sony dcr trv350 usb show approximate minutes at 25 degree C 77 degree F:.
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<TITLE>Review for Boys Don't Cry (1999)</TITLE>
<LINK REL="STYLESHEET" TYPE="text/css" HREF="/ramr.css">

Boys Don't Cry (1999)

reviewed by
Paul X Foley

Review: Boys Don't Cry

        Starring Hilary Swank, Chloe Sevigny, Peter Sarsgaard.
        Written and directed by Kimberly Pierce

This film, based on actual events, chronicles the story of Teena Brandon, a
young woman who passed as a man and was raped and murdered when her identity
was uncovered.  It is a fascinating and disturbing story, an unsentimental look
at the American heartland as a place of deeply ingrained intolerance.  Rather
than nurturing individual freedom, as the American myth would have it, the wide
open spaces of rural Nebraska make its people's lives narrow and pinched.

Enter Teena Brandon (Hilary Swank), who reinvents herself as Brandon Teena.
He's a fearless and outgoing little guy with a big buck-toothed grin.
Getting into a barroom scrape with a man literally twice his size,
bumper-surfing under the power lines, racing another car on a dark and deserted
highway, it's an exhilarating beginning to his new life.  His enthusiasm
proves attractive to the doe-eyed Lana (Chloe Sevigny), standing as it does in
marked contrast to the bleak hopelessness of her small circle of friends.
She's also attracted by Brandon's simple kindness toward her.  Kindness is
something she's seen precious little of.

Trouble is not far behind.  Brandon lives by shoplifting and forging checks,
and is dogged by an outstanding warrant for auto theft.  Minimum wage jobs and
petty crime are the only future these misbegotten souls have to look forward
to.  Then there's John (Peter Sarsgaard), the young ex-con and alpha male of
the group who wants to protect Lana.  Clearly, the only one she needs to be
protected from is him.  Inevitably there is trouble between him and Brandon.
Brandon, I think, sees it coming; he just doesn't care to get out of the way.
 He's burning his candle at both ends.  What follows is the heartbreaking
destruction of young life.

"Boys Don't Cry� stands in sharp contrast to the sentimentalized,
glamorized violence of "Fight Club�.  Stripped of Brad Pitt's movie star
appeal, fighting in barrooms and stealing cars begins to look depressingly
low-rent.  Unleashed rage leads not to catharsis and manhood confirmed but
rather to two corpses on the floor of a farmhouse in Falls City, Nebraska.

The review above was posted to the
rec.arts.movies.reviews newsgroup (de.rec.film.kritiken for German reviews).

The Internet Movie Database accepts no responsibility for the contents of the
review and has no editorial control. Unless stated otherwise, the copyright
belongs to the author.

Please direct comments/criticisms of the review to relevant newsgroups.

Broken URLs inthe reviews are the responsibility of the author.

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Related links: index of all rec.arts.movies.reviews reviews

redpajama_set_name: RedPajamaGithub


That's why Glotzbecker teamed up with Brianna O'Connell, a child life specialist and program lead of simulation programs for patients and caregivers at the Boston Children's SIMPeds Simulator Program, to create an immersive day for patients and their families to experience spinal fusion well ahead of surgery day.
Spinal fusion: The most common surgical procedure for treating spinal problems combines fusion and instrumentation (rods and screws) to correct and solidify the curve. Learn more about spinal fusion and other scoliosis treatments.
Many of the children and adolescents who attended the spinal fusion simulation, held in April 2017, have their surgeries scheduled for this summer, during their school break. The simulation included realistic set-ups of the pre-op, operating room, recovery room and inpatient hospital room as well as all the medical equipment and procedures that they will experience during their stay at Boston Children's and what to expect after discharge home.
"It was a great opportunity to familiarize kids with what they will see and experience on surgery day and beyond, and give them the chance to ask questions about things they may be curious or worried about," says O'Connell.
On their first stop during the spinal fusion simulation experience, patients learned what to expect during pre-op. They looked at hospital gowns and got familiar with the pain-free IV system. A burst of topical anesthetic numbs the skin and then a very thin, flexible and soft IV is inserted into a vein in the arm. There's no need to worry that moving around will damage the vein or needle. Here, a mannequin is given medicine intravenously.
At the next simulation station, Glotzbecker used a spinal model to show patients how rods and screws will be used to straighten the spine. Many patients were concerned that the screws would be near their spinal cord; Glotzbecker showed them the location of the spinal cord and explained that the screws safely go into vertebrae bones on either side of the cord.
Next, patients entered a realistic simulation operating room. So realistic, in fact, that the room is used by surgical teams to practice new procedures. At this station, patients learned about the different monitors that would be used to assist the surgical team during the surgery and what to expect when they are given anesthesia in the operating room. The surgical team explained that everyone in the room will be wearing masks and gowns and that patients should expect to fall asleep with a flock of caregivers surrounding them and taking care of them. Once asleep, patients will be gently rolled onto their stomachs. A surgical drape will be placed over them, so that only the area of their spine is exposed during surgery.
Here, a nurse explains who the members of the surgical team are. In addition to the surgeon and anesthesiologist, there are many assistants and nurses who help make the surgery go safely and smoothly. Throughout the procedure, the team closely monitors neurological activity to make sure that their manipulation of the spine does not have any adverse impact on motor skills.
Patients and their families got up close and personal with some of the equipment and materials that will be used during spinal fusion. Here, they test out soft padding that will be used to pad the patients' knee and hip bones while they are lying asleep during the long surgery.
The surgical table for spinal fusion is a special, adjustable surface that cradles a patient's body while they lie face down during the surgery. Here, a nurse presses upon the table's cushiony material, demonstrating how supportive it is.
Next, patients learned that after waking up from anesthesia, they can expect to be a bit disoriented. Their parents may or may not be in the recovery room yet, but there will be no need to worry. A nurse explained that as soon as a patient begins to wake up, mom and dad will quickly arrive at their bedside. While waking up, patients will notice that they are wearing an oxygen mask, just like the one being tried out in the picture above.
After recovery, patients will be brought to their hospital room in the 10 Northwest wing of Boston Children's, where they will remain for the next few days until they are ready to go home. Here, a nurse practitioner uses a medical mannequin to show patients the type of bandage that will be worn after surgery to protect their surgical incision.
Patients will receive round-the-clock care and can expect nurses to periodically check their vital signs. Here, a patient tries out a stethoscope and checks to see if she can find a pulse on a hi-fidelity medical mannequin (which has a pulse, heartbeat and lung sounds). In the first day after surgery, patients will be able to manage their pain by pushing a button that releases painkillers through their IV line. Soon, patients can expect to be switched to oral painkillers to help keep them comfortable while they heal.
This is a sample of a coping kit, which is one of the tools that child life specialists use to help patients cope with procedures, any post-op pain they may have and the general hospital experience.
At the simulation event, a patient who has already undergone spinal fusion at Boston Children's (right) was available to answer questions about her experience. One question she received was how long it was before she could return to being active after surgery. She explained that it's different for each person, but that activity can increase gradually in parallel with the spine's healing process. Patients should expect to work closely with their surgeon to determine when it's appropriate to resume various activities. Today, a year after surgery, this former patient is back to running cross country and doing all the things she did before her spinal fusion.
Physical therapy is an essential part of successful spinal fusion. While staying in the hospital post-op, physical therapists will visit the patient to help them complete milestones like walking down the hallway and using the bathroom on their own. These and other milestones make up a checklist that must be completed before patients are ready to go home. The simulation prepared patients for what to expect during their stay at the hospital and — by using a room that mimics a child's bedroom — also when they return home and continue their recovery there. Patients should be ready to get familiar with the "log roll", demonstrated here, which is a technique for getting out of the bed that prevents any bending or twisting of their spine.
Although the spinal fusion simulation was a first-time pilot event, organized by Glotzbecker and O'Connell, they have already received positive feedback from the patients and families who attended. As a result, they hope to host future simulations so that upcoming spinal fusion patients also have the option to "experience" their surgery before the big day arrives.
Update as of June 2018: Since the inaugural spinal fusion simulation event, the Spinal Program has held two additional events in February and April of 2018.
The Spinal Program is also planning three more spinal fusion simulations for spring and summer 2019. Please contact O'Connell to learn more (Brianna.OConnell@childrens.harvard.edu).
Learn more about our Spinal Program.


text:
Ten displaced after house fire in San Jose
SAN JOSE, Calif.
The blaze was reported at 3:36 p.m. at the home at 2741 Eulalie Drive, San Jose fire Capt. Anthony Melendrez said.
Firefighters contained the blaze to the room of origin and it was under control by 4 p.m., Melendrez said.
Melendrez said the house did not sustain a lot of fire damage, however, the house was deemed uninhabitable because firefighters ventilated the roof and the blaze caused electrical damage.
Four adults and six children were displaced by the fire and the American Red Cross was contacted to assist them.

redpajama_set_name: RedPajamaCommonCrawl


At the companies of OneAmerica®, we believe that everyone should be able to determine their financial path. The journey to financial security begins with two simple steps — understanding where you want to be in the future and then finding a strong company to join you on your journey.
The financial landscape changes every day and your financial situation readjusts more often than you may realize. However, with information and resources from the companies of OneAmerica, you can get a clearer understanding of your goals and how we can help you achieve them.
OneAmerica® regularly publishes financial education articles that you might find useful or educational. As newer articles are published, the older articles are removed from display. Please check below for articles that are no longer being featured.
Understanding investment types, risk, returns and time horizons can help you formulate a well-balanced strategy.
Statistics show 70% of people over 65 will need long-term care in their lifetime. How will you pay for it?
Whether it is good debt or bad, keeping a handle on the amount of debt your family has can help your retirement plans.
As you add birthdays your retirement planning possibilities change.
Taking Social Security benefits can start anytime between age 62-70.
Five ways to prepare for retirement including reviewing your financial situation and determining your withdrawal strategy.
To calculate your federal estate tax, you must know the worth of your estate, both gross and taxable.
May is Disability Insurance Awareness Month. You can protect your future from the derailing effects of a disability.
Estate gifting takes two forms: lifetime transfers to individuals and charitable girts to organizations.
Two strategies for preserving your legacy for its intended recipients are the marital deduction and the unified credit.
Saving for your child's college: Our cost calculator, tax incentives and financial aid information can help.
Tips for financial documents: what to keep and what to shred that can help you save time and frustration.
Converting your term insurance to permanent coverage can help ensure that you're prepared for whatever life brings.
Ten facts about life insurance that will help answer questions and clear up any misconceptions you may have.
It's important to keep your beneficiary information updated; it can cut down on costly escrow or estate proceedings.
Long-term care provides many options when needed, including receiving care at home or in a qualified facility.
Don't let college tuition deplete your retirement fund. How to tap another source for university bills.
How much are you worth can go a long way to determining your financial planning.
Protect the value you provide your loved ones. Watch this video and use the Economic Life Value Calculator in the next section to see how.
Learn the difference between term and permanent life insurance and how both types can preserve all that you contribute to your family.
Family matters. Why should you strive to maximize your protection to help pay for their lifestyle into the future?
See how whole life insurance can positively impact your retirement income.
Learn how you can leverage the dollars you normally give to create a bigger gift to your favorite charity.
Life insurance can replace some or all of the income and other contributions you make to your family in the event you're no longer around. You can more accurately estimate how much life insurance you may need when you know your Economic Life Value. The calculator below shows three methods for approximating your Economic Life Value.
Note: Life insurance contracts are issued and underwritten by American United Life Insurance Company® (AUL).
Using your current income and age as well as the age when you expect to retire, this calculator will provide you with three different estimates of your Economic Life Value.
Enter your targeted retirement age.
Share these basic calculations with your financial professional who can include other economic factors and provide you with a more holistic financial picure. To discuss the economic life value you bring to your family in greater depth and identify potential gaps, contact your financial professional.
The asterisked (*) investment terms in this glossary satisfy the fee disclosure glossary requirement of federal pension law (ERISA regulation 404a-5) by helping plan participants and beneficiaries understand terminology related to designate investment alternatives offered under the plan.
Others terms in this glossary are provided to help plan participants and beneficiaries understand terminology used in fee disclosure documents and under the plan.
A fee charged by some mutual funds to cover promotion, distributions, marketing expenses and sometimes commissions to brokers. 12b-1 fee information is disclosed in a fund's prospectus, is included in the stated expense ratio.
The dollar value of a participant's account.
An annual charge for each participant account.
Taking existing money in your account and redistributing it to a new mix of investment options.
A device used to measure the value of a separate account investment option.
The trading of securities to take advantage of market opportunities as they occur, in contrast to passive management. Active managers rely on research, market forecasts and their own judgment and experience in selecting securities to buy and sell. A non-index fund is an example of an actively managed investment.
Transactions that cause an increase in an account balance.
A fee charged by vendors providing administrative services to the plan, including trustee, recordkeeping, legal, audit and actuarial services.
Any portion of a fee charged to your account that is credited back to your account by vendors providing administrative services to the plan, including trustee, recordkeeping, legal, audit and actuarial services.
The entire fee is charged to a plan sponsor in an amount separately agreed upon with a registered investment advisor or an investment advisor representative for services to the plan.
Invested, as directed, into an account.
An annual fee based on plan assets.
Represents the expenses the separate account or underlying mutual fund charges against the assets of the fund, including investment management fees, 12b-1 fees and other operating expenses. This expense is withdrawn through daily adjustments during the fund valuation process. Performance for the investment option is always shown net of this expense. The operating expense amount is determined by the investment option provider and is subject to change at any time. See Expense ratio and Fees and expenses.
Adjusting an income or return to an annual basis. Also called annualized return.
An investment strategy aiming to balance risk and reward by apportioning a portfolio's assets according to an individual's goals, risk tolerance and investment horizon.
A fee or expense added to an investment fund to pay for one or more services.
A charge equal to a percentage of your account's separate account investments.
A group of securities or investments having similar characteristics and behaving similarly in the marketplace. The three primary asset classes are equities (e.g., stocks), fixed income (e.g., bonds) and cash equivalents (e.g., money market funds).
The yearly average percentage increase or decrease in an investment's value that includes dividends, gains and changes in share price.
An average of all the credit quality positions for a fund's bond holdings.
A measure of a fund's interest-rate sensitivity — the longer a fund's duration, the more sensitive the fund is to shifts in interest rates. Duration is determined by a formula including coupon rates and bond maturities. Small coupons tend to increase duration, while shorter maturities and higher coupons shorten duration.
Average effective maturity is a weighted average of all the effective maturities of the bonds in a portfolio. Effective maturity takes into consideration mortgage prepayments, puts, calls, adjustable coupons, and other features of individual bonds and is thus a more accurate measure of interest-rate sensitivity.
A fund buying a combination of common stock, preferred stock, bonds, and short-term bonds, to provide both income and capital appreciation while avoiding excessive risk. The purpose of balanced funds (also sometimes called hybrid funds) is to provide investors with a single mutual fund combining both growth and income objectives, by investing in both stocks (for growth) and bonds (for income).
A basis point (bp) equals one hundredth of 1 percent. For example; 10 bp equals 0.10 percent.
The name and returns of an appropriate broad-based securities market index over 1-, 5-, and 10-year periods that are provided as a comparison to the performance data for a separate account investment option.
Bond/fixed income securities: Securities paying a fixed rate of interest or a fixed dividend. There are many different types of fixed income securities or bonds, including: corporate bonds or notes, mortgage-backed securities, asset-backed securities, convertible securities, government obligations, "junk" or below investment grade bonds, investment grade securities and foreign bond securities.
A mutual fund that primarily invests in bonds. Some bond funds specialize in a particular kind of bond (government, high quality, junk, etc.), while others will diversify across categories. Bond funds generally pay regular distributions, making them particularly appropriate for investors seeking current income.
A person who acts as an intermediary between the buyer and seller of a security, insurance product or mutual fund, often paid by commission.
An investment alternative available outside of the group annuity contract that allows investment of plan assets through a brokerage firm.
A fee assessed to any participant electing to invest a portion of his/her account with a brokerage firm.
An annual fee to a plan sponsor that elects to offer participants a brokerage window.
A one-time fee to a plan sponsor to establish the brokerage window option.
An investment fund seeking growth in share prices by investing primarily in stocks whose share prices are expected to rise.
The net long-term capital gain amount generated by a mutual fund from the sale of stocks or bonds, paid to shareholders on a per-share basis.
The loss in the value of an investment, calculated by the difference between the net purchase price and the net sale price.
The portion of a participant's account balance available to provide certain lump-sum payments.
Funds are classified based on portfolio practice rather than prospectus language. In summary, the process is to find a portfolio's three-year weighted allocation among large-, mid-, and small-cap stocks; assign a large-, multi-, mid- or small-cap designation; and compare all funds to their relevant Standard & Poor's 500 Index (using statistical methods) to determine style (growth, core or value).
A collective investment fund, or CIF, is a fund operated by a bank or trust company in accordance with the regulations issued by the Office of the Comptroller of the Currency (OCC) and comprised of a pooled group of assets of trusts or similar accounts. Collective investment funds operated by national banks or OCC trust companies are regularly examined for compliance by OCC staff as part of the institution's asset management examination. The ownership of a CIF is divided into units and can only be held by certain qualified investors, such as 401(k) plans.
An investment representing a share of ownership in a corporation.
A fund investing primarily in employer securities that may be unitized and may maintain a cash position for liquidity purposes.
Interest or earning on an investment's principal and reinvested earnings.
An investment approach accepting lower rewards in return for potentially lower risks.
The entire fee is paid to a plan sponsor in an amount separately agreed upon with a registered investment advisor or an investment advisor representative for services to the plan.
An annual fee to a plan sponsor that does not use the electronic census tool.
Your core line-up provides you with a variety of investments from which to choose, ranging in objective from capital preservation to growth. Each of the core investments consists primarily of one of the different building blocks, which are usually referred to as asset classes (equities, bonds and cash equivalents).
A bond issued by a corporation, rather than by a government. The credit risk for a corporate bond is based on the payment ability of the company that issued the bond.
A sudden, temporary decline in stock or bond prices following a period of increases. Corrections can be expected over a long-term investment horizon.
An entity receiving compensation for providing services to a plan.
A number identifying all stocks and registered bonds. CUSIP is the acronym for Committee on Uniform Securities Identification Procedures.
Stocks of companies whose earnings are tied to the business cycle. When economic and business conditions are good, a cyclical company prospers. When there is an economic downturn, the company suffers.
Transactions that cause a reduction in a participant's account balance.
A type of retirement plan in which the retired participant receives a specific amount based on salary and years of service.
The DOL is the agency charged with administering and enforcing the provisions of the Employee Retirement Income Security Act of 1974 (ERISA), which includes supervision over pension plans established under ERISA, as well as the parties involved in the establishment, management or administration of any such plan.
The investment options chosen by your plan into which participants can direct the investment of their plan accounts.
Money paid to a participant or beneficiary from the participant's account.
A fee for each lump-sum distribution paid.
Payment to mutual fund shareholders of income from interest or dividends generated by a fund's investments. In a retirement plan, these distributions are reinvested in more shares of the mutual fund that paid them.
Historical, indicative, and financial data that may be sent to the plan's successor service provider.
Provisions in a plan stating the requirements for an employee to participate in the plan.
Generally, economies in Africa, Asia, Eastern Europe, the Far East, Latin America and the Middle East which may be relatively undeveloped. May also be called developing markets. An emerging market fund invests primarily in emerging market countries.
Securities issued by an employer who has employees covered by a retirement plan that may be used as a plan investment option.
The Employee Retirement Income Security Act of 1974 is the federal law regulating pension plans, including defined benefit (DB) plans and defined contribution (DC) plans. Employers establishing pension plans under ERISA must meet certain minimum standards regarding the management and administration of the plan and its assets.
Types of securities representing ownership in a corporation. Stocks are equities.
Expense ratio is the annual operating expenses of the underlying mutual fund divided by the average net assets of the underlying mutual fund. The expense ratio is retained by the investment management company. Gross expense ratio is the unsubsidized annual operating expenses before any fee waivers or expense reimbursements. Net expense ratio is the subsidized annual operating expenses after fee waivers or expense reimbursements.
A federal agency insuring funds on deposit (currently up to $250,000) in member banks and thrift institutions.
Charges incurred by participants for various services, including investment advisory fees, plan administrative, legal, recordkeeping and distribution expenses. See Annual operating expense.
Redeemed shares that have been charged a redemption fee.
A person with the authority to make decisions regarding a plan's assets or important administrative matters. Fiduciaries are required to review decisions based solely on the best interests of plan participants.
A self-regulatory organization for all securities firms doing business in the United States operating under the supervision of the Securities and Exchange Commission (SEC). The organization's objectives are to protect investors and ensure market integrity.
A fee that Financial Soundings charges participants for use of their investment advice service.
The written record of the financial status of a mutual fund or company, usually published in the annual report. The financial statements generally include a balance sheet, income statement and other financial statements.
Investments that are fundamentally debt securities. Bonds are a fixed income investment.
An investment option under your group annuity contract supported by the general assets of the company where the fixed rate of interest is credited for a stated period.
An investment providing a specific rate of return to the investor.
Securities trading primarily in markets outside the United States representing equity ownership in a company.
Nonvested portions of terminated participants' accounts that are reallocated to the accounts of remaining eligible plan participants as provided by the plan.
An annual report filed with the Department of Labor that shows plan statistics including participants and assets. Copies of the plan's Form 5500 may be obtained on the Department of Labor's web site and from the Plan Administrator.
Shares for an investment not subject to a redemption fee.
A snapshot of an investment option showing past performance, investment objective and other basic information.
A mutual fund or other pooled investment investing primarily in other mutual funds or pooled investments rather than investing directly in individual securities, such as stocks, bonds or money market securities.
Gains consist of interest credited to amounts in the fixed interest account and in the stable value account and any increase in the value of amounts invested in your separate account. Losses consist of any decrease in the value of amounts invested in your separate account.
A fund investing primarily in securities anywhere in the world, including the United States.
Securities pursuing income by investing in a combination of Treasuries, agency securities and mortgage-backed securities.
A contract between an insurance company and a plan sponsor, a plan trustee or a custodian that defines the rights and responsibilities of the parties and the treatment of invested funds.
A mutual fund that holds stocks of companies the fund manager believes will have significantly better revenue and profit growth than the overall market. The growth style of investing is characterized by a view of a share of a company as a claim on the company's earnings. Growth investors attempt to find companies whose earnings growth will be greater than is reflected in their stock prices.
An investment option supported by the general assets of the insurance company where a fixed rate of interest is credited.
Investors who prefer to have an expert make investment decisions. Hands-off investors may lack the time or the desire to track and manage their own portfolios.
Investors who prefer to make their own investment decisions and are willing to take the time to actively track and manage their own portfolios.
A fee charged by the insurance company for hardship distribution processing.
Bond with a rating of BB or lower and pays higher yields to offset its greater risks.
The minimum period of time an investor must hold shares of a fund before selling them to avoid a redemption fee.
The date the fund manager began to buy securities and record investment performance.
A fund primarily seeking current income rather than capital appreciation.
A passively managed mutual fund trying to mirror the performance of a specific index, such as the Standard & Poor's 500 Index.
The possibility a bond or bond fund's market value will decrease due to rising interest rates. When interest rates (and bond yields) go up, bond prices usually go down and vice versa.
Within your account, this refers to moving assets from one investment option into another investment option.
Intermediate-term bond portfolios invest primarily in corporate and other investment grade U.S. fixed income issues and have durations of three-and-a-half to six years (or, if duration is unavailable, average effective maturities of four to 10 years). These portfolios are less sensitive to interest rates, and therefore less volatile, than portfolios having longer durations.
Mutual fund investing in stock and bonds of companies outside of the United States.
A federal statute enacted and amended by Congress. The IRC is supplemented by regulations issued by the IRS.
A branch of the U.S. Treasury Department responsible for administering the requirements of qualified pension plans and other retirement vehicles.
A one-time fee to install the plan on the insurance company's recordkeeping system.
Each distinct portfolio established within the insurance company's separate accounts.
A fee to a plan sponsor in an amount separately agreed upon with a registered investment advisor or an investment advisor representative for services, including models, to the plan.
The allocation of contributions into the investments available in the plan.
A bond rated BBB or higher; generally, investment grade corporate bonds are viewed to be lower risk than lower rated corporate bonds.
The goal an investment fund or investor seeks to achieve (e.g., growth or income).
A charge equal to the asset charge plus the expense ratio.
The portion of an investment's annual operating expense received by OneAmerica Retirement Services from non-proprietary fund managers and credited to an ERISA Reserve or participant's account.
The length of time until you retire.
A reference to either a large company stock or an investment fund investing in the stocks of large companies. This generally refers to the stock of companies with market capitalizations over $5 billion.
A fund investing primarily in large-cap stocks.
Stocks of companies with a large market capitalization.
The total number of shares subject to a redemption fee if redeemed.
A fund designed to provide varying degrees of longterm appreciation and capital preservation, based on an investor's age or target retirement date, through a mix of asset classes. The mix starts out with a higher risk-return position and gradually becomes less risky as the investor ages and/or nears retirement. Also known as a Target Date Fund or age-based fund.
A fund maintaining a predetermined risk level and generally uses words such as "conservative," "moderate" or "aggressive" in its name to indicate the fund's risk level. At the inception of the portfolio, a static allocation is established based on an expected risk/return profile. Because the value of assets can change given market conditions, the portfolio periodically needs to be re-adjusted to meet the allocation policy. Used interchangeably with target risk fund or risk-based fund.
Mutual funds that charge a commission when shares are bought or sold.
A quarterly fee charged to a participant account for each outstanding plan loan.
An annual fee charged to a participant account for each outstanding plan loan.
Long-term bond portfolios invest primarily in corporate and other investment grade U.S. fixed income issues and have durations of more than six years (or, if duration is unavailable, average effective maturities greater than 10 years).
A fee or charge paid to an investment manager for its services. A fund's management fee is included in the total annual operating expenses.
A fee charged by the plan's investment advisor for overseeing the operation of the plan's managed portfolios. This fee is in the Managed Portfolio Fee box of the Fee Summary on your quarterly statement.
The number of years the current manager has been the portfolio manager for the investment product. For products with more than one manager, the tenure of the manager who has been with the product the longest is shown. If there is only one manager who has been with the product for less than six months (and for whom we have biographical information available), a dash will appear.
A measure of a company's value determined by multiplying its share price by its outstanding shares.
The possibility the value of an investment will fall because of a general decline in the financial markets.
The MVA is a percentage of amounts withdrawn from the fixed interest account at contract termination or to provide certain participant benefits. The percentage is determined by comparing interest rates earned at the time of withdrawal on amounts withdrawn to the interest rate applicable at the time to new deposits to the fixed interest account. The resulting amount may be added to, or subtracted from, the amount withdrawn.
Date the principal amount of a debt instrument, such as a bond, becomes due and payable.
A fee paid quarterly by plan sponsors that elect Mesirow 3(38) third-party investment assistance for the plan.
A reference to either a medium-sized company stock or an investment fund that invests in the stocks of medium-sized companies, with market capitalizations generally ranging between $2 billion and $5 billion.
A fund investing primarily in mid-cap stocks.
Stocks of companies with a medium market capitalization.
A fee charged to a plan sponsor if contributions within a plan year are less than the minimum underwriting guidelines.
An annual fee billed to the plan sponsor electing My OneCheck Online, an online tool that provides education and assistance to participants in selecting investments that meet their financial needs for retirement planning. The assistance includes deferral changes, investment election changes and one-time rebalance activity.
The National Association of Securities Dealers Automated Quotation, also called the "electronic stock market." The NASDAQ composite index measures the performance of more than 5,000 U.S. and non-U.S. companies traded "over-the-counter" through NASDAQ.
A measure of more than 3,000 companies traded on the NASDAQ over-the-counter exchange. Many are technology and Internet related, although financial, consumer and industrial companies are represented as well. The NASDAQ is weighted by market capitalization, which means larger companies have more of an impact than smaller ones when determining the overall movement of the index.
A mutual fund's share value, calculated by subtracting total liabilities from total assets to determine the fund's net worth. The NAV is typically calculated once each business day, at the close.
Stocks of companies whose earnings are normally not tied to the business cycle.
A percentage of the assets in separate account investment options at month-end paid to the plan's third-party administrator.
The process or approach to operating or managing a fund in a passive or non-active manner, typically with the goal of mirroring an index. These funds are often referred to as index funds and differ from investment funds that are actively managed. An index fund is an example of a passively managed investment.
The payroll date that coincides with each contribution to a participant's account.
A method of assessing fees where a flat fee is charged to all participants regardless of their plan balances. For example, all accounts are charged $15 per quarter for recordkeeping services. In addition, fees directly traceable to a participant are normally charged per capita (for example, distribution fees).
A fee paid for each participant account at the end of a quarter.
The aggregate assets, expressed as a percentage, of the fund's top-10 portfolio holdings. This figure is meant to be a measure of portfolio risk. Specifically, the higher the percentage, the more concentrated the fund is in a few companies or issues, and the more the fund is susceptible to the market fluctuations in these few holdings. The figure is calculated from the most recent available fund holdings.
A series of payments from the retirement account made over a certain term of years.
A program maintained by a plan sponsor to accumulate funds for retirement.
The individual, group or corporation named in the plan document as responsible for day-to-day operations. The plan sponsor is generally the plan administrator, if no other entity is named.
An expense for plan administrative or other plan services provided that can be paid from plan assets/participant accounts at the direction of the plan sponsor.
An employer or other entity that establishes and maintains your plan.
A quarterly fee charged to plan sponsors for use of Mesirow 3(21) third-party investment advice for the plan.
A collection of investments owned by an individual or organization.
The individual or firm that makes the investment decisions for an investment fund, including picking the individual investments.
The P/B ratio of a company relates the per-share market price of the company's stock to its per-share book value, the historical accounting value of the company's tangible assets. This figure may not always represent the real value of a company because it excludes such intangible assets as patents and trademarks.
The P/E ratio relates the price of the stock to the per-share earnings of the company.
A method of assessing fees where fees are charged to participants in proportion to their plan balances.
A fee charged to each participant account in an amount separately agreed upon by the participant with ProNvest for its services to the participant.
A document describing the financial details about a new issue and is required to be distributed to all investors prior to or at the time of the initial investment.
Qualified Domestic Relations Order requiring establishment of a participant account for the spouse.
A QDRO is a judgment or decree issued pursuant to State domestic relations or community property laws (usually as a result of a divorce) that meets certain standards and assigns all or a part of a Participant's benefit in the Plan to an Alternate Payee. A QDRO requires the establishment of a participant account for the spouse.
The increase in the value of an investment, expressed as a percentage.
The fee paid to a service provider for maintaining participant accounts, performing required testing, and providing required reports. This fee is in the Recordkeeping Fee box of the Fee Summary on your quarterly statement.
Selling mutual fund shares back to the fund. Redemption can also be used to mean the repayment of a bond on or before the agreed-upon pay-off date.
A fee assessed by an investment management company if shares of a particular mutual fund are purchased and sold within the minimum holding period determined by the investment management company. This fee is applied against the participant's account.
The percentage charge on liable shares that are redeemed. The percentage charge is determined by the fund company and is listed in a fund's prospectus.
A fee charged to a plan sponsor in an amount separately agreed upon with a registered investment advisor or an investment advisor representative for services to the plan.
The portion of the mutual fund expense ratio that is paid to the insurance company.
An investor's ability or willingness to endure declines in the prices of investments while waiting for them to increase in value. An individual investor must determine what their tolerance for risk is before selecting an appropriate asset allocation. The program uses a 1 to 100 scale of risk tolerance with 1 being the most conservative to measure your risk tolerance. You may use the Risk Advisor tool to help you assign your risk level or you may select your own risk level.
A term commonly used to reference the buying and selling of the same security within a specific period of time.
A policy limiting the number of times an investor can exchange into and out of a fund within a given time frame. This is intended to discourage frequent trading that increases the costs to all the fund's investors.
A group of indexes widely used to benchmark investment performance. The most common Russell index is the Russell 2000 Index, an index of small-cap stocks, which measures the performance of the 2,000 smallest companies in the Russell 3000 Index.
A benchmark for mutual funds that invest in small-cap companies, representing 2,000 small companies.
The compensation payable to a sales producer for selling and servicing a group annuity contract.
A fund investing in a particular or specialized segment of the marketplace, such as stocks of companies in the software, health care or real estate industries.
A government agency created by Congress in 1934 to regulate the securities industry and to help protect investors. The SEC is responsible for ensuring securities' markets operate fairly and honestly.
A general term for stocks, bonds, mutual funds and other investments.
A separate account is a pool of assets that is segregated from an insurance company's general account to provide participants the opportunity to experience the investment results of the underlying assets, generally mutual funds. The assets of the separate account are protected from the insurance company's creditors. Contributions by an employer or a participant to a variable contract are applied to purchase accumulation units of an investment account within the appropriate separate account. The separate account in turn purchases shares of a corresponding underlying mutual fund, mutual fund portfolio or other entity in which the separate account invests. The value of the separate account units is correlated with the performance of the underlying investment (net of fees). Due to the fluctuation in value of the assets underlying the separate account, the value of the units credited to the contractholder or the participant in the variable investment accounts of the separate account will also fluctuate, so that units may be worth more or less than the original cost when redeemed. Participants are credited with accumulation units of the separate account, not with shares of the underlying mutual fund, mutual fund portfolio or other entity.
Some mutual funds and companies offer more than one type or group of shares, each of which is considered a class (e.g., "Class A," "Advisor" or "Institutional" shares). For mutual funds, each class has different fees and expenses, but all the classes invest in the same pool of securities and have the same investment objectives.
Short-term bond portfolios invest primarily in corporate and other investment grade U.S. fixed income issues and have durations of one to three and a half years (or, if duration is unavailable, average effective maturities of one to four years).
An investment fund investing in money market instruments of high quality and low risk. STIFs may hold cash, bank notes, corporate notes, Treasury bills, various short-term debt instruments or any combination thereof.
A reference to either a small company stock or an investment fund that invests in the stocks of small companies. With market capitalizations of less than $2 billion, companies in this category often are new companies with short histories.
A fund investing primarily in small-cap stocks.
Stocks of companies with a smaller-market capitalization.
An investment option supported by the general assets of the insurance company where a fixed rate of interest is credited for a stated period.
A popular gauge of stock market performance computed by Standard & Poor's Corporation. The index is based on the price movement of a select group of 500 leading stocks of the New York Stock Exchange.
A supplement to the prospectus that contains detailed information about various fund policies; officers, directors and others who manage the fund; investment services; brokerage commissions and tax issues. It is available online or upon request from the fund.
A mutual fund holding primarily or exclusively stocks. Many stock funds are designed to meet certain financial objectives, such as capital growth and dividend income. Some funds specialize in a category of stocks, such as large cap or international companies.
An investment advisor or investment manager who is appointed by another advisor or manager to help manage a portion of a client's assets.
A short-form prospectus mutual funds may use with investors if they make the long-form prospectus and additional information available online or in paper, upon request.
A fund designed to provide varying degrees of long-term appreciation and capital preservation, based on an investor's age or target retirement date, through a mix of asset classes. The mix changes over time to become less focused on growth and more focused on income. Also known as a lifecycle fund.
A fund maintaining a predetermined asset mix and generally uses words such as "conservative," "moderate" or "aggressive" in its name to indicate the fund's risk level. Often used interchangeably with lifestyle fund.
Historical and indicative data that may be sent to a plan's successor service provider.
An expense for plan administrative, legal, accounting, or other services provided by service providers other than the insurance company that can be paid from plan assets/participant accounts at the direction of the plan sponsor.
The amount of time an investor expects to hold an investment before taking money out.
A measure of what it costs to operate an investment, expressed as a percentage of its assets, as a dollar amount, or in basis points. These are costs the investor pays through a reduction in the investment's rate of return.
Indicates how well a fund has performed over a stated period. Total return takes into account changes in net asset value, dividend and capital gains distributions. The calculation assumes the reinvestment of dividends and capital gains distributions.
A fee charged to a plan sponsor in an amount separately agreed upon with a third-party administrator.
A restriction imposed by the fund manager which may limit your ability to trade in the fund.
The date on which a transaction occurs.
Short-term debt obligation issued by the U.S. Treasury.
A person or entity (e.g., bank, trust company or other organization) responsible for the safekeeping of trust assets. A trustee that is a "directed trustee" is responsible for the safekeeping of trust assets, but has no decision making authority over the assets.
The percentage of a portfolio's asset value that is bought or sold annually. Turnover represents the number of times portfolio assets are replaced. The higher the percentage, the more the manager has traded.
The dollar value of an accumulation unit of a separate account investment option.
The day on which the dollar value of the Collective Investment Fund's (CIF) assets and unit values is determined.
Value funds concentrate on stocks of companies the fund manager believes to be currently undervalued in the markets. The value style of investing is characterized by a view of a share of a company as a claim on the company's assets. Value investors attempt to find companies whose net asset value is greater than is reflected in their stock prices.
A monthly amount credited to a participant's account determined by multiplying a percentage by that participant's month-end separate account assets.
Investments for which the return is not fixed. This term includes stock and bond funds, as well as investments seeking to preserve principal, but do not guarantee a particular return (e.g., money market funds and stable value funds).
The process by which a participant acquires a non-forfeitable right to his/her account balance under the terms of a retirement plan.
The amount and frequency of fluctuations in the price of a security, commodity or a market within a specified time period. Generally, an investment with high volatility is said to have higher risk, since there is an increased chance the price of the security will have fallen when an investor wants to sell.
An average interest rate that takes into consideration each interest rate being credited in a participant's account and the corresponding balance to which it is being credited.
A percentage of the account balance that may be charged. The percentage may vary according to the terms of the group annuity contract. (May not apply to all withdrawals).
The portion of a participant's account balance that is available to provide certain lump-sum payments.
A fee or expense added to an investment fund to pay for one or more bundled services, such as investment advice, investment research and brokerage services.
The income return on an investment, expressed as a percentage of the price.
In June 2017, the U.S. Department of Labor (DOL) implemented its Conflict of Interest Rule, commonly known as the fiduciary rule. In compliance with the rule, OneAmerica is prepared to disclose potential conflicts of interest.
According to the DOL, a "Material Conflict of Interest" exists when "an Adviser or Financial Institution has a financial interest that a reasonable person would conclude could affect the exercise of its best judgment as a fiduciary in rendering advice to a Retirement Investor." In other words, if your financial professional has a financial interest that you, as a reasonable person, believe could affect his or her best judgment in making recommendations to you, it's a conflict of interest.
The companies of OneAmerica recognize that certain Material Conflicts of Interest exist, and we have policies, procedures and oversight in place designed to manage them effectively. In addition, we expect all financial professionals to maintain the highest standards of ethical behavior in dealing with our customers.
Your financial professional has a conflict of interest in recommending a rollover of assets from your employer's plan or another IRA to an IRA sponsored by the companies of OneAmerica or our affiliates. Your financial professional also has a conflict in recommending the investment of your plan or IRA assets in our fixed-rate, indexed or variable annuity contract. The conflict arises because your financial professional would likely earn no compensation if you were to leave your assets in your employer's plan or another IRA not affiliated with us, or if you were to decline to purchase a fixed-rate, indexed or variable annuity contract from us.
Your financial professional has a conflict of interest in recommending the purchase of a fixed- rate, indexed or variable annuity contract to you instead of a competing, non-insurance product. This is because the insurance commissions we pay to your financial professional may be more or in a different form than the compensation your financial professional could earn in connection with the recommendation of general securities or other non-insurance products.
In addition, the companies of OneAmerica have a financial interest in financial professionals recommending our fixed-rate, indexed or variable annuity contracts because we generally earn more revenue from the sale of our own proprietary products, as compared to products issued by third parties.
At his or her discretion, your financial professional may recommend different products and take different action, which may result in more, less or different types of compensation for any other client account than the products recommended, action taken or compensation earned for your account.
Your financial professional may have a conflict of interest in recommending our fixed-rate, indexed or variable annuity products because he or she may be eligible for additional benefits from OneAmerica based on the type of producer contract he or she has signed with us. One such contract is a Career Agent Contract, which has minimum production levels that your financial professional must meet in order to be eligible for benefits.
Under the terms of our Career Agent Contract, your financial professional may be eligible for 401(k) plan contributions, a Federal Insurance Contributions Act (FICA) tax match for income earned from selling our products, and a health insurance subsidy.
Your financial professional may have a conflict of interest in recommending our products because we may offer awards and recognition based on how many of our products he or she sells during a specific time period. The awards and recognition are of reasonable value and may consist of monetary gifts, plaques, mementos, apparel, meals, entertainment, travel and accommodations.
Your financial professional may have a conflict of interest in recommending our products because we may offer financial incentives based on how many of our products he or she sells during a specific time period. Any compensation earned as a bonus is paid in addition to commissions earned on the individual sales.
Your financial professional may have a conflict of interest in recommending our products because we may offer eligibility to participate in business conferences sponsored by us based on how many of our products he or she sells during a specific time period. Some conferences may be for educational purposes. Any participation by your financial professional in our conference program is voluntary.
Your financial professional may have a conflict of interest in recommending our products because we may offer other incentives, including but not limited to: participation in profit sharing or bonus programs, gifts, plaques, mementos, apparel, meals, entertainment, travel and accommodations to insurance-company-sponsored conferences or events.
Your financial professional may have other conflicts of interest in recommending our products that are unrelated to his or her affiliation with the companies of OneAmerica.
For more information about the rule and how it may impact your relationship with OneAmerica, please visit the Department of Labor's website or contact us at fiduciary@oneamerica.com.
NOTES: OneAmerica® is the marketing name for the companies of OneAmerica.


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SCHEDULE 7MODIFICATIONS OF ENACTMENTS
The Libel Act 1792 (c.60)
1The Libel Act 1792 is repealed.
The Criminal Libel Act 1819 (c.8)
2The Criminal Libel Act 1819 is repealed.
The False Oaths (Scotland) Act 1933 (c.20)
3The False Oaths (Scotland) Act 1933 is repealed.
The Public Records (Scotland) Act 1937 (c.43)
4In section 14 of the Public Records (Scotland) Act 1937 (interpretation)—
(a)for the definition of "court records" substitute—
""court records" includes (in addition to records of the ordinary courts) records of the Scottish Land Court;", and
(b)for subsection (2) substitute—
"(2)Any question as to whether or not a document is part of the records of a particular court is to be determined—
(a)in the case of the High Court, by the Lord Justice General,
(b)in any other case, by the Lord President.".
The Law Officers Act 1944 (c.25)
5In section 2(3) of the Law Officers Act 1944 (Lord Advocate and Solicitor General for Scotland), for the words from "three" to the end substitute "287 of the Criminal Procedure (Scotland) Act 1995 (c.46)".
The Defamation Act 1952 (c.66)
6In the Defamation Act 1952, section 17(2) is repealed.
The Rehabilitation of Offenders Act 1974 (c.53)
7The Rehabilitation of Offenders Act 1974 is amended as follows.
8In section 1 (rehabilitated persons and spent convictions), in subsection (4)(b), after "insanity" insert "or, as the case may be, a finding that a person is not criminally responsible under section 51A of the Criminal Procedure (Scotland) Act 1995 (c.46)".
9In section 6(6)(bb) (convictions in service disciplinary proceedings), for "the Schedule" substitute "Schedule 1".
10The Schedule (service disciplinary proceedings) is renumbered as Schedule 1.
The Evidence (Proceedings in Other Jurisdictions) Act 1975 (c.34)
11In Schedule 1 to the Evidence (Proceedings in Other Jurisdictions) Act 1975 (consequential amendments), the paragraph relating to the False Oaths (Scotland) Act 1933 is repealed.
The 1982 Act
12The 1982 Act is amended as follows.
13In section 52 (indecent photographs etc. of children), subsection (7) is repealed.
14In section 64 (appeals against orders in relation to public processions), in subsection (6), for "paragraph (a)(ii)" substitute "paragraph (a)(i)".
The Incest and Related Offences (Scotland) Act 1986 (c.36)
15The Incest and Related Offences (Scotland) Act 1986 is repealed.
The Legal Aid (Scotland) Act 1986 (c.47)
16In section 22 of the Legal Aid (Scotland) Act 1986 (automatic availability of criminal legal aid), in subsection (1)—
(a)in paragraph (da), for "he is insane so that his trial cannot proceed or continue;" substitute "the accused is unfit for trial under section 53F of the Criminal Procedure (Scotland) Act 1995;", and
(b)in paragraph (dc), for "in case involving insanity" substitute "where accused found not criminally responsible or unfit for trial".
The Criminal Justice (Scotland) Act 1987 (c.41)
17In the Criminal Justice (Scotland) Act 1987, sections 51 to 54 (investigation of serious or complex fraud) are repealed.
The Criminal Justice Act 1988 (c.33)
18In the Criminal Justice Act 1988, in Schedule 15 (minor and consequential amendments), paragraphs 89, 111 and 117 are repealed.
The Trade Union and Labour Relations (Consolidation) Act 1992 (c.52)
19In section 243(4)(b) of the Trade Union and Labour Relations (Consolidation) Act 1992 (restriction of offence of conspiracy: Scotland), the words "or sedition" are repealed.
The Criminal Justice and Public Order Act 1994 (c.33)
20In the Criminal Justice and Public Order Act 1994, in section 164 (extension of powers of Serious Fraud Office and of powers to investigate serious fraud in Scotland), subsections (3) and (4) are repealed.
The Criminal Law (Consolidation) (Scotland) Act 1995 (c.39)
21The Criminal Law (Consolidation) (Scotland) Act 1995 is amended as follows.
22Section 16 (powers of search) is repealed.
23In section 23 (interpretation of Part 2), in the definition of "period of a designated sporting event", for "in" substitute "it".
The Criminal Procedure (Consequential Provisions) (Scotland) Act 1995 (c.40)
24In Schedule 4 to the Criminal Procedure (Consequential Provisions) (Scotland) Act 1995 (minor and consequential amendments), in paragraph 44, sub-paragraph (2) is repealed.
26After section 5 insert—
"5ASigning of warrants etc. outwith sheriff's jurisdiction
The competence of a sheriff to sign any warrant, judgment, interlocutor or other document relating to any proceedings within the sheriff's jurisdiction extends to competence to do so at any other place in Scotland.".
27In section 10A (jurisdiction for transferred cases)—
(a)after subsection (1) insert—
"(1A)The jurisdiction of a JP court includes jurisdiction for any cases which come before it by virtue of section 137CA, 137CB or 137CC of this Act.",
(i)the word "and" immediately following paragraph (a) is repealed,
(ii)after paragraph (a) insert—
"(aa)power to prosecute in any cases which come before a JP court of that district by virtue of a provision mentioned in subsection (1A) above;", and
(iii)in paragraph (b), for "criminal proceedings which otherwise come before that sheriff" substitute "the other cases which come before that sheriff when exercising criminal jurisdiction or (as the case may be) before that JP court", and
(c)for subsection (3) substitute—
"(3)This section is without prejudice to sections 4 to 10 of this Act.".
28In section 11 (certain offences committed outside Scotland)—
(a)in subsection (3), for "proceeded against, indicted" substitute "prosecuted", and
(b)in subsection (4), for "dealt with, indicted" substitute "prosecuted".
29In section 17A (right of person accused of sexual offence to be told about restriction on conduct of defence: arrest), in subsection (1)—
(a)for paragraphs (za) and (a) substitute—
"(a)that his case at, or for the purposes of, any relevant hearing (within the meaning of section 288C(1A)) in the course of the proceedings may be conducted only by a lawyer,", and
(b)in paragraph (c), for the words from "preliminary" to "trial" substitute "hearing".
30In section 18(8)(c) (power to take prints etc. under authority of a warrant unaffected by section), for "prints, impressions" substitute "relevant physical data".
31In section 19(1)(b) (samples etc. taken from person convicted of offence), the words "impression or", in both places where they occur, are repealed.
32In section 19A (samples etc. from persons convicted of sexual and violent offences), in subsection (6), in paragraph (a) of the definition of "conviction", for the words from ", by" to the end substitute "by reason of the special defence set out in section 51A of this Act;".
33Section 20 (use of prints, samples, etc.) is repealed.
34In section 22 (liberation by police), subsections (1H), (2), (4), (4A) and (5) are repealed.
35In section 23A (bail and liberation where person already in custody)—
(a)in each of subsections (1) and (4), for "23 or 65(8C)" substitute "23, 65(8C) or 107A(7)(b)", and
(b)in subsection (3), for "22A(3) or 23(7)" substitute "22A(3), 23(7) or 107A(7)(b)".
36In section 35 (judicial examination), in subsection (4A)—
37In section 55(4) (acquittal at examination of facts)—
(a)for the words from "insane" to "omission" substitute "not, because of section 51A of this Act, criminally responsible for the conduct", and
(b)for "on the ground of such insanity" substitute "by reason of the special defence set out in that section".
38The title of section 57 (disposal of case where accused found to be insane) is amended by substituting "not criminally responsible or unfit for trial" for "to be insane" and the cross-heading which precedes it is amended by substituting "where accused found not criminally responsible" for "in case of insanity".
39In section 57 (disposal of case where accused found to be insane), in subsection (1)(a), for the words from ", by" to "omission" substitute "acquitted by reason of the special defence set out in section 51A of this Act".
40In section 60C(7) (disapplication of provision where person acquitted on ground of insanity)—
(a)after "apply" insert "in a case where the person is acquitted by reason of the special defence set out in section 51A of this Act.", and
(b)paragraphs (a) and (b) are repealed.
41In section 61 (requirements as to medical evidence)—
(a)in subsection (1), the words "under section 54(1)(a) of this Act or" are repealed,
(b)in subsection (3), the words "or 54(1)(a)" are repealed, and
(c)in subsection (5), for "the said section 54(1)" substitute "section 54(1)(c) of this Act".
42The title of section 62 (appeal by accused in case involving insanity) is amended by substituting "not criminally responsible or unfit for trial" for "in case involving insanity" and the section is amended as follows—
(a)in subsection (1)(a), for "insane" substitute "unfit for trial", and
(b)in subsection (2)(b)(iii), for the words from "virtue" to "omission" substitute "reason of the special defence set out in section 51A of this Act".
43The title of section 63 (appeal by prosecutor in case involving insanity) is amended by substituting "where accused found not criminally responsible or unfit for trial" for "in case involving insanity" and subsection (1) of that section is amended as follows—
(a)in paragraph (a), for "insane" substitute "unfit for trial",
(b)for paragraph (b) substitute—
"(b)an acquittal by reason of the special defence set out in section 51A of this Act;", and
(c)in paragraph (c), for the words from "on" to "omission" substitute "by reason of the special defence set out in section 51A of this Act".
44In section 66 (service and lodging of indictment etc.), in subsection (6A)(a)—
(a)for sub-paragraphs (zi) and (i) substitute—
"(i)that his case at, or for the purposes of, any relevant hearing (within the meaning of section 288C(1A)) in the course of the proceedings (including at any commissioner proceedings) may be conducted only by a lawyer,", and
(b)in sub-paragraph (iii), for the words from "preliminary" to "trial" substitute "hearing".
45In section 71 (first diet)—
(a)in subsection (A1), for the words "his defence at the trial" substitute "the conduct of his case at any relevant hearing in the course of the proceedings",
(b)in subsection (B1)(c), for the words "before the trial diet" substitute "in relation to any hearing in the course of the proceedings",
(c)in subsection (1A)(a), for "the trial" substitute "any hearing in the course of the proceedings",
(d)in subsection (1B)(a), for "the trial" substitute "any hearing in the course of the proceedings",
(e)in subsection (5A)(b), for the words "his defence at the trial" substitute "the conduct of his case at any relevant hearing in the course of the proceedings", and
(f)after subsection (7), insert—
"(7A)In subsections (A1) and (5A)(b), "relevant hearing" means—
(a)in relation to proceedings mentioned in paragraph (a) of subsection (B1), any hearing at, or for the purposes of, which a witness is to give evidence,
(b)in relation to proceedings mentioned in paragraph (b) of that subsection, a hearing referred to in section 288E(2A),
(c)in relation to proceedings mentioned in paragraph (c) of that subsection, a hearing in respect of which an order is made under section 288F.".
46In section 78(2) (which attracts the procedure for notifying special defences in relation to certain other defences), after "apply" insert "to a plea of diminished responsibility or".
47In section 79 (preliminary pleas and preliminary issues), in subsection (2)(b)(ii), after "under section" insert "22ZB(3)(b),".
48In section 85 (juries: citation and attendance of jurors), in subsection (6), after "section 1" insert "or 1A".
49In section 90D (review of orders under section 90B(1)(a) or (b)), in subsection (3)(b), for "any other any" substitute "any other".
50In section 102A (failure of accused to appear), for paragraph (b) of subsection (4) substitute—
"(b)section 27(7) of this Act,".
51In section 118(5) (disposal of appeal from solemn proceedings where High Court considers appellant to have been insane)—
(a)for "insane when he did so" substitute "not, because of section 51A of this Act, criminally responsible for it", and
(b)for "on the ground of insanity" substitute "by reason of the special defence set out in section 51A of this Act".
52In section 136A (time limits for transferred and related cases), in subsection (1)—
(a)in paragraph (a)(i), for "in pursuance of section 137A(1)" substitute "under section 137A or 137CA", and
(b)in paragraph (a)(ii), for "in pursuance of section 137B(1), (1A) or (1C)" substitute "under 137B or 137CB".
53In section 137B (transfer of sheriff court summary proceedings outwith sheriffdom), in subsection (4), for "a sheriff who has made an order under subsection (2A) above" substitute "the sheriff who has made an order under subsection (2A) above (or another sheriff of the same sheriffdom)".
54In section 140 (citation), in subsection (2A)—
(a)for paragraph (a) substitute—
"(a)that his case at, or for the purposes of, any relevant hearing (within the meaning of section 288C(1A)) in the course of the proceedings (including at any commissioner proceedings) may be conducted only by a lawyer,", and
(b)in paragraph (c), for the words "his defence at the trial" substitute "the conduct of his case at, or for the purposes of, the hearing".
55In section 144 (procedure at first diet), in subsection (3A)—
56In section 146 (plea of not guilty), in subsection (3A)—
57The title of section 190 (disposal of appeal where appellant insane) is amended by substituting "not criminally responsible" for "insane".
58In section 190—
(a)in subsection (1), for "insane when he did so" substitute "not, because of section 51A of this Act, criminally responsible for it", and
59In section 247 (effect of probation and absolute discharge)—
(a)in subsection (1), for the words from "placing" to "him" substitute "discharging the offender",
(b)in subsection (2), the words "placed on probation or" are repealed, and
(c)subsection (6) is repealed.
60In section 254 (search warrant for forfeited articles)–
(a)the existing provision becomes subsection (1), and
(b)after that subsection insert—
"(2)In subsection (1), "article" includes animal.".
61In section 258 (uncontroversial evidence), after subsection (4A) insert—
"(4AA)Where in summary proceedings the relevant diet for the purposes of subsection (4A) above is an intermediate diet, an application under that subsection may be made at (or at any time before) that diet.".
62In section 307 (interpretation), in subsection (1), after the definition of "treatment order", insert—
""unfit for trial" has the meaning given by section 53F of this Act;".
The Offensive Weapons Act 1996 (c.26)
63In the Offensive Weapons Act 1996, section 5 is repealed.
64In the Defamation Act 1996, section 20(2) is repealed.
The Crime and Punishment (Scotland) Act 1997 (c.48)
65The Crime and Punishment (Scotland) Act 1997 is amended as follows.
66In section 9 (power to specify hospital unit), in subsection (1)(a), for "insane" substitute "found not criminally responsible or unfit for trial".
67In section 13 (increase in sentences available to sheriff and district courts), subsection (2) is repealed.
68In section 56 (powers of the court on remand or committal of children and young persons), subsection (3) is repealed.
The Terrorism Act 2000 (c.11)
69In paragraph 30 of Part II of Schedule 5 to the Terrorism Act 2000 (explanations), in sub-paragraph (3)(a), for "section 2 of the False Oaths (Scotland) Act 1933" substitute "section 44(2) of the Criminal Law (Consolidation) (Scotland) Act 1995 (c.39)".
The Protection of Children (Scotland) Act 2003 (asp 5)
70In section 10 of the Protection of Children (Scotland) Act 2003 (referral of individuals acquitted of offence against a child on ground of insanity), in subsection (11)(a)—
(a)in sub-paragraph (i), for "on the ground of insanity" substitute "by reason of the special defence set out in section 51A of the Criminal Procedure (Scotland) Act 1995 (c.46)", and
(b)in sub-paragraph (ii), for "the Criminal Procedure (Scotland) Act 1995 (c.46)" substitute "that Act".
The Criminal Justice (Scotland) Act 2003 (asp 7)
71In section 3 of the Criminal Justice (Scotland) Act 2003 (the Risk Management Authority), in paragraph (b) of subsection (2), for "to be insane" substitute "not criminally responsible or unfit for trial".
The Legal Deposit Libraries Act 2003 (c.28)
72Section 10 of the Legal Deposit Libraries Act 2003 (exemption from liability: activities in relation to publications) is amended as follows—
(a)in subsection (1), the words ", or subject to any criminal liability," are repealed,
(b)in subsection (2)(a), the words "in the case of liability in damages" are repealed,
(c)in subsection (3), the words ", or subject to any criminal liability," are repealed,
(d)in subsection (4)(a), the words "in the case of liability in damages" are repealed,
(e)in subsection (6)(a), the words ", or subject to any criminal liability," are repealed, and
(f)in subsection (8), the words "and criminal liability" are repealed.
The Sexual Offences Act 2003 (c.42)
73In section 135 of the Sexual Offences Act 2003 (interpretation: mentally disordered persons), after subsection (2) insert—
"(2A)In the application of this Part in relation to Scotland, a reference to a person being found not guilty of an offence by reason of insanity is to be read as a reference to a person being acquitted of an offence by reason of the special defence set out in section 51A of the Criminal Procedure (Scotland) Act 1995.".
The Criminal Procedure (Amendment) (Scotland) Act 2004 (asp 5)
74In the Criminal Procedure (Amendment) (Scotland) Act 2004 the following provisions are repealed—
(a)in section 4 (prohibition on accused conducting case in person in certain cases), subsection (4),
(b)section 17 (bail conditions: remote monitoring of restrictions on movements), and
(c)in the schedule (further modifications of the 1995 Act), paragraph 55.
The Protection of Children and Prevention of Sexual Offences (Scotland) Act 2005 (asp 9)
75In section 8 of the Protection of Children and Prevention of Sexual Offences (Scotland) Act 2005 (effect of conviction etc. under section 7 above or section 128 of Sexual Offences Act 2003)—
(i)the word "or" immediately following paragraph (c) is repealed, and
(ii)after paragraph (c) insert—
"(ca)is acquitted by reason of the special defence set out in section 51A of the Criminal Procedure (Scotland) Act 1995 (c.46), or", and
(i)in paragraph (a), for "(1)(a), (c) or (d)" substitute "(1)(a) or (c) to (d)", and
(ii)in paragraph (c), for "(1)(a), (c) or (d)" substitute "(1)(a) or (c) to (d)".
The Management of Offenders etc. (Scotland) Act 2005 (asp 14)
76In section 10 of the Management of Offenders etc. (Scotland) Act 2005 (arrangements for assessing and managing risks posed by certain offenders)—
(i)in paragraph (c)(i), for "on the ground of insanity" substitute "by reason of the special defence set out in section 51A of that Act of 1995", and
(ii)in paragraph (d), for the words from "section 54(1)" to the end substitute "section 53F of that Act of 1995 (unfitness for trial) to be unfit for trial;", and
(b)in subsection (11)(a), for "to be insane" substitute "not criminally responsible or unfit for trial".
The Serious Organised Crime and Police Act 2005 (c.15)
77In section 65 of the Serious Organised Crime and Police Act 2005 (restrictions on the use of statements), in subsection (2)(c), for "section 2 of the False Oaths (Scotland) Act 1933 (c.20)" substitute "section 44(2) of the Criminal Law (Consolidation) (Scotland) Act 1995 (c.39)".
The Criminal Proceedings etc. (Reform) (Scotland) Act 2007 (asp 6)
78The Criminal Proceedings etc. (Reform) (Scotland) Act 2007 is amended as follows.
79In section 7 (liberation on undertaking), in subsection (2), paragraphs (c), (e), (f) and (g) are repealed.
80In section 74 (appointment of stipendiary magistrates), subsection (6) is repealed.
81After section 74 insert—
"74AExercise of functions by stipendiary magistrates
(1)A stipendiary magistrate may, by reason of holding that office—
(a)exercise the same judicial and signing functions as are exercisable by a JP,
(b)do so in the same manner as a JP (including by using the title of office of JP).
(2)For the purpose of subsection (1)—
(a)the acts of a stipendiary magistrate are valid as if the magistrate were a JP,
(b)it does not matter if an enactment from which a JP derives authority to act in a specific case does not bear to give equivalent authority to a stipendiary magistrate.
(3)However, subsections (1) and (2) are subject to any provision of an enactment which expressly excludes a stipendiary magistrate from acting in a specific case.
(4)This section does not limit any other functions of a stipendiary magistrate (in particular, those exercisable in that capacity only).".
82In section 76 (signing functions)—
(a)in subsection (2), for "signing functions in the same manner as" substitute "the same signing functions as are exercisable by", and
(b)subsection (4) is repealed.
83In the schedule (modification of enactments)—
(a)paragraph 3(b) is repealed, and
(b)in paragraph 26––
(i)the words "(in addition to the provisions amended by paragraphs 7(4) and 16(a))" are repealed, and
(ii)sub-paragraph (b) is repealed.
The Protection of Vulnerable Groups (Scotland) Act 2007 (asp 14)
84In section 32 of the Protection of Vulnerable Groups (Scotland) Act 2007 (relevant offences etc.), in subsection (3)(b)(i), for "on the ground of insanity" substitute "by reason of the special defence set out in section 51A of the 1995 Act".
The Counter-Terrorism Act 2008 (c.28)
85In section 45 of the Counter-Terrorism Act 2008 (sentences or orders triggering notification requirements), in subsection (2)(b)—
(a)in sub-paragraph (ii), for the words from "on grounds of insanity" to the end substitute "by reason of the special defence set out in section 51A of that Act (criminal responsibility of persons with mental disorder), or", and
(b)in sub-paragraph (iii), for the words from "the Criminal" to "facts)" substitute "that Act (examination of facts where person unfit for trial)".
The Sexual Offences (Scotland) Act 2009 (asp 9)
86In section 55(7) of the Sexual Offences (Scotland) Act 2009 (offences committed outside the United Kingdom), for "proceeded against, indicted" substitute "prosecuted".
The Coroners and Justice Act 2009 (c.25)
87In section 156 of the Coroners and Justice Act 2009 (exploitation proceeds orders: qualifying offenders)—
(i)the word "or" immediately following paragraph (b) is repealed, and
(ii)after paragraph (b) insert—
"(ba)has been acquitted by such a court of an offence by reason of the special defence set out in section 51A of the Criminal Procedure (Scotland) Act 1995 (c.46), or", and
(b)in subsection (3)(a)—
(i)the word "or" immediately following sub-paragraph (ii) is repealed, and
(ii)after sub-paragraph (ii) insert—
"(iia)such a court has made, in respect of a foreign offence, a finding equivalent to a finding of the person's acquittal by reason of the special defence set out in section 51A of the Criminal Procedure (Scotland) Act 1995, or".


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text:
Ahl el qema é um filme de drama egípcio de 1981 dirigido e escrito por Aly Badrakhan. Foi selecionado como representante do Egito à edição do Oscar 1982, organizada pela Academia de Artes e Ciências Cinematográficas.

Elenco

 Nour El-Sherif
 Soad Hosny

Ligações externas

Filmes em língua árabe
Filmes do Egito

redpajama_set_name: RedPajamaWikipedia


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