text:
In The Poem In Flanders Field Who Is The Speaker
Dublin Lord Mayor Nial Ring and Jan Peumans, speaker of the parliament of Flanders, presided over a ceremony which saw the memorial dedicated to all those from the island of Ireland who died in.
How many women, people of color, immigrants, French speakers, or even white English-speaking men who wanted to play. The.
Apr 4, 2015. In 2015, the 100th Anniversary of the writing of "In Flanders Fields" was. Finally, Clan MacRae members were directed to the Speakers Gallery in the. To honour the auspicious occasion, the Meditation on the poetry of John.
Expert Answers. John McCrae's poem "In Flanders Fields" is one of the most famous poems of the First World War, and its predominant theme is the nobility of sacrifice. Written after the Second Battle of Ypres in early 1915, it quickly became popularized in pro-war propaganda literature in both the United Kingdom and McCrae's own native Canada.
Jan 11, 2018 · In the poem, the narrator is explaining what has been left after all the dead bodies have been removed. The birds who sang in Flanders Fields before the war continue to do so today despite the violence and bloodshed which has happened there. For the natural world, the thing is unchanged. So too, human beings have moved on from Flanders Field and the First World War.
In Flanders Fields, one of history's most famous wartime poems, written in 1915 during the First World War by Canadian officer and surgeon John McCrae. It helped popularize the red poppy as a symbol of remembrance. When he volunteered at age 41 for service in the First World War, McCrae wrote to a
Compare how the speakers in these poems express different ways in which love can be painful. Flag by John Agard and In Flanders Field by John McCrae.
Gcse English Literature Short Stories Revision This short film is from the BBC series. director and cast and footage from both rehearsal and performance reveal the process of bringing the story alive on stage. Students could be encouraged to. Short stories – An extensive collection of teaching resources for KS4 English prose, including the classic texts and more obscure works. With
In Flanders fields. McCrae was inspired to write the poem on 3 May 1915, following Helmer's funeral. In summary, the poem observes how poppies blow in the fields.
In May 1965, he joined the militia's 57 Field Artillery Regiment (Royal. where John McCrae wrote his poem "In Flanders Field", then visited the Vimy Memorial,
It is thought that doctor John McCrae (30 November 1872 – 28 January 1918) began the draft for his famous poem "In Flanders Fields" on the evening of the 2.
Apr 30, 2015. Breaking Faith — In Flanders Fields. In Flanders fields the poppies blow. gallant, and soldierly, the speaker of the poem most likely knows.
Aug 07, 2014 · Listen to and read: In Flanders Fields, by John McCrae, a physician and lieutenant colonel in the Canadian Expeditionary Force in World War 1. Dr. McCrae wrote this poem after burying a friend, a.
French Poet Executed By Robespierre There are considerable echoes from French. and Other Poems, which features 29 poems about Lady Jane Grey, the great-granddaughter of Henry VII, a 17-year-old who was installed as Queen of England. Barcelona Museum Of Modern Art The Art Institute of Chicago is likely to receive a much-needed, multiphased makeover courtesy the Barcelona-based firm. The last
Seventeen veterans were honored Monday morning at the school's Veterans Day celebration that featured each class displaying.
In the poem "In Flanders Field" who is the speaker? The dead. The soldier. The doctor. None of the above. Question 6. In "Grass," what is the job of the grass?
Themes and message. The main themes of the poem "In Flanders Fields" by John McCrae are life and death, and war and duty. Set against the background of World War I, the poem explores the juxtaposition between the realities of warfare and death with natural rebirth. The poet's message is one of encouragement, an appeal to soldiers not.
14 Line 2 Rhyme Poem If we utilized the $507M comp against the current TGP pricing of $14.91 and we did a pure unit exchange, this would give 34M new units. Obviously not accretive as the GP's share of total cash flow in. These 500 corporations accumulated total revenue of 45.5 trillion yuan (US$6.6 trillion) – 14.8 per. loved ancient
May 22, 2018 · In Flanders Fields Analysis by Colonel John McCrae. He wrote it on May 3, 1915, after presiding over the funeral of friend and fellow soldier Lieutenant Alexis Helmer, who died in the Second Battle of Ypres. This poem acts as a remembrance, a call for those living not to forget the dead who are buried in a foreign land.
The remembrance poppy is an artificial flower that has been used since 1921 to commemorate military members who have died in.
The script features speeches for twenty different speakers, or teachers may wish to. wrote the famous war memorial poem "In Flanders Fields". He was a field.
Nov 6, 2018. This recent Manual Cinema video brings World War I poetry to life. Perhaps the most famous example is McCrae's "In Flanders Fields" (1915), in which the speaker's burial site makes "some corner of a foreign field. for.
The Guerrilla Is A Poet On the Front Line: Guerrilla Poems of El Salvador. In a Time of Violence is a collection of poems by contemporary Irish poet, Eavan Boland. Through her. 1 day ago. I am sitting beside Nicaraguan poet, author and former Sandinista guerrilla Giaconda Belli in her sprawling contemporary home overlooking. Oct 28, 2018. The following is
Col. John McCrae writing "In Flanders Fields" to mark the poem's 100th anniversary. "It is one of the First World War's most recognized poems and an integral part of Canadian culture," the Royal.
This is described in the famous World War One poem In Flanders Fields. Ever since then, they have come to be a symbol of.
Button Poetry Chapbook Contest 2018 Welcome to Poetic Licence – a new weekly poetry forum, hosted by us, featuring words by local poets. This week? Two pieces by Surrey poet David Ly. Oct 29, 2019. Lannie Stabile (she/her) was a finalist for the 2019/2020 Glass Chapbook Series and semifinalist for the Button Poetry 2018 Chapbook Contest. Black And White Modern
It's possible that In the Trenches was suggested by John McCrae's patriotic poem In Flanders Fields. McCrae's poem was first published. and the rhyme-word at the end is stammered out, as the.
McCrae had published other poetry, and submitted "In Flanders Fields" to The Spectator Magazine, which rejected it. Undaunted, he sent the poem to Punch magazine, which published it in December 1915.
In Flanders fields the poppies blow Between the crosses, row on row, That mark our place; and in the sky The larks, still bravely singing, fly Scarce heard amid the guns below. We are the Dead. Short days ago We lived, felt dawn, saw sunset glow, Loved and were loved, and now we lie In Flanders Fields. Take up our quarrel with the foe: To you from failing hands we throw The torch; be yours to.
Born out of heartache, written in the midst of insanity in the spring of 1915, In Flanders Fields may be the most famous poem.
A response poem to 'In Flanders Fields'By: Lieutenant Colonel John. eventually becoming a popular speaker throughout Canada and the US.
A Canadian doctor, Lt. Col. John McCrae, described them in the poem "In Flanders Fields." The organization's American.
The words of John McCrae, a soldier, doctor and poet, are called to mind every year on 11 November. It was his poem, In Flanders Fields, that was the inspiration for the poppy as a symbol of remembrance. This book charts the story of his life.
In Flanders Fields John McCrae, died 1918 In Flanders fields the poppies blow Between the crosses, row on row That mark our place; and in the sky The larks, still bravely singing, fly Scarce heard amid the guns below. We are the Dead. Short days ago We lived, felt dawn, saw sunset glow, Loved and were loved, and now we lie In Flanders fields.
The poem was "In Flanders Fields," the. life in the speaker's childhood, concluding with the now. 27 McCrae, In Flanders Fields and Other Poems, 29.
And he wrote. What he wrote, as Toronto author Linda Granfield knows as well as anyone, was"In Flanders Fields," thepoem that became an icon, the poem that 100 years on continues to inspire reverence.
To what does the speaker compare a person's actions during the day? 3. Now look at "In Flanders Fields" on p. 684. Who are the speakers of this poem? 16.
May 27, 2016. Leadership author and speaker. In 1915, Canadian artilleryman John McCrae penned poem about loss. In Flanders fields the poppies blow
This is described in the famous World War One poem In Flanders Fields. Ever since then, they have come to be a symbol of remembering not just those who.
The main themes of the poem "In Flanders Fields" by John McCrae are life and death, and war and duty. Set against the background of World War I, the poem.
Where does the poem come in? The scenes of the spring battles in the Ypres salient moved John McCrae, a Canadian doctor, to write "In Flanders Fields." He wrote the poem as he sat in the dressing area (where wounds were dressed) looking out at a field of graves. The poem was later published in Punch Magazine. McCrae died of pneumonia in 1918, a.
Poem 'In Flanders Fields'. On the otherwise barren front, where thousands of soldiers had recently perished, he saw vast numbers of poppies blossoming. A military graveyard full of poppies is an image that captures the imagination and strongly evokes the ambiguity so characteristic of the Great War.
The excerpt from the World War I poem "In Flanders Field" that the Canadiens will pass Saturday night as they take the ice at.
Mar 6, 2018. nate the reception of 'In Flanders Fields' as the poem of both the army and. 24 With these lines, the dead take centre stage as speakers that.
Jan 11, 2018. Free Essay: Poetry Response Closely analyze McCrae's "In Flanders Fields." Questions to consider: Who is the speaker of this poem and to.
This is an analysis of the poem In Flanders Field that begins with: In Flanders fields the poppies blow. Mood of the speaker: The punctuation marks are various. Neither mark predominates. The author used lexical repetitions to emphasize a significant image; we is repeated.
Feb 6, 2013. England is set to get its own version of the famous Flanders fields because the town. were immortalised in Lieutenant Colonel John McCrae's iconic war poem. Jeremy Corbyn embraces speaker at a London rally in new.
One former physician who both worked and died at the hospital was the Montreal-based pathologist who penned the iconic poem.
The speaker discovers Banalata Sen with the ecstatic amazement of a shipwrecked sailor who comes upon verdant fields in a cinnamon-isle. And so before the poem ends there appears the manuscript.
And he wrote. What he wrote, as Toronto author Linda Granfield knows as well as anyone, was"In Flanders Fields," thepoem that became an icon, the poem that 100 years on continues to inspire reverence.
The Cree Transation of the famous First World War poem In Flanders Fields. A video of the reading is available here In Flanders Fields – Cree Translation.
The poppy symbol is believed to have come from the poem "In Flanders Fields" by John McCrae, a poem about World War I that.
The poem was unabashed propaganda, a call to arms used by both the Canadian government and the poet to recruit more soldiers to the killing ground. YOU MIGHT BE INTERESTED IN. It worked: Fussell.
The poppy symbol is believed to have come from the poem "In Flanders Fields" by John McCrae, a poem about World War I that.
In Flanders Fields gripped the imagination of its first readers when it was published in 1915 in Punch magazine, a British.
Barcelona Museum Of Modern Art The Art Institute of Chicago is likely to receive a much-needed, multiphased makeover courtesy the Barcelona-based firm. The last time the museum was updated was in 2009 when Renzo Piano completed. May 22, 2019 – 07:52 BST Ainhoa Barcelona Princess Eugenie's holiday destination has been revealed as she missed her cousin Lady Gabriella Windsor's royal
Apr 26, 2017 · 1 Answer. The speaker of flanders field is "the dead" in line 6 it says "we the dead" as if speaking to the reader.
The excerpt from the World War I poem "In Flanders Field" that the Canadiens will pass Saturday night as they take the ice at.


text:
Conference news feed
CCLiveNews, Community Care, Conference news feed
What are the best ways to protect vulnerable individuals from mate crime?
CCLiveNews, Community Care, Conference news feed
How can agencies work together to prevent child trafficking?
Social work leaders
Community Care Inform
Employer Profile
Employer Zone
- How a flexible working culture has transformed the lives of social workers in Hampshire
- Encouraging a better work-life balance in a rural setting
- Building strong communities to promote independence
- 'We have permission from our senior leadership team to do things differently'
- Giving social workers the time and tools to achieve change
- Employer zone – showcasing a selection of the sector's top recruiters

subset: commoncrawl


text:
Supreme Court to review sentence of thief in law Pichuga's gang member
The prosecutor's office found the punishment of Makhach Azizov too lenient.
to a member of the organized crime group of thief in law Yury Pichugin (Pichuga), Makhach Azizov, reports BNK. The prosecutor's office considered the punishment in the form of seven years in a high-security colony and a fine of 600 thousand rubles ($9 thousand) imposed on Azizov to be too lenient.
Azizov was found guilty of participating in a criminal group and an armed gang, as well as murder. In court, a representative of the prosecutor's office asked for 10 years in prison with a fine of 800 thousand rubles ($12 thousand) for him.
As a member of Pichuga's gang, Azizov won over new members, monitored discipline and conspiracy, and also personally reported to the crime lord and for several years controlled the common cash fund of the group. He was also charged with organizing the murder of 26-year-old businessman Igor Nikolayev in January 2005.
In 2003-2004, Nikolayev received food products for sale from a businessman from Nizhny Novgorod, but failed to sell them. Pichugin found out about this and instructed crime boss Alexander Khlybov (Sasha Bely) to find the young businessman and draw a refund out of him. Nikolayev was found and arranged a meeting with members of Pichuga's gang in a Syktyvkar cafe. The entrepreneur recognized the debt and promised to pay it off as soon as possible. However, he did not fulfill his promise, and the debt to the businessman from Nizhny Novgorod was repaid from the common fund of the group. Pichugin demanded that Nikolayev return the money.
In December 2003, a conflict occurred between a man from Nikolayev's entourage and a businessman, who monthly transferred large sums to Pichuga's organized crime group for providing a 'roof,' at Shumakher club in Syktyvkar. A businessman's acquaintance that intervened in the quarrel received a penetrating wound in the stomach. The businessman complained to Makhach Azizov, who informed Pichugin about it. The thief in law gave the order to kill Nikolayev. The killer received 3 thousand dollars for his job.
Other materials
Guli's closest associate Arman Diky launches challenge on social network. Khabib Nurmagomedov backs him
Beheaded corpse of man in women's clothing found on railway tracks
The deceased 35-year-old resident was wearing women's boots, a coat, and had a purse. He also had a wig on his head.
Girl beaten by historian Sokolov 11 years ago gets involved in investigative actions
The girl arrived in Petersburg from another country to take part in investigative actions.
Name of another alleged participant in brutal execution in Syria revealed
Earlier, Novaya Gazeta published an investigation in which it claimed that fighters of the Wagner PMC were involved in the execution of a man.
Yeltsin's son-in-law says Putin wanted to leave the Kremlin
According to Yeltsin's son-in-law, Putin thought about leaving the Kremlin after being appointed the deputy head of the Russian Presidential Administration.
Postgraduate student of Moscow State University, who committed suicide in dormitory, was on drugs
The media announced what had allegedly caused the death of Dmitry Nikolaenko.
Toulouse man fined €100 for giving alms to beggar
Despite a warning from the railway police that begging was prohibited, the traveler gave 70 centimes to the poor family.
Two US Air Force pilots die in training flight in Oklahoma
The incident occurred at 9:10 local near the Vance Air Force base.
Dismembered body of school cleaner found in a dumpster, Kuzbass
A local man saw the body parts in the trash and spoke about his find to the police.


text:
Product Manager Intern
QR code that shows a different URL based on where you scan
Trade US stocks from India with zero commission trades
Real-life coding skill challenge
Discover and manage the top-performing content for any topic
Autogenerate visual sitemaps in seconds.
Camera-first social network for every moment
Social media design made simple
Your favorite avatar on all your favorite platforms
Analyze & compare MLB or NFL player data with search
Analyze less. Succeed more 😻
Filter & find vegan products on major shopping sites ✅
Design documentation for projects and styleguides.
Developer tools for deep learning & machine learning
First crypto-Patreon built on Ethereum
Build and deploy stunning Airtable-enabled forms
A privacy focused email provider using Blockchain technology
Big names. Big ideas. The best learning anywhere online.
Tutoring subscription featuring personalized matching
All-in-one cryptotrading terminal with automation ⚙💸
An Augmented Reality tamagotchi with the real wild animals


text:
Usually, it is really simple to get a rental car by complying with the following:
As for the most popular in
The cheapest car rental in
If you want to save some money, select the same pick-up and drop-off time. Car rental companies take money for a full day of rental, so if you take a car for 25 hours, you will pay for 48 hours (two full days) of rental, and 74 hours will stand for 96 hours (four full days) of rentals.
|from $15
|from $15
|from $88
|from $103
|from $162
|from $20
|from $22
|from $35
|from $17
|from $19
|from $68
|from $18
|from $19
|from $17
|from $114
|from $121
|from $99
Subscription successful! Thank you!


text:
WASHINGTON — The US Supreme Court turned down a gay couple's request Tuesday to have both of their names listed as the parents of an adopted boy.
The nine justices rejected without comment the appeal by Oren Adar and Mickey Ray Smith, backing a federal appeals court ruling earlier this year.
That decision found a Louisiana registrar's decision not to list both men on the child's birth certificate did not violate his right to equal protection under the law and did not deny legal recognition of the adoption that took place in New York.
Adopted children can obtain new birth certificates with their adopted parents' names on them in Louisiana, but the state only recognizes adoptions by married couples. Adar and Smith were not married at the time of the adoption.
The case, watched closely by gay rights advocates, did not address whether same-sex couples have a legal right to adopt.
CNN conservative zaps every Trump supporters' argument against impeachment
Republican-turned-Independent David Gergen served in four presidential administrations, two of which were impeached. When he heard one of President Donald Trump's shills on CNN Wednesday evening, he was quick to flatten the argument.
Scott Jennings argued that what Democrats were doing was unprecedented, but CNN commentator Kirsten Powers said that former President Bill Clinton was nearly thrown out of office for lying about an affair, something she argued was far less important than extorting a foreign power to sway a presidential election.
Seth Meyers flattens Trump's latest impeachment defense tactic — 'slurring like a lunatic' during rallies
Late-night comedian Seth Meyers observed that most people who were inches from being fired from their job would try and prove that they should remain. President Donald Trump, however, has taken a different path, "slurring like a lunatic while throwing in some of his trademark sexism."
Meyers played a clip of Trump's rally where he went after everything from admitting he demanded the Ukraine president say what he asked and an allegation that there'd be windmills all over the country under Hillary Clinton. Trump previously alleged that wind energy is dangerous because the windmills cause ear cancer. After an attack on Beto O'Rourke, Trump turned to Elizabeth Warren, who he said, "opened her fresh mouth."
Rachel Maddow wonders if Putin told Trump Seoul was nowhere near North Korea to mess with him
MSNBC host Rachel Maddow was flabbergasted by the recent revelation that Trump thought he could displace an entire South Korean city so that the 2,000 year-old capital would be safer. To make matters worse, President Donald Trump asked Russian President Vladimir Putin what he wanted the U.S. leader to do with North Korea.
The host compared the move to what it would be like to move the entirety of New York City, which has a smaller population than Seoul.


text:
Your Search Results
Maria DB, MongoDB, Python, Disability Insurance
100 Companies
eCommerce • Music
Since launching in 2013, Reverb has grown into the world's most popular music gear site, connecting millions of people around the world to the gear and the inspiration they need to make music. Our growing team comes to work each day to make Reverb the best place for musicians and music lovers to buy, sell, and learn about music gear.
eCommerce • Food
Grubhub is the nation's leading online and mobile food ordering and delivery marketplace dedicated to connecting hungry diners with local takeout restaurants. Our Technology is what makes us an industry-leader.. We empower our restaurant partners to connect with hungry diners, and support their delivery.
1200Local Employees
Internet of Things • On-Demand
Hey Chicago! We help the world's communications, information and content companies thrive in the most dynamic, challenging and complex market conditions imaginable. We boil complex problems down to give our customers simple solutions to their hardest challenges.
248Local Employees
Envoy Global
HR Tech • Legal Tech
Founded in 1998, Envoy is a global immigration services provider offering the only enterprise immigration management platform that makes it seamless for companies to hire and manage an international workforce by combining expert legal representation — for both inbound and outbound immigration — and our proprietary technology.
120Local Employees
All Campus
Agency • Edtech
All Campus creates value for leading universities by expanding their reach and cultivating relationships with students to advance their lives through education. All Campus is dedicated to providing an outstanding experience for students, university clients and our employees, through collaborative partnerships and innovative technology and services.
90Local Employees
Big Data • Cloud
Discover is one of the most recognized brands in U.S. financial services. We're a direct banking and payment services company built on a legacy of innovation and customer service. We support, challenge and inspire employees to continually develop their skills, advance their career and help grow our business. Named to Digital Edge 50 2019
4500Local Employees
eCommerce • Information Technology
Syndigo is the industry's only trusted single-source provider of consumer product information and content from supply chain to end customer utilization, offering a powerful end-to-end product content experience across multiple industries. Syndigo is raising the standard of what great product experiences can be.
200Local Employees
eCommerce • HR Tech
PerkSpot is on a mission to inspire employees everywhere to love where they work by delivering meaningful savings and recognition in their workplace. With 750 clients like Walgreens and McDonald's, PerkSpot helps over 10 million employees save money by offering exclusive discounts on top brands such as Samsung, Target, and AMC Theaters.
80Local Employees
AdTech • Software
Centro provides enterprise-class software for digital advertising organizations. Our technology platform, Basis, is the first of its kind SaaS advertising solution unifying programmatic and direct media buying, along with workflow automation, cross-channel campaign planning, universal reporting and business intelligence.
265Local Employees
Fintech • Information Technology
DFIN is a leading global risk and compliance solutions company. We provide domain expertise, software and data analytics for every stage of our clients' business and investment lifecycles. Markets fluctuate, regulations evolve, technology advances, and through it all, DFIN delivers confidence with the right solutions in moments that matter.
250Local Employees
Civis Analytics
Big Data • Machine Learning
Civis Analytics helps leading businesses, nonprofits, and government agencies use data to identify, attract, and engage customers, constituents, and citizens. We use proprietary data, technology and advisory services, and an interdisciplinary team of data scientists, developers, and survey science experts, Civis helps organizations stop guessing.
150Local Employees
AdTech • Marketing Tech
Powered by AI, DialogTech attributes customer calls to your marketing, showing you exactly how these conversations impact the customer journey. We provide the actionable analytics and technology to generate more calls at a lower cost, personalize call experiences, and drive revenue.
132Local Employees
KAR Global
Artificial Intelligence • Automotive
KAR Global powers the world's most trusted automotive marketplaces through innovation, technology and people. Our diverse team helps manufacturers, financial institutions, insurance companies and dealer groups buy, sell and trade used vehicles.
70Local Employees
Optiver's story began over 30 years ago, when we started business as a single trader on the floor of Amsterdam's options exchange. Today, we are at the forefront of trading and technology as a leading global electronic market maker, focused on pricing, execution and risk management. → Follow the Optiver Tech Blog to learn more www.optivertech.us
230Local Employees
Big Data • Transportation
Founded by The Allstate Corporation in 2016, Arity is a data and analytics company focused on improving transportation. We collect and analyze enormous amounts of data, using predictive analytics to build solutions with a single goal in mind: to make transportation smarter, safer and more useful for everyone.
270Local Employees
Our e-commerce website has everything businesses and consumers need to make their business go, at prices that make sense. We've got over 2.5 million products (and counting) that are shipped fast and often free. Throw in our award-winning culture and customer service and you'll find Zoro an amazing place to work and grow!
300Local Employees
Cloud • Healthtech
At Lumere, we have the ambitious goal to change the way our healthcare system delivers medical care through access to unbiased clinical evidence and actionable analytics to make better decisions. If every health system in the country uses our industry-leading solutions, we can fundamentally change the way health systems operate.
94Local Employees
The Trade Desk
The Trade Desk powers the most sophisticated buyers in advertising technology. We were founded by the pioneers of real-time bidding, and we've become the fastest growing demand-side platform in the industry by offering agencies, aggregators and their advertisers best-in-class technology to manage display, social, video and TV advertising campaigns....
71Local Employees
Wolverine Trading
The Wolverine companies comprise a number of diversified financial institutions specializing in proprietary trading, asset management, order execution services, and technology solutions. We are recognized as a market leader in derivatives valuation, trading, and value-added order execution across global equity, options, and futures markets.
300Local Employees
Geneva Trading
Geneva was designed to be a nimble organization with a rigid focus on its core strengths: risk management, market enhancement, technology innovation, and alpha generation.
110Local Employees


text:
Client Liaison performed another fantastic show at the Wollongong Uni Bar tonight. They're hilarious showmen and the sax solos cracked me up. 🔊🎵🎶
Client Liaison performed another fantastic show at the Wollongong Uni Bar tonight. They're hilarious showmen and the sax solos cracked me up. 🔊🎵🎶
Inconsistent Whimsy on Lounge Ruminator
I walked past these beautiful flowers during my lunchtime stroll at work today; the smell was wondrous.
It was lovely to go to the most recent Lifeline Book Fair in Berkeley this morning with @NTKF. (Naturally we ran into a few other locals there.) It always pleases me to see so many people going to support the cause for mental health and browse books with their kids.
Our cute friend, Rocky the cockatiel!
Looking towards Darling Harbour and Tumbalong Park in Sydney
Ultra-wide is great for plane stuff.
Watching @NTKF play indoor hockey in Unanderra
My inner child burst out at the antique shop this morning and I couldn't resist buying this old Bburago model of a 1962 Ferrari GTO—I just love the shape of it.
Café 10 Vintage & Collectables in Port Kembla
A nice afternoon stroll through Nyrang Park in Keiraville
Civic Plaza in Wollongong CBD brings back lots of memories: I used to teach drama and have been to many shows at the arts centre here; I've visited the travelling Spiegeltent here; and I've also had wedding shots with @NTKF in a few spots around the place. 🏤🌳🥰
A little walk through Wollongong Botanic Garden
It was a beautiful out on my mum's back deck yesterday. The long weekend went way too quickly.
A wondrous Monday morning in Keiraville! Thank goodness for the public holiday today…
Hans Zimmer Live (again) at Sydney Olympic Park
Night mode in iOS 13 can certainly produce some really fascinating shots, like this one that I took above my mum's house yesterday. It feels odd to be revealing the reality that is obscured by darkness by actually distorting that very reality through software.
One of the best things about Natasha having school holidays at the moment is that she can send me cute photos of our guinea pigs at home. Paco is trying to sleep under the water dispenser in this shot.
I'm very fortunate to have a place like this to walk through and sit around at lunchtime. (I thought that a less apocalyptic photo than yesterday's would be nice.)
I do enjoy an apocalyptic, post-nuclear landscape shot every so often during my lunchtime walk.
Guinea pig saladfest with night mode!
Another visitor today!
Whilst I was feeding the guinea pigs, this little parrot dropped by to say hello!
Tonight was a great opportunity to test night mode with iPhone 11 Pro in Wollongong. I am most pleased.
Natasha took this lovely shot of Rogue and Rio and I had to share it.


text:
Out of Stock
This file is not currently available to purchase on Tradebit
Sold by music on Tradebit
The world's largest download marketplace
2,908,957 satisfied buyers
MP3 Auryn - Alright/Ok
The best unsigned band cd you''ve ever heard.
12 MP3 Songs
ROCK: Modern Rock, ROCK: Acoustic
"With everyone trying to discover or break the ''next big thing'' in music these days, people are overlooking a ton of bands that just flat-out rock. Ohio''s Auryn is one such group. They''re not garage, they''re not emo/punk, and they''re not some hip indie band. They''re just damn good rock."
Robert Thompson
Kings of A&R - https://www.tradebit.com
"Auryn is an extremely talented band with great songs. Every time we have them play live in the studio the phones go crazy and with good reason. These guys are meant for the next level and I can''t wait for the day we add them into full rotation."
Mike Campana (Campy - morning DJ)
WGTZ 92.9FM (Z-93) - https://www.tradebit.com
"From song-writing to arrangement, production to musicianship (and a lead singer who projects convincingly), Auryn are quite simply a very good rock act whose lyrics ("Your World", "Back To Me", and "Stuttering") yearn for what we all want - a better world. No reason why smart A&R ears couldn''t tweak this project into distinction."
Music Connection Magazine
Volume XXVI, Issue #23
Auryn Credits:
- Crushed the record for independent sales at ON CUE Records outside Dayton, selling almost 1,000 units through one store.
- Both "Stuttering" and "Sick Of This Place" were the #1 requested songs at WGTZ 92.9FM.
- Played WGTZ Z-93''s Morning Show with "Mallory & Campy" 3 times in the last year.
- Headlined Clear Channel''s WXEG 103.9 "Boo and Brew" event two years in a row; attendance at this year''s event was over 10,000.
- Consistently drawing 500+ fans locally and 250+ in regional markets.
- Selected to open for Breaking Benjamin, 3 Doors Down, Our Lady Peace, Shinedown, Fuel, Live, Jason Mraz, Tantric, Seether, Ben Jelen, and Kings X, among others.
- Opened for The Neville Brothers, playing for 15,000+ people.
- Budweiser True Music Live Band for the second year in a row.
File Data
This file is sold by
, an independent seller on Tradebit.
Contact music
More Files from music
Our Reviews
© Tradebit 2004-2019
All files are property of their respective owners Questions about this file?
Contact music
DMCA/Copyright or marketplace issues?
Contact Tradebit


text: LSHD My Rides (2) Posted November 18, 2015 I picked up a set of 2006 SSS forks for my 2005 YZ250. Not sure what springs they have. Need to open them up. If they are stock (0.428), will they work well for trails and just a little bit of track with just clicker adjustments? I ride trails 95% of the time. It is necessary to get them revalved? Rear shock is an 07 0.49 titanium unequal pitch. I weigh 172 pounds without gear. Thanks in advance for any advice. 1 Share this post Link to post Share on other sites


text:
One Very Weird Commerical
Womens White Converse Shoes Australia
How many friends are enough?How many friends are enough?
The best way to build and sharpen your child's skills is to read to him. But there are other fun ways Converse All Star White Cheap
Parents Converse Toddler Uk Sale
Help your kids learn their letters before kindergartenHelp your kids learn their Womens White Converse Shoes Australia letters before kindergarten
understand their own place in the world. But there are ways you can help them handle their emotions and feel more confident in their new role of big sibling.
From kidcomplishment
to get your kids excited about learning their ABC's.
may want their young learners working on early math and reading skills, but teachers often have a different set of goals. Sitting still, paying attention and getting along with others are key to later success in school.
One toddler who won listen to anything, another who hides in the closet, and a 4 year old that insists on being the center of attention. What to do?
What kids really learn in preschoolWhat kids really learn in preschool
Ask the experts: Solutions for parenting dilemmasAsk the experts: Solutions for parenting dilemmas
Adjusting to a baby in the family can be difficult for toddlers, who are still trying to Converse White Mens Sports Direct
No parent wants their child to be a loner. But the truth is that some children just aren as social as others.
Womens White Converse Shoes Australia
Black Converse Womens 8
New Era Denver Broncos
Converse All Star For Girls White
Converse All Star White Trainers
Black Leather Converse Shoes Ebay
Converse All Star Leather Hi White Mono
Chicago Cubs Hat
Converse All Star Clearance Sale
Cheap Converse All Star Shoes Australia
Adidas Cap White And Black
Converse Canvas Shoes Buy Online
Converse Chuck Taylor Black Red
New Era Cap Houston Colt 45s
Converse Australia Womens
New Era Los Angeles Kings


text:
Overlooking the simple fixtures in your life is common, almost second nature, but one company wants to revamp those things, starting with flexible washroom fixtures.
'Groupwork' is a collective of designers based out of Melbourne, Australia that got together for the purpose of designing "solutions for the small things we all use every day." Items used every day have a tendency to go unappreciated and often fade into the background. This collective instead created 'Simplify,' a design curated by director Sarah Trotter that takes bathroom fittings and accessories and makes them more flexible and more efficient.
The flexible elements sit atop a solid brass towel rack that is easy to install and remove. Also, it is able to hold accessories that slide onto the rack for greater functionality.
This Collection by 'Groupwork' Makes the Basics Even More Efficient
Gurveer Brah — August 19, 2015 — Art & Design
References: groupworkstudio & design-milk


text:
- By country
- By industry
- By topic
- Companies
- Reports
- Charts
- Top 100
- Research
Bucharest bourse indices rebound, Nuclearelectrica leads blue-chip gainers
INTERVIEW - Bulgarian start-up Santulita expects first profit in 2020
Croatia's JGL sells 130 mln kuna (17.5 mln euro) bond issue
Krka leads blue-chip gainers in Ljubljana, Sava Re drops
Bosnian share indices mostly down in week ended Dec 13
You have 10 free articles left this month. Get your freeBasic subscription now and gain instant access to more.
SKOPJE (North Macedonia), August 6 (SeeNews) - North Macedonia's TTK Banka [MSE:TTK] said that its net profit grew to 56.7 million denars ($1 million/919,000 euro) in the first half of 2019 from 32.0 million denars in the same period of 2018.
The bank's improved performance was mainly due to a plunge in net non-financial asset impairments to just 512,000 denars in the first six months of 2019 from 51.1 million denars in the corresponding period of last year, figures from the company's interim financial statement showed.
TTK Banka's net interest income fell to 131.8 million denars in the January-June period of 2019 from 135.5 million denars in the comparable period of 2018.
The lender's net fee and commission income grew to 65.6 million levs in the review period from 60.4 million levs the year before.
Other operating income dropped to 52.1 million denars in the first six months of the year from 79.7 million denars in the like period of 2018.
Loans and advances to customers other than banks increased to 4.91 billion denars at the end of June from 4.57 billion denars a year earlier, while deposits from customers other than banks grew to 6.81 billion denars from 6.37 billion denars.
TTK Banka's total assets rose to 8.20 billion denars at the end of the first half of 2019 from 8.00 billion denars a year earlier.
(1 euro = 61.7292 denars)


text:
0 items, $0.00
Home » Shop by Product » Dolls House Accessories » Clocks, Vases and Ornaments » D2250 Pair of China Elephants
$7.33 $9.77
BrandStreets Ahead
Scale 1:12
Dimensions 1.6cm x 1.2cm x 2.5cm
Rating »
1/12th Scale Pair of China Elephants
Add to Wishlist
Customer Reviews
Laura G
These elephants are so beautiful and ar the second pair I have bought.
Jennifer D
Looks good in my Victorian study.
Sara U
Really pleased with these items. Really good quality.
Very cute and although a little pricey they look great in a mahogany cabinet.
Joanne L
Love these elephants they look really good in my Victorian house
June W
Loved these elephants! They are going in my doll house curio cabinet! I collect elephants so these are a wonderful addition! Your items are all so fantastic!
Kathi P
Iovely ornements
Annie A
Your rating (move your mouse over to select)
Your review
Your name
You May Also Like
AW02 - 1:12 Scale Shield
DP188 - Porcelain Governess, Shop Assistant or Teacher
E3088 - Beryl the Cook Doll
E5627 - Variegated Yucca Plant in Pot.
MS501 - 1:12 Scale Band-Aid
Be the first to hear about exclusive offers and arrivals


text:
- To fall or rush upon suddenly and lay hold of; to gripe or grasp suddenly; to reach and grasp."For by no means the high bank he could seize." [Spenser.]"Seek you to seize and gripe into your hands The royalties and rights of banished Hereford?" [Shak.]
- To take possession of by force."At last they seize The scepter, and regard not David's sons." [Milton.]
- To invade suddenly; to take sudden hold of; to come upon suddenly; as, a fever seizes a patient."Hope and deubt alternate seize her seul." [Pope.]
- [law] To take possession of by virtue of a warrant or other legal authority; as, the sheriff seized the debtor's goods.
- To fasten; to fix.(Obs)"As when a bear hath seized her cruel claws Upon the carcass of some beast too weak." [Spenser.]
- To grap with the mind; to comprehend fully and distinctly; as, to seize an idea.
- [Naut] To bind or fasten together with a lashing of small stuff, as yarn or marline; as, to seize ropes.synonyms: To catch; grasp; clutch; snatch; apprehend; arrest; take; capture.
Note: ☞ This word, by writers on law, is commonly written seise, in the phrase to be seised ofan estate), as also, in composition, disseise disseisin.
Etymology: OE. seisen saisen, OF. seisir saisir, F. saisir, of Teutonic origin, and akin to E. set. The meaning is properly, to set, put, place, hence, to put in possession of. See Set (v. t.)


text:
Job Board
Job Seekers, Welcome to GHC Job Board
The job you tried to view is no longer active.
See similar jobs below or perform a new job search.
See similar jobs below or perform a new job search.
Sort By
1,446 'patient OR access OR representative OR ed OR access OR service OR full OR time OR evening OR shift OR STATECODE:"NJ"' Jobs
Newark, New Jersey
Rutgers New Jersey Medical School (NJMS)
2 Weeks Ago
East Orange, New Jersey
The East Orange Campus of the VA New Jersey Health Care System
3 Weeks Ago
Central New Jersey, New Jersey
University Urology Associates of New Jersey (UUANJ.COM)
2 Weeks Ago
Hackensack, New Jersey
John Theurer Cancer Center, Hackensack Meridian Health
2 Weeks Ago
New Brunswick, New Jersey
Rutgers Cancer Institute of New Jersey
3 Weeks Ago
Morristown, New Jersey
Goryeb Children's Hospital
3 Weeks Ago
New Brunswick, New Jersey
Rutgers Robert Wood Johnson Medical School
4 Weeks Ago
Greenwood Village, Colorado
Colorado Hospital Association
3 Weeks Ago
Westerville, Ohio
Mount Carmel Rehabilitation Hospital an affiliate of Encompass Health
2 Weeks Ago
Tenet Headquarters
1 Week Ago
ED Tech/ Constant Observer FT evenings 32 hrs 3 pm - 11:30 pm and every other weekend and holiday Framingham
Framingham, Massachusetts
MetroWest Framingham Union Hospital
1 Week Ago
Powered By


text:
We use cookies to ensure the best user experience and to serve tailored advertising. To learn more about our cookies and how to manage them, please visit ourCookie Policy
This two year full-time foundation degree course is suitable both for those who have experience of working in health or care and those who wish to enter this sphere of work, having completed a full Level 3 qualification. The course is designed to enable you to develop knowledge, skills and competency with which to engage in contemporary aspects of public health and social care. Public health addresses key preventative health measures and this is balanced with an approach to social care provision as a response to illness and disorder. These twin elements are applied to community and personal health, and to the type and appropriateness of support. Opportunities to learn from external guest lectures, as well as visits to relevant institutions are available. The course has strong links with Croydon Public Health department who offer work placements and contribute to development of the programme. This process uses a range of approaches including reports, essays, seen exams, group presentations and reflective portfolios as well as the incorporation of practice experience. Successful completion of the Foundation Degree provides the opportunity to progress to the BA (Hons) - Public Health and Social Care at University Centre Croydon. This Degree course is only available to students who have completed the FdA - Public Health and Social Care here at UCC. Former students have progressed to senior care roles, housing support work, youth support work, welfare advice and postgraduate courses in Social Work, Occupational Therapy and other professions allied to medicine.
College Road
Thinking of studying in London?
Check out our London city guide


text:
Jaxx 1.3Free
Jaxx is a free-to-use Bitcoin wallet for Mac OS X.
Main features:
- You can transfer all funds from a paper wallet/private key into your Jaxx wallet.
- Pair your wallet to or from another device via a QR code or master mnemonic.
- User friendly interface.
Share your experience:Write a review about this program
Info updated on:


text:
- More
Beatles - A Group of Display Items From Hamburg (Germany)....Click the image to load the highest resolution version.
DescriptionBeatles - A Group of Display Items From Hamburg (Germany). Here is a group of items which harken back to the Beatles' black-leather days in the St. Pauli district of Hamburg. Beginning with two very colorful and striking later reproductions of the period posters which advertised the twin bill of Rory Storm and the Hurricanes and The Beatles at the Kaiserkeller in 1960. With a set of 17 vintage German postcards and small picture cards of the St. Pauli area and clubs, all from the 1960s and earlier, and a 1960s guide to Hamburg. Rounding the group out is a 12" retail signage piece of Klaus Voorman's artwork which was used for the Beatles Anthology 1. All items Very Good or better. From the Uwe Blaschke Beatles Collection.
Auction Info
Buyer's Premium per Lot:
25% on the first $100,000 (minimum $14), plus 20% of any amount between $100,000 and $1,000,000, plus 12% of any amount over $1,000,000 per lot.
Calculate Standard Domestic Shipping Sales Tax information
Terms and Conditions | Bidding Guidelines and Bid Increments | Glossary of Terms
Floor auctionsOpen for bidding: (View All)
Fine & Rare Wine
Ends on 12/09/2019
Arms & Armor
Ends on 12/09/2019
Luxury Accessories
Ends on 12/09/2019
Jewelry & Timepieces
Ends on 12/09/2019
Jewelry & Timepieces
Ends on 12/10/2019
Decorative Art
Ends on 12/12/2019
Comics & Comic Art
Ends on 12/13/2019
Arms & Armor
Ends on 12/14/2019
US Coins
Ends on 12/15/2019
World & Ancient Coins
Ends on 12/29/2019
Opens about 12/20/2019
US Coins
Opens about 12/20/2019
Opens about 12/20/2019
Decorative Art
Opens about 12/19/2019
Comics & Comic Art
Opens about 12/11/2019
World & Ancient Coins
Opens about 12/17/2019
US Coins
Opens about 12/16/2019
Sports Collectibles
Opens about 12/23/2019
World & Ancient Coins
Opens about 12/26/2019
Fine Art
Opens about 12/31/2019
Jewelry & Timepieces
Opens about 12/26/2019
World & Ancient Coins
Opens about 12/30/2019
Sports Collectibles
Opens about 01/08/2020
Jewelry & Timepieces
Opens about 01/24/2020
World & Ancient Coins
Opens about 01/05/2020
Heritage membership
- Past Auction Values (prices, photos, full descriptions, etc.)
- Bid online
- Free Collector newsletter
- Want List with instant e-mail notifications
- Reduced auction commissions when you resell your
- Cash Advances
- More Bidders
- Trusted Experts
- Over 200,000 Satisfied Consignors Since 1976
Learn about consigning with us
It was a great day! Thank you for the great work! I appreciate your help and attention on the sale.View More Testimonials
HA.com receives more traffic than any other auction house website. (Source: Similarweb.com)


text:
Formal self-insurance is the deliberate decision to pay for otherwise insurable losses out of one's own money.[citation needed] This can be done on a formal basis by establishing a separate fund into which funds are deposited on a periodic basis, or by simply forgoing the purchase of available insurance and paying out-of-pocket. Self-insurance is usually used to pay for high-frequency, low-severity losses. Such losses, if covered by conventional insurance, mean having to pay a premium that includes loadings for the company's general expenses, cost of putting the policy on the books, acquisition expenses, premium taxes, and contingencies. While this is true for all insurance, for small, frequent losses the transaction costs may exceed the benefit of volatility reduction that insurance otherwise affords.[citation needed]
High Income: Those with a high income are facing a different problem. Many who have high incomes didn't purchase insurance in the past; they just paid health care expenses as needed. Paying two percent of a high income for the penalty can be a rather large sum for high-income persons. In this case, it might be cheaper to just buy qualifying health insurance. If you are in good health, you might want to choose the lowest qualifying plan. If you have ongoing health issues, you may as well bite the bullet and choose a more exhaustive plan and lower your out-of-pocket expenses.
Insurable interest – the insured typically must directly suffer from the loss. Insurable interest must exist whether property insurance or insurance on a person is involved. The concept requires that the insured have a "stake" in the loss or damage to the life or property insured. What that "stake" is will be determined by the kind of insurance involved and the nature of the property ownership or relationship between the persons. The requirement of an insurable interest is what distinguishes insurance from gambling.
In India IRDA is insurance regulatory authority. As per the section 4 of IRDA Act 1999, Insurance Regulatory and Development Authority (IRDA), which was constituted by an act of parliament. National Insurance Academy, Pune is apex insurance capacity builder institute promoted with support from Ministry of Finance and by LIC, Life & General Insurance companies.
These are on the high side, but there are still instances in which they won't be enough to fully cover you. For example, if you accidentally hit a luxury car, replacing it could easily cost more than the $25,000 legal minimum for property damage coverage. If the other driver is injured, their medical bills could also exceed the $30,000 bodily injury minimum fairly easily. In each case, you'd be responsible for making up the difference yourself.
When insured parties experience a loss for a specified peril, the coverage entitles the policyholder to make a claim against the insurer for the covered amount of loss as specified by the policy. The fee paid by the insured to the insurer for assuming the risk is called the premium. Insurance premiums from many insureds are used to fund accounts reserved for later payment of claims – in theory for a relatively few claimants – and for overhead costs. So long as an insurer maintains adequate funds set aside for anticipated losses (called reserves), the remaining margin is an insurer's profit.
Drive Other Car insurance is similar to an Individual Named Insured Endorsement. If you need to borrow, test drive, rent, or lease a vehicle, Drive Other Car insurance will extend the coverages you've purchased for your commercial auto insurance policy - like Liability insurance, Physical Damage insurance, Medical Payments, and Uninsured Motorist Insurance, to a non-owned car.
Some communities prefer to create virtual insurance amongst themselves by other means than contractual risk transfer, which assigns explicit numerical values to risk. A number of religious groups, including the Amish and some Muslim groups, depend on support provided by their communities when disasters strike. The risk presented by any given person is assumed collectively by the community who all bear the cost of rebuilding lost property and supporting people whose needs are suddenly greater after a loss of some kind. In supportive communities where others can be trusted to follow community leaders, this tacit form of insurance can work. In this manner the community can even out the extreme differences in insurability that exist among its members. Some further justification is also provided by invoking the moral hazard of explicit insurance contracts.
Claims and loss handling is the materialized utility of insurance; it is the actual "product" paid for. Claims may be filed by insureds directly with the insurer or through brokers or agents. The insurer may require that the claim be filed on its own proprietary forms, or may accept claims on a standard industry form, such as those produced by ACORD.
Even if the open-enrollment period has passed for signing up for insurance via one of the exchanges, you might still be able to purchase subsidized insurance if you've had a qualifying life event. Qualifying events include moving to a new state, change in income, change in family, loss of coverage and others. You may even be able to apply simply because you did not understand that open-enrollment ended or you did not understand the health care law. If your income qualifies you for subsidized health care, you'll want to purchase through your state exchange.
Social insurance can be many things to many people in many countries. But a summary of its essence is that it is a collection of insurance coverages (including components of life insurance, disability income insurance, unemployment insurance, health insurance, and others), plus retirement savings, that requires participation by all citizens. By forcing everyone in society to be a policyholder and pay premiums, it ensures that everyone can become a claimant when or if he/she needs to. Along the way, this inevitably becomes related to other concepts such as the justice system and the welfare state. This is a large, complicated topic that engenders tremendous debate, which can be further studied in the following articles (and others):
While obtaining suitable health insurance requires a bit of effort, health insurance is now affordable to more Americans than before. Increasing the parental coverage to 26 years old and introducing the medical exchanges has helped, especially for younger Americans who can now acquire affordable coverage. It only takes a few minutes using our health insurance tools to discover the plans available in your area. To find the best plan for your specific needs, we recommend comparing plans from at least three insurance companies that offer coverage in your area.
Many insurance executives are opposed to patenting insurance products because it creates a new risk for them. The Hartford insurance company, for example, recently had to pay $80 million to an independent inventor, Bancorp Services, in order to settle a patent infringement and theft of trade secret lawsuit for a type of corporate owned life insurance product invented and patented by Bancorp.
State Farm Bank, F.S.B. Bloomington, Illinois, is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and subject to investment risk, including possible loss of principal invested. Contact State Farm Bank toll-free at 877-SF4-BANK (877-734-2265).
Gap insurance covers the excess amount on your auto loan in an instance where your insurance company does not cover the entire loan. Depending on the company's specific policies it might or might not cover the deductible as well. This coverage is marketed for those who put low down payments, have high interest rates on their loans, and those with 60-month or longer terms. Gap insurance is typically offered by a finance company when the vehicle owner purchases their vehicle, but many auto insurance companies offer this coverage to consumers as well.
Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2), Civic Property and Casualty Company (#4241-6), Exact Property and Casualty Company (#4240-8), Neighborhood Spirit Property and Casualty Company (#4242-4).
Evaluating health insurance companies for every person's needs is impossible. Plan pricing can vary greatly depending on your exact circumstances. However, we collected data to help us determine the selection of plans available and average premium rates for the companies we reviewed. We rated the companies highest that provide a wide range of plan options coupled with competitive pricing. We researched the least and most expensive plan options for metropolitan and midsize town locations across the U.S. for 35, 45 and 55-year-old non-smoking males. Using this data we were able to determine which service generally offers the widest range of plan options at a reasonable price. The quotes you receive might vary greatly from our test data depending on your specific situation.
Humana is a great option for consumers in some parts of the United States, as it's only available in 22 states. If you happen to live in one of those states and are over the age of 45, you're likely going to see lower premiums than with other insurance companies. In our tests we looked at policies for single non-smokers in five different places. We found the premium rates were lower across the board than many other companies we tested, particularly for seniors.
Business insurance can take a number of different forms, such as the various kinds of professional liability insurance, also called professional indemnity (PI), which are discussed below under that name; and the business owner's policy (BOP), which packages into one policy many of the kinds of coverage that a business owner needs, in a way analogous to how homeowners' insurance packages the coverages that a homeowner needs.[31]
Be sure to take an inventory of all of your personal belongings inside the home, value them, and calculate what it would cost to repair or replace your stuff if they're damaged, destroyed, or stolen by a covered loss. Most of the top home insurance companies will provide checklists, calculators, apps, and other resources to help you keep track of and protect your belongings.
Low Income: If your income is 100 to 400 percent of the national poverty rate ($11,490 - $45,960) for a single person, you may qualify for subsidized health insurance. In many cases this is not free health insurance but subsidized. This means you can get bronze-level health insurance for about $2570 per year through one of the state exchanges. Extremely low-income individuals and elderly persons often qualify for Medicare. If you paid the fine for 2014 you may still qualify for insurance via an exchange, even if it is not during the open-enrollment period, to avoid the fee in 2015.
In the United States, economists and consumer advocates generally consider insurance to be worthwhile for low-probability, catastrophic losses, but not for high-probability, small losses. Because of this, consumers are advised to select high deductibles and to not insure losses which would not cause a disruption in their life. However, consumers have shown a tendency to prefer low deductibles and to prefer to insure relatively high-probability, small losses over low-probability, perhaps due to not understanding or ignoring the low-probability risk. This is associated with reduced purchasing of insurance against low-probability losses, and may result in increased inefficiencies from moral hazard.[56]
In 2017, within the framework of the joint project of the Bank of Russia and Yandex, a special check mark (a green circle with a tick and 'Реестр ЦБ РФ' (Unified state register of insurance entities) text box) appeared in the search for Yandex system, informing the consumer that the company's financial services are offered on the marked website, which has the status of an insurance company, a broker or a mutual insurance association.[54]
Retrospectively rated insurance is a method of establishing a premium on large commercial accounts. The final premium is based on the insured's actual loss experience during the policy term, sometimes subject to a minimum and maximum premium, with the final premium determined by a formula. Under this plan, the current year's premium is based partially (or wholly) on the current year's losses, although the premium adjustments may take months or years beyond the current year's expiration date. The rating formula is guaranteed in the insurance contract. Formula: retrospective premium = converted loss + basic premium × tax multiplier. Numerous variations of this formula have been developed and are in use.
In 2017, within the framework of the joint project of the Bank of Russia and Yandex, a special check mark (a green circle with a tick and 'Реестр ЦБ РФ' (Unified state register of insurance entities) text box) appeared in the search for Yandex system, informing the consumer that the company's financial services are offered on the marked website, which has the status of an insurance company, a broker or a mutual insurance association.[54]
Additionally, you can get coverage for international travel, regardless of which state you live in. If Kaiser Permanente's limited scope works for you, it has a helpful app. In fact, it was one of only three to earn a A+ in our tests. It works on both Android and iPhone and is incredibly easy to navigate and well designed. It's map feature will show you exactly where your local doctors and hospitals are. One other unique feature about this provider is its multilingual services. Kaiser Permanente has interpreters who can translate medical information for those who don't speak English.
The cheapest car insurance, period, will likely carry the minimum coverage required in your state. In most states, this is liability insurance only, which covers property damage and medical bills for others due to accidents you cause. Some states also require uninsured and underinsured motorist coverage, which pay for your injuries or damage if an at-fault driver doesn't have enough insurance.


text:
Like it when you cum! Makes me horny as hell!
3 months ago, asdf1234asdf1234
Two naughty Thai teens enjoy sharing a big white boner8 minxxx video
kurwa zajebiste jebanieI wanna lick & fuck thai slutsThais are the best fucks
Hairy ass pics get you horny and hard? Then this is the place to be, as in our galleries you will find the most revealing photos of most hairy asses out there. Amazing quality photos - it's like you can touch this sexy hairy ass if you reach. Disclaimer: All models on this website are 18 years or older.


text:
Boris FX Product Bundle
Intrested in buying Sapphire, Continuum or Mocha Pro? Contact us and we'll help you out.
Compatibility: Adobe After Effects & Premiere Pro, Avid Media Composer, Symphony, Newscutter, and OFX hosts: The Foundry's NUKE, Resolve, Vegas Pro, and Autodesk Flame (Sapphire only)
Operating System: Linux: Sapphire Flame/OFX and Mocha Pro 5., Mac OS X, Windows
Brand: Boris FX


text:
Are you launching a new product or a service? Create a video to show how it works. 98% of users say they've watched an explainer video to learn more about a product or service. That is why 45% of businesses who use video marketing said that they have an explainer video on their home page. Of those businesses, 83% said that their homepage explainer video was effective.
Earned video distributionExtended ArticleHow to Perfect Your Earned Video Distribution StrategyWe've talked about owned and paid distribution and the effect they can have on your video's success. While they're the most common ways to… Read More is one of the trickiest types of distribution due to its uncontrollable nature. Try as you may, earned media means you're essentially leaving this distribution up to chance, though there are some definite efforts you can make to push the needle a little further in your favor. Since earned media is totally free to implement, it's just a matter of putting in the effort and not being afraid to follow up.
As of October 2018 almost 4.2 billion people were active internet users and 3.4 billion were social media users (Statista). China, India and the United States rank ahead all other countries in terms of internet users. This gives a marketer an unprecedented number of customers to reach with product and service offerings, available 24 hours a day, seven days a week. The interactive nature of the internet facilitates immediate communication between businesses and consumers, allowing businesses to respond quickly to the needs of consumers and changes in the marketplace.
I think by now, most of the principles of SEO are more or less well understood by people that have done their time in the trenches since 1999, although new platforms and data types arrive all the time keeping the need for ongoing practice or testing even more important than in the past. The need to learn about new entrants like Siri, Alexa, Facebook, Linkedin, and specialist search engines (like Booking.com, for example) will keep SEOs on their toes for years to come.
For content to stand out, businesses must differentiate their material from other companies, especially competitors. Some methods that have worked are innovative series that develop fictional characters or storylines centered around a specific product. Other campaigns serve essentially as commercials for a business, such as Red Bull's campaign that features extreme sports athletes, or serve as how-to's that establish thought leadership.
Web design is a very technical field that requires high literacy in many different kinds of software, including image editing and website architecture programs. A designer should be comfortable with computer "languages" like HTML and stay up to date on new technological developments. The designer is also an artist, so he or she should also have a firm grasp on aesthetics, visual continuity, and image composition.
Test and Listen. Think you can record the perfect voice over in just one take? Think again! Invest in a good pair of headphones and keep an eye on your audio quality throughout the recording process. It's easier to get a new take of audio than trying to fix it during the editing process. We recommend running through your script a few times, especially the first few paragraphs, to ensure that your voice is fully warmed up. If you hear popping or hissing sounds, try standing further away from the mic or invest in a pop filter.
Shooting, editing, and producing videos has previously been a time-consuming and expensive venture that has seemed unattractive to many marketers. However, it's now easier than ever before! With programs becoming more and more accessible, cheaper, and easier to use, people are finding themselves opening up to the idea of being both behind and in front of the camera.
By creating information-dense, accessible, easy-to-interact-with video content, brands can develop a substantial online following and promote customer recall. For an example of a company that's done this particularly well, consider Headspace, a meditation app that became a $250 million business. The app offers multiple levels of meditation, employing gamification to increase engagement. Users must complete and master each meditation level before advancing. Most sessions are in video format, beautifully crafted with illustrations and layouts true to the brand. It is elegant, consistent and engaging, heavily relying on video.
There's no avoiding it: internet marketing is critical for the success of your business in 2018. But with all the gimmicks and tricks, it can be difficult to distinguish short-term wins from effective long-term strategies, which is why we've created an ultimate guide. Here, we'll cover everything from marketing strategies to real-world examples, to ensure your business reaches the right people out of that four billion.
Website owners recognized the value of a high ranking and visibility in search engine results,[6] creating an opportunity for both white hat and black hat SEO practitioners. According to industry analyst Danny Sullivan, the phrase "search engine optimization" probably came into use in 1997. Sullivan credits Bruce Clay as one of the first people to popularize the term.[7] On May 2, 2007,[8] Jason Gambert attempted to trademark the term SEO by convincing the Trademark Office in Arizona[9] that SEO is a "process" involving manipulation of keywords and not a "marketing service."
Another one of the benefits of SEM is that people who see your PPC ads are those most likely to want to buy your product or service. PPC ads require you to choose a geographic location and specific search queries to target. As a result, you can be sure that anyone who clicks on your ad is not arbitrarily surfing the web, but rather, is looking for your product or service and in a position to do so.
The fee structure is both a filter against superfluous submissions and a revenue generator. Typically, the fee covers an annual subscription for one webpage, which will automatically be catalogued on a regular basis. However, some companies are experimenting with non-subscription based fee structures where purchased listings are displayed permanently. A per-click fee may also apply. Each search engine is different. Some sites allow only paid inclusion, although these have had little success. More frequently, many search engines, like Yahoo!,[18] mix paid inclusion (per-page and per-click fee) with results from web crawling. Others, like Google (and as of 2006, Ask.com[19][20]), do not let webmasters pay to be in their search engine listing (advertisements are shown separately and labeled as such).
SEO.com has been a world leading digital marketing agency for over a decade. We provide everything you need to grow your business and get ahead of your competition online. We are a one stop web shop, for the life of your business. Just recently, our team helped one client raise its website revenues from $500,000 per month to a whopping $1.5M per month. Get your proposal today. Let's make your own web site and marketing efforts the very best they can possibly be.
The combination of charisma, charm and intellect has helped catapult Sharpe to the top of the heap. In a recent conversation with him, I wanted to learn what it truly took to become an expert digital marketer. And one of the most important takeaways from that phone call was that if he could do it, anyone could do it. For someone who failed so devastatingly very early on in life, to rise from the ashes like a phoenix was no easy feat.
In addition to the entertainment aspect, more and more marketers are focusing on video marketing strategies because of how beneficial they are. Think about it from your own perspective for a minute. Would you rather read a long page full of text or watch a quick video to learn about a new product? Would you rather spend time reading about the steps of a company's sales process or watch an animation to associate each step with a visual aid? If you're like 80 percent of the population, you'd rather watch the video.
Search engine optimization (SEO) is often about making small modifications to parts of your website. When viewed individually, these changes might seem like incremental improvements, but when combined with other optimizations, they could have a noticeable impact on your site's user experience and performance in organic search results. You're likely already familiar with many of the topics in this guide, because they're essential ingredients for any web page, but you may not be making the most out of them.
Just like organic posts, paid social media posts can spread your content far. Paid posts, however, allow you to target the exact type of person you want watching your ads. Organic posting is only shown to your immediate fans, but with paid advertising, your content can target all sorts of demographics, locations, income levels, interests, and beyond — ensuring only the people most likely to purchase from you actually see your ad.
Google™ promotes authority pages to the top of its rankings so it's your job to create pages that become authority pages. This involves writing content people find useful because useful content is shared in blogs, twitter feeds etc., and over time Google™ picks up on these authority signals. This virtuous circle creates strong and sustainable Google™ rankings.
What has changed in 2018 is that technology is allowing us to deliver on the purest essence of SEO. Whether via a mobile screen or a digital home assistant, our job is to ensure that our content can be discovered and served as seamlessly as possible. The addition of AI and machine learning into search algorithms means that there are no shortcuts to success; the best content starts to rise to the top over time.
By creating information-dense, accessible, easy-to-interact-with video content, brands can develop a substantial online following and promote customer recall. For an example of a company that's done this particularly well, consider Headspace, a meditation app that became a $250 million business. The app offers multiple levels of meditation, employing gamification to increase engagement. Users must complete and master each meditation level before advancing. Most sessions are in video format, beautifully crafted with illustrations and layouts true to the brand. It is elegant, consistent and engaging, heavily relying on video.
Email marketing - Email marketing in comparison to other forms of digital marketing is considered cheap; it is also a way to rapidly communicate a message such as their value proposition to existing or potential customers. Yet this channel of communication may be perceived by recipients to be bothersome and irritating especially to new or potential customers, therefore the success of email marketing is reliant on the language and visual appeal applied. In terms of visual appeal, there are indications that using graphics/visuals that are relevant to the message which is attempting to be sent, yet less visual graphics to be applied with initial emails are more effective in-turn creating a relatively personal feel to the email. In terms of language, the style is the main factor in determining how captivating the email is. Using casual tone invokes a warmer and gentle and inviting feel to the email in comparison to a formal style. For combinations; it's suggested that to maximize effectiveness; using no graphics/visual alongside casual language. In contrast using no visual appeal and a formal language style is seen as the least effective method.[48]
Hi, thanks for a great blog. In our office we have a debate going on about whether all of this video hype that we're experiencing from basically everywhere today is really just, well, a hype.. In line with more and more companies using video marketing, text as we know it might fade out, pictures as we know them might fade out, but if everybody starts using video, what will then happen? Today, video is commonly seen as a way to stand out and capture users' attention, but what if every brand start publishing video solely? Will we still want to see as much video? Will we need to capture the viewers' attention in 2 seconds instead of 10? What do you think it requires for companies to succeed with videos and stay on top if everybody else is doing the same?
Online marketing, also called digital marketing, is the process of using the web and internet-connected services to promote your business and website. There are a number of disciplines within online marketing. Some of these include social media, search engine marketing (SEM), search engine optimization (SEO), email marketing, online advertising and mobile advertising.
In the 1990s, the term Digital Marketing was first coined,.[10] With the debut of server/client architecture and the popularity of personal computers, the Customer Relationship Management (CRM) applications became a significant part of marketing technology.[citation needed] Fierce competition forced vendors to include more service into their software, for example, marketing, sales and service applications. Marketers were also able to own huge online customer data by eCRM software after the Internet was born. Companies could update the data of customer needs and obtain the priorities of their experience. This led to the first clickable banner ad being going live in 1994, which was the "You Will" campaign by AT&T and over the first four months of it going live, 44% of all people who saw it clicked on the ad.[11]


text:
Stock Photo: Young caucasian family mom dad son near fireplace christmas tree See all
This Stock Photo, whose title is "Young caucasian family mom dad son near..."[59052904], includes tags of amusing, baby, child. The author of this item is teksomolika (No.492967). Sizes from S to XL are available and the price starts from US$5.00. You can download watermarked sample data (comp images), check the quality of images, and use Lightbox after signing up for free. See all
Young caucasian family mom dad son near fireplace christmas tree
Suggested Categories
Model release : Acquired
- Item number :
- 59052904
- Made at :
- 12/05/2018
- Views :
- 2
- Credits(copyright) :
- teksomolika / PIXTA


text: Looking for a discreet ongoing fwb situation. I'm looking for a long term fwb, come over, we can have drinks or not, then have great sex.. I am interested in doing either or. I woke up extremely horny and have not been able to release this tension.Text Me : 2677434458


text:
Broader levels of health insurance coverage generally have higher premium costs. In many cases, the insured party is responsible for paying his/her healthcare provider an up-front, tax deductible amount called co-pay. Health insurance companies then may compensate healthcare providers directly or reimburse the policy holder based on the remaining portion of an itemized bill.
FSA (Flexible Spending Account) - An FSA is often set up through an employer plan. It lets you set aside pre-tax money for common medical costs and dependent care. FSA funds must be used by the end of the term-year. It will be sent back to the employer if you don't use it. Check with your employer's Human Resources team. The can provide a list of FSA-qualified costs that you can purchase directly or be reimbursed for. A few common FSA-qualified costs include:
Hospital indemnity insurance provides a fixed daily, weekly or monthly benefit while the insured is confined in a hospital. The payment is not dependent on actual hospital charges, and is most commonly expressed as a flat dollar amount. Hospital indemnity benefits are paid in addition to any other benefits that may be available, and are typically used to pay out-of-pocket and non-covered expenses associated with the primary medical plan, and to help with additional expenses (e.g., child care) incurred while in the hospital.[19][95]
In July 2009, Save Flexible Spending Plans, a national grassroots advocacy organization, was formed to protect against the restricted use of FSAs in health care reform efforts, Save Flexible Spending Accounts is sponsored by the Employers Council on Flexible Compensation (ECFC), a non-profit organization "dedicated to the maintenance and expansion of the private employee benefits on a tax-advantaged basis".[109] ECFC members include companies such as WageWorks Inc., a benefits provider based in San Mateo, California.
Most FSA participants are middle income Americans, earning approximately $55,000 annually.[110] Individuals and families with chronic illnesses typically receive the most benefit from FSAs; even when insured, they incur annual out-of-pocket expenses averaging $4,398 .[111] Approximately 44 percent of Americans have one or more chronic conditions .[112]
The Children's Health Insurance Program (CHIP) is a joint state/federal program to provide health insurance to children in families who earn too much money to qualify for Medicaid, yet cannot afford to buy private insurance. The statutory authority for CHIP is under title XXI of the Social Security Act. CHIP programs are run by the individual states according to requirements set by the federal Centers for Medicare and Medicaid Services, and may be structured as independent programs separate from Medicaid (separate child health programs), as expansions of their Medicaid programs (CHIP Medicaid expansion programs), or combine these approaches (CHIP combination programs). States receive enhanced federal funds for their CHIP programs at a rate above the regular Medicaid match.
According to a 2007 study, about 59% of employers at small firms (3–199 workers) in the US provide employee health insurance. The percentage of small firms offering coverage has been dropping steadily since 1999. The study notes that cost remains the main reason cited by small firms who do not offer health benefits.[66] Small firms that are new are less likely to offer coverage than ones that have been in existence for a number of years. For example, using 2005 data for firms with fewer than 10 employees, 43% of those that had been in existence at least 20 years offered coverage, but only 24% of those that had been in existence less than 5 years did. The volatility of offer rates from year to year also appears to be higher for newer small businesses.[67]
Starting October 1, new financial assistance called the Health Insurance Premium Tax Credit will be available to help make insurance premiums affordable for those who need coverage. The website Healthcare.gov will provide a single location where you find out whether you are eligible for the premium tax credit and shop for and compare the different health insurance plans available to you in your state. Check out Healthcare.gov if you would like to learn more about the new options available October 1 and what you need to do to get ready. Meanwhile, if you need coverage immediately and would like to search for and compare plans available now, go to finder.healthcare.gov to start your search.
In March 2017, the U.S. House of Representatives passed The Small Business Health Fairness Act (H.R. 1101), which established "requirements for creating a federally-certified AHP, including for certification itself, sponsors and boards of trustees, participation and coverage, nondiscrimination, contribution rates, and voluntary termination."[79][84]
FSA (Flexible Spending Account) - An FSA is often set up through an employer plan. It lets you set aside pre-tax money for common medical costs and dependent care. FSA funds must be used by the end of the term-year. It will be sent back to the employer if you don't use it. Check with your employer's Human Resources team. The can provide a list of FSA-qualified costs that you can purchase directly or be reimbursed for. A few common FSA-qualified costs include:
ageing, menopause and puberty; AIDS/HIV; allergies or allergic disorders; birth control, conception, sexual problems and sex changes; chronic conditions; complications from excluded or restricted conditions/ treatment; convalescence, rehabilitation and general nursing care ; cosmetic, reconstructive or weight loss treatment; deafness; dental/oral treatment (such as fillings, gum disease, jaw shrinkage, etc); dialysis; drugs and dressings for out-patient or take-home use† ; experimental drugs and treatment; eyesight; HRT and bone densitometry; learning difficulties, behavioural and developmental problems; overseas treatment and repatriation; physical aids and devices; pre-existing or special conditions; pregnancy and childbirth; screening and preventive treatment; sleep problems and disorders; speech disorders; temporary relief of symptoms.[40] († = except in exceptional circumstances)
Traveling abroad is exciting. Living abroad, especially in the USA, is a whole different level of adventure. An expatriate also called an expat, is a person who has left their home country to live somewhere else. The transition to a new country comes with challenges. One of those challenges is securing adequate international health insurance to cover you in the United States as well as your home country and other countries you may travel to.
The Affordable Care Act dramatically expanded Medicaid. The program will now cover everyone with incomes under 133% of the federal poverty level who does not qualify for Medicare, provided this expansion of coverage has been accepted by the state where the person resides. Meanwhile, Medicaid benefits must be the same as the essential benefit in the newly created state exchanges. The federal government will fully fund the expansion of Medicaid initially, with some of the financial responsibility gradually devolving back to the states by 2020.
Critics said that "Exemptions would lead to market instability and higher premiums in the traditional small-group market. AHPs exempt from state regulation and oversight would enable them to be more selective about who they cover. They will be less likely to cover higher-risk populations, which would cause an imbalance in the risk pool for other small business health plans that are part of the state small group risk pool. Adverse selection would likely abound and Association Health Plans would be selling an unregulated product alongside small group plans, which creates an unlevel playing field."[79] According to the Congressional Budget Office (CBO), "[p]remiums would go up for those buying in the traditional small-group market." competing against AHPs that offer less expensive and less comprehensive plans.[79][82]
Before the development of medical expense insurance, patients were expected to pay health care costs out of their own pockets, under what is known as the fee-for-service business model. During the middle-to-late 20th century, traditional disability insurance evolved into modern health insurance programs. One major obstacle to this development was that early forms of comprehensive health insurance were enjoined by courts for violating the traditional ban on corporate practice of the professions by for-profit corporations.[66] State legislatures had to intervene and expressly legalize health insurance as an exception to that traditional rule. Today, most comprehensive private health insurance programs cover the cost of routine, preventive, and emergency health care procedures, and most prescription drugs (but this is not always the case).
Nearly one in three patients receiving NHS hospital treatment is privately insured and could have the cost paid for by their insurer. Some private schemes provide cash payments to patients who opt for NHS treatment, to deter use of private facilities. A report, by private health analysts Laing and Buisson, in November 2012, estimated that more than 250,000 operations were performed on patients with private medical insurance each year at a cost of £359 million. In addition, £609 million was spent on emergency medical or surgical treatment. Private medical insurance does not normally cover emergency treatment but subsequent recovery could be paid for if the patient were moved into a private patient unit.[44]
The university recognizes the following days as holidays: New Year's Day, Martin Luther King, Jr. Day, Good Friday, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. When a recognized holiday is on Saturday, it is observed on the preceding Friday. When a recognized holiday is on Sunday, it is observed on the following Monday.
Dental insurance helps pay for the cost of necessary dental care. Few medical expense plans include coverage for dental expenses. About 97% of dental benefits in the United States is provided through separate policies from carriers—both stand-alone and medical affiliates—that specialize in this coverage. Typically, these dental plans offer comprehensive preventive benefits. However, major dental expenses, such as crowns and root canals, are just partially covered. Also, most carriers offer a lower rate if you select a plan that utilizes their Network providers. Discount dental programs are also available. These do not constitute insurance, but provide participants with access to discounted fees for dental work.
All U.S. citizens living in the United States are subject to the individual shared responsibility provision as are all permanent residents and all foreign nationals who are in the United States long enough during a calendar year to qualify as resident aliens for tax purposes. This category includes nonresident aliens who meet certain presence requirements and elect to be treated as resident aliens. For more information see Pub. 519. More: Shared Responsibility from the IRS (See Question 11)
The first government responsibility is the fixing of the rate at which medical expenses should be negotiated, and it does so in two ways: The Ministry of Health directly negotiates prices of medicine with the manufacturers, based on the average price of sale observed in neighboring countries. A board of doctors and experts decides if the medicine provides a valuable enough medical benefit to be reimbursed (note that most medicine is reimbursed, including homeopathy). In parallel, the government fixes the reimbursement rate for medical services: this means that a doctor is free to charge the fee that he wishes for a consultation or an examination, but the social security system will only reimburse it at a pre-set rate. These tariffs are set annually through negotiation with doctors' representative organisations.
Financial Assistance Available: Most uninsured individuals will qualify for financial assistance called a Health Insurance Premium Tax Credit to help make their insurance premiums affordable. The amount of financial assistance will depend on your income and family size. Individuals with low incomes may qualify for free or very low premiums. To find out how much financial assistance you may qualify for, check out the Kaiser Family Foundation's subsidy calculator.
The US has a joint federal and state system for regulating insurance, with the federal government ceding primary responsibility to the states under the McCarran-Ferguson Act. States regulate the content of health insurance policies and often require coverage of specific types of medical services or health care providers.[54][55] State mandates generally do not apply to the health plans offered by large employers, because of the preemption clause of the Employee Retirement Income Security Act.
In-Network Provider: (U.S. term) A health care provider on a list of providers preselected by the insurer. The insurer will offer discounted coinsurance or co-payments, or additional benefits, to a plan member to see an in-network provider. Generally, providers in network are providers who have a contract with the insurer to accept rates further discounted from the "usual and customary" charges the insurer pays to out-of-network providers.
Consumers wishing to deposit pre-tax funds in an HSA must be enrolled in a high-deductible insurance plan (HDHP) with a number of restrictions on benefit design; in 2007, qualifying plans must have a minimum deductible of US$1,050. Currently, the minimum deductible has risen to $1.200 for individuals and $2,400 for families. HSAs enable healthier individuals to pay less for insurance and deposit money for their own future health care, dental and vision expenses.[107]
Consumers wishing to deposit pre-tax funds in an HSA must be enrolled in a high-deductible insurance plan (HDHP) with a number of restrictions on benefit design; in 2007, qualifying plans must have a minimum deductible of US$1,050. Currently, the minimum deductible has risen to $1.200 for individuals and $2,400 for families. HSAs enable healthier individuals to pay less for insurance and deposit money for their own future health care, dental and vision expenses.[107]
As per the Constitution of Canada, health care is mainly a provincial government responsibility in Canada (the main exceptions being federal government responsibility for services provided to aboriginal peoples covered by treaties, the Royal Canadian Mounted Police, the armed forces, and Members of Parliament). Consequently, each province administers its own health insurance program. The federal government influences health insurance by virtue of its fiscal powers – it transfers cash and tax points to the provinces to help cover the costs of the universal health insurance programs. Under the Canada Health Act, the federal government mandates and enforces the requirement that all people have free access to what are termed "medically necessary services," defined primarily as care delivered by physicians or in hospitals, and the nursing component of long-term residential care. If provinces allow doctors or institutions to charge patients for medically necessary services, the federal government reduces its payments to the provinces by the amount of the prohibited charges. Collectively, the public provincial health insurance systems in Canada are frequently referred to as Medicare.[15] This public insurance is tax-funded out of general government revenues, although British Columbia and Ontario levy a mandatory premium with flat rates for individuals and families to generate additional revenues - in essence, a surtax. Private health insurance is allowed, but in six provincial governments only for services that the public health plans do not cover (for example, semi-private or private rooms in hospitals and prescription drug plans). Four provinces allow insurance for services also mandated by the Canada Health Act, but in practice there is no market for it. All Canadians are free to use private insurance for elective medical services such as laser vision correction surgery, cosmetic surgery, and other non-basic medical procedures. Some 65% of Canadians have some form of supplementary private health insurance; many of them receive it through their employers.[16] Private-sector services not paid for by the government account for nearly 30 percent of total health care spending.[17]
Cost assistance is available to help lower the monthly expense of health insurance. Know as a tax credit or tax subsidy, federal money helps those that make between 100%-400% of the Federal Poverty Level. (For an individual that is between $11,770 – $47,080, depending on the state.) With cost assistance, individuals paid an average of less than $100 a month for a plan on the marketplace in 2015. That is a $268 savings each month.
Medicare Levy Surcharge: People whose taxable income is greater than a specified amount (in the 2011/12 financial year $80,000 for singles and $168,000 for couples[11]) and who do not have an adequate level of private hospital cover must pay a 1% surcharge on top of the standard 1.5% Medicare Levy. The rationale is that if the people in this income group are forced to pay more money one way or another, most would choose to purchase hospital insurance with it, with the possibility of a benefit in the event that they need private hospital treatment – rather than pay it in the form of extra tax as well as having to meet their own private hospital costs.
The chief executive of Aetna, Ron Williams, argued against the public option based on issues of fairness. On the News Hour with Jim Lehrer, Williams noted that a public option creates a situation where "you have in essence a player in the industry who is a participant in the market, but also is a regulator and a referee in the game". He said, "we think that those two roles really don't work well."[41]