text:
Here we attempt to explain in simple terms all the different asset backed investments open to the individual investor, from contribution levels right through to taxation treatment of each investment.
Investing money needs careful consideration and you need to be absolutely sure of the risks involved. This section provides generic information on different types of saving & investment. You should seek advice appropriate to your specific circumstances prior to making any decisions.
In this document we look at all the various deposit based investment vehicles available in the marketplace today and what they mean to the individual investor.
This document looks at the different investment vehicles available to the individual investor together with the key points to note. This is an at-a-glance guide with more detailed information being contained in the other documents on this page. The value of investments and income from them may go down. You may not get back the original amount invested and the levels, basis and reliefs of taxation are subject to change.


text:
Free Fight
"Fans who are looking at my fights and see that I only have submissions, I warn them - my life is full of continuous learning; I don't focus my training on taking feet, necks, arms. I'm entering the Octagon to display what a martial arts practitioner has best - wisdom."
Everybody has their dreams, their problems and difficult times, and nearly all of us have goals. A few make their dreams come true without much of a hard road, others switch their final destination when facing an unexpected obstacle, and some simply put their heart, perseverance and dedication towards only one goal - to shine in what they do for a living.
Carlos Eduardo Rocha, aka 'Ta Danado', a Brazilian fighter who lives in Germany and who will face TUF 11 runner-up Kris McCray in a preliminary bout on November 13th's UFC 122 card, sits firmly in the latter category. And that's not just because he started as an amateur Brazilian Jiu-jitsu practitioner and now made it inside the Octagon, as his story goes far beyond that.
Born in Cabedelo, but living in the streets of the city of Joao Pessoa, in the Brazilian state of Paraiba, Rocha, a poor kid without a family, never got involved with all of the bad things that a young person with no adult supervision could fall under. Instead, he looked to survive without robbery, drugs or similar crimes, as he washed dishes to make some money until a chance to move to another Northeast state, Fortaleza in Ceara, appeared. That was a time and a transition that the Brazilian citizen, who lives in Hamburg, Germany, doesn't like to chat about, holding back the details of the time when he had only the stars as a roof and about the family he never had.
"That was a time that I don't like to remember nowadays," said Rocha. "I prefer to look forward and speak about how proud I am of being found by Darcio Lira."
Lira, a traditional Brazilian Jiu-jitsu instructor and leader of a respected team which takes his name, was the man who made sure that the term 'life on the streets' and the name of Rocha were not to be spoken in the same sentence anymore. At that moment, Rocha's dream started to take shape as soon as he showed resilience and will in his first training sessions. These were two of the attributes that not only earned him praise from his master, but also his nickname - Ta Danado - something hard to be translated, but that defines itself like the Tasmanian Devil cartoon character.
"I was very agitated on the mat, so much so that sensei Darcio asked me, 'Hey kid, stop being so agitated (danado), stay calm.' I was there, always talking, always playing, so I got this nickname from masters Darcio and Darlyson (laughs)."
The difficulties for the young Tasmanian Devil from Brazil didn't end when he started competing in Brazilian Jiu-jitsu though. His team wasn't packed with sponsors and supporters, and soon he realized that if he wanted to take part in a tournament in the gentle art, it would take a marathon of efforts.
"BJJ isn't a cheap sport in terms of enrolling in the competitions and traveling to the main tournaments, which are held in different states than the ones I lived in when I was in Brazil." Rocha recalls. "I only had the chance in blue and purple belt of competing in the World Cup of BJJ (held by CBJJO)."
Those travels that he was able to take weren't in vain, as Rocha got the gold medals. The second trip earned him first place on the podium in his weight and in absolute, feats that sent the fighter's imagination racing to the MMA scene. But if BJJ was already surrounded by difficulties, MMA would be even worse, as training with a team without tradition in the sport and with no money to make the road easier for the future competitor formed a formidable stairway. Yet 'Ta Danado' kept himself believing while he went up the steps.
"I already had my idols like Rickson Gracie, Ricardo Arona, 'Minotauro' Nogueira, Mauricio 'Shogun' Rua and Rogerio 'Minotouro' Nogueira, along with the army from Ceara that was fighting in UFC. I talked to my teammates and I said 'One day I'll be inside the Octagon, you all will see.' I trained hard, beat some guys and here I am."
Simple to describe, but not to simple to realize. Without a single MMA match under his belt, Rocha had the opportunity to make a different life in the center of Europe - Germany. The guy who had nothing in Brazil, who cleaned the mats only in gratitude for his masters and not because it was his responsibility, received an invitation from a German citizen who was visiting Lira's Dojo back in 2007 to teach BJJ and fight in Europe. The chance to start his career left Rocha with one thought, that it is now or never.
"When Kai Schreider told me about the conditions, I only took my backpack and said, 'let's go.' He had connections with one of the pioneers of MMA in Germany, Andre Balschmieter, and finally I started teaching classes."
Rocha didn't think much about the huge culture differences, and the food, climate and distance from his people. He expected small troubles along the way, he says, but the biggest one was to show German citizens that martial arts wasn't a product brought by customers, it has philosophy and respect.
"Sensei Darcio taught me about the Budo of Martial Arts, and I bring it forever," he says of his roots. "In the very beginning it was hard to explain to the Germans that BJJ wasn't a product only, and it was tough to pass on the discipline of the martial art."
With his first task completed, the second - his MMA debut - didn't happen in the first year of Rocha's life on German soil. But he continued teaching his BJJ class normally until the day that he went to Dresden as the cornerman of Balschmieter. Due to some medical issues, the German MMA pioneer couldn't compete, and it was Rocha who stepped up to take the slot.
"I wasn't prepared technically, but that was what I wanted to do," Rocha said. "They didn't want me to compete because I was a world BJJ champion. That was an issue to surpass. But soon everything was okay, and I just finished the guy with a choke."
That first MMA competition of Rocha was supposed to be in tournament format, but with guys getting injured during the competition, he only fought once. Good for him, because in the finals he'd take on a veteran with 17 fights under his belt, including a match against Gegard Mousasi, in Steve 'Machine' Mensing. And when I say him, it signifies Mensing, who two months later couldn't escape from Rocha, and he was forced to tap due to a well sunk leglock.
With an 8-0 current record, seven by submission, Rocha is now a huge idol in Germany - teaching classes at X-Ess Fights Gym, an academy that his 'brother' Willy Steinky got him inside. So with a legion of fans and the buzz of signing to the UFC, it could force the Brazilian to forget his roots. But he still has the links to the academy where everything started. In the search of training with experienced fighters and camps, Rocha landed at Gracie Fusion in Rio de Janeiro, but only after asking permission from his master Darcio Lira. It's something that is hard to come by nowadays, with fighters looking for better camps without many links to what they passed through earlier.
"Roberto 'Gordo' Correa was a guy that inspired my game in BJJ, and his team (Gracie Fusion) has some of the best. What I lived while training in Rio is like a dream coming true," he says. "I watched these guys on TV and now I'm rolling and sparring with them. This has made me more motivated than ever."
After six weeks of training with high caliber guys in Brazil, Rocha feels great as he prepares to step in the Octagon in front of his followers in Germany. Fighting, like McCray, for the first time as a 170 pounder, he reveals what pumps him more for this fight, and then finishes with one more lesson of Budo he carries with him since his start as a martial artist.
"My manager told me it's only a one fight contract, just to motivate me like, 'Win the first and get more,'" he says. "I don't see McCray having the tools to surprise me; what I watched is what I lived in my day-by-day. To beat this 'Ta Danado' here isn't easy, so let's impose 15 minutes of total pressure on him.
"Fans who are looking at my fights and see that I only have submissions, I warn them - my life is full of continuous learning; I don't focus my training on taking feet, necks, arms. I'm entering the Octagon to display what a martial arts practitioner has best - wisdom. It's the wisdom of improving what's going well, wisdom to learn, stay sharp and do the work properly to overcome the foe."

subset: commoncrawl


text:
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Sen. Joe Manchin, the West Virginia Democrat who lent his name to bipartisan legislation that would have extended background checks for gun purchasers to gun shows and online sales, isn't letting go.
At least not yet.
To Manchin, the bipartisan compromise he co-sponsored with Sen. Pat Toomey, a Pennsylvania Republican of consistent conservative credentials, fell victim to a steady stream of misinformation spread by some gun rights absolutists, including the National Rifle Association.
The NRA disputes that characterization, of course. But at a breakfast meeting Friday hosted by Third Way, a Washington group that pushes compromise solutions, Manchin said once Americans get a clearer view of the plan, Congress could face renewed pressure to pass a plan that has overwhelming support in public opinion polls.
"When people start knowing that we have such a common-sense piece of legislation, [the NRA's tactics, which included claims that the measure would have led to a national gun registry and gun confiscations] can backfire," Manchin said. "Because, really, 80 to 90 percent of the people say, 'That makes sense.' I'm telling you, in the gun culture I come from, I can go to Oklahoma and I can go to anywhere in this country, and to the most fierce advocates of gun rights, and this will make sense if they read it."
Noting that his proposal is still technically "on the floor" — meaning that while it's been set aside, Senate Majority Leader Harry Reid has the right under Senate rules to call it back up — Manchin urged supporters to focus efforts on educating gun owners about the actual details of his plan.
But that seems like wishful thinking at best. The Senate seems ready to move on to other agenda items, including an immigration overhaul plan, that might actually garner enough bipartisan support to go somewhere.
During the lead up to Wednesday's Senate vote, one of the NRA's most powerful threats was to hold accountable senators who backed the measure. And especially in conservative states, the NRA and its money can sway elections. That's not likely to change.
Manchin said the fear played on some senators and acknowledged another problem for his side: Two of the leaders most identified with tougher gun laws — President Obama and New York Mayor Michael Bloomberg — make many on the gun rights side instantly suspicious.
"President Obama polls very bad in my state and has not done well in my state," said Manchin. "But if you want to blame somebody, blame me. This is not the president's bill. I can't say it any plainer than that. ... If you're trying to put the president's picture on it because you think you can get more no votes, that's disingenuous. It's not American."
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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An Idea Conservatives Should Love
Raising the minimum wage achieves many of the goals conservative politicians regularly extol.There is a magnificent public policy that achieves many of the goals conservative politicians regularly extol. These include promoting work over dependency, reducing the cost of social welfare programs, fostering economic growth and strengthening families.
The policy in question is raising the minimum wage. The only mystery is why so few conservative politicians see the issue this way. Rank-and-file conservatives know better. A December Washington Post/ABC News poll found that 53 percent of self-described conservatives supported a minimum wage increase. Republican politicians who are so solicitous of conservative opinion need to follow the moral and practical intuitions of those they say they represent.
One conservative, at least, is speaking for this majority. Ron Unz, a Silicon Valley millionaire and one-time Republican candidate for governor of California, is championing an initiative to raise his state's minimum wage to $12 an hour. His reasons are thoroughly in keeping with his ideology.
Unz argues that a minimum wage hike "would function as a massive stimulus package." He told ABC News that if the national minimum were increased to $12, "probably between $150 billion and $175 billion a year would go into the pockets of the lower-wage families that spend every dollar they earn. It would cause a tremendous boost in economic demand."
He also pointed to the fact that government — through wage subsidies in the tax code, Medicaid and food stamps — is now conferring substantial benefits on employers of low-wage labor.
"One of the strange things in our society right now is that we have all these low-wage workers who are getting $7.50, $8 or $9 an hour," Unz says, "and because they earn such small wages, the government subsidizes them with billions or tens of billions of dollars of social welfare spending that comes from the taxpayer. It's a classic example of businesses' privatizing the benefits of their workers while socializing the costs."
Now the truth is that inequality has grown so much that various programs to improve the living standards of the working poor are absolutely essential. Some should be expanded. Both Sen. Marco Rubio, R-Fla., and President Obama have suggested that the Earned Income Tax Credit be broadened to support workers without children (although Rubio proposed ill-advised EITC cuts elsewhere). A nation that proclaims its reverence for work should agree that nobody who works full time should fall below the poverty level.
But there's a limit to how much taxpayers should be asked to subsidize employers. Lifting the minimum wage would help correct the balance.
How many people would a minimum wage increase help? A study by Jason Furman and Betsey Stevenson of the White House Council of Economic Advisers found that a fully phased-in $10.10-an-hour minimum would give 28 million workers a raise, "including 19 million making less than $10.10 and another 8 million with wages just above $10.10 who would benefit from the ripple effect." Nearly half of the benefits would go to households making under $35,000, and contrary to the claims of many opponents, "only 12 percent of minimum wage beneficiaries are teenagers."
They also cited research showing that a wage hike of the sort being proposed nationally would have "little or no" impact on employment. They concluded that "a substantial portion of the cost to employers of minimum wage increases is offset by savings from reduced employee turnover and higher worker productivity."
In an important article in the economic journal Challenge, "A Conservative Case for the Minimum Wage," Oren Levin-Waldman, professor of public policy at Metropolitan College of New York, offers a similar view and makes the compelling moral points. Higher pay "increases the autonomy of low-wage workers," he says, thus advancing "personal freedom" and "a core concept in conservative thought, which is personal responsibility." This, in turn, means less dependence "on the largesse of others."
And, as Annie Lowrey argued earlier this month in The New York Times, those who rightly worry about the breakdown of marriage need to remember that "creating good jobs with growing wages at the bottom of the income scale might be the best, if hardest, way to encourage young couples to wed."
Conservative politicians really need to ask themselves: If they refuse to raise the minimum wage and at the same time insist on cutting health care and wage-support programs, are they not consigning millions more of their fellow citizens to lives of poverty? Most Americans reject this view, and that includes most conservatives who believe in work, family and personal responsibility.
E.J. Dionne's e-mail address is ejdionne(at)washpost.com.
© 2014, Washington Post Writers Group
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text:
Chiropractor in Vernon Hills Talks about Headaches
Headaches are an unfortunate part of daily life for thousands and thousands of people. Some headaches only happen occasionally, some happen frequently, some are dull and throbbing and others are sharp and intense. Headaches have many different causes, but just about all of them cause some sort of disruption to your life. From a slight inability to concentrate, to lying in a darkened room completely motionless, headaches can have a wide range of effects. Most of the time, a chiropractor in Vernon Hills will be able to ease your symptoms and help get your life back to normal when a headache strikes.
Common Triggers
Since there are several different types of headaches, it stands to reason that there are several triggers or causes that set them into motion. Some common triggers include bright lights, loud noises, certain foods, stress, blood sugar fluctuations, high blood pressure, exposure to chemicals, caffeine, neck tension, or spinal misalignment. Headaches that are caused by neck tension are some of the most common and are triggered by poor posture, certain repetitive motions, and other physical activities.
Headache Prevention Tips
A chiropractor in Vernon Hills has the ability to relieve most headaches, but following some proven prevention tips will also allow you to help yourself. Try switching positions every 30 minutes or so, no matter what you are doing. If you must remain in a fixed position, gently stretch your neck every 30 minutes to avoid bringing on a tension headache.
You should avoid clenching your teeth throughout the day. Many people do this unconsciously, but it can lead to headaches, so it is best to stop if you are doing it. If your exercise routine seems to cause headaches, you might want to switch to something with less impact to see if it makes a difference. There are many effective ways to exercise so if you can find one that doesn't give you a headache, go with it. Drinking water throughout the day also helps as dehydration is a known headache trigger.
Spinal Manipulation Can Help
Since the cervical spine and head are so closely related a chiropractors can use spinal manipulation to realign your vertebrae and reduce pressure that causes headaches. Many headaches are formed in the neck, and this type of treatment has been known to have positive results almost immediately. Other forms of headaches such as migraines may be a little more complex, but your chiropractor can still offer relief through customized chiropractic treatment. If you suffer from headaches and can't seem to find permanent relief through conventional medicine, call our chiropractic team at Integral Medical and Rehabilitation today and schedule an appointment.
9:00am - 7:00pm
9:00am - 7:00pm
9:00am - 7:00pm
9:00am - 7:00pm
9:00am - 5:00pm
9:00am - 12:00pm
Integral Medical and Rehabilitation
3 West Hawthorn Parkway #280
Vernon Hills, IL 60061
(224) 424-3147


text:
1.90 CT Round Shaped Moissanite Solitaire Style Engagement Ring
1.90 CT Round Shaped Moissanite Solitaire Style Engagement Ring
- Free Worldwide Shipping
- Ethically Sourced
- Price Match Guarantee
⏰ Order Today and Get it by 15th Aug.
- Need Early Delivery Contact Us
- Free Shipping over $750
✦ The Ring Shown in the Picture Holds a Beautiful 1.90 CT Round Cut Moissanite.
✦ Main Stone Details
✧ Shape: Round Cut Moissanite
✧ Weight: 1.90 CT
✧ Color: DEF(Colorless)
✧ Clarity: VVS
✦ Side Stone Details
✧ Shape: Round Cut Moissanite
✧ Weight: 0.92 CT (Approximate)
✧ Color: DEF (Colorless)
✧ Clarity: VVS
✦ Ring Details
✧ Metal: Gold (10KT, 14KT, 18KT)
✧ Metal Tone: Yellow, White, Rose Gold
Lifetime Warranty
Lifetime Warranty
We are proud to provide a lifetime warranty on each and every one of our pieces, so you can rest assured that we will lovingly care for your Alfredo Gem Yard Fine jewelry whenever it needs servicing. We stand by our work.
We will repair your jewelry whenever it needs repairing for as long as you own it.
Also, you can send your jewelry to us at any time for a free thorough cleaning and inspection to ensure it is sparkling beautifully and in top shape.
There are a few limitations to our warranty:
- Our warranty does not include the replacement of lost center/focal stones. We recommend you obtain insurance in your piece for the unlikely event of a focal stone falling out or getting damaged.
- Many of our pieces feature one-of-a-kind stones. If these stones become damaged, we will do our best to replace them with a comparable stone, but color and type may vary, depending on what we have available.
- Clients are responsible for shipping costs (to and from our studio) for cleanings, inspections, and repair work.
Please Note: Clients are responsible for import fees and customs charges in addition to shipping costs. Please check with your customs office about any fees that may be associated with having us repair your piece. - All repair work is free within the first two years of ownership (except the replacement of focal stones). After two years of ownership, we will charge a small labor fee and/or materials fee for your repair service.
- If you wear fine jewelry daily, a little wear and tear are normal. Our repair specialists will evaluate your piece. If you need repairs that go beyond what's needed for normal wear and tear, we'll let you know about the labor costs and material fees associated with your service.
- Repairs or polishing by third-party jewelers.
Please Note: The warranty is void if you take your piece to another jeweler for resizing or repair work.
✧ If your Alfredo Gem Yard's Fine Jewelry piece needs repair, please contact us at email@example.com to ensure that it's entered into our service schedule. Our highly skilled repair specialist will evaluate your piece and stay in open communication with you about the work that's needed and any associated costs.
✧ Feel free to reach out to us with any questions or if you need to pass on any additional information about the service you need. (You can find jewelry care tips here!)
Return & Refund Policy
Return & Refund Policy
Damages and issues
- Custom or personalized orders
- Eternity Bands made to order
- Items on Sale
- Items Purchased During a Sale Event
- Any physical damage on the product
Information About Repairs
- Our repair specialists write up an intake form that notes the current condition of the piece and any repair work that's required. We'll always send you a copy of that intake form so we're all on the same page.
After that, we'll immediately get started on any work that's covered under the warranty (without bugging you for approval). That may include the following:
- Replacing or resetting stones
- Replacing the setting
- Prong work or replacement
- Replacing thinner areas of the band
- Resizing the ring - Please let us know before you send us your piece if 1) you don't want us to do any or part of the above warranty-related work, or 2) you'd prefer to review and approve the scope of the work before we get started.
- If work needs to be done that goes beyond what the warranty covers, we'll let you know. You'll have the ability to opt out of those repairs at that point if you want.
- Clients are responsible for shipping costs both ways.
- Our current timeline for repairs is 2-3 weeks from the time we receive your piece.
- NOTE: If your piece needs a new stone, we can't guarantee the replacement of limited-edition or one-of-a-kind stones. In the rare case that the exact stone isn't available, we'll follow up with you and get your approval on an alternative that matches.
Jewelry Care Instructions
Jewelry Care Instructions
Proper care ensures your lab-grown diamond and moissanite jewelry retains its brilliance and beauty for years to come. To keep your pieces sparkling, regularly clean them with a mild detergent and warm water using a soft-bristled brush.
Avoid harsh chemicals and cleaners, as they can damage the stones and settings. When not in use, store your jewelry in a soft cloth or a separate compartment to prevent scratching and tangling. Remove your jewelry before engaging in rigorous activities or exposing it to harsh conditions, such as swimming or exercising, to prevent damage.
Periodically check the settings and prongs for any signs of wear or looseness, and have them professionally inspected and cleaned as needed. With proper care and maintenance, your lab-grown diamond and moissanite jewelry will continue to shine brilliantly for generations to come.
Size Guide
Ensuring the perfect fit for your ring is essential. For the utmost precision, we suggest visiting a nearby jewelry store to have your finger professionally measured.
The ideal fit means your ring should feel comfortable, allowing it to glide over your knuckle effortlessly. However, it shouldn't spin too easily once it rests on your finger.
If you're planning a surprise proposal, involving a family member (mother, sister) or a close friend often proves successful. Many people are excited to be part of such a special surprise
Short on time? If a trip to the jewelry store isn't feasible, utilize our printable ring sizer.
Before printing, make sure the page scale is set to 100% in your print dialog box. Follow the provided instructions diligently. Keep in mind that accuracy depends on proper execution, so we always recommend an in-person measurement if possible.
To double-check your home-measured ring size before making a commitment to your chosen ring, you have the option to order a silver band for just US$10 in your measured size. Wear it for a few days, ensuring it feels comfortable on your finger. If satisfied, proceed to order your final selected ring. Rest assured, we will refund the US$10 (Silver Band Price) once you've successfully placed an order for your ultimate ring.
While we strive to craft rings to the correct size from the start, we recognize the challenge of predicting sizes, especially for surprise proposals. We offer complimentary resizing for your ring (initial resizing only). Simply return the ring to our manufacturing unit, and cover the US$75 shipping fees for the resized ring.
Please note, certain designs like eternity rings may not be resizable, and some rings can only be resized within specific limits. Excessive resizing, particularly for certain designs, may pose a risk to the integrity of the ring, such as potential diamond displacement in the future. To ensure a smooth process, we encourage you to strive for accuracy in determining your ring size before placing your order.
To ensure precision, we advise measuring your ring size on multiple occasions. Finger sizes can vary throughout the day and with the changing seasons. Avoid measuring your ring size during instances of potential finger swelling (after a hot shower, exercise, extreme temperatures, or right after waking up) or when it might be contracted (after swimming, washing dishes, or exposure to cold). This approach helps guarantee the most accurate measurement for your perfect fit
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The Journey Of Crafting Your Customized Jewelry
Lab Grown Diamond FAQ's
What are lab-grown diamonds?
Lab-grown diamonds are real diamonds created in a controlled laboratory environment using advanced technological processes. They have the same physical, chemical, and optical properties as natural diamonds.
How are lab-grown diamonds made?
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Are lab-grown diamonds as durable as natural diamonds?
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Are lab-grown diamonds more affordable than natural diamonds?
Lab-grown diamonds generally cost 20-40% less than natural diamonds of similar size and quality. This price difference is due to the shorter supply chain and less intensive extraction processes.
Are lab-grown diamonds environmentally friendly?
Lab-grown diamonds are considered more environmentally friendly than mined diamonds. Their production involves less land disruption, fewer resources, and reduced carbon emissions compared to traditional mining.
Do lab-grown diamonds come with certifications?
Yes, lab-grown diamonds are often accompanied by certifications from reputable gemological laboratories, such as the GIA, IGI, or AGS, ensuring their quality and authenticity.
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What Is an IRA Rollover?
If you leave a job or retire, you might want to transfer the money you've invested in one or more employer-sponsored retirement plans to an individual retirement account (IRA). An IRA rollover is an effective way to keep your money accumulating tax deferred.
Using an IRA rollover, you transfer your retirement savings to an account at a private institution of your choice, and you choose how you will invest the funds. To preserve the tax-deferred status of retirement savings, the funds must be deposited in the IRA within 60 days of withdrawal from an employer's plan. To avoid potential penalties and a 20% federal income tax withholding from your former employer, you should arrange for a direct, institution-to-institution transfer.
You are able to roll over assets from an employer-sponsored plan to a traditional IRA or a Roth IRA. Because there are no income limits on Roth IRA conversions, everyone is eligible for a Roth IRA conversion; however, eligibility to contribute to a Roth IRA phases out at higher modified gross income levels. Keep in mind that ordinary income taxes are owed (in the year of the conversion) on all tax-deferred assets converted to a Roth IRA.
An IRA can be tailored to your particular needs and goals and can incorporate a variety of investment vehicles. Although IRAs typically provide more investment choices than an employer plan, your plan may offer certain investments that are not available in an IRA. Further, the cost structure for the investments offered in the plan may be more favorable than those offered in an IRA. In addition, tax-deferred retirement savings from multiple employers can later be consolidated.
Over time, IRA rollovers may make it easier to manage your retirement savings by consolidating your holdings in one place. This can help cut down on paperwork and give you greater control over the management of your retirement assets.
Keep in mind that you may be able to leave your funds in your previous employer plan, if it is allowed by the plan. You may be able to transfer the funds from your previous employer plan to a new employer plan (if it accepts rollover funds). While you can withdraw the funds from your employer plan as a lump sum, you could incur a potentially sizeable income tax liability in the tax year of the withdrawal and your funds would not be able to continue growing tax-deferred.
Distributions from traditional IRAs are taxed as ordinary income and may be subject to a 10% federal tax penalty if taken prior to reaching age 59½. Just as with employer-sponsored retirement plans, you must begin taking required minimum distributions from a traditional IRA each year after you turn age 73 (for individuals who reach age 72 after December 31, 2022). If you attained age 72 in 2022 or earlier, you are already required to take annual RMDs. The RMD age will rise to 75 in 2033.
Qualified distributions from a Roth IRA are free of federal income tax (under current tax laws) but may be subject to state, local, and alternative minimum taxes. To qualify for a tax-free and penalty-free withdrawal of earnings, a Roth IRA must meet the five-year holding requirement and the distribution must take place after age 59½ or due to death, disability, or a first-time home purchase ($10,000 lifetime maximum). The mandatory distribution rules that apply to traditional IRAs do not apply to original Roth IRA owners; however, Roth IRA beneficiaries must take mandatory distributions.
The information in this newsletter is not intended as tax, legal, investment, or retirement advice or recommendations, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek guidance from an independent tax or legal professional. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Broadridge Advisor Solutions. © 2024 Broadridge Financial Solutions, Inc.


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As promised, the first thing I did this morning was to bake a batch of brownies. It is a rather simple and straight forward recipe. It took me less than half-an-hour to get the brownies into the oven. I omitted the walnuts from the recipe as both my boys reminded me that they didn't want any nuts in their brownies.
I am so glad that the brownies turn out beautifully! They are rather thick (in terms of height) unlike my previous attempts, the brownies were too dense and were usually very flat and thin. I like the slightly flaky and crisp crust, with a moist, cake-like layer on top and it gets fudgy nearer the bottom. This is by far my best brownies which I have made from scratch, and it uses sunflower oil instead of butter...so much 'healthier' than another recipe from the same book that requires almost an entire block of butter! My boys couldn't really wait for me to finish my photo-taking session, they kept asking when they could try a piece of the brownies...and guess what my younger one was "doing" while I was trying to get the best lighting for my photos?
What can I say, but to give them each a piece right away!
Each time if I use any melted chocolates for baking, I will let my younger boy to help "clean-up" the bowl...he will lick up every single trace of melted chocolate. This time, I used the left over chocolates and made this:
I learnt this from the Martha Stewart's show...simply use a brush (I used a chopstick), dip it with melted chocolate and paint funny faces on the inside of a clean glass. Chill the glass in the fridge to let the chocolate set before filling it with cold milk. The 3 of us had fun painting our own glasses. They certainly look ugly but adorable, aren't they?!
Nut and Chocolate Chip Brownies
(makes 16)
150g semisweet chocolate, chopped
120ml sunflower oil
215g light brown sugar (I cut down to 200g)**
2 eggs
5ml vanilla essence
65g self-raising flour
4 tablespoon cocoa powder (unsweetened)
4 tablespoon milk chocolate chips
75g chopped walnuts (I omitted this)
**latest update: I further reduced the sugar amount to 180g and the texture or taste was not affected.
- Preheat oven to 180 degC. Lightly grease a shallow 19cm/7.5 inch square pan.
- Melt chocolate in a heatproof bowl set over a pan of simmering water.
- With an electric mixer (a manual whisk works well too), beat together oil, sugar, eggs and vanilla essence in a mixing bowl.
- Stir in the melted chocolate then beat well until evenly mixed.
- Sift the flour and cocoa powder into the batter. With a spatula, fold thoroughly until all the flour mixture incorporates into the batter.
- Stir in walnuts and chocolate chips. Mix well.
- Pour the mixture into the prepared square tin. Spread the mixture evenly to the edges. (The mixture is rather sticky and gooey.)
- Bake for about 30 ~ 35 mins until the top is firm and crusty. Cool in the pan before cutting into squares.
Recipe Source: The Cookie and Biscuit Bible


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Actor Michael Clarke Duncan dead at 54
LOS ANGELES (AP) — Michael Clarke Duncan, the hulking, prolific character actor whose dozens of films included an Oscar-nominated performance as a death row inmate in "The Green Mile" and such other box office hits as "Armageddon," "Planet of the Apes" and "Kung Fu Panda," is dead at age 54.
Duncan died Monday morning at Cedars-Sinai Medical Center in Los Angeles, where he was being treated for a heart attack, said his fiancée, reality TV personality Rev. Omarosa Manigault, in a statement released by publicist Joy Fehily.
The muscular, 6-foot-4 (1.96 meter) Duncan, a former bodyguard who turned to acting in his 30s, "suffered a myocardial infarction on July 13 and never fully recovered," the statement said. "Manigault is grateful for all of your prayers and asks for privacy at this time. Celebrations of his life, both private and public, will be announced at a later date."
In the spring of 2012, Duncan had appeared in a video for PETA, the animal rights organization, in which he spoke of how much better he felt since becoming a vegetarian three years earlier.
"I cleared out my refrigerator, about $5,000 worth of meat," he said. "I'm a lot healthier than I was when I was eating meat."
Duncan had a handful of minor roles before "The Green Mile" brought him an Academy Award nomination for best supporting actor. The 1999 film, based on the Stephen King novel of the same name, starred Tom Hanks as a corrections officer at a penitentiary in the 1930s. Duncan played John Coffey, a convicted murderer with a surprisingly gentle demeanor and extraordinary healing powers.
Duncan's performance caught on with critics and moviegoers and he quickly became a favorite in Hollywood, appearing in several films a year. He owed some of his good fortune to Bruce Willis, who recommended Duncan for "The Green Mile" after the two appeared together in "Armageddon." Duncan would work with Willis again in "Breakfast of Champions," "The Whole Nine Yards" and "Sin City."
His industrial-sized build was suited for everything from superhero films ("Daredevil") to comedy ("Talledega Nights," "School for Scoundrels"). His gravelly baritone alone was good enough for several animated movies, including, "Kung Fu Panda," "Delgo" and "Brother Bear." Among Duncan's television credits: "The Apprentice," "The Finder," "Two and a Half Men" and "The Suite Life of Zack and Cody."
Born in Chicago in 1957, Duncan was raised by a single mother whose resistance to his playing football led to his deciding he wanted to become an actor. But when his mother became ill, he dropped out of college, Alcorn State University, and worked as a ditch digger and bouncer to support her. By his mid-20s, he was in Los Angeles, where he looked for acting parts and became a bodyguard for Will Smith, Jamie Foxx and other stars. The murder of rapper Notorious B.I.G., for whom Duncan had been hired to protect before switching assignments, led him to quit his job and pursue acting full-time.
Early film and television credits, when he was usually cast as a bodyguard or bouncer, included "Bulworth," "A Night at the Roxbury" and "The Players Club."


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The place of beads in Ghanaian culture
Beads are intriguing cultural items of beauty. In Ghanaian traditions, beads are made of seeds, pieces of wood, shells, stones, bones, tusks or modern materials like glass and plastics, formed, polished and pierced to be strung and used as bodily adornments or as decoration for other objects. Beads seem to more in use in southern Ghana than in northern Ghana. Wherever they occur, however, they are treasured as valuable objects of material culture, and play a significant role in some of the most important aspects of our personal and communal life,, from the proverbial cradle to the grave. I wish, in this presentation, to show why beads, from time immemorial, have held such fascination for Ghanaians in our way of life.
In most Ghanaian traditions, beads were produced mainly by women; but they were used by all and sundry. The many uses of beads do not suggest they were primarily anything but art objects. Beads are, arguably, one item of material culture that comes closest to giving us what might be considered art for art's sake. Whatever else they might be used for, we judge and value a bead or string of beads, primarily for any physical or material function they are used for, such as , for example, tying a woman's loin cloth, but for their beauty or what they add to the aesthetic quality of persons and things, either perceptually or symbolically.
As practiced by skilled producers, bead-making can be appreciated as art form. For bead-makers, the purpose of their craft is to produce a thing of beauty; and mind-set of the bead-maker is to craft an article (1) to be beautiful or pleasing to sight in virtue of their colours, shapes, and feel ; (2) to adorn and impart beauty to other entities, especially the human body and other artifacts; and (3) to convey , besides the above, beautiful ideas, sentiments, values and proverbial thought that enhance how we feel about things.
Essentially, then, bead-making involves a creative process out of which a creative process out of which emerges in each finished product, something new, something original and something aesthetically pleasing. Each bead design, even if repeated using the same material and mould, reproducers beads each of which is unique in colour-mix, tone or texture, and has special individual features, finish and discernible imperfections. The pleasure the bead-maker gets out of the process is that its outcome cannot be fully anticipated, and always offers a special surprise.
When strung together, beads portray a different aesthetic effect; for, a string of beads is, in itself, also artwork. For those who know how to string beads, stringing beads is practiced as an art form that one can learn. It requires years of practice to develop the compositional skills and aesthetic appreciation to configure beads not only to be beautiful in design and presentation, but also beautiful in evocation of ideas and sentiments. Well constructed when a string of bead is a piece of visual poetry. It is a statement constructed with colour cadences, rhythm and rhyme to make aesthetic sense and evoke fine aesthetic sentiments in us. It is this that gives meaning to the traditional saying that when a string of beads breaks in front of the elders none gets lost.
The elders, with their experience, can tell which order or sequence the beads should have. They can thus tell which bead should follow which; and; using the colour rhythm and rhyme, indeed determine whether all beads on the string are in place. They can thus complete the veritable jig-saw puzzle.
It is common knowledge that, this proverb invoked in situations of social conflict, disruption and chaos. Used in that kind of context, it means that when a dispute, disorder, or conflict breaks out in the presence of elders, or when chaos breaks out in a community, the elders, or when chaos breaks out in a community, the elders of the community can restore order, and recreate the beauty and harmony of social relations without overlooking any important elements or issues. The elders, by their experience, can solve the puzzles of human life, making everything complete. This then suggests that we must look for beauty and harmony, not only in the arrangement of things, but also in social relationship and rational thought in all life situations.
Now, it may sound fantastic to claim that the idea of art for arts sake has roots in our culture, and that beads, as aesthetic object, represent art for art sake.bt there is a basis for claim. Some proverb s enable us to appreciate that in traditional thought we recognize the fine distinction between the nature and value of the beauty and what is of utilitarian value. Thus, the proverbs says, "It is because what is beautiful is beautiful or pleasing to sight, that when a young lady is running, she holds up her breast; it is not because the breast would fall on the ground" this makes it clear that it is not for utilitarian reason, securing the breast both of the breasts and her body movements, that a maiden holds up her breasts when she is running.
I relate to this distinction between the utilitarian and non-utilitarian purposes of human actions, another conceptual distinction expressed in another proverbs.
The proverb says, "What are necessary is done before what is appropriate or becoming" And the distinction between the essential and non-essential things in life is important to the determination of priorities in life. But this is not to suggest that it is only things that are necessary that should be considered of value. If it is reduced to just doing the things that are essential to life, life as a whole would be banal and unfulfilling indeed. What we use beads for, is not anything necessary to human existence; it is more to make things becoming, fitting and uplifting. And it is in this sense that beads represent or bring a different dimension to human experience.
In Ghanaian culture, we use beads mainly as articles of body decoration. However, in a wide range of contexts beads are used, not only to enhance the body but also to symbolize and express a wide range of ideas. In this sense, the use of beads is highly gender sensitive. As articles used for beautification, beads are predominantly used by women for body decoration and for expressing and enhancing the quality of femininity in a woman. Beads are put on the wrists and waist of newly born boys and girls; but, while they stay as the adornment for a boy for not more than a year or two, they stay as adornment for a girl for life. For both sexes, however, beads feature in the celebration of life in most traditional rites of passage to mark the major transitions and stations in life.
A Ghanaian mother would put beads in the hair, around the neck, wrists, waist, above the knees, and on the ankles of a baby girl, all to help enhance the curvaceosness of the girl's body as she grows up. The strings of beads worn around the waist serve two purposes. They are used to help hold in place develop the buttocks into two rounded wholes to give rhythm to the movements of a girl. Strings of beads worn below the knees and at the ankle are meant to make that calves more shapely and feminine. We love beautiful rounded legs (anantupa)
When a girl comes of age to be initiated into womanhood, she would be ceremonially unveiled to exhibit in public the beauty of her body, something the Krobo dipo custom and nubility rites of many other ethnic groups in Ghana put emphasis on. A girl comes out adorned mainly with bead, in the hair, around the head, around the neck, around the elbow and the wrist; and around the waist, knees and ankles. The beads are meant to enhance the physical features of the mature adult female for men to admire.
It is at this stage, that the deeper beauty of the waist line beads is revealed to a maiden. In the first place the beads are said to enhance foreplay and erotic excitement in the sexual act, and they are spoken of openly in traditional marriage ceremonies these days as 'high tension cables'. They are said to carry high voltage currents. Secondly, to indicate the exclusive sexual rights that a man acquires in marriage, the bride-wealth presented for the hand of girl is expected to include sets of vanity waistline beads and a piece of loincloth, to be worn by the bride. Among Akans any man who touches the beads of a married woman is accused of adultery and made to pay adultery fees (Ayerefare). Thirdly since in marriage one of a woman's greatest virtues is thought to be her ability to to control her tongue, the beads are also meant to tell her. "Quality beads do chatter (Awhene pa nkasa"- Akan), A good and virtuous woman does not gossip and quarrel.
The foregoing should already indicate the importance of beads as significant symbolic articles in traditional rites of passage. Besides initiation into womanhood and into conjugal life, beads are prominent in the installation of chiefs and queen-mothers, Asafo (military) title holders and cult leaders,
Inevitably, beads feature in the adornments of the dead; in funeral costume of mourners and in widowhood rites etc. where red and black are deep blue beads, or, in some cases, black and white beads may be worn by close relations and sympathizers.
Besides office holders and other prominent members of society, who wear beads to mark their statuses and ranks, certain categories of people traditionally use beads to identify themselves. In some cultures, the first-born child would be marked with a special string of beads. The third serial male or female (Mensa or Mansa), the tenth born child, (Badu), twins would wear special strings of beads. These have some mystical status in the community. I am also informed that, in Asante, the members of the Kona Clan which has the Bush Cow as their totem, also use a distinctive bead to identify themselves.
Because beads are so intimately involved in life crisis rituals, and especially, because we wear beads to express our emotional states, it is not surprising that in many places beads should be counted among things endowed with spiritual force. Thus, beads worn by twins represent the special spiritual status and power of twins. Twins are said to be gods; and their distinctive string of beads, abam, is considered endowed with mystical power. Beads worn by akomfo and other ritual leaders are meant to give them spiritual protection. Some beads are worn by ordinary folk for protection against the evil eye or the attacks of evil spirits.
According to R.S Rattray, among the Asante ,when eight days after birth , a baby was brought outdoors, a ceremony was performed that involved removing the baha fabric armlets and leglets that the newborn was given at birth , replacing them with "bands of particular kinds of beads, gyanie, abia, nwansana 'ti, interspersed with other charms and little gold nuggets(Religion and Art in Ashanti, 1927 p.62)." These beads were for the spiritual protection of the baby. Not surprisingly some beads are believed to be invested with witchcraft power.
An old lady told me years ago in Winneba that some special beads have the power to reproduce themselves. I was not shown one. And this has not been confirmed anywhere else in my research. Like any thing of value in popular culture, such a myth is to be expected as the ultimate expression of the vitality of beads.
Beads feature in music and dance. Some adenkum gourds, calabashes and rattles are decked with beads. Some drums are also decked with strings of beads. On ceremonial occasions, dancers, often deck their bodies with beads to articulate the movements of the body and accompany them with rhythmic wounds. Indeed, the Dipo ceremony of the Krobo, the Otufo rites of the Ga, as wells as the Nde rites of Effutu, are popularly associated with a special gracious dance movements performed with dainty little steps by initiates bedecked with heavy strings of bead. The beads come out, as it were, to dance and be appreciated.
Beads are considered treasures to be passed on from one generation to another. They reflect wealth and status. In the olden days, they were not only commercial items, they also served as currency mediating commercial transactions or exchange of goods. They were used even to purchase slaves.
The distribution of beads in Ghana and in many West African groups might be interpreted as evidence of contacts over many generations among a wide range of ethnic groups. Indeed in the African diaspora, some groups have used stories associated with certain kinds of beads in the family to retrace where in Africa their forebears might have been enslaved from. This makes beads important archeological objects.
Ghana has become an important focal point fort the bead culture of West Africa. There is thus ample reason, and urgent need, begin planning to establish a Museum of African Beads, something that would attract a lot of tourism.
The growing worldwide popularity of Ghanaian beads should also indicate the beads production is a cultural industry with great potential. There is the need to enlarge the international market in Africa and in Europe and Asia. There is also the need to enlarge transform the main production centre and make them accessible to tourist. What is further required is the introduction of technological improvements to reduce the drudgery of aspects of the process production.
I would therefore, like to conclude by urging the organizers of this event to see it as the beginning of great things to come. Beads have the capacity to create self-employment and personal wealth with little investment. It can help brand Ghana as a centre for the appreciation of Africa' traditional arts. I believe it is with this in view that the CISP award a big grant to enable the organisers to demonstrate the great economic potential of beads in our country and in the culture of our global village.
A statement by Prof George P. Hagan – Consultant on Culture & Development at the launching of the first international beads festival Odumase Krobo
Source: Ghana Culture Magazine. 03/2009
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An ex-military intelligence officer who prosecutors say siphoned millions from a bogus charity for U.S. Navy veterans is going on trial in Ohio.
The 67-year-old defendant calls himself Bobby Thompson, but authorities say his real name is John Donald Cody. He was arrested last year in Portland, Ore., after two years on the run, and is charged with masterminding a $100 million multistate fraud using a charity called United States Veterans Association, based in Tampa, Fla.
Thompson, who worked in military intelligence in the 1970s and is described as a Harvard-trained lawyer, has claimed in court filings that he's still working as a "nonofficial cover" agent for the CIA, and that the charity is part of a secret operation.
The Tampa Bay Times reports that "in a handwritten court motion, Thompson alleged that the Tampa charity was not a criminal enterprise but 'a U.S. intelligence community/White House and Republican Party manipulated operation.' "
Thompson faces up to 40 years in prison if convicted of the fraud. Prosecutors say the charity he ran "turned out to be a total charade," according to the Times:
"Its state chapters were mail drops, its directors nonexistent. It gave little aid to veterans.
"During the trial, which is expected to last at least six weeks, prosecutors say they'll show that Thompson siphoned money from the charity's accounts for personal use and used dozens of stolen identities to cover his tracks.
"But Thompson, who ran Navy Veterans from a roach-infested duplex in Ybor City, yet became a major Republican donor and had his picture taken — twice — with President George W. Bush, has a different explanation."
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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- Sku:
Delivery Delay Company List Uelzen Germany
This dataset contains either a list of 785 companies or alternatively 172 startups (companies registered less than 5 years ago) in Uelzen, Deutschland (Germany). For each observation, the following variables are included:
- domain: The web address of the company.
- redirect: TRUE if the queried domain redirects to a new domain (e.g. because the company has acquired a new domain or has been purchased by another company and its website is now the target of the redirection). FALSE if there is no redirection. Information from redirected domains should be handled with care.
- redirected_domain: The domain to which redirected if redirect is TRUE.
- description: Self-description of the company (if provided).
- main_contact_mail: The e-mail address most likely to be the main contact address. Extracted from the company's website if available.
- Delivery_Delay_Intensity: Rating by our analytics system webAI regarding the company's delivery delayed products and supply chain.
- delivery_delay_intensity_keywords: Topic relevant keywords found on website (not available for innovation and social innovation topics).
- Delivery_Delay_Intensity_level: Interpretation and reading aid of column Delivery_Delay_Intensity.
- Delivery_Delay_Intensity_updated: Date of the last data update.
- lat: Geo-coordinates of the company location in WGS84 format.
- lon: Geo-coordinates of the company location in WGS84 format.
- NUTS0_name: Name of the state where the company is located.
- NUTS1: NUTS 1 code of the province where the company is located.
- NUTS1_name: Name of the province.
- NUTS2: NUTS 2 code of the region where the company is located.
- NUTS2_name: Name of the region.
- NUTS3: NUTS 3 code of the county in which the company is located.
- NUTS3_name: Name of the county.
This dataset was last updated on: April 2023.
Can I see the data beforehand?
Yes! Just "buy" the free data sample. In it you will find a random sample of up to 1% (maximum 100 observations, minimum 1 observation) of the companies included in the full dataset.
How reliable and accurate is the data?
We subject our data to rigorous quality assurance measures. These include internal measures as well as external validation carried out by our research partners according to high scientific standards. Since our webAI analysis tool is based on machine learning procedures respectively probability-based methods, individual misclassifications cannot be ruled out and 100% accuracy cannot be guaranteed.
Where can I learn more about the data?
Take a look at our documentation especially the one for Delivery_Delay_Intensity https://istari.ai/delivery-delays.
Have a question?
Delivery Delay Company List Uelzen Germany
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We automate market research with artificial intelligence using our webAI agents for real-time information discovery. Our agents are developed and tested with international experts and deliver reliable expert level information.


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With an anatomic cut-out shape and advanced technology, materials and craft, Antares R3 Open is a performance road saddle for riders who want a medium saddle profile and a cut-out to avoid pressure and numbness.
Made for riders with medium body flexibility and low pelvic rotation while pedaling, the Antares is a neutral profile saddle with support and flexibility so you can move to find your power spot and maintain comfort.
Antares R3 Open features a composite Carbon-reinforced nylon shell and a light, strong, corrosion-resistant K:ium rail. A Comfort Core foam layer beneath the neat, durable Microtex cover provides comfort, which is enhanced by the full anatomic cut-out that avoids pressure on the rider's sensitive soft tissue and ensures that all weight is correctly supported across the whole surface of the saddle.
Like all performance fi'zi:k road saddles, Antares R3 Open is light, flexible and agile.
- Open central cutaway
- Carbon-reinforced nylon shell
- 7mm k:ium rails
- Microtex cover
- Integrated Clip System compatible
- Dimensions: 276mm x 142mm
- Weight: 215g
- Dimensions: 276mm x 153mm
- Weight: 220g


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Mater Senior JUMP WINGS TABLE TOP SIGN
From the Altogether American licensed collection, this Master Jump Wings Table Top Sign measures 8 inches by 6 inches and weighs in at 1 lb(s). This custom metal shape is hand made in the USA using heavy gauge American steel and a process known as sublimation, where the image is baked into a powder coating for a durable and long lasting finish. This custom metal shape is drilled and riveted for easy hanging. We do not stock signs as that would be too costly to store, we begin the process of making your sign or clock after your order is confirmed! Our sublimation process takes approximately 7 business days to complete and with shipping you can expect your purchase within 7 to 10 days after order confirmation.


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NFL 2012 Season — Week Seven Recap
Overtime games and thrilling finishes highlighted the games of Week 7 of the 2012 NFL season. Here's a recap of all of Sunday's action:
N.Y. Giants 27 — Washington 23
Eli Manning threw a 77-yard touchdown pass to Victor Cruz with 1:13 left, and the New York Giants beat the Washington Redskins, 27-23, in East Rutherford, N.J. on Sunday. Cruz's score came just 19 seconds after rookie quarterback Robert Griffin III had given Washington (3-4) the lead via a 30-yard TD pass to Santana Moss. Griffin had a final chance for another rally, but Moss fumbled the ball away with 39 seconds to play as the Redskins were driving on New York (5-2).
Manning completed 26 of 40 passes for 337 yards, a touchdown and two interceptions, while teammate Cruz had seven catches for 131 yards and the game-winning score. Griffin finished with 89 rushing yards, 258 passing yards, two touchdown passes to Moss, an interception and a fumble. Redskins' rookie running back Alfred Morris carried 22 times for 120 yards.
Pittsburgh 24 — Cincinnati 17
Ben Roethlisberger passed for 278 yards and a touchdown, and the Pittsburgh Steelers beat the Cincinnati Bengals, 24-17, in Cincinnati on Sunday night. Reserve running back Chris Rainey scored the go-ahead touchdown on an 11-yard run early in the fourth quarter for Pittsburgh (3-3). Jonathan Dwyer ran 17 times for 122 yards for the Steelers. Cincinnati (3-4) was held to just 185 total yards of offense. Quarterback Andy Dalton threw for just 105 yards, a touchdown and an interception that set up Roethlisberger's 9-yard touchdown pass to Heath Miller that helped even the score at 14 at halftime.
New England 29 — N.Y. Jets 26 (OT)
Mark Sanchez fumbled in overtime to kill a potential game-tying drive, and the New England Patriots beat the New York Jets, 29-26, in Foxborough on Sunday. Stephen Gostkowski, who tied the game with a 43-yard field goal at the end of regulation, kicked a 48-yard field goal prior to Sanchez's fumble to lead New England (4-3) to the victory. Tom Brady threw for 259 yards and two touchdown passes to Rob Gronkowski to lead the Patriots. Sanchez finished with 328 yards passing and a touchdown for New York (3-4), but his two turnovers cost the Jets. Jeremy Kerley caught seven passes for 120 yards for New York.
Oakland 26 — Jacksonville 23 (OT)
Sebastian Janikowski kicked a 40-yard field goal after Cecil Shorts III fumbled on the opening drive of overtime, and the Oakland Raiders rallied to beat the Jacksonville Jaguars, 26-23, in Oakland on Sunday. Trailing 23-13 in the fourth quarter, Oakland (2-4) scored 10 points in the final 7 minutes of regulation, tying the game on Carson Palmer's 1-yard keeper with 3:34 to play. The Raiders had a chance to win in regulation, but Janikowski missed what would have been an NFL-record setting 64-yard field goal as time expired.
Palmer finished with 298 yards passing, a touchdown and an interception. Shorts caught four passes for 79 yards for Jacksonville (1-5), which lost running back Maurice Jones-Drew to a left foot injury and starting quarterback Blaine Gabbert to an injured left shoulder.
Houston 43 — Baltimore 13
Matt Schaub threw for 256 yards and two touchdowns, and the Houston Texans routed the Baltimore Ravens, 43-13, in Houston on Sunday. Arian Foster ran for 98 yards and two scores for Houston (6-1), who claimed the best record in the AFC with the victory. Baltimore (5-2) had just 176 total yards of offense. Ravens' quarterback Joe Flacco was sacked four times while throwing for just 147 yards, a touchdown and two interceptions, including one Johnathan Joseph returned 52 yards for a score. Baltimore linebacker Terrell Suggs had a sack and three tackles in his return from a right Achilles tendon injury.
Tennessee 35 — Buffalo 34
Matt Hasselbeck threw a 15-yard touchdown pass to Nate Washington with 1:03 remaining, and the Tennessee Titans beat the Buffalo Bills, 35-34, in Orchard Park, N.Y. on Sunday. Trailing for nearly the entire fourth quarter, Tennessee (3-4) rallied behind Hasselbeck for the second consecutive week. Titans' running back Chris Johnson carried 18 times for 195 yards and two scores. Ryan Fitzpatrick completed 27 of 35 passes for 225 yards and three touchdowns for Buffalo (3-4), however his interception helped set up the Titans' game-winning drive.
New Orleans 35 — Tampa Bay 28
Drew Brees passed for 377 yards and four touchdowns, and the New Orleans Saints held off the Tampa Bay Buccaneers, 35-28, in Tampa on Sunday. New Orleans (2-4) scored 28 straight points after falling behind 21-7 early in the second half. Tampa Bay (2-4) attempted to rally, but the Saints' defense, which welcomed back linebacker Jonathan Vilma from a bounty-scandal suspension, stopped a late drive in the red zone to preserve the win. Lance Moore caught nine passes for 121 yards for New Orleans. Josh Freeman threw for 420 yards and three touchdowns for the Buccaneers, while Tampa Bay receiver Vincent Jackson had seven catches for 216 yards and a score.
Dallas 19 — Carolina 14
Dan Bailey kicked a 28-yard field goal with 3:25 left and added another with 53 seconds remaining, as the Dallas Cowboys beat the Carolina Panthers, 19-14, in Charlotte on Sunday. Trailing by a point late in the fourth quarter, Dallas (3-3) drove down the field for Bailey's third field goal and added to their lead with his fourth. Tony Romo threw for 227 yards and a touchdown for the Cowboys. Cam Newton completed 21 of 37 passes for 232 yards, a touchdown and an interception for Carolina (1-5). Newton also led the Panthers with 64 yards rushing.
Indianapolis 17 — Cleveland 13
Andrew Luck ran for two touchdowns, and the Indianapolis Colts beat the Cleveland Browns, 17-13, in Indianapolis on Sunday. Indianapolis (3-3) held the Browns scoreless after Brandon Weeden threw a 33-yard scoring pass to Josh Gordon early in the third quarter. Weeden passed for 256 yards and two touchdowns for Cleveland (1-6). Vick Ballard carried 20 times for 84 yards for the Colts.
Green Bay 30 — St. Louis 20
Aaron Rodgers passed for 342 yards and three touchdowns, and the Green Bay Packers beat the St. Louis Rams, 30-20, in St. Louis on Sunday. Green Bay (4-3) led 17-6 at the end of the third quarter and cruised to the victory over St. Louis (3-4). Jordy Nelson caught eight passes for 122 yards and a touchdown for the Packers, while teammate Randall Cobb had eight catches for 89 yards and two scores. Sam Bradford threw for 255 yards, a touchdown and an interception for the Rams.
Minnesota 21 — Arizona 14
Adrian Peterson rushed for 153 yards and a touchdown, and the Minnesota Vikings beat the Arizona Cardinals, 21-14, in Minnesota on Sunday. Rookie Harrison Smith returned an interception 31 yards for a touchdown early in the second half to provide the margin of victory for Minnesota (5-2). The Vikings held off Arizona (4-3), which had three turnovers in the game. Vikings' quarterback Christian Ponder was a dreadful 8 for 17 for just 58 passing yards, a touchdown pass and two interceptions.
Quarterback John Skelton was sacked seven times, while throwing for 262 yards, a touchdown and an interception for the Cardinals. LaRod Stephens-Howling carried 20 times for 104 yards and a score for Arizona, while Andre Roberts caught seven passes for 103 yards.
Bye Week:
Atlanta, Denver, Kansas City, Miami, Philadelphia, San Diego


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24/7 Emergency Service – Call Now: 0406 333 300
With so many people now residing in Gold Coast, It's essential that all residents and businesses seek to protect themselves and their premises with high quality security systems. As a trusted Lower Beechmont Locksmith who has been providing professional locksmith services to the area for over two decades, our team of trade-qualified technicians offer a comprehensive range of robust locksmith solutions for residential properties, businesses and government and educational facilities alike. In addition to installations and maintenance of security systems, we provide a premium 24 hour emergency locksmith call out service that ensures swift assistance to any location in Lower Beechmont, at any time of the day or night.
- We're a Phone Call Away 24/7: No matter where you are, or what time it is, if you're in Lower Beechmont and are in urgent need of immediate assistance, we can be out to you in an instant. Our team is on standby 24 hours a day. All emergency calls are tended to within 30 minutes. GUARANTEED.
- Unequalled Experience: Our team has been providing expert locksmith services to Lower Beechmont and surrounding suburbs for decades, assisting a countless number of distressed motorists regain access to their cars, homes and businesses once more. On top of this, we've installed thousands of premium quality locking mechanisms and elaborate security systems for homes, businesses and large scale enterprises.
- Leading-Edge Locksmith Technology: We understand the irritation and annoyance a lock-related mishap creates, which is why our mobile locksmiths are armed with the latest in keying equipment, guaranteeing a swift resolution to all emergency call-outs.
- Affordable Pricing: Whether you require our 24 emergency service or are wishing to upgrade your existing household or business security measures, our prices are very reasonable.
- Responsible & Trustworthy: Delivering a first class service means employing trustworthy individuals who approach their work with the utmost professionalism and integrity. Every Allcoast locksmith is an ambassador for our brand and our values and all locksmiths who apply to work for us undergo mandatory criminal history checks and fingerprint checks before being considered for employment with us.
- Fully Licensed: All locksmiths have undergone all the necessary training to ensure that they can complete all tasks required of them, to the highest standards and they all carry a full registration with the Master Locksmiths Association of Australasia.
While we all love our keyless entry remotes (transponders) – whether it's to open our car doors or activate the electric door on our garage, sometimes these convenient little gadgets aren't so convenient. Whether you've been denied access to your vehicle (or garage) by a defective transponder that refuses to let you in, accidentally locked yourself out of the house, or found yourself the victim of any number of lock-related setbacks that require urgent assistance, the team at Allcoast Locksmiths is here to help you, 24 hours a day. All emergency callouts in Lower Beechmont are tended to within 30 minutes. GUARANTEED.
Upon receiving your call for emergency assistance, our mobile locksmith will immediately:
- Engage their on-board GPS system to give you a clear-cut estimate of their expected arrival time (as opposed to a vague "Yeah, I'll be there soon")
- Always deliver a first class service
- Complete all work in a respectable manner
Please note – in accordance with Australian law, all civilians are required to provide valid ID to us, upon our arrival. For a more detailed summary of our emergency locksmith services, please visit our emergency services page.
Auto Locksmith Services
At Allcoast Locksmiths, we've been providing premium quality auto locksmith solutions throughout Lower Beechmont and adjacent areas for over 25 years. Ready to take your call, 24 hours a day, our trade-certified technicians can respond to your distress call at a moment's notice and be out to your location immediately. All auto locksmith emergency calls are tended to within 30 minutes, GUARANTEED.
Whether you've:
- Lost your car keys
- Found yourself locked out of your car
- Need a duplicate set of car keys cut
- Found yourself the victim of an unresponsive transponder that refuses to open your doors
- Have old keys that have since become worthless
It doesn't matter what auto lock-related issue you're currently experiencing, the team at Allcoast Locksmiths can help you. For a more detailed summary of our 24/7 auto locksmith services, please visit our auto services page.
Residential Locksmith Services
Your family and your personal items are your most cherished valuables and it's crucial that both receive protection and security they deserve. By enlisting the services of an experienced and respected name in the locksmith industry to inspect your existing home security, pinpoint possible vulnerabilities and provide expert advice on how to maximise your security, you'll be safeguarding your loved ones against unwanted intruders.
We provide a comprehensive range of residential locksmith services that include:
- A total home security assessment. We perform an exhaustive inspection of your current security measures to determine possible weak spots. During this inspection, we test all door locks, deadbolts and window locks to ensure that they aren't suffering from the effects of wear and tear
- Promptly replace or repair all locks as required
- Cut additional keys for you to replace missing or broken ones
- Perform professional installations of all home security locks (doors, windows, security screens, garages, tool sheds)
- The installation and maintenance of advanced home security systems
And anything and everything else pertaining to home security. To learn more about our residential locksmith services, visit our residential locksmith services page.
Commercial Locksmith Services
As an experienced Lower Beechmont locksmith with a reputation of delivering premium quality, professional locksmith services throughout the Gold Coast region, our locksmiths are entrusted with the installation and maintenance of security systems for some of the Gold Coast's most esteemed businesses, schools and government facilities. With a sizeable knowledge in all areas of commercial security, our trade qualified technicians are highly proficient in the deployment of high level security systems for all manner of large scale buildings, and we've developed a level of master keying aptitude that is unsurpassed by our competitors.
We offer commercial locksmith services for the following:
- Businesses (Small, medium, large)
- Government facilities
- Shopping centres (main entrances and individual store security)
- Motels, Hotels
- Schools
- Sporting clubs
- Large scale storage facilities (Factories, Warehouses etc)
DEPENDABLE Lower Beechmont LOCKSMITHS
If you own and operate a business in Lower Beechmont, we strongly recommend that you take all necessary precautions to ensure that your locks and security systems provide high level protection against unwanted intrusions. As a respected name in the locksmith industry, we provide professional installation of the following security devices:
- Jewellery and cash safes
- Deadbolts
- Firearm safes
- Alarms and security systems
- Time delay safes
- Data and file safes
- Window locks, security screen door locks
- Front and back door security
- Garage door locks
- Shed and roller door locks
Able to respond to your call at a moment's notice, our personnel will gladly provide all manner of emergency domestic and commercial services during after-hours times, whenever you require them.
All security mechanisms can be quickly repaired by our locksmiths, including the replacement of barrels and locks, as well as the replacement of all vehicle transponders.


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In-Home Senior Care in Carson, California
Would you or a loved one benefit from in-home senior care in Carson? If so, please contact us at Amada Senior Care in Carson for a Free Care Needs Consultation. We specialize in providing comprehensive, non-medical, in-home care to seniors in the Carson area. Our mission at Amada Senior Care is to enrich seniors' lives, first by helping them live safely in their own homes, and second by supporting them as they continue to pursue their favorite activities, hobbies, and interests. Among the personalized services Amada in Carson home-care aides provide to our clients is assistance with activities of daily living (ADLs)—everything from meal preparation to medication reminders to transportation to shopping to running errands and much more.
What further separates Amada Senior Care from every other company who provides home care in Carson? For one, our services at Amada Senior Care in Carson are not limited to in-home care. As part of our mission to enrich seniors' lives, we also provide expert senior housing advisory services in the Carson area, financial counseling to make care more affordable, and representation as your personal advocate for accessing and activating Long-Term Care insurance (LCTi) benefits.
In-Home Senior Care in Carson
Lending a hand with ADLs certainly is important, but a crucial element of caregiving that our home care aides provide is what many describe as "good old-fashioned companionship." To us at Amada in Carson, enriching senior clients' lives every day means ensuring that they are not just safe and comfortable, but also happy and thriving. For this reason, we work with senior care clients and their families in Carson to create a customized home care plan that will enable seniors to remain safely independent and comfortable in their homes.
As part of our comprehensive senior care plan, we match each home care client and family with one of our trained Amada caregivers who will best complement their personality and meet her or his unique needs.Whether our in-home caregiver is making Grandma's favorite supper, trimming Dad's beard just right, or simply listening to concerns about your loved one, you can always be certain that your family at Amada Senior Care in Carson is with you through every step of your senior home care journey. We strive to provide the highest quality of senior in-home care with a sense of warmth, kindness, and compassion. Our team proudly offers elder home care services to California in Carson and Amada Long Beach
Caring for Seniors in Carson
At Amada Senior Care in Carson, we realize that what we do affects not only our senior home care clients, but also the people who love them and who worry about them. When a family member has a need you can't fulfill, it is common to feel frustrated and even helpless. By involving a seniors' loved ones in our senior care plans and remaining in frequent communication with them, we gain deeper insight into our clients' needs and ease concerns about his or her safety, quality of life, and comfort.
To learn more about how an Amada Carson in-home caregiver can enhance comfort and safety by helping you or your loved one with ADLs and life-enriching activities, please contact us for a Free Care Needs Consultation. Our goal is to create a nurturing environment for each of our senior home care clients so that we can help them continue doing the things they love. Home care is more than just a job for us at Amada Senior Care in Carson—it is our calling.
The development of a customized senior care plan is only the beginning of our journey with clients who need home care in Carson. We regularly monitor each home care aide and check in with our clients and their families so that we may be certain we are continuing to provide the very best care and companionship.
Senior Home Care in Carson
Because your senior loved one's needs come first, we take a consultative approach to home care in Carson. As experts in Long-Term Care insurance claims, we assist our clients with the complexities of verifying benefits and submitting claims. We also determine what benefits may be available through the Veterans Administration for those clients or their spouses who have served in the military. For private pay clients, we can enlist the help of a senior home care financial adviser to recommend the best payment options for in-home care in Carson.
If circumstances dictate that a senior community is a better alternative than in-home care, we are happy to recommend communities that we have pre-screened by way of an in-person visit. Choosing the best company for home care in Carson is something most people are not prepared for. Our advisers at Amada Senior Care in Carson are here to show you the way. You want what's best for your family, and we understand family.
Should the time arrive when the home care environment is no longer ideal for your senior loved one, we will help you find the ideal senior community in the Carson area to meet all your senior loved one's specific physical, emotional, and financial needs. We have years of experience and knowledge of senior living options in the Carson area, along with strong relationships with the coordinators who oversee assisted living, skilled nursing, board-and-care homes, and other communities. We understand that, especially for people new to elder care, the many senior living options available in the Carson area can be overwhelming. We help our senior home care clients and their families explore all options with wisdom, patience, and understanding, so that you can feel confident your in-home care is in the best hands.
At Amada Senior Care in Carson, we will support you and your family every step of the way. We want to reduce our clients' burdens and make all aspects of home care in Carson as easy and stress-free as we can. Let us coordinate an in-home senior care plan that makes the best use of your or your loved one's long-term care insurance benefits, manages payments, and takes care of other details so you and your family can focus on more important matters.
Amada Senior Care Caregivers' Commitment
We are committed to exceeding the expectations of every family we work with. We realize that inviting us into your lives and home is a sign of trust. The senior home care advisers and caregivers at Amada Senior Care in Carson will strive every day to make certain your trust in us is well-placed by providing the highest quality of personalized and compassionate senior care in Carson. In addition, we hope to be a source of support, guidance, and comfort to you and your family, because we believe that nobody should navigate in-home care alone.
If you or a loved one would benefit from home care in Carson, please contact Amada Senior Care in Carson for a Free Care Needs Consultation. We work with families to create a customized plan of care which enables seniors to remain safe, independent, and comfortable in their homes, but our services are not limited to in-home care. We also provide expert senior housing advisory services in the Carson area, financial counseling to make care more affordable, and more, because it is our mission to support you and your loved ones through every step of your senior care journey.
If you're looking for home care in Carson, please reach out to us for a free needs consultation or call 310-953-0440.
At Amada Senior Care in Carson, we understand that seniors and families make better care decisions when they're aware of all their care options. When you're ready for for home care in Carson, Amada's care advisors will help you understand all available care options and the available financial options to fund one of our expert caregivers. In our experience, we've found that quality Carson home care can be difficult to come by. That's why you need a Carson senior care agency you can trust.
Latest Reviews
Amada really stepped up and met our last minute request for
24/7 caregiving to accommodate elderly parent coming home
from hospital who was injured from a fall. They had great
suggestions for what equipment and supplies would be
needed and understood the complexity of the care required.
I highly recommend them to anyone looking for compassionate
Amada could not have been better. Cyndi and Sandi thoughtfully listened to our situation and created a post-rehab care plan for my mother in law, which was seamlessly executed upon her release. The care she received from the Amada caregivers was A+. They were professional and thoughtful and made a difficult situation much easier. In an industry full of sub-par providers, Amada is a true gem. They will be our first call should the need arise again.
Amada Care team & staff is super amazing & helpful from the first day I started.
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working for them I totally recommend them.
Cindy & Sandy and the rest of the team are super helpful.
Thank you guys♥
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Adidas AG is a German multinational corporation that designs and manufactures sports clothing and accessories based in Herzogenaurah, Bavaria, Germany. It is the holding company for the Adidas Group, which consists of the Reebok sportswear company, TaylorMade-Adidas golf company (including Asworth), and Rockport. Besides sports footwear, Adidas also produces other products such as bags, shirts, watches, eyewear, and other sports- and clothing-related goods. Adidas is the largest sportwear manufacturer in Germany and Europe and the second biggest sportswear manufacturer in the world.