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Americans are not buying life insurance because they overestimate its costs. That's the main finding of this year's Insurance Barometer Study, an annual survey by insurance advocacy groups LIMRA and LIFE Foundation.
The study found that consumers believe insurance costs to be nearly three times the actual price. Younger adults overestimate the cost almost sevenfold.
Survey participants estimated the annual cost of a 20-year, $250,000, level-term life policy for a healthy 30-year-old consumer to be $400. The actual cost is roughly $150.
According to the survey, nearly a third of all consumers believe they need more life insurance, including 20% of current policyholders and about half of those who do not have any coverage. But the perceived high cost of insurance was stopping most (83%) from purchasing the coverage they say they need.
"If people think that something is too pricey, they often won't give it a second thought. The fact is, the cost for basic term life insurance has fallen by about 50% over the past 10 years and has never been more affordable," Marvin H. Feldman, president and CEO of the LIFE Foundation, said in a statement.
The study found that the most underserved markets — namely women, younger adults and minorities — are most aware of their need for more insurance. For example, 42% of African Americans and 37% of Hispanics say they need more life insurance, compared with 32% of the total population who said so.
While life insurance is a necessity, it falls behind other priorities, such as having enough money for a comfortable retirement, consumers' top financial concern, the study found. Other top priorities include paying the mortgage or rent or losing money on investments.
The nationwide survey polled 2,011 individuals between the ages of 18 and 75 who shared or were the sole decision maker for financial matters in the household.
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subset: commoncrawl


text: At Bork Viking Harbour you can travel 1000 years back in time. Here you can meet real Vikings when they are brought to life in certain periods. Say hello to the craftsmen and the wives and try the many activities. Light your own candle in the stave church. Visit the beautiful museum store. Bring your own lunch and let the kids have fun on the Viking playground. Handcarts can be rented.


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Steve has run a zillion creative writing workshops – for all ages from Reception Class to Elders. He has run creative writing workshops in Pupil Referral Units, Hamleys Toy Shop, the Museum of Childhood and open air festivals from Glastonbury to Lamer Tree.
He was Writer-in-Residence for the Dickens 2012 Bicentenary Celebrations, and also for Spread The Word's Lambeth Walk celebration in 2011.
He has run countless Slam workshops, for groups ranging from Apples & Snakes to The Poetry Society. Here you can see his brand new teachers' lesson plan ("The Art of Remembering By Heart") on The Poetry Society's website.
If you'd like to book Steve for your school or live event, please either leave a comment here with your request AND EMAIL ADDRESS, and he will get back to you. Alternatively, you can message him on Twitter: @stevetasane
Here he is – getting scary – with Portsmouth Reading Activists:
Hi Steve, I am the Librarian at Severn Vale School in Gloucester and have just read "Blood Donors" (still itching!) interested to discover that you do school poetry visits. Could you send me some details please?
Many thanks!
Jools Beard
Hi Steve, I am just getting "Nobody Saw No-one" out on the shelves. I am librarian/Performance Poet at a school in Bradford. Could you send me details for booking you for workshops. I am especially keen to get our male pupils reading more progressive literature, and I have an inkling you could be just the chap. All the best, David.
Hi Again Steve – I am having to use this forum as all my emails got wiped over the summer! I find myself in need of a Dickens specialist – could you help? DN
Hi Steve
I am wondering if you are available to give an author talk at Sandringham School in St. Albans on Wednesday 20th January 2016 at 11.00am – 12.15 -ish. We have a group of yr 7/8 and 9 students here to debate the Children's Book Award shortlist books and we would like to finish with an author talk.
Hi Steve,
We are looking for an author to come and visit our school in Birmingham (Arthur Terry School) and I was wondering if that was too far to ask you to come? Could you email me some details on what you do and when and if you are available as I think our pupils would really enjoy one of your workshops.
Many Thanks
Sarah Reoch
Hi Steve, I am the librarian at Upper Batley High School in Batley, West Yorkshire and would like to know if you have any availability to visit us around World Book Day?
Cathy Scott


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Kimberly Kelly Santini 's comment on Art Marketing for Artists Who Want to Change the World
|Kimberly Kelly Santini
via web
|113 months ago
This is all beyond the truth. Make art that sings gloriously. Become an expert/leader in your genre - whether that be with your materials or subject matter. Share this expertise with the world via real life conversations, the internet, relationships, and other media. People will start to hear your song, and stop to listen. Honest. It worked for me!


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WTCI and Jazzanooga Present Screening and Panel Discussion of "Maya Angelou: And Still I Rise," February 18
WTCI and Jazzanooga are pleased to announce that Chattanoogans are invited to a premiere screening of Maya Angelou: And Still I Rise on February 18th at Jazzanooga. Doors will open at 5:30 PM at 431 E MLK Blvd, #100 and the program will begin at 6:00 PM with a panel discussion to follow. The first feature documentary about her life, American Masters – Maya Angelou: And Still I Rise, premieres nationwide Tuesday, February 21 at 8 p.m. on PBS.
This preview screening event is a part of WTCI's celebration of Black History Month and continues Jazzanooga's mission to be a community space offering educational, arts and cultural programming and events. A panel discussion featuring Nicole Brown, UTC, Carmen Davis, BCBST Community Trust, Greg Funderberg, WTVC NewsChannel 9, and James McKissic, Administrator, Chattanooga Office of Multicultural Affairs will begin at the conclusion of the program.
Distinctly referred to as "a redwood tree, with deep roots in American culture," Dr. Maya Angelou (April 4, 1928-May 28, 2014) led a prolific life. As a singer, dancer, activist, poet and writer, she inspired generations with lyrical modern African-American thought that pushed boundaries. Best known for her autobiography I Know Why the Caged Bird Sings (Random House), she gave people the freedom to think about their history in a way they never had before.
With unprecedented access, filmmakers Bob Hercules and Rita Coburn Whack trace Dr. Angelou's incredible journey, shedding light on the untold aspects of her life through never-before-seen footage, rare archival photographs and videos and her own words. From her upbringing in the Depression-era South and her early performing career to her work with Malcolm X and her many writing successes, including her inaugural poem for President Bill Clinton, American Masters – Maya Angelou: And Still I Rise reveals hidden facets of her life during some of America's most defining moments.
The film also features exclusive interviews with Dr. Angelou, her friends and family, including Clinton, Oprah Winfrey, Common, Alfre Woodard, Cicely Tyson, Quincy Jones, Hillary Clinton, Louis Gossett, Jr., John Singleton, Diahann Carroll, Valerie Simpson, Random House editor Bob Loomis and Dr. Angelou's son, Guy Johnson. "The film reflects on how the events of history, culture and the arts shaped Dr. Angelou's life, and how she, in turn, helped shape our own worldview through her autobiographical literature and activism," said co-director and co-producer Rita Coburn Whack.
For tickets and information, please visit http://tinyurl.com/jkj8ebs or contact Jazzannooga.org. at 423-402-0452.


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About Living Donation
Need support? Connect with a Mentor for FREE.
See our Living Donor Guide for more information.
Living donation occurs when a healthy person donates a kidney or part of the liver, lung, intestine, pancreas, bone marrow, or blood to another person.
Living donations are categorized in the following ways:
- Non-directed Donation: These individuals donate to an anonymous candidate on the waiting list. Some donors may eventually meet the transplant candidates, but only if both parties agree.
- Directed donation:
- Related Living Donation: The living donor is biologically related to the recipient, such as a parent, child, brother or sister.
- Unrelated Living Donation: The living donor is emotionally related to the recipient, such as a good friend, spouse, or in-law.
Living donors are usually between the ages of 18 and 60 year old. However, acceptable ages may vary by transplant center and the health of the donor candidate.
The prospective donor must have several points of compatibility including a compatible blood type, tissue type, and other markers.
The donor candidate is carefully evaluated by lab tests, physical examination, and psychological evaluation to ensure that the candidate is healthy enough to donate and that he or she is making an informed decision. The decision about whether to accept the donor is then made by the health care team at the transplant center.
Please note: It is illegal to sell human organs for the purpose of transplantation. Federal law stipulates that no person may be paid and/or receive valuable consideration for donating an organ.
See Living Donor Laws – Federal and State by State
What organs can be donated?
Types of Living Organ Donation
Most common:
- Kidney (entire organ)
- Liver (segment)
Tested and successful:
- Lung (lobe)
- Intestine (portion)
- Pancreas (portion)
People can also become living donors by donating blood or bone marrow, and, in some rare instances, nerves or skin.
Positive Aspects of Living Organ Donation
For the Recipient:
- Quality of life: Transplants can greatly improve a recipient's health and quality of life, allowing them to return to normal activities. They can spend more time with family and friends, be more physically active, and pursue their interests more fully.
- Shorter waiting time: Due to the lack of organs available for transplant, patients on the national transplant list often face long wait times (sometimes several years) before they are able to receive a transplant from a deceased donor. Patients who find a suitable living donor do not have to wait on the list.
- Better results: Transplant candidates generally have better results when they receive organs from living donors as compared to organs from deceased donors. Often, transplanted organs from living donors have greater longevity than those from deceased donors. Genetic matches between living donors and candidates may lessen the risk of rejection.
- Kidneys and Livers Function Almost Immediately: A kidney or liver from a living donor usually functions immediately in the recipient. In uncommon cases, some kidneys from deceased donors do not work immediately, and as a result, the patient may require dialysis until the kidney starts to function.
For the Living Donor:
- Positive emotional experiences: The gift of an organ can save the life of a transplant candidate. The experience of providing this special gift to a person in need can serve be a positive aspect of donation.
- More time with your loved one: Donating an organ can increase the time you have to spend with your loved one as well as the quality of that time.
For Both the Recipient and the Living Donor:
- Flexible time frame: Surgery can be scheduled at a time that is convenient for both the donor and recipient.
- Removes a candidate from the list: A living donor removes a candidate from the national transplant waiting list, which is currently above 120,000 people. This allows the people on the waiting list who cannot find a living donor a better chance of receiving the gift of life from a deceased donor.
How does living donation affect the donor?
Living donation does not change life expectancy, and after recovery from the surgery, most donors go on to live happy, healthy, and active lives.
For kidney donors, the usual recovery time after the surgery is short, and donors can generally resume their normal home and working lives within two to six weeks. Liver donors typically need a minimum of two months to resume their normal home and working lives.
Although transplantation is highly successful, complications for the donor and recipient can arise. Be sure to talk to your doctor about what to expect.
Effects on the Body
For living kidney donors, the remaining kidney will enlarge slightly to do the work that two healthy kidneys share. The liver has the ability to regenerate and regain full function. Lungs and pancreas do not regenerate, but donors usually do not experience problems with reduced function.
Risks to the Donor
As with any other surgery, there are several short and long-term risks associated with living donation.
There has been no national systematic long-term data collection on the risks associated with living organ donation. However, there are some studies that are currently gathering such information. Based upon limited information that is currently available, overall risks are considered to be low. Risks can differ among donors and the type of organ.
Limited Long-Term Data about Living Donors
The Organ Procurement and Transplantation Network (OPTN) has limited long-term data available on how living donors do over time. Based on OPTN data from 1998 through 2007, of the 3,086 individuals who were living liver donors, at least four* have been listed for a liver transplant due to complications related to the donation surgery. Of the 59,075 individuals who were living kidney donors from 1998 to 2007, at least 11* have been listed for a kidney transplant. However, the medical problems that caused these kidney donors to be listed for transplant may or may not be connected to the donation.
*This total only captures data on transplant candidates who are known to the OPTN/UNOS to be previous donors.
Other Considerations:
Studies have shown that donating a kidney or part of the liver does not affect a woman's ability to have children. However, it is important that you tell your doctors of your plans to have children. Each case is different, and your doctor may have additional recommendations given your medical history. A recent study from Toronto says that women who have donated a kidney are at higher risk of developing gestational hypertension or pre-eclampsia during pregnancies that follow the donation. The study suggests the increase in risk is not enormous (about a 6% increase), and in fact most women who have donated a kidney can safely carry a pregnancy to term. More information about the study can be found here.
Police, Fire, and Military Service
Some police and fire departments or branches of the military will not accept individuals with only one kidney. Be sure to talk to your superior if you are considering becoming a living donor.
Please note: As detailed in our Privacy Policy, the information contained on this site does NOT substitute medical advice. Please discuss any medical questions, considerations, and decisions with your doctor.


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U.S. stocks fell Thursday for the fourth straight day. After hitting record highs earlier this month, stocks have been steadily declining this week. Strategists and traders said the strong dollar, geopolitical tensions and a market that is already expensive have given investors little impetus to buy in recent days.
NEW YORK (AP) — A see-saw day for U.S. stocks ended with slight losses on Thursday, giving the market its fourth drop in a row.
Edgy investors continue to monitor violence in the Middle East and the rapid ascent of the U.S. dollar, which is causing companies to pull back their profit forecasts for the year.
After hitting record highs earlier this month, stocks have been steadily declining this week. Strategists and traders said the strong dollar, geopolitical tensions and a market that is already expensive have given investors little impetus to buy in recent days.
"We have been due for a pullback," said Brad Sorensen of the Schwab Center for Financial Research. "The markets have been focused on the Fed (potentially raising interest rates) and the impact of a stronger dollar."
The Dow Jones industrial average lost 40.31 points, or 0.2 percent, to 17,678.23. The Standard & Poor's 500 index lost 4.90 points, or 0.2 percent, to 2,056.15 and the Nasdaq composite fell 13.16 points, or 0.3 percent, to 4,863.36.
The market has fallen every day this week, bringing the S&P 500 index and the Dow down 2.5 percent each and erasing their gains for the year. The Nasdaq composite has dropped even more this week, 3.2 percent, as traders targeted high-flying biotech companies for heavy selling. The Nasdaq is still up 2.7 percent for the year.
Most of the action Thursday was in energy markets. The price of oil rose sharply as mounting tensions in Yemen got traders worried that the flow of crude from the Persian Gulf region could be disrupted. Saudi Arabia and other Gulf states launched strikes on military installations in Yemen in an effort to oust Shiite rebels that forced the country's embattled president to flee.
U.S. crude rose $2.22, or 4.5 percent, to close at $51.43 a barrel in New York. U.S. crude oil has jumped 17 percent since hitting a low of $43.96 a barrel a week ago. It was the first time the benchmark U.S. oil contract closed at $50 or higher since March 9.
Brent crude, a benchmark for international oils used by many U.S. refineries, rose $2.71, or 4.8 percent, to close at $59.19 a barrel in London.
"The conflict has the potential to act as a drag on oil supplies as most oil tankers from Arab producers must pass by the Yemen coastline in order to get through the Red Sea and Suez Canal," said Craig Erlam, senior market analyst at OANDA.
The rise in oil was not enough to lift battered energy stocks. The energy sector in the S&P 500 index ended the day down 0.2 percent.
For most investors, the main focus remains the U.S. dollar. The U.S. currency has appreciated 8 percent in the past three months. A stronger dollar tends to make U.S.-made goods more expensive abroad, making it more difficult for U.S. companies to compete.
"The dollar is going to be a drag on company earnings, at least temporarily," said Stephen Freedman, a strategist at UBS Wealth Management Research.
On Thursday, the euro fell to $1.0885 against the dollar, while the dollar declined to 119.18 Japanese yen.
The full impact of the dollar's appreciation will likely be seen early next month, when U.S. companies start reporting their quarterly results. Already some, like the jewelry maker Tiffany, have said the higher dollar has crimped profits.
Alcoa, the aluminum company, will issue its results April 8.
In the bond market, prices for U.S. government bonds fell. The yield on the 10-year Treasury note rose to an even 2 percent from 1.93 percent the day before.
In metals trading, gold rose $7.80 to $1,204.80 an ounce, silver rose 14 cents to $17.14 an ounce and copper rose two cents to $2.81 a pound.
Wholesale gasoline rose 4.5 cents to close at $1.882 a gallon. Heating oil rose 5.9 cents to close at $1.788 a gallon. Natural gas fell 5.1 cents to close at $2.672 per 1,000 cubic feet.


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Re: Abbots near Cincinnati 1800
In reply to:
Re: Abbots near Cincinnati 1800
virginia dossman 3/13/05
Hi Virginia,
Your posting in regards to the Abbott's near Cincinnati in 1800 very much intrigues me and I would like to discuss more with you.
First off, there are two separate families living the Cinncinnati area in this timeframe.At that time, Hamilton and Adams counties made up the majory of SW Ohio.Clermont and Brown counties were both formed from parts of Hamilton and Adams.
The posting you responded to from Jim Brown is in regards to a Nathanial Abbott who married Hannah Bridges and this family line is from the Hamilton and Clermont county areas.Jim can give you more details on that family but I do have a copy of this family tree he provided me a couple of years ago.
The second family, also a Nathaniel Abbott, is my family which is from the Adams County area.As you can see, both families have the same name "Nathaniel Abbott" and are in the same area at the same time.
According to the family tree I have from Jim and my own family tree, neither Nathaniel Abbott shows a son named: Thomas Jefferson Abbott.
I am definatly interested in the information that you have on your Thomas and his connections to a Nathaniel Abbott.Nathaniel (Nathan) is common in both Abbott lines but Jim and I have not found a connection between the two families.They both migrated from PA to OH within a few years of each other and both resided in the same area of PA so there is suspicion of a possible connection in the families but nothing definitive.
My email address is:email@example.com
Looking forward to hearing from you.
David Abbott


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In various stages.
I am taking an online course entitled Marriage and the Movies and it has me thinking about how characters that African Americans had to play in movies were almost exclusively supporting roles, both figuratively and literally as they often had to prop up white actors/actresses. Most famously Hattie McDaniel's character performed this function for Vivien Leigh's Scarlett in Gone with the Wind. I remember many in the audience hissing when they saw the slaves in a showing of the film in New York in the 1990's.I like to think that this portrait just begun of McDaniel will hiss and more if anyone would challenge her.
I am challenging myself to create group portraits. It is a continuation of expressing the notion that that those who are prisoners, whether criminals or victims are connected to us and we to them. I did some drawings of groups when I was exploring images of my father as a child during World War II. These drawings led me back to the whole painting surface, as I am using negative and positive space to bring the picture into harmony. This was influenced by a talk I gave at the George School, when I spoke of how I was breaking the rule I learned in school of covering the whole canvas with paint. I rejected this in my series of fighters; now I am returning to it. My reading of the finely researched and brilliantly written David Park: a painter's life by Nancy Boas also contributed to my thoughts about this painting. Park is my role model because of his ability to convey the universality of people. He did it with amazing technique, energy and integrity.
Today I am remembering the joy of discovery that accompanied life drawing which I did almost every day for years when I was in my teens and twenties. The feeling I am describing often happened when I found the plane that emerged from the lighting being just so. The plane affirmed what I had learned in anatomy class or from my studies of plaster casts, old master drawings and marble sculptures. I am discovering this feeling anew while painting from a beautiful drawing by Pontormo.
When I was looking for the next images that will occupy my attention I knew that I wanted to get back to the body. I thought of my friend who told me that my paintings of bodies captured the pain that lives within the body.
I have written before about the books my father brought home from Europe and one in particular was a book of Michelangelo drawings that I would copy. When I was at the NY Academy, I fell in love with Pontormo. I thought about what is beautiful to me, what could take up all of my attention, and I thought of these drawings. I have a copy of the Hacker Art Books revised edition of of Cox-Rearick's 2 volume The Drawings of Pontormo. But of course the quality of the images do not compare to the digital ones I found on the Getty Open Content site. I printed the Reclining Youth and have been studying it and painting from it. I hope this will take me further into other drawings by Pontormo as well as drawings I have done in the past.
I am seeking a transformation with these paintings from drawings: by taking something I love and all of the feelings that are attendant with that love I hope to create something intense and profound. At first I was thinking of the Buddhist concept of emptiness and trying to achieve this through the contrary process of addition. The result: to achieve a sort of disappearance or separation from time and place. But that is perhaps too much of a task. I will be satisfied with achieving a definition of alchemy: an inexplicable or mysterious transmuting.
The image below was begun only recently. Much more to discover.
Besides the very obvious but often neglected aspects of life that one is grateful for: love, friendship, shelter and security, it is a blessing to be able to draw. Drawing is a way to slow down, to really look and see. It is the artistic soul's equivalent of a spa day. That is why I am very excited about the The Morgan Library and Museum's two drawing shows which are up now. One is of Leonardo's works, the other consists of the Morgan's collection of 18th century Venetian drawings. Looking forward to seeing both of these on my birthday. Closer to home beginning in late January the Princeton University Art Museum will be mounting an exhibit of some of their Italian drawings. Although the exhibit is a departure from the traditional old master works, the description of the Brush Writing in the Arts of Japan show at the Metropolitan Museum pertains very well to the classic draftsperson of the Western world. For a fresh take on drawing, the Newark Museum's Papyraceous is an offbeat look at works on paper. At this time of year, when multitasking and distraction is even more pronounced than usual, it is wonderful to quietly observe and linger.
I began with the idea of painting a portrait of my family, but decided instead to focus on my sister and myself. However, I wanted to relate our family to the larger world. With the war now, and the ramifications war has had on families throughout the centuries, I wondered how we, as children, would survive during wartime. This was not idle curiosity, as my Father went to England during World War II, as part of the Kindertransport. Growing up with almost no supervision or parenting, I am not sure if I could have been as responsible as he had to be at such a young age.
and our different depictions in art. To think that powerful forces, past and present, dictate how we image ourselves is both enlightening and frightening. In this new painting, I am contrasting the powerful figure from a photograph by Leni Riefenstahl with images of women who must cover themselves. Propaganda art is a potent dictator of fashion, but so too is religion. Here I am working on two divergent representations, perhaps about to come into conflict.
I have been carting out my drawings, in the hopes of presenting them to curators. These struck me more than others today:


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I needed a ride for my Grey Hunters, so I got myself a Rhino – Well not really, I bought a Razorback, and assembled that so it could be a razorback when the Hunters wasn't going to use their car. It is rather simple, just don't glue the top hatch on the Rhino, and then you can switch the rhino & razorback top when needed. I magnetized the guns on the Razorback turret, just in case :)
To make the ride a little more Space-Wolfed-out I found some bits from the WFB Beastmen range – There I a lot of shields and stuff that is just right for Wolfifying vehicles and men.
/Nicolai aka Atoom


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September 14 2016 – Kitchener – MP Raj Saini invites you to a discussion about electoral reform with the Hon. Maryam Monsef, Minister of Democratic Institutions, MP Bardish Chagger, MP Marwan Tabbara, and MP Bryan May on Wednesday, September 14, from 7:00 pm to 9:00 pm.
Your Voice Matters!
Wednesday, September 14, 2016
Registration: 6:30 pm
7:00 pm – 9:00 pm
Stanley Park Community Centre
505 Franklin St. N, Kitchener, ON N2A 4K7
Find out more about
Nationwide Consultations
Share your views on Twitter
@RajSainiMP @MaryamMonsef
#CDNDemocracy #EngagedInER #ElectoralReform


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I write essays and poems, some of which can be found or are forthcoming in Cimarron Review, Midwest Quarterly, inter|rupture, New South, Sundog Lit, burntdistrict, The Portland Review, Sugar House Review, Revolver, Vela Magazine, Puerto del Sol, Redactions, and more. Splitting my time between Tennessee and Arizona, I am Associate Professor of Poetry at Austin Peay State University and poetry editor for Zone 3 Press.
It is the intersection of person and physical place that characterizes my writing overall and the collaboration between science and art—the point where conservation meets writing—that most interests me.
For information regarding press releases, readings, guest-lectures, classroom visits or community outreach please use the contact form found HERE.


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If AirAsia cancels, terminates, diverts, reschedules, delays or postpones the flight due to circumstances beyond its control, due to safety or due to commercial reasons, the carrier will either carry you on its scheduled flights at the earliest or will retain the sum of fare in your credit for future travel but in this case you must rebook within 3 months.
If you miss a 'fly-thru' flight:
Due to delay at point of origin, you get a free move on next available flight which connects you final destination point.
Due to delay of subsequent flight, you can get a free move to next available flight
In both cases, the move is allowed for free only when it falls within the connecting time of AirAsia. If it does not match with the connecting time, then AirAsia does not provide day/night accommodation, surface transfers or storage of baggage.
You can simply rebook the flight. You can approach the customer service of the airline or their airport office and let them know your issue.
Please get in touch with the airline to know their response. The airline can carry you on another flight.
Please get in touch with the airline for refund matters.
REfunds can be claimed.
You must take this issue with the agent which booked the flight or the airline, if you booked directly with it. Your money will be refunded. We believe they might have kept it in credit shell and have not released it. This is only an assumption and no confirmation. So, please speak to them and also write email to them in this respect.
You will have to fill an e-form for this purpose. This is available at http://www.airasia.com/my/en/e-form.page.
Airport at Chennai closed till 12 hrs IST till 6 December, 2015. All flights stand cancelled till that time.
All claims shall be submitted to the airline company. We are not a ticketing agency for now and hence can not proceed with any actions in this matter. We can only resolve queries relating to refund arising due to various reasons. Please take up the matter formally with AirAsia.
Copyright © 2017 by Baggage Allowance. All Rights Reserved


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The Ice Cream Headache podcast highlights the local comedy scene in Louisville. They are going live from The Bards Town Saturday, Jan. 23 to spread the word and have some fun.
725 S. Floyd Street
Louisville, KY 40203
(502) 585-2201
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Thank you so much you have to spend some time visiting here! Many complain occur in everyone, but you have to overcome them. You do not need to spend a lot of money just to get the imagination.
Never complained to the situation you are experiencing. All the things that you have encountered has meaning, you may be confused at this time. A time to contemplate your fate, five minutes each day is enough. Are you used to talk a lot to other people? Keep your secret, all information must be analyzed.
Now you feel happy, and will send something to your friend. I hope the above quotation beneficial for you, more interesting if you also see different quotes. Thanks for visiting my blog, This image posted by Leandro Braga.


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This is the year you are finally going to do it, you're going to finally learn to play the guitar. One problem though…you don't actually own a guitar. So you're ready to go shopping and get your first guitar, the only problem is, you know very little about buying a guitar. We've got you covered! Let us show you how to buy your very first guitar.
What type of guitar
The type of guitar you choose will ultimately depend on the type of music that you want to learn to play. An electric guitar is going require that you get an amp too. If you plan to be the next rock n roll star then this is the type of guitar you want. Acoustic guitars on the other hand play a more clear and distinct sound. If Jazz, Folk or Blues is more your thing then the acoustic guitar will be perfect for you. Classic guitars sound a little more mellow and this is more commonly found in Folk music.
The strings
As a beginner be fair warned you are going to have sore fingers after practicing. Nylon strings will be slightly easier on your fingertips in the beginning. Your fingertips will eventually develop calluses and that is a good thing, it will make playing a whole lot easier. For the beginner start with medium light gauge strings for your acoustic guitar. As you progress and get better you will try different strings and develop your own preferences.
The neck
You probably don't realize but the width of the neck will also be a factor in the guitar you choose. Classic guitars will have a thicker neck and it could be a bit of a challenge for a beginner with small hands. Acoustic guitars will have a narrower neck and be easier to play. The height of the strings from the neck will also be a factor, the higher they are the harder they are to press down and get the sound you want.
The case
If you want to transport your guitar around safely then you definitely need a case for it. The case provides protection for your guitar and there are two different options, soft case or hard. The soft case is fabric and padding and it has a zipper opening to slide the guitar in and out. The hard case is much heavier but it will protect your guitar from pretty much everything. Of the two the soft cover will cost you less but it doesn't give you anywhere near the protection of the hard shell. The choice will depend on your lifestyle and whether you will playing away from home often.
The price
The price of a guitar can run the gamut from a few dollars all the way into the tens of thousands. If you're a beginner trying the guitar for the first time a custom built guitar isn't necessary. You can even pick up a half decent one second hand.


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SOURCE: UST Global
August 11, 2015 09:30 ET
Digital IT Services Provider Highlighted in the Breakthrough 10 Sourcing Standout Category for the Americas and Asia Pacific
ALISO VIEJO, CA--(Marketwired - August 11, 2015) - UST Global, a leading provider of end-to-end digital solutions and IT services for Global 1000 companies today announced it has been named a Top 10 Outsourcing Service Provider by Information Services Group (ISG), a leading technology insights, market intelligence and advisory services company.
UST Global was among the leading providers in the Breakthrough 10 Sourcing Standouts category for the Americas and Asia Pacific regions based on annual contract value (ACV) won over the last 12 months, according to the ISG Global Outsourcing Index. Now in its 47th consecutive quarter, the ISG Outsourcing Index provides an independent quarterly review of the latest sourcing industry data and trends for enterprises, service providers, analysts and the media.
"This is a very proud moment for UST Global," said Nikki Arora, Chief Marketing Officer at UST Global. "To be evaluated and selected from among hundreds (if not more) service providers is not just an achievement, but testament to our extremely talented teams that consistently deliver outstanding results and push the boundaries for what's possible for our customers and clients."
UST Global's inclusion in the ISG Outsourcing Index is based on data the company submits to ISG each quarter.
"For more than a decade, the ISG Outsourcing Index has been the authoritative source for marketplace intelligence related to outsourcing transaction structures and terms, industry adoption, geographic prevalence and service provider performance," said Paul Reynolds, chief research officer of ISG. "UST Global continues to establish itself as a leading and growing player in the global market for IT services, based on its volume of business in relation to other industry providers."
About Information Services Group
Information Services Group (ISG) is a leading technology insights, market intelligence and advisory services company, serving more than 500 clients around the world to help them achieve operational excellence. ISG supports private and public sector organizations to transform and optimize their operational environments through research, benchmarking, consulting and managed services, with a focus on information technology, business process transformation, program management services and enterprise resource planning. Clients look to ISG for unique insights and innovative solutions for leveraging technology, the deepest data source in the industry, and more than five decades of experience and global leadership in information and advisory services. Based in Stamford, Conn., the company has more than 850 employees and operates in 21 countries. For additional information, visit www.isg-one.com.
About UST Global
UST Global is a leading digital technology services company that provides powerful solutions for Global 1000 companies. UST Global's mission is to lead companies through critical digital transformations to drive higher business value. UST Global specializes in six next generation digital services -- design, cyber security, mobile, social, analytics and cloud. Powered by the mantra 'fewer clients, more attention', UST Global strives for excellence in providing their clients high quality services and a commitment to long-term success. Headquartered in Aliso Viejo, California, UST Global has over 15,000 associates; operating in 25 countries across four continents.
CONTACT INFORMATIONVictoria TraweekUST email@example.com(310) 422-3496Casey McDonald Gutenberg Communications (646) firstname.lastname@example.com
CONTACT INFORMATIONVictoria TraweekUST firstname.lastname@example.com(310) 422-3496Casey McDonald Gutenberg Communications (646) email@example.com
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You invested time and money into your website.
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Think of it as proactive insurance for your website.


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Upcoming Expo Event Info
The best local & national Food & Alcohol Vendors
Come thirsty and bring your appetite!
New Job Recruitment Area
Bring your resume - jobs-jobs-jobs
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Bring xtra cash for unique artisan craft items!
Vendor Registration - click on 2019 Exhibitor Info tab above
2018 Supporting Event Sponsors
"We sampled lots of great chocolate as well as snack foods. Found some businesses we were unaware of and will be their customers. . ." Sue H
"My husband and I went, he was hesitant because it's a "WOMEN's Expo." Loved the information and samples given out. We both had a great time and will definitely be going again!! Tracy G
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There are actually simple ways to show appreciation and be grateful in life. In the words of Joshua Becker, showing gratitude opens the door to simplicity and any individual who is appreciative for the little things they own will care for them, enjoy them, and waste less energy seeking more.
They will experience fulfillment in the gifts they already possess rather than looking outside themselves for more.
I remember vividly a beautiful story my neighbour told to me sometimes this year. It was a story about his two sons aged 6 and 4 who wanted to outsmart him- they eventually did anyway!
They were in the car for a Sunday evening stroll with him (their father). While moving around, they came across a fast food outlet and the brothers in a lively mood asked their dad for ice-cream.
The father parked the car, got down, bought it and gave them, they took it from him gladly without saying thank you to him. As a father, he was actually concerned about this show of ungratefulness and didn't want them to grow up this way. However, he kept it mind and they all went home happily.
Apparently, the dad who wanted to 'teach' them a lesson on how to be grateful in life no matter how little the favour is and how showing appreciation for something done can open more doors for you, knowingly took them out again some weeks later, taking the exact same route like the other day.
In his heart, he knew they would definitely ask him for ice-cream again and this time he vowed to turn deaf ears to them.
So the journey progressed with the fun and excitement that comes naturally when kids and their dads are together having a good time.
However, as they got closer to the fast food outlet and his kids who were already familiar with the route and standing behind him in the car, sighted the signboard and immediately turned to their father and said;
''daddy, thank you for the ice-cream the other day and thank you for the one you will buy for us today''.
He pretended not to have heard what they said while he kept driving and nodding his head. Along the line, something struck him and that was immediately the kids said that, they kept quiet and never bothered saying anything again even though they have been talking and having a daddy and sons play all the while.
"Like they actually planned it", he recounted….
He tried his best not to give in but he kept thinking of the latter part of their statement- thank you for the one you will buy for us today.
As they got to the spot, he drove and didn't stop.
Then the "demons" began fighting him in his mind.
He fought them off strongly to the best of his ability but then and yet again, another thought came to his mind- "after all, they 've already thanked you for the one of today". So what's your excuse?
At this point and almost 200 hundred metres past the ice cream's outlet, he reversed the vehicle, got down from it and got it for them.
I know you'd be thinking if they told him thank you again, NO! They already thanked him already.
I also read this article by OLAITAN on appreciation and how remorseful she was for feeling awkward riding in a bus marked "Physically Challenged Students", even though it was a help that came to her and other students just at the right time to save them from the scorching sun of the day.
Showing gratitude and appreciation goes a long way in defining who we are. No matter your religious affiliation, most people wake from sleep in the morning and the first thing they do is to show appreciation to God or whoever they feel has their destiny or lives in his hands.
Even though research is still trying to establish the link to the fact that expressing gratitude or showing appreciation can lead to a healthier, happier and less-stressed lifestyle, I believe it does.
9 Simple Ways To Show Appreciation and Be Grateful With Your Life
- Know the value of the little things in your possession.
Great things come in small measure. The ability to value the small or little things you have will usher you into bigger things you desire. It's like a stepping stone to your destination ahead.
Expressing gratitude in life means cultivating the right habits and characters from your childhood. If you can not show some appreciation to little things, you definitely can't do with bigger things.
As my dad would always say, "little things matter, don't despise them".
- Be a Volunteer To community service
Perhaps the first and biggest benefit people get from volunteering is the satisfaction of incorporating service into their lives and making a difference in their community and country.
Take part in community development. Create friendship with other people and add some spices into your life.
The intangible benefits alone—such as pride, satisfaction, and accomplishment—are worthwhile reasons to serve. In addition, when we share our time and talents we:
• Solve Problems
• Improve Lives
• Connect to Others
• Transform Our Own Lives
- Having a personal Journal/Diary to record situations and events
Before i started this blog, I had a friend who kept a dairy and recorded events in her life and all she would achieve on daily basis. It motivated me and even though that diary went missing soon afterwards, i knew the importance of events and dates properly documented.
- Try to build a healthy life around you
Health is wealth. A sick body is an unhappy mind. Maintaining a good healthy lifestyle is something no amount of money can buy. So those unhealthy eating habits should be discarded.
Eat good food and lots of water must be consumed daily. For the pregnant women, eating healthy pregnancy diets should be a top priority for you.
- Be thankful for the little you have
Little things are way bigger than you think. What you may actually be looking for in life may be right inside that little thing in your hands but disdain, lack of foresight and impatience may make you loose it.
Thankfulness creates gratitude which will further generate contentment and that will provide so much peace and tranquility in you. One of the main reasons that we lose our enthusiasm in life is because we unknowingly become ungrateful.
Remember how small the Mustard seed looks in your hands but how big it becomes when it germinates.
- Develop yourself with inspirational quotes, texts and words to build your spirit, mind and body positively
Everyone needs inspiration in life. Some people are motivated and get encouraged by what others say. Inspirational quotes are powerful words of encouragement that revives the body and mind with so much strength. It often express profound truths in the most elegant ways.
A good inspirational quote can be so strong in it's message, that just for a moment- you stop in awe to fully take in the wisdom they express so efficiently.
- Stay away from pessimistic people. You will end up being sober and regretful all the time.
people who are termed pessimists are individuals who do not see hope in anything they do. Most times they complain about someone accusing him or her of being responsible for their ugly situations or why they haven't or could not do this or that.
These set of people are always stuck on one place. If you want to be happy in life, then you need those that will bring out the best of you always.
Yes, everybody is important and no one is indispensable, but for this, there is the need to stay away from such people to avoid contacting such mentality.
- Give your self targets in achieving your goals and follow those laid out plans.
In this article I had written why everyone must plan in life. You can't achieve anything without planning. If you want to be happy also, you should follow those procedures you know will aid you on how to be happy in life.
Make sure you know what you're aiming for. It can't be "success" unless you outline clearly what success is for you.
Have clear intentions. Get the picture. See it and experience it as vividly as you can. In doing so, you will have an excellent chance to hit your mark.
- Don't compare yourself with your mates you think are doing better than you in life.
Everyone has gone through that particular period in life when he or she had to compare life with others who are probably "ahead" of them. It's a normal thing in the life of an individual to compare with others sometimes, but dwelling on this always will only make you sadder rather make you happy.
Not everyone is grateful for kind measures shown at them, some may see it as their entitlement or rights and hence no need to express gratefulness.
Any experience or addition? Kindly air your thoughts in the comment section.
Thank you.
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Browse Mobile Public Notaries By Metropolitan Area in Rhode Island
Become a Rhode Island Notary Public
The Secretary of State and Governor of the State of Rhode Island are responsible for the appointment of notaries public. For first time candidates, it is important to read the Standards of Conduct for Notaries Public in the State of Rhode Island.
Requirements to become a notary public in Rhode Island:
- At least 18 years of age or older
- A resident and registered voter of Rhode Island
- Good moral character
- Able to speak, read, and write English
Steps to become a Rhode Island Notary Public:
1. Complete the Notary Application Form. Read and follow the instructions carefully.
2. Verify your residency and voter eligibility by taking your application to your town or city's Board of Canvassers.
3. Prepare an $80.00 filing fee via check made payable to "Secretary of State".
4. Submit the completed application with filing fee to:
Office of Secretary of State
Notary Public Section
100 North Main St.
1st Floor
Providence, RI 02903-1335
5. Once your application is approved, the Secretary of State's Office will mail your notary commission.
Term of Office
The Rhode Island Secretary of State appoints notaries public for a term of four (4) years.
Rhode Island Notary Fees
As a notary public in Rhode Island, these are the fees for your notarial services and other notarial acts:
Oaths & Affirmations
No set fee
$2.00 and $1.25 per notice
Marine Protests
$1.00 and $1.50 to record the protest
Certificates of Authentication
Find a Notary in Rhode Island
The notary public database provided by the Secretary of State will help you out in your search for a commissioned notary. FindNotary, on the other hand, offers an easier way to find a notary in Rhode Island. We have the largest directory for notary public, mobile notaries, and notary services for Rhode Island and the entire United States.
- Rhode Island Notary Public Services
- Rhode Island Notary Classes, Training, and Handbooks
- Rhode Island Notary Seals and Supplies
For more information on how to become a Rhode Island Notary, visit the Rhode Island Notary Public website at http://sos.ri.gov/business/notary/. You can also contact them at (401) 222-3040, or visit their office at 148 West River Street, Providence, Rhode Island 02904.