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Download the ACE Permanent Exclusion booklet
Exclusion from maintained schools, Academies and pupil referral units in England: A guide for those with legal responsibilities in relation to exclusion
Good practice advice on behaviour from the Department for Education
Statutory guidance for organisations which work with and support children and young people who have special educational needs or disabilities
Permanent exclusion is the most serious sanction a school can give if a child does something that is against the school's behaviour policy (the school rules). It means that the child is no longer allowed to attend the school and their name will be removed from the school roll. Permanent exclusion should only be used as a last resort.
There are guidelines about what should be taken into account before excluding a child. This section will help you understand a bit more about exclusions and the process that should be followed
Only the headteacher has the power to exclude your child. Other members of staff such as heads of year cannot exclude, though they may provide information to support the head's decision.
All exclusions must be for disciplinary reasons only. All schools must have a behaviour policy setting out what the school rules are and this must be published on the school website. Schools vary in what they will permanently exclude for. However permanent exclusion should only happen:
In practice this means that there are two likely scenarios for a permanent exclusion
The head's decision to exclude must be taken on the 'balance of probabilities'. That means that it is more likely than not that the pupil did what they are accused of. This is not the same as the 'beyond reasonable doubt' standard required in a criminal case.
It is unlawful to extend or lengthen an exclusion for a non-disciplinary reason such as:
Pupils can be excluded for behaviour outside school, this may include behaviour on school trips, on the way to and from school and behaviour which may bring the school into disrepute. Cyber-bullying which takes place out of school may also lead to an exclusion.
Where practical, a head teacher should allow a pupil to present their case before deciding whether to exclude. If this hasn't happened, find out your child's version of what happened and send this into school yourself.
Sometimes schools may ask parents to keep their child at home without excluding them. This is often portrayed as doing the parent and child a favour by not making it official. This is not lawful, even if you agree to it. If the head teacher does not want your child in school for disciplinary reasons they must go through the formal exclusions process.
Unofficial exclusions can easily lead to a child missing considerable amounts of education or even dropping out of the system altogether. It also means that you lose your rights to make representations to the governors or to attend a meeting.
Children should not be asked to stay at home because the school can't provide for their special educational needs or to get them out of the way during an inspection. If this happens, remind the school that this amounts to an unlawful unofficial exclusion. You may also wish to tell the exclusions officer in your local authority that this is happening.
Sometimes children with special educational needs can show poor behaviour because they are feeling frustrated in their learning. They may also have emotional difficulties or a disability which affects the way they behave.
Before excluding a child with SEN, the school should look first at what additional support is needed or whether a different school would be more suitable.
If your child has an Education Health Care (EHC) Plan then the school should consider bringing forward the annual review or holding an emergency interim review.
Headteachers should, as far as possible, avoid permanently excluding children with EHC plans.
Before deciding to exclude head teachers should take account of factors that may have affected the child's behaviour. These might be:
Where children are at risk of exclusion, schools should look at early intervention to address the underlying causes of the poor behaviour.
If a child shows persistent disruptive behaviour, heads should consider a multi-agency assessment. This may pick up unidentified special educational needs but also wider family issues affecting the child. A multidisciplinary assessment may be carried out under the Common Assessment Framework. This is commonly known as a CAF assessment but may be called something different in your local authority. It provides an opportunity for different agencies and services involved with a child to share information, identify needs and agree any actions.
Some groups are overrepresented in exclusion statistics. These include children with SEN, children eligible for free school meals, children from particular racial groups and looked after children. Headteachers should look at providing extra support to these groups to try to reduce the risk of exclusion.
Schools should work together with foster carers, children's homes and the local authority that looks after the child to try to avoid exclusion. This might include putting in additional support or looking at whether a different school would be more suitable. If you are a foster carer you have the same rights in education law as other parents if the child you look after is excluded.
Headteachers should, as far as possible, avoid permanently excluding looked after children.
This section explains what happens once your child is permanently excluded and what the options are for their future education.
If your child is permanently excluded, you must be notified in writing without delay.
The letter must tell you:
If your child is of compulsory school age, you must also be told about your responsibilities to keep them at home during the first five days of the exclusion.
If you haven't had a letter by the end of the first day of exclusion, you should contact the school to check that your child has been formally excluded. You could remind the school that informal exclusions are not allowed.
This may be an opportunity to negotiate with the school for an alternative such as a fixed period exclusion or a managed move to another school.
Even though your child is not allowed on the school site, they still should be receiving education. Schools should take reasonable steps to set and mark work for the first five days of any exclusion. If no work has been sent home, contact the school and ask for some. Many schools have work available to pupils on the school website. Any work set should be accessible and achievable to pupils outside school.
During these five days you are responsible for your child's whereabouts. You must make sure they are not in a public place without reasonable justification during school hours. This duty is similar to that on school attendance and you could be fined if you breach it. The fine is £60 and goes up to £120 pounds if you do not pay within 28 days. Failure to pay within 42 days could lead to prosecution.
If your child has been permanently excluded, the local authority has a duty to provide suitable full-time alternative education from day 6. This is most likely to take place at a pupil referral unit or other alternative provision.
If your child has an EHC plan, the alternative provision must be able to meet the child's needs as set out in EHC plan. The placement must be identified in consultation with parents.
For looked after children it is recommended that alternative educational provision start from the first day of an exclusion.
Local authorities do not have to provide alternative education for children who are below or above compulsory school age.
Initially your child will probably be given a place in a pupil referral unit or other alternative provision. You may be happy for them to remain there for a while so their needs can be assessed or you may wish to try to find a place in a new school as soon as possible.
The fair access protocol (FAP) is a local agreement for getting children without a school place back into school as quickly as possible. The protocol must also cover provision for children who are not yet ready to go back into mainstream schooling. Permanently excluded children will be covered by this. Children can be placed under the FAP even if a school is full.
You can also apply for a school yourself under the normal admissions system and in most cases appeal if the school is full. See the ACE booklets on 'Applying for a school' and 'Appealing for a school'.
There are some cases when a school may refuse admission even if it has places available. These are:
If your child has an EHC plan, the LA will need to change the name of the school after a permanent exclusion. You have a right of appeal if you disagree and want a different school. See the ACE booklet 'Getting the EHC Plan right'.
In this section you can find out how to challenge the decision to permanently exclude your child.
If the exclusion is not officially permanent or if you think the head may be persuaded to withdraw it, you could negotiate for an alternative.
Ask for a meeting with the head to discuss this. Before the meeting think carefully about what might be best for your child. You could ask for:
If it is a one off offence and your child has not otherwise been in trouble, then a letter from the young person asking to be given another chance may help.
However it's important to understand that the head does not have to change their decision even if you think it is wrong or unfair. You should then concentrate on making a good case to the governing body.
Responsibility for reviewing exclusions lies with the governors of the school. This may be delegated to a subcommittee which may be called the discipline committee. The subcommittee must have at least 3 members.
The governors must be informed of a permanent exclusion without delay. They must meet within 15 school days to consider the exclusion.
You as a parent must be invited to attend the meeting and put forward your views. You have a right to be represented and also to take a friend with you.
If the governors decide not to reinstate your child in school you may ask for their decision to be reviewed by an Independent Review Panel (IRP). The IRP does not have the power to reinstate your child but may direct the governors to look at their decision again.
There are a number of documents that may be useful to you if you are challenging your child's exclusion:
If you are planning to challenge the exclusion, request these in writing from the school straight away.
This section will help you put forward your views to the governors. It is sensible to do this in writing even if you will be meeting them in person. Keep copies of all letters and emails.
It is fairly rare for governors to overturn a head teacher's decision to permanently exclude a child. You will need to convince them that the decision to exclude your child permanently was not lawful, reasonable or fair. Make sure you have read section 1 of this guide so you understand the rules around exclusions.
Check that the school has followed the proper procedures in accordance with the guidance. Was it the head who excluded the child?
Were you notified in writing without delay? Did the letter give reasons for the exclusion?
What reasons are given for the exclusion? Are these genuine disciplinary reasons? See above - When exclusion is not allowed for a list of invalid reasons.
Has your child committed a single serious breach of the school's behaviour policy? This could be something like seriously assaulting a teacher or another child or bringing a knife or drugs into school.
Has your child been repeatedly in trouble in school? Have they persistently done things that are against the school's behaviour policy?
Check the school's behaviour policy.
If you think that your child did not do what they are accused of or were not involved to the extent the school says, then you will need to consider the evidence very carefully.
Remember that the standard of proof for an exclusion is that it is more probable than not that your child did it.
Talk to your child about what happened. It is sensible to do this as soon as possible. Try to get them to focus on the facts of the incident. You may wish to ask some direct questions such as
Your child's school record, the incident report and any witness statements will be useful here. Do they reflect your child's view of events? Are there differences between the statements? Highlight any inaccuracies. Are there important people who were not asked for a statement? If so you could ask the school to get their views
Has your child been in trouble before? Is it likely that they would behave in this way?
Sometimes children with an otherwise good record do get caught up in misbehaviour and do something silly. Teenagers in particular do not always think through the consequences of their actions.
The second condition for permanent exclusion is that allowing your child to remain in school would be harmful to the education or welfare of others in the school? Think about the effect your child has on other children. Are they seriously disrupting the class? Are they a risk to other children or staff? If it's a one off serious offence, how likely is it that it will happen again?
Look at the school's behaviour policy. What do they say about behaviour of this type? Do they generally exclude for this offence? Does the policy say something different to what has happened to your child? Are they applying their behaviour policy consistently? If other children were involved in the incident, how were they treated? Were they given the same punishment?
Was your child affected by anything going on at home or at school? This could be a family bereavement or divorce or bullying at school. Was this something you told the school about?
If your child has been bullied, was the school's anti-bullying policy followed? Have you raised concerns with the school before?
If your child has been having ongoing problems with behaviour, has the school put in support to try and address this? Have they considered a multidisciplinary assessment involving external agencies and services?
Schools must not exclude children simply because they have SEN. If your child does not have identified SEN, has this ever been considered? It may be something that you have already raised with the school.
How do your child's special educational needs affect their behaviour?
Has the school followed its SEN policy?
Was your child receiving the support they should have been? For example, if the EHC plan says your child must have one to one support at playtimes and this wasn't forthcoming, was the incident a result of the lack of support? Has an early interim review of the EHC plan been suggested by the school? An interim review could look at putting in additional support or identifying an alternative placement?
Was the exclusion affected by something like race, gender, disability, sexual orientation?
If your child has a disability, was the behaviour they are being punished for a direct consequence of their disability?
Were there reasonable adjustments the school could have made to avoid the incident? Give examples of what they could have done differently.
More information is published in the Technical guidance for schools from the Equality and Human Rights Commission.
You may think the punishment is too severe for what your child did. Have a look at the school's behaviour policy. Is there a scale of punishments related to the seriousness of the offence? What alternatives might have been available?
This section explains how the governors' meeting will be run.
The following people must be invited to the meeting:
If the school is an Academy you may ask for a local authority representative to be invited to the meeting. They will not be invited if you do not ask for it and governors will need to agree if they can make representations or just observe the meeting.
Other people who may attend:
When the governors send you the papers they should include a list of everyone who will be present at the meeting.
The governors must meet within 15 school days after they have been informed about the exclusion. They must try to arrange the meeting at a time that is convenient to everyone.
The governors should ask for written material to be sent in before the meeting. That would include witness statements and information from the school about a child's SEN.
They should try to circulate the papers at least five days before the meeting so you have a chance to read them.
If any new papers are brought up at the hearing, ask for a short break in order to read them
The governors should not discuss the exclusion with any of the parties outside the meeting. That means that they shouldn't have a private meeting with the head teacher about it without you there.
Parents may be accompanied by a friend or representative. Think about what will help you and who can go with you. This could be a personal friend or a family member. It can be helpful to have another person to take notes to leave you to concentrate on presenting your case. There may also be community organisations that can support you. If your child has SEN, contact your local Special Educational Needs and Disability Information Advice Support Service (SENDIASS). Their contact details will be on the local authority website.
If you have a disability, the governors must take steps to make sure you are not put at a disadvantage because of this. You may want to ask for an accessible venue or materials in alternative formats or even a bit of extra time to present your case.
All parties should be supported to participate and have their views heard. Make sure you ask if you need any other support such as an interpreter.
Your child's views are really important and they should be encouraged to go to the meeting if possible. They could also be supported by being allowed to bring a friend or given information in a way that they can understand.
Think about the best way for your child to be involved. Particularly for younger children, it may be upsetting or confusing for them to attend the whole meeting. In this case it may be better for them to come to part of the meeting to give their views or an apology and then leave.
The order of the hearing is not set out in guidance. A typical order of proceedings might be:
The parents and the head will then be asked to leave, as the governors must make the decision on their own. A clerk may stay with them to help by referring to notes of the meeting.
The governors must decide whether to reinstate your child in school. When making their decision, they must:
They will look at the facts on balance of probabilities and consider whether the head's decision was lawful, reasonable and procedurally fair.
Minutes should be taken of the meeting as a record of the evidence that was taken into account.
The governors have two options - they can either:
If reinstatement is not practical because you do not want your child to go back to the school, the governors must still consider whether the head teacher's decision was lawful, reasonable and procedurally fair.
The governors should log the outcome on the child's school record along with copies of the relevant papers
The governors must let you know the outcome and the reasons for their decision in writing without delay. This must be written in plain english that you can understand.
If they decide not to reinstate your child in school the letter must also tell you:
If your child has a disability which affected the exclusion and you feel that the governors did not take this into account, you may make a disability discrimination claim to SEND. See ACE's booklet on Disability Discrimination for more details.
The Equality Act 2010 covers discrimination based on a range of 'protected characteristics'. For pupils in school these are disability, race, sex, religion or belief, pregnancy or maternity, sexual orientation or gender reassignment.
Exclusion from school is specifically covered by the Act. This does not mean that a school cannot exclude a pupil with a protected characteristic, but they must not do it just because for instance the child has a disability or is from a particular racial group.
Schools must also make sure that their policies such as the behaviour policy or uniform policy do not unfairly disadvantage pupils with protected characteristics.
Disabled pupils must also not be discriminated against because of behaviour connected to their disability unless there is a very good reason for it. For example, a child with autism who is very literal in what she says should not be treated in the same way as another child who is deliberately rude to a teacher.
Schools must also make 'reasonable adjustments' to the way they do things in order to avoid disabled pupils being put at a disadvantage.
Children with special educational needs and disabilities are statistically more likely to be permanently excluded than the average. If your child has a disability, whether formally diagnosed or not, which affected the exclusion, you can make a claim to the First-Tier Tribunal for Special Educational Needs and Disability (SEND).
The IRP's role is to review the decision of the governing body to check that it was properly made. The IRP cannot reinstate a child. It can only recommend or direct the governing body to reconsider the exclusion. The rules around IRPs are highly complex and this is just a summary. For full details go to the Government guidance.
The letter you get from the governors will tell you who to write to in order to ask for an independent review panel meeting.
You have 15 school days from the date of the letter to ask for a review. It is important to send in your response in good time, as if you miss the deadline your application will be rejected.
At the same time you can ask for:
The IRP meeting must take place within 15 school days of your application being received. The meeting may be adjourned if necessary.
Think about whether there is anyone you want to be there as a witness. You can ask for a character witness to attend if the panel agrees.
The head and the governors have right to be represented. They may be represented by lawyers but this is not often the case. You as parents also have a right to be represented, including by a lawyer. You would need to arrange this yourself. You can also take a friend.
As with the governors meeting, the clerk should try to make sure that the papers are sent to all parties 5 school days before the review.
You should also be told who will be at the meeting and what their role will be.
The panel will take into account all evidence that was before the governing body. They can look at new evidence but they may be limited in how they can use it.
It is particularly important to flag up any evidence that you put forward that you think the governing body ignored or evidence like school policies that the governing body ought to have been aware of but weren't.
There may also be completely new evidence that has come to light since the governors' meeting. This could be something like a new diagnosis of a particular disability affecting your child. The panel can look at completely new evidence when deciding whether to recommend reconsideration by the governing body, but not when deciding whether to quash the decision
The principles relating to fair hearings for the governing body meeting also apply to the IRP hearing.
You have a right to have your views properly heard and guidance also states that the review "should be conducted in an accessible, non-threatening and non-adversarial manner".
The meeting is likely to follow a similar order to the governing body meeting. The chair should explain the procedure to you at the beginning of the hearing.


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Strengthmax Platinum Glute Drive
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All of our deliveries our done generally in a 24 to 72 hour period as long as items are in stock.We use JMC Van Trans for all of our Pallet orders and GLS for our parcel service. Please call us on 01-899 1679 when placing your order for a quote on delivery charge if not already stated on our website. Single pallets are usually 55eu and larger double pallets due to size/weight are 120eu. Parcel charges usually range from 11eu to22eu depending on the size and weight of the product. All products online can also be collected instore at no cost and if you are within the greater Dublin area we can offer a delivery from as little as 25eu on Pallet items.
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Week 9
Your Baby's Development
The tail at the bottom of your baby's spinal cord has shrunk and almost disappeared by this week. In contrast, your baby's head has been growing — it's quite large compared with the rest of the body and it curves onto the chest.
By this week, your baby measures about 0.6 to 0.7 inches (16 to 18 millimeters) from crown to rump and weighs around 0.1 ounces (3 grams). The tip of the nose has developed and can be seen in profile, and flaps of skin over the eyes have begun to shape into eyelids, which will become more noticeable in the next few weeks.
The digestive system continues to develop. The anus is forming, and the intestines are growing longer. Internal reproductive features, such as testes and ovaries, start to form this week.
Your baby may make some first movements this week as muscles develop. If you had an ultrasound now, those movements might even be visible, but you won't be able to feel them for several more weeks.
Your Body
In preparation for your first prenatal visit, take the time to familiarize yourself with your family's health history and to review your medical records:
- Have you had any chronic illnesses, allergies, or surgeries?
- Are you taking any prescription medicines?
- Do you know of any genetic disorders that run in your family?
- Has your menstrual cycle been regular, and have you had any past pregnancies?
- What are your exercise habits?
These are some of the things your health care provider will want to discuss with you, so it will help to have this information ready when you go.


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6 Tips and 90 Days to Protect Your Business
There can be no way around it, Inc. contributor Brian Hamilton's April 2020 COVID-19 centered article, "6 Actions to Take in the Next 90 Days to Save Your Business," isn't pulling any punches. Hamilton, Founder of the Brian Hamilton Foundation, believes that the next 90-days could be make or break days for business owners looking to navigate the choppy waters of the COVID-19 pandemic. His latest Inc. article provides readers with 6 actions they should take now to survive the economic fallout of the COVID-19 pandemic.
Tip #1 Vigorously Control What You Can
Hamilton's first tip is to "Vigorously control what you can. Vigorously ignore what you can't control." As Hamilton points out, you can't control the economy; instead, you need to focus on what you can control. His view is that there has never been a more important time to focus, "More than ever, you'll need to go to war with things within your control." Now is the time to exercise control.
Tip #2 Guard Morale
During tough economic times, employee morale can be a real issue. This brings us to Hamilton's second point, "guard employee morale." Significant drops in employee morale can lead to serious problems with your business, which is exactly what you don't want to see right now. Hamilton notes that you have to be the general that helps his or her troops rise above potential panic.
Tip #3 Preserve Cash
Hamilton's third tip is to "preserve cash where you can." He states, "Right now, your motto should be: Live to fight another day." The pandemic means that you need to keep expenses down and watch every dollar. No one knows what the next few months, or the next couple of years, could have in store.
Tip #4 Be First in Line
"Be first in line," is Hamilton's fourth point. Hamilton wisely pushes business owners to be the first in line for government assistance. This is very good advice, as SBA and other funds are likely to be limited.
Tip #5 Get Back to the Basics
Fifth, Hamilton recommends, "Get back to the basics…starting with monomaniacal customer service." As always, customers, whether existing or new, are the lifeblood of your business. You can't afford to lose customers now and for this reason, you need to have a laser-like focus on customer service.
Tip #6 Pivot your Product or Service
Hamilton's sixth tip is to "Pivot your product or service to new conditions." Small changes to your business can open up new streams of revenue. Even if these streams of revenue are comparatively small, they could mean the difference between sink or swim! Try to step back and look at your business with fresh eyes and strive to find ways to offer something new to your customers. Whatever you offer should be based on your existing goods and services and not require a new, large expenditure.
The COVID-19 pandemic is obviously disruptive, but it won't last forever. Hamilton's advice of focusing intensely on the next 90 days is sound advice. You won't regret looking for ways to safeguard your business for the next 3 months.
Copyright: Business Brokerage Press, Inc.
The post 6 Tips and 90 Days to Protect Your Business appeared first on Deal Studio – Automate, accelerate and elevate your deal making.


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With Rents on the Rise – Is Now the Time To Buy?
According to recent data from realtor.com, median rental prices have reached their highest point ever recorded in many areas across the country. The report found rents rose by 8.1% from the same time last year. As it notes:
"Beyond simply recovering to pre-pandemic levels, rents across the country are surging. Typically, rents fluctuate less than 1% from month to month. In May and June, rents increased by 3.0% and 3.2% from each month to the next."
If you're a renter concerned about rising prices, now may be the time to consider purchasing a home.
Monthly Rents Are Higher Than Monthly Mortgage Payments
When you weigh your options of whether to buy a home or continue renting, how much you'll pay each month is likely to top of mind. According to the National Association of Realtors (NAR), monthly mortgage payments are rising, but they're still significantly lower than the typical rental payment. NAR indicates the latest data on homes closed shows the median monthly mortgage payment is $1,204.
By contrast, the median national rent is $1,575 according to the most current data provided by realtor.com. In other words, buyers who recently purchased a home locked in a monthly payment that is, on average, $371 lower than what renters pay today (see graph below):
Rents Are Rising Sharply, and They Continue To Increase
The difference in monthly housing costs when comparing renting and home buying today is significant, but many would-be homebuyers wonder about the future of rental prices. If we look to historical Census data as a reference, the median asking rent has risen consistently since 1988.
The rise in rent over time clearly shows one of the major advantages home ownership has over renting: stable housing costs. Renters face increasing costs every year. When you purchase your home, your mortgage rate is locked in for 30 years, meaning your monthly payment stays the same over time. That gives you welcome peace of mind and predictability for many years ahead.
Bottom Line
With rents continuing to rise across the country, renters should consider if now is the right time to buy. There are multiple benefits to buying sooner rather than later. Talk with your trusted real estate advisor so you can make your most powerful decision.
source: keepingcurrentmatters


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You'd rather miss a training session than a meal. Shit, diet is that important to a bodybuilder. It's an area that doesn't allow for any bad days or mistakes. You ready to make the sacrifice?
It all begins with meals.... Got a favorite recipe you want to share? Looking for a new one to try?
Baked Oatmeal
11-14-19, 4:33 pm
Wanna know how to bulk? Looking for answers on cutting? Basic answers to basic questions here.
16:8 IF, Thoughts?
02-27-23, 4:47 am
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UN Secretary-General to Deliver Major Address on Disarmament & Nonproliferation at MIIS Jan. 18
United Nations Secretary-General Ban Ki-moon will deliver a major address on disarmament and nonproliferation at the Monterey Institute of International Studies on Friday, January 18. The event is being co-hosted by the Institute and its James Martin Center for Nonproliferation Studies (CNS), the world's leading research center focused on preventing the spread of weapons of mass destruction.
Secretary-General Ban Ki-moon's address, titled "Advancing the Disarmament and Nonproliferation Agenda: Seeking Peace in an Over-armed World," will discuss a range of disarmament and nonproliferation challenges facing the United Nations and the international community. At the conclusion of his address, the Secretary-General will engage in a question and answer session with the audience, which will include Monterey Institute students, faculty, staff, alumni, supporters and friends.
As Secretary-General, Mr. Ban's priorities have been to mobilize world leaders around a set of new global challenges, from climate change and economic upheaval to pandemics and increasing pressures involving food, energy and water. He has sought to rejuvenate the disarmament agenda through a five-point plan, efforts to break the deadlock at the Conference on Disarmament and renewed attention to nuclear safety and security in the aftermath of the tragedy at the Fukushima Daiichi Nuclear Power Plant.
"I grew up in war," the Secretary-General has said, "and saw the United Nations help my country to recover and rebuild. That experience was a big part of what led me to pursue a career in public service. As Secretary-General, I am determined to see this Organization deliver tangible, meaningful results that advance peace, development and human rights."
"We are delighted and honored to host the Secretary-General at the Monterey Institute," commented MIIS President Sunder Ramaswamy. "Numerous Institute alumni work at the United Nations and its associated agencies today, putting our commitment to training the next generation of international professionals into practice."
The Secretary-General's visit to Monterey comes at the invitation of CNS Founding Director William Potter. Established at MIIS in 1989, CNS maintains offices in Monterey and Washington, DC, and also operates the Vienna Center for Disarmament and Non-Proliferation in collaboration with the Austrian Foreign Ministry.
The Monterey Institute's unique Master of Arts in Nonproliferation and Terrorism Studies program builds on the world-class expertise resident in CNS, as well as the Monterey Terrorism Research and Education Program (MonTREP). The Monterey Institute is also home to one of the world's most highly regarded programs for professional translators and interpreters, and well-known programs in international policy studies, public administration, and international environmental policy.
Please note that due to limited seating availability, attendance at this ticketed event is for invited guests and credentialed media only. View the video of the live-streamed event that started at 10:30 A.M. on Friday, January 17.
For More Information
Jason Warburg
Eva Gudbergsdottir


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Your take on the story so far; its impact, twist and turns, and speculations about the future of Rubi-Ka.
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MBI Associates Inc.
330 Sunrise Hwy Ste 240
Rockville Centre, NY 11570-4913
MBI Associates Inc.
MBI Associates Inc. is an New York collection agency. New York collection agencies can help businesses, medical practices and facilities that are creditors to collect their accounts receivable. Debt collection help might include; collection demand letters, debt collector phone calls, credit reporting to credit bureaus and legal proceedings including lawsuits.
As with any business, if you are considering hiring MBI Associates Inc. to collect your debts, you should contact their local Better Business Bureau and check their references.
You should be certain that MBI Associates Inc. is abiding by the Fair Debt Collection Practices Act (FDCPA), the main law that regulates collection agencies. You don't want to damage your reputation or create a liability for you business by using a disreputable debt collector.
You might also want to find out if the New York Attorney General has taken any action against them for privacy violations or not abiding by collection agency regulations. You should also know that they are in compliance with all New York collections laws including (but not limited to):
- New York Collection Agency Bond & Licensing Rules
- New York Statute Of Limitations
- New York Interest Rates (to avoid usury)
- New York Wage Garnishment Exemptions
- New York Bad Check Laws (NSF)
MBI Associates Inc.
mbi associates


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Listing Inquiry - MLS# R2819396
Thank you for your inquiry into this listing. Simply leave your name and contact information below and Ian Brett will get right back to you (usually within 60 minutes).
Ian is not only a REALTOR®, but also has training in negotiation and consensus building to help you get the home you want for the price you want. Did you know that there is no cost to you at all? When Ian has an agency agreement with you, he is paid by a share of the commission from the seller.


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The giveaway includes: The Queen of Hearts Dress, wig and crown and striped tights and red pettiskirt. The Alice in Wonderland Dress. The rabbit mask. TO BE ENTERED PLEASE LINK TO THIS POST. EITHER USE THE LINK AT THE BOTTOM OF THIS POST OR CREATE YOUR OWN.
For the Queen of Hearts dress, I tried to exact every small detail. (Notice the pintucked upper bodice:) Of course, there were a number of things I could not find. The gold and red paisley overskirt material wasn't available at any store I visited. So I bought the gold striped material instead and bustled it with black and red striped gold buttons. Bustles just look better anyway.
Lily was surprisingly cooperative about all the makeup. I think she has this little girl obsession with it. Plus when I told her that I was going to make a heart shape on her lips she became excited and ran to the mirror before I could even finish.
If you want to know how I made Lily's makeup, here is a REALLY perfect tutorial. Kandee, a makeup artist in LA explains how to make various costume makeup tutorials as well as basic everyday makeup tutorials. Very handy.
The jewelry detailing on the upper bodice was all done by hand. I mean with pliers and metal cutters. I can't tell you how many details went into this dress. There might just be a hundred buttons. And did I mention I didn't use a single pattern.
It literally took weeks to finish. Of course I didn't work on it everyday but from the first day I started to the last day (being today) weeks have passed. Seeing it on the mannequin was so rewarding. And making the patterns was so much easier with it. I didn't have to ask Lily to take her shirt off once.
Molly's little Alice costume was a little easier to make:) But simply ADORABLE none-the-less. I did use a pattern for the upper bodice. But the sleeves, skirt collar and apron sleeves are my own.
I brought a black ribbon to go in her hair but forgot to bring a scissors to cut it. So that was a bust.
We brought so many props that just never got used and it was such a shame. Brian had a black umbrella. Lily had a scepter. I brought a red paint can and painted brush for Molly.
The croquet set I brought down from my mother's attic. That alone should be worth something because it was in the back where the light doesn't shine and nothing has been touched for decades.
Her house is literally crawling with centipedes so I didn't even want to know what was waiting to crawl onto my hands when I put my fingers around the top. Once I got it down the stairs and into the light, things didn't look half bad. We've had it since I was born, probably longer, so it's from the 70s. While I wiped it down my mother told me a sad story about how she always hoped to use it for parties.
I'm glad we took a lot of pictures of Lily and Molly in these dresses because it will break my heart to give them away. I'm hoping the winner will be able to put them to good use.
Molly was so difficult to shoot. We went after I picked Lily up from Kindergarten so by the time I got her makeup on and the car packed the sunlight was quickly fading so I had to set my shutter speed low.
In retrospect I should have used a different lens with a wider aperture or bumped my ISO to 400 but in the heat of the moment everything flies out the window. Photographing children is SOO HARD! Molly does not sit still. Not if you beg, plead or bargain with her. She runs around and screams and looks like a blur on the lens.
The queen's wig was purchased at chasing fireflies and is made for a child's head so it fit Lily to a T! I was lucky to find it, though I wish it had been a little cheaper. It's almost worth entering for that alone:)
What I really like about the queen's dress is that you can wear a long sleeves v-neck shirt underneath and pants. So on cold Trick or Treat nights you don't have to worry about compromising the look of the costume.
In case you missed it, a red pettiskirt is also included. This can be worn underneath the queen of hearts skirt to puff it out but it can ALSO be worn by itself as a pettiskirt. It's the same one featured here.
Lily was excited to submit one of these photos for the Sprouterrific Halloween Costume Contest. I think it was partially responsible for her motivation to do the photos. Not five minutes after I sat down to my computer to upload the photos from the camera did she ask if I sent a photo yet. Here's hoping she wins something:) I forgot to send a homemade card on her birthday so I need to do some make up work.
Oh, I didn't really say too much about Molly's costume. Well, I added little rounded pockets on the apron. The first time we put the finished costume on her was at the shooting location. Our initial reactions were 'awwww'. If I had the extra time I would have made a pettiskirt for underneath her skirt as well. If you win and have an extra one I would recommend using it. I think it would add that extra pinch of cuteness.
Since the Queen of hearts is known for her short temper, I would have also made a card costume for myself so that Lily would have someone to abuse in the photos, if I would have had enough time.
As it turned out Brian had to be that willing participant. But as you can see, it was Lily's favorite part of the shoot.
Both Lily and Molly enjoyed chasing him through the hedge maze and around the amphitheater.
We were really lucky to score a semi decent day this late in October. It was still warm enough to wear short sleeves. The sun came out once or twice and most importantly, IT DID NOT RAIN. It is supposed to rain through the rest of the week so I knew if I was going to post these pics it would have to be soon!
I'm trying to think of new set designs for my indoor (makeshift) studio. Not only is it warmer but it's a lot easier to control the babies downstairs.
This will probably be one of my last outdoor photo shoots until April. One of the things I hate about living on the east coast is the weather. Give me a hot and humid over frozen and blustery any day, though neither really appeal to me. Days like today, when the temperatures are in the 60s to 70s are just what I love.
My mother was born and raised in Hawaii then moved to California after she was married. Why they moved to Pennsylvania I'll never know.
I once read a strange statistic about Pacific Islanders that said something like only 1-2% of native born Pacific Islanders move to the East Coast. Really? Maybe I somehow read that wrong?
Another prop I wish I could have found were flamingos. But how many times do you see stuffed flamingos? I used to work at Hersheypark as a teenager. I once worked at this game called 'Rising Waters'. Whenever people played it sang the main reframe of Kenny Loggins' "I'm Alright". After 100 games it was enough to drive you to tears. But the prize for winning? A FLAMINGO! I bet they still have them there now.
I kind of thought Lily's hair looked like it would also work for an 'Annie' costume. Speaking of Annie, Molly at only 2, has a concerning obsession for the movie and requests to watch it everyday.
She is absolutely terrified of the telephone. When Brian calls I ask if she wants to talk and she immediately collapses on the floor in tears. I asked her if she wanted to call daddy, she shook her head no. Grandma? No. Grandpa? No. Lily? Pause, no. Annie? Yes. Annie, are you sure? YES! She's obsessed I tell you!
Wow. This post is taking a long time to write! So many photos! It is like three costumes in one post. It's now 1:40 in the morning and I have the season finale of 'Drop Dead Diva' playing in the background. It's a little scary how much 'Lifetime' I've found myself watching recently. I used to make fun of my mother for watching too much Lifetime. What does that say about me?
A good Jim Gaffigan joke: "My favorite channel is the Lifetime Channel because Lifetime is television for women -- Lifetime: Television for Women. Yet, for some reason, there's always a woman getting beaten on that channel."
The majority of these costumes I made while watching the Project Runway 24 hour marathon (also on Lifetime) which is exactly what one should watch when taking one a big sewing project. It makes you feel all creative and professional.
So there it is, I hope you liked this set. And please, check back soon for more Grosgrain Halloween goodness! There's still more to come!
I plan on entering Shabby Apple's Dare to Design contest and I have my dress all planned out in my head and ready to go. Now, to find the time to make it by November.
I would say that the Queen of Hearts dress would fit a 3T-5T. Maybe 6T? Depending on how big your child is. The Alice in Wonderland costume would fit an 18month-2T.
The rabbit mask would fit an adult. ALTHOUGH, when I bought it online it said it was for a child. So probably both?
If you'd like to win one of this costume set just link to this post either using the 'create a link' at the bottom of this post or simply creating a post on your blog and including this link.
If you have any questions see the "questions and answers" link to the right. If you use blogger just use the "create a link" link at the bottom of this post. If you don't use blogger, that's fine too. Just create a link on your page as you normally would and I will see it using Technorati.
Create a Link
j.crew, j crew, jcrew, ann taylor, ann taylor loft, modcloth, express, gymboree, the children's place, gap, baby gap, old navy, the limited, crewcuts, gap the children's place, gap, baby gap, old navy, the limite


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Local SEO in Cayey, PR 00737
What Cayey Companies Need Local SEO?
For small and medium businesses looking to increase foot traffic to their physical store or office, Local SEO in Cayey, PR 00737 is the best way to accomplish their goals. Being on the first page of a local search – either on a desktop / laptop computer OR a mobile phone – for a particular service is super important in today's high-competition marketplace.
The process doesn't just optimize the site, it also increases the visibility of the business by optimizing business citations or business listings on web directories including Google My Business, Yelp and Yellow Pages. This allows the service or the office to be easily discovered by searchers. Click Here to Download our Free Guide to getting listed on the top Online Directories.
Local SEO in Cayey, PR can also make the business a household name and the go-to-place for a service or a product in Cayey. Business name, address and phone numbers are the most sought after information by local searchers making it very important for our websites to be optimized for this process.
Restaurants, dentists, clothing stores, automobile services, home services providers and lawyers are some of the niches that are the most likely to need Local SEO in Cayey because foot traffic is required to convert searchers into customers.
Nowadays, users look for websites and search results that tell them where, when and what they can do when they visit the location. Local SEO will give them exactly that. The alignment of this information is a crucial part of the optimization process.
Organic Search Engine Optimization
Organic SEO, on the other hand, is the process of getting a site to rank naturally through a combination of on-page and off-page work. Your site should be optimized to address issues in accessibility and content, to name a few. Links should be built via articles and other media to direct users to the pages you want to target, which will help bolster your site's authority on a national. Organic SEO requires more time to produce results, especially if the keywords chosen are very competitive. Success also requires the possible implementation of many changes to the site in order to fix problems that can hamper search engine optimization. You should also ensure you are listed in the top local directories for Cayey Businesses.
Though Organic SEO requires considerably more time to produce results than alternatives like Pay Per Click, once your website's authority is established, it will appear in the search results at no additional cost. It is also more practical to use Organic SEO when trying to rank an entire site (and not just a page).
Online, there are hundreds, if not thousands of opportunities for a business to grow. With the help of Local and Organic SEO, you can improve a website's ability to rank in the search engine results which increases the chance of getting found by potential customers.
Using our own tested methodology, our SEO packages help websites attain first page ranking. The packages include effective on-page optimization and link acquisition achieved through a mix of editorial submissions, guest blog outreach, video postings, and other link-building activities.
How to Determine If the Campaign Should Be Under an Organic or Local Package?
Organic SEO is ideal for websites that do business online or are competing nationally. Usually these are internet-based businesses that do not have brick-and-mortar stores – things like eCommerce websites.
Local SEO in Cayey, PR 00737, on the other hand, works best for any business with an actual geographical location also looking to drive foot traffic to a particular physical address.
SEO aims to increase a business' visibility to a targeted audience, but local SEO takes targeting even further. By focusing on customers and prospects in a specific area, local SEO can drive traffic to websites and physical establishments, which, in turn, makes it possible for a business to gain an edge against local competitors. Restaurants, retail stores, law firms, car dealerships, and even dental or medical clinics can benefit from local SEO.
Why Local SEO in Cayey, PR 00737?
- The Battle for Real Estate on the SERPs
The results that appear in the top spot of Organic Search don't take the stop spots in Local Search. - All the Benefits of Organic SEO
We follow the same methodology as with organic search, but with a few changes – citation and listings building, etc. We don't stop until your business is in the Snack Pack. - Higher Success Rate and Faster Results
You get a combination of marketing tactics that will impact the foot traffic of your business.
An effective local campaign requires a combination of geo-targeted optimization and content marketing, business listings and backlinks, and user-generated reviews.
One aspect of local search is maintaining brand consistency across all online properties, and this includes listing websites. We claim, verify, and manage your business listings on:
Google My Business, Yelp, Bing Local, Yahoo Local and Yellow Pages
Google's Business Guidelines change quite often, it is therefore crucial we make sure that the information on the business pages are correct and change as the business changes. Your local campaigns may also benefit from our social media services, which will cover your Facebook and Twitter accounts. We keep these listings and pages updated for your business.
Chapter II
Local SEO uses the same elements as traditional SEO does, but it requires a few specifically targeted elements as well.
This is the information search engines, listings or directories, and customers often look for when they first visit local business websites. A business' operating hours and contact information, which includes its physical address and phone number, should be displayed on every page of its website.
Keywords and phrases containing the business' location should appear in title tags, meta descriptions, and content. Simply targeting a city or state may not be enough to drive local leads. Going hyper local by targeting even more specific communities within your city can help get more customers through your doors.
Our SEO teams analyze where local website traffic is coming from and use that data to choose better geo-targeted keywords.
What are the differences between Organic SEO and Local SEO in Cayey, PR?
Organic SEO: independent of geographic location
Local SEO: tied to a physical store or office
Ranking and SERP
Organic SEO: goal is to rank high in organic results
Local SEO: goal is to get into the local listing pack (snack pack)
Organic SEO: obtain high quality, niche-related links to increase relevance in the eyes of Google
Local SEO: increase local visibility through citations, which include consistent mention of the business name, address and phone number
Quality backlinks is an important aspect of any SEO campaign, but citations are even more important for local SEO. Citations are brand mentions made by customers or other businesses on third-party websites. These brand mentions are key ranking factors in local search.
Your local listings and social accounts need to have unique content that goes beyond your business description, operating hours, and contact details. The best way to get this type of content is through customer reviews. Integrating links to your social media pages and business listings in your website, publishing press releases about your new listings, and engaging customers through
online content can also get them to share their thoughts. The best way to encourage positive reviews from your customers is by providing great services and quality products, however it's not the only way
The choice of doing Organic SEO or Local SEO depends on the nature of the business. If your business is not tied to any location, you would want to go for an Organic SEO campaign. On the other hand, if your business offers products or services in a particular geographical area, Local SEO would be the best choice.
With mobile becoming an important tool for search users each day, it's imperative that local businesses adopt a local SEO strategy that will allow them to leverage their business presence to where their customers are. It's not a matter of simply increasing traffic to your site, it's about staying geographically relevant to your audience and not losing out to your competitors.


text: fully expressive St. Cecilia at the Berlin Museum; whilst the Andromeda acquired by the same Gallery from the Blenheim Palace Collection, to have an unintentional likeness to the master's second wife. seems There is another Andromeda, belonging to his last period, in the Museum at Madrid, in which the dark metal of the armour of Perseus loosening her chains, forms an effective contrast to the luminous flesh tints of the maiden. Among the other Mythological scenes painted during the master's last years, are Diana at the Chase (with animals by Snyders) in the Berlin Museum; and a small picture painted as a design for the decoration of a ceiling in the Academy of Fine Arts at Vienna, which by the figures of Apollo and Diana in her Chariot symbolizes Day and Night,—the Rising and the Setting Sun. The last works of Rubens are mostly large altar-pieces. The Augustinian monks of Prague gave him in 1637 a commission for two pictures of colossal dimensions, intended to adorn the high altar of their Church, dedicated to St. Thomas. The subject of the principal painting was the Martyrdom of the Apostle Thomas in the Island of Ceylon, whilst the other represented St. Augustine and the Boy, who strove to empty the sea. These paintings, executed with the help of pupils, were sent to Prague in 1639, where they may still be seen in the positions for which they were designed. Rubens however executed entirely with his own hands another altarpiece for Cologne, known to have been ordered by the rich banker and patron of art, Jabach of that city; who, nevertheless, did not negotiate for it with the master himself, but dealt with him through the medium of a painter named Geldorp, residing in London. Rubens wrote to the latter in 1637 that the picture was not, as he had supposed at first, intended for London but for Cologne: "Sir, I have received your esteemed letter of last June, which does away with all my doubts. I could not understand for what reason an altarpiece should be wanted in London. With regard to the time, I should need about a year and a half to enable me to serve your friend comfortably and without hindrance. For some subjects are better painted on a large scale, while others come out more satisfactorily in smaller dimensions. If it were left to me to choose the episode in St. Peter's life, I should select his Crucifixion:-that moment when he is being nailed to the cross with his feet uppermost. It seems to me that this would give me an opportunity to create something really remarkable. But I leave the choice entirely to the giver of the commission, and until the size of the painting has been decided upon. I have a great affection for Cologne, where I lived until my 10th year, and I have often felt a desire to see it again after so many years. But I fear that the difficult times in which we are living and my work will interfere with the accomplishment of this wish and many more besides. I sincerely pray for your good-will etc"... The subject suggested by Rubens was accepted and the master set to work on the Crufixion of St. Peter. On the 2nd of April he wrote to Geldorp: "I hasten to inform you that the picture has made very great Fig. 117. THE FAIR. In the Louvre. After a photograph from the original by Braun, Clément & Co., Dornach, Paris and New-York. (To page 144.) progress and I hope that it may prove to be one of my best works. You may without hesitation inform your friend of this, but I should not like to he hurried in its completion. Nay! on the contrary, I pray that this may be left entirely to me, so that I may be able to finish it, at my own convenience. For the subject attracts me more than all the other works, although I am laden with work", And in very truth this Cologne altar-piece did become one of the most powerful creations of the master. Though the subject may not altogether appeal to us yet we cannot refrain from feeling the deep impression created by the master in the agonizing spectacle of the Martyr, whose muscular strength offers so much resistance to the brutality of his executioners. The artistic effect of the strong light, massed on the naked breast of the Saint and shining in a more subdued tone athwart the clouds, upon which a beautiful angelic youth bearing a laurel crown and a palm descends from heaven, shows that our painter was still in possession of his full artistic powers (Fig. 121). This painting dedicated to his Patron Saint, St. Peter, and destined for the town where he had spent his early childhood, he completed entirely with his own hands. In the beginning of 1640 he was still full of active enterprise. The King of England wished to adorn the bedchamber of his Queen, Henrietta Maria, in Greenwich Palace. Jacob Jordans, Rubens' gifted associate, having been suggested for the task, Gerbier, English Envoy at Brussels, received the necessary instructions to arrange the matter through the medium of the Abate della Scaglia. Gerbier however immediately wrote to England, to point out to the King, that Rubens would be the more suitable person for such a commission. Shortly after he began to negotiate with the artist on the subject, and in May 1640 Rubens made to the Abate della Scaglia the following proposition: that he would represent the Banquet of the Gods in the centre of the inlaid ceiling with The Loves of Cupid and Psyche on one side, and Psyche receiving Immortality on the other. It seems that Rubens did not wish to undertake more; but since the ceiling was divided into something like nine panels, he proposed that the six others should be adorned by other artists with grotesques or other decorative paintings, though certainly not figures. Thus the differences of style which would be sure to appear if similar paintings to his, were chosen, should not spoil the effect of the whole. A few weeks later Gerbier wrote to England: "Jordens now is the finest painter in Antwerp. The one who surpassed him is dead"! In a friendly letter which Rubens wrote in April 1640 to the sculptor Franz Dusquesnoy in Bonn, in which he thanks him for some casts, he expresses his belief that death would soon close his eyes, but he did not think that his end was so near as it proved to be. On the 27th of May he had an attack of gout aggravated by high fever, so that he expressed a wish to make his Will. The fortune which he left to his family might well be described a princely one. He had on one occasion said, not without Fig. 118. HELENA FOURMENT AND HER ELDEST SON. In the Pinakothek at Munich. reason, to the English alchemist Brendel, who proposed to teach him the art of making gold, that he had learned this art with his brush long before. His eldest son Albrecht received, as a special legacy, his books, whilst to his son Nicholas he left his collection of intaglios, gems and coins. To his wife he bequeathed one half-share of his Steen Estate and the other half of which he left to her children. With reference to his artistic property he desired that the whole of it should be sold, with the exception of his drawings, and a picture called Pelzchen ("the little fur"), which last was left as a personal gift to his wife. It is a life-size portrait of her at the age of eighteen, her figure wrapped only in a short mantle of black fur, loosely gathered round her shoulders and hips. This wonderfully executed picture,-never however intended for exhibition,-is now in the Imperial Museum at Vienna. The drawings were to be given to that one of his sons, who would devote himself to painting, or to that daughter, who might perhaps marry a famous artist. With regard to his interment, he requested that a mortuary chapel should be erected, adorned with an altar-piece painted by himself, representing the Virgin with the Infant Christ and various Saints: and with a marble figure of the Madonna, modelled by his pupil Lucas Fayd'herbe. According to the custom of the country a grand mourning banquet was to be given on the day of the funeral, at which were to assemble all his relations. A second feast was to be prepared at the Guildhall; a third for the Society of the "Romanists", a club of artists and savants who had resided in Rome, of which club Rubens had been a member since 1609; and a fourth for the Guild of St. Luke. The great master died of heart-failure about noon on the 30th of May 1640. The entire city of Antwerp mourned his death. Characteristic utterances on the part of contemporaries have come down to us in the shape of letters of condolence, written to his old friend Balthasar Moretus, and still preserved in the Plantin-Moretus Museum. "He was the most learned painter of the world" wrote the Abbé Philip Chifflet. The best panegyric, however, pronounced on the death of this great painter, whose greatest achievements in life after all had been in the realm of Sacred Art, was spoken by the Abbé of St. Germain: "He has gone" said he "to behold in heaven the living originals of his paintings". The funeral took place with great pomp on the 2nd of June. The whole of the clergy attached to St. James' Church, together with the Carmelite Friars, accompanied the funeral procession. Sixty orphans with lighted torches walked on either side of the bier; whilst all the higher officials of the Antwerp Municipality, the members of the Guild of St. Luke and hosts of friends and admirers of the deceased from all ranks followed the coffin. The church was draped with black and in various places the Rubens coat of arms was displayed. His corpse was at first deposited in the family vault of the Fourments, but later on was removed to the tomb which the widow built in the choir of St. James', Antwerp. According to the wish of the deceased the marble statue of the Madonna which Fayd'herbe had modelled was set up above the altar. The whole of the upper portion of this altar, together with the two figures of angels which adorn it, were probably also executed by the same hand. Over it is the |


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Based on its absolute magnitude (Hₒ) of 25.7 and an albedo between 0.25 and 0.05, the estimated diameter of 2018 KD2 is 20 - 40 m.
The interactive orbit chart above shows the near-earth object's path through the solar system and its position at the given date. Green and blue lines are shown perpendicular to the ecliptic plane: Green if the path is above the ecliptic plane, blue if it is below.
(Left-click and drag to rotate the view; right-click and drag to move the view; use scroll wheel to zoom in our out.)
The light curve chart below shows the estimated development of the NEO's magnitude during its approach to earth.
The following all-sky chart shows the path of the NEO in the coming months.
The following chart shows the path of the NEO in the coming days or hours. The field of view is optimized for (~10x50) binoculars and finderscopes. A more printer-friendly version of the same chart can be found below.


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The transition to adulthood is an exciting new stage that marks true independence. You may have graduated college, taken your first job, and even rented your first apartment. With this new freedom come real responsibilities, including protecting yourself from the financial risks life presents.
Once you are no longer covered on your parent(s) policy, you will need to find insurance coverage in your name. It can be expensive for a young driver, so consider shopping around for the best rates and learn the myriad of ways to manage costs, such as coverage and deductible elections.
If you are moving into an apartment, you should consider renter's insurance. You may not think you've accumulated much in value, but when you calculate the cost of replacing your computer, electronic equipment, HD-TV, your clothes, etc., it can run into thousands of dollars. Renter's insurance can be inexpensive. When shopping for a policy, ask about whether it includes liability coverage, which can protect you in the event of being sued by someone who is injured in your apartment.
Health-care coverage is frequently obtained through your employer. However, if your employer does not offer a health insurance program, you have two choices for obtaining coverage.
The first is to maintain coverage through your parent's health insurance plan. Federal law permits parents to keep adult children on their plan up to age 26. This choice may be relatively inexpensive, so you may want to ask your parents to inquire what the monthly premium is to add you to their plan.
Another idea is to purchase a policy directly, either through a private insurer, the federal health insurance exchange (HealthCare.gov), or through a state exchange, if available in your state of residence.
Your single most valuable asset is your future earning power. Your ability to work and earn an income is essential when it comes to your financial survival. Incurring a disability, even for a short period of time, can have substantial economic consequences, making disability insurance one of the most important insurance needs at this stage of life.
Keep in mind that this article is for informational purposes only and is not a replacement for real-life advice, so make sure to consult your legal professional before implementing a strategy that includes disability insurance.
Since a young, single adult typically does not have other people depending upon his or her ability to earn a living (e.g., children, dependent parents), some believe the need for life insurance is minimal.
However, due to a long life expectancy at this young age, life insurance coverage can be very inexpensive. You may want to consider obtaining some coverage to take advantage of low rates and good health in advance of a time when you will have dependents.
Several factors will affect the cost and availability of life insurance, including age, health and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. If a policy is surrendered prematurely, the policyholder also may pay surrender charges and have income tax implications. You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.
Extended Care
Given limited financial resources, extended care insurance may be a low priority. Nevertheless, you may want to have a conversation with your parents about how extended-care insurance may help protect their financial security in retirement.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2024 FMG Suite.


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Are you trying to access your health information and records through the official Emerson Hospital Patient Portal Login website?
If yes, here in this post The Official Emerson Hospital Patient Portal Login with step-by-step directions on how to log in, which I have shared here.
Remember that we have covered how to retrieve your Emerson Hospital Patient Portal Login password and that you may also reset it if you forget it.
A patient portal is a protected online platform that gives patients the ability to view their own personal health information 24 hours a day, seven days a week, from any location in the world with an active Internet connection.
Patients can access their health information, such as a record of their most recent medical visit, by entering a login and password into a protected portal.
Patient portals often allow you to securely view and print portions of your medical information from any location with Internet access, including recent doctor visits, discharge summaries, medicines, immunizations, allergies, and the majority of lab results.
Steps for Emerson Hospital Patient Portal Login Online Official
Step 1: Go to the official website and find the https://www.emersonhospital.org/ page.
Step 2: Now enter your Username and Password, just like the screenshot shows.
Step 3: Type in the password you made for Emerson Hospital Patient Portal Login and click the login button.
Step 4: You can now check your records by going to your portal.
If you don't already have an account for Emerson Hospital Patient Portal Login, use the link below to make a new one.
If you have forgotten your Emerson Hospital Patient Portal Login Password, follow the steps to reset it.
1: Navigate to the https://www.emersonhospital.org/ Page on the Official Website.
2: Navigate to the Emerson Hospital Patient Portal Login forgot password/reset password link provided below.
3: Enter the relevant information, such as your email address or user name.
4: Check your inbox for the Reset Link and OTP.
5: Proceed to the following step by clicking on the links you received and creating a new password.
If you do not already have an account, you can create one.
- Visit the Official Website.
- Click the Sign Up/Register/Create Account button.
- Enter Required Details Email, Phone Number, and anything else that is required.
After filling out all of the essential information, you will be able to access the portal and manage all of your records on the Patient Portal.
If you have any questions or encounter any problems, you can contact the official staff, who will assist you.
You can reach them via mail or phone number, which are shown below.
133 Old Road to Nine Acre Corner
Concord, MA 01742
If you have any questions about this post, please leave a comment below.


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Iden Pottery is best known for its stoneware, and the quality has always been excellent.
It was set up by Dennis Townsend at his home in Iden, a village near Rye, when he left the Rye Pottery in 1959. Due to lack of space in his garden shed workshop he moved to larger premises in 1962, and then again in 1966 to Rye, taking over the premises of Ray Everett in Conduit Hill, where he operated until its closure.
By 1968 there was a large export side to the business, and at home the wares were stocked by Heals and Harrods. In 1972 Jim Elliot bought in as a partner (Jim was later to take over Cinque Ports) and stayed until 1980. Over the years the company expanded and contracted to suit the economic climate, and managed at best to be very successful and at worst to keep its head above water.
In the early 1990s Iden were involved in a commercial venture that enabled them to supply goods for export in much larger quantities than could be handled by the pottery in Rye. Dennis's son, David, established the Oxney Green company to handle the large-scale manufacture of goods in Stoke-on-Trent. Patterns were made and hand-painted in Rye and sent to Stoke where they were mass-produced and printed with an eight-colour process that was difficult to distinguish from the hand-painted originals. The largest number of Oxney Green products went to Martha's Vineyard in the USA, but there were three other importers in America and some in Japan.
Iden pots can sometimes be dated by closely looking at the blue oxide backstamp. In 1974 a small notch was cut in the outer circle, and another each following year. Count the notches, if you can see them, and add them to 1974.
The pottery was run by Dennis and his wife, Maureen, producing mainly for the export market until the couple retired in 2002,
Further Reading: |
The Potteries of Rye, 1793 onwards by Carol Cashmore |


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