text:
Zipped main closure, Front pocket with zipped closure, Adjustable waist strap with quick release closure (Min. 18in/45.72cm - Max. 31in/78.74cm)
Features specially coated patent finish fabric (not our traditional rip-stop nylon). Please spot clean only, as continuous washing or rough treatment may cause damage.
- Dimension : 11.43 x 21.59 x 6.35 cm
- Style # : 5303 (5303_F118)
- Collection: Classic Collection
- Color: Fiery Red Liquid Patent
More About Classic Collection:
- Heritage ripstop nylon
- Durable and timeless
- Nylon trim/webbing
- Varying lining color
- Existing styles since 1974
- Logo Zippered pulls
LeSportsac Stories from our fans!
"I LOVE these belt bags! I have five or six and use them daily for running about town! They are roomy enough for all my essentials plus cell phone. They are particularly great for travel!"


text:
SEATTLE — In December 2015, nearly 2,000 mayors and local leaders gathered under the ornate ceilings of Paris City Hall to make a single argument: As the epicenters of the world's greenhouse gas emissions, cities are where the battle for climate change will be won or lost.
Their voice generated a lot of attention, but ultimately did little to influence the Paris Agreement on climate change inked a few days later. Many sector watchers believe the mayors lacked something important: Robust research specifically into the role cities play in climate change.
That changed last week in Edmonton, Canada, where the Intergovernmental Panel on Climate Change convened its first conference on the science of cities' role in climate change. Some 750 climate scientists, urban thinkers, and city leaders gathered in response to a landmark decision by the IPCC in 2016 to include a special urban-focused research track for the first time.
But the wheels of climate research grind slowly. The IPCC's first "Special Report on Cities and Climate Change" won't be ready until some time in the 2023-2028 window, the five-year period known as the seventh assessment report cycle in IPCC parlance. However, this week's CitiesIPCC conference was a significant first step to lay the groundwork for the science to come — from debates about methodology for measuring greenhouse gas emissions in urban areas to candid discussions about gaps in the data.
See more related stories:
► Mayors call for local action and women leadership on climate change
► City leaders aim to weather Trump's climate change backslide
► Opinion: Innovative urban communities on the frontline of climate change
► Q&A: 100 Resilient Cities' chief on how cities can tackle climate change
The hope is that the eventual outcome, even if further down the road than the urgency of the climate problem might dictate, will influence what happens in cities around the world. "The CitiesIPCC Cities and Climate Change Science Conference is the first real forum where researchers and mayors from all over the world have an opportunity to discuss how to turn science into policy, while providing important feedback for the next IPCC Special Report on Climate Change and Cities," said Gino Van Begin, secretary general of ICLEI — Local Governments for Sustainability.
Devex rounded up three important takeaways from the first CitiesIPCC conference.
Consumption-heavy cities are much worse polluters than we thought
On a majoritarily urban planet, cities are already recognized as responsible for the lion's share of global carbon emissions. It turns out their carbon footprint is much bigger than they realized, some 60 percent higher according to new research from the C40 Climate Leadership Group. Traditional emissions measurements have looked at the greenhouse gases billowing out from the city itself — exhaust from cars on city streets, energy used to heat downtown buildings or methane realized from household garbage hauled off the curb.
The new figures, determined by researchers at the University of Leeds, University of New South Wales, and engineering firm Arup, also take into account global trade. Cities are the hubs of the global economy, so these new figures take into account the carbon footprint of products shipped to serve upwardly mobile urban consumers, air travel for the business executives who jet between financial capitals, and the construction industry building out rapidly growing cities.
"By revealing the scale of emissions generated by the urban consumption of a range of everyday goods and services, including the food on supermarket shelves, air travel or online shopping and home delivery, consumers and policy makers can make better informed decisions about the impact their choices are having," said C40's Executive Director Mark Watts. "This new research will help city policy makers to better understand the true impact of their city on global climate change, and so play an ever bigger leadership role in delivering climate action."
The new methodology radically changes the emissions calculations of cities in the developed world. Among C40's membership, 15 cities, mostly in North America and Europe, saw their carbon footprints triple under a consumption-based model. Traditional models have focused on the direct pollution of heavy industry, which has penalized cities in manufacturing countries like Bangladesh, India, and Pakistan without considering the marketplace that drives their production patterns.
Climate R&D money should pour into city-based solutions
City leaders have made a convincing political case for their role in climate change, from a robust presence on the sidelines of the Paris Agreement negotiations to headline-grabbing moves in response to United States President Donald Trump's climate recalcitrance. In the wake of CitiesIPCC, there is some scientific heft to back up their claims, and that should prompt those writing the checks for climate research to put money into city-based climate mitigation and adaptation.
"We need nothing short of Space Race-type R&D [research and development] from national governments into cities and climate change," said C40's Research Director Seth Schultz. "In order to do that you have to frame out what the need is. Up until now you haven't gotten the state of the science congealed."
But the research agenda laid out by the three days of intensive work by CitiesIPCC should put that demand on the right track. "This conference was a milestone on the way to a collective effort by the science, policy, and practice communities to co-create and co-design a global research agenda for the future and for forging partnerships among them," said Shobhakar Dhakal of the Asian Institute of Technology.
With a research agenda in hand, city leaders and scientists are confident about going after some of the $100 billion pledged for the Green Climate Fund. Aromar Revi, director of the India Institute for Human Settlements, called for 1 percent of that war chest to be funneled into urban climate research. "That's not a very large number when you're looking at the kind of change we're talking about, when you're looking at the transformation of the single most important industry and system in the world," he said.
But the empire might strike back
The optimism of a roomful of climate scientists and progressive city leaders was tempered by reality just outside the doors of the Shaw Conference Center in Edmonton. A little over 250 miles to the north of the Albertan capital, the Athabasca Tar Sands are cranking out 1.3 million barrels of oil daily, and protesters are gearing up for demonstrations this weekend in Vancouver against the proposed Kinder Morgan pipeline that would carry the petroleum from Alberta to Pacific ports.
"We must not delude ourselves — there are real structural impediments to this change," warned IPCC co-chair Debra Roberts. "We have to displace an entire global system focused on consumption. There are local revolutions in individual households, dramatic changes that cities need to make in terms of procurement policies."
Revi offered a sobering assessment. "We're trying to transform the single largest industry in the history of the current economic system," he said. "What if the empire strikes back? The empire will strike back. That's the nature of systems."

subset: commoncrawl


text:
Johns Jukebox Description
John's Jukebox, based in Barre, Vermont provides quality and affordable DJ and MC services for Weddings, Proms and all special occasions. Serving Vermont and New Hampshire since 1999 we add the personal touches that make the difference in your event.
Cities Served by Johns Jukebox
- Barre, Vt Micropolitan


text:
Web Headlines & SEO Essentials (May 2017)
Course Overview
- Title:
- Web Headlines & SEO Essentials (May 2017)
- Type:
- Online Group Seminar
- Cost:
- $299.00
- Time Estimate:
- The content of this course unfolds over two weeks. There are few scheduled meeting times, except for several live discussions, so you'll be able to learn on a schedule that works for you. The minimum time commitment each week is five to seven hours.
Poynter Prepared members can save 20-25% on this course and all Poynter training. Learn more and join now.
About Online Group Seminars
In an online group seminar, you will gather with other participants in a virtual space, logging in from anywhere, day or night, over the course of several weeks. A faculty member guides the group through new material, moderates discussions and provides individual feedback.
- May 12 to May 30, 2017
Headlines appear on the Web with photos, graphics or other type, but usually they stand alone. That means you've only got a few words—and a few seconds—to tell readers what the story (or blog posting, video or photo gallery) is about. In this course, we'll focus on considerations unique to the Web. Chief among these, of course, is SEO – a set of technologies and techniques that can bring more eyes to your content and more visitors to your site.
Review a sample syllabus for the course.
What Will I Learn:
- The principles of good headline writing, regardless of platform
- How search engines work and the elements that contribute to the "find-ability" of a web page
- The elements that should – and should not – be included in a good web headline
- How to use tools to track what people are looking for, and how they're searching for it
Course Instructor:
John Schlander
John Schlander is managing editor at thepennyhoarder.com, recently named by Inc. Magazine as the 32nd fast-growing company in the nation. He started there in August 2016 after 32 years at the Tampa Bay Times, where he was digital general manager. He is also adjunct faculty at the Poynter Institute.
He is the instructor for two online seminars: Using Analytics to Drive Your Mission and Web Headlines and SEO Essentials.


text:
Furniture Master Pierre Paulin's Legacy Lives On in Benjamin Paulin and Alice Lemoine's Paris Apartment
Filled with family heirlooms, the home is the perfect backdrop for Paulin's designs.
Filled with family heirlooms, the home is the perfect backdrop for Paulin's designs.
Tenfold New York transcends typical homegoods in favor of the exquisite and the enduring.
Alessandro Puccinelli captures mother nature's fury in spectacular form.
Your spices have never looked sexier.
Make a statement with these decor picks from GARDE.
Meet Melbourne based photographer and co-owner at Opmanis & Green, Eryca Green. We converse with Eryca about her start in photography and her past and present artistic pursuits.
Meet Melbourne-based graphic designer, Sarah Royce.
Toys that are both playful and sophisticated.
From classic to ultra modern, these rooms have found their perfect balance.
About Sanayi313: Designer Serena Uziyel honed her technique at Parsons School of Design before cofounding this artisan-made collection with her brothers, Enis and Amir…


text:
Baby Boomers
Boomer Bust
The most socially aware demographic in history now has a chance to reinvent old age. Here are four suggestions on how to grow older with a social conscience. Read more
ISTHMUS is © 2019 Red Card Media, Inc. | All rights reserved. | Madison, Wisconsin | USA


text:
Before the development of net gaming sites, a poker player needed to sit down at a table with other players in order to wager on a poker game. Because a major part of poker betting entails 'bluffing' acting that you have a better hand than you actually have the visual signals that player can obtain from one more often called 'tells' were crucial for true gambling success. Currently card players can play, wager, and bluff without ever seeing their opponent, changing the emphasis from physical clues to mental stress.
A lot of the online poker websites attempt to produce a kicked back and 'player-friendly' atmosphere in an attempt to lessen the fears of very first time gamers. The majority of allow new gamers a huge amount of flexibility to 'roam' the numerous 'spaces' and also observe real video games in progress to ensure that they can get a 'real feel' for the differences of online play knowledgeable the much more standard 'live' online poker game. The card game of texas holds 'em has had an image overhaul. No longer is it a game played by card sharks and guys in smoke-filled rooms hidden away from the public.
Allowing Your COMPUTER Wager – Providing Online Poker a Shot
Texas hold'em is one of the most typical and most famous card games in Las Vegas and net casinos. Different online poker video games have actually become the top option for entertainment and gambling enterprise gaming. Texas hold'em has actually developed into an excellent success and fantastic organization. Casino poker is simple to find out and intriguing to play. Because different casino poker games have nearly the exact same regulations, it is rather simple to find out various casino poker games.
O The word "Online poker" has originated from a German Verb "Pochen", indicating to boast or bluff. Some people claim that it has domino qiu qiu stemmed from the French word "Poque".
O The fits in the deck were introduced by French. These 4 suits stand for the four classes of males in their culture: Spades stand for nobility, Diamonds stand for sellers, Clubs represent peasants and Hearts stand for clergy.
O On a deck of cards, four kings represent the 4 terrific kings of the globe. The king of spades represent the David, King of Israel; the king of Clubs stands for Alexander the Great, King of Macedonia; the king of Hearts is Charlemagne, King of France; and the king of Diamonds is Caesar Augustus, Emperor of Rome.
O Famous Texas hold'em video games are: Texas Holdem Casino Poker, Seven Card Stud Hi/Lo, Omaha Hi/Lo, Omaha Holdem Poker, Stud 8 or domino qiu qiu much better.
O In 1937, a brand-new deck was tried to boyaa domino qiuqiu introduce. However people rejected it due to the fact that they needed to acquire new decks.
O Each year more than 70 million decks of cards are marketed in the U.S.A. Online texas holds 'em is a landmark in the history of poker. It has established online casino poker betting. Now people play online casino poker video games and wager from the convenience of their residences.
O At the very least 65,000,000 Americans routinely play poker. Online texas holds 'em is merely joyous.
O In a casino poker game, a basic deck of 52 autos is used. Each deck has 4 matches i.e. Spades, hearts, Clubs and Diamonds.
O John Montague, Earl of Sandwich, was a male of skeptical honesty and a compulsive gambler who lived in the 1700s. He was so hesitant to leave a card game even for a dish that he had a servant bring him a piece of meat between 2 pieces of bread so he can consume with one hand and play cards with the various other.


text:
Ever wonder how to make classic hummus? Is it easy or complicated? From experience I can tell you "it's so easy". You won't even believe how simple it is and how few ingredients it takes to make your own Classic Hummus! This recipe is one that I have been making since I had my 5, almost 6 year old. Wow how time flies with kids right? I started making my own hummus ever since I looked at the ingredients on the back of the store-bought versions and I was astounded at the number of ingredients I could not pronounce or had never heard of. My kids, like most I think, LOVE hummus and veggies and I will do ANYTHING to get my kids to eat their veggies. But I do not want to give them hummus packed with nitrates or chemicals. You guys, when I tried to make my own and realized how EASY it is, I was like "I will NEVER buy store-bought again!"
This hummus is tangy, garlicky, nutty and has this amazing smooth texture that we all want in a HUMMUS! I paired this with Ezekiel bread that I cut into triangles, brushed with olive oil, salt and pepper and just toasted in the oven to get nice and crispy. My kids go crazy for this.
How to make classic hummus?
First step drain and rinse your chickpeas. Did you know that rinsing your beans removes 30% of the sodium? And if you buy "low sodium" it gets rid of almost all of it! Yay! Love that!
Then, the semi-time consuming part, remove the skins from the chickpeas. A very important step, do NOT skip this step. This will make your hummus nice and silky smooth.
Place all of your ingredients:
- Chickpeas
- Tahini paste
- Garlic
- Salt and pepper
- Olive oil
Into the food processor and pulse until smooth.
And you're done. Just like that! Now do you believe me? How easy was that?
Classic Garlic Lemon Hummus
Silky smooth and full of bold garlic and lemon bursts of flavor!
- 1 15 oz can of chickpeas
- 3 cloves of garlic minced
- The juice of 1 lemon
- 2 Tablespoons of tahini
- 1 Tablespoon olive oil
- Salt and pepper to taste
- Drain and rinse the chickpeas and lay them out on a towel. Place another towel on top of the chickpeas and move the top towel back and forth a few times to loosen up the skins. Discard the skins.
- Place the chickpeas with the skins removed in the food processor.
- Add the remaining ingredients and pulse until fully combined into a creamy hummus and enjoy!
Stores great in the fridge for up to 5 days.
Nutrition Information:Yield: 12 Serving Size: 2 tablespoons
Amount Per Serving: Calories: 65 Total Fat: 3g Saturated Fat: 0g Cholesterol: 0mg Sodium: 122mg Carbohydrates: 11g Fiber: 1g Sugar: 0g Protein: 3g


text:
To help PC players gain access to affordable graphics even during a mining boom, Radeon Gaming vice president Scott Herkelman considers whether AMD should not act as a salesperson. In contrast to Nvidia's sale of Founders Edition cards, AMD would offer models from board partners such as Sapphire in a web shop.
Due to the high GPU needs of crypto-coin miners, some graphics card models have increased prices to unaffordable – or at least unreasonable – heights, while stocks at most major retailers have dropped to zero. The situation is currently stabilizing at a slower pace again, a new mining boom could theoretically undo this development in a short time.
PCGamesN has talked with Scott Herkelman, vice president of the Radeon gaming division AMDs, about the negative impact of GPU mining on gamers. AMD's graphics cards, especially the various models of the Radeon RX 570/580 and the Radeon RX Vega, served as scavengers due to their relatively high compute performance, resulting in poor availability. In the case of the RX Vega, the small amount of possible suppliers for the HBM2 stack increased the problems.
One should therefore consider AMD, so Herkelman, whether one should not sell graphics cards directly to PC players, if it comes back to a global mining boom. Nvidia was able to counteract the price increases a little better, since in its own web shop, the graphics cards in the Founders Edition were distributed with EIA. The Radeon gaming vice president had been thinking intensively last year about whether AMD should behave similarly. He thinks about whether one should sell directly the products of the board partners like Asus or Sapphire or help them set up their own online shops where the graphics cards are sold for a fair price. The manufacturer wants PC players to have access to good value products. Due to the fact that Herkelman wants to sell not only reference models, but equally improved board partner products, there should be even greater pressure on dealers not to artificially boost prices for Radeon graphics cards.
image by shutterstock
Virtual currency is not legal tender, is not backed by the government, and accounts and value balances are not subject to consumer protections. The information does not constitute investment advice or an offer to invest.
MinerNews.io is is not responsible for the content of external sites and feeds.


text:
Ullswater Yacht Club is gearing up for the 'ultimate' racing weekend with the launch of a brand new event on August 17 &18.
Enter Now >>>. The new Ullswater Ultimate is expected to attract sailors from all over the country and is the final event of the Great British Sailing Challenge (GBSC). Throughout 2019, GBSC series events have been held at clubs nationwide, attracting hundreds of entries and the top 100 sailors will take part in a grand final at Rutland Sailing Club in September.
UYC Sailing Secretary, David Clarke said: "We are delighted to be hosting a GBSC event. It will be an exciting weekend as we welcome racers in a range of classes all aiming for a place in the grand final.
"Last month we held the award-winning Lord Birkett Memorial Trophy with an entry of 230 boats, racing the full length of Ullswater twice over the weekend. We expect the Ullswater Ultimate to become another 'must-do' in the sailing world like the Birkett."
The two-day event is open to all classes of monohull dinghy, dayboat or cruiser under 25ft 6ins and there will be six races over the weekend, three on Saturday and three on Sunday, with results calculated on a handicap basis using Great Lakes numbers. Using SailRacer GPS trackers there will also be other scoring categories as well as the main results. Photographer Tim Olin will be there to capture all the action. The first race on Saturday is not before noon, with a briefing at 11am, and not before 10.30am on Sunday.
Entries are online at http://www.sailingchallenge.org with a closing date of midnight on August 14. Late entries will be taken on the morning of Saturday, August 17, and subject to a £10 late entry fee.
As with all UYC events, there will be the usual UYC hospitality with excellent food, camping/campervans on site, and great racing in lovely surroundings.
4/8/2019 08:14
Photo © Tim Olin
|Draycote Dash
|17/18 November 2018
|Datchet Flyer
|8/9 December 2018
|Brass Monkey
|27 December 2018
|Tiger Trophy
|2/3 February 2019
|Oxford Blue
|16 February 2019
|King George Gallop
|16/17 March 2019
|Weston Grand Slam
|20/21 April 2019
|Derwent Dambuster
|11/12 May 2019
|Wilsonian River Challenge
|1/2 June 2019
|Bala Long Distance
|22/23 June 2019
|8/10 Aug 2019
|Ullswater Ultimate
|17/18 Aug 2019
|Final (Rutland)
|28/29 Sep 2019
For all the latest news sign up here with your email address:
The Great British Sailing Challenge is a series of handicap racing events that take place throughout the year, and it's open to pretty much any sail-powered craft. The Challenge will involve events throughout the whole year, with the target of around 100 boats taking part in each event on larger waters, and running events close to capacity on smaller lakes and reservoirs. Competing sailors will earn ranking points from each event they compete in, with the top 100 sailors invited to a winner-takes-all-final in Autumn 2019 to award the best sailors of the year. The series is managed by SailRacer.


text:
Michael Tabor, a notable name in UK horseracing circles, has acquired the operations of Gibraltar-based bookies BetVictor. Terms of the deal were not disclosed, but chairman Victor Chandler (pictured) and CEO Michael Carlton will both be stepping down from their day-to-day roles. Chandler will remain on hand in a consultancy position while Carlton is expected to do the same during the transition period.
Chandler issued a statement saying he'd concluded that his company "would be best served under new ownership and leadership." Chandler had led the privately-held company for four decades, having taken over from his father William, who founded the company in 1946. The ownership transfer has already received the blessing of Gibraltar gaming regulators and Chandler expressed confidence that BetVictor "would continue to thrive" under Tabor's ownership.
Tabor, who formerly ran the Arthur Prince chain of bookies before selling out to Coral in 1995, was one of BetVictor's founding shareholders. Tabor said the brand had "enormous potential and is well placed to continue its expansion with further investment and strategic development." In addition to its European operations, BetVictor also operates in Asia under the VC+ brand.
Whatever price he paid, Tabor can likely afford the deal, having been ranked #170 on the Sunday Times most recent rich list with a net worth of £600m. In April, rumors swirled that Tabor was part of a group of horseracing luminaries known as the Coolmore group that was looking to acquire UK bookies Ladbrokes once the struggling firm's stock price slid a little further into the abyss.


text:
Tuesday, February 2, 2010
Congratulations to Mary Hamilton!
Mary Hamilton's story "You Wouldn't Believe Me If I Told You, But Me and Theodore Built a Time Machine" from NOÖ [10] will appear in DZANC's Best of the Web 2010. Congrats to Mary and thanks to Matt Bell and Kathy Fish for picking this terrific story.
Said and gone by Mike Young @ 6:13 PM
3 comments:
- Cami said...
So crazy, I just re-read this last night, and was thinking again how great it was.
- February 2, 2010 at 6:52 PM
- m.lady said...
wha? Didn't even know this was being considered! Yow, thanks for including this story in the Noo issue!
- February 2, 2010 at 9:36 PM
- This comment has been removed by a blog administrator.
- February 4, 2010 at 10:29 PM
Subscribe to: Post Comments (Atom)


text:
Employee Benefits Blog
Posts tagged Trusts
September 5, 2018
IRS Clarifies: Deductibility of Administration Expenses for Estates and Non-Grantor Trust
On July 13, 2018, the IRS announced in Notice 2018-61 that the Service will issue regulations confirming that estates and non-grantor trusts will continue to be allowed to deduct expenses that are unique to the administration of an estate or non-grantor trust. The Tax Cuts and Jobs Act (TCJA) of 2017 had created confusion over whether such expenses would be deductible given the changes the Act made to the deductibility of certain expenses by individuals.
September 5, 2018
TCJA Impact on Post Term QPRT Planning
Qualified Personal Residence Trusts (QPRT) have been a staple of sophisticated estate planning for some time. They are relatively simple to establish, they are well defined in IRS regulations, and can be structured with minimal initial tax consequences. Particularly for taxpayers living in areas with high property values, the QPRT was a popular choice to help minimize estate tax consequences.


text:
The National Eating Disorder Association (NEDA) estimates that more the 10 million American women suffer from eating disorders. Of these 10 million women, the NEDA estimates that, without treatment, 20% of those who have have been diagnosed with an eating disorder will die. While it may not be easy to admit you have an eating disorder, failing to seek help for your eating disorder can be fatal. As we take a closer look at the eating disorder bulimia nervosa, it is important to keep those statistics in mind. Bulimia is an entirely treatable condition, however, the longer you wait for treatment, the more damage is done to your body. If you're searching for top mental health facilities in Columbus, OH that treat eating disorders, call Legacy Freedom for more help.
How do I know if I have bulimia nervosa?
Bulimia nervosa is characterized by the eating of large amounts of food and then using laxatives or vomiting (also known as purging) to avoid weight gain. These episodes of bingeing and purging may last for weeks or months at a time. The person who binges feels disgusted with themselves and may feel relief after purging or excessively exercising.
What are the signs of bulimia nervosa?
Getting to know the signs and symptoms that are associated with bulima nervosa can help you identify the disorder in friends or loved ones. While the disease is more common in women than in men, it is estimated that 10 to 15% of the people who are reported to have eating disorders each year are men. A person's gender shouldn't be taken into consideration when these signs and symptoms are present:
- Using the bathroom immediately after eating
- Excessive exercising
- Increased use of diuretics or laxatives
- Using diet pills or drugs to induce vomiting
- Dental problems like gum infections or pitted teeth
- Unexplained rashes
- Callouses on finger joints or small cuts from manually forcing vomiting
- Chronic dry mouth
- Pitikia or broken blood vessels in the eyes or around the eyes
- Dental cavities
- Dehydration
What causes someone to be bulimic?
Researchers believe that social and cultural factors play a role in the likelihood that someone will struggle with bulimia. However, there are links to a person's genetics, and familial and psychological influences that play a role in the probability that someone will develop bulimia. For more information on this eating disorder, click here to jump to part two.
Mental Health Facilities in Columbus, OH For Bulimia Treatment
If you or a loved one are struggling with bulimia, Legacy Freedom can help. We're one of the top mental health facilities in Columbus, OH for treating eating disorders. Our highly trained staff specializes in eating disorder treatment. Regardless of whether you are male or female, you deserve to heal and overcome your eating disorder. All calls and inquiries are confidential, so we encourage you to reach out.
We believe in taking a holistic approach to mental health care at Legacy Freedom of Columbus. Together with your care team, you will create a customized treatment plan that is centered on you and your needs. Through one-on-one traditional talk therapy, you will discover why you feel the need to binge and purge. Whether you do it because you suffer from low self-esteem, are using it to cope with trauma, or are suffering from depression, your therapist will help you learn new ways to cope with the underlying feelings that make you want to binge and purge.
Connect with others who are healing themselves from eating disorders in group therapy sessions. Finding support among your peers will help you continue your recovery away from our outpatient facility. Your relationship with diet and exercise will need to be changed from damaging to healthy. Our staff dietician and physical therapist can help you make that transition and restore you to a balanced relationship with food and with exercise.
Learn more about our alternative therapy programs at Legacy Freedom and call or click to connect today!


text:
Lady Death (2004)
Some Users can not watch in our website, Please turn off your VPN
Sv 1 Sv 1 Sv 2
Lady Death (2004) full movie watch cartoons online.
Synopsis: Based on a comic book series. A woman burned at the stake in 15th century Sweden actually is Satan (Lucifer)'s daughter – and plots revenge against him.
Director: Andy Orjuela
Writers: Carl Macek, Brian Pulido (story)
Stars: Christine M. Auten, Mike Kleinhenz, Andy McAvin
More infor: IMDB, Wikipedia


text:
Material Detail
Back-bench rebels
Philip Cowley, Reader in the University's School of Politics and International Relations, was recently nominated for the Times Higher young researcher of the year award. In this podcast, Philip discusses his research into back bench rebellions within the British parliament. Philip describes his research as practical politics, linking academic research to the real world of political debate. Since the British Labour party's re-election with a reduced majority of 66 MPs in May 2005, some back bench Labour MPs have continued to vote against their own party, led by Prime Minister Tony Blair. This has forced the British government to make a series of concessions on a range of legislation. After the election, it was widely anticipated that Labour party MPs, with a reduced majority, would have to... Show More
- User Rating
- Comments
- Learning Exercises
- Bookmark Collections
- Course ePortfolios
- Accessibility Info


text:
Andrew McDonald with the help of EBusiness Courses launched their official website today promoting their recycling friendly demolition services.
With over 20 years in the demolition industry, Andrew McDonald and his friendly team have been safely and successfully demolishing residential, commercial and industrial structures for customers in the Perth metropolitan area for many years. Their environmentally friendly recycling practices minimise unwanted landfill and sees them recycle about 90% of demolished materials from a job site.
Perth Demolition Company's Recycling Friendly Demolition program focuses on handpicking and stripping out any salvageable bricks, roof tiles, timber, windows and doors in good condition and passing them on to local salvage yards that run a green recycling program in Perth. If timber is not in good condition it is converted and used for mulch. Anything else that is not recyclable such as broken bricks and concrete is crushed and used for road base.
Perth Demolition Company ( http://www.perthdemolitionco.com.au ) pride themselves on averaging only one truckload of landfill per demolition job, good for you and good for the environment.
Perth Demolition - Official Website:
Andrew McDonald's key way of doing business has always been in person or by telephone with his clients and with the trend in businesses going digital, Andrew felt it was time to connect with his customers online as well. Many people know about the company's services in house demolition, commercial strip-outs and backyard cleanouts for subdivision purposes but not so much about their recycling friendly demolition program. The official launch of the company's new website brings all of those elements together with a colourful history of demolition in Perth.
With 32 years' experience in the demolition industry, Perth Demolition Company knows every aspect of demolition including house demolition, commercial demolition, office strip-outs and asbestos removal. The company own and operate all of their own machinery and hire out semi tipper trucks, excavators and bobcats to customers in the Perth metropolitan area. All demolition services include the full removal of site rubble with environmentally friendly recycling of waste materials. To find out more, visit www.perthdemolitionco.com.au
Press & Media Contact:
Rosemary Burnett
Perth, Western Australia
Skype Tel: +61 08 9468 0101
Rosemary Burnett
+61 08 9468 0101


text:
In keeping with tradition, I present you with my version of Freebie Friday. Since I'm working on a triangular shawl in worsted weight, I trolled Ravelry for similar shawls. All of the patterns seem to be rather adaptable to different gauges and offer options for changing the size to suit your needs. Here are 5 for you to consider…
1: Fuzzy Bottom by Joyce FassbenderThis triangular shawlette is worked from the center back to the bottom edge. The pattern suggests finishing off the shawl with a small amount (40 yards) of a different yarn, perfect for that small ball of luxury yarn or a little bit of leftover stash yarn.
2. The Stay-Put Shawl by Jen ReillyThis is a formula to create a shawl to work with your particular needs. It is worked from the center back to the bottom edge and can be stopped anywhere- great for those of us who like to use up every last scrap of yarn!
3. SuperSimple Scandinavian Style Shawl by Sarah HowardThis is a basic recipe for a Scandinavian-style shawl. Jump on this one quickly, because the designer has noted that it will eventually be released as a more detailed paid pattern.
4. Arrowhead Lace Shawl by DragonWing ArtsThis shawl is worked from the bottom up and can easily be adapted to any gauge. This one in particular looks like a great summer shawl.
5. Harvest Colors Shoulder Shawl by Lidia TsymbalThis shawl uses a simple lace pattern to highlight the color changes of variegated yarn. It also includes directions for a crocheted bobble trim if you're the bobble-y type!
The links I provided are all to the Ravelry project pages. The first four shawls are all published as free Ravelry downloads. Here is a separate link to the designer's blog post for the Harvest Colors Shoulder Shawl. Maybe some of you will decide to knit a "hug" for someone close to you- I'd love to hear about it!


text:
GIRL: Second
BOY: Savior
Let's start seeing as she's the only supported pregnancy. Now, if you'll remember, Kim hired
Offred a surrogate to carry her third child. So obviously, Kim has been living her best life preparing for the baby's arrival by displaying her semi-nude body every chance she gets. Meanwhile, her surrogate is confined to the cellar of Kris's Calabasas mansion residing off Kombucha and prenatal vitamins, listening to Kanye's newest album on loop, and reading aloud the contents of to her stomach at bedtime (I assume). Kim and Kanye will most definitely name their child something such as Savior or Second (as from the next coming) since, allow'therefore face it, they think all of their children are the next coming of Jesus Christ although the only reason Kim isn't still cleaning out Paris Hilton's closet is since Kris knew the appropriate people to pimp her out daughter's sex tape to. Without the pain of childbirth to humble her or the pregnancy weight, when naming this child, Kim will throw subtlety to the end and go all out.
GIRL: Gratitude
BOY: Miraculous
Khloé has allegedly been looking for a baby for longer than I've been (legally) allowed to drink. If
she'd impregnate herself with a used condom 2.5 seconds after Tristan Thompson left her flat by a miracle she's pregnant, then Mazel Tov, I could't think of a more deserving person for this to occur to. I hope that the baby is going to be as barbarous as she's. Nevertheless, Khloé will choose a title that reflects how thankful she is for her child. Something that states "I've been poking holes in condoms praying for this moment for years. "
GIRL: Courtney
BOY: Younes
Kourtney's tough to predict for a lot of reasons. On the 1 hand, she named her two children, Mason and Penelope, comparatively normal names. I'm guessing she let Scott title Reign until she realized that he was on a bender when she went in to labor. That's the only explanation for that name. But rsquo & Kourtney;s bizarre AF. I wouldn't put it past her to mention her fourth born after her favorite brand of deodorant. Nevertheless, if it's a boy I think Kourtney will name him after the father, aka hot version Younes Bendjima, as just one last fuck you to Scott. If the infant's a girl, I think she'll name it after herself since she DGAF and understands that she is a queen among peasants and will be her child. She'll spell it with a "C", however, to allow it to be different and also as one last fuck you to Kris Jenner.
GIRL: Dolce
BOY: Dolce
She & rsquo; s not dumb though it was just made by Kylie out of teen mom territory. In 20 years old, she's built of pretending that any sort of cosmetics product gave her that face off herself a business. And we're all falling one seasonal lip kit at a time, for it. *internally yells* Recently, however, Kylie's needed to contend with the likes of Rihanna, who actually sells quality cosmetics, so I'm convinced Kylie will utilize this baby as some sort of PR stunt because of her beauty kingdom. She'll name her child something such as Dolce–a name she found on Tumblr, along with her fashion inspiration, and which was among her bestselling lip kits. She'll come out with a new lip kit based on the child's eye color or the color of its very first shit and call it "Dolce Like The Ocean" which will make no fucking sense, however you'll buy it anyhow since it sold out in the first five seconds so that must mean something, RIGHT?! S gender, the title will remain the same: Dolce. She & rsquo; s hoping for a girl, but will keep the title because she'll be in denial, if it is a boy.
K, if you need me I'll be here, constantly refreshing every entertainment website in order to find out if we could go one fucking week with no Kardashian pregnancy. I do not have high hopes that Kris or MJ won't come out fortunate. If anybody can defy science, it is this fucking family.
Read more: http://www.betches.com/


text:
Dot Dot Swim
Founded by Sydney mother, Samantha Otter and inspired by her own littlies, DOT DOT SWIM reflects the beauty and innocence of all the little 'dots' out there.
Designed exclusively for 2-8 year-old's, DOT DOT swimsuits stand the test of time, both in quality and aesthetic. Beautiful, timeless pieces to pass onto a little sister, or hold onto – even when they're all grown up – as a tangible reminder of a person once so little.
While delicate to the eye, all garments are lovingly constructed with luxurious soft Italian fabric, made up of 78% recycled material which resists breakdown 5 times longer than average chlorine-resistant Lycra and has a UPF 50+ rating.
With styles that are comfortable on little bodies, every piece is made for little girls with big adventurous spirits.


text:
Mural , Puerto Natales , Patagonia , Chile
Stockphoto ID: 3237337
File name: chPpn_136a.jpg
Format: digital, 5000+ pixels longest side
Property release: no Model release: no
Source: photographer Based in: United Kingdom
Description: Mural , Puerto Natales , Patagonia , Chile
Click to show/hide Tags
This image is copyright protected. There is a fee for any use. This website is not a source of free images.


text:
The shell seems good, and the property is beautiful. But the insides have been neglected and needs some TLC.
I'm thinking I can use that to lower the price, minimizing my mortgage, giving me the freedom to save up and do renovations as I go
I'm thinking hell, good structure, breath taking property, good renovations, great investment?
More real estate tips at Program Realty Wix site


text:
Q: What was the first television show you remember watching?
A: Oh, God — "The New Zoo Revue"? Or maybe "Land of the Lost?" No — it was that guy . . . Captain Kangaroo. He was on the porch with Mr. Green Jeans. Have I just dated myself?
Q: Your father, John, was an actor on television when you were a kid.
A: No — when I was a kid, he was selling vacuum cleaners door to door because he wasn't making any money as an actor. But my godfather, Telly Savalas, would give my father a job here and there, like on "Kojak." My dad was also friends with Marlo Thomas, so he had a part on "That Girl." That's why it was so great when Marlo played my mom on "Friends."
Q: Did you ever watch your father on TV?
A: I went to the Rudolf Steiner School in New York, and you're not allowed to watch TV. But I saw my dad on "That Girl" when I was home sick one day. I wanted to tell my mom, but I had to keep it to myself.
Q: When did you first appear on a screen?
A: My dad became a soap opera actor, and I was an extra in a skating rink scene on the soap. I didn't audition. It was nepotism all the way.
Q: Did you dream of being in big-screen movies rather than on television?
A: No. Never. As I grew up, there was "Mary Tyler Moore" and "Rhoda." TV seemed cool.Continue reading the main story
Q: Did you make a lot of pilots before "Friends"?
A: Oh, yes — I have my sitcom graveyard. Before I even moved to L.A., I was cast in a show called "Molloy." I played the spoiled little sister of the lead character. "Molloy" lasted six episodes. And then I was cast as Jeanie Bueller, the bratty sister in the TV version of "Ferris Bueller's Day Off." That lasted almost a season.
Q: You're lucky that the show that was successful — "Friends" — was the one that should have been. You could have been Jeanie Bueller forever.
A: That would have been the worst. When you accept a role in a pilot, you automatically sign up for five years. You think it's scary to walk down the aisle? Try signing a five-year contract for a show you may not want to be part of down the road. That's why "Friends" was so great. During the first week of shooting, I thought, I'll be heartbroken if this doesn't continue. It was the first time I felt like part of the cool kids.
Q: If "Friends" comes on when you're home, will you watch?
A: I have. There are times I don't even remember that particular show. This is horrible to say, but there are times when I laugh my rear end off. And I get in debates with people who are over and say, " 'Friends' is not my thing." Excuse you!
Q: Do you find TV-screen fame different from movie-screen fame?
A: TV fame is weird because you're in the audience's home. With film, they feel they can't touch you. But there's an intimacy to television. And it's especially powerful with soap operas. My dad is a villain, Victor Kiriakis, on "Days of Our Lives." He has had women come up to him to tell him a thing or two about a thing or two.
Q: During the huge success of "Friends," were you anxious to parlay your popularity into movies?
A: I thought I'd never get movies. Then they started to think I could play the girl in the big Jim Carrey and Ben Stiller movies.
Q: And now you're with Owen Wilson in "Marley & Me." Did you read the book?
A: I was given the book four times. I just didn't want to read a book about a dog. When they sent me the script, I thought, I'll just start it and see, and all of a sudden I was in tears. We worked really hard to make it not just about a dog.
Q: Your other film, which is out in February, "She's Just Not That Into You," is based on a line from a "Sex and the City" episode — a move from one screen to another.
A: I wish it was "She's Just Not That Into You"! Unfortunately, it's " He's Just Not That Into You." The other would be more empowering.
Q: Another screen that has gained in prominence since "Friends" is the computer screen. Has Internet stardom become oppressive to you?
A: Here's where I luck out: I'm really computer illiterate. When I see people on their BlackBerrys, working them like some girls work a hair dryer, I'm just stunned. People have sent me clips from FunnyOrDie.com or YouTube, but I never seek it out. I did love that little girl in the Will Ferrell landlord clip on FunnyOrDie, but I'm content with just checking my e-mail.
Q: What about something like Facebook?
A: It's not for me. I'd be opening myself up too much. I don't want to sound like a complete innocent — I've looked at things, of course. But it's such spewing. If I look at it, I'll be affected. It's like dancing with the devil. But I have spent hours on FirstDibs.com, looking at furniture. And I like to play Scrabble. And poker. I discovered Wii this weekend. I'm a late bloomer.
Q: How much do you hate cameras on phones?
A: My favorite move is when people pretend that they're on the phone and they kind of dial and take the picture at the same time. You hope they're doing it for themselves — that they're not thinking, I'm going to dine out on you.
Q: Do you think "Friends" would be as successful if it went on the air now?
A: Hard to tell — that was a different time. Now TV has too much to do with celebrity. We have reality television, where people try to become celebrities and celebrities dancing and past celebrities trying to be celebrities again. I thank God for shows like "30 Rock."
Q: Where you just played Tina Fey's old roommate.
A: Yes. My character stalks Alec Baldwin's character. If you had a boyfriend, I'd want him.
Q: And you'd get him.
A: There's nothing like stretching for a character.
Q: Was it nice to be back on the small screen?
A: The whole experience felt like fate. I was flying into New York and I thought, I want to work in New York again. The next day they called and asked if I wanted to do an episode of "30 Rock," which tapes in New York. And it was so much fun. So I guess, with screens, like everything else, size doesn't matter.
A question-and-answer interview with Jennifer Aniston in the Screens issue on Nov. 23 misspelled the name of one of Aniston's early television shows and misidentified her role in it. The show was "Molloy," not "Malloy," and she played the older sister, not the younger one.


text:
Learning About and From Horses
In 1998 Sherry began an in-depth study of deepening her horsemanship, searching for better ways to keep the stress levels low on both horses and people.
Being a trained educator with a strong emphasis in physical fitness and
psychology she discovered the parallels to becoming a better horseman as she continued her own learning journey. By combining all of her training and natural talents, helping others develop a deeper bond with their horse, while developing the physical performance
at the same time just seemed natural.
In 2003 Sherry finally took the plunge and started Heart in Your Hand Horsemanship
LLC full time. It started with a few clinics, private lessons, and taking some horses in for training. The first couple of years were spent training horses for others, traveling to do clinics, demonstrations, and speaking engagements as the business was developing.
In 2004 Sherry was honored to ride with Ray Hunt. And passed level 3
with Parelli.
In 2006 the Women's Confident Leadership Camps were started at her cousins ranch Calamus Outfitters.
In 2007 she started the Youth Camps, Apprenticeship Program and Young Horse Handling Classes.
In 2008 she added the Horse Psychology and Exercises for Riders Classes and Boot Camp for the serious horseman.
In 2009 her first book was published "Win Your Horse's Heart (Be Better Horseman).
In 2010 she added the Horse Lovers Bunkhouse. And got to ride with Buck Brannamen.
In 2011 the Spirit Horse Retreats and Trail Ride Camps were a great addition to the other Camps.
Then in 2012 she started the facebook group SADDLE UP FOR CHRIST where she posts daily inspiration and encouragement for over 1200 members and still growing. The Spirit Horse Retreats were started.
In 2012 the new on-line Horsemanship Study Course has taken off very well, with expectation to continue building this program. Sherry also was able to ride with Buck Brannamen again this year. And added a Dressage clinic to her resume with Sarah Martin.
In 2013 Sherry was not able to travel as much as in the past because the Horse Lover's Bunkhouse, Training and Intern Program kept her too busy at home. She had 4 interns and about 12 training horses.
She also started a second business with Young Living to support both her health and her horses through the use of essential oils and other chemical free products.
Another exciting thing that happened in 2013 was the Mule Ride that Sherry took with her friend Joan to the Grand Canyon. You can watch a video of the trip at this link http://youtu.be/B6KDWXC39Pc or read a journal about the trip on her blog Sandhills Horse Sense . She also had the opportunity to ride with Joe Wolter and do some demos at the NE Horse Expo, plus be the coordinator for the cowboy Church.
In 2014 Sherry rode with Richard Shrake and continued to develop her skills as an instructor, host camps and interns as well as take in training horses, and continue to expand speaking engagements and Sandhill Oils.
Sherry also did her first Spirit Horse retreat away from home in Pennsylvania and also traveled to Texas for Young Living Convention. She also worked with Tim Rust ministering with Horses through the NE Cowboy Church Asso. and also hosted Paul Daily in Burwell with Wild Horse Ministries which was very exciting.
In 2015 Sherry rode Richard Winters for the second time. The first time was in 2003 in a colt starting clinic in WY. Sherry started a Tuesday Tip Live Video on her Facebook Group. She became an active person in the NorthHill Fox Hunt Club as well. The bunkhouse was more active than ever so there was not as much time for travel, except to WY for the annual horsemanship clinic, to Utah for Young Living convention, and quite a few speaking engagements for Christian Women's groups in IA, KS and NE.
In 2016 Sherry is looking forward to continuing to grow
the intern, camps and especially the Spirit Horse Retreats at Horse Lover's Bunkhouse.
So as you can see Sherry is always on the move creating new and provocative ways to meet the needs of horse lovers.
For more information go to www.heartinyourhand.com
Sherry started with horses from a very early age. There has only been 6 months in Sherry's life without a horse.
Sherry has always loved horses and got her first pony Ginger when she was only two years old, the same age as Ginger. They grew up together and were riding with the wind at a very young age. They were best friends and Ginger lived to be over 30 years old helping lots of cousin, nieces and nephews learn to ride.
Sherry grew up in a rodeo family, with a calf roping father and a sister and brother who also rode from the time we could barely walk. Sherry hit every event she could from team and calf roping to barrel racing and pole bending. She got pretty handy with a rope, and always like helping her Dad with his cattle. She even entered some queen competitions.
Besides rodeos, the family competed in 4-H, local horse shows and gymkhanas. Sherry had to practice a lot for these competitions. But her favorite thing to do was just hanging out with her horse, riding the pastures for pleasure, jumping the hay bales in the alfalfa field, swimming the rivers together, and pretending to be a pioneer, a jockey in the Kentucky derby, a rider in the Olympics, or a circus trick rider.
Sherry attended college at Chadron State College where she graduated in the top of her class receiving a BS in Education, with minors in Physical Education and Psychology. She has taught school and owned her own businesses the past 25 years. However scattered throughout the years she kept coming back to the horse training. The love of working with horses and people has always been one of her greatest passion. (She also is passionate about God and living a healthy lifestye)
When the natural horsemanship clinics started becoming popular in the 90s Sherry says, "I finally found it." She discovered the holes in her foundation that had hindered her from taking her raw talent into a harmonious art form. This new found knowledge inspired her with a greater determination and dedication to share the importance of a natural foundation, which will develop a relationship with your horse which will change your life. She just knew this was what she was supposed to be doing.
The more Sherry learns and teaches the more she realized that if we can stay in the moment and keep balanced without letting the emotions of fear, anxiety, or anger take over, then we can stay safe on our horse. It is when we are in the moment that we can truly become one with the horse. We need to be both mentally, emotionally, and physically fit in order to be in the moment.
Some of the tools Sherry uses to keep herself both mentally and physically fit is regular exercise, including yoga, zumba dance, and cross country skiing. She says these activities give her the tools to keep herself and her horse in a frame of mind where they can develop an amazing partnership.
The practices of yoga and good horsemanship both use many of the same concepts and principles. Both require us to stay in balance in movement by drawing from our core, to use breathing techniques and relaxation, and also to stay centered, grounded, and focused both mentally and physically.
A horse needs a good leader and being able to stay in the moment requires mental, emotional, and physical fitness. Sherry's teaching will be hard work and at times will push you out of your comfort zone. But the rewards will be well worth it when you become one with your horse.
Sherry has a burning desire to share everything that has been made available to her, and to help people realize their dream with their horses in a natural way. She hopes to be instructing students and sharing her passion for mental, physical, spiritual, and emotional fitness for horsemen and their horses all the rest of her days.
We hope that you will join Sherry in her unique, easy, and clear style of teaching in order to continue your horsemanship journey.
Check out her website at www.heartinyourhand.com for more information.
Here it is the first week of October 2016, the 11th Annual Alumni Horsemanship Camp is over, Fall Fox Hunt has come and gone, I still have a few more people coming to trail ride the end of this month and a couple of brave souls scheduled for the first week of November. Where did the summer go?
I had a great summer here at the Horse Lover's Bunkhouse with lots of riders, plus I made my annual trip to Wyoming to teach a Horsemanship Clinic. I also caught up with Young Living Teammates at the "Live Your Passion" 2016 Convention in Salt Lake City, UT.
Other activities included: riding in a Richard Winter's Horsemanship Clinic, traveling to speak for Christian Women's groups, tubing down the Calamus River, Burwell Fair and Rodeo, painting some rodeo pictures for the local fairgrounds entrance, mentoring business partners, playing the piano for worship at Grace Family Fellowship, participating in my local writer's group, a weekly prayer meeting, and spending time with family and alone with God.I hope that your summer was an wonderful as mine.
Unlike some people I am somewhat happy to see the summer season pass because I am not a fan of the heat but at the same time I miss all the activity in the Bunkhouse, because as the days get shorter and cooler fewer people come to ride until it pretty much shuts off until spring. That could be depressing for me, however, I love the cooler weather, and also enjoy riding alone with my dog Cocoa. Even though I don't mind riding alone in the cold weather, I tell you the truth I sure do miss my riding partner Joan, who would pretty much ride with me anytime, no matter what the weather was like. It is hard to believe it has been over a year since she left us.
In the summer time I normally gain weight because I feel lazy in the heat and I just don't want to move. All I want to do is find the air-conditioner. But in the winter time I feel more like moving and therefore I get more exercise. The cool air makes me feel more live. However, that is not the case for everyone. So I wanted to give encouragement and a few tips to those of you who may be feeling a little sad as your riding time deminishes with the change of seasons.
If you are not one of those people who look forward to fall and winter, have you noticed that when the days get shorter, so does your patience? Your energy? Your happiness? You are not alone. There are a lot of people who feel this way. Did you know that our bodies really do sync with the sun?
Some people suffer from depression during the winter months. There is a term for this problem - SAD (Seasonal Affective Disorder).
I recently did a series "Understanding Hormone Health" for my Thursday night Education Calls. Did you know that hormones run our body and the sun helps to run our hormones?
In this case we are talking specifically about serotonin and melatonin. Serotonin is the "feel good" hormone while melatonin is the "sleepy time" hormone. Our bodies have been designed to produce these hormones with the abundance or lack of sun. Even horses respond to the daylight hours like; "physical activity, body temperature, heart rate, blood pressure, hormone levels, sleepiness, and more all undergo rhythmic undulations over the 24-hour period in response external cues, including light."* (Read: How Does Light Impact Horses)
Here is how it works in my simplified version. When the sun enters your eyes in the morning, it triggers the production of serotonin causing us to wake up. When the sun is gone, the body begins producing melatonin signaling the body to enter sleep mode (and continues to produce this until the sun enters our eyes again).
During the winter, many people typically leave for work when it's dark and leave for home when it's dark. This wreaks havoc with our natural body rhythms. Which causes some to suffer from the winter-time blues. Not to mention you don't have as much time to ride your horse, which we all know is our therapy.
The other problem with depression, is that many people turn to food to help "comfort" this feeling of sadness. Not only that, but the stress associated with feeling down causes us to harbor excess calories and fat.
Is there any hope?
I've compiled a list of tips that can help you combat these winter-time blues and to prevent you from packing on those extra pounds.
- Get rid of the junk food. There is just nothing healthy about anything in a package that is loaded with addatives and preservatives. So just don't buy it then it won't be in the house. This is the only way I can succeed. Success begins at the store. Learn to shop the outside ilses. Choose healthier snacks to have readily available. Like fresh fruits and veggies. I love my Thrive Life freeze dried fruits and veggies because they give me that crunch like a chip or cracker that I so love. They are addative and preservative free, picked ripe and have more nutrition than dehydrated, plus you can rehydrate them. I use them in smoothies daily. If you want to know more about how to get these quality freeze dried foods contact me at firstname.lastname@example.com
- Eat properly. Make sure you choose foods that are nutritionally dense. Think leafy, green vegetables, high quality proteins, foods with Omega Fatty Acids, and healthy fats. Choosing high quality foods will keep you fuller longer (so you don't crave junk) and you won't need to eat as much to feel satiated. Yes, these foods might seem more expensive, but because you are eating less, it actually makes it more economical in the long run! Plus the long term health benefits will cause you to spend less at the doctors office and what about how much better you will feel. What is that worth?
- Plan your meals. Being too busy is not a good excuse to not take time to plan meals. In fact if you plan ahead you will find you have more time. Planning will prevent those last minute splurges at the grocery store, or stoppying by the fast food place on the way home. I like the "Daniel Plan" There are menu plans, recipes and shopping lists. It doesn't matter which plan you use, the important thing is that you have one.
- Take Quality supplements. If you are not already taking quality supplements, now would be the time to do some research on the best ones. Don't be afraid to spend some money here because in the long run quality will save you money. I only use Young Living Supplementsbecause they provide some of the most potent nutritional supplements available to support health and well-being, combining herbs and various nutrients formulated with pure, therapeutic-grade essential oils, which act as catalysts to help with nutrient absorption as well as assisting in the removal of cellular wastes. Regular supplements without essential oils just are not even in the same ball park. For more information on what supplements I take daily to support and maintain my optimal health contact me at email@example.com
- Get outside & Exercise Just bundle up and do it for at least a few minutes. Spend 15 minutes at lunch outside enjoying the sun (this will give you a healthy dose of Vitamin D). Your exercise doesn't have to be outside, the best exercise is the one you will do. So find what you enjoy (swimming, classes with others, weights, walking, I love cross country skiing) We were born to move and the more you are sit around in the winter the more depressed you will get so get up and get moving. Find a buddy to do it with.
- Sleep schedule. Keep a normal sleep schedule EVERY night. Sleep is vital for proper body function and will help ward off other illnesses also. I use Young Living essential oilson my feet and in my diffuser for a restful night. Works wonders. I will only use Young Living because of the Seed to Seal Guarnatee. Many oils are adulterated and diluted. If you want to know what I use for a restful night then contact me email@example.com
- Enjoy family and friend time. Hang out with people who love, support and encourage you. Join a group of people with similar interests: I am in a writing group, a weekly prayer group, a church group, and my new Young Living family with facebook groups and weekly calls that are an invaluable source of knowledge and understanding. I know just who to call when I need an uplifting word, because I know they believe in me.
- Eliminate or at least Reduce Stress: Here are a few simple suggestions. Identify your priorities and establish boundaries. Be realistic. Cultivate gratitude. Just breathe. Pray.
- Give you horse a hug even if you don't have time to ride. We know that they are aroma therapy to us. Put your nose in his mane and inhale deeply. That will surely bring you out of the blues, then visualize the best ride you had this summer. It that doesn't work you need a bottle of Stress Away or maybe JOY in a bottle. Ha Ha.
- Bundle up and Ride Anyway: Who can be depressed when they are riding their spirit horse? Even a short 10-15 minute ride in the corral will do you wonders.
I hope these tips have helped you make the transition into the new season with joy and good health. Follow the tips above, and I am sure you will not only overcome the winter-time blues but you will also be healthier.
Most animals are more sensitive than humans to essential oils.
- Start by diluting heavily and use in moderation.
- Every animal is different, so carefully observe how each animal responds to the oils.
- Use common sense and good judgment as you try different methods.
- Take special care to not get essential oils in an animal's eyes.
- Avoid using high-phenol oils such as Oregano and Thyme with any animals, especially cats.
- Use special caution when using essential oils with cats. Cats are also generally averse to citrus essential oils.
Your animal's size affects the amount of oil you should use.
- For smaller animals like cats and small dogs, use 3–5 drops.
- Be sure to dilute 80–90 percent prior to application (for example, for every 1 drop of oil, use 4–5 drops of a diluting agent, such as coconut or olive oil).
- For larger animals, like large dogs, start with 3–5 drops. Unless otherwise indicated on the product label, dilution is unnecessary.
- For very large animals, like horses and cattle, start with 10 drops. Unless otherwise indicated on the product label, dilution is unnecessary.
Apply oils to yourself or diffuse to introduce animals to essential oils and help them get comfortable.
- Wear oils around your animals, diffuse in their space, or apply to your hands and let the animal smell them.
- If your animal is jittery or resistant to essential oils, try applying an oil to yourself and staying near the animal for several minutes so it can get used to the aroma.
- For cats and dogs, paws are a great place to apply essential oils.
- For hoofed animals, we recommend application on the spine or flanks.
- Try rubbing oils onto your own hands and then stroking the animal's fur.
- For large or hard-to-reach areas, combine essential oils with a carrier oil like coconut or olive oil, or water in a spray bottle for easier application.
Essential oils can be administered internally.
- Some essential oils can be mixed with your animal's food.
- For large animals, you can pull out the bottom lip and drop oils directly into the mouth.
Are there Safety Concerns?
- Most of the problems associated with using essential oils stem from the fact that people are using perfume grade oils for therapeutic use.
- Or people simply are not using them correctly!
- So please seek out the best quality oils and follow the safety information listed with each individual oil or blend.
- Also there is a great book by Melissa Shelton called "Animal Desk Reference" which I use and highly recommend.
Essential oils are:
- Non toxic to the horse – Just like the human body, toxicity is a huge problem for our animals. they can replace chemical fly sprays, wormers etc.
- Easy to use – Essential oils for horses can be used exactly in the same manner as with humans. Horses can inhale the oil directly from the bottle or from your hand. They can be placed directly on the body or placed in their feed.
- Extremely beneficial for training horses because they can help horses releasing emotional baggage, and can help the horse relax.
- Good for riders too! – Riders are continually dealing with fears, insecurities, and nerves. These emotions and others effect our horse on a daily basis. The oils can help release many of these emotions, produce a synergistic effect between horse and rider and ultimately improve our riding!
- Soothing muscles after exercise for both horse and rider.


text:
Discover West Texas, 2016
"Adventure is worthwhile." The fabled Greek storyteller, Aesop, allegedly said this. Aesop might have enjoyed traveling down the dusty roads and through the many towns and cities that make our part of Texas so unique.
There's adventure here, and it's all worthwhile.
If you know where to look, there are parts of Texas that will leave you speechless one moment, and turn you into a veritable storyteller the next.
If you know where to look, you'll find natural and man-made wonders within only a few hours reach by car. Visit the famous Caverns of Sonora, attend the World Champion BBQ Goat Cook-off in Brady, hike the trail in Big Bend National Park, or take a walk through time at Fort Chadbourne in Bronte.
In you know where to look, you can see a dinosaur in Iraan, hunt for lost treasure in Menard, kayak in Junction, visit the graves of infamous gunslingers, view modern art in Kerrville and ancient art in Paint Rock.
Explore the following places listed below. They each have something to offer, and the journey–like the stories you'll be able to tell afterwards–are all certainly worthwhile. If you know where to look, adventure is everywhere.
More Lifestyle
- Benefit will raise awareness of hunger, fund soup kitchen
- Right hands might have been dominant longer than we thought
- Should doctors turn away unvaccinated children to protect other patients?
- Closing the drinking gender gap, in a bad way
- For seniors, teeth need care — but insurance coverage is rare


text:
Marijuana is now legal and may seem relatively safe because of the perception that it is "natural". However, smoking or taking weed in any form while pregnant or breastfeeding can have serious and lasting harmful effects on unborn and newborn babies.
To help pregnant and breastfeeding moms understand the impact of marijuana use, First 5 San Joaquin launched a public education campaign in May 2018 to help increase awareness about the health risks associated with marijuana use. Various campaign materials and collateral were developed for the community, with community input and feedback included.
Version 1: 1600x600 | 300x250 | 320x480 | 728x90
Version 2: 1600x600 | 300x250 | 320x480 | 728x90
All San Joaquin County children will thrive in supportive, nurturing and loving environments, enter school healthy and ready to learn & become productive, well-adjusted members of society.


text:
The German banking association warns against the new capital requirements for financial institutions under the Basel III regulations (European Capital Requirements Directive) that is supposed to take effect on January 1th 2011. According to the German banks the new rules may result in them cutting lending by £1 trillion.
"Have you any idea of how much there is to do? Do you ever think of that? Of course not, you're all too busy sticking your noses into every corner, poking around for things to complain about, aren't you? Well let me tell you something – this is exactly how Nazi Germany started. A lot of layabouts with nothing better to do than to cause trouble."
Basil Fawlty (John Cleese)
Like the hyperactive hotel owner, Basil Fawlty, in the famous BBC sitcom "Fawlty Towers," European regulators are desperately trying to keep their financial house in order. It ought to be an easy task, if it wasn't for those damn house guests! Especially the Germans…
The Basel III agreement is accepted by all the other members of the EU committee, except for the Germans.
The German banking association says that the passing of Basel III would force them to raise over €100 billion in new capital, according to Frankfurter Allgemeine.
The most crucial rule is the new leverage ratio, which limits the amount of credit to 33 times the bank's core capital.
At the moment German banks are financed by all kinds of strange hybrid types of capital, which are technically counted as equity for the purpose of regulation, but which are, in reality, more like bonds.
Will Force A Recession
The German banking association says if the banks will need to raise the €36 billion by January to meet the new requirements.
If they fail, they would have to cut lending by €1000 billion, which would effectively constitute a credit crunch, and would force a recession.
The Germans wants the new rules to be implemented, not within six to eight years as proposed by the Basel committee, but in 10 to 12 years.
This is – at least partly – the reason the German government still expresses reservations about the Basel III agreement.
This just goes to show where the "dog is buried" when it comes to Europe's financial institutions.
See also: German Banks With More Than 200 Billion Euro In Faul Credits
An Invisible Credit Crunch
The German banking association warns of another credit crunch.
Well, I think it's a bit too late for that.
Monday, the ECB announced one sole bank was allotted $60 million via its FED-swap facilitated liquidity providing operation.
In a comparable operation last week, the ECB announced that just one, (probably the same bank), had requested $40 million in a dollar-denominated funding from the ECB.
The point is not that just one bank requested such a paltry sum of capital to last it for another 168 hours.
But this is a strong indication that the funding situation in Europe is so bad that a bank is unable to get a relatively small token of $40 million in the interbank market or via traditional means, and is forced to beg for money at the lender of last resort – the European Central Bank.
Furthermore, the fixed-rate on the operation came in at 1.19% – nearly 4 times the rate allegedly charged for 3 Month LIBOR, which yesterday came in at around 0.30%.
Governments Need £80 Billion This Month
Another evidence of the ongoing recovery/credit crunch is the fact that European governments plans to raise another £80 billion in September, compared with £43 billion in August.
Padhraic Garvey, head of rates strategy for developed markets at ING Financial Markets, said: "We are heading into a critical period as the chances rise that a government may fail to raise the money it needs.
"Spain, Portugal and Ireland are the obvious ones to worry about. Are investors willing to stay long, or buy the debt of these countries? I'm still not seeing investors willing to buy into the periphery."
Some strategists say the return of most investors from holidays this week could increase volatility in these markets because many have put decisions on their portfolios on hold during the summer.
With most investors back at their desks, some could start selling peripheral debt in the coming weeks, particularly as the outlook for the global economy has deteriorated. In spite of some better than expected data out of the US last week, worries about a double-dip recession have increased.
But other strategists insist governments will have little difficulty in funding themselves, even if they have to pay higher premiums or yields to attract investors. They say countries such as Portugal and Ireland have already raised most of the money they need this year.
Government bond yields of the peripheral countries, however, may come under further selling pressure.
The Fawlty Towers
The new Basel III regulations is supposed to be a "fire extinguisher" aimed at the evaporating confidence in the financial markets.
However, according to the Institutional Risk Analyst, the new rules might backfire – big time.
See also: Will Basel III Crush the Global Economy?
The German banking association are complaining about the overall capital requirements, but I seriously doubt that this is the only reason they're trying to avoid them.
Not To Be Mentioned
Because there's another little detail, not mentioned by any banker, called "Article 122a" that requires European credit institutions that invest in structured finance securities to know what they own.
It also lays out explicit penalties if a European credit institution does not obtain sufficient data regarding an ABS to satisfy regulators that the buyer fully understands the security.
Here's a Q&A about Article 122a, provided by Richard Field of TYI LLC.
Now – that's really scary!
Related by the Econotwist:
European Banks Hunting For EUR 1,65 Trillion
Morgan Stanley: Governments WILL Default
Brussels Tells Athens To Shut Up And Take The Pain
Greece About To Enter The Death Spiral
Related Articles
- Banks await final rules on capital (telegraph.co.uk)
- German FinMin says will not block Basel III (reuters.com)
- Will Basel III really deliver? (blogs.reuters.com)
- German Banks May Need to Raise $135 Billion on Rules (businessweek.com)
- The Basel III jockeying continues (blogs.reuters.com)
- Basel vs Barclays (ftalphaville.ft.com)
- Bankers Gather to Fend Off Harsher Regulation (dealbook.blogs.nytimes.com)
- G20 delay on Basel III bank curbs (guardian.co.uk)


text:
It's hard planning out your retirement. Taking a risky investment might fail and compromise your retirement funds. A less risky way of safeguarding your funds is through annuities. Annuities provide you with a guaranteed income that will last throughout your life.
1) What is an Annuity?
An annuity is a financial product or contract paid by investors to individuals or company. The payment may come in a period amount of time or one-time huge lump sum payment. In return, this payment becomes a steady stream of income throughout the investor's lifetime.Annuities are managed by financial institutions. They create or sell the annuities. The financial institution also accepts and invest funds from individuals. During annuitization, they release a stream of payments at a given point of time.
Annuities are usually provided by life insurance companies and investment companies. Annuities began in the 1800s. Life insurance companies offer individuals periodic payments. It's usually throughout the individual's lifetime in exchange for a lump sum of money.
Further Reading:
2) Annuity Type
Annuities can be categorized into different types of contracts or financial products. In general, annuities are fixed or variable. A fixed annuity is a stable periodic flow of income for investors. Variable Annuity is highly dependent on how the annuity fund is doing well. You could get a bigger income if it's doing great or a smaller income if it's doing poorly.
- Fixed Annuities - Under fixed annuity are also different classifications of annuities.
- Immediate Annuities work by contributing a huge lump sum. You will then immediately start to receive a regular stream of income. The amount depends on the annuity package of your choice. The amount will remain unchanged for the rest of your life. This type of annuity is usually chosen when you suddenly gain a huge sum of money like lottery winnings or an inheritance.
- Deferred Annuities are catered generally to the working class. It's a periodic contribution throughout your working life in order to build a huge capital. This capital is then made into a regular stream of income when you retire. The contribution you make is also tax-sheltered until it is converted to an income.
- Variable Annuities provide investment accounts. They are called "subaccounts". It's similar to a mutual fund. The payment grows depending on the performance of the annuity investment. This type of annuity has become really popular for its low risk and high reward. The insurance company guarantees you a minimum stream of income. This income increases depending on how well the annuity investment is doing. A variable annuity gives you a guaranteed stream of income and at the same time have a chance of growth in your investment. Hence, it's popularity.
- Indexed Annuity or Equity-Index Annuity is a contract. This contract is between you and an insurance company. You can pay a one-time payment or a regular stream of payment. An indexed annuity is almost the same as a variable annuity. The difference is how the income is dictated. The income of this payment is calculated based on a certain index. This index can be the S&P 500, Dow Jones, and other indexes depending on the insurance company.
Further Reading :
3) How Annuities Work
It is important to know how things work before you invest in it. We'll discuss the phases of an annuity contract, payment methods, and payout methods.
- Phases Of Annuity Contract - A typical annuity contract consists of three phases. They are accumulation, annuitization, and the payout phase. Do take note that not all annuity follows this phase. But this is the most common phases that annuities follow.
- Accumulation Phase is always the first phase of an annuity contract. It starts with the beginning of the payment . This phase is where you pay the financial institution to grow your investment. The more you pay your annuity, the more your income goes up.
- Annuitization Phase is the starting point when the financial institution begins paying back the investors. Once an annuity is in this phase, it is irreversible. It will provide a constant income to the investor until death or as indicated in the contract. The mode of payment is chosen by the investor within the contract. This is also unchangeable.
- Payout Phase is the final phase of the annuity. This is the period where payment returns are made to the investors. This is usually given on a monthly basis throughout your lifetime. Majority of annuity requires a minimum age to start this phase. The income generated is also taxed.
- Payment Methods - There are many ways annuity contracts are funded. Majority of this falls into three methods of payment. These are:
- Single Premium - is a single lump sum payment. It fully pays the annuity contract. This method of payment usually happens when an individual suddenly gains a fortune. Examples of this fortune are lottery winnings and inheritance.
- Fixed Premium - a systematic way of building annuity funds. Payment is made on a regular basis until the annuity contract is fully funded. Usually, these payments are made monthly. Others could be annually and different time depending on the contract agreement.
- Flexible Premium - a method of payment where the investor chooses when they pay within a certain minimum amount. This method of payment can also be shifted to a systematic investment. They are also free to amend the terms of contract granted that the funds have exceeded the minimum investment requirement.
- Payout Methods - There are different methods to choose for payout. This is usually specified on the annuitization contract.
- Straight Life - The contract pays you out until the end of your life. Even if your life span exceeded the value of the contract. Remaining funds on the annuity contract goes to the insurance company upon the investor's death. This method has the highest payout potential. It also is the riskiest to lose all investment upon death.
- Cash Refund Annuity - The investor is given income for life. Upon death, any funds left in the annuity contract is given to the beneficiary. The initial payout of this method is lower because of the refund.
- Life Income with Period Certain - The investor is provided an income for life. The income lasts only for a certain period even if the investor dies. If the investor dies not reaching the end of a certain period, the beneficiary will inherit the income. The initial payment is also lower compared to a straight life payout method.
- Joint Life - This is the same as the straight life payout method. The difference is joint life has two investors instead of one. The income flows so long as both of them are alive. Once one of them dies, the flow of income also stops. This is really unpopular because of this condition.
- Joint Survivor Life - This is the same as Joint Life. The change is that income will continue to flow as long as one of the investors is still living. The income is also passed on to the beneficiary upon the death of both investors. It is really popular but has a lower payout compared to Joint Life.
- Period Certain - The simplest method of payout. The income flows for a certain period of time. It stops when the annuity fund is depleted.
- Joint Survivor Life with Period Certain - A mix of Joint Life and Joint survivor life. The income flows until both of the investors are dead. If the second investor died within the period certain, the income is transferred to the beneficiary. It will stop until the end of the period certain. Because of the guarantees within the income stream, this has the lowest payout among all methods.
- Fixed Amount - This is also a very simple method. The investor receives a fixed income stream. It ends when the annuity fund is depleted. If the investor dies before the fund is depleted, the beneficiary receives the remaining funds.
- Interest Income Only - This is more of like a withdrawal. The investor receives all or part of the gains from the annuity funds. The base of the fund is not withdrawn in order to produce more gains.
Further Reading :
4) The Benefits of an Annuity and Why People Buy Them
If you are looking for a really huge return in your investment, annuities are not for you. Annuities provide you with a good stable income until your death. It's a good investment for people who are nearing retirement.
Why do people invest in annuities? Here are some reasons why:
- Low-Risk Tolerance - Seeing losses in your investment is not a good thing. But with a fixed annuity, it is guaranteed that you won't incur losses in your investment. Variable annuities may incur losses. However, there are options for you to add to potentially offset losses. One example of this is the guaranteed minimum income stream.
- Lifelong Income - Most annuities are set up to provide income for your lifetime. This is why it's popular because it guarantees an income until your death. Even better is that there are options that still give you income even if your annuity fund is depleted. The longer you live the better you gain from an annuity.
- Tax Benefits - You don't pay taxes on annuity until you withdraw from it. This only applies to non-qualifying annuity investments. Annuities under IRA or other retirement plans fall under a different section of the tax code. Do note that pulling money from an annuity is taxed at the ordinary income tax rates. If all the gains are withdrawn, your base fund is tax-free. You should consider annuity if you have maxed out your retirement plans and you're in the 25% tax bracket. If you are however below the age of 59 and a half, your income will be taxable. It will also incur a 10% penalty.
Further Reading :
5) Annuity Rates
You should know that annuity rates differ from different types of annuities. When comparing annuity rates among companies you should take note of what annuity types they are offering. Also, there are different definitions of the rate. The rate in annuity usually does not mean rate of return.
A big factor for calculating the rate of return will be life expectancy. A long life expectancy would yield a greater increase in return compared to a short one. This should be taken into account when investing in an immediate annuity. Do take note that this mostly applies to an immediate annuity. An immediate annuity usually does not include a beneficiary. That's why calculating your life expectancy should help you predict if you will gain or lose in the annuity investment.
You can check out certain websites that show monthly updates on annuity rates and annuity calculators. We'll provide you with links to those sites on further reading
Further Reading:
- https://www.immediateannuities.com/
- https://money.cnn.com/tools/annuities/
- https://annuities.blueprintincome.com/learn/guide/current-rates/
6) Reviews on Annuity Companies
We've checked out some of the notable annuity companies. We looked into some of the products they are offering and the presentation of their products on their websites.
If you're just interested in fixed-index annuities, here's an article to check out:
6.1) Fidelity Investments
BBB Rating: C- and not accredited by BBB
Consumer Affairs: 4 stars with 103 reviews
Year Started: 1946
Address: 900 Salem Street, Smithfield, RI 02917
Contact : 1 877 962-1133
Website: https://www.fidelity.com
Annuity Products offered : (click here for the website list)
- Fidelity Personal Retirement Annuity
- Deferred Fixed Annuities
- Deferred Income Annuities
- New York Life Clear Income Fixed Annuity
- Immediate Fixed Income Annuities
We love how Fidelity presents their annuity products on their site. It gives a brief explanation of the product. The site displays the minimum investment required, fees, and the highlights of the product. When you click on the product, it even shows more information. It tells you who this product is appropriate for. It also provides details of the product's feature, investment options, and annual fees.
Fidelity also provides customers with planning and advice. Their prices are also transparent so you are sure that there will be no hidden fees. They also provide investing tools and insights from professionals.
On the customers' side, we have varying mixed customer reviews. Most of the complaints were addressed to Fidelity's service. However, most of the positive reviews are also about service. The problem lies with the sales agent that they are being tended to. Make sure you are tended by a competent and courteous sales agent.
6.2) Mass Mutual
BBB Rating: A- and not accredited by BBB
Consumer Affairs: 3.2 stars with 32 reviews
Year Started: 1851
Address : 1295 State St. Springfield, MA 01111-0001
Contact : 1-800-272-2216
Website: https://www.massmutual.com
Products Offered : (click here for the website list)
- Deferred Fixed Annuity
- Variable Annuity
- Fixed Index Annuity
- Immediate Income Annuity
- Deferred Income Annuity
The product showcase of MassMutual on their site is quite simple. It only features the highlights and what it focuses on. It also shows a checklist of death benefit protection and lifetime income option for the products. These may be difficult to comprehend for first-time annuity buyers. Upon clicking on the product, it will give you details on how the product works. It also shows some of the features and advantages of the product.
MassMutual lets you contact their advisors to learn more. They also provide information such as product/fund performance for policyholders. The overall presentation of their website does not look friendly to investors who know little to none about annuities.
The customer feedback on BBB and Consumer Affairs are fairly balanced. Most complaints were centered around Products and Services. Expect to have a fairly long processing service as is most customers complain about.
BBB Rating: A- and not accredited by BBB
Consumer Affairs: 2.5 stars with 177 reviews
Year Started: 1967
Address: 180 Maiden Lane New York, NY 10038
Contact: Have different numbers for different purposes (see website contact us)
Website: https://www.aig.com
Products Offered : (click here for the website list)
- Variable Annuities
- Index Annuities
- Fixed Annuities
- Immediate and Deferred Income Annuities
AIG's website display of annuity products is very simple. Just a brief description of how the product works. When clicking on a certain product type, you will be shown more products under that product type. For example, under Index Annuities, there are three different products. They are Power Index Plus Annuity, Power Index Plus Income Annuity, and AG Choice Index Annuity. Upon clicking a product, it shows what the product is and how it works. It also showcases the benefits of buying the product.
AIG does not provide any financial professional to help you with. It may discourage you especially if you are not that knowledgeable on annuities. Even the way their website is presented through simple terms. It assumes that a website visitor should already have knowledge regarding annuities. Fees for products are also not shown on the website.
Customer feedback is highly on the negative side. Most complaints are about products, services, billing, and collection. If you want to try out this company, you should know and be clear of the conditions, fees, details within the product your buying to avoid discomfort.
6.4) Prudential Annuities
BBB Rating: Not rated and not accredited by BBB
Consumer Affairs: 3.7 stars with 64 reviews
Year Started: 1875
Address: One Corporate Drive, Shelton, CT 06484
Contact : 1-888-778-2888
Website: http://www.annuities.prudential.com
Products Offered : (click here for the website list)
- Highest Daily Lifetime Income
- Defined Income
- Premier Investment
Prudential Annuities only focuses on variable annuities. When checking out their product information, it gives out a brief description of the product. It also shows details of the product and providing information if the product is compatible with your needs. Upon clicking a product, it shows you details of the product, what it provides, and annuity options. It also provides information about annuity and income gained in an annuity.
Prudential Annuity helps you find a financial advisor. Their website also shows the products prices, performance, rates, and investment options. The website is made simple to look at.
Most customer feedback complaints are about Products and Services. If you want to try out this company or any other for that matter, always know what you're buying into. Know what the product offers and what it does not.
6.5) American Equity
BBB Rating: A+ and accredited by BBB
Consumer Affairs: 2.7 stars with 34 reviews
Year Started: 1995
Address: 6000 Westown Parkway West Des Moines, IA 50266
Contact : (888) 221-1234
Website : https://www.american-equity.com
Products Offered : (click here for the website list)
- Fixed Index Annuities
- Traditional Fixed Annuities
- Immediate Annuities
Their showcase of annuity products is very simple. You are shown a video about annuity and short details of the types of annuities they are offering. Upon clicking the type of annuity you want, you're redirected to another page. It contains a brief description of the annuity type. It also contains the common indexes they are using. Products for annuity types are shown. When clicked you are shown a pdf file of a brochure about the product. It contains details of the product. Such as potential income, benefits, and investment options.
Customer feedback is also the same with other companies so be careful when buying a product. Know the fees, options, and benefits.
7) Conclusion
Always remember that annuities are not built for large paying income. It's a low-risk investment that guarantees a lifelong stream of income. Different types of annuities provide you with different benefits and range of income. There are also different ways that you can structure your payout.
When buying annuity products, always know what your buying into.
Ask yourself:
- What is the product?
- What are the options?
- What are the features?
- What are the fees?
- When does the payout start?
- How long will I receive income?
Knowing everything about the product your buying into will help avoid problems in the future. Especially when you're very close to retirement.
An annuity is a very good retirement investment for its guaranteed lifelong income. It's a good setup for you to have and enjoy good long retirement life.


text:
By Davide Cali, Illustrated by Benjamin Chaud
Scroll down for a free Activity Kit and Poster
Download this free Make Friends with Reading poster.
0 Review(s)
Add Your Review
For customer service related to chroniclebooks.com orders, call 1.800.759.0190 or email firstname.lastname@example.com.
Help Us to Keep Magento Healthy - Report All Bugs (ver. 22.214.171.124)


text:
ANI, 4 August 2017
Here is a list of less-explored wildlife destinations in India!
Toehold is a unique and popular travel and photography company. The media loves us and it shows in the various features, interviews and articles about us. Here in Toehold News, we bring together all of them, from Times of India to Deccan Herald, Deccan Chronicle, Outlook Traveller, The New Indian Express, Your Story Media, Newsbarons and so on.
Here is a list of less-explored wildlife destinations in India!
A cloudforest of wonders — Jayanth Sharma on his Costa Rica experience!
Love the idea of travelling for photography? Toehold could be your best ally!
How Bengaluru helped the once IT professional Jayanth Sharma pursue his dream in photography.
"Toehold Photography: Re-envisioning travel & photography" Here's the transcript:
Photography Tours see rapid growth in outbound segment: Jayanth Sharma
Toehold featured on Travel Mail as a must-visit destination for travel and photography enthusiasts.
Toehold's Jayanth Sharma was a part of Wildlife India Forun 2017.
Making that picture worth a thousand words: Jayanth Sharma


text:
50 Cent keeps lid on personal life
50 Cent has revealed he likes his privacy, saying details of his personal life aren't "part of the show".
The US rapper, whose real name is Curtis Jackson, insisted being a celebrity isn't part of his game plan, and criticised those who tell all on reality shows.
"I'm very private and it's not a part of the show - I think some people really lose themselves to the entertainment business and they become consumed so much with entertaining people that they offer everything that they actually have, even down to inside their house, as far as reality television is concerned," he told The Independent.
Fiddy, who embarks on a UK tour on March 19, added: "There's got to be a place where you stop and you actually live away from it.
"I don't really have much of a personal life to offer - I've kept what little of my life that is personal to myself."
PA Media