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The YWCA Wheeling present The Ohio Valley Festival for Filmmakers of Color. This event will showcase creative amateur filmmakers from Wheeling WV, and surrounding areas. Participants will be asked to submit a short film that is not to exceed 10 minutes in duration.
The audience will be welcomed and encouraged to mingle and eat and partake of the refreshments. Then at 6:30 the screening of the films will begin. The films will be introduced by each director or creative team before they are screened. Afterward, the audience is encouraged to donate to the film, director or creative team of their choosing using the gallery of movie poster displays. Light food & beverages will be provided. Admission is free and open to the public.
Overall Rating


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Click here to call Touchstone Family Law now!
In divorce situations, private investigators are often called upon to help build a case and establish certain facts that are important to a client. However, what many clients don't know is that not all private investigators are created equal. Depending on what you're trying to prove (unreported income, extramarital affairs, drug/alcohol abuse), very specific private investigators may be necessary.
In this episode, your host and guide, Attorney Leigh Sellers, discusses the legal implications of hiring a PI, the different types of PIs, and why you should always speak with your attorney before hiring a PI to assist with your divorce and/or child custody case.
Key insights from the episode:

subset: commoncrawl


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According to National Heart, Lung, and Blood Institute, anyone can develop high blood pressure.
However, people with different age, race or ethnicity, being overweight, gender, lifestyle habits, and a family history of high blood pressure have different risks for developing high blood pressure.
Here are some factors that may increase your risk of the chronic disease. Remember that some factors you cannot control, but others you can.
Naturally, blood pressure tends to rise with age. In the US, about 65% of people age 60 or older can develop high blood pressure.
Nevertheless, the risk of pre-hypertension can go high in people at younger age. Recent studies have shown that overweight and obese children and teens can develop pre-hypertension.
This is another factor you cannot control. Researchers have found that high blood pressure is more common in African American adults than in Caucasian or Hispanic American adults.
Compared with these ethnic groups, African Americans tend to get high blood pressure earlier in life.
In addition, they on average have higher blood pressure numbers. They are also less likely to achieve target blood pressure goals with treatment.
Body weight
If you are overweight or obese, then you are more likely to develop prehypertension or high blood pressure.
The terms "overweight" and "obese" refer to body weight that's greater than what is considered healthy for a certain height. Usually you can use BMI to check if your body weight is healthy.
Men and Women have different risks for high blood pressure, and the risks change across time.
Before age 55, men are more likely than women to develop high blood pressure. But after age 55, women are more likely than men to develop high blood pressure.
Lifestyle Habits
Researchers already known that unhealthy lifestyle behaviors can raise the risk for high blood pressure.
This behavior includes eating too much sodium or too little potassium, lack of physical activity, drinking too much alcohol and have too much stress
Family History of the disease
A family history of high blood pressure can increase the risk of developing prehypertension or high blood pressure.
Some people have a high sensitivity to sodium and salt, which may increase their risk for high blood pressure and may run in families.
Genetic causes of this condition are why family history is a risk factor for this condition.
Copyright © 2018 Knowridge Science Report. All rights reserved.


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Please join us with the UIowa Office of the Vice President for Research for a special reading and reception as part of the Book Matters Series, celebrating Writers' Workshop Faculty member and New York Times bestselling author Margot Livesey. Livesey will read from her new novel, The Road From Belhaven, and be joined in conversation by Workshop Director Sam Chang. "Margot Livesey shines bright, as always – giving us both the beauty of the world and the roiling tumult of the souls within it. Bewitching and seductive, The Road from Belhaven is a vision." —Rebecca Makkai
Luminous and transporting, The Road from Belhaven once again displays "the marvelous control of a writer who conjures equally well the tangible, sensory world . . . and the mysteries, stranger and wilder, that flicker at the border of that world." —The Boston Globe
Margot Livesey was born and grew up on the edge of the Scottish Highlands. She is the author of a collection of stories and nine other novels, including Eva Moves the Furniture, The Flight of Gemma Hardy, and The Boy in the Field. She has received awards from the NEA, the Guggenheim Foundation and the Radcliffe Institute. She lives in Cambridge, Massachusetts and is on the faculty of the Iowa Writers' Workshop.
Lan Samantha Chang is the Iowa Writers' Workshop program director and Elizabeth M. Stanley Professor in the Arts. She is the author of The Family Chao, Inheritance, and All Is Forgotten, Nothing Is Lost. Her work has been translated into nine languages, and she has earned numerous awards and fellowships. She lives in Iowa City.
Reception in the café following the event.
From the New York Times best-selling author of The Flight of Gemma Hardy, a novel about a young woman whose gift of second sight complicates her coming of age in late-nineteenth-century Scotland


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MOBAs Are The Biggest Gaming Platforms In The World, And The Over 100x League Of Ancients Token Launch Proves That This Industry Is Ready For The Blockchain
Malaysia, December 27, 2021 – League of Ancients (LOA) is set to offer the world's first free-to-earn and free-to-play NFT MOBA game. The presale was oversubscribed by over 2,000%, and the token launch reached over 100 times the initial token price. As the roadmap milestones become completed, the project comes one step closer to the CEX listing and, soon, the product launch.
The developers of LOA were focused on building the best Multiplayer Online Battle Arena (MOBA) they could find, as they incorporated the most successful elements from various gaming technologies under one unified blockchain architecture. It was primarily inspired by DoTA2 and League of Legends, two prominent MOBA platforms. This genre has been proven to be both entertaining and exciting to gamers.
The League of Ancients game features NFT skin ownership, a trading marketplace, NFT staking, yield farming, NFT fusion, in-game purchases, and special events. Gamers will initially select one of 10 'Heroes' with one active and three passive skills. Heroes are classed into 5 roles: Tank, Mage, Marksman, Support, and Assassin.
Gamers can join either the 'Luminous' team or the 'Dark Souls' team and engage in strategic warfare for victory or defeat. The gameplay is set at 5v5 combat but there are many layers of complexity to the battles. It is based on controlling 'lanes' which lead to the base of the opposition. In between lanes are jungles and forests which can also be used for covert operations.
To date, there is no other MOBA NFT gaming platform. There are, however, many other MOBA games with huge fan bases. According to Statistica, MOBA gaming revenue is currently worth $43 Billion for 2021. The combination of MOBA gaming with the burgeoning industry of NFTs is sure to bolster both of them.
Many avid gamers have not yet fully awakened to the idea of getting paid for the time spent on a given platform, especially where token staking is concerned. The free-to-earn (F2E) component is another enticing element as users can trade NFTs which increase in value.
There are some very immensely successful blockchain-based platforms like Axie Infinity but these require a significant upfront investment. In other words, they are not free-to-play. Moreover, they do not feature the strategic 5v5 gameplay which is the centerpiece of the LOA NFT MOBA platform.
Other items listed on the up-and-coming LOA roadmap include the centralized exchange listing, yield farming, NFT staking, live streaming integration, and more. The total token supply is 1,000,000,000 with a vesting period of 200 days for pre-sales and a vesting period of 365 days for private sales.
LOA is listed on CoinMarketCap and is currently engaged in exchange listing. The game will be playable on both Android and IOS and is available on the Binance Smart Chain. Third-party smart contract auditing is done through Certik and Callisto. A number of NFT items have already been purchased including the Immortal Skin, Genesis Capsule, Alpha Capsule, and Beta Capsule. Each capsule gives different types of NFT 'skins' with unique attributes.
The $LOA token is currently trading at a price of $0.56 on Coinmarketcap with a 24-hour trade volume of $30 Million. It is ranked #3120, though both price and ranking fluctuate rapidly. With an ATH of $1.7 and an over 100x launch, there are good indications that this token is undervalued leading up to the product launch. The token is currently available for purchase on the PancakeSwap marketplace through BUSD.
About League of Ancients
League of Ancients is the World's first free-to-play and free-to-earn NFT MOBA platform available on the Binance Smart Chain. Inspired by DoTA2 and League of Legends, gamers can select their Hero and enjoy 5v5 strategic combat on a MOBA platform that features yield farming, NFT skin ownership, and a trading marketplace. The more you play, the more you earn.
Contact League of Ancients
- Connect with LOA on Telegram.
- Connect with LOA on Discord.
- Connect with LOA on Facebook.
- Connect with LOA on Instagram.
- Connect with LOA on Twitter.
- Connect with LOA on YouTube.
- Connect with LOA on the Website.
For more information, email: email@example.com


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Four red bars with the hammer and sickle at the heart.
100% cotton T-shirt
Size chart
This size chart is what we use for most t-shirts, but we work with other manufacturers who may use different sizes. Check the size chart below each product and, if you have any questions, do not hesitate to send an email to firstname.lastname@example.com
You can also call us at 972 049 513 (hours Monday to Friday from 9 am to 2 pm).


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Recently, a report came out that Black Adam is expected to lose a lot of money at the box office, making it yet again another financial disappointment in the franchise. Its reported loss was considered a major setback considering that it was supposedly a certified hit with Dwayne Johnson in the lead.
However, it sounds like the film might actually make a profit after all according to a new report from Deadline that disputed the claims of its disappointing financial results. Apparently, as it turns out, the film will turn a net profit between $52 and $72 million citing sources who were close to the situation.
In a table chart that they showed in the article, the total costs of the film including the marketing spending and profit participation were estimated at around $338 million.
Now, in terms of its revenue which includes the global box office, domestic and international rentals, and home entertainment and TV revenue, they were actually able to garner around $390 million. As a result, the film is being estimated to have a net profit of at least $52 million which does not include yet their extra source of income from the merchandise.
"I have read the claims that Black Adam will lose money. That is false," executive producer and financier Joe Singer said. "The picture may be considered disappointing since it had Dwayne Johnson in a DC film. However, the picture will pass break-even and throw off a bit of profit."
While the box office numbers may not be as big as what we used to see in the other DCEU films, based on this information, it looks like the studio and the producers are still seeing the financial returns as a big win since they were able to turn a significant amount of profit after all.
Obviously, at the end of the day, it poses the question of whether this signifies that the studio is confident enough to greenlight a sequel. Right now, it is hard to tell since we also know that James Gunn and Peter Safran are working out a bible for their DCU plan. With this new information, it does say that there is a strong possibility that it could happen.
Also Read: James Gunn Promises To Depart From One Of The Weirdest Traditions in DC
Black Adam is available to watch on VOD platforms. You can check more details about it here.
For more articles like this, take a look at our DC and Geek Culture page.


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Turkish Journal of Earth Sciences
An Early Pleistocene lacustrine faunal assemblage from Pasinler (Erzurum Province, north-eastern Turkey) is described, which encompasses 13 mollusc, 5 fish, 2 amphibian, 1 reptile, and 1 mammal species. The autochthonous freshwater mollusc fauna indicates shallow stagnant waters and a fine-sandy to muddy lake bottom, grown with submersed plants. The fish community (Leuciscus sp., Rutilus sp., Chondrostoma sp., Leuciscinae sp. 1 and 2, and Capoeta sp.) and autochthonous herpetofauna (Latonia sp. and Natrix sp.) provide evidence of a well-oxygenised palaeolake with rich periphyton and partially rocky to gravelly bottom. Moreover, the presence of the terrestrial snail Caspicyclotus cf. akramowsii, the peri- to semiaquatic Latonia, Natrix, and Allophaiomys cf. pliocaenicus reflects wet-shore habitats surrounding the lake. The specimens of Latonia sp. from Pasinler represent the youngest fossils of Latonia recorded from western Asia. Apparently, Latonia survived well into the Early Pleistocene in western Asia and southern Europe. Due to progressive cooling during the Late Pleistocene, however, the genus finally became extinct to the north of its present distribution area. The presence of the arvicolid Allophaiomys cf. pliocaenicus allows for dating the locality at ca. 1.0 to 1.55 Ma. The overlying alluvial sediments of the Pasinler Beds mark the onset of sedimentation of the Palaeo-Araks River into the basin and are Middle to Late Pleistocene in age.
Mollusca, Teleostei, Amphibia, Reptilia, Rodentia, palaeoecology, palaeogeography, Early Pleistocene, eastern Turkey
First Page
Last Page
Recommended Citation
VASILYAN, DAVIT; SCHNEIDER, SIMON; BAYRAKTUTAN, MEMET SALİH; and ŞEN, ŞEVKET
"Early Pleistocene freshwater communities and rodents from the Pasinler Basin (Erzurum Province, north-eastern Turkey),"
Turkish Journal of Earth Sciences: Vol. 23:
3, Article 4.
Available at:


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FRAMGRAF‑ improved properties of additively manufactured metals by adding graphene.
In this project, we will combine the outstanding physical and mechanical properties of graphene with the flexibility of the specialist area Additive manufacturing (AM). We will conduct a feasibility study for the manufacture of high-performance Metal Matrix Composites (MMC) reinforced with graphene.
Graphene, the world's thinnest material, has very good conductivity and is 200 times stronger than steel. It is flexible and can be stretched up to 10 percent without any remaining deformations. By combining additive manufacturing in metal with graphene technology, high-performance materials and components can be manufactured that can be used in aerospace, orthopedic manufacturing, tools, energy and other relevant industrial sectors.
The Mid Sweden University graphene project originates from the national innovation program SIO-Grafen, which aims to strengthen cross-border collaboration in the graphene area. The SIO-Grafen program vision is that Sweden will become one of the world's ten leading countries to utilize graphene to secure industrial leadership in 2030. One of the goals in the program is to gather national power and to build collaborations among important players such as universities, industry and institutes. Mid Sweden University want to help achieve that vision, and we will approach this by exploring available possibilities to use graphene in our specialist area, additive manufacturing in metal.


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Hamptonite Claus Hoie, who died in 2007, is the subject of an exhibition at the Bridgehampton Museum that begins today. "Claus Hoie's Greengrocer Series: Bountiful Harvest" are watercolors that span the last three decades of the artist's life; some are on display for the first time. Intellectual curiosity, imagination, and daily walks observing natural phenomena all served as motivation for Hoie's fruit and vegetable pictures. Especially interesting is his inventive use of calligraphy to emphasize species names derived from centuries-old scientific expeditions. Opening reception is this evening from 5-7PM.
· Bridgehampton Museum [Official]
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D-Tech Casino
D-Tech is a software development company with a strong focus on Asian-themed games. The company is based in Hong Kong and China, and is made up of a team of industry experts creating fantastic games to work on a wide range of platforms. The company has released over 100 games in their current and previous ventures, so it is safe to say that they are very familiar with the industry, most especially with Asian players.
You can play the following games from D-Tech at Videoslots, and always keep an eye out for more of their slots featuring on our online casino in the near future!
Start & Development
Launched in 2017, D-Tech Gaming was founded by Harmen Brenninkmejjer who has had a long-standing track record in regulated gaming sectors across emerging markets in the industry. His experience added to the highly experienced management team makes D-Tech the company it is today, building games for both land-based and online third-party clients, whilst also distributing its own games. The origin of the company started in Asia which naturally explains what seems to be the main theme on which the game developers seem to focus on. A month after their launch in June, signed its initial third-party contract, and in March 2018 they launched their first game, which was Year of the Dog. In total, they now have nine slots, which are truly all very well-crafted games, designed with a certain particular in-house style which they seem to want to stick to, giving them this auteur-like signature aesthetic. Around the same time, they've also secured a deal with Gaming Innovation Group (GIG) , which made united two industry veterans stand together, and made it possible for a greater awareness and familiarity of payer patterns, most especially Asian players in Europe.
Special Skills
Their first in-house game was Year of the Dog; immediately showing a promising venture for the company. Year of the Dog is a beautifully designed interactive slot that earns its name due to the fact that the company launched their first game in what actually was the Chinese year of the dog. Their other games are all set around iconic elements of Asian culture, from Dragon Pearl, to Lucky Money Cat to Mulan. The Great Archer on the other hand takes the aesthetic of an old nineties or early noughties arcade game, with simplistic two-dimensional graphics to add to that retro look, that's particular these kind of slots. Again, the oriental theme here is present and takes very much from classic international fantasy and anime games in its delivery of colours and general game presentation. They also have a really beautifully designed game by the name of Mulan, honouring a great Chinese legend of Hua Mulan, who was a fictional female warrior who disguised as a man, takes her aged father's place in the army. The heroine of this epic tale is a great female figure in the history of international mythology, especially in the recent years as she became more popular in the west. D-Tech's inclusion of this game makes reveals their search for variety and inclusion and continue to spread aspects of Eastern culture through their games.
Our final verdict
D-Tech strive to always work with a flexible approach, handling projects carefully and delivering them with a certain secure and definite finish, whilst also acknowledging that they have a deep sense of experience and knowledge about the industry and use that to their advantage with the way they are promoting and making such a name for themselves. This, and of course the general Oriental approach to their slots, as well as the interactivity and beautifully designed elements, is what makes D-Tech a great software starting them on the right track in iGaming. Watch out for this company; it's not the last time you're going to be hearing about them for sure. We're excited to be bringing you D-Tech slots on our online casino and we look forward to see what's next from this provider!


text: b'Television - RealityMarriage RescueJon Taffer, who is tremendously successful diffusing conflict among family-owned businesses on his popular series Bar Rescue, applied similar tactics to a diverse group of spouses on Marriage Rescue, ranging from newlyweds to couples who have been together for decades. To escape any distractions from the daily grind of their lives,Taffer transported these couples to a five-star beach resort in the Caribbean. In every episode, he met two new couples and then explored the issues straining their marriages. After putting their relationship to the test with a series of unique, customized and often exotic challenges, the couples either left the show together or opted to part ways.'


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389 – Impacting health care through AI Adaptive learning; a global perspective. Dr Marc Berg, Area9 Lyceum
In this episode of Talking HealthTech, host Ruby Hartley is joined by guest Marc Berg, a healthcare education expert and business development professional at Area 9 Lyceum.
They delve into the world of adaptive learning and discuss its benefits for healthcare professionals and organisations. From the creation of adaptive learning courses to the impact on patient outcomes, Marc shares valuable insights and practical strategies for implementing adaptive learning in the healthcare industry.
Key Takeaways:
- An adaptive learning course offered by Area 9 equips students with the skills to create their own adaptive learning courses, benefiting both smaller and larger organisations.
- Area 9's unique biologic approach to adaptive learning, as opposed to inferential hardwired methods, allows for more personalised and effective learning experiences.
- Area 9's adaptive learning software, used by prestigious institutions such as the New England Journal of Medicine and the American Heart Association, has revolutionised medical education and professional development.
- Marc emphasises the importance of connecting adaptive learning to improved patient outcomes, and envisions a future where adaptive learning is integrated into medical conferences and organisational training programs.
Check out the episode and full show notes on the Talking HealthTech website.
Loving the show? Leave us a review, and share it with someone who might get some value from it.
Keen to take your healthtech to the next level? Become a THT+ Member for access to our online community forum, quarterly summits, and more exclusive content. For more information, visit talkinghealthtech.com/thtplus


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Nature activities
Haut-Bugey is region of highlands and pine trees, a wonderful place for walking, hikng, mountain biking, climbing and archery. From the footpaths to the panoramas, explore nature in 1001 ways!
Outings and leisure activities
Like a breath of fresh air blowing away the ill winds of everyday life, outings and leisure activities are a chance to take your mind off things. You can experience and share new stories, have fun, do yourself some good, savour a treat for the eyes, and most of all, enjoy a laugh and a smile. And Culture leads the way with a fun and happy...


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When you go searching for a work, there is no need the luxury of exploring best places to make your data from. This is a crucial part in looking for a occupation. The very first thing you ought to do is to find a excellent source of information that offers you info on the specific area you wish to work with. This can be accomplished by doing a little investigation and actually talking to other people within the area or by looking at high on precisely what is needed.
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After you have done this, you must reserved some time to concentrate on finding a occupation. This might mean setting up besides 2 or more a long time each day. You must invest this point to trying to find a work. It is actually only a couple of time, even though this will likely seem to be a great deal of time and energy. The greater number of you put with it the better the outcome will likely be.
After getting focused entirely on selecting a job, you will have to get started coordinating your quest. In order to get the most from your efforts, you have got to account for every single powerful resource that you employ. For example the internet websites you take a look at along with the written documents you examine. Additionally, you will really need to keep an eye on any job interviews you attend.
Upon getting made your shows, you have got to organize them. This means making certain each of your facts are well organized. To make this happen, write down everything in types. Then be sure to maintain the folders all together. You are able to identify a employment considerably quicker.
Also, it is really crucial that you pay attention to finding a job when you find yourself having a difficult time getting a job when you make your info prepared. Ensure you look after any personal requires you have. Even if a task feels pleasing, it might not be perfect for you. It is best to attempt to focus on your career. It will ensure that you get the very best business opportunities.
Constantly be sure you have a beneficial view. People with a poor attitude are never going to achieve success. They might be too pessimistic or they often not make the degree of hard work they can could. An optimistic attitude will provide you a more satisfactory job.
Something else it is recommended to do is to be sure that you discuss with numerous people as possible. The more relationships you make, the more likely you are going to get chosen. You need to just remember to have a decent cv. If you have a great job application, you will end up quite likely going to find a employment.
The greater amount of information you obtain, the higher it will be possible to get a career. After you have performed your quest and you simply know what you need to do, you could start your quest for a new employment. Just be sure you have patience and be constant.
Looking for a career is difficult. You should not assume to get the fantastic work on the first day you get started searching. You have to be affected person and to not get aggravated should you not have the job that you like on the very first day. Maintain your research and maintain aiming to strengthen your and yourself expertise.
Be sure you have a listing of every little thing you will need before you go out and start putting on. Having this list will help you to move through and to pay attention to each and every career. You may even have a directory with your continue. It will help you stay planned.
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It is easy to employ a job lookup web page to help you to choose a task, ensure that you have everything you should make an impression on the manager. You can search several websites and locate the one which fits your needs the perfect. There are lots of cost-free job internet sites and compensated web-sites. The settled internet sites normally offer far better choices plus a databases which can be more substantial.
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Offering your customers branded merchandise that's unique to your store is a great way to build brand recognition. However, the customization process may feel daunting if you're new to it. If you're considering adding merchandise to your store lineup, here are some of the key things to know before ordering custom merch for your brand.
What Types of Merch To Order
If you're just beginning your merchandise plans, the best place to start is identifying which types of merch you want to order and eventually offer. There are many different options to choose from when it comes to custom-ordered merchandise for branding. You can find merchandise in many forms, including everything from practical products like pens and water bottles to apparel and more. For example, different types of hats make for great custom-designed merchandise. Consider your target audience, and choose based on what products will resonate with them and your current customer base.
Have a Design Ready
The next step to customizing your own merchandise is to create a design for said merchandise. Get creative with this step. You could opt for something as simple as copying over your brand's logo, or you could design an entirely new logo or slogan for your branded merchandise. If you want to use merchandise to expand your brand recognition, you may want to use your existing logo to help boost your customers' recognition of it.
How Much To Order
Once you have your chosen merchandise and designs picked out, you'll need to decide how much merchandise to order. For example, many custom design services offer wholesale buying and customizing options for your merchandise. Buying in bulk through a wholesaler is a great way to save your business money in the process. Plus, buying merch this way ensures your shelves will be stocked with your new items for quite a while.
How Soon You Need Your Merch
Before you order your custom merchandise, you should also consider how soon you'll need it. If you have a large event where you'll sell or give away merchandise and the date is fast approaching, you may want to expedite your shipping or ordering process. Each customization company will have different processing and shipping times, so you don't want to put off this ordering process until the last minute. If you're running out of time, consider looking into local customization options.
Hopefully, these things to know before ordering custom merch for your brand help make the ordering process run more smoothly. Once you have your merchandise styles and designs down, the rest of the ordering process will be smooth sailing with these tips in mind.


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There's no such thing as the truth, whole truth, and nothing but the truth.
Awakened after being cryogenically frozen for 40 years, Phillip Rolfe, a death row inmate, is cleared of his wife's murder by The Mechanical Magistrate, an infallible piece of machinery that has replaced juries and judges.
There is also someone who has replaced God – Dr. Jalen Walker, the megalomaniacal inventor of The Mechanical Magistrate. Dr. Walker controls every aspect of life in the compound he has created, using a zero-tolerance policy to ensure compliance to his will.
Phillip decides to search for his son, the only witness to the murder. Walker, extracting a promise from Phillip that he will return to the compound, sets hi free into a landscape so ravaged by disease that only 10 percent of the population has survived.
When Phillip's son is found, their reunion is not quite Phillip expected. Worse, Walker takes control of that situation as well, with disastrous results. Tired of Walker's control of his life, Phillip decides to use The Mechanical Magistrate against him.
Phillip decides that he wants to be God, and he knows how to do it. He knows something that Walker does not – the Mechanical Magistrate is not infallible, after all.


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Shop and Compare Video Game Prices: DVG is happy to offer a way gamers can compare video game prices in one easy location!
Rent Video Games Online:
Best Selling Video Games: Browse our brief list of the best Xbox games, best PS2 games, and others.
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Bad Video Games: Review poor video games. Are these video games good or bad? Post discussion in the forum.
New Video Game Releases: Latest video game news, new PS2 games, new PC games, located here and the video game forums.
Video Game News: Real time video game news to meet your gaming needs. You are welcome to use or download our free video game RSS feed.
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About Us: Read a little bit about www.DiscussVideoGames.com
Mobile Phone Reviews UK | Online Shop Reviews | SEO friendly Directory | Plasma TV Reviews www.DiscussVideoGames.com is not associated by ownership or membership with any developer, gaming manufacturer, or game producer, and is not meant to be an endorsement of any company, service, or link. All unique logos and designs are property of www.DiscussVideoGames.com


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Last year was an interesting one regarding how market participants view environmental, social, and governance (ESG). Those that oppose that style seemingly grew more strident in that opposition while ESG supporters displayed continuing devotion. All that arguing aside, what's not up for debate is that many ESG ETFs faltered last year due in large part to above-average allocations to growth stocks. The IQ Candriam ESG US Large Cap Equity ETF (IQSU), which allocates 35.2% of its lineup to tech stocks, is part of that group.
However, that could also be a sign IQSU also merits consideration as a 2023 rebound idea, particularly with growth stocks showing signs of life early this year. IQSU offers investors the added advantage of largely steering clear of ESG controversies, including companies that may be overhyping their ESG credentials – currently a major faux pas in the eyes of investors and regulators.
"Rather, ESG ratings often place a heavy emphasis on the impact of climate change on the corporate bottom line. A business could score well if climate change isn't perceived as a risk to profits, or it may achieve high marks if it's trying to mitigate the impact. An oil producer could win a high score if it's investing in renewable energy. Tech companies also tend to rate highly because of their low carbon footprint, even if tons of computer waste ends up in landfills, or components come from copper and lithium mines with near slave-labor practices," reported Lauren Foster for Barron's.
The Barron's article mentions another important point. One of the primary reasons some actively managed ESG ETFs outperformed rivals last year were more sizable allocations to value stocks. Value is on a two-year winning streak overgrowth and there are expectations that the streak will extend this year.
"Many ESG funds hold large slugs of high-growth tech stocks, partly because the industry is perceived not to have a large impact on carbon emissions. But tech was a disaster last year, tumbling 33%; funds that were underweight in the sector had a tailwind. Funds that emphasized value got another boost, as large-cap value stocks fell just 7.5%, on average, including dividends," according to Barron's.
For its part, IQSU is a passive ETF. It follows the IQ Candriam ESG US Equity Index and while the fund is overweight tech relative to the S&P 500, it's not bereft of value levers. For example, the ETF allocates almost 19% of its weight to the healthcare and financial services sectors, both of which are prime values destinations.
For more news, information, and analysis, visit the Dual Impact Channel.
The opinions and forecasts expressed herein are solely those of Tom Lydon, and may not actually come to pass. Information on this site should not be used or construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any product.


text: Metro Nashville Police say 30-year-old Nicholas Shandik, a well-known barback in the local service industry, along with an accomplice, attempted to steal a vending machine from Kid Rock's bar at 1 a.m. on a Tuesday morning in May. Bar security confronted Shandick and his accomplice as they were on the elevator with the vending machine. The pair claimed the vending machine was being "taken for repairs," which turned out not to be true. When they realized they were caught, they attempted to ambush two members of the security staff, charging up and attempting to push past them in an attempt to escape. As security detained them, Shandik struck one of the bouncers with an elbow strike and grabbed onto the other bouncer's head. One of the bouncers was an off-duty officer. Citations were initially issued; however, Shandik failed to self-book and was taken into custody this week on all of the charges.


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Medicare for Dummies
Do you really feel like reading the entire, Medicare for Dummies book? Medicare is complicated, but it doesn't have to be. Better yet, you don't need to devote hours and hours reading a book to understand it. In our Medicare for Dummies post, we're going to cover the basic parts of Medicare insurance that you need to know. By the end, you'll be more comfortable and have a better understanding of Medicare.
What is Medicare?
Medicare is the United State's healthcare system for individuals who are over the age of 65. Medicare is also for people who can qualify with certain disabilities and End-Stage Renal Disease. Medicare insurance provides inpatient and outpatient coverage for most medical services, medication, and durable medical equipment.
Let's cover the basics of Medicare Part A, B, and D.
Medicare Parts
Medicare is divided into 3 parts. Let's look at the basics of these three Medicare parts:
- Medicare Part A – Your Hospital Insurance
- Medicare Part B – Your Medical Insurance
- Medicare Part D – Your Prescription Drug Coverage
Each part of Medicare provides specific types of coverage. Let's dive a little deeper into these 3 parts of Medicare.
Medicare Part A
Medicare Part A pays for your room and board when you are in the hospital. In other words, your Part A Medicare coverage is hospital insurance.
Part A helps cover your hospital costs; such as:
- Semi-private room during a hospital stay
- Medically necessary home health care
- Limited skilled nursing facility care
- Hospice
- 1st 3 pints of blood
In order for Medicare Part A to cover the cost of your hospital visit, you need to be admitted and stay for two "midnights" at the minimum.
There are times when people who are in great health feel that Part A coverage is enough and they won't need anything else. Maybe they rarely or never go to the doctor. Be careful if this is your plan. Plan A covers very little of your medical services. In fact most medical services fall under Part B; which can leave you financially vulnerable. Long story short: It's always a safe bet to get enrolled in Medicare Parts A and B.
Part A Premium
Medicare Part A is usually free for most people if you or your spouse have worked long enough and paid Medicare taxes. Normally you need to pay Social Security and Medicare taxes while working about 40 quarters or 10 years. If you're not sure if you qualify for premium free Part A, contact Social Security to review your status at 800-772-1213.
Is Part A Free?
Part A isn't really "free" since the Medicare taxes you've been paying all those working years have gone towards covering your Medicare Part A.
Part A Deductible
Your Medicare Part A deductible is not a calendar year deductible; this deductible is charged "per benefit period."
The "benefit period" will start on the 1st day you receive services as an inpatient in a hospital. It ends once you have been out of the the hospital and haven't received skilled care in any other facility for 60 days in a row.
What does this mean? Well, it means that it's possible to pay more than one Part A deductible in a calendar year.
Your costs under Part A:
- Deductible per benefit period
- Days 1-60: No cost for semi private room.
- Days 61-90: You are responsible for coinsurance/copay each day.
- Days 91 (and after): You'll begin to access your lifetime reserve. Your lifetime reserve is an additional 60 days for hospital stays that also includes a daily copay.
Part A Benefits
The following is a breakdown of your Medicare Part A benefits. It shows you what Medicare pays. You are responsible for the remaining costs unless you have a Medicare Supplement plan to cover these expenses.
*When your Medicare Part A hospital benefits are exhausted, the Medicare Supplement insurer will stand in place of Medicare. Your Medigap plan will pay whatever amount Medicare would pay for up to the 365 days as provided in your policy's Core Benefits. During this time the hospital is prohibited from billing you for the balance based on any difference between its billed charges and the amount Medicare would have paid.
Medicare Part B
Medicare Part B pays for outpatient services that are classified as medically necessary. Medicare Part B provides coverage for medical services like:
- Surgical Procedures
- Ambulance rides
- Visits to the Doctor's office
- Extensive dialysis care for people with renal failure
- Chemotherapy & Radiation
- Lab tests
- Diagnostic imaging
- Preventive care
Several of the above medical procedures can occur in a hospital setting and can be billed under Part B. As a patient, it's not the easiest thing to keep track of – is it an inpatient procedure or an outpatient?
Part B Premium
Part B is not "premium free" even if you worked and paid Medicare taxes for 10 years (or 40 quarters). Your monthly Part B premium will depend on your adjusted gross income from 2 years ago. People with a very low income amount may qualify for Medicaid. If so, their Medicare Part B premiums may be covered by Medicaid in their resident state.
Part B Deductible
Medicare Part B has an annual deductible and 20% coinsurance with no maximum out of pocket limit. For example, if you need frequent doctor visits or other Part B services (chemotherapy, dialysis, or surgeries) your out-of-pocket costs can get out of hand.
The good news is you can protect yourself from financial and medical worries with a Medicare Supplement.
Medicare supplement insurance plans offer peace of mind because they can cover your out of pocket costs; which includes the Medicare copays, coinsurance, and deductibles.
Part B Benefits
The following is a breakdown of your Medicare Part B benefits. It shows you what Medicare pays. You are responsible for the remaining costs unless you have a Medicare Supplement plan to cover these expenses.
Parts A and B Benefits
Both Part A and Part B benefits help cover the costs of home health care – Medicare approved services.
Below is a breakdown of benefits. It shows you what Medicare pays. You are responsible for the remaining costs unless you have a Medicare Supplement plan to cover these expenses.
Medicare Part D Benefits
Medicare Part D is a program that was created to help people lower their prescription drug costs. It is administered and sold through private Medicare insurance companies. You are not required to get Medicare Part D. However you may incur a late enrollment penalty if you don't buy a Part D plan when eligible.
Medicare Part D Costs
Premiums & Deductibles – Since Medicare Part D is administered by private insurance carriers, the price you'll pay for coverage will vary significantly. Your Part D monthly premium as well as your deductible can be different from plan to plan.
Your costs will differ as will the copays, coinsurance, and or deductibles. Not only that, but the medications covered can also differ as well as their cost.
What about Medicare Part C?
We've been learning about how Medicare is divided into 3 parts: Medicare Part A B D – but what about Medicare Part C?
Part C is another great example of how Medicare confuses us with their "letters". Medicare Part C is a type of private Medicare insurance called Medicare Advantage. This type of insurance is usually an HMO or PPO. It is not part of Original Medicare.
In other words, Medicare Part C and Medicare Advantage are the same thing – just different names.
Medicare for Dummies – no more!
Congratulations, you now have a better understanding of Medicare insurance!
If you'd like a more thorough breakdown of Medicare insurance, sign up for our free Medicare eCourse. If you'd like to compare rates, you can get online Medigap quotes here.
Michael Quinn is an independent licensed insurance agent with a passion for helping others navigate the complex world of Medicare insurance. With over a decade of experience in the field, Michael has established himself as a trusted advisor to countless individuals seeking guidance on their healthcare coverage options.
In 2013, Michael obtained his license as an insurance agent, laying the foundation for his successful career in the industry. Prior to that, he earned his Masters Degree in Communicative Disorders from the University of Central Florida, which equipped him with strong communication and interpersonal skills.
Driven by a genuine desire to make a positive impact on people's lives, Michael co-founded REMEDIGAP in 2013. It was created as a dedicated platform that aims to educate individuals about Medicare insurance. Through REMEDIGAP, Michael provides comprehensive resources and unbiased information to empower individuals to make informed decisions about their healthcare coverage.
With his extensive knowledge and expertise, Michael has been able to guide thousands of individuals towards finding the most suitable Medicare insurance plans tailored to their unique needs. His dedication to his clients' well-being, coupled with his passion for simplifying complex insurance concepts, has earned him a reputation as a compassionate and reliable advisor.
His work has appeared on many blogs and websites including, USA Today, Yahoo.com, Nerdwallet, Think Advisor, and REAL SIMPLE.


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The Attack of Ugly-Crying
Lynne, my wife of almost three decades had been dead for three days and my sons and I hadn't gone out much.
On January 1st of 2018, my two sons and I chose to see the latest Star Wars movie. The night was cold, the line was long and the popcorn was hot.
The movie starts and I am immediately transported. Then it hits me…I haven't cried for two hours.
I have spent the past three days crying about every twenty minutes. My crying sessions weren't that long but they were frequent. Each evening after Lynne died was spent watching Idina Menzel clips on YouTube and just ugly-crying with impunity.
About a half-hour into the movie I realize I haven't cried. So, guess what I did… yep…I started ugly-crying in the theater.
I bolted out at full-speed and though 'whew, made it.' Wrong. The looks people gave me normally would be reserved for someone coming out of 'Schindler's list.'
A woman said to her date: "I can't imagine Star Wars would be so sad. " He replied: "Star Wars nerds get upset over everything."
So, I exit the theater and head into the mall. The mall is crowded but randomly crying middle-aged men isn't totally out of the ordinary at the Spokane Valley Mall. It is the Spokane Valley after all…
'Pull it together!' screams my brain. So, I call a friend, go back to being charming for a few minutes and restore my emotional equilibrium.
I see Macy's department store and I surmise looking some Movado watches might help.
The nice girl smiles as I approach the counter and I ask her if she has any new Movados in stock. She smiles broadly and brings out a nice black version with bright blue hands.
"This one just came in… it retails for $650."
The new watch she hands me is the exact watch Lynne bought me (used of course) for Christmas two years ago.
Cue the ugly-crying.
Cue body-shaking, head-bobbing, lung-collapsing, cop-calling, mothers-taking-their-children-off-the streets ugly-crying.
A look came upon the clerk's face akin to getting the letter that you are being audited.
"Oh…no…um… don't be sad…they do go on sale sometimes…"
I blubbered out 'thank you' lunged towards the exit. Then, grief-brain kicked in and I evaluated that turn of events as being the funniest thing EVER!!
Now I am ugly-crying and cackling with laughter simultaneously. Good times. Goooooood times.
Tears are your spirit interrupting your regularly scheduled thinking with a breaking message: I hurt.
Grief puts us face to face with our own mortality and powerlessness in this life. The hope while grieving is that the ripping, searing pain of grief can be shared with those we love and evolve into mourning.
Remember: Grief is the price of love. Only those who love have the opportunity to grieve.
Now, we give you pills, tell you to pep-up and go on match.com. As if you can medicate away the loss of a loved one.
Fortunately, I have learned that the only thing in this life you really control is your choice to step closer to Jesus or not.
Until then, ugly-crying is the reminder that you loved. There is some comfort in that even if the girl at the Macy counter never gets the whole story.
By the way… tears also may interrupt your regularly scheduled thinking to announce 'I can hope again.'
– Sean Lumsden