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Privacy Policy
Last Updated: February 07, 2012
Welcome to URUMON, an online service which consists of, among other things, software that you have downloaded or are about to download, any software that you have embedded on a web site or are about to embed ("URUMON Apps"), any applications created by URUMON and available through web sites, any software/service running on URUMON's servers ("URUMON Software"), content, related documentation, information on the URUMON domain, and information made available by users to each other through the URUMON Software (collectively, the "Service"). Your privacy is important to us and, as described in this Privacy Policy, we have designed the Service to protect information about you from unauthorized disclosure to others. This Privacy Policy explains how we collect, use and, in certain circumstances, share your personally identifying information. Please read this Privacy Policy carefully, and if you have any questions, feel free to contact us.
By using the Service, you consent to the collection and use of your personal information as outlined in this Privacy Policy, as such policy may be amended from time to time. We may update the Privacy Policy and if we do, we will post a notice that changes have been made on the website www.URUMON.com. You should visit this page periodically to review any changes to the Privacy Policy.
What We Collect
The personal information we collect is gathered from several sources. These include our websites, affiliates, retailers and partners, as well as the purchases our customers make via the web, telephone, direct mail, email, and other electronic sources. From these sources we may collect postal addresses, e-mail addresses, company names, job titles, telephone numbers, and demographic information about individuals.
We may use information about you that we collect from other sources, including but not limited to newspapers and Internet sources such as blogs, instant messaging services, URUMON Apps and other users of URUMON, to supplement your information.
URUMON may contain links to other websites. We are of course not responsible for the privacy practices of other web sites. We encourage our users to be aware when they leave our site to read the privacy statements of each and every web site that collects personally identifiable information. This Privacy Policy applies solely to information collected by URUMON.
You should also be aware that most content delivered through URUMON applications/games/widgets originates with another content provider. Such other content providers may place "cookies" on your browser, or otherwise gather information about you, including by asking you to provide information through the site itself.
Finally, in order to provide the best possible service and to allow us to make certain internal reports and make recommendations, we collect aggregate information about the use of the Service, including information about users accessing the URUMON site or utilizing URUMON Apps or other URUMON software on other sites, such as internet protocol addresses, browser type, browser language, referring / exit pages and URLs, other browser history, platform type, number of clicks, domain names, landing pages, pages viewed and the order of those pages, the amount of time spent on particular pages, and the date and time ("Activity Information").
Examples of the types of personal information we may collect include:
Contact Information. We may collect your job title, contact information, such as your telephone number, mailing address, email address, and fax number.
Purchase-Related Information. We may collect purchase-related information, such as billing address, credit card number, and bank account information, as well as purchase history from you.
Information We Collect Automatically. For each visitor to our websites, our web server automatically recognizes the visitor's domain name, IP address, technical information about the visitor's web browser, and geographic information as determined by the visitor's IP address, but no other identifiable information unless volunteered. In addition, we collect aggregate information on what web pages visitors access or visit, including pages outside of our website.
By using the Service, you consent to our retaining all the above-described information as URUMON sees fit.
How We Use Your Information
Improving our products/services. The information we collect is used to improve our offerings, to customize the content and layout for each individual user, and/or to notify users about updates to our offerings as well as marketing communications.
Contacting customers about their purchases. As part of our customer service and purchase process, individuals may be contacting by us through mail, e-mail, and/or phone so that we may communicate with them about their order, offer customer support, request product surveys, and seek updates concerning their account profiles.
Sharing with Third Parties. To the extent allowed by law and regulation, we may share aggregate statistics about our customers with reputable third party vendors. We will never share any company-specific business information with a third party. Certain information such as email address, telephone number, postal address, your password and payment information is never disclosed in any form whatsoever to any outside party, with the exception of providers who handle our payments.
You understand and agree that we may access, preserve, and disclose any information we may have about you and the contents of your account if required to do so by law or in a good faith belief that such access, preservation or disclosure is reasonably necessary to avoid liability, to comply with legal process, such as a search warrant, subpoena, statute, or court order, or to protect our rights and property, or that of our affiliates or the public. URUMON is not required to question or contest the validity of any search warrant, subpoena or other similar governmental request that URUMON receives.
URUMON may maintain copies of your Content indefinitely, or delete certain Content in whole or in part if URUMON determines, in its sole discretion, that such Content constitutes an "Infringing Posting" or a "Prohibited Posting" as defined in our Terms of Use or for any or no reason.
We also use non-Personally Identifiable Information and certain technical information about your computer and your access of the Service (including your internet protocol address) in order to operate, maintain and manage the Service.
URUMON may disclose information about you to its partners in order to provide the Service, resolve service problems and correct errors in the Service, to communicate with you about the Service, to provide you with advertising and promotional information in connection with the Service, and to enhance your experience on the Service. However, we do not give our partners an independent right to share this information.
Due to our contractual obligations with these third parties and the need to share information to deliver and support the Service, we cannot provide you with the opportunity to opt-out of sharing information (whether Personally Identifiable Information or other information) with these third parties.
URUMON, certain of its partners, and each of their contractors and employees may view the Content that you transmit to the service to provide the Service and otherwise perform the tasks set forth in this Privacy Policy.
Controlling Your Personal Information
Be advised that if you send messages or post material containing personal information, that information may be collected and used by others.
You can terminate your account at any time. URUMON, however, may (but is not obligated to) keep information about you that is on its system following your termination. Please contact URUMON to terminate your account or for any other questions about your personal information.
Transfer of Information
We reserve the right to transfer your personal information in the event of a transfer of ownership of URUMON or the acquisition of substantially all the assets of URUMON related to the business which collected such information, such as acquisition by or merger with another company. In such an event, URUMON will notify users who have provided email addresses when information about those users is transferred and becomes subject to a different privacy policy.
The Service sends "cookies" to your computer when you access the URUMON site, or otherwise view content through a URUMON App, or use other URUMON webservices and the Service uses such cookies as described in here. The Service uses cookies to improve the quality of our service, make recommendations, and make the Service easier to use for our users. A cookie is a small text file recorded on your hard drive that identifies you as a unique user and contains certain information about your particular login session and/or your use of the Service.
Log File
Log file information is automatically reported by your browser each time you view a web page. When you register with or view the URUMON Sites, our servers automatically record certain information that your web browser sends whenever you visit any website. These server logs may include information such as your web request, Internet Protocol ("IP") address, browser type, browser language, referring / exit pages and URLs, platform type, number of clicks, domain names, landing pages, pages viewed and the order of those pages, the amount of time spent on particular pages, the date and time of your request, and one or more cookies that may uniquely identify your browser.
Clear Gifs
When you use the URUMON Sites, we may employ clear gifs (a.k.a. Web Beacons) which are used to track the online usage patterns of our Users anonymously. No personally identifiable information from you URUMON account is collected using these clear gifs. In addition, we may also use clear gifs in HTML-based emails sent to our Users to track which emails are opened by recipients. The information is used to enable more accurate reporting, improve the effectiveness of our marketing, and make URUMON Site better for our Users.
Third-Party Advertising Companies
We may use third-party advertising companies to serve ads on our site and on certain games and URUMON Apps. Our system and the third-party advertising technology uses information derived from Activity Information, URUMON's cookies on your hard drive, your visits to our site, the URUMON Apps that you view and the URUMON webservices you use to target advertising within our site or URUMON applications or URUMON webserivces. In addition, our advertisers may use other third-party advertising technology to target advertising on our site and other sites. In the course of advertisements being served to you, a unique third-party cookie or cookies may be placed on your computer. Similarly, third-party advertising companies may provide us with pixel tags (also called "clear gifs" or "beacons") to help manage and optimize our online advertising. Beacons enable us to recognize a browser's cookie when a browser visits the site on which the beacon is located, and to learn which banner ads bring users to a given site.
Use of Information
URUMON may contain links to other web sites, and content in URUMON Apps and URUMON webservices may be hosted by other web sites. In addition, as described above, most content offered through URUMON Apps or URUMON Webservices is served or hosted by other sites. These other sites maintain their own policies regarding cookies and the collection and use of personal information. It is up to you to review those policies yourself.
URUMON takes appropriate precautions to protect our users' information. We have in place reasonable physical, administrative, and technical safeguards designed to protect your information from unauthorized use. For example, when you submit sensitive information, such as credit card or payment information, via our websites, the information is protected both online and offline. Generally, we use third-party payment providers that have passed required PCI-DSS compliance rules to handle any online payments. When our registration or subscription form asks for a credit card number or other sensitive information, that information is encrypted and protected in transit with industry-standard encryption software. Despite these precautions, no data security safeguards are foolproof. Unauthorized individuals may find ways to obtain information about you from us. Although this is unlikely, if we learn that such information was obtained without authorization and there is a risk of fraud or identity theft, we will take steps to mitigate any potential harm. If you have any questions about the security of URUMON Web Site, please contact us at support (at) URUMON.com
California Residents: Your California Privacy Rights
Under California law, California Residents who have an established business relationship with URUMON or one of its subsidiaries may choose to opt out of URUMON disclosure of personal information about them to third parties for direct marketing purposes. As detailed above, our policy is not to disclose personal information collected online to a third party for direct marketing purposes without your approval. If you choose to opt-out at any time after granting approval, email
support (at) URUMON.com
URUMON © 2012. All Rights Reserved


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Accounting and finance professions have each undergone nothing short of a complete transformation since the Institute of Finance and Management (IOFM) was founded in 1982 and since then our mission has been, and continues to be, to align the resources, events, certifications, and networking opportunities we offer with what companies need from the accounting and finance functions to deliver market leadership. IOFM empowers accounting and finance professionals to maximize the strategic value they offer their employers.
Our enduring commitment to serving the accounting and finance professions is unmatched. IOFM has certified over 25,000 accounting and finance professionals and serve several thousand conference and webinar attendees each year.
IOFM is proud to be recognized as the leading organization in providing training, education and certification programs specifically for professionals in accounts payable, procure-to-pay, accounts receivable and order-to-cash, as well as key tax and compliance resources for global and shared services professionals, controllers, and their finance and administration (F&A) teams.

subset: commoncrawl


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Which bottlenecks need be addressed when using social media in marketing campaigns? My model gives you insight in the potential bottlenecks of your viral marketing campaign.
There are many more bottlenecks to address in many of the sub processes at each stage. But the main idea is to understand the potential bottlenecks at each stage of the resharing process. A funny video could be all that's needed for someone to share your message (read my article about great viral examples). A reward (e.g. prize, gift) could also convince someone to share your message. Putting someone in the spotlight could also be a great idea (e.g. a Facebook widget that shows your friends how many trees where planted as a result of each of your purchases at a well known webshop. Who planted the most trees?).
Feel free to share your social media success below or any comments on my model!


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Sports Team reporter Emmott Leigh was at Sandy Park yesterday to see Exeter Chiefs clinch a less than convincing victory against Welsh side Ospreys.
A poor display of technical ability and discipline was not enough to prevent the Chiefs from recording a second victory over Welsh opposition in as many weeks, clinching a 36-22 win in a high-scoring LV= Cup match.
As Chairman Tony Rowe said, Exeter were revelling in the glory of their previous 'excellent and hard-fought victory' over the Cardiff Blues in the Heineken Cup, where even the likes of Leigh Halfpenny and Alex Cuthbert were unable to stop them from achieving a 13-19 upset.
However, they were still equally guilty as Ospreys for the woeful series of knock-ons and ill-adjudged kicks which accompanied the start of this match. Beginning with the very first kick (an Ospreys slice which ballooned straight into touch), neither side were able to launch a sustained assault on the other as the penalties mounted. The first side to break through the barrier was in fact Ospreys, when Dafydd Howells capitalised on the yardage gained from a driving maul to ease over the line.
After the sloppy conversion attempt missed by several feet, the Exeter side found another gear and set up their own drive for Cowan-Dickie to ground the ball from the back of the pack, although there was a possible case for obstruction as the backs cut through the opposing line.
No matter; such controversy was instantly forgotten when the Chiefs decided to hand a try back to the grateful Welshmen in comical fashion. An inconsequential grubber kick was hopelessly misjudged and snatched by the grateful Morgen Allen to score.
Following a routine penalty in the Chiefs' favour, the half-time whistle was blown and Exeter were trailing 8-10. They had been more dominant in the scrum, and marginally better towards the end of the half with their hands despite the selection of some inexperienced academy players, but guilty of small errors when it counted most.
Perhaps it was not surprising then that the home portion of the 8,760 fans filling the stadium roared as one in encouragement of their promising side as the second forty minutes began. They were soon rewarded as a brace of converted tries sent the scoreboard rattling along to 22-10, James Scaybrook charging through a trio of defenders to barge over and Cowan-Dickie grabbing a second.
Surprisingly, their efforts were immediately equalled by the rallying Ospreys, who secured one dazzlingly eloquent sequence of offloads to score through Jenkins before Grabham burrowed over as well.
At this point, the Welsh side seemed to tire. As they saw less and less possession, the Chiefs grew more and more confident and James Phillips soon restored their lead with a try. By the time flanker Don Armand had shuffled over the tryline, the result was beyond doubt.
Another victory for a weakened Chiefs team leaves them in contention to progress to the semi-finals. However, even if it might be 'fantastic' for Rowe to see Tom Johnson and Jack Nowell in the England squad, you feel that they were missed.
Like Exeposé Sport on Facebook and follow us on Twitter for all the latest in university, local and global sport.bookmark me


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The Instigator
Pro (for)
0 Points
The Contender
Con (against)
0 Points
A Short Debate of Convincing
Post Voting Period
The voting period for this debate has ended.
after 0 votes the winner is...
It's a Tie!
|Voting Style:
|Point System:
|7 Point
|2 years ago
|Post Voting Period
|382 times
|Debate No:
Debate Rounds (1)
Comments (2)
Votes (0)
I was under a bit of debating with myself regarding one of my views being Global Warming. I've come across a lot of arguments stating its existence although I am kind of stubborn and am not willing to let go of my current beliefs. My opinion on the matter is bound to be swayed if someone takes this challenge to try and convince me. This debate is not to be voted on, it is simply a discussion to see whether I am convinced.
Thank you!
1) Many scientists have come to the same conclusion
Nasa and a lot of other organizations had come to the conclusion that global warming does exist. because global warming does exist it would mean that people would have to cut back on there CO2 emissions in order to help protect the environment.
You can see on the nasa website a lot of information about global warming: http://climate.nasa.gov...
I hope I was able to convince you!
2 comments have been posted on this debate. Showing 1 through 2 records.
Posted by Delta2401 2 years agohttps://www.youtube.com...
However, if you want some really long videos debunking many of anti-climate change people directly, there are plenty of them out there I have found I can link you to.
I used to be like you myself, not willing to accept it. There were plenty of good sounding arguments making fun of the scientist and how it was just a money/power conspiracy. And while I have come to conclude that yes, perhaps many politicians are exploiting this towards their own interest - that doesn't change the fact that to me, they have proven to me beyond a shred of doubt now the climate change is real. And C02 is a huge part of it.
Posted by WKOJ 2 years ago
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Window Treatments & Blinds for High Windows
- Cover high spots for additional privacy
- Consider light control needs on high windows
- Protect interior from UV rays and heat gain
- Versatile top down/bottom up to preserve view
- Add motorization for easier operation
A tall wall full of windows provides great views and plenty of light, but may let in damaging UV rays or unwanted heat. Hard to reach areas usually require custom made blinds for high windows. Determine how much light control you need and if you'd like your shade to be adjustable. If you don't plan on raising or lowering your shades, choose a cellular shade with light filtering qualities that fit your needs. For total control over your shade, we suggest motorization that will allow you to raise, lower, or tilt your blinds with a remote control instead of struggling to grab a hold of those hard to reach window treatments.
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Levolor® Accordia™ Cellular Shade: Transformations™ 2-in-1 Shade
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customer reviews for hard to reach
"great purchase"
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I didn't know such a product existed. It is perfect for our basement windows. We wanted a light filtering shade for most of the time but there are times when we want it dark. We are confident that these Levelor shades will perform as well as our other Levelor shades which are now 14 years old.View this product


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Jump to a section:
- Understanding Your Extended Health and Dental Plan
- Smart Shopping Tips… to Help Control Plan Costs
- Know Your Limit and Claim Within It
- Plan Member Tips
- Pension Plan Sustainability Study
- Progress Report on Pension Plan Finances
- The Rev. Dr. M. Edgar and Marion Burch – Gift to the Pension Fund
- In Memory of … Remembering Those We Lost in 2013 – 2014
Understanding Your Extended Health and Dental Plan
Much has changed in the last few years in the way we submit our health and dental plan claims. Reimbursement for claims is now more practical than ever. Many service providers, such as your massage therapist, physiotherapist, chiropractor or optometrist, to name a few, have registered with the TELUS Health eClaims system so that your claim can be conveniently processed at the point of service, similar to the way your dental claims are submitted electronically.
This means that you no longer pay for the cost of the paramedical service up front and then submit either online or by paper claim. Instead, your claim is processed immediately by the service provider via the TELUS Health system and Sun Life immediately pays the service provider for the cost of the service.
Other eClaim Options
You also have other ways to submit claims online:
- web (mysunlife.ca )
- iPhone and Blackberry, using the my Sun Life Mobile app (sunlife.ca/mobile)
- android and other smartphone devices (sunlife.ca/mobile)
Pay Direct Drug Card
By now many of you will have used our new Pay Direct Drug card (PDD) to purchase your prescriptions. The PDD card works just like your provincial senior's drug card and co-ordinates any amount of your prescription cost that is not covered by your provincial coverage.
The PDD card allows the pharmacist to submit your prescription claim directly to Sun Life for reimbursement. If you are purchasing a generic drug, the only amount that you are responsible for paying is the difference between the plan's dispensing fee cap and the pharmacist's dispensing fee.
Be an Informed Health and Dental Plan Member
Although submitting our claims is more convenient and "greener" than ever, understanding the plan's provisions and limitations will provide you with the best value and help us to manage the overall cost of the plan. Take the time to review your benefits plan. You will find a copy of Your Group Benefits booklet on the Pension and Benefits web page.
Smart Shopping Tips… to Help Control Plan Costs
Generic Drugs
You already know that requesting a lower priced generic drug for a brand name drug will help control rising drug costs in our plan. In fact, this was one of the significant reasons for the decision to implement a "mandatory generic" provision starting in January. Smart shopping means letting your pharmacist know that our plan will only reimburse the cost of an equivalent generic drug. Or, you could continue to accept the brand-name drug and pay the difference out of pocket between the cost of the brand and the generic.
Prescription Refills
Smart shopping means understanding when it is most cost effective to refill your regularly prescribed medications. For example, one of the easiest ways to control dispensing fees is to purchase a three-month supply of regular maintenance medications, whenever possible. Dispensing fees for a three-month supply is more cost effective to the plan than if you request three separate monthly supplies. Remember, in the long run, these additional fees add significant cost to the benefits plan.
Treatment or Services
You wouldn't ask your mechanic to repair your car until you knew exactly the cost of the repair and why it is needed. Smart shopping also means speaking to your dentist or health care provider before receiving treatment or services. This is the concept behind the dental "predetermination" provision, which we are already familiar with and use.
A predetermination pre-approves which procedures of the planned treatment will be covered by our dental plan; however, the predetermination process does not take into account the annual limit or any previous charges already applied to the annual limit. It is your responsibility to check with Sun Life to see if any previous charges, plus the pre-approved predetermination charges, exceed the annual limit. You may even decide to postpone some of the treatment to a later date.
Dentists are free to set their own fees for services. Be sure to ask your dentist to explain what each code means and whether alternative treatments or procedures are available to you. Remember, you will be required to pay the difference between what the dentist charges and what our plan covers.
Know Your Limit and Claim Within It
Here is a list of common services with specific limits*.
|Paramedical Service
|Annual Coverage
|Paramedical Service
|Maximum Coverage
|Speech or massage therapist
|Psychologist and/or social worker
|Vision care
|$100 in any 24 month period
|Audiologist, dietician or occupational therapist
|Ophthalmologist or optometrist
|$50 over 2 benefit years
|Osteopath, chiropractor
|Hearing Aids
|$250 over 2 benefit years
|Podiatrist, chiropodist, naturopath
|Dental Care
|Annual Coverage
|Dental Care
|Maximum Coverage
|Maximum amount for all procedures (basic and major restorative)
|$2,000 per benefit year
|Major restorative procedures
|50% of eligible procedures
*Lifetime Maximum Benefit
Under the Retiree Extended Health Care, the maximum amount paid for any person is $50,000.
Plan Member Tips
- Keep your benefits plan information confidential. Your Pay Direct Drug card, contract number, ID code and any other plan details should be kept private and stored in a secure location.
- Request receipts from your pharmacist, dentist and service provider, and check carefully to ensure they reflect the actual product or service provided.
- Don't sign blank forms in advance of services provided.
- Don't substitute products or services. It's unacceptable to charge for a product or service that is covered by our plan while actually buying another non-eligible product or service.
Benefits Booklet Updated
Our Group Benefits Booklet for Retired Employees was updated to include the benefit changes that took effect January 1, 2014. Other wording or provincial legislative updates are also included by Sun Life. A copy of the booklet may be sent to you upon request.
The booklet is also available on the Pension and Benefits Board web page.
Pension Plan Sustainability Study
In the fall of 2013, the Pension and Benefits Board established a Pension Plan Sustainability Study Group. The Board asked the study group to answer two questions:
- Can we keep the pension promise in a way that allows continuation of the church's mission and ministry?
- What steps need to be taken to ensure that we can keep the pension promise into the future?
The study group was made up of three members of the board: a retired minister, an active minister and a member of staff. In addition, the Rev. Dr. Peter Coutts and the Rev. Dr. Stuart Macdonald were consulted for their analysis of church statistics regarding future denominational trends. The actuarial firm of Eckler Limited was contracted to conduct a study of the plan's long-term viability. The study group met with the actuaries on four occasions over a five-month consultation process.
Assessing the Plan
The consultants asked the study group to provide a forecast of the expected growth or decline in the church over the next 15 years. Specifically, the study group was asked to provide details with regard to the
- number of new enrolments; new graduates
- new ministers' ages, qualifying incomes, full-time or part-time positions
- number of congregational members
- number of congregations and projections on their future dollar base
The study group was also asked to review the modelling assumptions and other baseline methods to be used by the actuaries in their analysis of plan sustainability. Areas of study included
- a stable membership; will the number of future retirees be replaced by new hires
- the aging of the active membership
- the cost of pensions already earned by current active members
- the cost of pensions being paid to retirees
- the impact of the assumption used to value future pensions, called the discount rate
Unique Realities of the Plan
The sustainability study evaluated the Presbyterian Church in Canada Pension Plan's unique realities: the plan is a mature plan with more retirees than active members, few members retire at the 95 factor with many working past age 65, and we have both congregational and non-congregational employers whose contributions are assessed in different ways. Such a study means that the Pension and Benefits Board can speak with much greater accuracy and certainty about the plan's sustainability than the more generic "going concern" and "solvency" measurements.
Results of the Sustainability Study
The results of the sustainability study were both encouraging and concerning for the Pension and Benefits Board. The study indicated that The Presbyterian Church in Canada Pension Plan is sustainable over the 15-year window of the study; however, it will be very challenging for the church to meet the funding requirements for the next five years.
The study showed that because of the minimum funding requirements needed to fund the solvency deficit, that is, to be 100% funded at a specific date in time, contributions from members, congregations and other employers are not sufficient for the next few years. The plan will need to seek out additional sources of funding each month starting July 2014.
The Board was heartened to learn that because contribution rates were substantially increased, the plan is receiving more contributions than should be required to pay pensions to retirees over the long term. As a result, the study indicated that contribution payments may be able to be relaxed in about five years. This is good news for the pension plan.
The Board is also encouraged by the stronger equity returns of the last year and these more positive results are starting to show when our actuaries provide their quarterly reports.
Additional Sources of Funding
The immediate obligation is to continue to make additional "special payments" to the pension fund while the pension plan remains in a deficit position. In July 2014 the reserves in the plan that the church has been using to address the solvency requirements will be exhausted. At that time, the church will need to find additional sources of funding over and above what is presently put into the plan by plan members, congregations and other employers.
Two New Funding Sources from the Assembly Council
The Pension and Benefits Board presented an updated report of the need for additional sources of pension plan funding to the Assembly Council in March. In response to this need, Assembly Council provided the pension plan with two new sources of financial support.
- Assembly Council revised its undesignated bequest policy so that until 2018, 15% of all undesignated bequests to the church will be transferred to the pension fund.
- Assembly Council established a new policy so that, effective April 1, 2014, 25% of funds realized from the closure and dissolution of congregations is set aside and is used to address the pension fund solvency. This policy will be in effect until 2018 and reviewed prior to this date.
Pension Plan Changes
Realizing that contributions from congregations are probably as high as can be expected and that active members are contributing at the maximum limit, the Pension and Benefits Board carefully considered other changes within the pension plan for additional sources of funding. The General Assembly approved the following recommendations:
- Non congregational employer contributions (from the colleges, national office, camps, other ministries) will be increased effective January 1, 2015 and January 1, 2016
- Vacant congregations will no longer be exempted from contributing to the pension plan
- The method for crediting interest to member contributions will change
These changes do not affect pensions currently being paid to retirees, but they do help the church to meet its financial obligations with regard to the pension plan for the next several years. A full report of the Pension and Benefits Board can be found in the 2014 Acts and Proceedings, when it is distributed by the General Assembly office in July.
The Pension and Benefits Board has asked the study group to monitor the results of the sustainability study to the actual fund performance for the next two years and the Board will keep you up to date in a future newsletter.
Progress Report on Pension Plan Finances
As communicated to you in 2013, our plan has taken advantage of provincial funding relief options that have given us additional time to eliminate our current funding shortfall. Funding relief has no effect on the pensions now being paid to our current retirees or to the pensions already earned by actively working members. Benefits earned to date cannot be changed and are fully protected under the terms of the plan. However, in the unlikely event that the plan wound up within the next 10 years (while we are making reduced special payments), there would be less money to pay benefits than there would be without funding relief.
As permitted under the Pension Benefits Act of Ontario, we have:
- consolidated the existing funding shortfall as of June 30, 2011 and arranged to spread special payments over five years starting July 1, 2011
- deferred the start of special payments for any new shortfall identified on June 30, 2011, to July 1, 2012, and arranged to spread special payments over 10 years; and
- arranged to spread special payments for any new shortfall identified on July 1, 2012, over 10 years.
We are happy to report that less than 1% of our members objected to us taking these steps. However, even with these measures in place, congregations and employers must contribute $10.9 million annually as of January 1, 2014. Special payments required to fund the solvency shortfall are scheduled to stop in June 2023. In 2013, member contributions to the plan totalled $3.9 million and employer and congregation contributions to the plan totalled $6.0 million.
As of June 30, 2012, which was the date of our most recent valuation and solvency relief report, our plan had a transfer ratio of 65.2%. This means that if the plan had wound up on that date, it would have had enough funds available to cover 65.2% of the full value of the pensions earned by current and retired members. The previous solvency relief report (June 30, 2011) showed a transfer ratio of 79.1%.
If you have questions regarding this information, email the Pension Administrator or call 1-800-619-7301 or 416-441-1111.
The Rev. Dr. M. Edgar and Marion Burch – Gift to the Pension Fund
The Pension and Benefits Board is both grateful and humbled by the generous gift bequeathed to the Presbyterian Church in Canada Pension Plan by the Rev. Dr. M. Edgar and Marion Burch estate. An amount of $500,000 was received in May and a further distribution of $300,000 is expected by the end of the year. Dr. and Mrs. Burch served in the Mimico Presbyterian Church, Toronto, Ontario.
In Memory of… Remembering Those We Lost in 2013 – 2014
The Rev. John C. Brush
Mrs. Margaret Crabb
Mrs. Anne M. Currie
The Rev. Thomas A. Duke
Mrs. Gertrude Dutcher
Mr. Brian Emery
The Rev. Derwyn J. Hill
Mrs. Mildred Jennings
Mrs. Vera R. Kemble
The Rev. Calvin Claude MacInnis
Mrs. Mary McElwain
Mrs. Ruby Isobel McKeown
The Rev. Dr. Edward McKinlay
The Rev. Dr. Kenneth G. McMillan
The Rev. John A. Neilson
Mrs. Victoria Pollock
The Rev. Fairlie Ritchie
The Rev. William Scott
Mrs. Gwendolyn Shantz
The Rev. Dr. Ruth Syme
The Rev. Dr. Harry E. Waite
The Rev. David Walker
The Rev. Dr. Calvin H. Chambers
The Rev. Dennis W. Clarke
The Rev. Robert A. Crooks
Mrs. Elinor Cunningham
The Rev. Dr. Allan M. Duncan
The Rev. Dr. Gordon Fish
The Rev. Murray Graham
The Rev. Everett Hawkes
The Rev. Dr. Thomas Hay
Mrs. Audrey McBride
Mrs. Jeannie F. Middleton
The Rev. Hugh L. Nugent
The Rev. Edward O'Neill
Mrs. Cornelia W. Stiel
Mrs. Elizabeth Sutherland
The Rev. Keith Wilcox
Reminder … Canada Life Assurance Company Questionnaires
Some of our retirees who retired before 1997 receive their PCC pension from two sources each month: Canada Life Assurance Company and RBC-Investor Services. As you know, prior to 1997, the church purchased an annuity for each retiree. Today, Canada Life still maintains sole responsibility for the payment of the annuity.
From time to time, Canada Life requests confirmation of your contact information in order to update their records. There is usually a suggested timeframe in which to respond. Please be sure to respond to their questions as soon as possible in order to avoid an interruption of your pension payment.
If you've completed and returned the Canada Life questionnaire but still find that your pension payment was stopped, please call the Pension and Benefits office, Pension Administrator, at 1-800-619-7301, ext. 229.
About this Newsletter
This newsletter provides summary information about The Presbyterian Church in Canada's pension and benefits plans. It is not intended to be complete or comprehensive, or to provide legal or medical advice. If there are any discrepancies between this bulletin and the wording in the legal documents that govern the plans, the legal documents will apply in all cases.
Download a PDF of this newsletter
For more information, contact Pension and Benefits by email or call 416-441-1111 or 1-800-619-7301 ext. 287.


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Unparalleled Customer Service
We are passionate about serving your needs. From the very early days, we decided we didn't want to just process transactions but to build our business on the very best customer service possible.
When you call us, a person answers the phone! We recognize the urgency of your processing issues.
We're experts in our field, and we care about you and your organization. You'll know us on a first-name basis, and we'll take care to respond quickly to your question or concerns.
Aggressive Pricing
We're acutely aware of how payment processing fees affect your bottom line. That's why we offer some of the lowest pricing in the industry with no hidden fees.
The typical savings compared to many other processors is about 10%-40%.
Smooth and Easy Setup
Process with us in 4 easy steps:
1. We'll get a couple signatures from you, basic business information, and a voided check so we know where to put your money.
2. Your account should get approved in about a day.
3. Once approved, will take care of set up, so that there is no technology hassle for you. We will either
- reprogram your existing equipment
- ship you new equipment that's plug-and-play, already linked to your bank account
- if you are using a virtual terminal or software, you will receive a welcome email containing the login and password
4. That's it! You can sit back and relax, or get back to doing what you do best. We believe that when you win, we win. And hopefully, by providing value to you, you'd be willing to refer us to your friends that you know who also accept credit cards.
The Latest Technology
We stay on the forefront of technology to help keep you're business competitive.
- Analytics and Business Intelligence
- Gift Cards and Digital Loyalty
- Mobile Payments
- POS Systems
- Chip Cards & Contactless like Apple Pay
We believe business can be a force of good.
Polaris was founded on the idea that it's always better to do the right thing. We do business with ethical transparency, unsurpassed responsive customer service, and fair pricing. Putting you first is at the core of our business model.
Giving Back
Since our founding in 2011, we've generously given back a portion of our profits to charity. It's our small way of helping make the world a better place. And we believe it's the right thing to do.
We also offer ridiculously low rates to nonprofits. We're committed to supporting the greater community by not only giving financially, but by leveraging our expertise and resources.
And just because we generously give back doesn't mean we are more expensive! Most merchants find they save about 10%-40% when compared to many other payment processing companies.


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Fuel Prices and The Summer Driving Season
With misinformation floating around about gasoline costs, it may be helpful to explain a few of the factors that influence prices at th... Read More
Developing California's oil-bearing Monterey Formation could mean up to 195,000 new jobs, more than $22 billion in personal income and $6.7 billion in new taxable sales for the San Joaquin Valley, according to a new study by economists from California State University, Fresno.
A new study released by General Electric provides some encouraging predictions for the shale gas industry. A white paper titled the Age of Gas finds that natural gas is becoming a focal point of global energy supply and demand.
Bruce Katz, who makes his living by making big ideas accessible to the likes of me, was telling a roomful of prosperous Pittsburghers Wednesday that we're sitting pretty if we play our cards right.
More than one third of the U.S. natural gas production increase expected between 2013 to 2033 -- some 9.1 billion cubic feet per day -- will come from the Utica and Marcellus shale formations in the Northeast, an oil and natural gas analytics firm said Tuesday.
The U.S. is expected to overtake Saudi Arabia as the world biggest total supplier of oil this year when natural gas liquids and biofuels are added to crude, PIRA Energy Group said.
Hydrofracking is driving a major change, and could make the Northeast a major natural gas supplier to the Southeast, according to a new report.
You may have noticed that the US is in the midst of a dramatic turnaround in oil production. This turnaround is often referred to as the "shale revolution." Certainly the marriage of the decades-old techniques of hydraulic fracking and horizontal drilling had a huge role in this reversal as shale plays across the country became economical prospects for the first time.
The U.S. oil and gas industry added new jobs faster than the total private sector during the year that ended in June, jumping 2.6 percent over the previous year and pushing the industry's roster past 1 million jobs nationwide, according to a new report.
Drilling and production in Texas continues to rise, putting the state on track to be among the world's largest producers of oil by the end of the decade, a Texas regulator told a Houston audience Monday.
Joy M. Ruff is excited about the economic opportunities that Marcellus shale is creating in the region -- and believes everyone should be.
Just the Facts Read More
Most expensive regulations ever
Technical Docs for Energy Industry Read More
Expert Opinions about Energy Read More


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Free online jigsaw puzzle of a black cat outside. The cat has yellow eyes and a small patch of white fur on his chest.
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text:
Last time I went in for a Pap smear, the panic started in the lobby. I filled out the paperwork through blurred vision, closed my eyes, counted my breathing. In, two, three, four, hold…. out, two, three, four, hold… the panic ebbed but lingered, resurged, breathe, two, three, four… they called me back.
I got through the conversation with the nurse wondering if she failed to notice my red eyes or thought them better left unmentioned. The doctor came in to me perched on the paper-covered exam table in my shirt but no undies, no socks, covered in a ridiculous paper blanket that was the only barrier between her rape instruments and my most vulnerable opening. I told her about the panic. She offered to go slow, to use the smallest possible speculum, I could stop her anytime.
It didn't matter. When I lay back on the table, I was a bug upturned. Legs open but everything else clenched against her push. It is impossible to write what it's like to have the speculum shoved inside me, but "shoved" is a start—because the speculum, of course, has never been jammed up my vagina. I've had gentle and caring practitioners, but it doesn't matter. Experientially, the instrument is a shovel scraping gravel inside of me, it's a drill that worms into my core, a rip and a tear that opens me from the vagina down my center and through my soul. After the last Pap I was tortured by images of the gynecologist tearing me open like a doll, rending me with her bare hands. I ripped like thread.
To lie on my back is vulnerable. From my back, it would require an immense outpouring of core strength just to sit up. I can't mobilize quickly. I can't run, or fight, except to kick. I can't fend off anything or anyone except with my legs, which I've been asked to splay. I channel great emotional strength to keep my feet in the stirrups because the speculum is a spear and I don't know that I won't be robbed of everything when the spear rams into me. I don't know that. So I try to keep my heels in their cups, I pretend that the paper blanket is covering me where it matters even though I know she can see everything, and half the world, half of me, is in my vagina right now, and it's exposed. The rest of me is… somewhere.
I leave myself, kind of. I'm not up on the ceiling looking down, I'm not out of my body, quite. But I can't be in my body, either. I'm just somewhere. And I can't breathe and she asks how I'm doing. I'm not okay. Would I like her to continue? Just keep going. It's awful. She scrapes, and I feel it IN.SIDE me. She's apologizing because she knows I'm not okay. It's done, but it's not done, it lingers, my vagina knows it's been there, it's not okay, it is not okay. I've done wonderfully. Do I feel this way during sex? Healthy sex requires communication! Light banter about men and how hurtful they can be, advocate for yourself! It's a pit, where everything was, half my world, it's a pit that's nauseous. You can't hug a hole inside you, it's just there. It's too deep to reach. It's ravaged and nauseous and in me. Deep in me. Deep, deep, deep.
On my birthday this year, Nursing Clio published this article by Lizzie Reis about her experience getting fitted for a cervical cap at the Berkeley Women's Health Collective. And a bell went off in my head. What if I reclaimed the Pap smear by inserting my own speculum?
When I called to make my appointment at A Balanced Life Healthcare last week, I was sure to let the receptionist know that I'm a rape survivor, and that I wanted to consult with the practitioner before my exam. I brought my sister with me to the appointment, and I asked the doctor how she felt about me inserting the speculum myself. She was totally open to the idea, and showed me not just the speculum, but the other tools she would use to take samples of my tissue. My sister modeled for us on the exam table, and the doctor used a plastic model of the female reproductive organs to show me the most effective angle of insertion. I was giddy. I peered into the plastic vagina and it was the dummy, the object—not me.
The doctor left the room, and I applied lube to the plastic speculum and opened my own body. I clambered onto the table. My sister helped me tilt the exam table up like a chair, and we called the doctor in. I invited her to look into my body, that I had opened willingly. There was no push. There was no shovel, no rape, no rending, and I stayed. When she left the room again to allow me to dress, I became nauseous as usual and the light-headedness descended. I thanked myself silently for refraining from eating before the appointment, and I breathed. I put my head down. And I knew that I would be okay. I was nauseous, but I wasn't flooded. I didn't need to leave myself. The doctor sent me home with my very own plastic speculum.
It's been a few days since the exam, and there is a subtle shift in me. This is my body. This is my vagina, mine to open, mine to claim, mine to speak for, mine to protect, to love. This place in me feels sacred for the first time in years. It feels like it can maybe be a portal for loving energy, and not just for sex and hurt.
I'm writing this because I hope that for some person, maybe, the kind of exam I had can make a similar difference. I'm writing this because even the gentlest practitioner can't completely shift the power dynamic for her patient when it is she who holds the instrument. I'm writing this because I have hope and hope multiplies when it is shared. Today in my journal I wrote:
It opened,
shifted, connected
The difference is slight
but affects everything
the cracks now align, allow a
shaft of light
where before there was only a jagged edge
opening on darkness
this cave has become


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All the traditional Middle Eastern ingredients are introduced to the reader (and the history of the ingredient) alongside spices (Ras el Hanout, Dukkah and Za'atar) and blends such as the Baharat Spice Mix. Key grains, fruits and nuts are also introduced. The majority of recipes are easily accessible and ingredients can be purchased at your local supermarket. With everything else there is Sous Chef.
- Good Morning Starters, recipes to try include Ijeh (Fluffy Egg Fritters with Tomato Salsa) Kibdet Il Djaj, Za'atar Scones and Figs with Labneh & Honey on Toasted Bread.
- Hearty Pulses and Grains, stand out recipes to try include: Shorabet Freekeh (Freekeh Soup), Rummaniyeh, (Lentil & Aubergine Stew with Pomegranate Molasses), Cumin Lentils & Rice with Caramelized Onions, Maftoul (Palestinian Pearl Cous Cous with Caraway, Chicken, Onions & Parsley), M'sabaha (Warm Chunky Chickpeas with Cumin, Garlic & Yogurt) and Kubbet Batata Helweh (Sweet Potato Kubberh with Green Herby Salsa).
- Vibrant Vegetarian: Recipes to try include: Bamyeh Bil Zeit (Oven-baked Okra with Olive Oil, Tomatoes & Onions), Batata Harra (Spicy Coriander & Garlic Potatoes) and Teta Huda's Mussaka's (Fried & Baked Spicy Aubergine & Tomato Stew).
- The Mighty Lamb & Chicken: Standout recipes include Makloubeh (Upside down Spiced Rice with Lamb & Aubergines), Shakriyeh (Lamb shanks Cooked in Yogurt Sauce with Burgul & Vermicelli), Jawaneh (Chilli Chicken Wings) and Mashbous - Auntie Noha's Recipe (Dried limes & Spiced Chicken Rice Platter).
- Fragrant Fish: Recipes to try include: Saffron & Lemon Cod with Jewelled Herby Rice, Samak Meshwi Wa Batata Harra (Halibut Baked Over Spicy Potatoes), Sultan, Ibrahim, Makli Wa, Salatet Adas (Fried Red Mullet with Preserved Lemon & Lentil Salad) and Sumac & Za'atar Roasted Monkfish.
- Sweet Tooth: Standout recipes include: Yaffa Orange Cheesecake, Halaweet Il Jibin (Sticky Sweet Cheese & Cream), Tahini Brownies and Banana & Medjool Date Cake.
The recipe that I would like to share with you is the Bamyeh Bi Zeit (Oven- Baked Okra with Olive Oil, Tomatoes & Onions.
Serves 4 -6
700g okra tops cut off
4 onions cut into half and sliced
4 tomatoes cut in half and sliced
10 garlic cloves, sliced lengthways
1 tablespoon tomato puree
juice of 6 lemons
150ml olive oil
1 teaspoon paprika
1 green chill, chopped
2 tablespoon ground coriander
2-3 tablespoon sea salt
500ml water
a bunch of fresh coriander
Preheat the oven to 190C fan (210C/415F/Gas mark 6-7)
Place all the ingredients, except the water and half the fresh coriander, in a baking tray and mix together. Cover with the water and then core the whole tray with foil.
Bake for about 60-75 minutes until you have a rich stew consistency. The liquid in the tray will become thick and sticky with the tomatoes and lemon, so keep checking the consistency during the cooking time. If at any time during the early stages of cooking the water has evaporated too much simply add more.
Serve with fresh coriander scattered over the top and some bread, if liked.
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UPDATE, Feb. 21, 2018:
Alas, it wasn't meant to be. While Poptheatr managed to wrangle $14,719 in funding from 114 backers, the theater-in-a-bag failed to reach its stated fundraising goal of $40,000. The fundraiser closed on Feb. 17.
There are no updates on the Kickstarter page since Feb. 17, but a comment on Feb. 16 implies that this won't be the last the world will hear from Poptheatr.
"We have learned a lot about the platform and how to better market our product, and we plan on relaunching our campaign within the next few weeks with a different strategy in mind," the comment reads.
Earlier, on Feb. 1, 2018:
Recommended for you
Recommended for you
Recommended for you
In this day and age, an average movie ticket will run you about $9. That price point is a contributing factor, analysts say, for 2017 being one of the worst box office years on record.
Related: Reading the best Black Panther comics is cheaper than a movie ticket
Nowadays, more and more viewers are spending time watching content on their phones at home. In 2016, Netflix estimated that half of all its users were watching content on a mobile device.
More: MoviePass pulls out of 10 AMC theaters, but don't worry — you can still use your card in Austin
And, with the proliferation of MoviePass, which promises up to a movie a day in the theater for the monthly rate of a little more than the average movie ticket, the movie-going landscape is rife with change, and there's no sign of stopping. One startup even wants to deliver same-day releases from the theater to the viewer at home.
Now, a Kickstarter for a product called Poptheatr is here to solve the next step in our collective content-viewing woes: What do you do when you want to watch something on your phone or tablet, but don't actually want to hold the mobile device, or when your arm falls asleep from having to keep the screen in one location for an extended duration of time?
More: Sky Cinemas, new concept from Violet Crown creator, is now open
You put it on a platform above you, stick a bag over your head, and watch your Netflix lying down.
Yes, really.
Poptheatr is advertised as "your own private theater that provides you with a comfortable, personal viewing experience when watching on your mobile device."
Take a look:
Basically, you press play, put your phone on a see-through plastic sheet on the top of the bag, stick your head in the bag, and immerse yourself in your own little world of content. It also comes with a remote and a Bluetooth speaker that you also put on the top of the bag. The bag is also collapsible, so you can take your theater bag anywhere, like in the screenshot above.
Related: Let's talk about the 'Avengers: Infinity War' trailer
The FAQ page on the Kickstarter promises that the bag won't get too hot if you stick your head in there for too long, and assures you that you can still eat while watching your movie/TV show/etc.
Poptheatr was started after the creators were looking for a project for their California high school engineering class. And, to be fair, the simple solution presented here for a problem we didn't even know we had will serve these kids well in the future.
More: I watched the 'Christian Netflix' for a week. Here's what I learned.
So far, the venture has raised a little more than $7,000 on Kickstarter and has until Feb. 17 to reach its stated $40,000 goal.
A pledge of $54 or more gets you one Poptheatr, which apparently will retail for a cool $119. For the introverted high rollers among us who would like to experience a communal moviegoing experience in separate bags, 10 Poptheatrs can be had for pledges of $476 or more.
"We've developed the perfect solution to the long-lived problem of watching movies and shows on mobile in discomfort," one of the creators says in the pitch video.
Look, this looks cool and all, but if this gets fully funded and sent to market, I'm waiting for the rash of news stories about people getting their phones stolen from them while using this in public, or a ton of memes of people just looking goofy (which isn't necessarily a bad thing. We haven't really had a good product craze since Pokémon Go.).
If anything, this is an extremely First World problem to have, and I couldn't stop thinking of "Wall-E" when I first saw the pitch video.
Anway, what do y'all think? If you want your very own Poptheatr, get to pledgin'. You only have until Feb. 17, and since this is an "all or nothing" deal on Kickstarter, if it doesn't reach its goal, it won't get made.


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Joel Dickens
Joel Dickens moved to Australia from England in 2003 and now lives and works in Sydney. Inspired by children's drawings, graffiti and outsider art, Joel's large-scale works are vibrant bold and spontaneous. Referencing pop-culture, folklore, philosophy and mythology, Joel's paintings challenge the viewer to contemplate a wide range of topics such as corporate culture, politics, consumerism and the human condition. Joel holds a BA (Hons) in Fine Art and his work is held in private collections nationally and internationally. He is represented by Arthouse Gallery, Sydney and Branco Gallerie, Buenos Aires.


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The Bronx Household of FaithSummer Sunday School: Hebrews 10:19-25
Each summer, we memorize a passage of Scripture together and spend time each week digging deeper into what we've been memorizing. Please feel free to join us!
Sunday School: 10:00 AM (July 1 – September 2)
Worship Service: 11:00 AM (each Sunday)
City Lights
A Bend in the Road
A Bend in the Road... ...but not the end of the road. In a dramatic turn in the direction of our lives, we are now ensconced in Massachusetts to be close to our children who will be able to more closely monitor our life's journey. We are in good health...read more
"If You Have Your Bibles…"
If You Have Your Bibles . . . turn to [passage reference]; if you don't have your Bibles, repent!" [laughter] Thus the speaker began the meeting. But if I would dare to borrow a line from Queen Victoria, "We are not amused" when it comes to people not...read more
Even If You Should Suffer: Thoughts on the Supreme Court's Latest Ruling
In I Peter 3: 14 we are given an essential perspective for facing the coming cultural upheaval the Supreme Court's decision on same-sex 'marriage' will generate: "But even if you should suffer for righteousness sake, you will be blessed." Much of the response to that arrogant redefining of the God-given, universally accepted and historically practiced "natural marriage" from Christian and conservative writers has been to warn of further efforts to punish and silence those who oppose Continue readingread more
Season of Lent
In ancient Israel, the calendar was all about the story of God's redemption. The church through the ages maintained a calendar as well. It is centered around the life of Christ: Advent, Christmas, Epiphany, winter ordinary time, Lent, Holy Week, Easter, Pentecost, summer ordinary time and then back to Advent. Continue readingread more


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text:
Dr Simon Hale-Ross
Dr Simon Hale-Ross
Lecturer0113 81 29526 email@example.com
About Dr Simon Hale-Ross
Dr Hale-Ross is Lecturer in Law at Leeds Law School and his research focuses on global security and cyber security, terrorism, counterterrorism law and policy, terrorist electronic communications, policing and surveillance, international human rights and civil liberties. Dr Hale-Ross has his monograph due out for publication shortly, and has written a number of articles examining the current extremist (Islamist) terror threat, posed by the Islamic State narrative. He often attends and presents at counterterrorism and humans rights related conferences worldwide.
Undertaking lectureships previously with Liverpool John Moores University's School of Law, and Edge Hill University's department of law and criminology, Dr Hale-Ross's teaching specialisms are: Public Law, EU Law, International Crime and Security, Terrorism Studies, Foreign Policy and the EU, Alternative Dispute Resolution and Property Law. As a result of his commitments to student learning he won the Amazing Personal Tutor of the Year Award for 2015. He also developed a partnership between the School of Law at LJMU and the Chartered Institute of Arbitrators (CIArb), resulting in the School being awarded Recognised Course Provider status.
Prior to academia, Dr Hale-Ross worked for many years in legal practice and is an accredited negotiator and mediator with the Chartered Institute of Arbitrators.
Current Teaching
- Property Law
- Equity and Trusts
- Conveyancing
Research Interests
- Terrorism and Counterterrorism Measures
- Policing and Digital Surveillance
- International Organised Crime and the EU
- Public Law
- International Law
- EU Law
- International Human Rights
- Civil Liberties
- Society and the Law


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Semi Frameless Privacy fencing is a fantastic option to provide maximum privacy in your pool area.
- Frosted glass appearance
- It blocks out neighbours, unsightly backyards and sheds while allowing light to filter through into your pool area.
- We use Acid Etched 10mm Grade A safety glass
- Aluminum glazing posts
- Polished 316 marine grade stainless steel glazing posts.


text:
Musick Torrent does not host any file or offers the users the option to upload any kind of files, it only hosts .torrent links and magnet links with download information. Both .torrent files and magnet links are collected from other websites, so Musick Torrent and its administrator are not responsible for such content. For any type of communication with Musick Torrent you can contact form. In this website, only access is allowed to people over 18 years, so if you are a minor you are asked to leave the page immediately.use our
Rocky Diamonds - Loner
Torrent for Rocky Diamonds - Loner
01 - Loner Ft Tory Lanez (Prod By Lavih)
02 - Still Focused (Prod By Audio Jones)
03 - Go Out And Get It Ft Oshea (Prod By Xl)
04 - Thank Me (Prod By Lavih)
05 - Bitches Lie (Prod By Max Dollas)
06 - Down (Prod By Feb9Th)
07 - Slime Ft Jr Donato (Prod By Tarentino Of 808 Mafia)
08 - Face (Prod By Protege Beatz)
09 - Tryna Find Love (Prod By L&X Music)
10 - By The End (Prod By Ryan Ryu)
11 - One More Day (Prod By 1Bounce)
Music - 15 October 2014


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Governor Wahome Gakuru involved in serious road crash
Tuesday November 7 2017
Nyeri Governor Wahome Gakuru was Tuesday morning seriously injured in a road crash at Kabati along the Thika-Sagana highway.
Dr Gakuru was taken to Thika Level 5 Hospital for emergency treatment.
The governor was heading to Nairobi to attend a talk show accompanied by his bodyguard and driver when the vehicle he was travelling in veered off the road and hit a rail guard.
Photos of the wreckage of the Mercedes Benz at the scene of the crash was doing rounds on social media platforms following the unfortunate incident.
Nyeri deputy governor Mutahi Kahiga confirmed the crash reassuring Kenyans that the governor was in a stable condition at the hospital where he was rushed.
He said that he was not aware about the condition of the governor's body guard and driver as he had not arrived at the hospital.
The governor, he said, will be airlifted to Nairobi Hospital for further treatment.
"We are working with the Council of Governors to have the governor airlifted to Nairobi Hospital. I have not arrived at Thika Level 5 Hospital to give more details on their condition," he said.
Kenyans online wished the governor and his aides quick recovery.
Pauline Njoroge tweeted "praying for Nyeri Governor Wahome Gakuru who has just been rushed to hospital after a grisly road accident. It shall be well."
Thuku Kariuki also wrote "I wish Nyeri Governor Gakuru, driver and bodyguard a quick recovery after the grisly road accident. You are in our prayers."
More follows.


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This is a summary of the European public assessment report (EPAR) for Pregabalin Mylan Pharma. It explains how the Agency assessed the medicine to recommend its authorisation in the EU and its conditions of use. It is not intended to provide practical advice on how to use Pregabalin Mylan Pharma.
For practical information about using Pregabalin Mylan Pharma, patients should read the package leaflet or contact their doctor or pharmacist.
- What is Pregabalin Mylan Pharma and what is it used for?
Pregabalin Mylan Pharma is a medicine used to treat adults with the following conditions:
- epilepsy, where it is used as an 'add-on' to other epilepsy treatment in patients who have partial seizures (epileptic fits starting in one specific part of the brain);
- generalised anxiety disorder (long-term anxiety or nervousness about everyday matters).
Pregabalin Mylan Pharma contains the active substance pregabalin.
Pregabalin Mylan Pharma is a 'generic medicine'. This means that Pregabalin Mylan Pharma contains the same active substance and works in the same way as a 'reference medicine' already authorised in the European Union (EU) called Lyrica.
- How is Pregabalin Mylan Pharma used?
Pregabalin Mylan Pharma is available as capsules (25, 50, 75, 100, 150, 200, 225 and 300 mg) and can only be obtained with a prescription. The recommended starting dose is 150 mg per day, divided into two or three doses. After one week, the dose can be increased to 300 mg per day. Doses can be increased further until the most effective dose is reached. The maximum dose is 600 mg per day. To stop treatment with Pregabalin Mylan Pharma the dose should be reduced gradually, over at least a week. Patients who have kidney problems may need to take lower doses.
- How does Pregabalin Mylan Pharma work?
The active substance in Pregabalin Mylan Pharma, pregabalin, is similar in structure to the body's own 'neurotransmitter' gamma‑amino butyric acid (GABA), but has very different biological effects. Neurotransmitters are chemicals that allow nerve cells to communicate with each other. The exact way that pregabalin works is not fully understood, but it is thought to affect the way that calcium enters nerve cells. This reduces the activity of some of the nerve cells in the brain and spinal cord, reducing the release of other neurotransmitters that are involved in pain, epilepsy and anxiety.
- How has Pregabalin Mylan Pharma been studied?
Studies on the benefits and risks of the active substance in the approved uses have already been carried out with the reference medicine, Lyrica, and do not need to be repeated for Pregabalin Mylan Pharma.
As for every medicine, the company provided studies on the quality of Pregabalin Mylan Pharma. The company also carried out studies that showed that it is 'bioequivalent' to the reference medicine. Two medicines are bioequivalent when they produce the same levels of the active substance in the body and are therefore expected to have the same effect.
- What are the benefits and risks of Pregabalin Mylan Pharma?
Because Pregabalin Mylan Pharma is a generic medicine and is bioequivalent to the reference medicine, its benefits and risks are taken as being the same as the reference medicine's.
- Why is Pregabalin Mylan Pharma approved?
The Agency's Committee for Medicinal Products for Human Use (CHMP) concluded that, in accordance with EU requirements, Pregabalin Mylan Pharma has been shown to have comparable quality and to be bioequivalent to Lyrica. Therefore, the CHMP's view was that, as for Lyrica, the benefit outweighs the identified risk. The Committee recommended that Pregabalin Mylan Pharma be approved for use in the EU.
- What measures are being taken to ensure the safe and effective use of Pregabalin Mylan Pharma?
Recommendations and precautions to be followed by healthcare professionals and patients for the safe and effective use of Pregabalin Mylan Pharma have been included in the summary of product characteristics and the package leaflet.
- Other information about Pregabalin Mylan Pharma
The European Commission granted a marketing authorisation valid throughout the European Union for Pregabalin Mylan Pharma on 25 June 2015.
For more information about treatment with Pregabalin Mylan Pharma, read the package leaflet (also part of the EPAR) or contact your doctor or pharmacist.
|First published
|Last updated
|Pregabalin Mylan Pharma : EPAR - Risk-management-plan summary
|(English only)
This EPAR was last updated on 14/05/2018 .
More detail is available in the summary of product characteristics
Authorisation details
Product information
Product information
09/03/2018 Pregabalin Mylan Pharma -EMEA/H/C/003962 -IB/0007
- Annex I - Summary of product characteristics
- Annex IIA - Manufacturing-authorisation holder responsible for batch release
- Annex IIB - Conditions of the marketing authorisation
- Annex IIIA - Labelling
- Annex IIIB - Package leaflet
Please note that the size of the above document can exceed 50 pages.
You are therefore advised to be selective about which sections or pages you wish to print.
Pharmacotherapeutic group
Therapeutic indication
Pregabalin Mylan Pharma is indicated as adjunctive therapy in adults with partial seizures with or without secondary generalisation.
Generalised Anxiety Disorder
Pregabalin Mylan Pharma is indicated for the treatment of Generalised Anxiety Disorder (GAD) in adults.
Assessment History
Changes since initial authorisation of medicine
|First published
|Last updated
|Pregabalin Mylan Pharma : EPAR - Procedural steps taken and scientific information after authorisation
|EN = English
Initial marketing-authorisation documents
|First published
|Last updated
|Pregabalin Mylan Pharma : EPAR - Public assessment report
|EN = English
|CHMP summary of positive opinion for Pregabalin Mylan Pharma
|EN = English
This medicine is approved for use in the European Union
More information on Pregabalin Mylan Pharma
- Questions and answers on generic medicines (2012-12-07)


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A Bachelor's or undergraduate degree is an academic qualification designed to aid students to gain insight into a subject. Degrees are either classified as Ordinary or Honours, and this difference can vary between colleges and universities. Typically an 'ordinary' degree (or 'unclassified') may be awarded if a student completed a full degree course, but didn't obtain the total number of passes needed to obtain a third-class honours degree, or they failed and had to re-take a module/year.
There are different titles of degree that a student can obtain, such as Bachelor of Arts (BA), Bachelor of Science (BSc), Bachelor of Education (Bed), and Bachelor of Engineering (BEng).
In most cases, a degree will take three years to complete, or less commonly, four. Degrees that take four years to complete tend to include a placement or work experience year. Degrees are able to be completed part-time, and this length varies depending on the university and contact hours etc. While in Scotland, an 'ordinary' degree is usually a three-year full-time course, and an 'honours' degree is a four-year full-time course.
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• Social Sciences degree
Most institutions require students to hold A-Levels as a pre-requisite for a degree course, the number of A-Levels and what grades needed is dependent on the course and the college or university. There will be many factors to a student being accepted onto a course, from admission tests and attending a university interview.
Students can apply through UCAS if living and studying within the UK, or apply to the university directly if a mature student who is older than 21 years of age.
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An undergraduate degree is a great qualification allowing individuals to apply for graduate jobs and schemes, continue onto a postgraduate qualification or to apply for higher level jobs
An undergraduate degree is a higher education qualification that doesn't have any direct equivalent qualifications. It is higher than a Higher National Certificate and Diploma, Certificate of Higher Education, Diploma of Higher Education and a Foundation degree. If a student has any of the above qualifications, they can then gain admission onto an undergraduate degree course.
Join the 75,000 students that have already found their future career by taking our short 60-second degree quiz. Find out what you're like and what you could do, by discovering your strengths, personality, what you're passionate about, and some jobs and degree subjects that may be perfect for you!Take Uni Degree Quiz


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Elif Çelik, ELIZABETH JADE,Arielle Ray ,Vivi Estrada, Brooklynn Bauman, Nude ,Maxim Africa, September 2017
Elif Çelik I was born in a city called Diyarbakir in south-east Turkey. I'm the first international Turkish playmate ever and I feel honoured to be part of the Playboy South Africa family. I love to travel, it's a passion of mine. I'm an animal lover and a vegan and I always try to be polite, positive and kind.
Arielle Ray Growing up in Kansas, USA, with not much to do really fine-tunes your imagination. I would get the neighbourhood kids together and we would shoot a film with my camcorder from whatever movie I was into at the time. I remember my punishment if I got into trouble was no "Grease" for the day. I always wanted to create and do something with the camera, whether I was in front or behind. I guess I just want a life where work is my passion. Success and knowledge are important to me. I don't know what the meaning of life is exactly but I think it has something to do with happiness. I'm constantly on a journey of selfimprovement and evolving into what I hope is a better version of me every day.
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NEW YORK (Reuters) - New Federal Communications Commission rules that will regulate Internet service providers (ISPs) more like utilities are due to be proposed on Thursday, CNBC reported on Monday, citing Dow Jones Newswires.
The rules, which would more fully embrace the principle known as "net neutrality," would be aimed at barring ISPs from blocking or slowing down certain websites, the Wall Street Journal reported on its website.
(Reporting By Christian Plumb)


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