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Merkel cell carcinoma is a rare but very aggressive form of skin cancer. It commonly presents as a rapidly growing nodule or bump on a sun-exposed site such as the face, head, or neck. Merkel cell carcinomas can range in color from flesh colored to red, purple, or blue. This type of aggressive skin cancer is more common in individuals who are fair skinned, male, have a history of significant sun exposure, have a history of other skin cancers, and/or who have a compromised immune system. As this type of skin cancer has a high risk of spreading (metastasizing) or recurring, early and prompt diagnosis is crucial for survival. Any new, unusual, changing, or symptomatic growth should prompt a visit to your dermatologist.
The information on this website is provided for educational and information purposes only and is not medical advice. Always consult with a licensed medical provider and follow their recommendations regardless of what you read on this website. If you think you are having a medical emergency, dial 911 or go to the nearest emergency room. Links to other third-party websites are provided for your convenience only. If you decide to access any of the third-party websites, you do so entirely at your own risk and subject to the terms of use for those websites. Neither Jan Miller Schwartz, MD, nor any contributor to this website, makes any representation, express or implied, regarding the information provided on this website or any information you may access on a third-party website using a link. Use of this website does not establish a doctor-patient relationship. If you would like to request an appointment with a health care provider, please call our office at 713-467-9671.


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Publication: Data Deprivation: Another Deprivation to End
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The Millennium Development Goal of halving the incidence of extreme poverty from its 1990 level will be achieved in 2015, and the international development community is now moving to a new goal of "ending extreme poverty." However, the data needed to monitor progress remain severely limited. During the 10 year period between 2002 and 2011, as many as 57 countries have zero or only one poverty estimate. This paper refers to such lack of poverty data as "data deprivation," because the poor are often socially marginalized and voiceless, and the collection of objective and quantitative data is crucial in locating them and formulating policy to help them exit extreme deprivation. This paper studies the extent of data deprivation and proposes targets for ending data deprivation by 2030—the year by when the international community aims to end extreme poverty. According to the analysis in this paper, this target is ambitious but possible, and achieving it is necessary to be able to declare the end of extreme poverty with confidence.
Link to Data Set
"Serajuddin, Umar; Uematsu, Hiroki; Wieser, Christina; Yoshida, Nobuo; Dabalen, Andrew. 2015. Data Deprivation: Another Deprivation to End. Policy Research Working Paper;No. 7252. © World Bank, Washington, DC. http://hdl.handle.net/10986/21867 License: CC BY 3.0 IGO."
Other publications in this report series
Publication Know Thy Foe(Washington, DC: World Bank, 2024-07-18)Middle-income countries host the majority of the world's population exposed to unhealthy levels of air pollution, and the majority of this population lives in urban environments. This study investigates the impact of information provision on household behavior in connection with indoor and outdoor air pollution in a middle-income country's major urban center — Tbilisi, Georgia. The study implemented a randomized controlled trial to assess whether providing households with different levels of pollution information changes their knowledge of air pollution and avoidance behavior with respect to air pollution, and improves their health outcomes. The study evaluates three treatments: a pamphlet with general information on pollution, the pamphlet combined with daily text messages about local outdoor pollution, and the pamphlet with messages about both indoor and outdoor pollution levels, supplemented with an indoor air pollution monitor. The findings show that while the pamphlet alone did not lead to behavioral change, daily text messages significantly enhanced knowledge about pollution, led to increased avoidance behaviors, and improved health outcomes. The study also examined infiltration rates throughout the city and document three facts: indoor air pollution levels are generally higher than outdoor ones, infiltration rates are high on average, and their variation is driven primarily by behaviors.Publication A Comparative Analysis of Financial Sector Reforms and Policies in Countries Exiting Fragility(Washington, DC: World Bank, 2024-07-18)Financial sector reforms are part of the strategies that countries follow to exit from fragility, but the content and focus of these reforms and the priority they are given relative to other policies vary from country to country. Based on an archival search of publicly available World Bank and the International Monetary Fund country documents, this paper investigates and compares the experiences of seven countries (Armenia, Benin, Cambodia, the Dominican Republic, Rwanda, Senegal, and Viet Nam) that successfully and sustainably exited fragility during the 1980s and 1990s, focusing on the financial sector reforms that were implemented around the time of the exit. The review suggests a few broad patterns. Regardless of the original causes of fragility, successful exit strategies always included financial sector reforms, which invariably focused on short-term goals: stopping bank losses, establishing monetary control, and re-starting the engine of financial intermediation and the flow of credit to the economy. Longer-term financial development goals, such as financial deepening, were recognized as important, but the requisite policy interventions came later, after the financial sector had been restored to health and was able to discharge its basic functions. Crucially, substantial, hands-on, long-term technical assistance and capacity building were in all cases necessary to ensure the long-term success of these reforms.Publication Does Effective School Leadership Improve Student Progression and Test Scores? Evidence from a Field Experiment in Malawi(Washington, DC: World Bank, 2024-07-17)Evidence from high-income countries suggests that the quality of school leadership has measurable impacts on teacher behaviors and student learning achievement. However, there is a lack of rigorous evidence in low-income contexts, particularly in Sub-Saharan Africa. This study tests the impact on student progression and test scores of a two-year, multi-phase intervention to strengthen leadership skills for head teachers, deputy head teachers, and sub-district education officials. The intervention consists of two phases of classroom training along with follow-up visits, implemented over two years. It focuses on skills related to making more efficient use of resources; motivating and incentivizing teachers to improve performance; and curating a culture in which students and teachers are all motivated to strengthen learning. A randomized controlled trial was conducted in 1,198 schools in all districts of Malawi, providing evidence of the impact of the intervention at scale. The findings show that the intervention improved student test scores by 0.1 standard deviations, equivalent to around eight weeks of additional learning, as well as improving progression rates. The outcomes were achieved primarily as a result of improvements in the provision of remedial classes.Publication Connectivity, Road Quality, and Jobs(Washington, DC: World Bank, 2024-07-17)Good road infrastructure decreases travel time and improves accessibility to urban areas. Improved rural-urban linkages could also affect rural employment through decreased time and travel costs. To study this link, the paper analyzes the impact of good quality roads on agricultural and non-agricultural jobs in Armenia, using different sets of data and different methodological approaches. To address endogeneity and reverse causality issues of road quality, the paper uses a historical instrumental variable obtained by digitizing historical roads which were mainly used for military purposes - from a military-topographic map of the Caucasus from 1903. The results show that a shorter distance to a good quality road has a statistically significant positive impact on overall non-agricultural employment for men and women, increasing the likelihood of cash-earning jobs for rural women and skilled manual and non-seasonal employment for rural men. People are more likely to work outside their villages and work for more hours if they have access to good quality roads. The results are robust from the analysis of Demographic and Health Survey as well as the Integrated Living Conditions Survey of Armenia.Publication Therapy, Mental Health, and Human Capital Accumulation among Adolescents in Uganda(Washington, DC: World Bank, 2024-07-17)Using a cluster-randomized trial, this paper evaluates the impact of group-based interpersonal therapy on mental health and human capital accumulation among adolescent girls in Uganda who were at risk of moderate or severe depression at baseline. The study was designed to test whether lay provider–led group-based interpersonal therapy for adolescents could be effectively scaled up using modest resources in a low-income country. It also tested whether a lump-sum cash transfer offered at the end of therapy provided any additional benefit. The findings show that group-based interpersonal therapy increased the share of adolescents with minimal depression by 20-30 percent 12 months after therapy, but these effects dissipated by the 24-month follow-up. Small short-term effects on human capital accumulation were also not sustained at 24 months. Surprisingly, the marginal effect of providing cash transfers to group-based interpersonal therapy beneficiaries on mental health was large and negative, persisting two years after baseline. The paper provides suggestive evidence that the adolescents were frustrated by their inability to use the cash toward their own goals because of the need to divert funds toward the essential needs of their families during the COVID-19 pandemic.

subset: commoncrawl


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ISLA NEGRA, Chile — There's a steady stream of fans visiting the museum that once was the home of Pablo Neruda, widely considered Chile's greatest poet. It's located on massive black cliffs overlooking the Pacific Ocean. It's also the spot where Neruda is buried.
The poet died 49 years ago, yet his reputation remains a work in progress.
Neruda has always been a polarizing figure in Chile, mainly for his left-wing politics. But now he is being called out by Chile's growing feminist movement as a male chauvinist and sexual predator.
"He's been canceled," says Lieta Vivaldi, a human rights activist and member of Chile's Feminist Lawyers Association.
The latest controversy over Neruda, who in 1971 became the second Chilean awarded the Nobel Prize for literature, sprang up in 2018 with the rise of Chile's #MeToo movement against sexual abuse. Activists singled out some of Neruda's verses as sexist and focused new attention on several disturbing episodes from the poet's past.
Neruda abandoned his only child, Malva Marina, and her mother. His daughter was born with hydrocephalus — an accumulation of fluid within the brain that can lead to swelling of the head — and died at age 8.
What's more, Neruda wrote about his rape of a cleaning woman in his hotel room in 1930, in what is now Sri Lanka.
"I decided to go all the way. I got a strong grip on her wrist. ... The encounter was of a man with a statue," Neruda wrote in his memoir, published in 1974, a year after his death from cancer. "She was right to despise me."
Initially, his admission went almost unnoticed. But Chile's feminist movement — newly energized by a series of sexual abuse scandals at the country's universities and by the global #MeToo movement -- has called attention to the episode, and disdain for Neruda is spreading.
Salvador Young, who buys online books for Chile's National Digital Library, says that for the past several years, he was instructed by his supervisors not to purchase Neruda's books. Otherwise, he says, "Readers would demand to know: 'Why are you promoting a rapist?'"
Some Chilean universities and high schools are steering clear of Neruda. One high school teacher, who asked to remain anonymous because he was not authorized by his school to speak to NPR, says many of his female students despise Neruda. He now teaches him less than he did a few years ago.
By contrast, he says, "When I was in school, we had to learn Neruda and recite his poetry. There are verses that students of my generation still recite and analyze."
Among them, he says, is "From the Heights of Machu Picchu," which Neruda wrote following an inspirational trip to the ancient Incan mountaintop site. The poem has been put to music by the Chilean group Los Jaivas.
Rejection of the poet by feminists is so strong that in 2018, Chile's Congress scrapped a proposal to rename the country's main international airport after Neruda. Meanwhile, anti-Neruda slogans were spray-painted on several walls during #MeToo marches in Santiago, Chile's capital.
Kemy Oyarzun, a poet and professor of gender studies at the University of Chile, says this was a response to one of Neruda most famous verses, an ode to silence called "Poem XV."
It begins: "I like for you to be still: it is as though you were absent."
Oyarzun says some feminists interpreted this as Neruda telling his lover in the poem to keep her mouth shut. They responded with graffiti proclaiming, "Neruda, now you shut up!"
At a #MeToo demonstration in Santiago in August, high school student Laura Brodsky, 18, said her instructors are not teaching Neruda. Referring to the rape confession in his memoir, Brodsky emphasized that she and her fellow students "have no interest in learning about him."
All this is a startling reversal for one of the world's most famous, prolific and bestselling poets, who has often been compared to Walt Whitman. Neruda's masterwork, Canto General (General Song), is an epic history of Latin America, recounted by way of 231 poems.
In a country where poetry had long been composed by and for the well-to-do, Neruda was known as the poet of the people, often writing about the working class and Indigenous groups, as well as Chile's natural wonders.
In addition, Neruda won praise around the world for his humanitarian work in the aftermath of the Spanish Civil War. In 1939, following his diplomatic service as consul, he helped bring more than 2,000 Spaniards — who were fleeing Gen. Francisco Franco's newly installed military regime — to Chile.
"Many working people and progressive activists — not just in Chile, not just in Latin America, but all over the world — adopted him as their hero, proclaimed him as their own," wrote Mark Eisner, author of Neruda: The biography of a poet.
Still, Neruda has fallen from grace before.
In 1947, Chile's government outlawed the Communist Party — of which Neruda was a member — and accused him of treason. To avoid arrest, he went underground; then, in 1949, he escaped by horseback across the snow-capped Andes Mountains to Argentina.
Neruda eventually returned. But in 1973, Gen. Augusto Pinochet seized power and his right-wing military regime burned Neruda's books while promoting poet Gabriela Mistral, another Nobel Prize winner, who was viewed at the time as apolitical.
As during those past anti-Neruda crusades, many writers and academics say the current campaign has gone too far.
Fernando Saez, executive director of the Pablo Neruda Foundation that oversees the late poet's estate, points out that many writers, painters and musicians have had stormy personal lives, and says reproachable behavior should not negate their artistic contributions.
Doing so, he says "is tremendously dangerous."
Author Isabel Allende has also defended Neruda's literary legacy. "Like many young feminists in Chile I am disgusted by some aspects of Neruda's life and personality," she told the Guardian in 2018. "Unfortunately, Neruda was a flawed person, as we all are in one way or another, and Canto General is still a masterpiece."
Neruda "is a very, very important poet and you cannot just cancel him because of his personal life," Vivaldi says. "In that case, we would be judging everyone."
It's also easy to misread Neruda, says Oyarzun. Take "Poem XV," the one some interpret as a plea for his lover to shut up.
"That's not what he meant," Oyarzun says. "He meant to learn from women. He says: 'I love it when you're in silence because silence is my favorite dimension and I learn from your silence.'"
Yet even Oyarzun is less enthusiastic about Neruda these days. She says so much fuss over Neruda for so long has ended up overshadowing the work of female poets in Chile, where many of them remain largely unknown.
"I myself have chosen to teach young women's poetry that was denied for so many decades," she says. "So if you tell me — 'Will you teach a course only on Neruda?" — I will not do that."
At the Neruda museum on Isla Negra, many fans brush off criticism about the poet. Among them is Santiago storekeeper Jorge Díaz, who says many Chilean men of Neruda's generation behaved the same way.
"Neruda had a dark side," he says. "But everyone has a dark side."
Copyright 2023 NPR. To see more, visit https://www.npr.org.


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Penske Truck Leasing is adding Fuso eCanter battery-electric work trucks to its logistics, leasing, and rental fleets. Penske is among the first fleet operators to take delivery of these limited-production medium-duty vehicles.
"We're pleased to begin introducing the eCanter into our fleet," said Brian Hard, president and CEO of Penske Truck Leasing. "We continue to invest in the latest viable innovative vehicle technologies to benefit our customers. With an initial estimated range of up to 80 miles and a fast-charging option, the eCanter is a viable option for fleets seeking to reduce tailpipe emissions and noise pollution in urban delivery settings."
Penske will initially take delivery of four Fuso eCanter battery-electric work trucks for use in California. The introduction of these new all-electric commercial vehicles into Penske's fleet is another in a series of recent moves the company has made to test and showcase innovative electric vehicles with its customers including the Freightliner eM2 and eCascadia from Daimler Trucks North America, a sister organization of Fuso.
Fuso is the first to commercialize a series-produced, all-electric work truck, according to the manufacturer. As a major truck manufacturer and through the backing of its parent, Daimler, A.G., Fuso can demonstrate its ability of supporting the operation of eCanter trucks through its established parts, service and warranty network of Fuso dealerships. This is a major distinction compared to some start-up electric truck providers.
"Our leadership in electric trucks answers, today, the public's need for zero tailpipe emissions, zero-noise trucks for continuously increasing demands for inner-city distribution," said Justin Palmer, president and CEO, Mitsubishi Fuso Truck of America, Inc. "We applaud early-adopters, such as Penske, for their leadership and partnership. These remarkable eCanter truck operators are building the case that electric trucks are an essential part of the future of inner city distribution."
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The employees of three local retail businesses in Maine have joined together to purchase what is now the state's largest worker cooperative. The move is allowing longtime employees of the businesses to achieve economic security and build wealth through ownership, both for their families and their community. The Bangor Daily News published this news story on the new cooperative:
By Bill Trotter, BDN Staff
Two local retail businesses and one in Deer Isle have new owners. More than 40 of them, to be precise.
After many months of planning, the employees of Burnt Cove Market, V&S Variety and Pharmacy, and The Galley have purchased the businesses from Vernon and Sandra Seile and, in doing so, according to officials involved in the transaction, have created the largest worker cooperative in the state.
In a prepared statement released Wednesday, business and nonprofit officials who helped make the sale happen said that when the Seiles expressed an interest in retiring, employees were concerned that a new owner might reduce pay or the size of the staff. The three stores together comprise one of the largest employers on Deer Isle and other employment options in the area are limited, they said.
Ashley Weed, who has worked at Burnt Cove Market for 11 years, said Wednesday that she is excited about being one of the 45 members of the Island Employee Cooperative. She said she was worried a new owner might make her and others take a pay cut.
"I definitely like the idea [of the cooperative]," Weed said. "I am happy [the Seiles] actually sold it to us, so we don't have to start at the bottom again."
"I thought it was a good idea," said Norma Morey, a cashier who has worked at Burnt Cove Market for 34 years. "Most everyone that works here is dependable and reliable."
In 2013, the stores' employees and the Seiles began consulting with the Maine-based Independent Retailers Shared Services Cooperative and the Massachusetts-based nonprofit Cooperative Development Institute to see if details and logistics for the employees buying the stores could be worked out. Nearly a year later, that goal has been realized.
Alan White, president of the new cooperative, said in the statement that having the employees buy the stores was a "once-in-a-lifetime opportunity." He said that many of the employees bought into the concept of a worker cooperative right away, and that others had to be coaxed along. Not all employees decided to join the cooperative ownership, he said, but they didn't have to. Seventeen employees opted not to join, and new hires also will be able to decline cooperative membership, he said.
"Many of us have worked in these stores for decades and never imagined this possibility," White said. "We know we have a lot to learn and a lot of work to do to be successful, but success means we will really achieve the American dream—economic security and building wealth through ownership, both for our families and our community."
Each member of the cooperative now has one share in the businesses and one vote in how they are governed. The members elect a board, which appoints managers to various positions. The managers will make decisions about the day-to-day operations of the store, but bigger issues such as capital improvement projects or changes in financing will be decided by membership votes.
According to Rob Brown of the Cooperative Development Institute, there are only two other businesses in Maine that operate under a worker cooperative structure—Crown of Maine, an organic food distributor in North Vassalboro, and Local Sprouts, a cafe and catering business in Portland. Both have only only a handful of employees, Brown said.
Brown said that the arrangement is different from companies with employee stock ownership plans in that members get to vote on major decisions, rather than just getting a share of the profits.
He said cooperative structures often make more sense for smaller businesses because of the cost of maintaining employee stock plans, and they help provide long-term economic stability to their members and the communities they serve. Only 30 percent of family-owned businesses survive into the second generation of ownership, he said.
"It's not to the benefit [of a cooperative] to cut right down to the bone," Brown said, adding that cooperatives have the potential to be effective for many small businesses in Maine.
Brown said that though the change in ownership became official on June 11, there still remains a lot of work to be done. But he said he and other consultants who helped with the transfer of ownership will continue to advise the new co-op on how to manage governance issues.
According to the Burnt Cove Market website, the Seiles' ownership of the businesses dates back to the 1970s, when Vernon Seile bought the Stonington market and built The Galley grocery store in neighboring Deer Isle. V&S Variety, a home wares and hardware store located next to the Stonington grocery store, was built in 1995 and, when the island's only existing pharmacy shut down in 2003, was expanded to meet the area's prescription medication needs.


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WADI KHALED, Lebanon, (AP) – Using horses and mules to carry their possessions, Syrians crossed a shallow river Monday to reach safety in Lebanon with tales of a "catastrophic" scene back home: sectarian killings, gunmen carrying out execution-style slayings and the stench of decomposing bodies in the streets.
The accounts are bound together by a sense of growing desperation as President Bashar Assad's regime expands its crackdown on an uprising that has entered a third month with no sign of letting up.
At least 16 people — eight of them members of the same family — have been killed in recent days in Talkalakh, a town of about 70,000 residents that has been under siege since Thursday, witnesses and activists say.
The deaths boost an already staggering toll, with more than 850 people killed nationwide since mid-March, according to the National Organization for Human Rights in Syria.
"The situation in the city is catastrophic," said a 55-year-old Syrian who asked to be identified only by his first name, Ahmad. He crossed the border into Lebanon before dawn Monday.
"If you walk in the streets of Talkalakh you can smell the dead bodies," he said.
Residents interviewed by The Associated Press on Monday as they crossed into Lebanon said their town, which has held weekly anti-government rallies, came under attack by the army, security forces and shadowy, pro-regime gunmen known as "shabiha."
Residents recognized the shabiha by their black clothes and red arm bands — apparently worn so they can recognize each other in the confusion of an attack.
Four residents independently told the AP that shabiha gunmen killed a man named Adnan al-Kurdi along with his wife, five daughters and a son in their home — a harrowing story that could not be independently verified. None of those interviewed knew why the family was killed. But they said the killings motivated them to leave.
"We did not want to have our throats slit," said Umm Rashid, who fled to Lebanon with her seven daughters by hopping on a truck that carried dozens on a short trip across the frontier.
The trip was less than three miles (five kilometers), but it was perilous. Gunmen fired on the truck as it sped out of town under cover of darkness, wounding a woman and an 8-year-old girl, witnesses said.
"Bullets buzzed over our heads in a crazy way," said a 50-year-old resident who gave only his first name, Qassim.
Besides the al-Kurdi family, another eight people were reported killed in Talkalakh — all of them on Sunday, said Syrian human rights activist Mustafa Osso.
Tension in the town had spiked on Thursday, when authorities cut electricity and telephone service and cut off the water supply. Later, three mosques were struck by rocket-propelled grenades, witnesses said.
The siege apparently was meant to head off protests the next day, when Syrians across the country have been massing after Friday prayers since the middle of March. At first, the protesters called for reforms, but now, enraged over the mounting death toll, many are demanding the downfall of the regime.
Talkalakh residents have been coming out every week, calling for Assad to leave, residents said.
"By Friday night, life turned to hell," Qassim said. Intensive shelling by tanks and heavy machine gun fire pounded the town, he said.
Authorities justified the siege by saying the city was full of Islamic extremists who wanted to form an Islamic state, residents told The Associated Press.
"This is all not true," said Ahmad, who did not want to be further identified for fear of reprisals.
Assad has blamed the unrest on armed thugs and foreign agitators. He also has played on fears of sectarian strife to persuade people not to demonstrate, saying chaos will result.
One resident said the conflict in Talkalakh has taken on dangerous sectarian tones.
Hamid, 45, who asked to be identified only by his first name, said the shabiha gunmen are targeting Sunnis in the city.
Syria has multiple sectarian divisions, largely kept in check under Assad's heavy hand and his regime's secular ideology. Most significantly, the majority of the population is Sunni Muslim, but Assad and the ruling elite belong to the minority Alawite sect, an offshoot of Shiite Islam.
The shabiha, too, are believed to be mainly Alawites.
Talkalakh is a Sunni city, surrounded by 12 Alawite villages.
"The city of Talkalakh is empty of people. Most of them have fled to Lebanon," Hamid said.
At the Wadi Khaled crossing point, Syrians crossed a narrow river separating the countries by hopping along rocks in the narrow water.
Bursts of gunfire could be heard from the Syrian side Monday in Wadi Khaled, as Syrians continued to arrive, some using horses and mules to carry their belongings into Lebanon.
Hundreds of Syrian and Lebanese men were standing just steps away from the border as bullets from the Syrian side buzzed overhead, sending them running for cover.
Two ambulances were parked nearby to tend to any wounded Syrians.
One paramedic said one man who crossed the border shortly after midnight had a gunshot wound to his back.
The Lebanese army was fortifying its positions in Wadi Khaled with a bulldozer, setting up sand dunes and putting up barbed wire to protect themselves from stray bullets.
More than 5,000 Syrians have fled to Lebanon in recent weeks. Traveling between the two countries is not difficult; citizens need only their identification papers to pass through.
In Damascus, a resident said several thousand people turned out for a protester's funeral in the suburb of Saqba. He asked that his name not be used for fear of reprisals.
Also Monday, the National Organization for Human Rights said in a statement Monday that at least 34 people were killed in the past five days in the villages of Inkhil and Jassem near the southern city of Daraa. Ammar Qurabi, the head of the human rights organization, said five bodies were discovered in Daraa on Monday, raising the overall death toll to 850.
There were also unconfirmed reports that up to 20 bodies were found in a grave there. Calls to Daraa were not going through Monday to verify the reports.
Like Talkalakh, Daraa was sealed off in recent weeks as the military unleashed a deadly siege, sending in troops backed by tanks and snipers to crush the heart of the rebellion. Daraa is the city where the uprising began, touched off by the arrest of teenagers who scrawled anti-regime graffiti on a wall.
A resident of Inkhil told the AP on Monday there were more than 70 tanks in the village and that two hospitals in the area were taken over by security forces.
A similar tactic was used in another brutal crackdown on protesters in the region, in Bahrain. International rights groups have said Bahrain targeted medical professionals who treated injured demonstrators.
"The gunfire never stops," the Inkhil resident said on condition of anonymity.
Munira Ahmad, who fled Talkalakh with her four daughters, said she had no choice but to run.
"We fled from death," she said, holding back tears. She worries nonstop about the family she left behind, including her husband and three sons.
"I don't know what happened to them. My husband has heart problems," she said.
But she cannot call to check on them — the telephone lines are still cut.


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What makes a house a home? What makes it a delight to come home to; a place in which you can relax and enjoy life; a place that will impress and entertain your guests? What makes it a reflection of your dreams and aspirations; giving it real character?
The answer would have to be the Art that forms a part of the interior design. And what material could be more fascinating and evocative than glass; coloured glass; architectural glass; contemporary stained glass or leadlight?
For over thirty years, European trained glass artist Frans Kat has been working in leadlight, stained glass and laminated art glass panels for residential, commercial and architectural settings. These windows have often incorporated the highly specialised techniques of hand-painted and kiln-fired glass painting and staining.
He has also been involved in many of the major South Australian church conservation and leadlight restoration projects, as well as creating significant, new commemorative ecclesiastic windows in S.A. and N.S.W.
More recently Frans has developed a range of fused glass sculptures and artistic wall pieces, mosaics, and contemporary style and retro style mirrors and lamps in his Studio/Gallery at Glenelg East, S.A. He also designs and manufactures unique laminated glass panels combining beautiful mouth-blown 'antique' glass, etching, sandblasting and bevelled glass on a toughened glass substrate, which is ideally suited to windows for the very latest architectural settings.
The Studio and Gallery holds regular exhibitions showcasing the versatility and wide range of work by artist Frans Kat, including sample windows of leadlight, stained glass, laminated art glass, gifts such as kiln-formed bowls and plates, lamps and fine flame-worked jewellery.
Artist: Frans Kat
37 Maxwell Terrace,
Phone: (08) 8376 4726
Fax: (08) 8376 4729


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Make a Difference, Teach
Become a teacher and you are in good company. Few professions offer as much power to create positive change. You will engage, enlighten, and inspire a lifetime of learning. You will help a new generation of students awaken hidden potential.
Become a teacher and there is no limit to what you can share with the world.
About the School of Community Engagement & Development
Location & Contacts
Downtown Campus
6th Floor, Room 674
8:45am - 4:45pm
(585) 685-6008


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Motor Repair
Two components, one pump set, one service job
KSB offers comprehensive service solutions – not only for your pump but also for your motor. This helps you save time and money.
Motor service: one-off shutdown for the entire pump set – pump and motor.
If KSB is already looking after your pump – then let us take care of the motor too! KSB offers you a comprehensive motor service. KSB puts your motor through its paces with an extensive range of measurement methods – from checking the motor winding resistance to surge voltage testing.
KSB motor experts perform repairs quickly and professionally – including re-winding if necessary. For optimum preparation, KSB uses a thermal insulation removal system to remove motor windings from electric motors gently and without leaving any residues. This ensures the best possible new motor winding.
You will receive a drive that is completely overhauled and ready for operation. If required, KSB can also handle commissioning.
Services are available for the following following motor types and sizes:
Three-phase current
Direct current
Medium voltage
High voltage
Geared motor
A motor is being reassembled in a KSB service centre.


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The Fedorov is often claimed to be the first practical assault rifle, predating the German Sturmgewehr by thirty years. It was a select-fire rifle with a 25-round magazine of 6.5x50mm cartridges. The caliber was chosen for its light recoil and easy access to purchase from Britain. It was light enough (less than 10 pounds) for easy use and used a cartridge will light enough recoil to be controllable and effective when fired from the shoulder (unlike contemporaries such as the BAR).
Contrary to common misconception, the Fedorov did not use MG13 mags, nor could either magazine be modified for use in the other weapon. We have several photos in the gallery below showing the details of the Fedorov mag, as well as side-by-side comparisons with an MG13 magazine.
1928 Fedorov manual (Russian) (click to download in PDF format)
Fedorov rifle photos (high-res)
Fedorov magazine compared to MG13 photos (high-res)
Photos of a Fedorov rifle from a Russian museum (download high-res copies here)
Photos of another Fedorov rifle, courtesy of DishModels.ru (download high-res copies here)


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'Total Recall': The Little But Important Details You Might Have Missed
Stuck at home? So is ScreenCrush's Matt Singer — which is why he's watching things streaming on Netflix, Hulu, Amazon, Disney+, YouTube, Criterion, Tubi, and elsewhere, and then writing about what he finds. If you want to suggest something for him to watch and write about, find him on Twitter. Previous installments of this column can be found here.
Today's Film:
Total Recall (1990)
Director: Paul Verhoeven
Writers: Ronald Shusett, Dan O' Bannon, Jon Povill Gary Goldman
Stars: Arnold Schwarzenegger, Rachel Ticotin, Sharon Stone
Box Office Total: $261.2 million
Rotten Tomatoes Rating: 82 percent
Currently Streaming On: Various rental platforms
Why I Watched It: June 1 is the 30th anniversary of Total Recall's theatrical release. It's considered the best Arnold Schwarzenegger movie by some experts, and I wrote extensively about it in the past. But according to Letterboxd, it's been about eight years since I've seen it. At the end of a long weekend, it seemed like just the kind of escapism that I wanted. (It helped that even though it's not streaming anywhere at the moment, I own a digital copy.) At 30 years old, here's what I recall about this classic...
Gallery — Every Arnold Schwarzenegger Movie Ranked From Worst to Best:


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16. I should have thought that this statement, I mean the words, 'I have expressed nothing in my own words; I have only re442stored to Origen what was really Origen's, though found in other part of his works,' would of itself have been sufficient for my defence even before the most hostile judges. Have I thrust myself forward in any way? Have I ever led men to expect that I should put in anything of my own? Where can they find the words which they pretend that I have said, and on which they ground their calumnious accusations, namely, that I have removed what was bad and put good words instead, while I had translated literally all that is good? It is time, I think, that they should show some sense of shame, and should cease from false charges and from taking upon themselves the office of the devil who is the accuser of the brethren. Let them listen to the words 'I have put in no words of my own.' Let them listen to them again and hear them constantly reiterated, 'I have put in no words of my own; I have only restored to Origen what was really Origen's, though found in other parts of his works.' And let them see how God's mercy watched over me when I put my hand to this work; let them mark how I was led to forebode the very acts which they are doing. For my Preface continues thus:
'I have given this statement in my Preface for fear that my detractors should think that they had found a fresh reason for accusing me.'
When I said a fresh charge I alluded to the charge which they had previously made against the reverend Bishop John for the letter written by him to the reverend Bishop Theophilus28462846 Of Alexandria. He was at first friendly to Origenism, afterwards bitterly opposed to it. John wrote to him complaining of the conduct of Epiphanius, and explaining his own views. See Jerome's letter (lxxxii) to Theophilus, and his Treatise Against John of Jerusalem. In the latter of these charges occur like those here noticed by Rufinus. on the articles of faith: they pretended that when he spoke of the human body he meant something—I know not what—different from flesh. Therefore I spoke of a fresh charge. Take notice, then, I say, of the conduct of these perverse and contentious men.
'I have undertaken this great labour, (which I have only done at your entreaty) not with a view of shutting the mouths of my calumniators, which indeed is impossible unless God himself should do it, but in order to give solid information to those, who are seeking to advance in knowledge.'
But, to show you that I foresaw and foretold that they would falsify what I was writing, observe what I said in the following passage:
'Of this I solemnly warn every one who may read or copy out these books, in the sight of God the Father, the Son and the Holy Ghost, and adjure him by our belief in the kingdom which is to come, by the assurance of the resurrection from the dead, and by that eternal fire which is prepared for the devil and his angels,—I adjure him, as he would not have for his eternal portion that place where there is weeping and gnashing of teeth, where their worm dieth not and their fire is not quenched, that he should add nothing to this writing, take away nothing, insert nothing, and change nothing.'
Nevertheless, after I had warned them by all these dread and terrible forms of adjuration, these men have not been afraid to become falsifiers and corrupters of my work, though they profess to believe that the resurrection of the flesh is a reality of the future. Why, if they even believed the simple fact of the existence of God, they would never set their hands to acts so injurious and so impious. I ask, further, what line of my Preface can be pointed to in which I have, as my accuser says, praised Origen up to the skies, or in which I have called him, as he once did, an Apostle or a Prophet, or anything of the kind. I may ask indeed in what other matter they find any ground of accusation. I made at the outset a confession of my faith in terms which I think agree in all respects with the confession of the Church. I made a clear statement of my canons of translation, which indeed in most respects were taken from the model furnished by the very man who now comes forward as my accuser. I declared what was the purpose I set before me in making the translation. Whether I have proved capable of fulfilling the task more or less completely is, no doubt, a matter for the judgment of those who read the work, and who may be expected to praise it or to ridicule it, but not to make it a ground for accusation when it is a question of turning words from one language into another with more or less propriety.
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Product Details
Japanese and Korean version of double - layer line ring female hipster index finger personality hand ornaments JZ186
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This Web Solution will display different Promotions for every month automatically so it's basically another set and forget. Tailor your promotions for each different month, for e.g. Valentine's Day in February, Mother's Day in May, and Father's Day in June.
It is fully automated and your customers / prospects will see the Promotions of the Month automatically every 1st of the month, and the promotions will automatically disappear at the end of the month!


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Privacy Policy
Back to homepageProtection and respect of your privacy on emintelligence.com
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The collection and processing of personal information takes place under very precise conditions and at specific times. When registering for our various personalized e-mail services, or for participating in online contests, emintelligence.com requests that you enter your name, postal address, e-mail and other personal information by filling out an online form. At these very specific times, and prior to entry, the site will explicitly advise you that the information that you are about to submit will be processed and be subject to a host of data collection practices including saving, storing, editing, detailing, archiving and destruction. The site also provides, within reasonable limits, means to verify the accuracy and to update your personal information. As well, on certain online forms, the site asks you if you wish to receive information on other services, contests or news about the site and its partners. You are always given the option to decline such offers or to end your subscription to a previously requested service.
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Free Ground Shipping within the USA! See Terms
These notecards are great for office stationery or for sending a note to a loved one! With a simple and elegant design, these are great for everyday use or jotting down daily notes. Finished with a beautiful geometric design, gives a sophisticated look and feel. Add in a personal touch with your name or initials to make this a truly custom piece.
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This Rime Custom Notecard is a simple but sophisticated design that gives you the space to add in your details. Choose from multiple colorways including white, duty rose, and dusk with multiple options for the back including dot grid, lined, checklist, and blank. Choose from a variety of fonts and font colors to add that special touch to your card. Use the shape feature to create image placeholders to upload your own image in a variety of different shapes. This template allows you to add in clipart from the library of art elements and place them anywhere within the green dotted safe area to ensure it is included on your card.
Size: 4.25" x 5.5" inches
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Costa Mesa
Have fun painting in oil or acrylic: your choice! Learn how to create your vision on canvas. You will design and compose your image, learn color schemes and color mixing, brushwork and expression. I've been teaching painting for over ten years, and I'm a professional fine artist specializing in portraits for many more decades. Call or text me if you have any questions at 714-356-6077.
Bring your paints, brushes, canvas, and either an existing project or start a something new!
Palette: Masterson palette box, Grey Matters palette paper, Odorless Mineral Spirits, Jar with lid for mineral spirits, Liquin or Linseed Oil or Neo Megilp or Walnut Alkyd Oil, Paper Towels (Viva), Art Box to carry everything.
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Canvas: 16×20 is a medium size. Select your source photo and decide which size canvas you want. I will help you with cropping and composition.
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Paints: Liquitex or Golden Heavy Body: Titanium White, Cadmium Lemon (or Light), Cadmium Yellow Medium, Cadmium Red Light, Alizarin Crimson, Ultramarine Blue, Cerulean Blue, Viridian (green), Sap Green.
Canvas: See above.


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Version 1.2.1
* Improvements to app performance.
* When you are browsing a category the app will now keep your place in the category when you click on posts and return to the category. Previously it returned you back to the start of the category.
* New page for members to recommend pubs and cafes (logged in feature).
* Updated Members Info page
* Updated Interactive Edinburgh Maps with new places.
* Updated the 'Info' Category
* Added a feedback form
* New Listings
Version 1.1
* Update to add compatibility for iOS9
* Added Category Headers
* Added 3 new header images
* The Highlands, London & Northern Ireland was added to the app recently. Perthshire and Yorkshire will be added soon.
Version 1.0.1
* Menu changes
* Styling & Image updates


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Time is money - it is especially true for the manufacturing industry. Make sure everything on the production line works smoothly, and when irregularities take place, seamless communication and workflow will get the fixes done promptly. Always deliver on time, at the best quality.
Work offline to link issues, defects and other findings to the drawings to capture directly where and when you find them, and make it easy to locate for the maintenance team.
Design or import your company forms and workflows
Capture a richer set of information with marked up photos, severity and your own standardised GMP findings list.
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Analyse the performance of all your facilities from a single report or dashboard and interrogate your data for insights
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Experts agree there's no chance of a large-scale foreclosure crisis like we saw back in 2008, and that's good news for the housing market. As Mark Fleming, Chief Economist at First American, says:
". . . don't expect a housing bust like the mid-2000s, as lending standards in this housing cycle have been much tighter and homeowners have historically high levels of home equity, so there likely won't be a surge in foreclosures."
Data from the Mortgage Bankers Association (MBA) helps tell this story. It shows the overall percentage of homeowners at risk is decreasing significantly with time (see graph below):
But even though the volume of homeowners at risk is very low, there is still a small percentage of homeowners who may be coming face to face with foreclosure as a possibility today. If you're facing difficulties yourself, it can help to understand your options. It starts with knowing what foreclosure is. Investopedia defines it like this:
"Typically, default is triggered when a borrower misses a specific number of monthly payments . . . Foreclosure is the legal process by which a lender attempts to recover the amount owed on a defaulted loan by taking ownership of and selling the mortgaged property."
The good news is there are alternatives available to help you avoid going through the foreclosure process, including:
- Reinstatement
- Loan modification
- Deed-in-lieu of foreclosure
- Short sale
But before you go down any of those paths, it's worth seeing if you have enough equity in your home to sell it and protect your investment.
You May Be Able To Use Your Equity To Sell Your House
Equity is the difference between what you owe on the home and its market value based on factors like price appreciation.
In today's real estate market, many homeowners have far more equity in their homes than they realize due to the home price appreciation we've seen over the past few years. According to CoreLogic:
"The total average equity per borrower has now reached almost $300,000, the highest in the data series."
So, what does that mean for you? If you've lived in your house for at least a few years or more, chances are your home's value, and your equity, has risen dramatically. In addition, the mortgage payments you've made during that time chipped away at the balance of your loan. If your home's current value is higher than what you still owe on your loan, you may be able to use that increase to your advantage.
Rick Sharga, Executive VP of Market Intelligence at ATTOM Data, explains how equity can help:
"Very few of the properties entering the foreclosure process have reverted to the lender at the end of the foreclosure. . . We believe that this may be an indication that borrowers are leveraging their equity and selling their homes rather than risking the loss of their equity in a foreclosure auction."
Lean on Experts To Explore Your Options
To find out how much equity you have, work with a local real estate professional. They can give you an estimate of what your house could sell for based on recent sales of similar homes in your area. You may be able to sell your house to avoid foreclosure.
If you find out you have to pursue other options, your agent can help with that too. They'll be able to connect you with other professionals in the industry, like housing counselors, who can look into your unique situation and offer advice on next steps if selling isn't your best alternative.
Bottom Line
If you're a homeowner facing hardship. Let's connect today to explore your options and see if you can sell your house to avoid foreclosure.


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Posts Tagged 'National Education Association/Saturn Corporation Award'
Conflict Chat: From Coconut to Closet Fights
Got Conflict? If you have a conflict with someone, and are not sure how to handle it, then let us know. Here is your opportunity to ask your question with Conflict Management experts who are mediators, conflict coaches and facilitators on how to think about, analyze or resolve your situation.
Think about it. Are you currently engaged in an active conflict with your co-workers or boss? Ignoring your neighbor because of a conversation you don't want to have? In a disagreement with your spouse? Or simply afraid to bring up a concern with a friend in fear of stirring up problems.
Discussion Topics:
2. Chris Christie Offers a Key to Marital Success: Fight in a Walk-In Closet
Managing Conflict in Your Blended Family
Raising children in a blended family can be challenging, frustrating, and overwhelming at times. It can be a real test of endurance to manage to stay together through some of the tough times that can erupt with your stepchildren. It can also be a time of growth and lasting relationships. Join Kim Abraham, Marney Studaker-Cordner and Zena Zumeta to hear how conflict is actually an opportunity to teach your children – step and biological – values and skills to last a lifetime.
Restorative Justice is Good Medicine for Youth Violence
Join Rose Gordon and Zena Zumeta as they talk about what Restorative Justice and other Restorative processes are, how they work, why Restorative Justice is an effective intervention with youth who have engaged in violence and its impact on youth recidivism.
Community Mediation: Empowerment and Dialogue
In many communities around the country there are community mediation centers supported by volunteer mediators. Community Boards of San Francisco is the oldest community mediation center in the country, started in 1976. The philosophy of community mediation centers is to empower community members to resolve their own disputes rather than resorting to courts or other outsiders to do it for them. Participants in mediation have found that the process helps them feel heard, and increases their understanding of themselves and the other person as well. Community Boards has handled thousands of cases in its 36 year history, and has helped 85% of those who use their mediation services reach a successful agreement.
The Conflict Pivot: Turning Conflict into Peace of Mind
If you've been told not to take conflict personally, you only have half the story. Before you can do that, you have to take conflict more personally. In this program, Tammy Lenski, author of The Conflict Pivot: Turning Conflict into Peace of Mind, will discuss three simple practices you can do on your own, anytime and anywhere, to avoid the most common conflict resolution mistakes, understand why certain conflicts get their hooks into you, and figure out how to liberate yourself.
Separating Families: How to Use Online Technology to Mediate Your Situation
This program is part of Cyberweek 2015
Family Resolve connects parents and partners with mediators using webcam-enabled online dispute resolution to bring mediation processes to separating families. Participants will learn how to use the internet with mediators to resolve family issues when there are distances between the parties, domestic violence issues involved or cost factors become a concern.
Toxic Behaviors in the Workplace: Why? How? What?
Control freaks, narcissists, manipulators, and bullies. It takes all kinds, they say, but can your organization afford to employ such toxic personalities? Often clever chameleons, who "kiss up" and "kick down," they know how and when to disguise their infectiously bad natures. Like a disease, these employees spread negativity throughout the workplace, decreasing productivity and increasing turnover. In this program, Drs. Holloway and Kusy will share their national research study of toxic behaviors with over 400 participants. Learn why these individuals get away with bad behavior, how this occurs in organizations, and what to do about it to impact individual and team performance—and the bottom line.
Courageous Conversations Between Parents and Their LGBTQ Children
Courageous Conversations between parents and their LGBTQ children regardless of age. The coming out conversation can be extremely difficult on both sides. This program will look at some of the repercussions the LGBTQ person faces from the conversation, as well as the gains that are made. We will also look at resources available to LGBTQ people and their friends and families.
Our Radio Program Family Grows
Our global online radio program, The Texas Conflict Coach®, has grown to over 250,000 listens with over 250 podcasts on a myriad of conflict management topics. The podcast library is searchable and ready to listen, download and share.
We could not make this community outreach program available without our growing family. Today, we have three guest hosts: Zena Zumeta, Stephen Kotev, and our newest addition, Tracy Culbreath. We have our Executive Assistant, Shawn Tebbetts who is extraordinarily resourceful in making every guest a special part of our family. And finally, we have come to rely on our student interns who are responsible for research, blog posts, social media networks, community outreach, and special projects. Abigail Clark, who graduated with her Master's in Negotiation and Conflict Management, decided to stay on as an Apprentice. We are excited she will continue to be part of our family.
And now, let me introduce to you our newest graduate student intern, Lauren Thompson Andrews. Lauren is currently enrolled in the Conflict Negotiation/Conflict Management Master's Program at the University of Baltimore in Maryland. She's a mother of two amazing children, a savvy entrepreneur and a long time student of the healing arts, Reiki II. With herbal and natural healing remedies passed down from her grandmothers, she's used these ancient teachings and gifts to put her family on a path of wellness. She even started a consulting business with coaching people in wellness by sharing her healing wisdom and nature remedies. Speaking of gifts, Lauren has a natural gift for gab and has worked as a long time radio broadcaster for 15+ years. Now, Lauren is reintroducing herself to the world as a Conflict Coach by helping people get up when life knocks them down. She will help them keep going toward their goals and persevering against all odds. Lauren persevered and her message is, "You can too"!
Pattie Porter, Founder and Host
The User-Friendly Divorce: Using Online Tools To Resolve Your Disputes
All over the world, people think about divorce and do not know what to expect from the process, what they will have to arrange and how long it will take. This anxiety comes on top of the stress of the divorce itself, worries about the costs or accessibility. And the possible contentious relationship. Today, the rapid changes in technology makes accessing the justice system amenable to all regardless of where you live in the world. Our guest, Jin Ho Verdonschot from the Netherlands will discuss how one can get their reasonable and fair divorce using online technology throughout the entire dispute resolution process. He will discuss the pros and cons of a virtual mediation experience based on an online divorce project developed in the Netherlands. Dr. Verdonschot will also share how this technology can be used for other types of disputes involving your neighbor, landlord-tenant and employer-employee disputes.


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Full Sleeves Sublimation Hoodie
Style No:- IS-1303
In Stock
Full Sleeves Sublimation Hoodie
ISSUA SPORTS offers hoodies with fully customize option to design according to your need made in 100% polyester fabric 220-230 GSM with Multi-color changes option and innovated designs which give charming & attractive look in crowed. We used double needle stitches on all seams for enough durability.
In DYO, you can design for your own, teams, shop, club, college, school, league with sponsor logos, names and Numbers.
American Size: – Youth/XS, Youth/S, Youth/M, Youth/L, Youth/XL, Adult/S, Adult/M, Adult/L, Adult/XL, Adult/XXL
European Size: – XXS, XS, S, M, L, XL, XXL, XXXL, XXXXL
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Your custom content goes here. You can add the content for individual product


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Notice: This Wiki is now read only and edits are no longer possible. Please see: https://gitlab.eclipse.org/eclipsefdn/helpdesk/-/wikis/Wiki-shutdown-plan for the plan.
ECF/REST abstraction
OSGi Remote Services to expose REST Clients
ECF's focus has been the support of OSGi remote services...i.e. exposing OSGi services remotely, via proxies that have underneath them some protocol for communicating with the actual remote service.
REST-based services use http to access remote resources via http get, put, post, and delete actions.
The ECF REST abstraction allows REST-based services to be exposed to clients/consumers as OSGi services. This allows the automatic use of a number of useful technologies based upon OSGi services (e.g. declarative services, spring, ServiceTracker, etc) for accessing REST-based services.
Test/Example code
See the test cases in org.eclipse.ecf.tests.remoteservice.rest. Particularly the test classes: org.eclipse.ecf.tests.remoteservice.rest.RestRemoteServiceTest and org.eclipse.ecf.tests.remoteservice.rest.twitter.TwitterRemoteServiceTest.
There are a number of other, more complete and extensive examples available on ECF's Examples github site.
Documentation is available in Javadoc API. The REST client API is in these packages:
- org.eclipse.ecf.remoteservice.rest
- org.eclipse.ecf.remoteservice.rest.client
- org.eclipse.ecf.remoteservice.rest.identity
- org.eclipse.ecf.remoteservice.rest.util


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Many people obtain certain kinds of insurance through their employment, particularly health and disability coverage. Larger businesses may also offer retirement benefits, such as a 401(k) account. When changing jobs, rearranging coverage and finding out which accounts are portable becomes very important. A new job can also mean a change in lifestyle, which can also have an impact on insurance.
If changing jobs creates a change in the number of miles and where you drive, let the insurance company know. For example, if the old job involved driving a lengthy distance to work and the new job is closer to home and family, you may be able to save money on your auto insurance policy. If you take public transportation and only use your car for pleasure trips on weekends, that matters, too. On the other hand, if you use your private vehicle for business purposes, check with your employer about liability coverage. If you are in an accident, you should be clear whether liability coverage applies to your personal insurance or your employer's commercial coverage. Many of us try to increase our productivity by making business calls while driving. It's important to know if your employer has a policy regarding cell phone use in your private car, and whether they consider that business-related or personal time. States are increasingly encouraging or mandating the use of hands-free technology while driving. And, of course, keep track of your usage and expenses for tax purposes. Your auto coverage also comes into play when renting a car. If renting for business purposes, your employer may already have a policy in place. If you decline coverage offered at the rental car counter, your personal auto policy may pay for any damage to the rental car. Check with your insurance company or agent. Your credit cards may also provide basic rental car protection.
A change of jobs might mean you can work at home. Some companies now allow flexible working schedules. Your employer may also provide some office equipment such as a laptop or fax machine. Your employer's insurance should cover these items. Standard homeowner's insurance does not cover commercial business activity. If you are self-employed or do consulting or out-sourced work for a company, you may need your own professional liability coverage. If clients and vendors come to your home, you may need to buy a home business or small business owners policy.
A new job may mean a salary increase. The more you make, the more your family depends on that income, and the more important it becomes to protect it. Remember, the primary purpose for life insurance is to provide lost income if a wage earner dies. You should also be aware of the type of policy you have. If you participated in a group life insurance program with your former employer, that life insurance coverage will probably end when you leave the job, particularly if your employer purchased it. In some cases, you may be able to convert this to an individual policy, for example, when retiring. On the other hand, if you purchased insurance through a group insurance program and you paid for it through payroll deduction, for example, those policies are generally portable and can be taken with you. You would continue to pay on your own.
If you're changing jobs, one of your first concerns might be maintaining your health care coverage. Under the Consolidated Omnibus Budget Reconciliation or COBRA Act, the federal government requires employers with 20 or more employees to provide healthcare coverage for up to 18 months after a person leaves the job. Dependents are also included in the coverage. To continue receiving this group health insurance, you must inform your employer within 60 days. You continue to pay the full premium and administrative fees. If you do not qualify for COBRA, you may be able to convert your group policy to an individual policy. There are also interim or short-term options that provide medical insurance on a temporary basis, usually a few months. You can only renew this coverage once. The short term policy provides coverage for hospitalization, services such as X-rays and laboratory test, intensive care and surgical needs.
Disability insurance usually pays up to 70 percent of your income if you are unable to work temporarily or permanently because of an illness or injury. It provides for work-related and non-work related injuries. Ask about disability insurance when discussing benefits with your new employer. The availability of this coverage will vary from one employer to the next. Some employers may allow you to carry disability insurance to your new job, but it's not guaranteed. Even if your employer offers this coverage, it may be beneficial for you to obtain additional coverage through a private disability insurance policy. If you pay some or all of the cost of this coverage, when you are injured and require this benefit, the portion that you purchased will be tax deductible. If your employer pays for the coverage, it is considered a benefit and is fully taxable.
Long term care provides coverage for nursing home care. Some policies cover in home care, but not all. In order to qualify for long-term care, you must lose at least two of the functions of daily activity, such as the ability to dress yourself, or cognitive ability in order to trigger the coverage. You should be able to take your policy with you by converting to an individual policy. A premium increase is likely to accompany a conversion.
When changing jobs, in most cases, the major question is what to do with your 401(k) account. There are basically three options:
Leave it where it is; Roll it into your new employer's plan; or Convert your 401(k) into an Individual Retirement Account (IRA).
There is nothing wrong with leaving your 401(k) where it is. If you have more than $5,000, you can keep the money in the existing plan until you retire. Consider how your existing plan fit with your changing employment and economic needs. Another thing to consider is the relative financial health of your former employer. If you are leaving because you think your current employer is financially unsteady, take your 401(k) with you, particularly if much of the plan is invested in company stock. Many people have lost their retirement savings when firms filed for bankruptcy. Rolling your existing 401(k) into your new employer's plan makes sense, particularly if it offers more options. The process is simple, but make sure it's done properly so that excess charges are avoided. Finally, consider rolling your 401(k) into an IRA. This is the most flexible option because you get to decide how to invest the money. In the typical 401(k), you choose among a limited number of investment options. An IRA becomes a good choice if your new company doesn't have a retirement plan, or if they don't accept rollovers. This plan also allows you more control over your retirement plan.
With Permission © Insurance Information Institute, Inc. - ALL RIGHTS RESERVED -
issue 20022
issue 2021-2022
Agency NPN 17983521 Agency License 107813529


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With the highly anticipated Syria speech behind him, the path ahead for President Obama's effort to get congressional authorization of military strikes in Syria is no easier than before. In fact, post-speech, it seems more obstacle-strewn and steeper than ever.
The speech put Congress no closer to voting to authorize strikes. Even the timing of when Congress will hold votes is now an open question. Senate Majority Leader Harry Reid, D-Nev., postponed a planned Wednesday test vote and set no new date. House GOP leaders never announced a date for a vote and perhaps now won't have to.
The problem for the president is that whatever uncertain impetus there was for Congress to approve military strikes, it was slowed by Russia's proposal that the Assad regime place its chemical weapons under international supervision and that the U.N. be involved.
The paradox is that it was the big stick of threatened U.S. military strikes that apparently led Syria to officially acknowledge, for the first time, its possession of chemical weapons.
Now Obama wants the even bigger stick of a congressional authorization to keep pressure on Syria.
But that would mean a congressional vote. And many lawmakers are absolutely thrilled that there's an alternative to casting politically risky Syria votes that could come back to haunt them. (Another paradox is that the Russians gave both the Syrians and Congress an escape route.)
So, the congressional thinking goes, why not wait until the diplomacy string plays out, especially since every major poll shows sizable majorities of Americans oppose military strikes against Syria. (Give diplomacy a chance was the recurring theme in much of the congressional reactions after the speech.)
That means Obama and his national security team face days, perhaps weeks, of the challenge of countering this attitude that Congress need not act on an authorization until diplomacy has run its course.
What Obama needs now as much as anything else is more lawmakers like the bipartisan group of congressional leaders — including Speaker John Boehner, R-Ohio, and Minority Leader Nancy Pelosi, D-Calif., who have supported his request. Rep. Steny Hoyer, D-Md., the House Minority Whip, represents that view. He told a group of journalists Tuesday before the president's speech:
"I think it's important that we give the president credibility as the leader of our country, as the principal person for making foreign policy as well as the commander-in-chief. ... I don't think there's any doubt that the failure to do so will weaken our country, create a more dangerous international environment, and to some degree undermine the president of the United States."
But Obama's problem is that there aren't at least 217 more lawmakers in the House who would vote with Hoyer. And there likely aren't enough votes in the Senate, either.
It's worth noting that with the limited number of legislative days Congress has left to deal with huge fiscal policies like funding the government past September and increasing the debt ceiling, Congress doesn't have a lot of bandwidth to devote to a lengthy and complicated continuing debate over Syria.
If, and it's still a big if, Obama's threats eventually lead Syria to place its chemical weapons under international supervision and those stockpiles are destroyed, it would be a major achievement for the president. There would still be many questions, however, about the road, with its red line, that he took to get there.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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Welcome to Goodwill Industries of Southeastern Wisconsin & Metropolitan Chicago Donation Tracker. We're making it easier than ever for you to track your Goodwill donation receipts. With this new system, you will no longer have to hold on to your paper receipt. Once you register, the Donation Tracker will generate an electronic receipt for you and even send it to your email address. You will be able to add new donations as you make them throughout the year. The system also makes it easy for you to print a yearly summary of all your donations – perfect for tax time, when you need to claim a deduction for your charitable contributions. We hope you will find this system convenient and easy to use.
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Thinking about getting a dog? It's important to understand your breed's potential health issues and the steps your breeder is taking to reduce your puppy's chances of inheriting health conditions. Here's what you need to know.
A: Every breed is susceptible to certain health conditions or diseases. Just like humans, dogs can inherit health conditions from their parents. Responsible breeders make an effort to lessen the likelihood of their puppies inheriting these issues by screening their breeding dogs for heritable conditions and making informed matches when breeding.
A: Health testing is a vital piece of a responsible breeding program when heritable conditions are present, but diet, exercise, environment, and genetics can all factor into whether a dog develops a health condition or disease. When breeders use health testing to identify risk factors in potential breeding dogs, it can significantly decrease the likelihood of many conditions appearing during your dog's lifetime. Performing the proper health tests is key, but it's just as important to work with your breeder to understand how diet, exercise, and environmental conditions affect your specific breed.
Health issues vary widely across breeds
It's important to note that there isn't a one-size-fits-all approach when it comes to health testing. Breeders perform specific health tests on their dogs based on the common conditions and diseases found in their breed.
*Keep in mind: Reliable screening tests still don't exist for many hereditary diseases. Additionally, some health tests for complex conditions are not always predictive of the development or severity of the condition in the puppies. However, it's a powerful tool that responsible breeders utilize to produce genetically, physically, and emotionally sound puppies.
Fun fact
There are generally two different types of tests that can be performed, genetic health tests and phenotypic testing:
Genetic health tests can be performed on the DNA of dogs to screen for the presence of certain disease-causing mutations.
Phenotypic tests include physical examinations by veterinarians (or in some cases, specialist veterinarians) and diagnostic tests such as x-rays and ultrasounds.
Q: How do you think about reducing health issues in your puppies?
Q: What health problems commonly occur in Border Collies?
Q: Can you tell me about any health tests you perform on your dogs and why?
Q: If you have done health testing, where can I see the results?
Q: Have any of the dogs in your breeding program ever been afflicted with these conditions?
Explore Border Collie Breeders
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