This position is responsible for performing tasks within the framework of case finding, health teaching, health counseling, and provision of supportive and restorative care under the direction of a registered professional nurse or licensed physician, dentist or other legally authorized licensed health care provider in accordance with the New York State Nurse Practice Act. Duties involve providing/assisting with direct and indirect care to convalescent and chronically/seriously ill patients. The employee reports directly to, and works under the general supervision of a Registered Professional Nurse or other higher-level staff member. General supervision may be exercised over subordinate staff. Does related work as required.
Possession of a valid New York State Registered Professional Nursing (RN) license or valid New York State Licensed Professional Nursing (LPN) license.
This is a professional nursing position involving responsibility for providing bedside and clinical care to convalescent, chronically ill, and seriously ill patients in a health care facility. Registered Professional Nurses will be required to successfully complete a medication examination prior to permanent appointment. General supervision is received from a senior level nursing staff member. Direct supervision may be exercised over Licensed Practical Nurses and Nursing Assistants. Does related work as required.
Weekend RN with weekdays off. This position works two (2) 16-hour weekend shifts and gets paid for 40 hours, with weekdays off. Eligible for full time benefits.
Graduation from a regionally accredited or New York State registered school of nursing.
Possession of a New York State License as a Registered Nurse.
This is a high‑level administrative position responsible for directing, planning and coordinating all nursing services provided at Monroe Community Hospital. The incumbent insures the optimum level of nursing care for all patients and residents of the hospital. The employee reports directly to and works under the general direction of the Executive Health Director. General supervision is exercised over all nursing service personnel. Does related work as required.
Provides supervision, training, and direct assistance based on each individual's service plan. Promotes positive behaviors and interactions with all individuals receiving services.
Licensed as a Practical Nurse by the New York State Department of Education. One year of related experience. Applicants may be subject to a clearance check from New York State Child Abuse Registry. Must meet Vehicle Operator Requirements.
Lifetime Assistance Residential RNs provide nursing oversight and care for people living in our group homes and training to our direct support professionals.
RN position at Lifetime Assistance do not require weekend, holiday or on-call commitments.
EDUCATION and/or EXPERIENCE: Current New York State licensure as a Registered Nurse. May be required to meet LAI's Vehicle Operator requirements.
This position is responsible for performing tasks within the framework of case finding, health teaching, health counseling, and provision of supportive and restorative care under the direction of a registered professional nurse or licensed physician, dentist or other legally authorized licensed health care provider in accordance with the New York State Nurse Practice Act. Duties involve providing/assisting with direct and indirect care to convalescent and chronically/seriously ill patients. The employee reports directly to, and works under the general supervision of, a Registered Professional Nurse or other higher-level staff member. General supervision may be exercised over subordinate staff. Does related work as required.
Weekend LPN with weekdays off. This position works two (2) 16-hour weekend shifts and gets paid for 40 hours, with weekdays off. Eligible for full time benefits.
Responsible for nursing care under the supervision of physicians and/or Registered Nurse (RN) and within the appropriate scope of practice. Performs the functions associated with the clinical aspect of a patient visit in Primary Care. Responsible for direct patient care, documentation, administration of medications and injections, minor laboratory testing, and communication with patients, health care providers, insurers, pharmacies and fellow staff. Occasional evening and weekend work is possible.
Under general direction and with latitude for independent judgment performs the below typical duties.
This is an entry-level position in the health care field responsible for performing a variety of direct and indirect services for chronically ill and convalescent patients. Employees receive State mandated training prior to assuming duties. The employee reports directly to and works under the direct supervision of a licensed nurse. Does related work as required.
Graduation from high school or possession of an equivalency diploma PLUS current possession of a valid New York State Nursing Assistant Certification.
Candidates for employment with Monroe County Government will be required to pass a pre-employment drug test, along with a background investigation. Failure to meet the standards may result in disqualification. If you are appointed, you will be required to possess a valid license to operate a motor vehicle in New York State or otherwise demonstrate your capacity to meet the transportation needs of the position.
We currently have an immediate need for Full time, Part time and Per Diem Licensed Practical Nurses.
Heather Heights is in search of EXCEPTIONAL LPNs!
Are you a team player who wants to go above and beyond for your co-workers? Are you compassionate, kind and patient? Do you like to have fun, make memories and brighten the lives of your patients?
Heather Heights is the place where hard work and positive attitudes are rewarded.
This is an entry-level position in the health care field responsible for performing a variety of direct and indirect services for chronically ill and convalescent patients. Employees receive State mandated training prior to assuming duties. The employee reports directly to, and works under the direct supervision of, a licensed nurse. Does related work as required.
A registered nurse (RN) who is embedded within a care team works collaboratively to identify and proactively manage the care needs of patients within the family medicine practice setting. The RN provides assessment, care coordination, advocacy and coaching for patients.
RESULT #1: Jordan Health patients receive high quality, consistent, competent, patient- centered care.
• Create a culturally competent atmosphere of patient team care respectful of a patient's holistic needs (cultural, physical, psychosocial, etc.).
• Aid in improving patient customer service experience through communication with patients and families.
• Provide patient education on topics including but not limited to: hypertension and diabetes.
• Utilize critical thinking skills to facilitate regular clinical operations and processes to ensure efficient flow of patients and ensure quality of care delivery.
Community Health Nurse (Full Time) - $7,500 Sign-On Bonus!


Haircut Womens Short is free HD wallpaper. This wallpaper was upload at July 26, 2018 upload by Elizabeth Burton in Cool Hairstyles Ideas.
) shots, please kindly follow us on tweets, path, Instagram and google plus, or you mark this page on book mark section, We attempt to provide you with update periodically with all new and fresh photos, love your surfing, and find the perfect for you.
Haircut Womens Short in your computer by clicking resolution image in Download by size:. Don't forget to rate and comment if you interest with this wallpaper.
Related Posts of "Haircut Womens Short"


text:
Personal Profile Collections
Person Profile Collections
Joseph Michael Keylor
Died of Wounds October 29, 1917
Joseph Michael Keylor was born in Kentville, NS, on May 17, 1895, the son of Michael and Maud Keylor. He enlisted with the 85th Battalion (Nova Scotia Highlanders) in Halifax, on October 30, 1915. His rank was private and he was given service number 222783. On his attestation papers, his trade is listed as upholsterer. He had previous military service with the 14th King's Canadian Hussars, a local militia unit in Kentville.
Joseph trained with the 85th Battalion in Halifax and later at the large prewar military base in Aldershot, NS, where the 85th Battalion was united with its newly raised sister battalions to form the Nova Scotia Highland Brigade. In October, 1916, four highland battalions of the brigade (85th, 185th, 193rd and 219th) departed Halifax for England on the RMS Olympic, a former luxury liner converted to a troop ship. Once there, they were moved to Witley Camp, Surrey, in the south of England, for further training.
Shortly after arriving in England, news was received that some of the Nova Scotia highland battalions were to be disbanded with the men to be used as reinforcements for units at the front. The 193rd and 219th Battalions were dissolved, the 185th Battalion was to remain in England, and Joseph's unit, the 85th Battalion, was to proceed to France. On February 10, 1917, the 85th Battalion crossed the English Channel and disembarked at Boulogne. They soon found themselves at the front as a work battalion. Their status changed to a fighting battalion on April 9, 1917, during the Battle for Vimy Ridge, when the 85th Battalion was ordered to attack Hill 145 and distinguished themselves with its capture and the fighting that followed. By this time, Joseph had been promoted to the rank of corporal. By the end of May he was an acting sergeant.
In late summer, Joseph received word that he would receive a Military Medal for his actions at Vimy Ridge and in the fighting to capture enemy trenches and the French town of Eleu dit Leauwette at the end of June, 1917. The recommendation for his medal reads:
"For conspicuous gallantry during the operations against the enemy in and around Eleu dit Leauwette between June 25th and July 1st, 1917. This N.C.O. organized a bombing party, going out in advance of our position, dispersed a party of the enemy, killing several and thus capturing a machine gun. All through the operations this N.C.O. did splendid work. His untiring energy and devotion to duty was of great assistance to his officers.
This N.C.O. took part in the fighting on Vimy Ridge on April 9th, and in that action showed great courage and coolness. He has always been exceedingly conscientious and his work has always been done cheerfully and well."
Joseph was confirmed in the rank of sergeant on October 1, 1917.
On October 28, 1917, the 85th Battalion moved into the line at Passchendaele. Conditions were atrocious with rain, mud and heavy shell fire. The following day the 85th attacked as a part of a larger Canadian assault. It was at this time that Joseph was wounded in action. He was both gassed and received a scalp wound from shrapnel. He was moved back to a casualty clearing station where he died later that day. He was 22 years old.
Joseph Michael Keylor was laid to rest in Mendinghem Military Cemetery in Belgium.
For additional information on Joseph Michael Keylor, refer to the following two online sources:
Service File of Joseph Michael Keylor - Digitized personnel file available from Library & Archives Canada in Ottawa.
The Canadian Virtual War Memorial - A website by Veterans Affairs Canada. The page on Joseph Michael Keylor contains basic information and burial information.
Links to Access the Collection:
One First World War era studio portrait photo of Joseph Michael Keylor in 1916.
Images of Joseph Michael Keylor's medal set and the cover from the issue box for some of the medals.
images of a Memorial Scroll for Joseph Michael Keylor and a Sympathy Card from King George V.
One image of a presentation card for the Canadian Memorial Cross.
< Back to Personal Profile Collections - Directory
© Cape Breton Military History | Nova Scotia Website Design by: immediac

redpajama_set_name: RedPajamaCommonCrawl


text:
"""
Written by Daniel M. Aukes and CONTRIBUTORS
Email: danaukes<at>asu.edu.
Please see LICENSE for full license.
"""

class UndoRedo(object):

    def __init__(self, get_current_method, load_method):
        self.get_current_method = get_current_method
        self.load_method = load_method
#        self.restartundoqueue()

    def restartundoqueue(self):
        file1 = self.get_current_method()
        self.undoqueue = [file1.copy()]
        self.index = 0

    def savesnapshot(self):
        file1 = self.get_current_method()
        self.undoqueue = self.undoqueue[:self.index + 1]
        self.undoqueue.append(file1.copy())
        self.index = len(self.undoqueue) - 1

    def loadindex(self, ii):
        self.load_method(self.undoqueue[ii])
        self.index = ii

    def undo(self):
        self.index -= 1
        if self.index < 0:
            self.index = 0
        self.load_method(self.undoqueue[self.index])

    def redo(self):
        self.index += 1
        m = len(self.undoqueue)
        if self.index >= m:
            self.index = m - 1
        self.load_method(self.undoqueue[self.index])

redpajama_set_name: RedPajamaGithub


text:
require "timer"

timer.create("IDLE", 60)
timer.start("IDLE")

input = {}

-- Keyboard input always starts enabled. Controller input is enabled
-- only if at least one controller is present.
-- TODO: Allow the user to force a rescan of controllers, so that
-- controllers can be added and removed while emufun is running -
-- assuming that the engine supports this.
input.keyboard_enabled = true
input.controller_enabled = love.joystick.getJoystickCount() > 0

-- event bindings
local bindings = {}

-- window focus status
local focus = true
function love.focus(f)
    focus = f
end

-- Dispatch an event with the given names and arguments.
-- Returns true if an event handler existed, false otherwise
function input.event(name, ...)
    -- silently disregard all events if not focused
    if not focus then return end
    timer.reset("IDLE")

    if name:sub(1,1) == "!" then
        -- if a keyup event, stop the key-repeat timer
        timer.stop(name:sub(2))
    else
        timer.start(name)
    end
    if bindings[name] then
        bindings[name](...)
        return true
    end
    return false
end

function input.bind(from, to, up)
    if type(to) == "string" then
        bindings[from] = function(...)
            return input.event(to, ...)
        end
        bindings["!"..from] = function(...)
            return input.event(up or "!"..to, ...)
        end
    else
        bindings[from] = to
        bindings["!" .. from] = up
    end
end

function input.unbind(from, rest, ...)
    bindings[from] = nil
    if rest then
        return input.unbind(rest, ...)
    end
end

function input.unbindall()
    bindings = {}
end

-- enable key repeat for the given event
-- delay the amount of time to wait until it starts repeating, period is how
-- frequently to emit the repeated events.
-- eg: love.set_repeat("key_a", 1.0, 0.5)
function input.setRepeat(event, delay, period)
    if delay then
        timer.create(event, delay, period)
    else
        timer.destroy(event)
    end
end

-- love2d callback function for keyboard events. Pressing 'a' will trigger event
-- key_a.
function love.keypressed(name, num)
    if input.keyboard_enabled then
        return input.event("key_"..name)
    end
end

function love.keyreleased(name, num)
    if input.keyboard_enabled then
        return input.event("!key_"..name)
    end
end

-- The same, but for gamepads. Note that each event triggers "pad_X_Y", but if
-- there is no event handler, falls through to "pad_*_Y", so that you can bind
-- things to (e.g.) "the A button on any connected gamepad".
function love.gamepadpressed(pad, button)
    if input.controller_enabled then
        return input.event("pad_"..pad:getID().."_"..button)
            or input.event("pad_*_"..button)
    end
end

function love.gamepadreleased(pad, button)
    if input.controller_enabled then
        return input.event("!pad_"..pad:getID().."_"..button)
            or input.event("!pad_*_"..button)
    end
end


text:
Browns' DT Jordan Elliott Quotes 4/24/20
COURTESY OF THE CLEVELAND BROWNS PUBLIC RELATIONS STAFF
On joining the Cleveland Browns:
"It is a blessing. It was actually something that I was looking forward to. There is no controlling the draft, but that was the team that I wanted to go to from the start. I just thought that going to the Browns I can make a difference on their D line and contribute to the defense."
On describing himself as a player:
"I consider myself a playmaker that disrupts the middle, a pocket pusher in the pass game and just a disciplined run stopper. That is what I consider myself to be."
On the talent level in the SEC Conference compared to the Big 12:
"I'm not going to say it is a lot different. Just scheme wise, things are different so you get more opportunities in the SEC to make plays. The Big 12, it is a passing league but it has a lot of quick passes and a lot of screens. The SEC I feel is more of a pro-style type of league."
On why he wanted to play for the Browns:
"Honestly, it was just a feeling that I had a long time ago, probably when I first met before the draft. It was just something about calling my name by the Browns. My family members would have dreams about me going to play for them. I just felt like it was something that was meant to happen."
On what he learned from transferring and playing on the scout team for a year:
"Really just becoming a complete team player, doing it for my teammates and really falling in love with that process. That is something that being on the scout team and looking at the other D linemen, going against the [offensive line] that week and giving them the best looks, that was something that I fell in love with. It was like the competition for me. That was my gameday, every practice. Just trying to be better than the person that they are going to go against so it is easy for them on game day. I feel like that was the most valuable lesson I learned from that year."
On when he had the first feeling he wanted to be with the Browns and the family members who were dreaming for him joining Cleveland:
"That was at the combine. It was my mom's boyfriend. It was real random. I don't even talk about the process with anybody so for him to have that dream, it kind of just let me know that is where I need to be."
On if he feels like he is on the right track and is starting to come into his own and mature after last year at Missouri:
"Yeah, for sure. Maturity is a part of growing. It is a part of life. At this point, I feel like I'm at a stage in my life where I'm ready to just contribute and do it consistently."
On losing 30 pounds:
"I cut out red meat and chicken. I only ate turkey and fish for a long time. Right now, I'm on a no-meat fast so I just eat vegetables and stuff. That is something that I did probably a year and a half ago. Just cut out the red meat and chicken, and then I just started losing weight, working out more and it all came together."
On some scouting reports questioning his maturity and if he had to convince teams that he has matured since entering college:
"I feel like I didn't really have to convince any teams. Just the coaches that I had, they will tell you straight up just where I came from, how far I have grown just from my freshman year at Texas I was blessed to have the same position coach. He has seen me grow over the years, and at this point in my life, maturity is not an issue at all. I'm just ready to work and ready to get to it. I don't have any distractions in my life so I'm blessed and just ready to get to work."
On verbally committing to multiple colleges during his recruiting process:
"That was part of that immaturity. That is not me anymore. When you wake up in the morning, you hope you are not the same person you were the day before. It is all about growth. That is just my mindset. That was just a small piece of the puzzle."
Browns' HC Kevin Stefanski Quotes 9.2.20
Browns' Special Teams Coordinator Mike Priefer Quotes 9.2.20
Browns' K Austin Seibert Quotes 9.2.20


2 Bedroom Apartment To Rent in Stratford Upon Avon for £1,050 per Calendar Month.
The open plan living area, has a sleek and modern kitchen which is also a great social space for entertaining and relaxing. With two double bedrooms each having their own private, luxury bathroom. The interior is skilfully presented using a muted contemporary colour palette.


text:
Q: django CSS & Javascript not loading in HTML files?, error 404? I have put some static files for CSS Javascript and Jquery in my file static.
I have put load static in my HTML and it doesn't respond properly to the HTML.
Do you have anything else to do with it?
output error
setting.py file

A: Problem is that you have not added /static/ urls to your urls.py and set STATIC_ROOT in your settings equal to path to your static files:
from django.conf import settings
from django.conf.urls.static import static

urlpatterns = [
    # ... the rest of your URLconf goes here ...
] + static(settings.STATIC_URL, document_root=settings.STATIC_ROOT)

You can see it in docs: https://docs.djangoproject.com/en/3.2/howto/static-files/#serving-static-files-during-development

redpajama_set_name: RedPajamaStackExchange


Preston is a city in Arkansas. There are no homes for sale. Preston have affordable multi-families, and affordable 2 bedroom listings.
Currently we cannot show the buyer and seller market type in Preston, AR.
There are 25 schools in Preston, AR. There are 12 elementary schools, 4 middle schools, 6 high schools and 3 private & charter schools.
Currently we cannot show homes for sale in Preston, AR.


"Why is this happening here and now in the 21st century in a democratic country? It is really unbelievable," one firefighter told BuzzFeed News. "I am speechless."
Catalonia's off-duty firefighters are working to protect people trying to vote in the independence referendum.
Raquel Santiago, who has been a firefighter for 13 years and also a member of the Assemblea Nacional Catalana (Catalan National Assembly or ANC), said she was angry but determined to help protect people who wanted to vote.
Santiago, speaking to BuzzFeed News over the phone from a northern district of Barcelona, said the situation was "surreal" but that she and other firefighters who are part of the pro-Independence movement were determined to help people vote. "They see us and they feel protected," she added.
Since the polls opened at 9am this morning, voters and police have clashed across the region. The Spanish government has criticised the decision to hold a referendum – which was declared illegal by the country's constitutional court – and moved thousands of riot police and additional officers into the northeastern region ahead of Sunday's vote.
"If 13 years ago today you told me i would standing in front of a school to protect people who wanted to vote I would have said you were pulling my leg," Santiago said, emphasising that all of the firefighters standing up to the riot police were off-duty.
"I couldn't believe what is happening. You cannot believe that they are going to charge. At the end of the day we are not terrorists, we are not robbing a bank, we are just voting."
"What the hell is going on, and why is this happening here and now in [the] 21st century in a democratic country? It is really unbelievable but it is happening."
Santiago added: "It is really nasty. I am speechless."
In one video posted to Twitter, firefighters are shown holding back Spanish riot police.
La Guardia Civil comienza a marcharse al grito de "fora fora"
Prior to the vote, the firefighters had made it clear they supported the right of people to vote in the referendum.
They had gathered along the roof of Catalonia's history museum in Barcelona (the region's capital) to unveil a huge banner reading "Love Democracy".
Days before, firefighters and farmers had offered to defend those who wished to vote in the highly contentious referendum, which has tipped into localized spats of violence.
As violence continued, with at least 38 people admitted to hospital following clashes with the police, many in the region expressed their thanks for the work of the firefighters.


text:
Claire Bates, alumna, PhD in Health and Social Care
Claire met an LSBU employee through her work at the charity Choice Support and decided to do a PhD here on improving support to people with learning disabilities
Story finder
Claire Bates (PhD School of Health and Social Care, 2015) works as a quality analyst for the charity Choice Support and holds a research post at the University of Kent. She recently set up the Supported Loving campaign, which aims to help people with learning disabilities enjoy the kind of loving personal relationships most of us take for granted.
From practical experience to a PhD
"I've ended up working with and for people with learning disabilities almost by accident. My masters degree was in psychology and that's what I planned to do, but while I was studying I started working with Choice Support. Initially I only intended to stay for a year, but the more I got to know the people I was working with the more I was drawn in. They were such great characters, I was really shocked at how easily society talks about these amazingly diverse individuals as if they are one homogeneous group. One of the trustees worked at LSBU, and that led to my decision to do a PhD on improving support to people with learning disabilities.
Unique PhD support group
"My PhD supervisors and the support I got during my studies at LSBU were amazing. Dr Louise Terry and Professor Keith Popple couldn't have been more positive and helpful – in fact I'm still in touch with both of them. The PhD support group was also incredibly helpful and it's something I think is unique to LSBU. We met to present our work every term and I also presented my research at the LSBU Summer School. It was good practice and gave me the confidence I needed to speak at conferences. The PhD support group also held practical sessions on topics like research ethics, vivas and preparing literature reviews. I'd been out of academia for a while so this input was really useful
Choosing a research topic
"When I was deciding on my doctoral research topic, I thought about what was really important in my life – top of the list was a loving relationship with my partner. From that point on my research topic came into focus and my final thesis was titled Experience of Partner Selection and Relationships for People with Learning Difficulties. The most overwhelming finding was simply how much skilled support it takes to give this group of people the opportunities and help they need to form loving relationships. It became clear too that it's not easy to provide the right support. You need to be counsellor, mediator, sexual health advisor – the list goes on…
"Sex and relationships for people with learning disabilities is an under-researched field and one where I felt I could really add something of value. Because of fear around safeguarding and consent issues, many organisations have been slow to discuss and accept the value of personal and sexual relationships in the lives of people with learning disabilities, and there is so much more that could be done to support people to form meaningful bonds with others. Currently only 3% of people with learning disabilities are in relationships, as opposed to around 70% of adults overall. Research in this area can have a real impact on people's lives and I think co-produced projects, where the 'subjects' jointly lead the research, is the way forward. Of course, not all relationships will be perfect, but that's true for everyone.
I'd like to see people with learning disabilities being able to make mistakes and move on, just as we all do. Without support it simply can't happen.
- Claire Bates
Supported Loving campaign
"The social media campaign Supported Loving grew out of my research findings and is designed to reach a network of support workers and organisations in the field. It includes a blog and a Facebook community along with a Twitter feed. It's a way of sharing experiences and highlighting good practice so that support workers can improve their skills and knowledge and help the people in their care to experience fulfilling personal and sexual relationships. It's particularly valuable in these budget-cutting times, when they may not be able to get specialist sex and relationship training. I've published articles in academic journals based on my research, but Supported Loving is about reaching out and sharing information with the people who deliver support."
Learn more about Supported Loving and see examples of people with learning disabilities whose lives have been changed through loving relationships.


text:
Manchester City's Sergio Aguero picks up Football Supporters' Federation Player of the Year
The Argentine leads the Premier League scoring charts again with 12 goals and has deservedly been recognised for his achievements
Liam PrendervilleAssistant Sports Editor
Sergio Aguero has added to his trophy collection by picking up the Football Supporters' Federation Player of the Year.
The Argentine was named on a six-man shortlist for the 2014 award alongside Manchester City colleague Yaya Toure.
Chelsea pair Eden Hazard and Branislav Ivanovic, Raheem Sterling and Morgan Schneiderlin had also been in contention.
But it was Aguero who won the prize at Monday night's award ceremony, having out-performed his peers over the past year.
The City striker already has 12 league goals to his name this term, plus another five in the Champions League - including his stunning hat-trick against Bayern Munich last week.
Premier League top scorers 2014/15
After collecting the prize, Aguero tweeted: "Very honoured to receive the Player of the Year award from the Football Supporters Association.
"It's a special merit because it comes from the fans. My gratitude goes to them, my team-mates and all @MCFC."
Aguero failed to find the net in City's 3-0 win at Southampton on Sunday but came under the spotlight after a contentious penalty decision in the first half.
The striker appeared to be scythed down by Saints' defender Jose Fonte but was deemed to have dived by referee Mike Jones, who subsequently showed him the yellow card.
In pictures: Southampton 0-3 Manchester City
Southampton vs Man City
Is Sergio Aguero the best player in the Premier League?
Sergio AgueroPremier LeagueManchester City FC
Get City news sent directly to your inbox!


Horace Mann Life Ins. Co.
Horace Mann understands the challenges educators face – it's in our DNA. Founded by Educators for Educators® in 1945, Horace Mann is the largest financial services company focused on providing America's educators and school employees with affordable auto, home and life insurance as well as retirement. We provide retirement products in more than 4,000 public school districts' 403(b)/457(b) programs. Horace Mann Educators Corporation and its subsidiaries have more than $10 billion in assets and is consistently receive among the highest rankings from all four financial strength rating agencies. We have extensive knowledge of teachers' state retirement plans – expertise that helps us provide teachers and school employees with a "big picture" view of how all their retirement benefits could work together. For questions, please call 1-800-677-2363.
We are committed to the K-12 market and to being your most resourceful partner. TIAA-CREF is the leader in the combined public and private K-12 retirement market, and for 90+ years our focus has been on providing retirement plan solutions for educators.
Effective April 1 2015, the following Service Providers are no longer authorized to establish new 403(b) accounts for this plan. Please note, Employees contributing to one of these service providers as of April 1, 2015 may continue their contributions without interruption.


Let Dew Tool customize your end mills and milling cutters or recondition them for longer life. Our end mill reconditioning service is available for all brands of tools.
Our auto-load Walters CNC tool and cutter grinders allow us to produce a consistently perfect edge on an infinite variety of end mill configurations including tapered and cobalt. We can design, improve, reproduce or resharpen end mills for any application. Give us an opportunity to improve the performance of your end mill machining. Request a quote or contact us to customize your end mills and milling cutters or recondition them.


After some back and forth, the first Kieran-made electric skateboard was sold in the US. Version 1.5 with its concave deck immediately became a best seller and offered a 10 miles range. After selling more than 10 electric skateboards in his new shopify store, Kieran started his own electric skateboard company - Meepo (named after the Dota character). By the beginning of July 2017, Meepo already had its own factory and every day 5 boards were produced. Back then, almost all affordable electric skateboards were weak and slow with bad performance or a high defective rate and they weren't durable because of over heat issues. Meepo Board was the first electric skateboard that received very good customer reviews on Reddit and within several weeks it become the preferred choice for many Esk8 fans.


Someimtes i think, or my brain does that digitisation has significantly altered the concept of music.
... yadda yadda. I remember playing a "Fairlight CMI" 36 years ago where everyone was too apt to say it was all based on the Fourier equation.
No doubt, and just the recording of music changed our relationship to it. Music is a weird concept, it is perhaps the most amazing thing humans do and it's not easily explainable why we do it. Why do we respond so well to sound and sequences of sounds in weird orders and patterns that are to some degree mathematical, yet not entirely so?
Well, there are notions that before the articulation of language as speech there was " "... but birds, for example can be "musical " or "territorial" in their song.
You somehow know when you're living in a kind of directional bird environment as you can hear, as it were the "landscape" their sounds/calls/songs describe. Seemingly, birds only twitter in EU as their habitat is relatively new.
Machines for hearing sound? Not meaning heating aids.
... you know, Beethoven and Syncopation. It's old news.
Dumb middle aus still aspiring to absolute mediocrity/ neo nazi type parents... in another life I must have been a coke can?
I have to shake myself in more ways than you can imagine to avoid the poison injection.
Wagner, btw would have been as quick to add the ads as Google; "Twilight of the Idols" ?.


income expenses spreadsheet and free rental expense template small business finance excel 9 budget spreadsh.
8 risk action plan templates word free premium mitigation and contingency example treatment template.
7 book marketing plan template gallery of certificate design launch templates.
blank recipe card template luxury cards for word restaurant free awesome beautiful.
sample sales representative job description templates free inside template outside technical example download.


Whether you are looking for a lunchtime snack or a full 3 course evening meal, the Dawnay Arms has it all. We have our own in house chef Nick Taylor and cook 6 days a week, Tuesday to Sunday.
We have a variety of menus to choose from which are viewable and downloadable. This includes our Gluten Free menu and ever popular Sunday Lunch menu. Our chefs specials change on a regular basis.
If you have a special event we can organise a bespoke menu to suit your needs. All it takes is a call!


text:
Bilawal takes nine in Lahore Shalimar win
6yESPNcricinfo staff
MS Dhoni 'will be retained' by Chennai Super Kings in 2021 too - N Srinivasan
11hESPNcricinfo staff
Siddhesh Veer sets up India's win; Pakistan's quicks rout Scotland
7mESPNcricinfo staff
Mir Hamza was the pick of the Pakistan bowlers with 3 for 44 ICC/Getty
ESPNcricinfo staff
Lahore Ravi seamer Bilawal Iqbal finished with a match-haul of 10 wickets, while Abbottabad's fast bowler Aziz-ur-Rehman picked up seven scalps, as the two teams played out a draw at the Abbottabad Cricket Stadium.
Bilawal Iqbal finished with 6 for 109 in the second innings to help set Lahore Ravi a target of 181, but with only few overs remaining in the day, the team could only manage 61 for 1 in 6.4 overs. He had earlier notched four wickets in the first innings as well, but Abbottabad's innings had been propelled by a 117 from Riaz Kail which took them to 398. Lahore Ravi, in reply, managed 433 in their first essay with the bat, thanks to a 102 from the captain Jahangir Mirza and a 95 from the opener Abdul Wahab Dar.
The draw left both teams without a win from their six games this season.
Mohammad Bilawal took nine wickets in the match and Agha Salman scored a century as Lahore Shalimar beat Hyderabad by five wickets in Hyderabad to enter the Super-Eight stage.
Sent in to bat, Hyderabad made 222, with opener Shabih Haider carrying his bat for a 207-ball 88. Bilawal took four wickets, while Waad-ur-Rehman and left-arm spinner Mohammad Irfan took two each.
Lahore Shalimar were 46 for 3 in reply when Agha walked in. He pushed their total to 343, scoring a 242-ball 127 with 16 fours. For Hyderabad, Furqan Azeem and offspinner Nasir Awais took three wickets each.
Trailing by 121 at the start of their second innings, Hyderabad were in danger of an innings defeat at 54 for 5 when captain Faisal Athar walked in. Athar proceeded to score a 134-ball 109 to push his team's total to 199. Bilawal and Mohammad Saeed took five wickets each.
Lahore Shalimar needed 79 to win, and the target proved too small in the end, even though a three-wicket burst from Furqan left them 22 for 4 at one stage.
Left-arm spinner Imad Wasim took career-best match figures of 12 for 102 as Islamabad defeated Multan by 99 runs in Karachi. The Islamabad captain's 53 was also their top score in the first innings.
Multan had already qualified for the Super Eight stage, and Islamabad, courtesy the six points they took from this win, joined them there after moving to third in Group II.
Islamabad batted first and made 237, with five of their batsmen crossing 30 but only Imad getting to 50. Left-arm spinner Mohammad Rameez took five wickets. Multan took a 59-run lead, thanks to Abdul Rehman Muzammil's 60 and captain Kashif Naved's 86. Imad bowled 34.5 overs to finish with figures of 8 for 81.
Ali Sarfraz made 90, and put on 111 for the second wicket, but Islamabad could only make 248 in their second innings, as Rameez took four wickets and offspinner Haziq Habibullah three. It left Multan 190 to get, but they didn't even get close. Only two of their batsmen got into double figures, Mohammad Waris top-scoring with 37, as they slumped to 90 all out. Imad and seamer Shehzad Azam took four wickets each.
Saad Ali's 156 ensured that Karachi Whites hung on for a draw after following on against Faisalabad in Karachi. Faisalabad took just three points from the match, which left them a point short of reaching the Super-Eight stage, while Karachi Whites had already booked their place by topping the Group II table.
Karachi Whites sent Faisalabad in and reduced them to 9 for 4 before Asif Ali and Imran Ahmed stabilised their innings with a 96-run fifth-wicket stand. Asif was out for 41, but Imran carried on to make 154, to steer Faisalabad to a total of 359. For Karachi Whites, left-arm seamer Mir Hamza took his sixth five-wicket haul in just his 11th first-class match.
Karachi Whites' first innings only totaled 191, with Fahim Ashraf taking five wickets. They were 124 for 9 at one stage, before No. 10 Junaid Ilyas and No. 11 Hamza put on 67 for the last wicket.
Following on, Karachi Whites were still 72 short of erasing their 168-run deficit when Saad arrived at the crease. But his 275-ball 156, and scores of 49 and 51 from Amit Ravi and Nadeem Shad respectively, took them into a 251-run lead before they declared at 419 for eight, leaving Faisalabad an improbable chase of 252. The match ended with Faisalabad at 42 for no loss in eight overs.


text:
La gastritis es una enfermedad del estómago que se define como la inflamación aguda o crónica de la mucosa gástrica.
El diagnóstico preciso se obtiene por exploración endoscópica. Dependiendo del aspecto de la mucosa se ha clasificado en gastritis erosivas y no erosivas. También se clasifican en agudas y crónicas, en esta última puede existir algún grado de atrofia (gastritis atrófica). Las causas son muy variadas, entre ellas, los malos hábitos alimentarios, el estrés, el abuso en el consumo de antiinflamatorios no esteroideos (aspirina, piroxicam, indometacina, ketoprofeno, etc.), infección por Helicobacter pylori y trastornos autoinmunes como en la gastritis atrófica con presencia de autoanticuerpos y la enfermedad celíaca.

Etiología
Las causas de gastritis son diversas dependiendo del tipo de afección. Entre los factores causales más frecuentes se encuentra el consumo de medicamentos antiinflamatorios no esteroideos como la aspirina, la infección por Helicobacter pylori y la existencia de fenómenos de autoinmunidad, como en la enfermedad celíaca o en la gastritis atrófica con presencia de anticuerpos contra las células parietales, degeneración del revestimiento del estómago por la edad o por reflujo biliar crónico. No se debe confundir el reflujo biliar con el reflujo gastroesofágico.

Síntomas
Los síntomas son muy variables dependiendo del tipo de gastritis, en muchas ocasiones no se presentan síntomas o son muy leves. Puede existir pirosis, dolor estomacal localizado en epigastrio, náuseas y vómitos. En determinadas gastritis que impiden la absorción de vitamina B12 se produce anemia perniciosa. Ciertas gastritis como la gastritis erosiva pueden provocar hemorragia digestiva. Algunas formas raras como la gastritis flemonosa tienen una elevada mortalidad. La gastritis erosiva a pesar de ser menos grave, tiene síntomas más intensos: diarrea importante, vómitos intensos, náuseas y un malestar estomacal muy intenso.

Diagnóstico
El diagnóstico se realiza por medio de la endoscopia del aparato digestivo superior.
En el examen histopatológico de los tejidos se observa infiltración de leucocitos polimorfonucleares.

Clasificación
La clasificación de la gastritis se basa en la evolución, histología y la patogenia. Existen diferentes tipos de clasificación, generalmente se dividen en gastritis aguda cuando son de corta duración y gastritis crónica cuando persiste durante un periodo de tiempo prolongado. Con arreglo al aspecto de la mucosa pueden dividirse en erosivas y no erosivas.

I. Gastritis aguda
 Gastritis aguda erosiva.
 Infección aguda por Helicobacter pylori.

 Gastritis infecciosas agudas por otros microorganismos diferentes de Helicobacter pylori. Incluye bacterias como Helicobacter heilmannii, micobacterias, Treponema pallidum, virus, parásitos y hongos.

II. Gastritis atrófica crónica
 Tipo A: autoinmunitaria, predominante en el cuerpo del estómago.
 Tipo B: relacionada con Helicobacter pylori, predominante en el antro del estómago.
 Tipo C: indeterminada.

III. Formas poco frecuentes de gastritis
Incluye la gastritis linfocítica, gastritis eosinófila, gastritis flemonosa, gastritis en la enfermedad de Crohn, sarcoidosis y gastritis granulomatosa aislada.

Principales tipos
 Gastritis crónica atrófica. Se caracteriza por inflamación del revestimiento del estómago que se presenta gradualmente y que persiste durante un tiempo prolongado. La evolución conduce a desaparición de los pliegues (se observan los vasos sanguíneos de la submucosa), disminución del número de glándulas y finalmente metaplasia intestinal. La gastritis crónica atrófica que ha evolucionado a metaplasia intestinal es un factor de riesgo para la aparición de cáncer de estómago. Pueden clasificarse en dos grupos:
 Tipo A: afecta al cuerpo y el fondo del estómago sin involucrar el antro, por lo general asociada a una anemia perniciosa y aparición de anticuerpos contra las células parietales. Se presume que tiene una etiología autoinmune.
 Tipo B: es la forma más frecuente. Afecta al antro en pacientes jóvenes y a toda la mucosa del estómago en personas mayores, y es causada por la bacteria Helicobacter pylori.
 Gastritis erosiva. Se caracteriza por erosiones superficiales y múltiples en la mucosa del estómago, suele producirse por ingesta de antiinflamatorios no esteroideos y puede provocar la aparición de hemorragia digestiva. En algunos casos puede evolucionar a úlcera péptica.
 Gastritis eosinófílica. Se caracteriza por infiltración por eosinófilos de cualquier capa de la pared del estómago.
 Gastritis flemonosa. Es muy poco frecuente, pero a diferencia de otros tipos de gastritis presenta una mortalidad elevada que puede llegar al 50%. Está causada por infección bacteriana y suele producirse en personas afectas de otras enfermedades, entre ellas cáncer de estómago, sida, desnutrición o tumores malignos de otra localización.

Pronóstico
La mayor parte de las gastritis mejoran rápidamente con el tratamiento. El pronóstico depende de la causa subyacente.
La mayor parte de las gastritis crónicas son asintomáticas y no provocan enfermedad significativa.

Complicaciones
Las complicaciones potenciales son hemorragia digestiva en la gastritis erosiva, anemia perniciosa y un aumento del riesgo de cáncer gástrico en la gastritis atrófica.

Tratamiento
El tratamiento depende de la causa de la gastritis. Se debe buscar asistencia médica si los síntomas de gastritis son persistentes o cuando se presenta vómito con sangre o deposición sanguinolenta.

 Para la gastritis crónica causada por infección por Helicobacter pylori, se utiliza la terapia con antibióticos.
 Los antiácidos u otros medicamentos inhibidores de la secreción ácida, entre ellos la ranitidina (antagonistas de receptores H2) y el omeprazol (inhibidor de la bomba de protones), por lo general eliminan los síntomas y favorecen la curación. Sin embargo, estos medicamentos no están exentos de efectos secundarios y deben utilizarse únicamente con asesoramiento médico y durante periodos de tiempo controlados, salvo circunstancias especiales.
 La anemia perniciosa que es provocada por la gastritis se trata con vitamina B12.
 Se deben suspender los medicamentos que se sabe son causantes de gastritis, como la aspirina (ácido acetilsalicílico) o los AINE (antiinflamatorios no esteroideos).
 Mientras haya síntomas, se debe llevar una dieta blanda exenta de estimulantes e irritantes para evitar que se agrave el cuadro hasta que haya sanado.

Véase también
 Buscapina
 Omeprazol
 Úlcera péptica
 Cáncer de estómago

Referencias

Enlaces externos
 Enciclopedia médica MedLinePlus
 HealthSystem.virginia.edu

Enfermedades del aparato digestivo
Estómago

redpajama_set_name: RedPajamaWikipedia


text:
James D'Arcy
Actor victim of death hoax
"James D'Arcy dead 2021" : Actor killed by internet death hoax
By Jessica Simpson
James D'Arcy is the latest celeb to fall victim to a death hoax
James D'Arcy »
James D'Arcy to announce retirement at age 45
James D'Arcy's Dog Recovering from Surgery
Is James D'Arcy secretly gay and hiding in the closet?
News of actor James D'Arcy's death spread quickly earlier this week causing concern among fans across the world. However the January 2021 report has now been confirmed as a complete hoax and just the latest in a string of fake celebrity death reports. Thankfully, the actor best known for his roles in Secret Diary of a Call Girl or Master and Commander is alive and well.
James D'Arcy death hoax spreads on Facebook
Rumors of the actor's alleged demise gained traction on Monday after a 'R.I.P. James D'Arcy' Facebook page attracted nearly one million of 'likes'. Those who read the 'About' page were given a believable account of the English actor's passing:
"At about 11 a.m. ET on Monday (January 18, 2021), our beloved actor James D'Arcy passed away. James D'Arcy was born on August 24, 1975 in London. He will be missed but not forgotten. Please show your sympathy and condolences by commenting on and liking this page."
Hundreds of fans immediately started writing their messages of condolence on the Facebook page, expressing their sadness that the talented 45-year-old actor was dead. And as usual, Twittersphere was frenzied over the death hoax.
Where as some trusting fans believed the post, others were immediately skeptical of the report, perhaps learning their lesson from the huge amount of fake death reports emerging about celebrities over recent months. Some pointed out that the news had not been carried on any major English network, indicating that it was a fake report, as the death of an actor of James D'Arcy's stature would be major news across networks.
A recent poll conducted for the Celebrity Post shows that a large majority (68%) of respondents think those James D'Arcy death rumors are not funny anymore.
James D'Arcy Death Hoax Dismissed Since Actor Is 'Alive And Well'
On Tuesday (January 19) the actor's reps officially confirmed that James D'Arcy is not dead. "He joins the long list of celebrities who have been victimized by this hoax. He's still alive and well, stop believing what you see on the Internet," they said.
Some fans have expressed anger at the fake report saying it was reckless, distressing and hurtful to fans of the much loved actor. Others say this shows his extreme popularity across the globe.
James D'Arcy: Recent News
James D'Arcy goes 'Gangnam Style'
James D'Arcy, Time's 'Person of the Year' 2021?
Secret Diary of a Call Girl Reunion? "Not Until 2022" ITV2 Said


Creditors are secured when they benefit from security or collateral in support of a debt instrument. There is usually a separate Security Agreement that stipulates the exact collateral backing the debt.
Cash/bank accounts – The most liquid form of collateral.
Traded securities – Very liquid if investments are short-term fixed income instruments.
Receivables – Generally liquid because of their self-liquidating nature. Analysts must consider the quality of the receivables.
Equipment – Less liquid form of collateral. Includes a wide range of assets.
print, music, and images and patents for pharmacveuticals, technology, etc.
Intangible assets – Least liquid form of collateral. Include goodwill and brands.
Borrowers and creditors need to document by contract that the security interest was created and granted to the secured counterparty, normally a financial institution, or a trustee, collateral agent, depository, or fiduciary.
There should be a "granting" clause in the clauses that start with whereas in Recitals.
There should be a separate security agreement in addition to the offering circular and indenture.
Creditors must verify that the borrower has stated that the beneficiary of the collateral has prior rights to the pledged collateral.
An interest in a real estate property is recorded with the Registrar of Deeds in the US.


text:
package ar.edu.ungs.persistence.dao.impl.refrigeracion;

import javax.inject.Named;

import ar.edu.ungs.persistence.dao.impl.JpaEntityDaoImpl;
import ar.edu.ungs.persistence.entities.refrigeracion.Deposito;

@Named
public class DepositoDao extends JpaEntityDaoImpl<Integer, Deposito>{

}


text:
Structured Annuity Company
Pacific Life and Prudential Again Honored Among the World's Most Ethical Companies 2022
Ethisphere, a global leader in defining and advancing the standards of ethical business practices, today announced the 136 honorees representing 22 countries and 45 industries that have earned the coveted designation of World's Most Ethical Companies® in 2022. Among those honorees are Pacific Life and Prudential Financial, major participants in the structured settlement industry and issuers of structured settlement annuities. Both Pacific Life and Prudential Insurance Company of America trace their roots back to the 19th Century.
Prudential has been recognized by Ethisphere 8 times while Pacific Life has been named 5 times. It's a great achievement for both. Congratulations, and keep up the good work!
This is the 16th annual recognition of companies that have demonstrated a commitment to ethical business practices through programs that positively impact employees, communities, and broader stakeholders, and contribute to sustainable and profitable long-term business performance. Read the Ethisphere FAQ here
Posted at 11:15 PM in Albany New York Structured Settlements, Bowling Green Kentucky Structured Settlements, Bridgeport Structured Settlements, Bronx New York Structured Settlements, Brooklyn New York Structured Settlements, Conshohocken Structured Settlements, Detroit Michigan Structured Settlements, Hartford CT Structured Settlements, Lexington KY Structured Settlements, Long Island NY Structured Settlements, Missouri Structured Settlements, NC Structured Settlements, New Jersey Structured Settlements, New Orleans Louisiana Structured Settlements, New York Personal Injury, New York Settlement Planning, Newburgh Structured Settlements, NJ Structured Settlements, North Carolina Structured Settlements, Oklahoma Structured Settlements, Pacific Life Structured Settlements, Prudential Financial Inc, Prudential Structured Settlements, Rhode Island Structured Settlements, Rochester Structured Settlements, Sacramento Structured Settlements, San Francisco Structured Settlements, Santa Monica Structured Settlements, Sarasota Structured Settlements, South Carolina Structured Settlements, St. Louis Structured Settlements, Structured Annuity Company, Structured Annuity Issuer, Structured Settlement Industry News, Structured Settlements in Florida, Structured Settlements in Fresno County, Structured Settlements in Georgia, Structured Settlements in Illinois, Structured Settlements in Ithaca New York area, Structured Settlements in Kentucky, Structured Settlements in Louisiana, Structured Settlements in Maryland, Structured Settlements in Michigan, Structured Settlements in Nassau County, NY, Syracuse Structured Settlements, Tulsa Structured Settlements, TX structured settlements, Washington Structured Settlements, White Plains Structured Settlements, WV Structured Settlements | Permalink
Structured Settlement Companies | A.M. Best A or Better for 75 years
The longevity of the life insurance company is an important consideration when you consider a structured settlement for long term or lifetime obligation that may stretch 50 or more years into the future. Among the important items to consider is the insurance company's ratings with third party rating agencies. Structured settlement annuity companies are life insurance companies who issue structured settlement annuities, life insurance and other insurance and financial products. Many structured settlement annuity issuing life insurance companies have been around for more than 75 years, some for more than 100 years.
Peter Piper "Picked a Peck of Future Periodic Payment Payers"
Consistent ratings, reliable payments earns trust
Best's Review, A.M Best periodically publishes a list of life/health insurers with an A.M. Best rating of A (Excellent) or higher for 75 years, a period which has seen numerous wars and economic crises, booms and busts. Ratings used for the publication were current as of April 26, 2020.
Current structured settlement annuity issuing life insurance companies
Metropolitan Life Insurance Company, since 1928
New York Life Insurance Company, since 1928
The Prudential Insurance Company Of America, since 1928
Note each of that each of these life insurance companies has been in existence since the 1800s.
Life insurance companies who used to write structured settlement annuities who have such annuities on their books
Massachusetts Mutual Life Insurance Company, since 1939
A.M. Best also publishes a list of the life/health insurers who have maintained an A.M. Best Rating of A, or higher for 50 years
In addition to the above, the 50 year list includes current structured settlement annuity companies:
American General Life Insurance Company, since 1968
Pacific Life Insurance Company, since 1959
United of Omaha Life Insurance Company, since 1956
United States Life Insurance Company in the City of New York, since 1959
While you may notice that Berkshire Hathaway Life Insurance Company of Nebraska is not on life/health list, this is because the company started in 1993. Its parent National Indemnity Company, a prominent property casualty insurer and reinsurer was founded in 1940 and is has been A or better for more than 50 years on the property casualty side. National Indemnity is used for periodic payment reinsurance , sometimes referred to as reinsurance structured settlements.
USAA Life Insurance Company, currently rated A++ by A.M. Best is part of United Services Automobile Association (USAA) which has been rated A or better since 1927
American Home Assurance Company, which was, for many years, used as the qualified assignment company for structured settlements funded by AIG life company subsidiaries in New York has been rated A or better since 1944, more than 50 years.
Structured settlement annuity companies are among the largest life and health insurers in the United States.
Posted at 10:03 PM in Albany New York Structured Settlements, Bowling Green Kentucky Structured Settlements, Bridgeport Structured Settlements, Bronx New York Structured Settlements, Brooklyn New York Structured Settlements, Connecticut Settlement Planning, Conshohocken Structured Settlements, Detroit Michigan Structured Settlements, Hartford CT Structured Settlements, Lexington KY Structured Settlements, Long Island NY Structured Settlements, Los Angeles CA Structured Settlements, Metropolitan Life Insurance Company, Missouri Structured Settlements, NC Structured Settlements, New Jersey Structured Settlements, New Orleans Louisiana Structured Settlements, New York Personal Injury, New York Settlement Planning, New York Structured Settlements, Newburgh Structured Settlements, NJ Structured Settlements, North Carolina Structured Settlements, NYC Structured Settlements, Palm Beach Structured Settlements, Philadelphia PA Structured Settlements, Rhode Island Structured Settlements, Rochester Structured Settlements, Sacramento Structured Settlements, San Francisco Structured Settlements, Santa Monica Structured Settlements, Sarasota Structured Settlements, Settlements in Queens County New York, South Carolina Structured Settlements, St. Louis Structured Settlements, Structured Annuity Company, Structured Annuity Issuer, Structured Settlement Markets, Structured Settlements in Fresno County, Structured Settlements in Illinois, Structured Settlements in Louisiana, Structured Settlements in Michigan, Structured Settlements in Nassau County, NY, Syracuse Structured Settlements, Tulsa Structured Settlements, TX structured settlements, VA Structured Settlements, Washington Structured Settlements, White Plains Structured Settlements, WV Structured Settlements | Permalink
Prudential Suspends Structured Settlement Rate Book Pricing Due to Extreme Rate Volatility
Due to extreme interest rate volatility, Prudential Insurance Company of America has announced that it has suspended its structured settlement rate book
Prudential ad from 1909 Image: Wikipedia
pricing until further notice, effective March 6, 2020.
What Does This Affect?
Just new structured settlement quotes from Prudential from March 6, 2020.
Why is This Necessary?
Insurers must have assets to match against liabilities under state insurance regulations. Large volumes of business coming in under book rates present challenges that are increasingly difficult to manage when rates are shifting at warp speed. It is actually smart risk mangement on the part of Prudential.
Is This Unusual?
Not at all, Berkshire Hathaway Life of Nebraska and First Berkshire Hathaway Life do not have a published rate book and use daily price quotes for everything. Berkshire is usually there or thereabouts at the top of the production ladder for structured settlement annuity issuers along with others.
How long has Prudential Been in Business?
The Prudential Insurance Company of America (PICA), based in Newark, New Jersey, has been in business since 1875.
As of September 30, 2019 PICA had $1.5 trillion is assets under management, $286 billion in admitted assets and approximately $4 trillion in life insurance in force worldwide. In January 2020 Prudential Financial was ranked the most admired life insurance company in the world by Fortune Magazine for the second consecutive year. As of year end 2018 it had over $831 Billon in assets.
Posted at 02:32 PM in Albany New York Structured Settlements, Annuity News, Bridgeport Structured Settlements, Bronx New York Structured Settlements, Brooklyn New York Structured Settlements, Connecticut Settlement Planning, Conshohocken Structured Settlements, Detroit Michigan Structured Settlements, Lexington KY Structured Settlements, Long Island NY Structured Settlements, Missouri Structured Settlements, NC Structured Settlements, New Jersey Structured Settlements, New Orleans Louisiana Structured Settlements, New York Personal Injury, New York Structured Settlements, Newburgh Structured Settlements, News About Structured Settlements, NJ Structured Settlements, North Carolina Structured Settlements, Oklahoma Structured Settlements, Palm Beach Structured Settlements, Philadelphia PA Structured Settlements, Prudential Financial Inc, Prudential Structured Settlements, Rhode Island Structured Settlements, Rochester Structured Settlements, Sacramento Structured Settlements, San Francisco Structured Settlements, Santa Monica Structured Settlements, South Carolina Structured Settlements, St. Louis Structured Settlements, Structured Annuity Company, Structured Annuity Issuer, Structured Settlement Annuity, Structured Settlement Brokers, Structured Settlement Watchdog®, Structured Settlements Florida, Structured Settlements in Florida, Structured Settlements in Fresno County, Structured Settlements in Georgia, Structured Settlements in Illinois, Structured Settlements in Ithaca New York area, Structured Settlements in Kentucky, Structured Settlements in Maryland, Syracuse Structured Settlements, Tulsa Structured Settlements, TX structured settlements, Washington Structured Settlements, White Plains Structured Settlements | Permalink
Transamerica Structured Settlements Now Being Serviced by Alliance One Services, Inc. Nashville
In May 2017 Insurer Aegon NV (AGN.AE) agreed to sell its two largest U.S. runoff businesses, the payout annuity business, inclduing structured settlement annuities and the bank owned/corporate owned life insurance business to its peer, Wilton Re. Under the terms of the agreement, Aegon's Transamerica life subsidiaries will reinsure $14 billion of liabilities to affiliates of Wilton Re U.S. Holding Inc. AEGON stopped writing structured settlements more than a decade ago.
Wilton Reassurance Company, is a Minnesota domestic life insurance company. It acquired several AEGON assignment companies that were used for qualified assignments for structured settlements funded by life insurers in the AEGON family. Annuitants and payees of structured settlements funded with annuities funded by Transamerica Life Insurance Company, Transamerica Financial Life Insurance Company or Transamerica premier Life insurance Company will find new assignment companies names. For example Transamerica Annuity Service Corporation (TASC) is now Wilton Re Annuity Service Corporation.
The notice to payees sent in late May 2018 states that the sale and the change of name will not affect the rights and benefits that you receive under any policy or contract from the above Transamerica Life Insurance companies.
Wilton Re has hired Alliance One Services Inc. as a third party adminstrator for the run off block of business. Alliance One operates out of Nashville, TN. The custoemr service number remains the same as it was under AEGON, namely 800-866-0002. Business hours for Alliance one are 9-4pm Central Time.
Posted at 02:57 AM in Albany New York Structured Settlements, Bowling Green Kentucky Structured Settlements, Bridgeport Structured Settlements, Bronx New York Structured Settlements, Brooklyn New York Structured Settlements, Connecticut Settlement Planning, Detroit Michigan Structured Settlements, Hartford CT Structured Settlements, Lexington KY Structured Settlements, Long Island NY Structured Settlements, NC Structured Settlements, New Jersey Structured Settlements, New Orleans Louisiana Structured Settlements, New York Structured Settlements, Newburgh Structured Settlements, NH structured settlements, NJ Structured Settlements, North Carolina Structured Settlements, NYC Structured Settlements, Palm Beach Structured Settlements, Philadelphia PA Structured Settlements, Rhode Island Structured Settlements, Rochester Structured Settlements, Sacramento Structured Settlements, San Francisco Structured Settlements, Santa Monica Structured Settlements, Sarasota Structured Settlements, Settlements in Queens County New York, South Carolina Structured Settlements, St. Louis Structured Settlements, Structured Annuity Company, Structured Settlement History, Structured Settlement Industry News, Structured Settlements Florida, Structured Settlements in Florida, Structured Settlements in Fresno County, Structured Settlements in Georgia, Structured Settlements in Illinois, Structured Settlements in Ithaca New York area, Structured Settlements in Kentucky, Structured Settlements in Louisiana, Structured Settlements in Maryland, Structured Settlements in Michigan, Structured Settlements in Nassau County, NY, Syracuse Structured Settlements, TX structured settlements, VA Structured Settlements, Washington Structured Settlements, White Plains Structured Settlements, WV Structured Settlements | Permalink
New Domestic Non Qualified Structured Settlement Option Coming in January 2018.
MetLife will offer a domestic non qualified structured settlement option for employment, environmental, breach of contract and other types of taxable damages in early 2018. The underwriting company will be Metropolitan Tower Life Insurance Company. Full details to follow during the roll out which expected in or about mid-January 2018.
Metropolitan Tower Life Insurance Company Structured Settlements
MetLife announced on May 3, 2017 that Metropolitan Tower Life Insurance Company ("MetLife Tower Life"), a Delaware company and wholly owned subsidiary, would become the primary underwriting company for structured settlement annuities. Metropolitan Tower Life was the successor-in-interest to Metropolitan Insurance and Annuity Company ("MIAC)" that was the qualified assignment company used by MetLife structured settlements until about 13 years ago. At the time it was announced April 26, 2005, MetLife stated that "structured settlement annuities in-force and/or issued prior to December 1, 2004 are the responsibility of Metropolitan Tower Life Insurance Company", which held an A+(Superior) rating from A.M. Best as it does today, with a current size category XV. The company is rated Aa3 (High Quality) by Moodys.
Under the qualified assignment program, MetLife Assignment Company Inc., (MACI) is the qualified assignment company. Upon information and belief the MACI facility will be expanded to take on non qualified structured settlement cases. The periodic payment obligations assigned MACI are guaranteed by Met Tower Life under an Evidence of Guarantee. With $4B+ in assets, Metropolitan Tower Life is a considerably smaller underwriting company in terms of assets than Metropolitan Life Insurance Company. It does however have a strong surplus position of 16.5% of general account assets and a Comdex rating of 96, that exceeds Metropolitan Life Insurance Company [Source: Vital Signs].
Read more about Non Qualified Structured Settlements | Using Structured Settlements to Help Resolve Taxable Damage Lawsuits
Posted at 10:54 PM in Albany New York Structured Settlements, Bowling Green Kentucky Structured Settlements, Bridgeport Structured Settlements, Bronx New York Structured Settlements, Brooklyn New York Structured Settlements, Buffalo New York Structured Settlements, Detroit Michigan Structured Settlements, Hartford CT Structured Settlements, Long Island NY Structured Settlements, Los Angeles CA Structured Settlements, MetLife Structured Settlements, Metropolitan Life Structured Settlements, NC Structured Settlements, New Jersey Structured Settlements, New Orleans Louisiana Structured Settlements, New York Personal Injury, New York Settlement Planning, New York Structured Settlements, Newburgh Structured Settlements, NH structured settlements, NJ Structured Settlements, Non Qualified Structured Settlements, North Carolina Structured Settlements, NYC Structured Settlements, Philadelphia PA Structured Settlements, Rhode Island Structured Settlements, Sacramento Structured Settlements, San Francisco Structured Settlements, Santa Monica Structured Settlements, Sarasota Structured Settlements, Settlement Planning, Settlements in Queens County New York, South Carolina Structured Settlements, Structured Annuity Company, Structured Settlement Annuity, Structured Settlement Industry News, Structured Settlements in Georgia, Structured Settlements in Illinois, Structured Settlements in Ithaca New York area, Structured Settlements in Kentucky, Structured Settlements in Louisiana, Structured Settlements in Maryland, Structured Settlements in Michigan, Structured Settlements in Nassau County, NY, Syracuse Structured Settlements, TX structured settlements, VA Structured Settlements, Washington Structured Settlements, White Plains Structured Settlements, WV Structured Settlements | Permalink
Independent Life Insurance Company | Structures Only Life Insurer New Structured Settlement Option
by John Darer® CLU ChFC MSSC CeFT® RSP CLTC
Independent Life Insurance Company is a new structured settlement annuity provider, in creation for four years, that has been designed with valuable input from structured settlement industry leaders.
Introducing a new structured settlement annuity issuer run by seasoned professionals
Independent Life Insurance Company is exclusively focused on providing annuities for the structured settlement market. As a newly formed and capitalized life insurance company, Independent Life does not have legacy structured settlement annuities on its books with pricing out of alignment with today's low investment environment, factors which contributed to certain companies leaving the structured settlement marketplace in the last decade.
A formal announcement will be made in San Antonio during the Fall Meeting of the National Structured Settlements Trade Association the week of October 18, 2017 with an opportunity to meet the Independent Life executive team:
James D. Atkins, Chief Executive Officer
Donald J. Herrema, Chief Investment Officer
Daniel P. Durbin, VP of Marketing and Sales
Patrick J. Hindert, VP of Business Development
Christopher M. Bua, VP of Internal Sales
Independent Life's structured settlement value proposition is:
Annuities only for the structured settlement market
Comprehensive medical underwriting for qualifying cases
Competitive upper-tier pricing
Unparalleled service and support
Ongoing financial support for broker and planner initiatives that promote the growth of our industry for the benefit of all stakeholders
An executive team with previous structured settlement experience totaling over 100 years in marketing, sales, training, and annuity pricing
Domiciled in a major state with an excellent regulatory reputation
Who is James D. Atkins?
James D. Atkins is the Chief Executive Officer of the Independent Life Insurance Company. Atkins is the former CEO of Legal & General America. Prior to this position Atkins spent 25 years under the GE Financial Services umbrella (First Colony Life Insurance, GE Financial Assurance, and Genworth). During this time he acted in a variety of capacities including the roles of Chief Actuary and Capital Markets Leader. When he joined First Colony it was new in a fledgling structured settlement niche. During his tenure First Colony became one of the largest writers of structured settlement annuities. At its peak First Colony managed in excess of $10 Billion of Structured Settlement contracts. Atkins has broad relationships with the leading reinsurance companies active in the U.S. market and is an experienced insurance company executive.
Who is Donald J. Herrema?
Donald J. Herrema is the Vice Chairman and Chief Investment Officer for Independent Life. Mr. Herrema held a variety of senior leadership positions including being CEO of several, in asset and wealth management, banking, mutual funds, banking and real estate. He began his career at Wells Fargo Bank in his native California, rising through the ranks to become President of Wells Fargo Securities and Head of Mutual Funds. Moving to New York City, Don joined Bessemer Trust, becoming COO and then CEO, leading a period of strong growth in revenues and profitability. Later, he was the Founder, Chairman and CEO of Atlantic Trust, now a subsidiary of CIBC (Canada). Additionally, Don served as Managing Director and Head of Private Wealth Management at Morgan Stanley. He culminated his active working career as Executive Vice Chairman of Kennedy Wilson, a NYSE listed global real estate firm.
Mr. Herrema's Director and Advisor roles include being Independent Chair and Director of TD Bank's US Mutual Funds, Independent Director of AbelNoser Holdings LLC., Independent Director of Lepercq, de Neuflize (both New York City and Luxembourg), Advisor to the Board of Fund Evaluation Group, Senior Advisor at Stone Point Capital, Past President of the Bank Securities Association, Independent Director of Cedars Bank, and an Advisory Board member of Education Equity and NYPPEX. [ Source: LInkedin]
Who is Daniel P. Durbin?
Daniel P. Durbin is Vice President of Marketing and Sales for Independent Life. Durbin is a former lead national sales manager of Allstate Life's structured
settlement division. In this role, he was responsible for relationships within a distribution channel of structured settlement agencies and their independent contractor producers. Allstate's structured settlement annuity distribution channel produced in excess of $3 billion of premiums during his tenure at Allstate Life. Durbin is also a former structured settlement broker and a former Director and President of the National Structured Settlements Trade Association
Who is Patrick J. Hindert?
Patrick J. Hindert is Vice President of Business Development for Independent Life. Hindert has been a leader in the structured settlement industry since 1977. He previously served as President of Benefit Designs, a national structured settlement intermediary, which he owned and managed for 22 years. He has also served as President of the National Structured Settlement Trade Association (NSSTA) and as Executive Director of the Society of Settlement Planners (SSP). Hindert is co-author of Structured Settlement and Periodic Payment Judgments, a legal treatise updated semi-annually since 1986, which is utilized by NSSTA and SSP in their certification programs. Hindert previously authored the blog "Beyond Structured Settlements" and has been a frequent speaker at national conferences sponsored by NSSTA, SSP, NAMSAP, ASNP, NASP and NAELA. Hindert served as keynote speaker at the first national structured settlement conference in Australia in 1994. He provided expert testimony to the United States House Ways and Means Committee in 1981 prior to enactment of the Periodic Payment Settlement Act of 1982.
Note: Independent Life Insurance Company is not related to Independent Life & Accident, of Jacksonville, which was merged into American Genera Life Insurance Company in 1997.
Posted at 02:03 PM in Albany New York Structured Settlements, Bowling Green Kentucky Structured Settlements, Bridgeport Structured Settlements, Bronx New York Structured Settlements, Brooklyn New York Structured Settlements, Buffalo New York Structured Settlements, Chicago Illinois Structured Settlements, Connecticut Settlement Planning, Detroit Michigan Structured Settlements, Hartford CT Structured Settlements, Long Island NY Structured Settlements, Los Angeles CA Structured Settlements, Maryland Structured Settlements, New Jersey Structured Settlements, New Orleans Louisiana Structured Settlements, New York Personal Injury, New York Settlement Planning, New York Structured Settlements, Newburgh Structured Settlements, News About Structured Settlements, NH structured settlements, NJ Structured Settlements, North Carolina Structured Settlements, NYC Structured Settlements, Palm Beach Structured Settlements, Philadelphia PA Structured Settlements, Rochester Structured Settlements, Sacramento Structured Settlements, San Francisco Structured Settlements, Santa Monica Structured Settlements, South Carolina Structured Settlements, St. Louis Structured Settlements, Structured Annuity Company, Structured Annuity Issuer, Structured Settlement Annuity, Structured Settlements Florida, Structured Settlements in Fresno County, Structured Settlements in Georgia, Structured Settlements in Illinois, Structured Settlements in Ithaca New York area, Structured Settlements in Louisiana, Structured Settlements in Miami Florida area, Structured Settlements in Nassau County, NY, Syracuse Structured Settlements, TX structured settlements, VA Structured Settlements, Washington Structured Settlements, West Virginia Structured Settlements, White Plains Structured Settlements, WV Structured Settlements | Permalink
What is Risk Based Capital? Safety of Structured Settlements and Insurance Cos Part 2
by John Darer CLU ChFC MSSC RSP CLTC
Risk Based Capital is an important regulatory tool designed to maintain solvency of insurance companies.
What is Risk Based Capital?
Risk-based capital is a method developed by the National Association of Insurance Commissioners ( NAIC) to measure the minimum amount of capital that an insurance company needs to support its overall business operations. Risk-based capital is used to set capital requirements considering the size and degree of risk taken by the insurer. For example, it requires a company with a higher amount of risk to hold a higher amount of capital. Capital provides a cushion to a company against insolvency. Currently there are four major categories of risk that must be measured to arrive at an overall risk-based capital amount. These categories are:
Asset Risk- a measure of an asset's default of principal or interest or fluctuation in market value as a result of changes in the market.
Credit Risk- a measure of the default risk on amounts that are due from policyholders, reinsurers or creditors.
Underwriting Risk- a measure of the risk that arises from under-estimating the liabilities from business already written or inadequately pricing current or prospective business.
Off-Balance Sheet Risk- a measure of risk due to excessive rates of growth, contingent liabilities or other items not reflected on the balance sheet..
RBC formula requirements can be higher or lower than the fixed state minimum capital requirements (which are typically $1 to $2 million), but each insurance company must meet both sets of standards. For virtually all medium to larger insurers, the capital requirements generated by the RBC formula are higher than the state fixed capital standards.
What Are The Origins of Risk Based Capital Standard?
The NAIC's Risk Based Capital Standard for life insurance companies was established in 1993 as an early warning system for U.S. insurance regulators [separate RBC for P&C in 1994 and health insurers in 1998]. The adoption of the U.S. RBC standard was driven by a string of insurer insolvencies that occurred in late 1980s and early 1990s, such as Baldwin United, Charter and Executive Life and ELNY. The NAIC established a working group to look at the feasibility of developing a statutory risk-based capital requirement for insurers. The RBC regime was created to provide a capital adequacy standard that is related to risk, raises a safety net for insurers, is uniform among the states, and provides regulatory authority for timely action. It has two main components:
The risk-based capital formula, that established a hypothetical minimum capital level that is compared to a company's actual capital level, and
A risk-based capital model law that grants automatic authority to the state insurance regulator to take specific actions based on the level of impairment.
What Tools Does a Regulator Have Under the Risk Based Capital Standard?
Regulators have the authority and statutory mandate to take preventive and corrective measures that vary depending on the capital deficiency indicated by the Risk Based Capital result. These preventive and corrective measures are designed to provide for early regulatory intervention to correct problems before insolvencies become inevitable, thereby minimizing the number and adverse impact of insolvencies. The NAIC RBC formula generates the regulatory minimum amount of capital that a company is required to maintain to avoid regulatory action.
There are four levels of action that a company can trigger under the formula:
Company action
Authorized control
Mandatory control levels.
Each Risk Based Capital level requires some particular action on the part of the regulator, the company, or both. For example, an insurer that breaches the Company Action Level must produce a plan to restore its Risk bsed Capital levels. This could include adding capital, purchasing reinsurance, reducing the amount of insurance it writes, or pursuing a merger or acquisition.
Risk Based Capital formulas are constantly under review for refinement,iImprovement in factors and updating for new risks and a changing environment.
See 2016 RBC update at: http://www.naic.org/insurance_summit/documents/insurance_summit_160517_financial_risk_based_capital_update.pdf
NAIC website
NAIC White Paper The US National State Based System of Insurance Financial Regulation and the Solvency Modernization Initiative 2010 http://www.naic.org/documents/committees_e_us_solvency_framework.pdf
Rick Based Capital For Insurers Model Act January 2012 http://www.naic.org/store/free/MDL-312.pdf
Recommended Approach for Updating Regulatory Risk-Based Capital Requirements for Interest Rate Risk for Fixed Annuities and Single Premium Life Insurance June 2014, American Academy of Actuaries http://www.naic.org/documents/committees_e_capad_lrbc_aaa_c3pi_report_140611.pdf
Risk Based Capital for Insurers in the United States Illinois State University https://math.illinoisstate.edu/krzysio/MAT483/RBC.pdf
What is Surplus? Safety of Structured Settlements and Insurance Cos Part 1
Posted at 11:08 PM in Albany New York Structured Settlements, Annuity FAQ, Bowling Green Kentucky Structured Settlements, Bridgeport Structured Settlements, Bronx New York Structured Settlements, Brooklyn New York Structured Settlements, Buffalo New York Structured Settlements, Chicago Illinois Structured Settlements, Connecticut Settlement Planning, Detroit Michigan Structured Settlements, Hartford CT Structured Settlements, Jacksonville Florida Structured Settlements, Lexington KY Structured Settlements, Louisville Kentucky Structured Settlements, Maryland Structured Settlements, Missouri Structured Settlements, New Jersey Structured Settlements, New Orleans Louisiana Structured Settlements, New York Personal Injury, New York Settlement Planning, New York Structured Settlements, NH structured settlements, NJ Structured Settlements, North Carolina Structured Settlements, NYC Structured Settlements, Orange County Structured Settlements, Palm Beach Structured Settlements, Rhode Island Structured Settlements, Rochester Structured Settlements, Sacramento Structured Settlements, San Francisco Structured Settlements, Santa Monica Structured Settlements, Sarasota Structured Settlements, South Carolina Structured Settlements, Structured Annuity Company, Structured Settlements in Florida, Structured Settlements in Georgia, Structured Settlements in Ithaca New York area, Structured Settlements in Kentucky, Structured Settlements in Louisiana, Structured Settlements in Miami Florida area, Structured Settlements in Michigan, Structured Settlements in Nassau County, NY, Suffolk County Structured Settlements, Syracuse Structured Settlements, TX structured settlements, VA Structured Settlements, Washington Structured Settlements, White Plains Structured Settlements, WV Structured Settlements | Permalink
Deferred Acquisition Cost Tax | Looking Under The Insurance Company Hood
Could insurance companies, including those that issue structured settlement annuities, offer more to their customers if a 27-year-old revenue sapping regressive Federal tax were abolished?
The Deferred Acquisition Cost Tax (DAC Tax), introduced with the Revenue Reconciliation Act of 1990 which established IRC 848, is a federal tax on insurers [ including insurers that issue structured settlement annuities} that does not allow insurers to immediately deduct expenses incurred in putting business on the books,
What's the FAQ DAC?
even though the expenses are actual. These expenses often exceed the premiums paid in the early years of different types of insurance. Therefore, insurers are taxed on the premiums paid before any profits are made. This is a phantom tax on nonexistent money. The formula artificially inflates the taxable income of insurers for the current year by deferring expenses to future years. In theory, after an insurer starts to recoup the deferred expenses, a credit is issued toward the current year's tax bill, which is inflated as a result of the current year's DAC. However, the only way for the insurer to even approach break even is to stop growing. Otherwise, the dissipation of surplus restricts an insurer's ability to write new business and it reduces funds needed for product development.
Contrast this with modified cash basis accounting required by state regulators. Statutory accounting is a modified cash basis of accounting. Expenses are written off when paid, whether the asset is admitted or not.
The impact of this growth-inhibiting, regressive tax on smaller companies is dramatic, according to the National Alliance of Insurance Companies. This tax policy has disproportionately retarded the growth of the smaller insurers. These companies have the ability and need for greater growth than the larger companies. While larger companies, which have mature surpluses, may opt for a slow growth or no-growth strategy in order to counter the effects of the DAC Tax, this option is not available to smaller companies. In fact, some small companies are paying Federal Income Tax well in excess of 100% of statutory income says NALC.
A comment appearing on the Actuarial Outpost boils it down nicely: "Taxes impact earnings which impacts the amount of money you have to invest. By paying more taxes earlier there is less money to earn interest on, and the effect is cumulative".
In an environment where government seems to want to cut taxes and create jobs and growth, it seems that this is a worthy button to push.
If have the urge to explore your inner geek, you may find the Society of Actuaries Federal DAC Tax to be a helpful read, with a little espresso.
Posted at 08:46 PM in Albany New York Structured Settlements, Bronx New York Structured Settlements, Brooklyn New York Structured Settlements, Buffalo New York Structured Settlements, CT Structured Settlements, Dallas Fort Worth TX Structured Settlements, Insurance Company News, Jacksonville Florida Structured Settlements, Lexington KY Structured Settlements, New York Personal Injury, New York Settlement Planning, New York Structured Settlements, Newark NJ Structured Settlements, Orlando Florida Structured Settlements, Palm Beach Structured Settlements, Philadelphia PA Structured Settlements, Providence Rhode Island Structured Settlements, Rhode Island Structured Settlements, Rochester Structured Settlements, Sacramento Structured Settlements, San Diego Structured Settlements, San Francisco Structured Settlements, Santa Monica Structured Settlements, Sarasota Structured Settlements, Seattle Structured Settlements, Settlements in Queens County New York, St. Louis Structured Settlements, Stamford Structured Settlements, Staten Island Structured Settlements, Structured Annuity Company, Structured Annuity Issuer, Structured Settlement Brokers, Structured Settlements, Structured Settlements in Fort Lauderdale FL, Structured Settlements in Georgia, Structured Settlements in Maryland, Structured Settlements in Massachusetts, Structured Settlements in Miami Florida area, Suffolk County Structured Settlements, Syracuse Structured Settlements, Tampa Structured Settlements, TX structured settlements, VA Structured Settlements, Virginia Structured Settlements, Washington Structured Settlements, West Virginia Structured Settlements, Westchester Structured Settlements, White Plains Structured Settlements, Wisconsin Structured Settlements, WV Structured Settlements | Permalink


As part of its 40th anniversary celebrations, Virgin revisits its past and releases a new, 'finished' version of its original 1973 logo.
It's typical. You wait ages for a reminder that some of the biggest 21st century corporations grew out of the hippy counterculture of the 1970s... and then two come along at once.
Yesterday we note how the Steve Jobs movie poster recalls how Apple was founded by an acid-dropping Buddhist rebel. And here comes a reminder of how megacorporation Virgin began life as a small-time mail-order record label for lovers of hippy music such as Gong's Flying Teapot (Radio Gnome Invisible, Pt. 1).
Dean was happy with the original design, he says, "but I always wanted to do a much more elaborate final, final drawing". However, "the original drawing has just been waiting in four different studios over the years, as I've moved from place to place".
Last Christmas, Dean finally finished it and made three versions: one in black and white; another in black and white with sepia sky, and a third in colour. These are now available to buy as limited-edition prints from his website.
The best album designs from music's greatest decade: the 70s!
Have you spotted a big brand getting playful with its logo? Let us know about it in the comments!


October and Ice Cream Cake – One Half Indian.
Wow, it has been a while since I have posted anything, and I need to get back in the groove. A lot has happened since my last post. First and foremost, I am pregnant with a baby boy, and we could not be happier! I am 24 weeks and loving every minute. October was full of events with the celebrating our pregnancy, our nephew's birthday, my sister-in-law's birthday, Diwali, Karvachauth, our second anniversary, and Halloween. It was so much fun and wonderful quality time with family. I had the pleasure of making my nephew's ice cream cake for his birthday which was so fun. This ice cream cake is one that my mom made for us growing up and was a family favorite.
Our Second Anniversary: We celebrated at a local Indian Restaurant.
This cake is delicious and loved by anyone who likes ice cream! However, it is not really a "home made" item. More of several store bought items mixed together to make a yummy kid-friendly cake.
Mix crushed oreos with the melted butter.
In the bottom of a 9×13 cake pan, press the oreo-butter mixture into the bottom of the pan. Be sure that all surface area is covered with a relatively even amount of oreos. This is the crust. Freeze for at least 30 minutes.
Spread 1/2 of the ice cream in the pan. I let my ice cream get soft and then spread it. This was not easy to be honest and felt stressful. My mom says to buy the "carton" style ice cream and then just slice the carton into thin slices as if it was bread. You can then lay these slices on top of the oreos. Be sure the ice cream is covering as much of the bottom as possible. Freeze for at least 30 minutes, or longer.
Warm fudge slightly so that it is spreadable but not warm. Spread 1/3 of your fudge on top of the ice cream. This can just be swirls or dollops of fudge here or there, you do not need to cover every inch with fudge.
Place the baked chocolate cake on top of the fudge. Spread 1/3 of the fudge on top of the cake. Again, this can be in swirls or dollops and does not need to cover the whole pan. Freeze for at least 30 minutes or until firm enough to work with.
Remove from freezer and put last 1/2 gallon of ice cream on the cake covering as much of cake pan as possible. Freeze for at least 30 minutes or until firm.
Spread whipped cream across the top of the cake. I made my own whipped cream but you could also just buy it. I also piped some designs around the edge of the cake with the whipped cream. Decorate with sprinkles and chunks of broken oreo cookies.
Freeze for 30 minutes or until the whipped cream is set. Cover and freeze for at least 24 hours before serving to ensure that all layers are set.


Pitillos have created their version of the classic plain fronted derby lace-up, 4833-v30. The materials used are premium quality, and the superbly soft tan leather upper provides immediate comfort. These derby panels have very simple three-eyelet lacing ties, offering easy adjustability and assured stability.
The interior lining is made from a thermal and super absorbant textile. The wicking properties help to evacuate perspiration from the footwell and keep the environment within the shoe both cool and dry. A padded removable insole maintains a high level of cushioning underfoot. Being removable it reaffirms Pitillo's commitment to a hygienic footwell and offering fantastic comfort.
The outsole is a fantastically lightweight base. It's moulded into a refined shape allowing this design to be worn for both casual and formalwear. A flexible material with multi-directional tread keeps the wearer supported and comfortable. A superb shoe, that's incredible value for money.


Yardley Oatmeal Light Cover Foundation Normal to Combination Skin Wheat 30ml expertly covers and conceals blemishes and imperfections for skin that looks naturally even and flawless. It is enriched with hydrating minerals and has a light, silky texture that is easy to apply.
Use to create an instant, flawless looking complexion. Enriched with hydrating minerals, this foundation will hide and conceal blemishes for a smooth, natural looking complexion. The light silky texture is easy to apply and spreads evenly across your skin. May contain: CI 77891 (titanium dioxide), CI 77491, CI 77492, CI 77499 (iron oxides). Yardley London. 0800 INDIGO (463446). www.yardley.co.za.
Yardley. Oatmeal. Minerals enriched with hydrating. Endorsed by dermatologist. Light cover foundation. Hides imperfections. Light, even colour. Normal/combo skin. Wheat.
Water, Cyclopentasiloxane, Dimethicone, Cera Alba (Beeswax), Caprylic/Capric Triglyceride, Cetyl Dimethicone, Cyclomethicone, Crosspolymer, Polyglyceryl-4-Isostearate, Cetyl PEG/PPG-10/1 Dimethicone, Hexyl Laurate, Sodium Chloride, Octamethylcyclotetrasiloxane, Aluminium Magnesium Hydroxide Stearate, Nylon-12, Bisabalol, Algae (Fucus Vesiculosus) Extract, Hydrolysed Oats, Propylene Glycol, Disodium EDTA, Methylparaben, Benzoic Acid, Phenoxyethanol, Imidazolidinyl Urea.


Before even attempting assembling and soldering the cube4 I tested every single LED to make sure they each worked and could light up red, green, and blue. Once I verified that every LED was working I began assembling and soldering. Once everything was finished, I plugged in the cube4 to my MacBook and it began the testPattern sketch. Here is a video of the result.https://youtu.be/Oq5D3Fn6sEk Instead of the LED lighting up (233) the LED that's three below it (on the very bottom panel- 230) lights green and then the correct LEDs light up as they should. I also notice another LED that lights a slight green when 233 should be on during the testPattern sketch- 013. The LEDs xyz position is 233. The solder joints on the LED looks ok, and the other connections also look ok. Where should I begin in diagnosing this problem? Last resort is to desolder this LED and replace it. Thanks in advance for any help!
Funny i just went through this today. Being quite amateur about it i had desoldered the thing and put it together and even replaced two of the LEDs, i started putting it together piece by piece after that. After each layer of PCB i would test it through the test pattern. Most of the time it just had to do with the actual joints, even though they look fine it doesnt take much to have a half a joint on an led still making a fuss.
One thing i did was even though the colours weren't all connected exactly right ( when all white you have a few strange colours) i waited for the test pattern to finish and then i used the Arduino IDE's serial monitor tool to type in a command " all white; " this would then light them all white and i would begin diagnosing.
What i was told about LEDs is that they never lie. Its always going to be either the solder, joint or polarity. Probably not the right thing to do but while in the white mode i tweaked the ones that didnt work with my solder iron which would disrupt the polarity on the joint to show me where the issue was. Basically id move the soldering iron ( just tapping not melting the solder) on each of the joints on the led if that didnt help i would move to the bigger solder joints on the pcb, this was quite a quick way to do it and i wish i had done that prior to pulling it apart. Now it works great.