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Your Automobile Insurance
Many people look first to the at-fault party's insurance to settle their claim; but your own insurance policy may also provide you with benefits and coverage you should know about.
- Medical Payments Coverage
This coverage is for medical bills for you and your passengers that is available to you regardless of fault if you have selected this coverage. The coverage is typically $1,000 to $2,000, but it can be any amount you have selected.
- Uninsured/Underinsured Motorist Coverage
If you carry this type of insurance and the at-fault driver did not carry sufficient insurance to cover all of the injuries caused by this accident, your insurance will compensate you for your injury up to the amount of coverage you have contracted for.
- Your Health Insurance
Unpaid medical bills can adversely impact your credit rating. If possible, you should use your health insurance to pay your medical bills. The at-fault party's auto insurance does not pay for medical care while you are being treated. If you fail to use your health insurance, the unpaid bills will have to be paid for out of your settlement. You may also want to contact an attorney to represent you to provide healthcare providers with a "letter of protection" stating that medical bills will be paid out of the settlement proceeds and all valid medical liens will be honored.
At-Fault Driver's Liability Insurance
- Property Damage
Vehicle Repairs
The insurance company will pay for the repairs to your vehicle and provide you with a rental car for the time that you are without a car UNLESS your car is a total loss. (You may also be able to turn to your own coverage to obtain a rental vehicle.)
Total Loss
If your car is not able to be repaired, or when the costs of the repairs exceed 60-75% of the fair market value of your car, it is considered a total loss. (Depending on your particular situation, it may be beneficial to have another adjuster evaluate your vehicle if it is close to a total loss, but not deemed one.)
Fair Market Value
The fair market value is the amount of money your car would cost as of the date of the accident. While the insurance company may use their own evaluation process, you can make your own evaluation using Kelly Blue Book at www.kbb.com or North American Dealers Association at www.nada.com. If you owe the finance company more than the car is worth, the insurance company is required only to pay you the amount that the vehicle is worth or fair market value.
Loss Of Value
In certain situations following a repair of your vehicle, you may be entitled to a loss of value claim. (i.e. the difference in the value of your car before the accident and the value following repairs when there is a damage disclosure required.)
- Bodily Injuries
After you have been released by all medical providers at the maximum medical improvement, the insurance company will settle your case in one lump sum. You are entitled to recover for your Medical Bills, Lost Wages, Pain and Suffering, Mental Anguish, Disfiguring Scars and Permanent Physical Injury. It is important that you seek the appropriate medical care for your injuries because your testimony alone will not be sufficient to document your injuries. If you cannot prove your case in a court of law, then the insurance company will not pay for your injuries in settlement.
For further information see: Some Do's And Don'ts Of Auto Injury Claims and Personal Injury
Whether your legal concern is relatively simple or very complex, let one of Rowland & Yauger's dedicated and experienced North Carolina personal injury attorneys begin working on a favorable resolution. We invite you to Contact us or call our office at 910-947-2280 or toll free at 910-722-9717 for a free consultation about your legal rights. If it is necessary for us to meet with you in your home or health care facility, we will be happy to make arrangements with you for that meeting.


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RMS Titanic
RMS Titanic was a British passenger liner that sank in the North Atlantic Ocean in 1912 after the ship struck an iceberg during her maiden voyage from Southampton to New York City. Of the estimated 2,224 passengers and crew aboard, more than 1,500 died, making it one of modern history's deadliest peacetime commercial marine disasters. RMS Titanic was the largest ship afloat at the time she entered service and was the second of three Olympic-class ocean liners operated by the White Star Line. She was built by the Harland and Wolff shipyard in Belfast. Thomas Andrews, chief naval architect of the shipyard at the time, died in the disaster.

subset: commoncrawl


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There have been a lot superhero movies that have come out in the past several years — some good and some not so good.
"Captain America: The Winter Soldier" stands out among the very good. Without a doubt, it is one of Marvel's best movies released yet, if not one of the best in the genre.
The movie has Chris Evans reprising his role as Captain America. The Captain is struggling to adapt to the modern world after being frozen for several decades. However, he's not necessarily struggling with the idea of changing technology, but rather with trust, morality and who he is going to be in the modern age.
Evans does a marvelous job once again at playing the Captain. He shows good humor, loyalty and honor, like the original character, and he performs very good action scenes that are highlighted by the film's superb cinematography.
Also, Scarlet Johansson returns as Black Widow and Samuel L. Jackson as Nick Fury. Both play their supporting roles way above par.
Overall, it was disappointing that the Winter Soldier, played by Sebastian Barnes, did not have enough lines to flesh out his character. However, that didn't take away from it being a well-acted performance.
With superhero movies, the best part should be the action, and with "Captain America," it is. There are several action scenes leading up to the final huge battle, and Marvel is well-known for having that great action finale. This finale topped many of its Marvel predecessors.
The movie is right at 2 hours and 16 minutes, which ended up being the perfect length. The pacing of the film left room for hungry anticipation as well as immense satisfaction by the end — exactly what makes a good blockbuster.
The only thing to make this movie better would be to have more of a focus on Captain America because, after all, that is the title of the movie. His character is so complex that he deserves more time spent on character development. At times, it was easy to forget that it's his movie among all the other people, including Black Widow, Nick Fury, S.H.I.E.L.D. as a whole and the Winter Soldier.
Despite these flaws, Marvel's "Captain America: The Winter Soldier" is another fantastic film to follow in the line of their big box office successes.
4 out of 5 stars.


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"There is a lot of crime here – the parents don't even have Bibles"
It is seven o'clock and the team of six, Hannes & Elzaan de Villiers, Leon & Rochelle Pheiffer from Building Hope Foundation and Mission4x4 and Shawn & Meme Duma from Crusade for Christ, stop alongisde a stream in the middle of no-where in the Eastern Cape, in the former Transkei for breakfast. We left Port Shepstone at 04:45 that morning. Everywhere we travel children of all ages, are walking to school and I cannot help but wonder whether these children have had breakfast themselves.
We meet Ps. Ndubeki, the local pastor alongside the road and stop at Ndlovumile Junior Secondary School, a small, but neat school just before 08:00. The deputy principle excitedly greets us. It is clear that they do not receive many visitors. There is no electricity and the Department of Education has erected a Zozo tank to store water. There is no grass and the children form disciplined rows on the stone filled soil.
Ps. Shawn Duma opens the school day with scripture of God's plan of salvation and love for them. Shawn and Hannes made turns in opening at each school. Hannes's message at the next school, Mbekwa Junior Secondary School, focused on respect and he demonstrated it by crushing a paper cup, breaking a ceramic cup and handling another cup with respect and care to symbolise disrespect and choices about respecting and treating one another.
In September 2012 Hannes and Leon assisted Shawn in distributing Bibles to children in the Eastern Cape. It was here that they became aware of the need for Bibles for children.
Rochelle Pheiffer, Leon's wife, had a vision to raise funds for children without Bibles by children who can donate funds towards such Bibles. Kid2Kid was born and supported by Building Hope Foundation. We partnered with Shawn Duma from Crusade for Christ to provide Bibles to children who do not have Bibles. Two pastors who were trained by CfC, minister in these schools and we support their work on ground level through this project.
So excited about their Bibles
The fundraising held at Laerskool Anton van Wouw and Laerskool Constantiapark, enabled Kid2Kid and Building Hope Foundation to purchase Bibles in Xhosa and Zulu and distribute these Bibles to 580 children in 4 schools in two provinces.
At each of the schools, the grades who received Bibles were called aside where it was handed to them. The pastors focused mainly on grades 8 and 9's. Rochelle explained the background of the project before the Bibles were personally handed to the learners. Without exception, the children hastily opened their Bibles to read the special messages in each Bible. They eagerly shared their special message with their friends and the smiles mirrored what was happening in their hearts.
"With Tea…."
After visiting the second school, Ps Ndubeki asked us if we could pray with one of the small churches in which he ministers.
A storm wind had blown down the church walls and the congregation has been able to rebuild the walls, but a lot of work remains as funds are scarce. Twenty people give us a hearty welcome and while we prayed with them for a little while, I could hear the wind howling through the half-built walls. Just as we were about to leave, a woman puts a plastic bag with freshly baked bread in Elzaan's hand with the words "with tea".
I stood speachless that within the midst of the poverty in this community, they are so generous.
Creighton Schools
We left that same afternoon for Creighton in Kwa-Zulu Natal, and thereafter to Himeville where we stayed overnight.
In Creighton, we first visited Pastor Xaba's house to map the GPS co-ordinates in order to find it the next morning. He is a warm and friendly man, but could not speak English. Shawn translated the conversations between Zulu and English.
On Friday, we visited Ginyani Secondary School, which has an exceptional view over the valley. Despite a strike we were heartely received by a teacher who stems from Pretoria. The school day is opened by Shawn and the learners sing the most exquisite


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Well we just cannot ignore the room and decoration of the kids' room while planning to buy a new house or renovating the house. The designing can be something of interest to your child. It can be theme based design or some cartoon based decoration. The most popular trend in the decoration of a kids' room is the teepee trend.
Well if you need some help getting your kids off the computer or away from the TV and into reading more books, you should definitely consider joining the teepee trend! It's just what it sounds like a small teepee made with sticks and fabric that you can decorate however you like for your kids to play and study in. Here is our collection of 20 best Teepee Reading Tent for Kids.
Teepee Reading Tent for Kids
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Star Athlete Flat Note Cardsbe the first!
Estimate Arrival Date
Product Description
Sporty set of note cards perfect for your athlete's notes to family and friends. Personalization will be printed flat printed in ink color as shown with your choice of typestyle. Full designed back as shown is included. Size 5.5" x 4.25". Blank white envelopes included. Printed return address in flat black ink available. Positioning only as shown.
Sample shown using EEOR typestyle.
Gift Notice
Why did you choose this?
"Child thank you notes"
— Vanessa B., purchased January 02, 2020


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By Atty. Manuel J. Laserna Jr.
Pres. Aquino, as a lameduck president whose term of office ends soon, should avoid irresponsible statements that reveal his insensitivity to public opinion if he wants his bet, Mar Roxas, to win in the next election.
We refer to Aquino's baseless "conspiracy theory" in re: the mass media's vigilant coverage of the internationally scandalous and painfully never-ending laglag bala/tanim bala scam at the NAIA terminals.
Instead of issuing unfounded statements that insult the intelligence and self-dignity of the Filipino people (his Bosses, as he claims), he should immediately fire DOTC Sec. Abaya (president, Liberal Party), MIAA GM Honrado (his cousin [?]], and the top Avsecom generals for incompetence and for abetting the corrupt and abusive behavior of the OTS, Avsecom and NAIA security personnel.
He should apply the doctrine of command responsibility against these officials.
The aforecited laglag bala/tanim bala scam is aggravated by Aquino's refusal to listen to the widespread cries of the working masses for the immediate passage of life-saving income tax reforms and for his lack of interest, if not laziness, to give top priority to the speedy enactment of the much-delayed Anti-Political Dynasty Bill and the Freedom of Information Bill (which have been in limbo in the dusty congressional archives since the ratification of the 1987 Constitution).
If Aquino wants to save his neck from future non-bailable criminal cases by reason of his illegal actions in re the unconstitutional DAP/PDAF funds and the bloody Mamasapano Incident (and other potential irregularities that might soon be discovered by the civil society and the media once he leaves his comfortable office at the Malacanang Palace), he should insure that his presidential bet Roxas win the election next year.
Aquino can achieve that dream only if he disciplines his arrogant mind, controls his sharp tongue, observes genuine humility, and exercises wisdom and fairness in his actions, decisions and statements as a lameduck president.
Otherwise, he will suffer the same humiliating fate of the convicted plunderer Erap and the seriously ill GMA, the two most disdained presidents in recent Philippine history.
Aquino must remember that the first law of nature is IMPERMANENCE. Nothing lasts forever. And the second law of nature is KARMA. One reaps what he sows.
– – – – –
Atty. Manuel J. Laserna Jr.
Prof. of Law, FEU (ret.).
Founder, Las Pinas City Bar Assn
Former VP, IBP PPLM Ch.
Partner, Laserna Cueva-Mercader LAW Offices
3rd Placer, 1984 Bar Exams
Blog – attylaserna.blogspot.com
- See more at: http://bicoltoday.com/2015/11/29/advice-to-a-lameduck-president/#sthash.DKGoiiVu.dpuf


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Trump Could Simply Ignore Court's Order Halting Travel Ban
Posted by Québec de Droite in Corruption, États-Unis, Ministère de la Justice on mercredi 8 février 2017
Quand tu peux choisir l'issue de la décision juridique en fonction de quelle région la cause est attendue, on commence sérieusement à avoir un système juridique à la carte.
Ce n'est pas pour rien que le juge qui a instauré un décret sur l'immigration des 7 pays est à Washington et la cause en appel est attendu à San Francisco, tous les deux des bastions prolibérales.
Leur système politique est pourri, car c'est l'argent qui influence les décisions politiques, mais leurs justices semblent aussi pourries en fonction de quelle allégeance que tu es.
Je peux très bien comprendre la frustration du président Trump et la frustation du peuple devant autant de pourriture.
Betrayed the letter and spirit of our nation's founding: Allowed the courts to run amok. We can continue drinking the judicial-supremacy Kool-Aid, committing national suicide, or we can drain the swamp infested with with black-robed tyrants
Trump Could Simply Ignore Court's Order Halting Travel Ban
By Selwyn Duke —— Bio and Archives February 8, 2017
Does our current status quo make our Constitution a suicide pact? Thomas Jefferson certainly said as much, warning that accepting judicial supremacy would make our founding document just that, a felo de se, as he put it in Latin.
Acceptance of judicial supremacy, by the way, is precisely why President Trump's temporary ban on immigration from seven Muslim-majority nations is on hold. Imagine that, Alexander Hamilton wrote in The Federalist, No. 78 that the judiciary is the "least dangerous" branch of government because it "has no influence over either the sword or the purse," yet it's trumping the man with the sword, the president. But does it have to be this way?
No, Trump could simply ignore the court ruling suspending his ban.
Outrageous!? Unconstitutional!? Actually, it's wholly constitutional.
In his dissent from the 2015 Obergefell v. Hodges marriage ruling, late Justice Antonin Scalia warned that with "each decision… unabashedly based not on law," the Court moves "one step closer to being reminded of [its] impotence." What did Scalia know about courts' power?
That it's basically an illusion.
Let's do a civics quiz. Why does the legislative branch have the power to make law? Why does the executive branch (presidency) have the power to enforce law? The answer in both cases is because the Constitution grants it.
Okay, now how is it that the judiciary has the "power" to rule on law and have its decisions constrain not just its own branch, but the other two as well? How have the courts become king? Because the Constitution grants…no, stop. It's not in the Constitution—anywhere.
Rather, this "power" was declared by the courts themselves, most notably in the 1803 Marbury v. Madison decision.
That's right, the Supreme Court gave the Supreme Court the supreme power to have the final say on laws' meaning.
It's a great con if you can pull it off.
The point is that the judiciary enjoys this power at the executive branch's pleasure. As soon as the latter says, to paraphrase Andrew Jackson, "The courts have made their decision; now let them enforce it," that power goes bye-bye. The judiciary is reminded of its impotence.
So it isn't just that the courts lack the sword or purse, the possession and exercise of which could simply amount to might making right. They also have no constitutional claim to judicial supremacy. In fact, the power is a violation of everything for which America stands.
Jefferson explained why in 1820, writing that "to consider the judges as the ultimate arbiters of all constitutional questions" is "a very dangerous doctrine indeed and one which would place us under the despotism of an Oligarchy." This is where we are now, and have long been—suicide-pact territory. The will of a nation 320-million strong is expressed through its duly elected representatives and laws are passed….
And then that will is thwarted by five black-robed lawyers in a central-government tribunal.
Does this sound like a government of, by and for the people to you?
As time has worn on, the judiciary has become increasingly brazen, issuing rulings more and more distant from the Constitution. This is no surprise. As Jefferson put it, "Our judges are as honest as other men, and not more so. They have, with others, the same passions for party, for power, and the privileges of their corps."
They even conjure up rationalizations justifying this power and privilege. For example, they long ago invented, out of thin air, the concept of the Constitution as a "living document" that can be interpreted to "suit the times." Yet since the interpretations so often conflict with popular will, the only common thread is that they suit the judges.
These esteemed jurists then put a veneer of legitimacy on their violation of law and duty by assigning themselves an intellectual-sounding designation. "Why, we're not constrained by a 200-year-old piece of parchment like those knuckle-dragging originalists," they say, "We're 'pragmatists'!"
To understand how outrageous this is, consider an analogy touched on by Chief Justice John Roberts when, during his confirmation hearings, he said his job was only "to call balls and strikes." Expanding on this, judges can in fact be thought of as baseball umpires, while the game's ruling body is the legislature and the rule book is the Constitution. Now, what if an umpire considered the rule book living and said, "With the great pitchers in these times, three strikes are insufficient; I'm giving the batter four strikes"? What if he then stated, "I'm not abdicating my duty. I'm a pragmatist!"
Would this be taken seriously? Or would he be laughed off the diamond?
Obviously, it's the job of the ruling body to alter the rules if necessary. Likewise, there is a lawful way to make the Constitution "live": the Amendment Process. It's long and difficult, and this ensures that before a change is made, a majority of the people agrees. This brings us to the problem with it—from the judiciary's perspective:
Judges can't control it.
So they usurp the people's power with a wink and a nod. They must be stopped.
There's more than one way to do this. Another little known fact is that Article III of the Constitution grants Congress the power to limit the jurisdiction of federal courts below the Supreme Court and the appellate jurisdiction of the latter. In other words, Congress could simply have prevented federal courts below the SCOTUS from ruling on immigration (and other issues) to begin with and the SCOTUS from reviewing lower-court decisions on those issues.
Congress also has the power under Article III to eliminate any and every federal court, except for the SCOTUS. So it could have made the U.S. Court of Appeals for the Ninth Circuit—a bench of fools now reviewing Trump's immigration ban—disappear long ago.
Yet this would require that our cowardly politicians take a real stand on a contentious issue. They'd rather that judges, who don't have to be re-elected, make the tough decisions. They can then pretend they did all they could and say, "The courts have ruled. The law's the law!"
So is it any surprise the courts are going rogue? "Absolute power corrupts absolutely," as Lord Acton warned. And how can we have a balance of power among the three governmental branches, as the founders intended, when two branches refuse to exercise their power?
I've heard it said that if the president ignored the courts, it would spark a constitutional crisis. Newsflash: When a branch of government is continually trampling the rights of others and violating the Constitution, we're already in a constitutional crisis. Showing the judiciary its impotence isn't the disease—it's the cure.
Only power neutralizes power. It's shocking how we've betrayed the letter and spirit of our nation's founding and have allowed the courts to run amok. We can continue drinking the judicial-supremacy Kool-Aid and committing national suicide, or we can drain the swamp infested with black-robed tyrants. It's impotence for them—or irrelevancy for us.
Selwyn Duke -- Bio and Archives | Click to view 1 Comment
Selwyn Duke is a writer, columnist and public speaker whose work has been published widely online and in print, on both the local and national levels. He has been featured on the Rush Limbaugh Show and has been a regular guest on the award-winning Michael Savage Show. His work has appeared in Pat Buchanan's magazine The American Conservative and he writes regularly for The New American and Christian Music Perspective.Trump Could Simply Ignore Court's Order Halting Travel Ban
Extrait de: Trump Rips Into "Political" Judges Deciding Fate Of Travel Ban, by Tyler Durden, ZeroHedge, Feb 8, 2017
Speaking to a gathering of law enforcement officials, President Trump doubled down his attack against the Judicial branch, and went after the panel of Appeals Court judges weighing whether a court order blocking his travel ban should be lifted, arguing the judges should immediately reinstate the executive order in the name of national security, although he refrained from criticizing the appeals court directly in his speech on Wednesday.
"I don't want to call a court biased, so I won't call it biased," the president said at a gathering of the Major Cities Chiefs Association in Washington.
"The courts seem to be so political, and it would be so great for our justice system if they would be able to read a statement and do what's right, and that has got to do with the security of our country, which is so important."
Trump further argued that his power to limit immigration shouldn't be challenged in courts, reading aloud in a speech from a U.S. statute giving the president authority to stop the entry of "any class" of foreigner.
"You can suspend, you can put restrictions, you can do whatever you want," Trump told a conference of police chiefs and sheriffs in Washington, after reading the law. "It just can't be written any plainer or better."
Trump made clear he is frustrated that the issue is being litigated at all, and he alluded to the 9th Circuit's reputation for liberal leanings. "Now we're in an area that, let's just say they're interpreting things differently than probably 100 percent of the people in this room," he said.
The statute Trump read aloud says in part that "whenever the president finds that the entry of any aliens or of any class of aliens into the United States would be detrimental to the United States, he may by proclamation, and for such period as he shall deem necessary, suspend the entry of all aliens or any class of aliens as immigrants or non-immigrants, or impose on the entry of aliens any restrictions he may deem to be appropriate."
The President also vented his frustration at the legal arguments made by judges and attorneys on both sides of the case, even reading aloud a portion of immigration law he believes backs up his executive order barring the intake of refugees and people from seven Muslim-Majority countries.
"If these judges wanted to, in my opinion, help the court in terms of respect for the court, they'd do what they should be doing" Trump said, adding "a bad high school student would understand this. Anybody would understand this," he said.
"They were talking about things that just had nothing to do this," he said of the judges, noting his amazement that it is "amazing we have a case going on for so long."
"But I have to be honest that if these judges wanted to, in my opinion, help the court in terms of respect for the court, they do what they should be doing," he added. "It's so sad."
As reported earlier, it's unusual for a president to publicly comment on court cases dealing with their policy proposals, particularly as a court is weighing a case, even more when the Supreme Court is likely to make a subsequent ruling.
Trump said on Tuesday evening that he watched the oral arguments in front of a three-judge panel of the San-Francisco based Ninth Circuit Court of Appeals, which was broadcast live on cable news. Trump argued that the country is in danger of being attacked by terrorists as long as the order is on hold.
"I think it's sad, I think it's a sad day," he said. "I think our security is at risk today. And it will be at risk until such time that we are entitled and get what we are entitled to as citizens of this country. We want security."
"Right now, we are at risk because of what happened," he said, adding later in the speech: "Believe me, I've learned a lot in the last two weeks. And terrorism is a far greater threat than the people of our country understand."
Whatever the ruling, the losing side is almost certain to turn to the U.S. Supreme Court.
Then, moments ago, Trump followed up his address in the usual way: with a tweet.
This entry was posted on mercredi 8 février 2017 at 12 h 31 and is filed under Corruption, États-Unis, Ministère de la Justice. You can follow any responses to this entry through the RSS 2.0. You can leave a response.


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Story of Infinite Roses
When the flames of war raged to a small town in the southern Europe, an infatuated couple was about to part. The boy was so brave and determined that he was going to join the battle to defend his hometown and family. Both of them knew that once the boy left, he might never return home just like their fathers and brothers. The boy left the girl with dewy roses just picked from the garden and a letter sealed with red wax. As agreed, the girl did not open the letter until the boy was completely out of sight. He wrote to her that when the last petal of these roses withered, it was time for her to forget him and embark on a new life.
Therefore, the romantic story of this fortunate couple is always on the lips of people. Today in Europe, when a boy and a girl fall in love, they will keep a bouquet of roses. They will either put the petals in the Bible or make them into preserved flowers, praying that they could be as fortunate and happy as the couple till the end of their lives.
About RoseStory
Inspired by the story, RoseStory selects the world's largest and best roses from Ecuador to preserve. With the help of advanced preservation technology, our preserved roses last for years with their everlasting beauty, retaining their texture and flexibility just like fresh roses. Plus, they do not need maintenance! We make beauty simple and easy for you.
RoseStory, as a leading company in the art of preserved flower, provides a various selection of preserved floral products, from single rose gift box to florist designed flower arrangements, our products are perfect for holiday celebration, gift sending, special occasions and events, home decoration, etc. Whether you are looking for a birthday or thank you gift or a stunning table centre for a party, our high quality, finest preserved flower arrangements can always meet your needs.
About Our Products
ü 100% natural preserved flowers and herbs. 100% chemical free.
ü Absolutely user-friendly to those who love roses but suffering flower allergy. No pollen.
ü Well-designed gift box.
üLast as long as 5 years or more under proper care.
ü A little surprise, a little happiness, and a little love.


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Bolga Market basket L - LAVENDER
Bolga Market basket L - LAVENDER
Brand: Lola & Mawu
Product Code:
Availability:In stock
£60.00 60.00
Have a question?
Our gorgeous market baskets are perfect for a picnic, shopping at the farmers market, or storing crafts supplies or toys.
Hand-woven with love by female weaving cooperative in Bolgatanga area, Northern Ghana.
All our baskets are fair trade and every purchase provides meaningful income to the makers.
Size approx: dia 16'' / 40 cm
- Each basket is one of a kind
- Handcrafted with love
- Vegan
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NB This is a handmade item and may have irregularities and variations of colour. These are not flaws, but part of what makes each piece unique.


text: Friday 14 March 2014 Solent study resistance exercise This article was written by James Steele, BSc (Hons), PhD candidate and researcher at Southampton Solent University. Since 2006, researchers in the Centre for Health, Exercise and Sport Science have been investigating chronic low back pain (CLBP). Several studies published by members of the Health, Exercise and Sport Science (HESS) research cluster have already started proving the effectiveness of resistance exercise for the isolated lumbar extensor muscles and have shown promising results. Recently however, I've published work that supports this approach even more. In an article published in the British Journal of Sports Medicine last October, my colleagues and I explored which exercises are best for strengthening and conditioning the muscles of the lower back. We concluded that exercise must use a certain restraint set-up to isolate the lower back and deliver the best results. Fortunately this set-up is the same as that of the MedX Lumbar Extension Machine that we've been using in our CLBP research so far. The concept behind using isolated lumbar extension exercise for CLBP is that weakness and deconditioning of the muscles supporting the lower back may be responsible for CLBP. In another article recently published in Current Medical Opinion and Research, my colleagues and I evaluated the research conducted in this area to see whether this was a potential explanation for the positive results we'd already had. We've actually found consistent evidence of deconditioned lower back muscles in people with CLBP. Some evidence also exists to suggest those with weak lower backs were at greater risk of developing low back pain. Our results support the use of isolated lumbar extension resistance exercise for CLBP. However, there are still questions we are looking to answer. Members of the HESS cluster have recently joined up with the Anglo European College of Chiropractic (AECC) to do further research on this form of exercise for CLBP. We hope to use the AECC's new upright MRI scanner to examine the effects this exercise on the intervertebral discs. We will also be working on a joint project with AECC looking to identify personal factors that predict success with this intervention. Share this article Twitter Facebook LinkedIn Email Print


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I love seeing what people create for downloadable desktop calendars. This month, I decided to do a round up of some of my favorite designs. Check them out below, with links to their sites!
1. This fun, floral calendar from Oana Befort.
2. Loving this colorful watercolor/hand-done feel from Evelyn Henson.
3. Sarah Hearts designed this adorable St. Patty's day inspired calendar.
4. Super into this water color calendar as well, this time in blue hues by Paper Squid.
5. I love the mix of photography with type on this mountain inspired calendar by Paper Leaf.
6. Lovely. Healthy. Whole. designed this adorable spring + St. Patty's day infused happy calendar.
[Images taken from the various sources listed above.]


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"When the first baby laughed for the first time, its laugh broke into a thousand pieces, and they all went skipping about, and that was the beginning of fairies." ~ J.M. Barrie
Sir James Matthew Barrie, (May 9, 1860 – June 19, 1937) was a Scottish novelist and acts inspired him to write Kensington Gardens and The Little White Bird, which led to Peter Pan, or The Boy Who Wouldn't Grow Up. Barrie was made a baronet by King George V in 1913. Before his death he gave the rights to Peter Pan works to Great Ormond Street playwright, best remembered today as the creator of Peter Pan. Although he wrote a number of successful novels, after meeting and adopting the Llewelyn Davies boys, these Hospital for Children in London, which still benefits from them today.
This week on Writing from the Peak:
This week on Writing from the Peak:
May 2 May's Letter from the Editor Donnell Ann Bell
May 4 The Writing Coach Deb McLeod


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Health and safety management
08 July 2019
HSE still fighting "blue tape"
In March 2018 the HSE's board considered the scourge of unnecessary health and safety burdens blighting business. What's the latest?
Discover all the possibilities of this online solution with a free, no obligation demonstration. A member of the team will take you through its features and benefits absolutely free of charge. No risk, no strings, no charge.
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Christian Evangelicals & the Roy Moore Love Affair
It's been two weeks since that fateful night in Alabama when voters (thanks Black women) decided to send Doug Jones. While Jones proved nearly immediately the Democratic Party tendency to pimp Minority votes but ignore our interests, Roy Moore still refuses to concede the election. Write in votes have been counted and all precincts accounted for but Moore refuses to give up the ghost.
In a rambling video, Moore speaks about immorality, abortion, materialism, and same-sex marriage – going so far as accusing these things of erasing life, liberty, and the pursuit of happiness. "We are indeed in a struggle to preserve our republic, our civilization, and our religion and to set free a suffering humanity. And the battle rages on," he said in the four-minute video posted to YouTube. "Today, we no longer recognize the universal truth that God is the author of our life and liberty."
How Evangelical of him.
"There's already one loser: Christian faith."
In his essay on the impact of the Alabama Senate race, Mark Galli wrote: Whoever wins, "there is already one loser: Christian faith." Mark Galli is the editor of Christianity Today, the flagship of American evangelicalism that was founded by the Rev. Billy Graham. Galli continues on: "No one will believe a word we say, perhaps for a generation. Christianity's integrity is severely tarnished."
Make no mistake about it: WHITE CHRISTIAN EVANGELICALS gave overwhelming support to Roy S. Moore, the Republican candidate, in the Alabama Senate race. You might remember Moore from such hits as "Racist & Religious Zealot," "Misogynist White Guy," and "Sure, She's Only 14 Legally but aren't we all God's Children?: Tales of Sexual Assault of Teenage Girls." Now other evangelicals are concerned that the open and avowed support of Moore has irreparably tarnished the Christian Evangelical brand.
There's Good News & Bad News
I have good news and bad news for the Christian Evangelicals who share Galli's sentiments. The Good News is that Roy S. Moore did absolutely nothing to tarnish our perception and image of Christian Evangelicals. The bad news for you all is that it remains untarnished because you have never been credible in our eyes and lived experience.
In fact, here are 6 times you've previously been found uncredible.
1. When Christian Evangelicals Fail to Care About Lives Outside the Womb
It's no secret that a shining political and religious tenet of Christian Evangelicalism is anti-reproductive choice. From Hobby Lobby's repeated interference in the wombs of its employees to those seemingly innocuous Foundation for a Better Life TV spots, Evangelicals continue to raise their battle cry against abortion. Nevermind that the "pro-life" biblical stance is actually not in the bible. Seriously, a group of people who claim the bible to be inerrant and infallible decided that the bible was saying something different about abortion between 1968 and today. The reality is that pro-life religious stances are a political strategy and not a biblical principle.
But while Evangelicals are all heart-eyes for fetuses, their love is cut as abruptly as the umbilical cord. This is evidenced by the numerous cuts to Medicaid (including the most recent Tax Scam Bill that awaits Cheeto Satan's signature — one he's currently withholding to avoid true impact of the decision in 2018, an election year) and the conservative right's constant battle against same-sex parenting and adoption. Of course, it wouldn't be White Evangelical Christianity if there wasn't a sprinkle of racism.
United Medical Center, DC's only public hospital, will NOT reopen its nursery and delivery rooms, hospital board has decided, leaving Southeast Washington without a local OB Ward for women to give birth or get prenatal care from specialists. Who does this impact most? You guessed it: the predominantly poor and Black residents of Southeast DC. How was this vote conducted? In a closed session. Not open to the public. because the District's Open Meetings Act doesn't allow a public body to vote on resolutions in closed sessions.
D.C. Council member Vincent C. Gray (D-Ward 7) states: "It says that, in terms of the allocation and equity of services, the people on the East End of the city are seen as not sufficiently worthy to have available to them one of the most important services a population can have."
2. When Christian Evangelicals Refused to Condemn White Supremacy at the Southern Baptist Convention
With just the words "Southern" and "Baptist," it should come as a surprise to no one that the voting body of Baptist Evangelicals fought vehemently against a resolution condemning white supremacy and the alt-right. Hell, it didn't even make it to vote before the contentions amongst leadership. Submitted by Pastor Dwight McKissic, a Black pastor in Texas, would have never seen the light of voting day if not for tremendous public outrage and pressure. The SBC begrudgingly put the resolution to a vote but only after revisions to the statement.
Honestly, it's an expected behavior. Or at least it should be, considering that the Southern Baptist Convention was founded EXPLICITLY TO SUPPORT SLAVERY. The deep racial tensions of the Baptist church are not novel or an ugly mutation of modern society. No, seriously:
In 1860, a Southern Baptist pastor from Virginia, Thornton Stringfellow, defended the institution of forced enslavement of millions of African men and women in Cotton Is King, and Pro-Slavery Arguments, with the full force of scripture: "Jesus Christ has not abolished slavery by a prohibitory command. … Under the gospel, [slavery] has brought within the range of gospel influence, millions of Ham's descendant's among ourselves, who but for this institution, would have sunk down to eternal ruin."
Fifteen years earlier, the Southern Baptist Convention had formed when a group of churches broke away from another loose association of Baptists, called the Triennial Convention. The foreign-outreach arm of the organization had forbidden a slaveholding church elder from becoming a missionary, saying it would violate the organization's neutral position on slavery. After attempting to negotiate a compromise, 293 dissenting church leaders—representing as many as 365,000 Christians—met in Augusta, Georgia, and formed a new association that supported slavery.
So much for racial reconciliation, Evangelicals.
3. When Christian Evangelicals Remained Silent on Police Brutality
Since the state sanctioned murder of Michael Brown on August 9, 2014, there has been a seemingly unending stream of Black men and women dying at the hands of United States police officers. Sandra Bland, Freddie Gray, Eric Garner, Akai Gurley, Walter Scott, Alton Sterling, Philando Castile, and Samuel DuBose to name a new. According to The Washington Post, in 2015 alone, there have been nearly 400 fatal shootings by police. Many of them were people of color.
Basically, there's been plenty of opportunity to White Christian Evangelicals to speak up. Yet, it has repeatedly chosen not to do so (see #2 on this list). For years, the White Evangelical church has deliberately refused to acknowledge the pervasiveness of and its participation in the racism and racial bias of this nation.
In January 2017, Pew Research released the results of its survey regarding attitudes towards law enforcement. The racial division grew when Christians were asked to rate officers' equal treatment of racial and ethnic groups. White evangelicals (68%) and white mainline Protestants (58%) were more than twice as likely than black Protestants (25%) to give cops a positive rating on this measure. It's blatantly obvious that even a sprinkle of Jesus isn't enough to mend the fences of Black folks' incredibly different relationship with Law Enforcement — nor is shared salvation through Jesus Christ enough for white Christian Evangelicals to do work that removes the boots off the collective Black neck.
Of course, that silence is somehow shattered when Christian Evangelicals are reminded our intersectional identities of Black and Christian. Just ask Lecrae. He recently revealed that his sales dropped once he criticized White Evangelical silence on Black Lives. Yikes.
4. When 81% of Christian Evangelicals Voted for Sweet Potato Satan in 2016
No, really. 81% of White Evangelicals of "inerrant and infallible" biblical truths voted for Cheeto in Chief without the slightest hint of spiritual conviction or irony. The convenient cognitive dissonance is just delicious.
As I've previously stated, White evangelicals carry out the will and purpose of their evangelicalism: white nationalism. Evangelicalism is literally built on the idea of biblical inerrancy, a convenient tool to rationalize, nay, justify slavery among other ungodly oppressions. Bearing that in mind, it's no wonder why 81% of White Evangelicals voted for the philandering misogynist. By electing El Presidente Basura, they carried out God's will according to their literalist interpretation of the inerrancy of scripture.
You can read more about that here: White evangelicalism is white nationalism.
5. When Christian Evangelicals Asked Us to Lift Up Pedophile Pastors in Prayer
Just in case you thought Evangelical Hypocrisy was just some white people shit, try this one on for size.
In July 2017, Three Ohio Pastors, Rev. Cordell Jenkins, the Rev. Anthony Haynes and the Rev. Kenneth Butler, were indicted on conspiracy to sex traffic children. The US Attorney's Office says Haynes began grooming a 14-year-old girl for prostitution in 2014. Prosecutors say Haynes introduced her to other men and all three of the pastors sexually assaulted her. Should they be convicted, they'd face life in prison.
And just how did the church respond? Much like you'd expect: requests to uplift the abusive trio in prayer "against the attack of the enemy." Saints, it's not an attack of the enemy. Predators and rape apologists simply don't belong in the pulpit to continue harming others. No child or person should be harmed spiritually or physically because you don't know the only appropriate sex is CONSENTING SEX WITH THOSE WHO CAN LEGALLY CONSENT. That ain't the devil, that's the damn law.
6. When Christian Evangelicals Fleeced Their Congregation for $1.2M
Pastor Terry Wayne Millender & First Lady Brenda Millender along with their comrade Grenetta Wells, were indicted by a federal grand jury on charges of conspiracy to commit wire fraud and money-laundering. Victorious Life Church in Alexandria, VA entrusted Millender with their spiritual shepherding and to do what is morally right concerning the business of the church.
Instead, the trio used folks' completely blind love of all things sprinkled with Jesus to convince congregations to invest in their company that allegedly helped people in developing nations to start or sustain businesses. Instead, it financed a $1.75M home and other personal expenses. When questioned about their return on investment, they deflected to the 2008 financial crisis. Eric Brown, a former congregant and victim states:
"It didn't really come as a shock—it was more of a sigh of relief," Eric Brown, a former church member, told Fox 5 DC. According to the news station, Brown's family was one of those who invested in the alleged fraud scheme, although they are not a part of the federal case.
"I asked him like, 'Hey, that's a nice car,'" Brown told the station regarding one conversation he said he had with Terry Millender. "He said, 'Yeah, $100,000 car. If you save up your money, God's going to bless you.' Come to find out now, it was actually part of our money."
Terry & Brenda Millender were convicted by a federal Jury in December 2017. They'll be sentenced in March 2018.


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Telescope Mountings
PRO-SERIES is the name for the new generation of professional quality telescopes and mounts of the Sky-Watcher range, targeted at the most discerning and critical observers.
PRO-SERIES products are manufactured to extremely high levels of optical and mechanical precision, undergoing very strict quality control procedures and testing by specially assigned technicians, to ensure the highest standards of quality and performance are consistently maintained.
Sky-Watcher Pro Series products have received a "Hot Product" commendation in the Astronomy Now April 2006 product review
HEQ5 & EQ6 PRO SynScanTMCOMPUTERISED GO-TO MOUNTING SYSTEMS
Tour the night sky at the touch of a button
For amateur astronomers seeking superior equatorial control and the ease of a high-precision computerised GOTO telescope mounting system, the new extra heavy-duty HEQ5 PRO SynScanTM and super heavy-duty EQ6 PRO SynScanTM mounts are your answer. Both SkyScanTM PRO models are advanced mounting systems which have been thoughtfully designed for ease of operation. With the user-friendly push-button hand control, locating and viewing the treasures of the night sky becomes as easy as a walk in the park. The SynScanTM hand control allows you to point the telescope at a specific object or even tour the skies at the touch of a button. The user-friendly menu system allows automatic slewing to over 13,400 objects. Even an inexperienced astronomer can master its variety of features in a few observing sessions. The mounts differ mainly in their physical size/weight and their subsequent payload capacity. They both come with the following advanced features that even the most discerning observers will appreciate:
SynScanTM V.3 Firmware Updateable Handset


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social, labor, and environmental issues involved in clothing manufacture, and now they've come out with The Common Threads Initiative in cooperation with ebay. You sign a pledge that asks you to do three seemingly simple things:
"Reduce. Don't buy what we don't need. Repair: Fix stuff that still has life in it. Reuse: Share."
They have about half of the 50,000 pledges they want folks to take for this year. All three of those things may sound easy to do, but in practice can be very difficult. Most people can't or don't buy less, and most won't repair clothes if they rip or lose a button. I'm halfway between fixing and not-fixing so I can definitely sympathize with people who don't want to go to all the trouble to find a needle and thread or drag their sewing machine from the closet, or take their shoes to the cobbler. Too many things to think about and do! In my perfect world we'd have a trade system for old clothes but the capitalistic functions of our society work in this instance, too, I suppose.
Thursday, May 03, 2012
Tuesday, May 01, 2012
Homemade Shirt
Wore my homemade shirt the other day - this is the one of the articles of clothing that inspired the post I did the other day about how the clothes I make don't have to be couture-quality. This is definitely not boutique-ready, but I don't feel ashamed to wear it - I feel great, actually, because I'm wearing something I made myself. The button holes are a little messy and some of the seams might not be the straightest, but people are not going to be inspecting the workmanship - it covers my body and looks relatively nice.
May Day: Buy Union!
If you choose to buy nothing tomorrow on May Day to show solidarity with fellow workers of the world, more power to you! If, however, you do choose to buy something, try this list of American-made products published on the United Food and Communication Workers International Union's (UFCW's) website. It was interesting to browse through and see what's available, but it would be even more helpful if they linked to the website of the business so you could go straight there and see where the product was being offered in your area.
Note: While I was doing labels for this post I realized that today is the beginning of National Bike Month, so I'll have to do a post on that, soon!
Got the neat graphic from here.
Note: While I was doing labels for this post I realized that today is the beginning of National Bike Month, so I'll have to do a post on that, soon!
Got the neat graphic from here.
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Join a Team and grow your talent
It is easy to make athletics and physical fitness a regular part of the undergraduate experience at MUT. In fact, nearly 80 percent of our students are involved in some kind of athletics and nearly everyone joins in cheering on their friends and classmates and showing Cherry pride.
Whether a recreational beginner or an proficient varsity athlete, MUT students stay active, engaged, and healthy. Our facilities include Basketball courts fields of all sorts.
Visit MUT Recreation for recreational or club sports, or the Department of Sports for more information.
Recreational fitness
For a stress-free and independent fitness experience, we offer a variety of recreational facilities where you can practice, play, and participate on your own schedule. We provide equipment for solo exercise as well as group classes.
Club sports
You are also welcome to join or start your own club sport. With less formality than varsity competitions, club sports are a great way to compete and meet new friends in a more relaxed, welcoming environment.


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Contact Us
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from Palo Alto -> URL Filtering log I had exported data on a csv file then I had imported on new Storage on Vantage Ultimate v.184.108.40.206
Before build a report, I take a look with Summaries Ad-Hoc analysis.
Inside the analysis, in the CATEGORY, together with good categories of Palo Alto, I see MANY More wrong categories.
For example category with name: "11243901" or "inQuirkMode:"False}(9999)"
I went in deep on log file an this values come from other field of the csv file (ex: seqno)
I guess this means the import process try some bad charter on the log file and fail to import the correct field on the correct place.
For example, the bad category value 11243901 appear only the following csv row:
1,2017/01/03 10:14:26,002201001619,THREAT,url,1,2017/01/03 10:14:26,188.8.131.52,126.96.36.199,184.108.40.206,126.96.36.199,MyRule,mydomain\pippo.foo,,google-base,vsys1,LAN,UNTRUST,ae0,ae2,,2017/01/03 10:14:26,34041549,1,52109,80,21051,80,0x400000,tcp,alert,fonts.gstatic.com/s/oswald/v11/HqHm7BVC_nzzTui2lzQTDVtXRa8TVwTICgirnJhmVJw.woff2,(9999),computer-and-internet-info,informational,client-to-server,11243901,0x0,22.214.171.124-188.8.131.52,US,0,font/woff2,0,,,1,Mozilla/5.0 (Windows NT 6.1; WOW64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/55.0.2883.87 Safari/537.36,,,http://fonts.googleapis.com/css?family=Oswald:400,700,300,,,,0,0,0,0,0,,PALOALTO,
What went wrong ?
Do you have a workaround ?
Not export log files from WebGUI but export log files from Palo Alto CLI.
This trick give some advantages:
1) the problematic fields are delimitated by double quotas
2) you do not have the 65,535 row limit
An example of the command is:
scp export url start-time log equal 2017/01/04 @ 09: 00: 00 end-time equal 2017/01/04 @ 18: 00: 00 to email@example.com: /tmp/filone9-18.csv
After That, When you import the file on Vantage you do not have any problem.


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All of us have at least one person or group of people that we work with who has an issue that we really need to address — a performance problem, a behavioral issue, a piece of spinach stuck in their teeth — but for some reason, we avoid bringing up the topic with them. We've all been there.
Perhaps we're afraid of hurting their feelings, getting a negative reaction, having our helpful intentions misunderstood, or otherwise causing an unintended consequence. So we don't bring it up, and the ignored topic becomes the proverbial elephant in the room that gets bigger over time … continuing to hold back that person's true success and also negatively affecting us and others on the team. We aren't doing anyone a favor by pretending it doesn't exist. So how can we address the elephant in a way that we can be confident is likely to bring about a healthy result? [click to continue…]
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I don't know if the following applies to this particular device, but it's common on coin acceptors to have the coin fall past a magnet. A "slug" will stick to the magnet, and stay there until the "eject" button is pressed, which then allows the slug to fall through the return slot. Non ferrous coins are affected to a much lesser, but still significant degree as the go past the magnet. The magnet slows them down enough to change the fall time. So, in effect, the magnet tests the coin for metallic content.
I'm confused. The Graphic LCD Library that is linked to in the product description on this page is ONLY for use with the firmware written by SummoningDark. However, the Source Code that is linked to in the same place appears to be the 05/11/10 firmware version that (by what I glean from the comments) is somewhat improved from the original, yet still unacceptably buggy.
Did Sparkfun finally do the right thing, and incorporate the improved firmware? Or are they still shipping this product with the known problematic firmware, and further confusing the issue by linking to a library with incompatible functions?
Before I proceed with plans to use this display in an upcoming project, I need to know if I should purchase a programmer, and begin climbing the learning curve to reflashing the chip.
Don't get me wrong... I need to learn how to do this eventually, but this project already has me facing several learning hurdles, within a tight time frame. I need to choose my hurdles wisely ;)
Thanks in advance!
No public wish lists :(


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Life Insurance Questions and Answers: FAQs for Canadians
1) How much life insurance should I have?2) How much will life insurance cost?3) What is the difference between term life & whole life?4) What is term insurance?5) What is whole life insurance?6) What is universal life?7) Why should I buy life insurance?8) How do life agents get paid?9) Is live insurance tax free?10) Doesn't my mortgage insurance cover me?11) Isn't my life insurance through work enough?12) Should I buy life insurance online?13) How do I know my policy will pay out?14) Can you borrow money on a term policy?15) How long do I have to quit smoking before my rates go down?16) What can I do if I was declined for insurance before?
Detailed responses to these life insurance questions and answers follow.
Life Insurance Questions and Answers: 1) How much life insurance should I have?
In most cases, the perfect amount of life insurance is just enough. Having too much life insurance is simply an additional cost without an additional benefit.
Having too little insurance means that the beneficiaries may be left wanting in the event of the death of the annuitant. A good rule of thumb is to calculate the following:
For most families life insurance should cover the debts that they currently have and in some cases some or all of the income in the case of a wage earners death. Subtracted from this calculation might be the assets they currently hold.
For instance the equity in their home, their RRSP's, their savings, or other assets that could be used to help support the family in the case of an untimely death.
In the case of some corporate strategies the insurance should be enough to cover the value of the portion of the company should one of the partners or shareholders dies. The insurance could then pay off the estate of the deceased and allow the company to continue to function normally without the issues of probate to get in the way.
In some cases insurance might be used to pay off tax bills that occur to an estate or to a company upon the death of the annuitant. In this case it is a matter of calculating the amount of tax owed and purchasing insurance to cover this tax liability.
In any case, there must always be an insurable interest that is to be covered. Life insurance cannot be purchased for its own sake; there must always be a reason and justification before qualification.
Life Insurance Questions and Answers: 2) How much will life insurance cost?
The cost of life insurance depends on a number of factors. For individuals those factors would include age, smoking status, sex, and medical health.
The monthly or annual cost of insurance will also depend on the type of insurance that is purchased. As an example term insurance is the least costly of the three types of insurance.
Whole life insurance is more expensive since the insurance costs are being paid up front and the policy is accumulating cash value. A whole life policy that is paid up in 10 years would be much more expensive than a policy that was paid over its lifetime to age 100.
Universal life policies also have higher minimum payments but the nature of these policies is such that a higher premium may become necessary in order to make sure that the policy will survive.
When considering life insurance questions and answers, it is important to analyze your cash flow to make sure that you are able to afford the monthly or annual payments. There is no sense in purchasing a product that you can't afford and that you may cancel at some future time because the cost is too great.
Because life insurance requires prequalification we want to make sure that we can maintain the policy and not have it lapse and have to re-qualify later when perhaps our medical health is not as good.
Your life insurance advisor should always do a needs analysis to make sure that your family is properly covered and that your cash flow will allow you to maintain the policy. If your advisor does not do this type of needs analysis then you need to find a new adviser.
Life Insurance Questions and Answers: 3) What is the difference between term life & whole life?
The difference between term life insurance and a whole life insurance is something like renting versus owning a home. Term insurance means that you will have the coverage for a set period of time at a set premium. Should you fail to pay this premium then you will lose the coverage and the benefits.
Most companies allow 31 days of missed premium before they will cancel the policy. They will also allow reinstatement within the next two years if all of the premiums are repaid and there is no change in health or medical status. Term insurance is akin to renting a death benefit.
Whole life insurance on the other hand is meant to last for your entire life. In this case you pay more for the insurance upfront than is required to cover the cost of insurance. The additional money is deposited into a cash value account much like a savings account and a small amount of interest is paid on this additional cash.
Over time the cash value increases and the obligation of the insurance company for the face value of the insurance becomes less.
Some whole life policies allow you to pay them up in 10 years 20 years or until age 65. At that point no more payments are required. Also the cash value that is built up and policies such as these can be used as collateral for a loan at some time in the future.
Any growth inside of the policy grows tax-deferred. Whole life policies are an interesting product with regard to lifelong financial planning and also for estate planning purposes. Whole life insurance is like owning the death benefit.
Life Insurance Questions and Answers: 4) What is term insurance?
Term insurance is the simplest and least expensive form of life insurance. Term insurance provides coverage for a set period of time at a set premium. When that time is up the policy may be renewed but at a much higher rate based on the current page of the annuitant.
Typical term policies are ten-year, 20 year, or 30 year terms. Some companies also provide term policies to age 100. Should the owner fail to pay the premium on the term policy then after 31 days the insurance company will cancel the policy and the annuitant will have to reapply.
Most term policies can be reinstated within two years of failure to pay but the life insurer will have to pay back all of the premiums owed and re-qualify medically. Most insurance companies in Canada allow term policies to be converted into permanent policies either a whole life policy or universal life policy.
So for many families term policies are a good way to start out providing protection and when cash flow allows gives them the option to convert to a more permanent product.
Life Insurance Questions and Answers: 5) What is whole life insurance?
Whole life insurance is insurance that is meant to be permanent and last for the annuitant's entire life. The owner of the policy will pay more money than is required in the beginning in order that they will have the insurance at the end.
The additional money that is paid at the beginning goes into a cash account that has guaranteed values inside of the insurance contract. The face value of the insurance and the premium are also guaranteed.
Over time the cash account will grow the insurance company will pay a small amount of interest much like a savings account. As the cash account grows insurance companies obligation to pay out the face value becomes less. The beneficiary will receive either the face value or the cash value whichever is greater upon the death of the annuitant.
Most whole life policies have a provision where if the premiums are missed for some reason then the cash value will be loaned to the contract to pay for the premiums thus making sure that policy is not canceled due to nonpayment.
Whole life policies usually come in two forms, either participating policies or nonparticipating policies.
Nonparticipating policies accumulate only the cash value that is paid by the premiums and the small amount of interest that is paid by the insurance company.
Participating policies, on the other hand, share in additional monies the insurance company has available at the end of every year after deducting all of their expenses and costs. This additional monies paid to park dissipating policyholders in the form of a dividend. The policyholders can take the dividend as cash, as an addition to their cash value account, use it to reduce their premiums or to purchase more insurance often called paid-up additions.
Many policyholders like paid-up additions since the additional insurance will also give them additional dividends every year that the new insurance is purchased. Although the face value, the premiums and the cash value account is guaranteed inside a whole life insurance contract, the dividends are not guaranteed.
However, most insurance companies have paid dividends on participating policies faithfully for many decades. In this way, participating policies often build up quite large amounts of cash value over time. Another guaranteed benefit of whole life policies is loan provisions. Policyholders can take out loans against the cash value in their insurance policies usually at competitive interest rates.
This gives them access to the cash inside the policy tax free. Of course should the annuitant die the policy loans must be paid back before the beneficiaries receive the balance of the face value.
Whole life policies are very valuable for clients that want to have insurance coverage for their entire life. They are also useful for estate planning purposes.
Life Insurance Questions and Answers: 6) What is universal life?
Universal life insurance is like a death benefit with a cash value account only unlike whole life insurance the death benefit and the cash value account are unbundled and not combined the way they are in a whole life policy.
Also the premiums are not guaranteed but instead must be paid within a minimum/maximum range. Universal life insurance can be likened to a big bucket into which premiums are paid. The size of the bucket is determined by the size of the death benefit. The bigger the death benefit the bigger the bucket and the more money can be poured into the bucket.
Out of the bottom of the bucket comes the cost of insurance and other administrative fees the insurance company charges. If more money is poured in the top then goes out the bottom than the additional money can be invested in a variety of different linked options.
The linked options are investments much like mutual funds that can go up or down in value. The idea is to invest in linked options that go up in value thus out pacing the cost of insurance. Universal life policies can be set up with a level premium, which of course is more expensive at the beginning so less money goes towards investments or as a yearly renewable term which is much less expensive in the beginning, thus allowing more money to go into investments.
It is important to understand that unlike whole life insurance, the face value, the premiums and cash value are not guaranteed inside this contract. And because it is the policyholder who chooses the investments this product is usually more appropriate for a sophisticated investor or for corporate strategies.
However, like whole life policies the accumulated cash value can be used as collateral for third-party loan or for a loan by the insurance company.
Life Insurance Questions and Answers: 7) Why should I buy life insurance?
Individuals should buy life insurance if they are trying to mitigate the risk of death and the consequences that would occur in the case of a loss of that individual's income or support to their spouse or family. Life insurance is meant to protect families from financial calamity in the case of an untimely demise.
Insurance benefits can be used to pay off debt, including credit card balances, mortgages, vehicle loans, or unsecured lines of credit. The benefits could also be used to provide an ongoing income that can support the family and allow the survivors to regroup without financial suffering.
In addition, life insurance is often used as a way to facilitate estate planning and estate transfer of wealth. Because insurance is paid to beneficiaries tax-free and outside of probate, it is a most private way to transfer wealth and to minimize tax consequences and in many cases creditor proof wealth.
Life Insurance Questions and Answers: 8) How do life agents get paid?
Many clients have life insurance questions and answers about their broker's income.
Life insurance companies pay commissions on policies that are sold to individuals or companies. The commissions are paid either to insurance agencies or directly to insurance agents that may be contracted with that insurance company.
Individuals or corporations never pay advisors directly. They are always paid either by the life insurance company or by their agency.
Agents will be paid a substantial commission in the first year and then they will be paid an ongoing renewal fee to continue to service the client.
It should be noted however, that commissions are clawed back by insurance companies should the client cancel their policy within the first two years. This helps to ensure that agents provide clients with appropriate products that are priced affordably.
Life Insurance Questions and Answers: 9) Is live insurance tax free?
Life insurance products provide a death benefit to beneficiaries of the policy. The death benefit that is paid from an insurance policy to a beneficiary is tax-free in Canada. It is also paid outside of probate as long as the beneficiary is the named person.
If no beneficiary is named then the policy is paid into the estate of the deceased. But the death benefit itself is still paid with no tax consequence.
However, cash values inside of whole life or universal life policies may be taxed based upon the growth inside of those policies. However, the growth is tax deferred and there is no tax consequence while the cash values are growing.
Life Insurance Questions and Answers: 10) Doesn't my mortgage insurance cover me?
Mortgage insurance or creditor insurance is often sold by lending institutions in order to pay off the loan in the case of the death of the borrower. Mortgage insurance differs considerably impersonal insurance.
Firstly, the policy is owned by the lending institution or the bank. This means that when the death benefit is paid it is paid to the bank not to the individual. It can only be used to pay off the loan or the mortgage.
Secondly, the policy itself is underwritten at the time of death. This means the insurance company will investigate the death before they are required to pay the death that. Also, because mortgage insurance represents a kind of group coverage in many cases it may be more expensive than personal insurance.
Finally, the premium on mortgage insurance does not decrease as the loan or mortgage gets paid off. This means that the client continues to pay the same amount for less and less coverage.
Personal insurance on the other hand is owned by the client and is paid to the beneficiaries named by the client not to the bank or the lender. This means the beneficiaries can choose whether or not pay off the loan or to use the money for other more important purposes such as buying food and paying other living expenses.
Also personal insurance is underwritten prior to issue so once it is issued and the insured is qualified the insurance company is obligated to pay. Also personal insurance is portable unlike creditor insurance and the face value never diminishes as the premiums are paid as with organs insurance.
All in all Tom a most insurance professionals consider mortgage insurance to be inferior insurance compared to personal insurance; however, if clients do not qualify for personal insurance but do qualify for mortgage insurance, it is certainly better than no coverage at all.
Life Insurance Questions and Answers: 11) Isn't my life insurance through work enough?
Life insurance questions and answers about your company policy are very common, and show how little employees really know about their benefits!
Life insurance is provided to employees through group benefit plans are usually relatively inexpensive but also usually inadequate in terms of coverage. It is important to read your group benefits plan to see exactly how much life insurance coverage is provided.
In many cases the life insurance coverage is one or two times annual salary. In other words, if your annual salary was $60,000 and the benefit was two times salary that would mean you would be covered for $120,000 worth of life insurance.
In some cases the life insurance coverage is simply a flat amount such as $10,000 or $25,000 as an example.
Most middle-class families who must cover mortgage debt as well as credit card debt other liabilities and try to replace some of the income of the life insured would find that the life insurance provided in group benefit plans to be insufficient for their needs.
As an example, a family with a $400,000 mortgage plus $25,000 consumer debt and a wage earner that earns hundred thousand dollars year could conceivably be justified in having $750,000 worth of life insurance.
Life Insurance Questions and Answers: 12) Should I buy life insurance online?
In this day and age so many things seem to be able to be are just online. For instance, many companies provide quotations for home and auto insurance online, and it may be possible to even make the purchase without ever visiting the general insurance agency.
In the case of life insurance however, the products themselves are more complex and the needs of the client are more demanding than simply purchasing vehicle insurance. Life insurance is an integral part of financial planning for most families.
Most families should make use of the licensed insurance professional before making a decision to purchase life insurance products.
In the case of complex corporate strategies that involve life insurance products professional advice is a necessity.
Life Insurance Questions and Answers: 13) How do I know my policy will pay out?
A personal life insurance policy is a formal contract. It is a contract between the policy owner and the life insurance company. The life insurance company takes great care prior to issuing the insurance policy to make sure that the insured person qualifies for the product.
Because this underwriting process occurs before the issuing of the product once the contract has been signed by both parties, the insurance company is absolutely obligated to pay out on the policy with a couple of exceptions.
The first exception is in the case of the insured committing suicide within the first two years of the policy.
The other exception is if the insured has lied or made false statements on the policy application.
If there are no exceptions, the life insurance policy must be paid to the beneficiaries within 31 days of presentation of the proof of death, i.e. the issuance of the death certificate of the annuitant. The benefit is paid in person, in private, tax-free, and outside of probate.
Life Insurance Questions and Answers: 14) Can you borrow money on a term policy?
A term policy contains no cash value and because of this cannot be used as collateral for a loan.
Life Insurance Questions and Answers: 15) How long do I have to quit smoking before my rates go down?
This is one of the more unusual life insurance questions and answers!
Most insurance companies require smokers to have quit completely for one year before they will consider adjusting rates to non-smoker levels. In that time, the client must not have used any form of nicotine aid or smoking aid that contains nicotine such as Nicorette gum or the patch.
They must truly be smoke-free for an entire year. The client may then make application for non-smoker status; however, the insurance company will perform the usual tests to make sure that there is no nicotine in the client's bloodstream.
Life Insurance Questions and Answers: 16) What can I do if I was declined for insurance before?
It all depends on the reason that the application was declined. If it was declined due to a medical issue and if the medical issue has been brought under control or has been cured that it is possible to reapply and to get life insurance coverage.
In the case of severe illnesses, such as cancer heart attack or stroke, it may not be possible to get traditional forms of life insurance. Some insurance companies provide guaranteed issue insurance at higher rates to those who have survived these diseases and have been disease-free for a certain period of time – usually two or more years.
If you have reason to believe that because of a medical issue or some other issue, you may be declined traditional life insurance, then some cases it is better to apply for the guaranteed issue insurance because many guaranteed issuers will not issue policies for at least two years to those who have been declined by traditional insurance providers.
In the case where there were special circumstances surrounding being declined, it may be possible to reapply with a different carrier with a detailed explanation of the circumstances that led to the original application being denied. Expect lots of life insurance questions and answers from the new insurer.
It is best to check with an insurance professional prior to making application so that they can speak to the underwriter of the insurance company to see if an application would make sense and be considered by the underwriter.
This can save being declined and may provide the client with time to change their behavior if it is a lifestyle issue, or to seek medical help if it is a medical problem.
We've tried to make this page about life insurance questions and answers as comprehensive as possible.
If your life insurance questions and answers weren't covered by this FAQs page, then please contact us. We'll be happy to help.
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In an effort to help open up the finance markets for small and medium sized businesses, the UK Government has made changes to current data sharing regulations. Mainly affecting the larger banks and credit reference agencies, the measures aim to make data sharing the norm, giving alternative finance providers and smaller, challenger banks access to much of the data acquired by bigger financiers. The move is expected to make it easier for SMEs to find the money necessary to grow, expand and succeed.
Perceived as one of the biggest obstacles to SME growth, the lack of information concerning the creditworthiness of smaller organisations has resulted in a difficult financial situation in which SMEs can struggle to borrow. With these changes, all of the designated banks and credit agencies will be required to provide, with the SME's permission, the credit information they retain for a business. This information will be shared equally and without prejudice to all finance providers in the hope of introducing greater competition to finance markets.
For a considerable amount of time, many of the larger finance providers have been able to collect and analyse data that no other organisation has access to, in an effect becoming the only organisations able to provide capital to SMEs with ease. By opening up the market to smaller competitors, the UK Government hopes to grow the number, and increase the power, of alternative finance providers while also ensuring the bigger banks take a long look at their current SME services and improve on current offerings. Though the move will undoubtedly help smaller banks and alternative finance providers, it remains to be seen whether bigger banks will bow to governmental pressure and work more closely with SMEs.
The protocol for such data sharing still needs to be planned and tested and there are concerns about secure and accurate sharing, although these factors shouldn't cause too many difficulties. At a time when the Government is banking on the support of SMEs and their owners, the policy, could help bolster their image as the party of business while also easing the pressure on small and medium sized businesses struggling to raise capital.
Funding to help your SME grow. Get funds in your account in 2 hours.


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The Subcommittee has just heard from Mr. Tahar Boumedra, who was until recently the United Nations official with the closest involvement in matters affecting the Iranian exile population at Camp Ashraf and Camp Liberty. He served in Iraq for three and one half years. I have discussed these matters in detail with Mr. Boumedra and believe his first-hand knowledge should be taken seriously.
In any organization, when someone alleges wrongdoing, this creates a responsibility on the part of management. I was an Assistant Secretary of State for four years, overseeing 320 people. When one employee raised a complaint alleging improper conduct inside a part of my organization, I did not know if that person was credible, or if the complaint was legitimate. I did know, however, that sweeping it under the rug, or retaliating against the person making the allegation, was not an acceptable option for a public official. So I held an emergency town hall meeting and told the workforce I was going to cooperate fully and let professional experts come into our bureau and conduct a full investigation, which they did. It was painful; it was unpopular; but in the end, everyone knew that standards of professional conduct were to be upheld and would be enforced.
Contrast that to the United Nations' reaction to Mr. Boumedra's statements about why he resigned. On July 28, a spokesman for the UN Department of Political Affairs in New York said, "It is regrettable that such a distorted picture is being presented of the efforts of the United Nations in Iraq to resolve peacefully the situation of Camp Ashraf." I find this reaction unsatisfactory and even disturbing.
The UN headquarters has just been told that UN field reporting from Iraq on this issue has been systematically doctored to portray a situation materially at odds with the reality; the specific concern is that the UN mission may have been complicit in disregarding and covering up violations of international standards of human rights and humanitarian obligations. Yet instead of launching an immediate investigation, or at least sending a veteran diplomat to ensure that UNAMI would adhere to UN standards and protocols in the future, the UN headquarters chose to disbelieve Mr. Boumedra.
Mr. Boumedra's legal training in London and years of work with NGOs promoting human rights and penal reform in Africa and the Middle East, as well as the fact that the UN recruited him and gave him significant responsibilities for three and a half years in Iraq speaks to his credentials. Last month I invited him to meet here in Washington with a group of experts on human rights, displaced populations and UN operations. The focus was not the Iranian exiles; this group wanted Mr. Boumedra's perspective on human rights issues in Iraq generally, based on his long tenure as the UN's Chief Human Rights Officer in Iraq. He impressed these experts with his knowledge and measured judgments.
Those who might question his motives should note that in May, Mr. Boumedra asked that his resignation become effective immediately, even though he could have served notice and collected severance pay for an additional period of time. From every indication I have seen, he is a principled, sincere and serious professional, not a publicity-seeker or disgruntled employee.
While I am disturbed by the stance of the UN Headquarters in response to Mr. Boumedra's disclosures, my concern about the US position goes beyond the obvious need to reassess UN reports and put the UNAMI mission back on track. If such alleged misreporting by the head of a UN field organization had occurred in southern Sudan or refugee camps in Turkey, it would also merit investigation, but the impact would mainly be humanitarian. Here, with the exiled Iranian opposition group being listed as a Foreign Terrorist Organization by the State Department, and facing life-and-death security threats in Iraq, Mr. Boumedra's disclosures could have important foreign policy implications for the US as well.
Recall that Secretary of State Clinton testified this past February to the House Committee on Foreign Affairs that, "[W]e are trying to…avoid bloodshed and violence, and have the people from Camp Ashraf move to Camp Hurriya [Liberty], and have them processed as soon as the United Nations can process them." Recall as well that last December, the head of the UN Mission in Iraq, Mr. Kobler, announced the signing of a Memorandum of Understanding (MOU) with the Iraqi government, stating that the MOU "respects [Iraq's] international humanitarian and human rights obligations and protects the security and rights of the Camp's residents."
Recall that one year ago today, on September 13, 2011, the UN High Commissioner for Refugees issued a statement saying that many Camp Ashraf residents had already filed requests for determination of refugee status and as such, "…are accordingly now formally asylum-seekers under international law whose claims require adjudication. International law requires that they must be able to benefit from basic protection of their security and well-being. This includes protection against any expulsion or return to the frontiers of territories where their lives or freedom would be threatened (the non-refoulement principle)."
Let us be clear about what Mr. Boumedra has told us: the Prime Minister of Iraq, with Iran's encouragement and assistance, has made it a matter of public record that the government's policy is to make life unbearable for the Iranian exile population, with the evident intention that people will lose their will to remain at Camp Liberty and ask to depart, even without gaining refugee status or a host country destination. Upwards of 200 people believed by Iran to be the leaders among this population will face criminal prosecution by Iraq and likely transfer to Iran.
This – not the shortage of air conditioners, potable water or ramps for the disabled at Camp Liberty – is the serious problem raised by Mr. Boumedra's disclosures. We have now been told that the goals articulated by United Nations agencies in Iraq and embraced by the Secretary of State are, in fact, not being pursued at all. A year after the Iranian exiles submitted refugee applications to UNHCR, only a handful of people have been processed. Throughout this relocation process for the Camp Ashraf residents, representatives of Iran including the Iranian Embassy in Baghdad have played a detailed, hands-on role with the Iraqi Prime Minister's office and the leadership of UNAMI at every stage.
As Mr. Boumedra told the Swiss newspaper Tribune de Geneve on August 31, Camp Liberty, which requires visitors to pass through seven security checkpoints, is a "high security prison, not a transit point for asylum seekers." Their security, which is codified in a promise by the United States which Mr. Boumedra says remains in effect under the Fourth Geneva Convention, is now being placed in the hands of an Iraqi commander at Camp Liberty, Colonel Sadeq, who led the April 2011 attack inside Camp Ashraf that killed dozens and wounded scores of defenseless residents. Mr. Boumedra said "The UN has deceived these people." The question for Congress is whether the United States was similarly deceived, or whether it has understood this hidden agenda all along. I am not sure which is worse.
Complicating the US position further, Secretary of State Clinton has told Congress that the closure of Camp Ashraf will be "a key factor in any decision regarding the foreign terrorist organization status" of the group known as the Mujahedin-e Khalq (MEK), with which the Iranian exiles in Iraq are affiliated. In light of the new revelations, Secretary Clinton's proposition to this group would appear to be a true Hobson's Choice: either leave your home of 25 years, Camp Ashraf, to live in a detention camp surrounded by armed security forces who have recently attacked, killed and wounded many among you; or risk remaining on the terrorism list where intelligence, law enforcement and financial investigators will keep you separated from friends and relatives in the US and restrict your activities worldwide.
It is hard to believe that Secretary Clinton would knowingly associate the United States with such a policy approach, and indeed Justice Department attorneys have told the Appeals Court that Secretary Clinton has been so preoccupied with other important duties internationally that she has not had the opportunity personally to address the MEK terrorism listing issue in detail. So it falls to her subordinates to advise her on how best to protect America's interests and honor. They of course have the option of disputing or dismissing Mr. Boumedra's allegations as insignificant. The Committee is right to exercise oversight here in the interest of determining the true situation and assuring the integrity of US policy.
My conclusion is that the US would be well served by a serious re-look at the facts on the ground in Iraq. I am concerned that Iran's agenda, reflected in Iraqi government actions, is seriously at odds with the United Nations' goal of conducting "refugee status determination" with each of the Iranian exiles and arranging for third countries to accept them as refugees.
From what I have seen, the regime in Iran exhibits no interest in seeing more than 3,000 MEK members safely relocated in the West, where they can conduct political activities aimed at ending the dictatorship in Tehran. Mr. Boumedra's account is more consistent with a scenario to compel these people to flee Camp Liberty and expose themselves to hostile Iraqi elements and Iranian intelligence services, once they are no longer accounted for by the UN and other interested governments and NGOs.
I cannot prove that Mr. Boumedra's account is accurate; but I would question the US Government's abililty to be certain that he is wrong, without investigating. As tempting as it will be for officials to dismiss unsavory possibilities, the US must consider the risks posed by this situation.
Once the last residents depart Camp Ashraf, are we certain Iran will not plant false evidence as it has attempted so often in the past, aimed at influencing a US counterterrorism intelligence review? The Camp Ashraf residents have called for an independent inspection, but the State Department has said this is not needed.
Can we be sure that the people now relocated to Camp Liberty will not suffer a third massacre at the hands of the Iraqi forces guarding them?
US laws require that allies not misuse US-supplied military equipment, and that foreign soldiers known to have committed gross human rights abuses be banned from ever receiving US military training. Even with billions of dollars of American defense jobs lined up to support the Iraqi military's tank and fighter aircraft acquisitions from the US, it is hard to imagine the Administration and Congress will disregard US laws including the Arms Export Control Act and the Leahy human rights law if these exiles are lethally attacked by Iraqi security forces a third time – particularly with Colonel Sadeq in command at Camp Liberty. I for one expect Iran to use every available lever to destabilize our long-term security cooperation with Iraq, a strategically important program for which US soldiers sacrificed much.
The prospect that our security and foreign policy interests in Iraq are being manipulated behind the scenes by Iran, at a time when Iran's nuclear program is our number one foreign policy challenge, is troubling and merits our attention. Moreover, every American who values our influence as a champion of human rights, a reliable keeper of international legal commitments and a defender of humanitarian principles should want to ensure that we have not damaged our reputation by appearing to violate these in accepting dishonest assurances from UNAMI even as reputable third parties sounded alarms.
Some members of the subcommittee, foreign policy officials and outside experts may hear this testimony and believe the concerns I am raising to be overstated. To them I offer this concluding thought. Ten years ago I worked for a Secretary of State whose name was and is synonymous with honesty and integrity. When he was asked by the White House to present a detailed intelligence dossier to the UN Security Council, he spent four days at the CIA grilling analysts and weeding out claims that he determined might not be supportable by the facts. Despite this unprecedented scrubbing, the resulting intelligence dossier that was presented at the UN turned out not to be factually reliable.
Anyone who thinks that it cannot happen twice is mistaken. For the past year I have been researching the open-source dossier on the MEK, going back many years and examining the background to allegations commonly attached to the group. My findings will become public in the near future. Suffice it to say that this dossier also suffers from serious flaws and embellishments added over time. As with the Iraq WMD file, in due course the truth will be known about the MEK's past.
For now, I urge the subcommittee, and through them the Administration, to intensify their scrutiny of Iran's agenda inside Iraq. An appropriate first step would be an independent investigation of Mr. Boumedra's account, including the many ways in which these exiles have endured gratuitous and severe hardships in accommodating the American requirement that they vacate Camp Ashraf. Once the Iraqi authorities' record on this issue is better understood, it will be clear that no amount of supplies to the residents of Camp Liberty will alleviate the prospect that their basic human rights and safety will again be violated.
I would like to know why the US did not make a major effort a year ago to arrange for a neighboring country to host a proper UN transit facility, one where all the exiles and the UNHCR staff could conduct the necessary reviews in safety, free of coercion, and where none of these collateral liabilities could so readily be triggered against US interests. This still appears to be the obvious remedy, and I hope that Secretary Clinton will step in and use her influence to move the entire operation out of Iraq.
The task of relocating these Iranian exiles safely to onward destinations has been a difficult and thankless one, made even tougher with the recent disclosures by Mr. Boumedra. Despite these challenges, the US can rectify the situation, preserving its interests and reputation, by investigating the facts and reassessing their policy implications.
I thank the Subcommittee and look forward to your questions.


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I found this bit of information in the Parade Magazine insert from the Omaha World Herald Sunday Edition, Stay Healthy. It stated that a new study from Case Western Reserve University found that women in the age group of menopause are at greater risk for periodontal disease than those who are not. In this case it was recommended that there is a greater need for frequent professional cleanings (up to four a year)-to remove the hard plaque (tartar) that can trigger gum disease and weaken the jaw bones.
Bolt Dentistry Blog
After Menopause Women Should See Their Dentist More Often
- Monday, October 17, 2011 | Comments (


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Young at Heart
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Young at Heart
December 5, 2019 @ 11:00 AM - 1:00 PM
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Young At Heart is our Senior Life Ministry at Clarksburg Baptist Church. Young At Heart meets the first Thursday of every month at 10AM. At each event we have guest speakers, games, activities, and refreshments.