text:
Episode Notes | Transcript | AskTheGuest
Amanda Simpson is an Admissions Counselor at The College of New Jersey, TCNJ for short.
TCNJ is a liberal arts institution established in 1855 as a public university in New Jersey.
In addition to the rigorous academic programs and high retention and graduation rates, TCNJ is distinguishing itself as a place of Experiential Learning including internships, practical training and undergraduate research.
Hi-Fives from the Podcast are:
Episode Title: Amanda Simpson, Admissions Counselor at TCNJ: Welcoming Place, High Quality Programs, and Undergraduate Research.
The College of New Jersey (TCNJ) is a liberal arts institution established in 1855 as a public university in New Jersey.
Amanda Simpson gives us an overview of TCNJ, their Flagship Programs, Undergraduate Research, How COVID has changed what they look for in their students, Financial Aid and advice for High School Students.
In particular, we discuss the following with her:
Topics discussed in this episode:
Our Guest: Amanda Simpson is an Admissions Counselor at The College of New Jersey (TCNJ). Amanda focuses on International & Transfer Recruitment.
Memorable Quote: "...a significant percentage of TCNJ students engage in some form of experiential learning slash practical experiences. And in that umbrella research is a part of that." Amanda Simpson.
Episode Transcript: Please visit this episode's transcript.
Similar Episodes: Admissions Talk
Transcript of the episode's audio.
TCNJ has a an incredibly high first year retention rate no more than 95% roughly 95% of our incoming students every year return for a second year. And that really speaks to how satisfied our income students feel with the institution and how much they believe that TCNJ is a right fit for them.
That was Amanda Simpson, Admissions Counselor at The College of New Jersey, TCNJ for short.
TCNJ is a liberal arts institution established in 1855 as a public university in New Jersey.
Amanda Simpson joins us on our podcast to talk about TCNJ.
Amanda has been in Higher Education for a decade, working with students in academic advising and student life.
Venkat Raman 1:14
In this podcast, Amanda gives us an overview of TCNJ, their flagship programs, Undergraduate Research, what they look for in their students, Financial Aid and advice for High School Students.
Venkat Raman 1:29
Before we jump into the podcast, here are the High-Fives, Five Highlights from the podcast:
[About TCNJ]
You know, at 7000 undergraduate students TCNJ is able to quite impressively offer the kinds of personalized experiences often associated with much smaller schools.
[Flagship Programs]
One Program in particular that I'll share is our Mentored, Undergraduate Summer Experience or MUSE program. This is a competitive but special summer residential program that brings together a small student, faculty team.
[Typical TCNJ Students]
Average TCNJ student I would say is highly involved outside of the classroom in a number of different kinds of activities and projects. And so those might include, again, as I mentioned, you know, maybe some co curricular activities, be it an internship, a, let's say clinical experience.
[Merit Scholarships]
TCNJ has a competitive Merit Scholarship Program for incoming first year students that demonstrate you know, high academic potential high academic achievement. And the scholarship award amounts vary based upon a part whether a student is you know, a domestic student from New Jersey, or an out of state or international.
[Advice to Applicants]
To really show genuine interest and enthusiasm from TCNJ, for TCNJ, by doing things like you know, providing substantive responses to TCNJ's quest, Quest form.
Venkat Raman 3:36
These were the Hi5s, brought to you by College Matters. Alma Matters.
Subscribe wherever you get your podcasts.
Venkat Raman 3:47
Now, I'm sure you want to hear the entire podcast on TCNJ with Amanda.
So without further ado, over to Amanda Simpson!
Venkat Raman 3:58
Cool. So I thought we could start with, you know, why don't you tell us a little bit about your background, introduce yourself, and we can sort of go from there.
So first, thank you for having me and for, you know, giving TCNJ a platform and a chance to really showcase itself to a probably a slightly different audience than we're used to connecting with right. I think this might be our first time doing a podcast. So I'm excited. I know we're excited about this. So just for our listeners, my name is Amanda Simpson. I currently work as an admissions counselor at the College of New Jersey. In my current role, I support both international recruitment and transfer recruitment efforts. I've been at TCNJ for nearly five years, and a couple of different positions, working most often though, with international students, but my background is really, is a bit more expansive. And it includes nearly 10 years of work in higher education and a variety of different areas. Most of those being very student facing, including roles like academic advising and student life. So I, I'm most passionate, as you may have guessed from what I've shared about my background, working with students pacifically in a college setting, and so I'm really happy about the work I do at TCNJ. And again, just glad to be here with you.
Venkat Raman 5:36
How did you get into admissions and why, why this excitement for admissions?
Yes. So interesting and funny story. Very early on, I would say. I have always had an interest in, you know, working with and assisting people as they navigate through their problems and or work towards goals. But my first career interests actually when I was in high school was to become a physician. And I remember I was incredibly excited when I started my graduate career. But I realized very quickly, within my first year of college after taking some science classes that I'm much more enjoyed reading, about science in the medical field, much more than I actually wanted to be a practitioner. Okay, I realized, you know, I needed to discover, you know, how I could channel my passion and my energy. And it actually was my senior year in college where I just by chance happened to work. In the Office of Undergraduate Admissions, I got a chance to see what the lawyers did what their work involved, and I got a chance to actually shadow the vice president of admissions, who at that time, was the sole recruiter for the international recruitment arm. And I realized that the work that folks in admissions did, which really, for me as a professional feel was kind of an invisible industry right up until that point, was a great opportunity for me to fuse together my interest in working with people generally, my love for a college university setting, I am energized by all the great things that happen at a college and a university. And to be able to really bring together my passion for traveling and cross cultural learning. So ignitions has been, for me, the industry that allowed me to bring all of those interests together.
Venkat Raman 8:05
Cool, so tell us about The College of New Jersey. Tell us, tell the listeners what, what it is, and maybe a little history as well.
Sure. So The College of New Jersey or TCNJ, as most of us refer to it is a really great place a place that I am glad to be a part of. So TCNJ is considered a relatively small size, public liberal arts college. We are located in central New Jersey. And our location is actually pretty prime we are about maybe an hour by car from New York City, maybe about a half an hour by car, 45 minutes by car to Philadelphia. So we're kind of right in the middle of two major cities. But the college itself is located on a very green grassy, beautiful campus and what I would describe as a rural suburban area, so students who study at TCNJ really get access to the kind of beauty and comfort that's associated with the suburban environment, but also to the hustle and bustle and all the opportunities afforded to those who live in a city. TCNJ campus, as I mentioned, is it's home to approximately 7000 undergraduate students. So you know, at 7000 undergraduate students TCNJ is able to quite impressively offer the kinds of personalized experiences often associated with much smaller schools. So we're for small class sizes, the average class size is roughly around 24-25 Students, we have, you know, a 13 to one student to faculty ratio, so our faculty are incredibly accessible. And it's really get a chance to develop meaningful relationships with your peers, and faculty because of the small class sizes and personalization that's built into the experience. But at the same time, TCNJ offers its students the kinds of opportunities the kinds of support often associated with larger public universities. So for example, TCNJ has a very robust menu of student services, including, you know, career counseling, accessibility Resource Center for students who need accommodations, tutoring support a Center for Student Success for students who are learning how to do college, right. Messick or international research opportunities and internship experiences and so many more. TCNJ is campus itself residential, so most of our students live on campus, most of our incoming students live on campus. And I would say it's known for being a genuinely warm and welcoming place. But also TCNJ is known as an institution that offers high quality academic programs, again, personalized services, and is really committed to success.
And when I say success, I mean the success of our students. So a couple of indicators that I like to share with prospective students who are looking at colleges and in particular, TCNJ that speak to how our students find success include a couple of data points. The first TCNJ has a an incredibly high first year retention rate, no more than 95%, roughly 95% of our incoming students every year return for a second year. And that really speaks to how satisfied our incoming students feel with the institution and how much they believe that TCNJ is a right fit for them.
Amanda S 12:12
As important as it is, so the college to create a home for students and a great experience. While they're here. We also know that college as exciting as it should be as a chapter right in a student report. And so it's really important to us to help students get to the end of that chapter in a timely fashion. So to that end, TCNJ really had ranked in the top five for four year graduation rates among all colleges in the US. And that's pretty impressive, because a lot of institutions that publish and talk about their graduation rates often talk six year rate. So we really encourage students to inquire more about whether schools are sharing the four year or six year rate, but TCNJ is really committed to helping students, you know, get to graduation in a timely fashion. And then last, but certainly not least, it's important that our graduates are prepared beyond TCNJ prepared to jump to kind of a variety of career, that's graduate school, the workforce or a combination of the two. And so to that end, TCNJ has a roughly 97% job slash graduate school placement rate. And so of our graduates that our survey every year, we find that an overwhelming majority, you know, nearly all of them are either employed, and or in graduate school shortly after leaving TCNJ. And so, again, as I talked about, you know, TCNJ is commitment to success and how our students find success. There are a number of different programs and signature experiences, as we call them, that I believe really contribute to the success students find at the College of New Jersey, including things like collaboration, both between students, but also between students and faculty members. There is a heavy emphasis on real world or practical experiences. So that speaks to TCNJ's interest and investment undergraduate research, but also in helping students jump into their field experiences sooner than later. And a couple of other areas including leadership, civic engagement, community engagement, and then certainly we want our students to, you know, be prepared to engage in the world right, regardless of where they actually land. And so, you know, we're really a great institution for the student who was interested in competitive programs interested in balancing a rigorous academic low With a social and extra curricular schedule, and who really wants to be involved and contribute to the community?
Venkat Raman 15:13
What would you call out as some flagship or popular academic programs at TCNJ?
Great question. So TCNJ offers a plethora programs, we have more than 50 majors and I think more than 70, minors spread out among seven different academic school. So students are able to study and you know, the Arts and Communication, business education, STEM fields, the humanities, and then nursing Health and Exercise Science. And so in terms of, you know, going back to our records, what we're known for, we are a liberal arts institution. So it's really important to us that regardless of a student's focus their academic major, they are exposed to a variety of different disciplines and have a pretty broad and solid foundation. But I would say we're well known for all of our programs, and specifically known for the rigor of our programs throughout all of our majors. I talked a little bit about TCNJ's interest in and commitment to undergraduate research. Yeah, and that's something that I like to emphasize a lot when I'm talking to prospective college students, as what I think is most important to note is that at most colleges and universities, at least in the US, that offer opportunities to engage in research, and there are many, those kinds of opportunities are most often reserved for graduate students, right? Master's program, a doctoral program, and sometimes undergraduates who are at other institutions feel like they have to compete with graduate students for the attention of faculty to engage in research. But what is unique about TCNJ, and one of the things that we're known for, is our commitment to the undergraduate experience generally, and our investment and commitment to undergraduate research. And so we highly encourage our students across all majors. To engage in research, there are obviously some majors particularly in let's say, the sciences, that formerly integrate research into the curriculum. But we also have programs that just really try to motivate, encourage and make research accessible to all one program in particular that I'll share is our afford undergraduate summer experience or Muse program. This is a competitive but special summer residential program that brings together a small student faculty team. And much like students doing research at the graduate level TCNJ's MUSE, students work with faculty to kind of propose a research or creative collaborative project, they apply for funding for that project or for the research work. And if approved, as they are, you know, engaging in the work over the summer, the students are paid for their work much like students doing research at the graduate level. And oftentimes, you know, students have an opportunity to co publish with faculty members, or to co present at professional and academic conferences. So really a place for students, again, who are interested in rigorous academic programs, who are interested in working closely with faculty, and who have an interest in research, either because they know they want to go on to graduate school, you know, perhaps their career trajectory requires graduate level work, are they interested in diving into and contributing to the existing body of knowledge.
Venkat Raman 19:13
What fraction of the students do engage in undergraduate research? Now, you did mention that some of the courses actually integrate that into the coursework. But if you, you know, is it, you know, majority of the students end up doing some form of undergraduate research?
That's a great question. I do know a sig... I can say a significant percentage of TCNJ students engage in some form of experiential learning slash practical experiences. And within that umbrella research is a part of that. But that also includes internships and let's say practical experiences for like our nursing students and our future educators. I don't know the exact percentage of students that engage in research at TCNJ. I do know that many of our STEM majors require, at some point a research project often in like the senior year. And then our MUSE program, again, as I mentioned, which is a competitive program, but it should open and available to students regardless of their major. So I, I'm confident that a lot of our students are engaging in research throughout their time at TCNJ.
Venkat Raman 20:36
You mentioned briefly a little bit about the students that TCNJ is trying to attract. So what would you say are some of the characteristics of the TCNJ Students?
So a great, great question. So I would say TCNJ students are typically students who are interested in high academic achievement. And I say that not just as, you know, a member of the admissions team, but I also teach as an adjunct faculty member at the College of New Jersey at our writing program, first year students. And so students are really interested in doing well academically and challenging themselves academically. But our students didn't balancing their academics with social and extracurricular involvement. The average TCNJ student I would say, is highly involved outside of the classroom, and a number of different kinds of activities and projects. And so those might include, again, as I mentioned, you know, maybe some co curricular activities, be it an internship, a, let's say, clinical experience for our nursing students, or student teaching experience for our education majors. A research project, or, you know, engaging and one or more of our student clubs and organizations, we have a very active student life, in part because it's such a strong community spirit that kind of exists throughout the campus. We're residential campus, so many of our students live and learn here. And then also, there's just an interest in, you know, being engaged beyond the classroom, we have more than 250 student clubs and organizations. So there's a lot to do, or a little bit of something for everyone. So our students are really involved. I think also, the average TCNJ student is, you know, really committed and invested in the community action before TCNJ is campus culture is characterized by a strong sense of community, a strong sense of community spirit. And so students are very active on campus, but also they engage in, let's say, the local community. TCNJ has a chapter of the Bonner program, which as you may know, is a national program for service and civic leadership. So there's a strong emphasis on service there. But also, in terms of leadership as well. TCNJ really emphasizes leadership qualities and abilities. We want our students to, you know, graduate seeing themselves as leaders, and we try to encourage them to demonstrate their leadership skills while they're at the College of New Jersey. And again, that manifests in a number of ways whether that's holding, you know, a formal, let's say, leadership position as an executive board member in a student club or organization or in another capacity.
Venkat Raman 24:02
So, where do all the students come from? Roughly how, how far and wide do they come from?
Yeah, so TCNJ student body comes from or is made up, I should say, of students from a variety of different backgrounds. We are a state institution. So we do have, not surprisingly, a number of students from various parts of New Jersey Shore. In addition to that, we also have students from a variety of states outside of New Jersey within the US, you know, shooting some nearby states in the East Coast or on the East Coast, and then places you know, stretching as far as to where you are in California. And then even beyond the US, you know, our international students really come from all over probably more than 30 countries. So a pretty diverse group of students, which really contribute to a rich or rich community in a rich environment.
Venkat Raman 25:12
Let me ask you a question, which is more a sign of the times. So how has COVID-19 impacted TCNJ? And how is, how's it been doing?
A sign of the times? Indeed, right? In year two, so, yeah, TCNJ, I would say COVID-19 has impacted TCNJ, I think in some ways that you might expect, and perhaps in some ways that it's impacted probably just about every other college or university. And that, you know, TCNJ, as, as committed as it is to the health and safety of the campus has responded in such a way that it's put in a number of safety measures directly in response to COVID-19. And those include, you know, vaccination requirements for students, faculty, and staff, access to vaccines. So, you know, hosting vaccine vaccination clinics, is making tech vaccine COVID-19 testing available and accessible, you know, masking, social distancing, making sure that there are hand sanitizing stations throughout campus, etc. So some of the kind of typical things, check to see at many places now, but I think one of the more significant ways in which has impacted TCNJ specifically is that since the pandemic started, and certainly in response to the pandemic TCNJ, as an institution has engaged technology much more, it has used ology much more. And I would say this has been felt, you know, throughout the entire campus. So in the Office of Admissions, for example, you know, it was in response to the pandemic, that we started to host virtual admissions presentations and webinars, thereby making TCNJ accessible to folks beyond New Jersey and our region. I know that TCNJ hosted in still makes available virtual advising and virtual tutoring sessions for students who want in need, you know, academic, and a course selection support, of course, online learning and hybrid teaching, etc. And I would say that, as we have engaged with technology more which marks has marked a transition for TCNJ. It For Me really has kind of affirmed our ability to pivot to it's certainly been an opportunity to exercise our resiliency muscles, if I could call it that. And it really showed out the strength of our community spirit. Because, you know, again, TCNJ is a place where people really enjoy being here, one of the things I forgot to mention about, you know, who our students are, in addition to academics, and what they do is that they really are nice people, they really are students who are concerned and care about each other and about the campus and the community. And that's also true of faculty and staff, and so that we have been able to maintain the strength of our our community spirit throughout this transition, in this time, I think just really speaks to our resiliency.
Venkat Raman 28:49
Now, how has that, How has COVID, I mean and the, all the experiences that went with it, How has that changed, if any, in terms of college applications, applications to TCNJ? In your own internal processes? Has there been any impact or change to that? Other than of course, you mentioned virtual, I understand the process, but I'm just saying, Are you looking for anything different than you did before?
Great, great question. So TCNJ is now test optional. So SAT and ACT test are no longer a requirement for most of our major most of our programs. And although the College of New Jersey, had been strongly considering going test optional, you know, well in advance of the pandemic, the pandemic just kind of catapulted us into that space. And so we are right now test optional through fall of 2023. And what I would say that means For prospective students, students who are interested in applying to TCNJ, and really for our office, you know, as we process and review applications is that, you know, while we have always taken a holistic approach to reviewing missions, looking not just at a student's, you know, academic potential via their record, but other aspects of the application, you know, one of the things that has become increasingly important to TCNJ is a student's demonstration of their interest and enthusiasm for the college. And so, if there's a piece of advice that I could give to students who are interested in TCNJ, who are considering applying to TCNJ, especially now, especially while we're in this test, optional phase is that in addition to, you know, putting your best self forward, and you know, your personal essay, doing well, in your studies, trying to obtain, you know, strong letters of recommendation to really show genuine interest and enthusiasm from TCNJ for TCNJ. By doing things like, you know, providing substantive responses to TCNJ's quest Quest form, that's an optional part of the application process, providing thoughtful, detailed and research responses to the why TCNJ application question, we really take those responses into consideration, we actually review the information shared, you know, by our applicants, and that helps us get a sense of how interested as student as in TCNJ. And that means a lot to us, because as I showed earlier, you know, TCNJ, is known for, you know, bringing students on board welcoming students into the college who realize that, that this is the right place for them, this is there, this is a good fit, right. And that's part by the retention rate. And so really getting a chance to see throughout the application process, the interest that a student might illustrate for the college, by maybe doing a virtual presentation, maybe by connecting with one of our counselor, through a you can book me appointment, and certainly by, you know, taking time to provide meaningful and thoughtful responses on the quest and why TCNJ really gauge a student's interest in the college.
Venkat Raman 32:42
So you've gotten a whole bunch of high schoolers excited now. What, what would you what would your advice to them be? And also, do you have, you know, financial assistance and aid programs that you can talk about?
Yes, absolutely. And great questions. So to be clear, you know, college is a major investment. And it's an excellent investment, right, because you are investing in yourself. And really, in your your future in your career. And so one of the things that is important, and this is a part of the advice that I would give to students is to really, you know, sit down and talk with their families and have a conversation about their financial resources, and what kind of investment they are able and willing to make. And so certainly a part of their research includes finding out information about what scholarship opportunities are available at various schools. And so at the College of New Jersey, we are very happy and fortunate that we can offer, you know, a variety of different kinds of institutional aid. So TCNJ has a competitive Merit Scholarship Program for incoming first year students that demonstrate you know, high academic potential high academic achievement, and the scholarship award amounts vary based upon apart whether a student is you know, a domestic student from New Jersey, or an out of state or international student, but generally award amounts range from anywhere from $2,000 up to about $12,000 per year off of tuition. So a pretty, you know, nice buy new for from the college. And the nice thing I would say about TCNJ's Merit Scholarship Award Program is that all first year applicants who apply to the College of New Jersey are automatically considered For those awards simply by completing an application, so there's no you know, separate scholarship, essay questions they have to submit. There's no interview, which is sometimes the case at other schools, there's an automatic consideration. But then I would also say for students to explore other resources right beyond what the institution can offer. So if you are, you know, a US citizen or permanent resident, certainly exploring federal and or state financial aid opportunities, regardless of whether you are a domestic or international student, certainly exploring external or private scholarship opportunities, and our Office of Financial Aid, maintains a web pages to kind of recommend some of those opportunities for students to explore. So that's my advice, kind of on the financial piece.
I know we know my colleagues in admissions, we understand that the college search and college application process typically can feel perhaps overwhelming. Maybe even a bit nerve racking, you know, there are, I believe nearly 5000 colleges and universities to choose from in the US alone, let alone the world, right, if you're thinking broadly, so there's a lot of options, there's a lot to consider, and it's a big investment. So my advice really is to in addition to just doing research, generally, to remember, I would say that college admissions professionals and officers, we are human people, and I can I can attest to that firsthand at The College of New Jersey, you know, we enjoy engaging with students, we enjoy helping students navigate this process. And so just really leaning into all of the resources and opportunities that let's say an Admissions Office specifically makes available, or a college has available broadly for students to learn more about, which might include, you know, connecting with one of our faculty members to learn about a particular academic program, or learn out one or more, you know, student support services, realizing that we are people on the other side of the process, right, the college admissions counselors, the faculty that you will eventually be working with in the classroom where people were human, we are here to assist you, and specifically for admissions professionals, you know, this is our job, and this is what we enjoy doing. And so to not feel hesitant about reaching out to us and just trying to engage as much as possible so that, you know, ultimately, as a student, you make a confident decision, when you decide to call x University, your home, whether that's TCNJ or somewhere else.
Venkat Raman 38:16
You know, as we wind down here, any closing thoughts, anything else you want to tell High school students all over?
I would probably in closing, I would just say, try as much as possible to enjoy this time in your life, to enjoy your high school years and try to find some joy and excitement in the college search process. You know, there will never be a time like this again. I'm sure you know, I'm preaching to the choir, I'm sure that that kind of device, you know, students have heard that are hearing that from their parents, guardians, family members, teachers everywhere, but to really just be fully present, you know, in in their in the moment and where they are in their lives and to hopefully carry that forward into their college career then the next step in their journey.
Venkat Raman 39:25
Fantastic. So Amanda, I thank you so much for coming on and talking about TCNJ and as delightful conversation and great thoughts. So I hope the high schoolers out there pay heed to that and you know, take the next step. And I'm sure I want to talk to you more but for right now, take care be safe. I'll talk to you soon.
Amanda S 39:51
Likewise, thank you so much for having me again, take care.
Venkat Raman 39:54
Venkat 39:55
Hi again!
Hope you enjoyed this podcast with Amanda Simpson, Admissions Counselor at TCNJ.
Amanda gave us a great overview of TCNJ, their flagship programs, support for undergraduate research, COVID Impact, Merit Scholarships and what they look for in their students.
Hope you explore TCNJ as a place to pursue your college study.
For questions or comments on this podcast, please email podcast at almamatters.io [firstname.lastname@example.com].
Thank you all so much for listening to our podcast today.
Transcripts for this podcast and previous podcasts are on almamatters.io forward slash podcasts [almamatters.io/podcasts].
To stay connected with us, Subscribe to Apple Podcasts, Google Podcasts or Spotify or visit anchor.fm forward slash almamatters [anchor.fm/almamatters] to check us out.
Till we meet again, take care and be safe.
Thank you!
Summary Keywords
University of Wisconsin Madison, Admissions, SAT, International Students, Pandemic, COVID-19, Wisconsin Idea


text:
Randall Kanna
1/ It's interesting to look at career strategy applied through the lens of risk. Most people think about financial… https://t.co/Wt0QaBFNcp
Erik Torenberg
7th May
Here's a list of resources for developers who want to crush the technical interview. Thread
21st May
Breaking into PMing - a 🧵 // A question folks from eng/design/other functions often have how to become a PM in a te… https://t.co/qbuIRUTOdY
Sriram Krishnan
8th Jun

subset: commoncrawl


text:
There have been four industrial revolutions, the fourth being the latest one. While IoT, AI, etc., are all techs contributing to this, another technology brings the true revolution.
Enter - Digital Twins.
From how we manufacture goods to how we manage our health and even how we plan and run our cities, digital twins are pushing the boundaries of what's possible. To get a better idea of the market demand for digital twins, take a look at the given graph.
Source: Global digital twin market by industry 2025 | Statista
As the saying goes - Numbers don't lie. And numbers of digital twins show that the future is bright for tech. All the more reason for you to consider implementing them.
In this guide, we'll delve into what digital twins are, how they're being used right now, what they promise for the future, and more.
Let's get started.


text:
German harmonised inflation +11.6% y/y in October
BERLIN (Reuters) - Germany's consumer prices, harmonised to compare with other European countries, were 11.6% higher year-on-year in October, the Federal Statistical Office said on Friday, confirming preliminary figures.
On a non-harmonised basis, consumer price inflation was also confirmed at 10.4%.
The office offers more detailed economic data on its website.
(Writing by Miranda Murray, editing by Rachel More)


text:
Qualified Launches New Solutions To Assist With Real-Time Conversations
- Written by Michael Rodriguez
- Published in News Briefs
Qualified, a conversational sales and marketing software provider, unveiled two new solutions designed to help users drive more conversations with key accounts by engaging them as they enter the users' website.
Qualified For Outbound is designed to assist sales teams with real-time website engagement, allowing sales reps to be notified when a prospect enters the website and start a conversation immediately for timely responses. The solution also integrates with sales engagement platforms such as Outreach to enhance their effectiveness, increasing the number of sales conversations and driving future pipeline within a user's existing tech stack.
"What excites me most about the state of our company is the nonstop pace of innovation," said Kraig Swensrud, Founder and CEO of Qualified, in a statement. "These two ground-breaking products will help our customers take their conversational program to new heights, and we're just getting started."
This announcement comes off the heels of Qualified's recent Series B funding round, where the company secured $51 million for product innovation. This funding has fueled not only the creation of the two new solutions but will also help Qualified continue innovating on its platform and other future products.


text:
Crystal Noodles Soup Spicy Tofu, 2.19 oz (Pack of 6)
Crystal Noodles Soup Spicy Tofu, 2.19 oz (Pack of 6)
- Original Crystal Noodle Soup "Spicy Tofu" will be sure to do just that. Inspired by traditional Szechuan recipes, this bold soup will be sure to satisfy your craving for authentic Asian spice.
- Abundant amounts of silky tofu delicately balance the hearty broth. The unique clear bean thread noodles are never fried and have much less calories than fried noodles.
- You can now enjoy the authentic flavor of Asian slow cooking whenever, wherever you like.
The Newest and Rarest Selection
The Newest and Rarest Selection
We're so excited for you to receive your order! Our wholesale exotic snacks are delicious and may take some time to arrive.
Just a heads up – our fulfillment team begins working on your order as soon as it's placed, so once an order is placed we can't cancel or make changes.
Here's what to expect:
- You'll get a shipping confirmation email as soon as your order leaves our warehouse.
- You can expect your order to ship within 7-20 business days
- Once shipped, you can expect to receive your order within 1-10 business days. It could be longer depending on how many orders we have, and distance.
- You'll be able to track your order via an email sent to the same email address used to place your order.
Other things to note:
- If your order includes more than 3 boxes or is a bundle your entire order may arrive in more than 1 shipment. If there are multiple packages to your order some may arrive before others
- We only fulfill orders from our warehouse Monday-Friday, excluding holidays.
Feel free to send us an email f you have questions.
Rare Candy Canada Candy Store and Wholesaler SHIPS Canada , USA & Worldwide 🇺🇸 🇨🇦 🌐
Choose From FREE Shipping with Minimum of $120
How Do I Place a Wholesale Order and See Your Latest Products ?
How Do I Place a Wholesale Order and See Your Latest Products ?
Order Online
Do I Need an Account, or is there any Minimum ?
Do I Need an Account, or is there any Minimum ?
No Accounts are needed, Optional Account can be created
Rare Candy Canada
Looking for Exotic Rare Wholesale Confectionary , Snacks Drinks, ? Order Online Today
Take Advantage of Our Massive Bulk Buying Power, Your Win, is Our Win, Your Joy Our Happiness
Contact Us Today!
We Can Import Almost Any Item 24/7 From USA FAST, Import/Export & Distribtion Confectionary, Rare snacks, Drinks, Chocolate, Chips, Etc
Find out why Thousands of Cutomers are Winning With Rare Candy Canada
Free Shipping over $120 For all Orders and Wholesale in Canada
We Have the LOWEST FREE Shipping Minimums In canada as a Wholesaler on Any Items. That's Legendary Low Savings !That's Our Promise
Processing Time for Orders is Approx 15-20 Days- We Thank You For Your Support - During This Busy Holiday Season
Canadas Largest Selection of IMPORTED Exotic Candy, Snacks, Drinks & More
Start Saving With Rare Candy Canada Today !
Earn More Resale Profits
All of Our Wholesale Products are Guarnteed to Earn You a Profit
We Are the Largest Importer in Canada for Exotic Candy, Snacks, Chips Beverages, Chocolates and More.
Our Massive Warehouse in USA and Fleet of Trucks can Deliver what you need at Scale.
Our Clients include the most Reputable Franchises and Brands in Canada, EVERYONE ORDERS FROM RARE CANDY CANADA.
We Are EXPERT Distributors, Importers & Exporters Worldwide.


text:
Toft Funeral Home and Crematory
2001 Columbus Ave
Sandusky, OH 44870
Phone: 419-625-8816
Website: http://www.toftfh.com
View All Obituaries from Toft Funeral Home and Crematory
Roseann M. Kurilic, Sandusky, passed away, April 17, 2022.
Wife, mother, and friend to so many had a heart of gold! Over the course of her life she spread a truly amazing amount joy and love throughout the world, as virtually anyone who knew her will attest. She lived a long and full life filled with adventures and accomplishments. As all of us do, she had her sorrows, but she never let them stop her from being loving and happy. She was quick to forgive and slow to anger. Her loyalty and her bravery in the face of life's trials were inspiring! A more giving and generous person you could never find. She will be deeply missed and remembered with profound and eternal love.
Son, Andrew.
A Mass of Christian Burial will take place on Friday, April 22, 2022, at 10 A.M. in Holy Angels Catholic Church, 1605 W. Jefferson St., Sandusky. A committal service will take place following the mass at Calvary Cemetery.
Toft Funeral Home & Crematory, 2001 Columbus Ave. Sandusky is handling the arrangements.
Condolences may be made to the family by visiting toftfuneralhome.com


text:
i love to spend money. i dont know what it is but i just love buying food and random stuff that makes me happy. especially when its all on my debit card. there's just something about inserting that frickin chip!
but recently i put together a list of my monthly purchases and MY GOD. i was spending about 80% of my paychecks a month on useless crap... and mind you i have absolutely no bills. now some of those things were definitely good purchases. i splurged on several really awesome tattoos, a new bong, and some cute heels from Ego. but did i really need pad thai every over damn night for a month??
probably not.
it's really important to start saving at a young age. the earlier you start, the better off you are. it can be so difficult to do this. i've literally been working since i was sixteen and have JUST NOW started saving. literally just now. even though its annoying to work so much, i do it because i want to have money and spend it on things i like and want. but i could make that work go a long way if i just saved some of that and didn't use it for frickin iced dirty chais during every work shift. i know people my age who have saved enough for a car, for apartments, for school. it's like crazy that i haven't gotten my shit together with this yet. but it's never too late to start.
i needed to make some changes asap. so one night while i was hanging out with my best friend and accountant student, Missy, she helped me put together a monthly budget.
i started by calculating the average amount i get paid every two weeks. double that and you have you're monthly pay. then, i put together a list of things i purchase every month: gas (about 2 tanks a mo), food, coffee, cigarettes (about 2-3 packs a week).
add up the monthly costs and you have your monthly budget. Missy told me that in order to calculate how much you should spend on food you should calculate your total monthly bills and then put 20% aside for your food budget. with the coffee budget i decided i would load a prepaid starbucks card every month. like $40 or something so that i manage how much i spend a month on coffee AND i can start getting those rewardsss.
when you receive you're biweekly paycheck, put a percentage aside into your savings account. Missy advised that since i had no actual bills for the time being, i could probably afford to put a higher percentage in each month. we settled on 40% but typically anywhere from 20-30% is a good place to start. before i started saving, i tried to simply hold all money in my checking account. the thing is, when i have access to those funds it can be a lot harder to manage my actual spending. this way, the 40% will remain untouched in the account– outta sight, outta mind.
the money in my checking account is enough for my biweekly budget and includes extra money that i've earned that week. i can use that on extra purchases like clothes, makeup, alcohol... and other stuff i might want.
i'm hoping to save several thousand by the time i go back to school in the fall. it's going to be hard work but i know that with dedication and making positive changes that i can definitely do it. what more advice on saving money? let me know in the comments if you'd like a collab with Missy on other money saving hacks, tips, and tricks.


text:
Digital Asset Holdings Acqui-Hires Smart Contract Startup
Digital Asset Holdings has acquired Swiss FinTech startup Elevence to build out a system of smart contracts designed to preserve privacy.
Digital Asset Holdings has announced that it has acquired the assets and senior leadership of a Zurich-based technology startup.
Elevence CEO Vincent Peikert will lead Digital Asset's Switzerland office, and serve as head of product for Europe. Further, James Litsios, Elevence's CTO, will serve as head of development in Switzerland. The terms of the acqui-hire were not disclosed.
In the statement posted to Digital Asset's website, CEO Blythe Masters described how she sees Elevence's eight-person team fitting into the company.
Masters said:
Privacy focus
Founded in 2015, Zürich-based Elevence has been working to write a coding language specifically designed to model and execute financial agreements using a distributed ledger, while at the same time giving parties involved more control over who can see the information provided.
According to the announcement, Elevence has developed a modeling language to express "any right or obligation", including cash, securities and derivatives. The company's code defines the considerations between parties to determine how contractual relations might change over time.
"This provides relevant parties with a unified view of current and future rights and obligations on a need-to-know basis, rather than revealing confidential information as in smart contract systems," Digital Asset explained.
Blockchain or distributed ledger?
Today's announcement also provided more evidence of what increasingly looks like an industry-wide shift away from the term "blockchain" to the term "distributed ledger".
Earlier this month, banking consortium R3CEV announced its own distributed ledger platform, dubbed 'Corda', which the company described as being built from the ground up with user privacy in mind. At the time, R3 sought to distinguish its new platform from blockchain, the distributed database that underlies bitcoin and other digital currencies.
Similarly, today's formal announcement continued the company's tendency to make no mention of the word "blockchain," but described the technology as a "distributed ledger" on five separate occasions.
Image via Shutterstock


text:
Upper Sorbian (hornjoserbšćina, German: Obersorbisch) is a minority language spoken by Sorbs in Germany in the historical province of Upper Lusatia (Hornja Łužica in Sorbian), which is today part of Saxony. It is grouped in the West Slavic language branch, together with Lower Sorbian, Czech, Polish, Slovak and Kashubian.
The history of the Upper Sorbian language in Germany began with the Slavic migrations during the 6th century AD. Beginning in the 12th century, there was a massive influx of rural Germanic settlers from Flanders, Saxony, Thuringia and Franconia. The succeeding devastation of the country by military actions began the slow decrease of the Upper Sorbian language. In addition, in the Saxony region, the Sorbian language was legally subordinated to the German language. Language prohibitions were later added: In 1293, the Sorbian language was forbidden in Berne castle before the courts; in 1327 it was forbidden in Zwickau and Leipzig, and from 1424 on it was forbidden in Meissen. Further, there was the condition in many guilds of the cities of the area to accept only members of German-language origin.


text:
G-Flex™ is The Gund Company's brand of flexible insulation products. G-Flex™ product line includes meta-aramid paper, flexible laminates (i.e., DMD, NMN), wire sleeving, felts, cordage and surge ropes, and insulating tapes. The Gund Company has used its broad engineering and application knowledge along with extensive testing and global relationships to bring our customers the G-Flex™ products. G-Flex is your low-cost alternative to Nomex®.
The G-Flex™ is used in a variety of electrical applications. Some specific examples are transformer coil layer insulation, motor slot insulation, lead wire protection, insulation barriers, and numerous other applications.
G-Flex™ Markets
- Transformers
- Core insulation
- Layer insulation
- Conductor insulation
- Intra coil phase barriers
- Cross over pad insulation
- Lead insulation
- Wire insulation sleeving
- Motors & Generators
- Slot liners
- Turn insulation
- Wire wraps
- Phase insulation
- Wire insulation sleeving
- Coil bindings
- Electronics & Switchgears
- Arc chutes
- PCB liners
- Battery liners
- Flexible barriers
G-Flex™ Products
Meta-Aramid Paper with Metastar
G-Flex™ YT510 meta-aramid paper is manufactured from 100% aramid fibers. It carries a Temperature Index (TI) of 210°C, a VTM-O Flame Rating, and full UL approval (File #: E521153). This paper offers high inherent dielectric strength, mechanical toughness, flexibility, and resilience. Applications for G-Flex™ include stator slot liners, phase insulations, coil wrap, conductor wrap, and other insulation applications for the electrical industry.
G-Flex™ Meta-Aramid Paper Benefits
- Heat Resistance: G-Flex™ YT510 meta-aramid paper has long-lasting thermal stability. It can be used for many hours at high temperatures while maintaining excellent dimensional stability. It will not embrittle, soften or melt when it is exposed temporarily at high temperatures of 300℃.
- Flame Resistance: It is inherently flame resistant. It does not self burn or melt in the room air, no combustion-supporting, and has the property of self- extinguishing.
- Electrical Insulation: The meta-aramid fiber has very good electrical insulation properties. The dielectric strength of meta-aramid paper more than 20kv/mm.
- Chemical Stability: Meta-aramid fiber has a very stable chemical structure. It is resistant to most strong inorganic acid and to alkalis at room temperature.
- Recognized by Underwriters Laboratories (UL) as a 210°C insulation.
- Sold directly from The Gund Company and readily available in 7 locations in 4 countries.
- G-Flex™ meta-aramid paper from The Gund Company is a UL certified product: File # E521153
- Excellent Dielectric Breakdown strength
- Additional thicknesses are available upon request.
More G-Flex™ Products To Come!
Source: G-Flex - Lower cost alternative to Nomex® (thegundcompany.com)


text:
How has the CBD market been transformed by Tech? In a short period, CBD has managed to grab a lot of attention from the consumer market. The businesses and the buyers can not get enough of the compound. Be it fast-moving consumer goods like snacks and edibles or alternative medicines.
For a product to become a success, it requires multiple forces to contribute to the overall equation. In today's time, the product itself cannot create a surge unless backed by a driven technology that differentiates and makes it scalable. Perhaps, the fast-paced market demands a suitable approach to harvest desired growth.
Let us find out how technology is shaping up the present-day CBD market.
1. Contribution to Product Development
Ever since the identification and segregation of CBD particles in the 1940s, it has been under medicinal scientists' radar. Frequently, there have been groundbreaking discoveries regarding CBD's potential use in various physical and mental ailments. The product has gradually evolved, and so does the way we use it. Goodbye to the traditional partaking CBD oil method, now you can choose far more discreet ways of adding CBD oil to your routine.
Whether it is a quick spray on the tongue or transdermal patches, these alternatives offer user-friendly versions as technology advances. Along with other variables like tinctures, oil, topicals, users can also buy pure CBD vape juice to enjoy the vaping experience while on the go.
Essentially, CBD is available in oil form, yet technology has made it possible for it to be more water-friendly. The technology is in the initial phases, but its scope in advancing the compound's bioavailability can be hugely beneficial to the industry. Moreover, CBD's nanoencapsulation will bring a host of CBD products, including beverages in the CBD market. Companies are now offering differentiated products to serve micro-niche markets such as fitness and yogic practices. Now one can choose custom solutions to suit the health and wellness needs.
2. Opening Avenues to Result-driven Marketing
Conventional marketing strategies never seem to fit the CBD market / industry due to the unique nature of the product. Also, the differences in regulations from one state to another leave marketers in ambiguity on whether to spend resources on print media advertising or not.
However, digital marketing offers an optimum solution as it can create greater awareness within a limited budget. Direct advertising, both online and offline, can be restricted, but social media has magnified the scope by providing opportunities like influencer marketing.
Word of mouth seems to work great in the past. The presence of dedicated forums and blog sites is attracting the masses of consumers and boosting sales. Affiliate marketing can offer an excellent conversion rate for a minimum expense, as bloggers introduce CBD products to their audiences for designated fees or percentage return in profits. The online CBD marketing arena is untapped, profit-centric, and targeted for any CBD business who is willing to play by its rules.
3. Improved Methods of Procurement
Apart from offering advanced end products to the consumer, technology has also simplified a manufacturer's process. The introduction to the LED lighting system in cannabis cultivation has been profiting. It has subsequently brought down the upfront and operational cost of the input, thus bringing down the entire production cost. Also, now there are precise methods of extraction and separation of the compounds from a cannabis plant.
It is now easier to retain the useful terpenes and minerals in it, which helps it meet the emerging demands of full-spectrum oil. Extraction techniques are now sophisticated and free of radiation, which offers nutritious oils free from deformities. With present-day technology, CBD products are far more superior in quality flourishing in oral supplementation and cosmetology.
4. Scope of Data Mining in the CBD market
Primary research on CBD's potential uses has created a stir in the CBD market, and yet there is much scope for substantial studies to quantify these claims. Data mining can be resourceful in opening the doors to a deeper understanding of CBD's interaction on the human endocannabinoid system. CBD for pain is widely searched due to its innumerable benefits for pain relief. Many practitioners now supplement CBD, along with psychotherapy and medication in treating mental disorders and psychosis.
Data gathered from various medical centers and patient records can be useful in setting parameters such as effectiveness, tolerance, bio-availability, and CBD interference with other compounds. Gladly, investors and businesses are taking a keen interest in the CBD industry, which essentially creates an influx of resources.
The Bottom Line
Technology has simplified the separation and extraction of methods of CBD. The medical advancement has given way to alternative uses of the CBD. The Internet has played a role in spreading awareness and making products more accessible.
It is great to witness how technology is reshaping the industry. However, there are many more things you need to consider while moving in the business direction. The CBD industry is bound to flourish with considerable innovation, considering the scope of the CBD market. All four technological ways mentioned above will help you transform your CBD business.
What are your thoughts on the CBD market transformation? Leave a comment below and tell me what you think.
Watch this space for updates in the Opinion category on Running Wolf's Rant.
To stay in the loop, subscribe to our Newsletter.
Alternatively, feel free to check out our Featured Posts or scroll down to view posts related to this one.
If you live in South Africa and you're looking for a live music gig or music festival to attend, feel free to check The SA Gig Guide on our sister site (SA Music Zone).
You're also welcome to feed your brain some knowledge on our other sister site, (Interesting Facts).


text:
Express FP 5-VL5 HB
This page contains information on Express FP 5-VL5 HB for veterinary use.The information provided typically includes the following:
- Express FP 5-VL5 HB Indications
- Warnings and cautions for Express FP 5-VL5 HB
- Direction and dosage information for Express FP 5-VL5 HB
Express FP 5-VL5 HB
This treatment applies to the following species:Bovine Rhinotracheitis-Virus Diarrhea-Parainfluenza 3-Respiratory Syncytial Virus Vaccine
Modified Live Virus
Campylobacter Fetus-Leptospira Canicola-Grippotyphosa-Hardjo-Icterohaemorrhagiae-Pomona Bacterin
Express FP 5-VL5 HB Indications
This product has been shown to be effective for the vaccination of healthy cattle, including pregnant cows, against reproductive and respiratory disease due to infectious bovine rhinotracheitis (IBR) and bovine virus diarrhea types 1 and 2 (BVD1 & BVD2); against respiratory disease due to parainfluenza 3 (PI3) and bovine respiratory syncytial virus (BRSV); against reproductive disease due to Campylobacter fetus var. venerealis; and against Leptospira canicola, L. grippotyphosa, L. hardjo, L. icterohaemorrhagiae, and L. pomona. This product was licensed prior to the requirement to establish a minimum age for use. The duration of immunity against IBR-induced abortion and against BVD1b & BVD2, including persistently infected calves, is at least 12 months. The duration for the remaining organisms has not been determined. For more information regarding efficacy and safety data, go to productdata.aphis.usda.gov.
This product has also been shown to be effective against abortion due to IBR; against persistently infected calves due to BVD1b & BVD2; against infertility, delayed conception, or abortion due to C. fetus var. venerealis; and against urinary shedding of L. borgpetersenii serovar hardjo (type hardjo-bovis). Vaccinated animals subsequently exposed to L. borgpetersenii serovar hardjo (type hardjo-bovis) have been shown to clear renal infections within 8 weeks of exposure. This vaccine may be used in pregnant cows or calves nursing pregnant cows provided the cows were vaccinated pre-breeding, according to label instructions, with any Express® FP vaccine within the past 12 months.
The amber glass vial contains IBR, BVD1 (Singer 1a cytopathic), BVD2 (296 cytopathic), PI3, and BRSV modified live viruses (MLV). The plastic vial contains C. fetus and the Leptospira organisms listed, in an adjuvant system. Neomycin and thimerosal added as preservatives.Directions and dosage: Mix the accompanying bottle of diluent. Rehydrate the vaccine by aseptically adding the diluent to the vaccine vial. Mix well and use immediately. Using aseptic technique, inject 2 mL subcutaneously or intramuscularly. For cows or heifers, vaccinate at or about 4 weeks prior to breeding. If using subcutaneous route, inject in front of the shoulder and midway of the neck, away from the suprascapular lymph node. If initial vaccination, repeat with any Express® vaccine containing C. fetus, Leptospira and BRSV MLV in 14 to 28 days. Contact your veterinarian or the manufacturer for information on revaccination frequency.
Store out of direct sunlight at 35-46°F (2-8°C). Do not freeze. Do not mix with other products, except as specified on the label. Use entire contents when first opened. Do not vaccinate within 21 days before slaughter. Injection site swelling may occur. Stressed cattle should not be vaccinated. In case of anaphylactoid reaction, administer epinephrine. In case of human exposure, contact a physician. Inactivate unused contents before disposal.Fetal health risks associated with vaccination of pregnant animals with this vaccine cannot be unequivocally determined by clinical trials conducted for licensure. Appropriate strategies to address the risks associated with vaccine use in pregnant animals should be discussed with a veterinarian.
No vaccine can be expected to have 100% efficacy under all conditions. A small number of calves persistently infected with BVD may have a devastating effect on herd health.
Note: It is possible that healthy-appearing cattle can be persistently infected with or incubating virulent BVD virus at the time of vaccination. In view of these findings and suggested causes, BVD vaccine is contraindicated in persistently infected cattle and use should be limited only to healthy, immunocompetent, unstressed cattle.
Express® is a registered trademark of Boehringer Ingelheim Animal Health USA Inc.
Boehringer Ingelheim Animal Health USA Inc., St. Joseph, MO 64506
Phone: 1 (888) 637-4251
10 Doses/Rehydrate with 20 mL |
This package contains one 10 dose vial of MLV vaccine and one 20 mL vial of diluent. |
128501-05 |
50 Doses/Rehydrate with 100 mL |
This package contains one 50 dose vial of MLV vaccine and one 100 mL vial of diluent. |
128502-05 |
Telephone: | 800-325-9167 | |
Customer Service: | 888-637-4251 | |
Technical Service: | 888-637-4251 | |
Fax: | 816-236-2717 | |
Website: | www.boehringer-ingelheim.com |
THIS SERVICE AND DATA ARE PROVIDED "AS IS". DVMetrics assumes no liability, and each user assumes full risk, responsibility, and liability, related to its use of the DVMetrics service and data. See the Terms of Use for further details. |
Copyright © 2024 Animalytix LLC. Updated: 2024-02-27


text:
The price of Affordable Care Act (ACA) insurance in Texas is not fixed, as it varies depending on the insurance company. Typically, your insurance company decides the cost of the ACA coverage they offer. The cost is determined based on six factors including your age, income, family size, location, tobacco use, and plan category.
While the monthly cost of ACA in Texas varies, below is the common premium range for each plan (excluding premium plans) in the state*:
*Figures represent individual plans and do not include possible discounts from subsidies.
Speak to a licensed insurance agent in Texas to get all the up-to-date information about ACA insurance in Texas.
The cost of ACA insurance in Texas varies depending on your age, income, family size, location, tobacco use, and the amount of coverage offered by the chosen plan. Also, depending on your income, the ACA may provide you with premium tax credits and cost-sharing reduction benefits to make the coverage more affordable. Without these benefits, an average typical single Texas bronze plan premium is $350, a silver plan premium is around $450, and gold is $540 per month.
The application of the subsidies that ACA provides can reduce the cost of your premium significantly. There are even healthcare plans with $0 monthly premiums after the cost benefits of ACA kick in.
With that in mind, the plans are usually compared to each other by their Maximum out-of-pocket amounts , which is the real cost of this coverage, if you need to use health insurance for an emergency or to get an expensive treatment. Check out ACA plans and their corresponding prices based on your specific location and reach out to a state-licensed health insurance agent, to get their professional advice on what coverage is best for your specific needs.
Typically, you can make four types of payments when enrolling in an ACA-compliant health insurance plan:
Premium: ACA Premium is the money you pay to the insurance company every month for providing you insurance coverage. Six main factors determine the cost of ACA insurance premium: your age, income, family size, location, tobacco use, and plan category.
First, your age is an important factor in determining your premium rate. Insurers usually charge older people higher premiums, however, ACA insurers cannot charge premiums for older persons more than three times higher than for young persons.
Second, your place of residence also plays a key role with premium rates. Some cities have higher living and medical costs than others, driving the overall health insurance costs up.
Furthermore, your income and family size are the most interdependent factors. Usually, an insurance company charges higher premiums for a health plan covering more than one person.
The ACA offers various cost benefits to individuals and families in the form of premium subsidies and cost-sharing reductions. A subsidy is in effect a discount that gets applied to the full price of the ACA plan purchased on the marketplace if your income is between 100 and 400 percent of the federal poverty line (FPL).
(In 2022 ACA expanded the coverage and subsidies to some other groups of people. Reach out to a licensed health insurance agent to find out if you may be eligible to get a discounted plan on the health marketplace.)
In order to understand how subsidies work on the Texas ACA health insurance marketplace, it is important to see how ACA spans across group and individual health insurance and where all the numbers connect:
All employer group health insurance plans must meet the requirements of the ACA level of coverage, therefore all employer-sponsored healthcare is ACA-compliant. This means that the type of coverage and benefits you get from an employer health insurance is on the same level as you would get from the Texas individual health marketplace.
Every year the Internal Revenue Service (IRS) publishes an Affordability Threshold (AT). The affordability threshold is a percentage of the income amount listed as the federal poverty level (FPL) for that year. This amount is considered by the ACA as affordable for an employee to pay as their portion of an employer-sponsored health insurance plan. This amount establishes the benchmark plan for each individual, which is also referred to as the second-lowest-cost Silver plan (SLCSP). SLCSP is tied to a specific price. The insured is given an option to get SLCSP, one plan for even less, and multiple others priced higher.
(Affordability Threshold multiplied by Federal Poverty Level) divided by 12 months
This means that in 2021, with an FPL of $12,880 and the affordability threshold of 9.83%, a single person Silver level plan offered through an employer in Texas was available for not more than $105.50.
($12,880 x 9.83%) / 12 = $105.50
If the lowest pay in the company allowed, the contribution from the employee could be raised above $105.50, as long as it was not more than 9.83% of their salary. In addition to this affordable benchmark Silver plan, an employer may have offered a whole variety of custom health insurance plans, which are all optional and custom-priced.. All of them are the variations of the ACA-compliant plan.
Besides getting ACA coverage through work, ACA insurance can be also purchased by individuals on the Texas individual health marketplace and through various portals offered by insurance agents and agencies. This combination of sources functions as an alternative way for Texans to get health coverage if one was not offered at the place of employment. While different, the calculations of the subsidies are based on the same sources as explained above.
For the private health market, the affordability is calculated using the modified adjusted gross income (MAGI), the federal poverty level (FPL), and the Multiplier according to where you fall within the 100-400% FPL scale.
A key change instituted for ACA plans in 2022 was the expansion of the $0 coverage to include the people in a 100-150% FPL: Anyone above 150% FPL paid no more than 8.5% of their MAGI to get the benchmark Silver plan.
% of FPL for 1 person | 100% | 150% | 200% | 250% | 300% | 350% | 400% |
Multiplier | 0% | 0% | 2% | 4% | 6% | 7.25% | 8.5% |
Max. annual contribution | $0 | $0 | $515.20 | $1,288 | $2,318.40 | $3,268.30 | $4,379.20 |
Max. monthly contribution | $0 | $0 | $42.93 | $107.33 | $193.20 | $272.36 | $364.93 |
Additionally, as of 2022 Texas no longer deferred to the federal rate review program, a move meant to increase the amount of subsidies received by eligible Texans. This new expansion attracted multiple ACA-compliant insurers that did not previously participate in the Texas state health marketplace, to join.
Advance Premium Tax Credits (APTCs) are the actual discounts you may get. They are calculated based on the premium cost of the benchmark "Silver" SLCSP plan listed on the individual marketplace. Each county's benchmark price is different, which means that the person residing in San Antonio (Bexar County) will be looking at a completely different premium than a person with the same income and life circumstances residing in the neighboring Medina or Guadalupe counties. In some counties within Texas, the difference can be +/- $150 on the identical plan.
APTC Example 1:
APTC Example 2:
As you can see in two examples, while the starting price of the plans in each county are different, the application of the APTC makes the plans cost the same regardless of which county you live in. The base cost goes up, so does the credit. The price goes down, so does the credit.
Note: Your insurers will also use how much tobacco or nicotine you consume to determine your premium. They may charge tobacco users up to 50% more than persons that do not use tobacco.
In addition to the Silver benchmark plan, your plan category determines how much your monthly premiums will cost. While all ACA plans have the same essential health benefits, five plans stipulate cost-sharing of medical care between you and your insurer. These plans determine how much you and your insurance company will pay for healthcare.
The 5 ACA plans are:
Note: The ACA-compliant insurance plan cannot charge you a different price because of your gender or a pre-existing condition.
Deductible: It is the part of the claim you pay before your insurer starts paying any claim benefits. In Texas, your deductible primarily depends on your ACA plan. Generally, if your deductible is low, you will have high premiums and vice versa.
Coinsurance: This is an agreement between you and your insurer that determines which of the both of you will pay a particular amount of your medical bills. Your plan category prescribes the range of possible ACA plans. With Bronze plans, the split is 60/40 for your insurance company and you, respectively. That is, your insurance company pays 60%, while you pay 40%. Silver plans and Gold plans are shared 70/30 and 80/20, respectively.
For example, if a medical bill is $4,000 and you have already paid your annual deductible on a Gold plan - your coinsurance cost will be 20% ($800), while your insurance covers the remaining $3,200.
Copayments: This is an agreement where you pay a certain amount for medical services "upfront," and your insurer pays the rest of the cost. Copays are common for health insurance plans. If you want to visit the doctor's office frequently throughout the health insurance term, you might consider getting a copayment.
Out-of-Pocket Maximum: ACA-compliant insurance plans are required to abide by the out-of-pocket maximums. These amounts are set by the Federal Marketplace to limit how much an individual and a family may pay for their covered health care throughout the year, in addition to the monthly premium.
2022 - $8,700 (individual) / $17,400 (family)
2021 - $8,550 (individual) / $17,100 (family)
2020 - $8,150 (individual) / $16,300 (family)
2019 - $7,900 (individual) / $15,800 (family)
Max out-of-pocket does not include: premiums, non-covered services, out-if-network services, and costs above the allowed amount.
Maximum Out-of-Pocket (MOOP) is considered on one of the key defining comparison tools between the ACA plans.
Overall, you should compare each plan category's monthly premiums, deductibles, copays, coinsurance, and most importantly - annual out-of-pocket maximums. That is when things may get complicated. Even within the same plan category, the lowest premium plan may have the largest deductible. By implication, it may cost you more in the long run. If you get sick, you may end up paying more for health care than you would with a plan with a higher premium but a smaller deductible. So you must first estimate your actual healthcare cost needs and then choose the insurance plan that will help you save the most money overall. Consider contacting a licensed health insurance professional in Texas to assist you with estimating the cost of your medical needs and finding the best fitting health coverage for you. Reach out to a pro to ask clarifying questions or to get help with making the choice.
The price of the plan for the consumer remains the same, whether you apply for the coverage yourself or if you use a professional to guide you through the process or even do it all for you.
The average cost of ACA insurance in Texas varies depending on your circumstances and can be analyzed in several ways.
The average ACA insurance premium in Texas can range from $250 for a Bronze plan to $506 for a Gold plan. These prices may be lower or higher, depending on how much coverage you want, your income, and whether you qualify for premium subsidies. Utilizing the subsidies, the same $506 Gold plan can cost you less than $100 per month.
The most important thing to remember is that the maximum-out-of pocket (MOOP) amount determines the real cost of the ACA plans. Monthly premium payments are not a part of MOOP.
Using the same Gold plan example from above, the non-subsidized $506 plan is likely to have a high deductible and a maximum out of pocket amount (of around $6,000). So, if you actually needed to use your ACA insurance for extensive coverage, your average annual cost of non-subsidized policy in this case is $12,072 (($506 x 12) + $6,000).
The subsidized $100 version of the same plan can come with a deductible as low as $400-$600. The average annual cost of ACA insurance in this case is $1,800 (($100 x 12) + $600).
Employer and group insurance plans are also considered ACA. The cost of such plans has a lot of variables based on the coverage offered, but as a national average, the employee cannot be required to pay more than 9.61% (2022) of their salary for the basic (Silver) employer provided coverage.
Because the cost of ACA insurance varies greatly on your medical needs and even more so on income, it is best to discuss your needs with a state-licensed insurance professional, who can help you figure out what type of plan is best for you.
The typical ACA health insurance pricing model consists of a premium, the deductible, and an out-of-pocket maximum. When you look at them, you are assessing the total maximum dollar amount that you will have to spend on insurance in case you need to use it's coverage a lot, or in case of an emergency.
For a typical 40 year-old single resident of Texas, the unsubsidized ACA plan costs around $10,500 per year:
Premium: $500/mo.
Deductible*: $4,500/yr.
Max out-of-pocket: $4,500/yr.
($500 x 12) + $4,500 = $10,500.
*ACA max out-of-pocket includes the deductible, so it is already covered.
While with the subsidies, the same plan can theoretically go down in total costs to approximately $1,700:
Premium: $100/mo.
Deductible: $500
Max out-of-pocket: $500/yr.
($100 x 12) + 500 = $1,700
Again, the max-out of pocket includes the deductible and one covers the other.
The cost of ACA insurance premiums differ based on factors like age, income, family size, location, tobacco use, and plan category. Using the 40-year-old person as an example, below is the estimate of monthly and yearly premiums for the five plan categories:
Metal Tier | Monthly premiums | Yearly premiums |
Catastrophic | $250 | $3,000 |
Bronze | $320 | $3,840 |
Silver | $430 | $5,160 |
Gold | $506 | $6,072 |
Platinum | $700 | $8,400 |
This estimate does not include premium subsidies for which you may be eligible.
There are four types of ACA plans:
Using the example of a 40-year-old person below is the estimate of monthly and yearly premiums for these plan types:
Type | Monthly premiums | Yearly premiums |
Without discounts from premium subsidies or cost-sharing reductions, an ACA plan without supplemental coverage in Texas can cost $300-750/month ($3,600-$9,000 per year) for a single 40 year-old person. Deductible may be between $0 and $8,700, and the maximum out-of-pocket can be as low as $4,500 or as high as $8,700.
If the same 40-year old applicant is also a tobacco user, the monthly premium cost range goes up to $320-800.
This is the cost before applying for premium tax credits, which is available to anyone whose income falls between 100% and 400% percent of the Federal Poverty Levels (FPL) or qualifies for subsidies under the American Rescue Plan Act.
With the subsidies applied, the single 40-year old's plan may be obtained for $0 monthly cost, but it will most likely have a significant deductible and maximum out-of-pocket (up to $8,700 attached to it).
The cost of ACA insurance largely depends on the size of the household, plan category, and the max out of pocket amount of the plan.
For example, a non-subsidized ACA Gold plan for a family of four can have a maximum out-of-pocket cost around $17,400 ($8,700 per person) in a year if it gets used extensively throughout the year, or in case of an emergency.
When you purchase a family plan, each family member gets an individual deductible, which is a part of the large family deductible. If half of the family maxes out their annual deductibles, the out-of-pocket max is met and the plan starts covering the whole family at 100%
The average premium ranges of non-subsidized family ACA plans in Texas in 2022:
COUNTY | FAMILY OF 4 (SILVER Plan) | FAMILY OF 4 (GOLD Plans) |
With the application of subsidies, the premium cost can be significantly decreased. Contact a licensed insurance agent in Texas to get a good estimate of how much ACA insurance will cost your family.
An ACA insurance policy does not have a fixed cost. Insurance companies determine your premiums based on factors like your age, income, location, family size, tobacco intake, and plan category. There are also other things like deductibles, coinsurance, and copayments.
Let us use the following information as an example to understand how much an ACA insurance policy may cost:
To qualify for the coinsurance plan, you must pay your $400 monthly premium and meet your deductible fee amount. When you have paid up the $1,500 deductible, the plan covers medical costs and you pay 30% of your medical bills.
During this time, you may be paying 30% while your insurer pays 70% of all medical expenditures until you reach your out-of-pocket maximum, which is $8,700. Your insurer will pay for all your medical bills until your ACA insurance expires when you reach this stage.
So, let's say you get a kidney stone and end up in a hospital. After a few days you are released with a bill north of $50,000. How does this play out?
At first you must continue to pay your $400 monthly premium, then pay your $1,500 deductible before the insurance starts realistically contributing. After the deductible is paid up, you start paying 30% of the covered costs until you reach your out-of-pocket limit.
In ACA insurance, deductible is included in the out-of-pocket maximum, but the premium is not, so after you have paid your $1,500 deductible and $7,200 in coinsurance out of pocket, you have reached your $8,700 out-of-pocket limit. In effect, this $50,000 medical expense costs you your Max out-of-pocket amount plus the monthly premium ($400 x 12) + $8,700 = $13,500).
Your insurance cost for the year is $13,500, and your insurer covers the remaining $36,500. Without insurance the bill would have been a lot higher and you would owe all of it.
Comparing multiple market options is the simplest way to determine how much an insurance policy costs. Talk to a Texas insurance agent to know more about your options.
Some ACA insurance plans have high deductibles. These are bronze and catastrophic plans. The ACA gives you the ability to choose between paying high premiums or high deductibles. A high deductible plan is one where the monthly premium is lower, but you pay more medical costs yourself before your insurer begins to pay its portion.
Note: According to the IRS, if the annual deductible of your health insurance plan is more than $1,400 for an individual or $2,800 for family, you may qualify for a Health Saving Account (HSA), to help you with covering those medical costs in the time of need.
Yes, the higher a plan's deductible, the cheaper the premium cost. And the higher the premium cost, the lower the deductible plan. When you pay extra for care upfront, you save money for the monthly premium. Furthermore, if you pay a higher premium with a lower deductible, your spending may become more predictable.
ACA insurance is usually not expensive, particularly for middle and low-income earners, who may get federal assistance paying for the plan. Because of the ACA, monthly premium prices dropped by an average of 40% due to the boost in subsidies from government stimulus funds. Most ACA enrollees qualify for premium tax credits to make their monthly premiums affordable. These subsidies protect enrollees because if their premium increases, their subsidy also increases. Before 2021, access to premium subsidies was restricted to people whose income was below 400% of the Federal Poverty Line. However, through the American Rescue Plan Act (ARP), access to premium tax credits has increased to persons from all income categories (low, middle, and high). As a result, many people across all household income levels may be eligible for lower premiums.
If you have any questions, you should discuss your options with a licensed Texas insurance agent to learn more about the cost of ACA insurance.
The simple answer to this is that you have a wrong health plan. Let's say from the plan categories, you got a platinum plan, which has the highest premiums and lowest deductibles. If you are healthy and hardly need medical care, you will be spending more on healthcare than necessary. This is because you pay high premiums for coverage that you do not use. It will be wiser to get a bronze or silver plan, where you can save money and get good health coverage. With bronze or silver plans, you only pay more when you receive medical care. Your premiums are lower.
Generally, the cost of your ACA insurance depends on factors that relate to you alone. That is where you live, your age, the extent of coverage you want, and your estimated yearly income. First, you can estimate your household income for the next year to know how much ACA health insurance you can purchase. Based on your income, you can check out plans available to your location. ACA goes on to offer low-cost plans that allow you to save on health insurance by providing premium subsidies and cost-sharing reductions.
The best part of this is that all the plans provide you with access to comprehensive health care because of the essential health benefits they offer. The cost of your plan does not affect the quality or standard of healthcare you receive.
Overall, licensed insurance agents in Texas give the best advice on ACA insurance prices and plan categories. Consider talking to an insurance professional to go over your current insurance, to see why your ACA insurance is so high.
The cost of your premium increases or decreases based on many factors. These are your:
No. ACA premium rate does not go up after a claim or several claims. Unlike auto insurance products, the premium rate for ACA and other health insurance plans is fixed. It does not increase or decrease because you made many claims.
Your ACA insurance is fixed upon enrollment. Filing a claim does not increase the cost of an ACA health insurance plan.
If you are involved in an accident, you will be primarily responsible for covering your medical bills that arise from the accident. You may be able to get compensation later from the at-fault driver's auto insurance (if they had it). However, the accident will not increase your ACA insurance cost.
You should speak to a licensed insurance agent in Texas to know how you can go about situations like this.
The cheapest ACA plan is the bronze plan. The Bronze plan has the cheapest monthly premiums but the most expensive deductibles and out-of-pocket costs. The insurer covers 60% of your medical bills, while you are responsible for the other 40%. A bronze plan is a good option if you want a less expensive way to protect yourself from the worst-case medical scenarios, such as catastrophic illness or injury.
You can either sign up for a new plan during the open enrollment period or renew your subscription with your old plan. Every enrollment period, your insurance provider sets your premiums based on factors like your age, income, family size, location, tobacco use, and plan category. Hence, your premium rate may increase or decrease based on these factors.
The amount of ACA insurance you need is determined by your income and the coverage you require. When determining how much ACA coverage you require, you must consider both of these factors. Fortunately, the Affordable Care Act (ACA) provides subsidies and cost-sharing reduction advantages, making plans more affordable. Based on your income, you can see if you are qualified for subsidies. You may also use the income calculator to estimate your earnings.
In general, if you want to find out how much ACA insurance you need, you should contact a Texas-licensed agent to help you out.
The amount of ACA insurance coverage you require or should obtain is primarily determined by your financial ability to meet your medical needs. For example, if you have surgeries scheduled throughout the year, you may want to choose the plan with the lowest deductible.
In general, four metal levels determine how much of the cost will be split between you and the insurance carrier. They are as follows:
Speak with a registered insurance agent in Texas to determine what ACA coverage you require. An agent will offer you all of the required information and variables to guide you in making the best selection possible. Alternatively, you can check the health marketplace yourself and browse the plans. If you have any questions, ask a licensed professional for guidance and suggestions on which plan might work better for your situation.
Yes, getting ACA insurance through your employer or an association is usually much cheaper than buying it from the individual Texas health marketplace, especially if you do not qualify for government subsidies due to income limitations. Employer-sponsored health insurance is typically less expensive because employers pay for a part of the cost of the plan. Under federal law, large employers must pay at least half of their employees' health insurance premiums.
You can save on ACA insurance premiums by checking if you qualify for premium tax credits or cost-sharing reductions. ACA insurance offers plans that allow you to save on premiums and get lower out-of-pocket costs, like deductibles and copayments, based on your income. It provides premium tax credits and cost-sharing reductions. Your state of residence, the number of people in your household, and your projected income range for the year are all you need to submit.
The subsidy is based on your income for the full year, so you need to estimate how much you will earn during the coverage year. Then check out plans available to your location. You can also check to see if you qualify for premium subsidies.
You can save on premiums by checking if you qualify for premium tax credits or cost-sharing reductions (subsidies). If you have had a change in income level, or if you expect that it will happen soon - check your coverages. Your premium tax credit qualification may be affected.
Your premium may go up or down, usually in the same direction as the pay change. You may qualify for more federal assistance premium tax credit or you may lose the monetary help completely if you earn over the 400% of the poverty line.
ACA insurance is affordable for everyone. Because of premium subsidies, you can get bronze and silver plans with $0 premiums. You should first confirm the plan that suits your situation by talking to a Texas-licensed health insurance agent. If you actually cannot afford ACA insurance, talk to an insurance agent to find out what you can do to get health coverage.
Quite frequently ACA insurance is not the best solution for the needs of the insured and a licensed insurance professional can suggest how to save you money while getting you the coverage that fits your specific needs.
If you are unemployed and have no source of income, the ACA may be able to help you find a low-cost health insurance plan depending on your income and household size. The plan you are eligible for and how much assistance you will get paying for it is determined by your household size and income, not your employment status. The problem is that estimating your income when unemployed is difficult. Despite this, you may be able to estimate based on all present and anticipated sources of revenue for the year. You can include any of the following types of income in your application:
If your income is below the Federal Poverty Level (FPL), an insurance professional may be able to guide you towards other medical coverage through government programs.
There is no means of paying ACA insurance upfront. You pay your ACA premiums every month before the due date or the end of your grace period. Hence, you do not save by paying upfront.
ACA insurance provides premium discounts in the form of premium tax credits and cost-sharing reductions. You may be eligible for premium tax credits if your estimated income for the year is between 100% and 400% of the federal poverty level (FPL).
Generally, you should speak to a licensed insurance agent to help you save costs on ACA insurance. They know the current local market, the best plan options currency being offered, and the corresponding prices. The licensed agent can help you figure out what works best for your needs and give you the choice of quotes to consider.
The insurance agent's purpose is to understand your needs and to give you options for how these needs can be met in the most affordable fashion.


text:
Durvet TURN OUT Fly Spray
Regular price
Shipping calculated at checkout.
Water-based formula binds to hair shaft to repel and protect from insects through sweat, rain, dust and dirt up to 14 days. Kills and repels stable, horn, house, horse, deer and face flies, gnats, mosquitoes, including those that may transmit West Nile Virus, midges, punkies, no-see-ums, fleas; ticks, chiggers, lice and more. May be applied directly with either a soft cloth or fine mist spray. Do not use on animals under 12 weeks old.
Contains 0.20% permethrin, 0.10% pyrethrins and 0.50% n-octyl bicycloheptene dicarboximide.
Directions: Horses - apply 1-2 oz daily for 2-3 days. As infestation subsides, repeat treatment every 7-14 days or as prescribed by a veterinarian. Re-apply every time animal is washed or exposed to heavy rain. As a spray - apply to face, legs, flanks, top line and other body areas commonly attacked by flies. Do not wet horse's skin or exceed 2 oz per application. As a wipe on - moisten a soft cloth but do not wet to the point of dripping and rub over hair. Best by rubbing against the hair growth. Give special attention to legs, shoulders, shanks, neck and facial areas where flies most often are seen. Only a light application is required. Avoid using an excessive amount on horses; do not wet skin. After application, brush thoroughly to bring out a bright sheen on the coat. Make sure the spray has completely dried before covering with tack.


text:
A Delaware judge presiding over the landmark defamation case between Dominion Voting Systems and Fox News said Monday that the delayed trial will now begin Tuesday at 9am ET.
Why it matters: The unexpected delay Sunday evening spurred rumors that the two parties were trying to work out a settlement ahead of the six-week planned trial. The judge did not mention anything about a potential settlement Monday morning.
Details: Delaware Superior Court Judge Eric Davis did not offer further explanation for delaying the trial, which had been expected to begin Monday, saying such a move for trials of this length are "not unusual."
- "There's not going to be much more," Davis said Monday. "This is not a press conference. I don't do that."
Instead, Davis said the trial's resumption will begin with finalizing the jury selection. Twelve jurors will be selected, in addition to a backup jury.
- The judge will bring in potential jurors one at a time and go through strikes for each.
- Each party is allowed to strike a certain number of jurors.
- The process will continue with strikes "until we fill the number," Davis said.
Catch up quick: The trial delay sparked reports that Fox could be pursuing a last-minute settlement deal, which would prevent its executives from being paraded in front of a jury.
State of play: Dominion is seeking $1.6 billion in damages in the lawsuit it filed more than two years ago against Fox News, but it appears to have softened its settlement claims.
- In a court filing Sunday from Fox, it was revealed that Dominion said in an email to Fox lawyers on April 14 that it would not push the jury to consider the profit damages it alleges from Fox's coverage.
- Instead, it will ask the jury only to consider damages made to "lost enterprise value."
- Fox also asked for a clarification or reconsideration regarding whether that email could be used as evidence to assist the jury in assessing Dominion's damages claims. Fox said that in walking away from profit losses, Dominion is "knocking more than half a billion dollars off the damages claimed in its complaint."
- A Dominion spokesperson clarified Monday morning in a statement saying, "The damages claim remains. As Fox well knows, our damages exceed $1.6B."
Be smart: Legal experts agree that Dominion has a strong case in being able to prove that Fox acted with "actual malice" when it aired false election claims.
- But given Dominion's size, it may be tougher to convince a jury that Dominion should be awarded $1.6 billion worth of damages.
The big picture: The case, if it does go to trial, would set a historic precedent for the First Amendment and could change the way Fox approaches its coverage moving forward.
- If the two parties settle, the settlement would likely be one of the largest ever for a media company in a defamation lawsuit.
Go deeper: Fox News to face jury over election lies