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The Hope College Theatre production of "Rose and the Rime" is one a select group of plays nationwide invited to be presented during the Kennedy Center American College Theater Festival (ACTF) National Festival in Washington, D.C., in April.
"Rose and the Rime," which was written at the college, is one of only three full-length college/university-staged plays chosen for this year's national festival from among the best productions highlighted during the eight ACTF regional festivals held around the U.S. in January and February. "Rose and the Rime" was the only production from the ACTF Great Lakes Region festival in Milwaukee, Wis., to have the honor of being under consideration for the national festival.
"We are incredibly excited and honored to be selected to perform 'Rose and the Rime' at the Kennedy Center in our nation's capital," said Michelle Bombe, who is director of theatre, professor of theatre and resident costume designer at Hope. "This honor is the culmination of an amazing journey - from humble ideas of what might happen if we brought in a guest artist to write a play with and for our students, to a challenging and motivating process of creation, to the incredible success it had on our campus last spring, to having college theatre students jumping to their feet at the regional festival in Milwaukee, and now to be recognized on a national level - truly amazing."
The non-competitive national festival - Bombe noted that selection is the recognition -- will run Monday-Sunday, April 14-20, at the John F. Kennedy Center for the Performing Arts. Hope College Theatre will present "Rose and the Rime" on Thursday, April 17, at 7:30 p.m. in the center's Terrace Theater.
The last Hope production invited to be presented during the national festival was "Tea and Sympathy" in 1983. The last time that a Hope production had been chosen for presentation during the regional festival was "The Dining Room" in 1988. The other Hope productions selected for regional presentation through the years have been "Hallelujah" (1971), "Bull Moose" (1975), "Mack and Mabel" (1981), and "Tea and Sympathy." Most recently, in 2004, a scene from Hope College Theatre's production of "Iphigenia and Other Daughters" was chosen for presentation during the regional festival's "Evening of Scenes."
Hope College Theatre originally presented "Rose and the Rime" during the 2006-07 school year, on Friday and Saturday, April 20 and 21, and Wednesday-Saturday, April 25-28, in the DeWitt Center main theatre. The show was written and created by guest artist Nathan Allen, who was also the production's director, in a collaborative effort with the cast and design team.
"Rose and the Rime" is set in the fictional town of Radio Falls, Mich., where it is always winter. The community has been laid waste by the terrible Rime Witch, and is a world without flowers, apples, mail or dancing -- but with an abundance of snow, wind and ice cream. The shining beacon in the wintry gloom is a young girl named Rose, who takes it upon herself to make a treacherous journey to the frozen cave of the Witch in the hope of changing her town's fate.
Several of the original cast members have been reprising their roles in the production: 2007 graduate Jennifer Blair of Libertyville, Ill., as Ethel May-Bell; junior Isaac Bush of Muskegon as Charlie Sutherland; senior Dane Dandridge Clark of Grand Rapids as Hank; 2007 graduate Chad Coe of Birmingham as Gary Smackhouse; 2007 graduate Kate Finkbeiner of Haslett as Adelaide Avram; 2007 graduate Youngmee Sharon Kwon of Ann Arbor and Tae-jon, South Korea, as Granny Sadie; 2007 graduate Cody Masalkoski of Lansing as Uncle Roger; senior Brandon Ruiter of Grand Rapids as Jimmy Sutherland; sophomore Brittany Stock of St. Charles, Ill., as Hazel Davis; and senior Rachel Wells of West Bend, Wis., as Rose. The original cast has been joined by seniors Katherine Bramley of Northbrook, Ill., as Betty Duncan, and Jocelyn Vammer of Midland as Loretta Laroche and the Rime Witch.
The production team includes a mix of Hope students and faculty and staff. The scenic designers are faculty member Richard Smith and seniors Sarah Watkins of Bloomfield Hills and Stephanie Gavin of Granville, Ohio. Costume design is by faculty member Michelle Bombe and senior Amanda Spaanstra of Wyoming. Erik Alberg of the staff is lighting director, and senior Mike Olson of Holland is student lighting designer. Sound designer is faculty member Perry Landes. Stage manager is 2007 graduate Kate Goetzinger of Indianapolis, Ind., while the assistant stage managers are 2007 graduate Katie Eagan of Highland Park, Ill.; sophomore Jeri Fredrickson of Wheaton, Ill.; and sophomore Lenore Ojibway-Gifford of Lansing.
Senior Stephanie Lawson of Mount Vernon, Ohio, is production manager and house manager. Freshmen Christine Worden of Midland and Jackie Richards of Worthington, Ohio, are doing wardrobe. Serving on the lighting set and crew are sophomore Sara Gosses of Amherst, Ohio; sophomore Kenneth Chamberlain of Metuchen, N.J.; junior Laura Van Tassell of Spencer, Iowa; freshman Ben Hertel of Fennville; and junior Katie Terpstra of Zeeland. Working on front-of-house crew is senior Stacy Thomas of Clare.
Allen is the artistic director of the House Theatre Company in Chicago, Ill., and worked with the students throughout the 2006-07 school year in creating the play. He began in October 2006, with monthly intensive workshops for actors, directors, technicians and writers which culminated in his residency at the college in March and April of 2007.
Originally from Colorado, Allen graduated from Southern Methodist University in 2000 with a BFA in acting. After his experiences in college and abroad, Allen and friends from SMU and the BritishAmericanDramaAcademy moved to Chicago to start their own theatre company. Their mission was to collaborate and create a non-elitist theatre community where they could write, act, direct, and realize their own work. Within a year and a half, they had incorporated the House Theatre Company.
The Kennedy Center American College Theater Festival is a national program designed to encourage excellence in college and university theater in the United States. Started in 1969, the program involves 18,000 students from more than 600 academic institutions throughout the country.
The program is divided into eight regions. The Great Lakes "Region III" includes colleges and universities from Illinois, Indiana, Michigan, Ohio and Wisconsin.
In addition to "Rose and the Rime," the full-length, college- and university-staged productions chosen for the festival are "In the Blood" by Suzan-Lori Parks, from the University of Alabama-Birmingham; and "Ernestine Shuswap Gets Her Trout" by Tomson Highway, from the University of Oklahoma. The festival will also include two finalists for the John Cauble Award for Outstanding Short Play; productions to be featured during the event's "Short Play Festival," with selections from Weber State University's "The Musical of Musicals (The Musical!)" by Joanne Bogart and Eric Rockwell; a showcase performance from Wichita State University's production of "Wild Party" by Andrew Lippa; and "A House Full of Letters" by Kit Steinkellner of the University of California-Los Angeles.
The college's Office of Alumni and Parent Relations is planning a reception at the Kennedy Center for alumni and friends of the college in conjunction with the national performance of "Rose and the Rime." The event will take place on Thursday, April 17, at 6 p.m., and admission will include both the reception and a ticket for the play. Additional information about the reception may be obtained online at https://hope.edu/alumni/ or by calling the office at (616) 395-7250.
Additional information about the Kennedy Center American College Theater Festival may be obtained online at http://www.kennedy-center.org/education/actf/


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Released in time to coincide with The Matrix Reloaded, Enter the Matrix actually takes place during the same time frame as the movie. Choosing from Morpheus' female counterpart Niobe or 'spiritual martial arts warrior' Ghost, you must help prevent the machines that have ravaged Earth from destroying what few 'real' humans remain on the planet. Naturally, once you're jacked in you'll have access to thousands of authentically choreographed martial arts manoeuvres and, of course, guns. Lots of guns. You'll also experience high-speed driving action and pilot a hovership through the Sentinel infested tunnels of earth's subterranea. Do you want to find out just how deep the rabbit hole goes?
Unlike typical film tie-ins, Enter the Matrix has had creative input from many of the films' key players, both in front of and behind the camera. Jada Pinkett-Smith and Anthony Wong, who play Niobe and Ghost respectively, reprised their roles from the film for both the specially filmed extra hour of live footage and all of the in-game action. Using revolutionary body capturing techniques, the two actors have been recreated to an almost eerie level of detail. And, although you don't get to play as them, Neo (Keanu Reeves), Trinity (Carrie-Anne Moss) and Morpheus (Laurence Fishburne) all make appearances as the storyline - which actually dips in and out of The Matrix Reloaded - progresses.
Behind the scenes, directors the Wachowski brothers wrote a complete side story to run concurrently the second film in the trilogy and also provided a guidance for the game's direction, both in terms of visuals and gameplay. Fight choreographer Yuen-Wo Ping oversaw the motion capture of literally thousands of fighting moves. Even the set designers contributed to the 'sets' in the game.
You'll spend most of your time cracking Agent skulls (as well as a mysterious vampiric menace) in the game's fast-paced, on-foot action-adventuring sections, using your 'Focus' to activate the infamous 'bullet time' effect and slow your enemies' attacks down to a snail's pace. Occasionally, however, you'll get to jump behind the wheel of various automobiles and engage in thrilling driving sections that are reminiscent of Reloaded's stunning highway chase scene. Back in the real world, you'll have to help protect Zion, the last city of man, from the mechanical-tentacled threat of the Sentinels, piloting the Logos through miles of disused tunnels and blasting the 'droids with the heavy firepower at your disposal.
The simple fact is that Enter the Matrix isn't just a video game set in the film's universe - it's a highly integral part of the multimedia Matrix experience that the Wachowskis aimed to create. Not only do events from the game spill into Reloaded's action, but the film also converges with ETM. If you haven't seen one or played the other, you'll never be able to see the full picture. Which makes it a great relief to find that Enter the Matrix is a hugely playable and highly polished title with amazing production values that isn't so much the game of the movie as it is the game within the movie. The best film tie-in to date? We'll leave that up to you to decide...
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subset: commoncrawl


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Fees and funding for full-time training
The MGA Academy of Performing Arts is the only Council for Dance and Drama Education and Training college in Scotland. We are also the largest independent SQA Approved Centre running professional training courses in Scotland. All tuition fees are kept to an absolute minimum but do reflect the expertise of the teaching staff, quality of facilities, small class sizes and sheer number of contact teaching hours offered.
Eligible students can receive approximately £1,205 funding from the Student Awards Agency for Scotland each year. Visit www.saas.gov.uk to apply or to find out if you are eligible.
Full‑time Scottish nationals can apply for SAAS funding and you will need to apply through the SAAS website before the appropriate date.
- All deposits and tuition fees are non refundable.
- Payments including deposits must be made by bank transfer (account details are available upon request), cheques and cash can be accepted with prior notice. MGA is happy to discuss other payment methods on an individual basis and accepts most credit cards.
- A discount of 5% applies for payment of one year of tuition fees in one lump sum before 1st June of that year of study.
- A discount of 10% applies for payment of three years of tuition fees in one lump sum before 1st June of the first year of study.
Serving members of Her Majesty's Armed Forces (Regular and Reserve) and their children receive a 5% discount on all our tuition fees.
Course fees
Please view our fee sheet for full information and read the notes carefully – you can also contact us to arrange a consultation.
Download the current fees for September 2021 entry »
Course fee terms
- Enrolment is for the course in its entirety (three terms per year of study).
- One full term's notice is due for termination of attendance.
- Registration fee for the year is to be paid upon acceptance of place and then annually upon offer of entry into each subsequent year of study.
- Annual tuition fee is paid in three termly instalments per year of study: 1st August (Term 1), 1st December (Term 2) and 1st April (Term 3).
- All registration and tuition fees are non refundable.
- Payments to MGA must be made by bank transfer, cheque or cash.
- Students are responsible for applying to any and all funding sources including SAAS.
- The fee amounts shown in the current fee sheet do not take into account SAAS support that eligible students may receive.
- Annual tuition fee increases for students enrolled on our courses will not exceed the rate of inflation, as measured by the Consumer Price Index (CPI).
- A discount of 5% applies for payment of one year of tuition fees in one lump sum before 1st June of that year of study; a discount of 10% applies for payment of three years of tuition fees in one lump sum before 1st June of the first year of study.
The following course-specific related costs are NOT included in the fees:
- Technical clothing as per class requirements
- Scripts/books as required by subject reading list
- Student Union Membership
- Visits to the theatre
- Accommodation and Living expenses
- Photocopying
- Professional headshots
- International educational trips
- Entry into Spotlight
- Equity Membership
- Travel and accommodation for London showcases
Other expenses…
Audition Fee: MGA do not (and have never) charged an audition fee!
Annual Registration and academic charges: for all full-time courses, payable on registration for each year of study.
- Acting – £1,750 per year
- Musical Theatre – £1,750 per year
- Dance for Commercial Performance – £1,750 per year
Accommodation and living costs: MGA does not have any on-campus accommodation, but will assist all students upon successful entry to a course by placing them in contact with local providers of student accommodation and private landlords. (More information on accommodation here.)


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Shots don't fall for FSU in loss to Wake Forest
WINSTON-SALEM, N.C. (AP) -- Travis McKie scored 15 points to help Wake Forest beat Florida State 71-46 on Saturday, snapping a four-game losing streak.
C.J. Harris added 14 for the Demon Deacons (11-12, 4-7 Atlantic Coast Conference), who led the entire afternoon on the way to matching their league win total for all of last season. Wake Forest was in complete control almost from the tip, leading by 11 points in the first half before blowing the game open in a surprisingly easy finish.
The Demon Deacons dominated the boards and finished with a 45-25 advantage, which led to a 19-1 edge in second-chance points and helped them shoot 49.1 percent (26 of 53).
Michael Snaer and Okaro White each scored 13 for the Seminoles (13-10, 5-5), who shot just 25 percent (6 of 24) after halftime and managed just one field goal over a 9-minute span as the Demon Deacons pulled away.
Freshman Codi Miller-McIntyre added 14 points for Wake Forest, while Chase Fischer scored 10 off the bench. Wake Forest's only real hiccup was a 12-for-22 performance (55 percent) at the foul line.
Wake Forest had lost six of seven coming in, with its last win being an 86-84 upset of North Carolina State here on Jan. 22. Three of the past four losses since had come on the road, where the Demon Deacons have compiled an ugly 1-21 record in league play since third-year coach Jeff Bzdelik's arrival.
At least this year's Demon Deacons are making Joel Coliseum a tough place to play again.
Wake Forest improved to 4-1 at home against league opponents, with the only loss being against Duke in a game that came down to the final minute. The Demon Deacons earned their first win against Florida State since February 2009 and held an ACC opponent to fewer than 50 points for the first time since an 87-48 win against the Seminoles eight years ago.
Florida State was coming off a 56-54 win at Georgia Tech on Snaer's driving layup at the horn, the fifth last-second winning basket by the 6-foot-5 senior in the past two seasons. Snaer went 4-for-13 from the field in 36 minutes.


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Wednesday's trading session saw December corn settle ½ cent lower at $4.20 while the November bean contract finished the day unchanged at $9.99. The Chicago wheat contract was weak for the majority of the day and ended up settling just off the lows in the December contract down 27 ¼ at $6.80.
There was nothing in the way of fresh news to influence the day's trading session. It appears that there is positioning ahead of Friday's September option expiration in both the corn and bean market. The $4.00 level in September corn and $10.00 level in September beans are key areas to watch as we head into Friday's expiration. The break in the wheat market in our opinion is linked to the fact that from a cash standpoint we are still non-competitive in the USA compared to other global suppliers.
Tomorrow morning at 7:00am CST we will have a Census Crush report. The Census Crush estimate is between 127.5-129.0. The June crush number was 129.17. We will release the crush number in our EHedger Morning commentary.
Also, the USDA will release its weekly export sales numbers tomorrow morning at 7:30am. The estimate for corn sales is between 650,000mt-1,450,000mt. The sales estimates for beans are between 750,000mt-1,100,000mt. The wheat sales are estimated to be between 550,000mt-900,000mt. We will release the actual sales numbers in all of EHedger Morning and afternoon commentaries.
I have talked about how long the funds have been in previous letters. When the funds get this long, there is a risk the price drops on liquidation. On top of this we are starting to see flight-to-quality in the outside markets. If we get harvest pressure at the same time as pressure from outside markets, grains could see more weakness than expected. I'm not saying this will happen, but it is important to be hedged, especially at levels which are profitable for many producers.
We do think corn has the tightest fundamentals but we don't like going into harvest unprotected. We are still working to buy corn calls on a break to cover current hedges. For those producers that need to get caught up on sales please call your broker to discuss current strategies.
Get More From EHedger.
Our commentaries are just one part of our whole risk management service. Please go to http://www.ehedger.com/getmore.html for a free two-week trial of our full member website that gives you access to all our hedge and marketing recommendations, educational tools, market snapshots and much more.
Also learn about our acclaimed AMMO Program that helps producers optimize their marketing strategies using the premier tools and insights in the industry.
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Trading commodity futures and options involves substantial risk of loss and may not be suitable for all investors. The market information contained in this message has been obtained from sources believed to be reliable, but is not guaranteed as to its accuracy or completeness. Market information may not be consistent with current or future market positions of E Hedger, its affiliates, officers, directors, employees, or agents. Recipients assume the risk of reliance on and indemnify and hold E Hedger harmless for any and all losses, costs, or tax consequences incurred as a result of their use of market information.


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#DDay70: Editorial from the French Ambassador [fr]
regarding commemorative events on June 6th
Today marks the seventieth anniversary of the Allied landings in France. What meaning should we give to these commemorations? First of all, observing an anniversary of the D-Day landings means remembering the Franco-Canadian friendship that was forged in this trial by fire. It means paying tribute to the bravery of the young people lost on the beaches of Normandy.
These men who crossed the Atlantic came from Montreal, Moncton, Toronto, Winnipeg, Vancouver, Victoria or Regina to liberate our country. They were but twenty years old, with their whole lives ahead of them. They were prepared to give everything for our liberty. I find it moving to think back on the experiences that soldier Gérard Bouchard lived through on that particular day: "We landed, we had to run 1000 feet and then dig ourselves trenches big enough for our bodies. We gained ground step by step. It was Hell!"
On June 6th, 1944, 15,000 Canadian soldiers from the 3rd Infantry Division landed on Juno Beach. For France, their arrival meant the end of night. A night that had lasted 1,500 days. The long night of Nazi occupation. There, on the beaches of Normandy, hope would be reborn.
By the evening of D-Day, Canadian soldiers had successfully penetrated deep into French territory after facing some of the strongest resistance yet on the beaches. Historian John Keegan very rightly paid homage to the courage that they displayed on June 6th, 1944, a courage in which a "whole nation could take considerable pride."
One group in particular that comes to mind is the French-Canadian Régiment de la Chaudière, who landed on June 6th at about 8:45 in the morning. This came as a surprise to the local populace, who certainly did not expect to meet Francophone troops among the Allied forces! Throughout the month of June, this regiment fought tirelessly around the city of Caen. This regiment helped to close the Falaise Gap, a decisive maneuver that opened the way for the liberation of Paris in late August.
For all of these reasons, I remember that it was the sacrifices made by Canadian soldiers that helped my country free itself from the Nazi forces. The best pages in that generation's history were surely written at that time. Those Canadians who fell during the landings are at rest in a military cemetery in Bény-sur-Mer, France. Their graves bear a grey cross and the inscription "Mort pour la France". We are thus eternally in their debt.
Today, June 6th, 2014, we are celebrating this shared history through unique commemorative events taking place on the same beaches where the landings took place. It is an honour to welcome Prime Minister Stephen Harper for a joint Franco-Canadian ceremony.
Commemorating the D-Day landings also means celebrating the fraternity of democracies. It means remembering the blood that has been spilled in the name of freedom. It means defending the shared values in the name of which our elders fell: the respect for human rights, the love of liberty, and the protection of human dignity.
Commemorating the D-Day landings also means addressing a new generation of people. I hope that we take the opportunity presented by these celebrations to pass the flame of remembrance on to this new generation. To these young people who have only known peace and democracy, I would like to say: remember how fragile these things are! Remember how precious they are!
More than ever, celebrating our shared history is about more than nostalgia. It is a matter of looking to the future without forgetting anything from our past. It is a matter of taking on an immense responsibility: living up to the sacrifices made by soldiers on June 6th, 1944.
Dans la presse canadienne :


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A user mentioned one call is faster in test than in prod. And the table has the same size. How could we tune the production to make it quick?
user007@PROD> select count(*) from t;
Elapsed: 00:03:05.00
Let's try in test :
user007@TEST> select count(*) from t
select count(*) from t
ERROR at line 1:
ORA-00942: table or view does not exist
Elapsed: 00:00:00.16
Wow, 00:00:00.16! This is a much quicker response time. Probably the ORA-942 was catched by the application and the user did not realise it…
Next time someone ask you to tune a count(*), just revoke access to the table to optimize the response time 😈


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Q4 2019 Zumiez Inc Earnings Call
12/3/2020 17:00
Conference Call Zumiez Inc
Zumiez Inc Conference call will be held on Mar 12, 2020. During the earnings conference call's session Zumiez Inc will provide updated information and financial status.
Conference call is also referred to as: teleconference call or audio conference bridge. Conferencing service is provided in house or as cloud based teleconference service.
In order to join the audio conferencing dial conference bridge and key in the PIN code, Contact Zumiez Inc for this information
Schedule an online conference with QCONF conference service and get 5 free calls with online conferencing.
Zumiez Inc., including its wholly-owned subsidiaries, is a leading specialty retailer of apparel, footwear, accessories and hardgoods for young men and women who want to express their individuality through the fashion, music, art and culture of action sports, streetwear, and other unique lifestyles. Zumiez Inc. was formed in August 1978 and is a Washington State corporation. At January 30, 2016, we operated 658 stores; 592 in the United States ("U.S."), 42 in Canada and 24 in Europe. We operate under the names Zumiez and Blue Tomato. Additionally, we operate ecommerce websites at www.zumiez.com and www.blue-tomato.com. We completed the acquisition of Snowboard Dachstein Tauern GmbH and Blue Tomato Graz Handel GmbH (collectively, "Blue Tomato") during fiscal 2012. Blue Tomato is one of the leading European specialty retailers of apparel, footwear, accessories and hardgoods. We employ a sales strategy that integrates our stores with our ecommerce platform.Read more Conference Call


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Convertible bonds are for those who can't make up their minds whether to buy a bond or buy stock in a company. Just kidding! Nevertheless, it might be a good way to think about what convertible bonds really are as an investment vehicle.
All convertible bond questions on the Series 7 refer to "corporate" bonds, namely they are bonds issued by companies. There are no such things as convertible Treasury, U.S. agency or municipal bonds. There are convertible preferred shares, also issued by corporations, but we will not be discussing them at this time.
Similarities between Convertible and Non-Convertible Bonds
Just like any other corporate bond, when you buy a convertible you are buying debt (lending money to) a corporation at a nominal rate of interest, paid to you semiannually. You pay par value ($1000 per bond) and expect to receive par back at maturity.
Differences between Convertible and Non-Convertible Bonds
There are differences, however, between convertible corporate bonds and non-convertibles. You should expect to receive a lower nominal interest rate in return for the convertibility feature discussed below. On the hierarchy of distribution of assets in case the company were to go bankrupt, a convertible normally ranks as a debenture or more often, a subordinated debenture. Thus it is only above preferred and common shareholders. Finally, even if you plan to hold your convertible until maturity and never convert it into stock, the market value of your convertible bond will fluctuate based on both the value of the company's common stock and the general level of interest rates in the economy.
Convertibility Feature
What intrigues people about convertible bonds is the fact that they have control over deciding when or if to convert the bond into a set number of shares in the company. At the time the convertible bond is issued, a conversion price is set. To determine the number of shares the bond can be converted into, just divide the price of the bond ($1000) by the conversion price.
So if the conversion price is $40, $1000 divided by $40 equals 25 shares per bond as detailed in example 1 below.
Example 1
CP = Conversion Price = $40
Par Value of a Bond = $1000
Number shares bond may be converted into = $1000/$40 = 25The number of shares is also known as the "Conversion Ratio" or CR.
On the Series 7 exam you will be given either the CP or the CR and asked to determine the other's value. To determine the CP when you are given the CR:
CP = $1000/CR = $1000/25 = $40Secondary Market for Convertible Bonds
After the convertible bond is first sold, its value will be determined by the marketplace. If the market price of the stock is below the conversion price, the bond itself is still worth $1000 at maturity. Its market value will fluctuate inversely with interest rates just as all bonds do. However, if the market price of the stock is higher than the conversion price, the price of the convertible bond will keep pace by staying at parity with the stock or, more likely, at a premium to parity.
Taking the example above, if the company's common stock rose to $50/share, what would the convertible bond's market price be at parity? Since the bond can be converted into 25 shares, 25 times $50 equals $1250. In other words, the bond that cost the investor par ($1000) to buy is now worth at least $1250 at parity with the stock. More often it will be selling at a premium to parity, because it still carries the unused conversion feature.
If the bondholder expects the company's common stock to rise significantly over time, the bondholder might take advantage of the potential future return on the stock by converting now rather than waiting to get just par ($1000) back on the bond at maturity. The value of the bond is no longer just par, it is at least the price of the common shares multiplied by the number of shares it can be converted into.
Forced Conversion
Convertible bonds are usually callable. This means the company that issued them may redeem them in advance of their maturity date, generally during times when interest rates are falling and its debt can be refinanced at a lower prevailing rate. This presents a convertible bond holder with a conundrum: should she allow her bonds to be called or should she convert the bonds into shares in the company?
This situation is often presented in the form of a Series 7 question as in Example 2 below.
Example 2
Sharon owns a convertible bond issued by XYZ corporation with a conversion price of $50. XYZ's common stock is currently selling for $57 per share. XYZ is calling the bond in at a premium to par of 110 ($1100). The bond market currently prices the bond at 112 ($1120). Sharon asks her registered representative, Aaron, what she should do. What should Aaron advise her?
a.) Allow the bond to be called.
b.) Convert the bond to shares of common stock.
c.) Sell the bond in the secondary market place.
d.) Hold the bond to maturity.Option "d" can be eliminated, because it's no longer a possibility. The bond is being called now by the corporation and will never reach maturity.
To determine which of the remaining answers will provide Sharon the highest return, first determine the conversion ratio, CR.
CR = $1000/CP = $1000/50 = 20 = number of shares per bond after conversionThe common shares are selling in the market at $57/share. If she converts, Sharon will get a value of 20 x $57 = $1140. This is higher than what she would get from the corporation if she allows her bond to be called ($1100). It is also higher than what she would receive by selling her bond outright in the secondary bond market ($1120). So the best answer to the question is "b": convert the bond into shares. Notice that the Series 7 exam will not take trade commissions into account when determining the right answer it is looking for.
Advantages and Disadvantages to the Company Issuing Convertible Bonds
Convertible bonds allow the company to issue debt (borrow money) at lower rates of interest than they would have to offer on nonconvertible debt. However, if all the convertible bonds are converted to stock, this will increase the number of outstanding shares and thereby decrease the company's earnings per share. The equity for all stockholders will be diluted (decreased.) This is the meaning of "fully diluted earnings per share," which you will often see on a company's income statement. It does not mean that all convertible bonds have been converted. It simply represents the effect on earnings per share (EPS) as if all the convertible bonds had been converted to common shares.
Effect of Stock Splits or Stock Dividends on Convertible Bonds
The conversion price and conversion ratio are guaranteed in the bond's indenture and are not changed unless there is a change in the underlying stock, such as a stock split or a stock dividend. The bond's convertibility feature can not be diluted or diminished by such events. Therefore if there is a 2 for 1 stock split by the company, doubling the number of common shares but cutting the price of those shares by half, there is no change to the overall value of those shares. Nor is there a change to the rights of the convertible bondholders. In this case, the conversion price (CP) is cut in half and the number of shares per bond (CR) doubles. A stock dividend will have a similar affect on the conversion feature by decreasing the CP and increasing CR by the percentage increase in number of outstanding shares represented by the stock dividend. Please see Example 3 below for a more detailed explanation.
Example 3
XYZ company declares a stock dividend of 1 share for every 5 owned to shareholders of record. This represents an increase of 20% to the number of shares outstanding after the record date. For every 5 shares the stockholder used to own, she now owns 6 shares. However, the price of each share will drop by the same amount, 20%, on the ex-dividend date. If the shares had been trading for $10/share before, they will now begin trading at $8/share at the opening on the ex-dividend date.
The convertible bondholder's interest is protected against dilution in such an event: his CP decreases by 20% and his CR increases by 20%. Let's say that the conversion price (CP) was originally $50. This would give the bondholder the right to convert the bond into 20 shares ($1000 divided by $50 equals 20 shares.) After the stock dividend takes effect, the CP would drop by 20% to $40 per share and the CR would increase by 20% to 25 shares per bond.
$50 x 20% = $50 x .20 = $10
$50 - $10 = $40
CR = $1000/$40 = 25 shares per convertible bondNotice that the total value of the conversion feature has not changed:
Before the stock dividend the convertibility feature's value is 20 x $10/share = $200.
After the stock dividend the convertibility feature is worth 25 x $8/share = $200.(Remember, this is just an example; obviously it would not be in the best interest of the convertible bond holder to convert his bond to shares when the market price of the shares is trading at such a low level.)


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Here are some pics of a Sipco Tool Chest. The drawr label is almost completely worn off.
Here are some pics of a Sipco Tool Chest. The drawr label is almost completely worn off.
Another Sipco Tool Chest. This one shows a little bit more of the drawer label.
It looks like the Sipco Tool Chests used metal drawer slides inside the chest. I haven't seen the metal slides used on other chests.
Does anyone know where I could purchase the metal drawer slide used in a Sipco tool chest? I have a Sipco that I would like to restore that is missing at least one of these slides.
Sure! How many would you like? Sent a private message...
Last edited by user459; 01-14-2017 at 10:07 AM. Reason: Add Photos
Terry Rushbrook, Melbourne, FL and Broad Brook, CT.
I guess I'm just getting old and crotchety, but it bugs me when someone asks a question and I take the time and effort to look for stuff, answer their question, and they never again respond! I guess it's understandable for someone with just one post under his belt, yet it is still discourteous.
Terry Rushbrook, Melbourne, FL and Broad Brook, CT.
I apologize for the delayed response. I did not have my account set up correctly to notify me about new messages or responses.
I still have the Sipco chest to restore. I am missing two rails. I have one broken drawer. I am also missing the front panel.
I'll post some pictures later when I get home.
Thanks for understanding.
I saved some of the rails from an old box I salvaged. I'm a refugee from Irma right now, displaced from my home in Florida and staying in Connecticut. I'll get with you when I get home. Feel fre to email me at firstname.lastname@example.com.
Terry Rushbrook, Melbourne, FL and Broad Brook, CT.
Thanks, Terry. I hope Irma did not do too much to your home. I'll send you an email.


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Track Cisco BGP peers using Nagios
Few will deny that monitoring of Cisco devices is essential part of sysadmin's job. I personally use Nagios to track states of BGP neighbors on Cisco routers so if one of peers goes down I'll receive a phone call from Nagios. You may have redundant network topology but it still makes sense to know when peer goes offline, how often it happens and how fast failover router (if any) pick-ups […]Read more →


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Campus Services
Campus Services encompasses a variety of services including Mail Services, Print Services and Procurement Services.
Campus Services is a multi functional unit of service providers dedicated to exceed customer expectations through responsible, responsive, accurate and cost effective Mail, Print and Procurement services that meet the needs of the students, faculty and staff.
ContactsPurchasing Office Director
Tiffany Wells
(717) 361-1575
Purchasing Office
Melissa Gruber
(717) 361-1186
Accounts Payable Office
(717) 361-1214


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Message Board
Sandor Marai Message Board
Talk about the novels, new and used books that Marai has written!
Author Marai's Book Reviews
On a late summer afternoon in 1940, Henrik and Konrad, two old friends in their 70s who have not seen each other in 41 years, meet at Henrik's estate in rural Hungary. They had met at a military academy at age 10 and became the closest of friends. On a fateful day in July 1899, Konrad nearly shot Henrik, and the next day fled the country. Henrik realized that his friend had been having an affair with Henrik's wife Krisztina, and the aggrieved husband pro...


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This guide refers to snakes that have venom-secreting glands and fangs and whose bite can inflict poisoned wounds. The venom kills the snake's prey and may cause death or serious injury in humans. A bite from one of these snakes should receive immediate medical attention.
'Harmless' in this guide is used to describe snakes that either do not produce venom (they are not poisonous) or that produce a venom so weak that it is no threat to humans. 'Harmless' does not mean the snake will not bite. Snakes do not have feet with claws that they can scratch you with, but they do have needle-sharp teeth and, if threatened, most will readily bite.
The saliva of some snakes slows coagulation so lacerations from their teeth may weep more blood than you might expect. If you are bitten by a harmless snake, you may wish to wash the saliva off and treat the wound with a antiseptic or antibiotic just the way you would the bite of any other animal.


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Posted by Mary Caraccioli | Filed under
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Mary Caraccioli, MLA, MBA is the Money Confidante. An Emmy™ Award winning financial journalist, she has worked at CNBC, FOX, Comcast and ABC's LiveWell TV where she has created numerous award winning programs. Mary also helped to create the Lou Dobbs syndicated radio report. She was an early adaptor of digital media and creator of well respected money websites.
Mary has access to the top financial thought leaders and brings that information home to everyday people who are looking to make better money decisions in their lives. Let the Money Confidante help you and your family too!    Learn more...
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Saxophonist Clarence Clemons of Bruce Springsteen's E Street Band died Saturday in a hospital in Palm Beach, Fla. He was 69.
The cause was complications from a stroke he suffered June 12, according to a spokeswoman for Springsteen.
The tenor saxophone of the "Big Man" of the E Street Band was one of the defining elements of the band's sound. And Clemons said it was more than a musical instrument. He called his sax "a vehicle to move my spirit around," New Jersey's Star-Ledger reports.
"I don't think it's only my saxophone," Clemons told All Access Magazine in 2008, according to the Star-Ledger. "It's who I am."
Springsteen said in a statement on his website Saturday night that the loss of Clemons was "immeasurable."
"He was my great friend, my partner, and with Clarence at my side, my band and I were able to tell a story far deeper than those simply contained in our music," Springsteen's statement said. "His life, his memory, and his love will live on in that story and in our band."
Springsteen often spoke of Clemons in mythical terms, the Star-Ledger reports. The first time they met, a lightning storm raged in Asbury Park, N.J., Springsteen says. The Big Man tore the door off a club, strode onstage uninvited and played. The story is captured on the album "Born to Run" in the song "Tenth Avenue Freeze-Out," on the cover of which Clemons appears with The Boss.
"I swear I will never forget that moment," Clemons later recalled in an interview, according to The New York Times. "I felt like I was supposed to be there. It was a magical moment. He looked at me, and I looked at him, and we fell in love. And that's still there."
U.S. & World
The Stone Pony, the music venue in Asbury Park synonymous with Springsteen and the E Street Band's early years, will be open at noon Sunday for the fans of the Big Man.
Clarence Anicholas Clemons was born on Jan. 11, 1942, in Norfolk, Va., according to The Times. He received an alto saxophone at age 9 as a Christmas gift and later switched to the tenor. He attended Maryland State College (now the University of Maryland Eastern Shore), played football in college and worked as a youth counselor in Newark, N.J.
He began to mix with the Jersey Shore music scene in the late 1960s and early '70s, long before "Jersey Shore" stood for something else.
Clemons married five times and divorced four, The Times reports. He is survived by his fifth wife, Victoria, and four sons: Clarence Jr., Charles, Christopher and Jarod.
Over the years, Clemons became a celebrity in his own right, The Times reports. He jammed with President Bill Clinton at the 1993 inaugural ball and appeared in the Martin Scorsese film "New York, New York."
More recently, Clemons collaborated with Lady Gaga on her "Born This Way" album, playing sax on "Hair" and "The Edge of Glory," Billboard.com reports. He appeared with the wacky star on the May 25 "American Idol" season finale.
Clemons last played with Springsteen in December 2010. He was scheduled to perform the national anthem at Game Two of the NBA finals last week. Clemons had to cancel due to a hand injury and watch from the stands, Billboard reported.
Selected Reading: The Star-Ledger (New Jersey), The New York Times, Billboard, The Associated Press


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Epplyngham Surname Ancestry Results
Our indexes 1000-1999 include entries for the spelling 'epplyngham'. In the period you have requested, we have the following 1 record (displaying 1 to 1):
Try these...
eppewelle eppeworth eppey eppilby epping epping' eppinge eppinger eppings eppingstone eppins eppkeford eppleford eppleston epplestone epplindena epplingden epplitt epply epplyngden eppner eppock epps eppstein eppus eppworth eppy eppyng eppynge eppyngge eppynt-phillips epr' eprile eps epse epselot epsin epsley epsom epson
These sample scans are from the original record. You will get scans of the full pages or articles where the surname you searched for has been found.
Your web browser may prevent the sample windows from opening; in this case please change your browser settings to allow pop-up windows from this site.
Research your ancestry, family history, genealogy and one-name study by direct access to original records and archives indexed by surname.


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Isla Espiritu Santo is an island in the Gulf of California protected under UNESCO as a bio-sphere. It is located in Baja California Sur, Mexico. It is connected to Isla Partida by a slender isthmus. Both islands are uninhabited. They both are a part of the municipality of La Paz, which is just a short boat ride away.
(Photo Via: Wikicommons)


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Media Enquiries
on 0452 507 662 or by email at email@example.com
Q : When and where is WSSBE 2019?
Details for WSSBE 2019 are coming soon. Sign up for our newsletter to receive the latest details.
Q : Can I just attend the expo and not the speaker sessions?
If you want to attend just the expo we have an Expo Only ticket which provides access to the expo for $19 (plus booking fees).
Q : What are my transport/parking options for getting to and from the event?
Rosehill Gardens is situated approximately 10 minutes from the Parramatta CBD with free parking is available at the venue. Rosehill train station is located on the T6 Carlingford line. For the latest public transport information please visit transportnsw.info. For more information on getting to Rosehill Gardens, please click here.
Q: What if I can no longer attend WSSBE?
All WSSBE tickets are non-refundable. The organisers reserve the right to cancel or change the event date, time, line up and venue as required. Alternative dates and times may be issued to ticket holders at the discretion and decision of the organisers.
Q: How can I become a presenter/sponsor/exhibitor?
For more details on presenting, sponsorship or exhibition opportunities in 2019, please contact our team on email@example.com
Q: How can I contact the organiser with any questions?
If you have any questions about the expo, you can email us anytime at email@example.com or call us on 02 9891 4107 on Mondays to Fridays between 9am and 5pm.
Q: I'm with the media, who should I contact?
If you would like to cover WSSBE in a media capacity, please contact our PR team, Freedom Agency on 0452 507 662 or email our PR representative Alexandra de Jong at email@example.com.


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Quality is key in the strategy of Provimi.
The client of the endproduct expects high quality products, which meets all the requirements.
After all it is the beginning of the food chain. Since 1992 Provimi has the GMP certificate.
Since the beginning of 1996 Provimi also has the HACCP certificate (GMP+). These certificates guarantee quality assurance in formulation, feed-development and production process control. Provimi demonstrates its ability to consistently provide products that meet customer requirements. In 2003 Provimi received the German QS and A-futter Certificates. The laboratory has a GMP B10 certificated. The laboratory is also accredited by the Dutch Board of Accreditation using ISO / IEC 17025:2005 guidelines for the scope as mentioned on www.rva.nl, registration nr. L487


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What is Salt-Free Water Conditioning?
Salt-free water conditioning can be a great alternative to traditional water softening. Because it also offers a long li...Read More
We look forward to hearing from you!
We're sorry, but your submission could not be processed at this time.
Please call your Culligan dealer at for assistance.
Alma, MI 48801-0723USA
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We're sorry, but your request could not be processed. Please contact your local dealer at for assistance.


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Back in May, HTC announced the mid-range Desire 600 smartphone. This device packs a 4.5 inch qHD display along with a 1.2 GHz quad-core processor. Today, HTC officially launched this smartphone in India. The HTC Desire 600 is being shipped with the old Android 4.1 (Jelly Bean) Operating System. It is the company's first mid-range handset to offer the latest Sense 5 UI along with HTC BlinkFeed and HTC BoomSound.
Faisal Siddiqui, Country Head, HTC India, said,
"The HTC Desire 600 Dual SIM combines speed and easy multitasking with the truly innovative HTC BlinkFeed home screen. The result is an affordable mid-range phone that sets the standard for its class, keeping the busiest user up-to-date at a glance and offering them the power and range of features to switch between work and play."
HTC Desire 600 features a 4.5 inch qHD display, sporting a resolution of 540 x 960 pixels, 1.2 GHz Qualcomm MSM8625Q Snapdragon 200 quad-core processor, Android 4.1.2 (Jelly Bean) OS, HTC Sense 5 UI, 8 megapixel auto-focus camera with LED flash, full HD (1080p) video recording and playback, 1.6 megapixel front-facing camera and much more.
Other features include a 3.5 mm headset jack, Beats Audio, Bluetooth 4.0, 1 GB RAM, 8 GB internal memory, MicroSD card slot, 32 GB internal memory, 25 GB DropBox cloud storage, Wi-Fi 802.11 b/g/n, 3G Connectivity, NFC (Near Field Communication), A-GPS, up to 11 hrs of talk-time, up to 539 hrs of stand-by time and a 1860 mAh battery.
HTC Desire 600 comes with a price-tag of Rs.26,990 (approx. $460) in India. To get this handset, head over to this page.


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Producing reliable power from 13.0 to 22.0 kVA at 50 Hz, our C2.2 diesel generator sets designed to ISO 8528-5 transient response requirement.s All C2.2 generator sets are R96/EUIIIa equivalent emissions compliant.
Cat Dealers provide extensive post sale support including maintenance and repair agreements. Cat dealers have over 1,800 dealer branch stores operating in 200 countries. The Cat® SOSSM program cost effectively detects internal engine component condition, even the presence of unwanted fluids and combustion by-products.
Air Inlet System
Control Panel
Cooling System
Exhaust System
Fuel System
Generators and Generator Attachments
Governing System
Lube System
Mounting System
Starting / Charging System
Alternator Options
Circuit Breakers
Control Panel Options
Cooling System
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Mounting Options
Special Test and Inspection
View the latest company and product news, events and customer stories.Learn More
View the latest offers available on a range of Cat® equipment and genuine parts.Learn More
Connect with us to learn more about our company, products, services and customers.Learn More
With branches across the UK & Ireland, you can be sure that we're never far away.Learn More
Effectively manage your equipment to reduce operating costs and improve efficiency.Learn More
Integrated technology can help you understand your equipment's output and help extend its lifespan.Learn More
Quick and easy financing with customised payment plans through Cat Financial.Learn More


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USAC Silver Crown point leader Kody Swanson of Kingsburg, Calif. hopes to replace the record he already owns for the fastest qualifying run in "traditional" Silver Crown history when the series visits Gateway Motorsports Park in Madison, Ill. June 14.
Discounting the records established by the pavement-specialty cars which competed during the years 2006-2007, Swanson's record of 146.212 mph at Iowa Speedway in 2012 still stands. Last year Chris Windom won the pole at Gateway with a scintillating lap of 144.778.
Swanson has won two of this year's Silver Crown races (Terre Haute and Indianapolis), while his brother Tanner won at Lucas Oil Raceway in Indianapolis in May, giving the Swanson family a clean sweep of the three races contested so far.
Kody finished second to race winner Bobby Santos in last year's 100-mile Gateway race, his first attempt at the 1.25-mile paved oval.
Tracy Hines and Brian Tyler are the only two drivers to have competed in all six previous USAC Silver Crown races at Gateway, dating back to 1997. Hines, who ranks second to Swanson in the 2014 standings, has a win and two seconds, while Tyler, who is still seeking a series ride for 2014, had a fourth and fifth in the most recent races.
The race continues a great tradition of USAC racing in the St. Louis area with Silver Crown regular Christopher Bell of Norman, Okla. winning a USAC Midget race in May at Belle Clair Speedway in Belleville, Ill.
Tickets are on sale for the June 14 doubleheader, featuring the USAC Silver Crown cars and the Drivin' for Linemen 200 NASCAR Camping World Truck Series race, by calling the Gateway ticket office at (618) 215-8888, ext. 101.


text: I don't know how many of you are aware of this, but CodeChef - Online Programming Competition organizes an algorithm intensive programming competition extending over about 10-15 days every month. The next competition is coming up on the 1st of July and will go on till the 13th. As of now, only Indian and US citizens are eligible for prizes, but people from other countries are welcome to participate too Currently they are using SPOJ's(Sphere Online Judge (SPOJ)) systems as the judge. The quality of problems is pretty nice as well. They have about $3000 worth of prizes going out this time round. Hope to see you all there


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Who we are and what we doRead more about us »
Based in Ontario, IDenticard Canada is proud to be a leading provider of products and solutions that help identify and secure people and premises. We work hard to offer innovative products and reliable service to all of our customers, from local organizations to Fortune 500 companies. Our areas of expertise include ID badging programs and identification solutions, ID card accessories, Visitor Management systems and access control systems. We're proud to be a division of Brady Corp, a billion-dollar manufacturer and marketer of ID and safety products. We manufacture the majority of our goods in our own factories, offering you quality products, straight from the source. With local sales and support in both Canada and the United States, you'll always have a member of our team available for help and guidance.
Featured in the StoreShop now »
IDenticard NewsRead all News »
- 24 Sep 2018 Announcing PDC® IDenticard »
- 15 May 2018 IDenticard® releases PremiSys™ v3.2, featuring Remote Undogging and Monitoring Options »
- 19 Apr 2018 The innovative SlimReel™ System is now available! »
- 06 Feb 2018 Introducing Resident Manager™, new with version 3.1 of PremiSys™ »
- 06 Dec 2017 IDenticard Access Control announces "Partner of the Year" award recipients »
- 07 Aug 2017 IDenticard releases version 3.0 of its innovative PremiSys software »


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It's Time To Get 'em In The Water!
This is not an offer for credit and should be used for estimation purposes only based on the information you provided. You should not base your decision on this estimate alone. Title, registration, tax and other fees, and personal circumstances such as employment status and personal credit history, were not considered in the calculations.
Ready to fish, entertain or cruise, the Fundeck series is a classic pontoon with a sporty edge. A large deck, wide-body hull, and quick performance make this a well-designed and versatile model the whole family will love.


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Budgeting for baby
Use this guide to plan your finances before your new baby arrives.
Worried your baby is going to break the bank?
Sleepless nights, nappies and teething are a daunting enough prospect when you've got a baby on the way, so it doesn't help to have to worry about your finances too. The cost of the ever-increasing number of necessary baby items can seem astronomical, and chances are your income will be dropping from two salaries to one, at least for a while – but if you plan well, you can keep your budget in check.
How to get your finances on trackWork out where your money goes by keeping a log for a month, write down each expense and what it's for.
Divide expenses into:
- Fixed expenses such as insurance, home loan or rent payments,
- Other essential costs that vary from month to month such as petrol, phone bill or grocery expenses, and
- Variable expenses, such as your weekly movie date or dining out.
Once you know where your money goes, you can look at each cost and see if you could make a saving.
Credit card
As you prepare for your baby, use the time to pay off your credit card, but first make sure you have the right card for your needs. You can make big savings by switching to a card with a lower interest rate.
Home loans
Repayment holidays
Many home loans offer you the chance to make lower or no repayments for six or 12 months while you're on parental leave – ask your lender if you have this option.
Conditions usually apply: you may have to make repayments of at least 50% of your salary, have a job to return to after your parental leave and have already held your home loan for a period such as 12 months and repaid part of it (for example you may not be able to owe more than 90% of the value of your home).
Interest is still added to the loan during this period. It makes sense to repay your home loan as quickly as possible, as the quicker you repay it the less you pay in interest.
Fixed rates
If you're pregnant, it may also be a good time to think about fixing the interest rate for all or part of your home loan – a fixed rate gives you security and allows you to budget.
You may end up paying a higher rate than variable rate borrowers, especially if you lock in rates when they're at their peak.
Start saving
Direct your savings into a fund for baby costs that you can draw on for all your extra expenses. If you have a mortgage with a redraw facility, consider using it to store some funds.
Otherwise, use a high-interest online savings account. You could even practice living on one salary while you still have two, and pay the second one into your savings.
Education savings
Saving to pay for your baby's education is similar to any other long-term savings goal. It can be as simple as putting a few dollars a week into a high-interest savings account or as complex as developing a portfolio of shares.
Your long-term saving options
- Investing in a high-interest savings account, shares or managed fund is one option for saving for your child's education. Generally, it's not the most tax-effective strategy, but may offer flexibility and investment choice.
- Education-specific managed investments are tax effective. Carefully read each company's product disclosure statement before investing and check if they're flexible enough for your needs. For example, what happens if your child decides not to take up tertiary studies? Can you get the money out?
- Paying back the mortgage to 'save' for your children's education can be an excellent strategy – it's tax-effective and available to pretty much all home owners, but you need to be very disciplined, stick to your savings plan and make sure you don't use the money for other things.
Paid Parental Leave
The Paid Parental Leave (PPL) scheme is an entitlement for working parents of children born or adopted from 1 January 2011. Parents get up to 18 weeks of government-funded PPL at the rate of the National Minimum Wage ($622.10 a week before tax at 1 July 2013).
In contrast to the Baby Bonus, which is tax-free, PPL is considered taxable income and has bearing on Family Assistance and Social Security payments.
To be eligible for PPL you can't be working during the time it is paid and must have had a personal income of no more than $150,000 in the financial year before your baby is born. You must also have worked for at least 10 of the 13 months prior to the birth or adoption of your child, and worked for at least 330 hours in that 10-month period (just over one day a week) with no more than an eight-week gap between two consecutive working days.
Baby Bonus & Family Tax Benefit
If you're not eligible for PPL, you can receive the Baby Bonus, which is paid to families after the birth or adoption of a baby before 1 March 2013.
Since 1 March 2014, the baby bonus has been replaced with an increase of Family Tax Benefit Part A (FTB Part A) payments by $2000, to be paid in the year following the birth or adoption of a first child or each child in multiple births, and $1000 for second or subsequent children.
The additional FTB Part A will be paid as an initial payment of $500, with the remainder to be paid in seven fortnightly installments.
The Coalition's Paid Parental Leave policy
Under an election promise by Prime Minister Tony Abbott, mothers could receive their normal salary (up to $50,000 – that is, half of their annual salary as long as it is $100,000 per annum or lower) for 26 weeks, plus super. There is currently no confirmed start date for the scheme – it is yet to pass both Houses of Parliament, and whether the scheme will come into effect by its proposed start date of 1 July 2015 is currently in doubt.
Health insurance
One of the first things you should do when you're planning a family is review your health insurance; it's actually best to do this before you're pregnant, as waiting times of 9 to 12 months apply before you would be covered for a full-term birth.
If you already have private hospital insurance:
- Talk to your fund and find out your level of cover for obstetrics. Can you go to a private hospital? Can you go to a public hospital as a private patient?
- Review your excess and co-payments and consider upgrading to a policy without an excess. However, keep in mind the 12-month waiting period for pre-existing conditions that applies if you upgrade to a higher level of cover, even if you stay with the same fund.
- Check with your fund how soon you need to upgrade to family cover (couple and family cover is usually the same price so it won't cost you more) to make sure that your baby is covered.
If you receive treatment as a private patient, your private hospital insurance will not always cover the full cost. You may be charged a gap: the difference between the hospital and/or doctor's bill after you receive your Medicare and health fund benefits.
How to minimise gap costs
- Ask your doctor if he/she has gap cover arrangements with your fund and if you will have to pay any out-of-pocket costs. Get this information in writing.
- Ask your doctor if you will be billed by other doctors who may treat you, such as an anaesthetist or surgeon's assistant, and how you can get an estimate of their fees.
- Ask the hospital if it has a current agreement with your fund and if there will be any out-of-pocket costs.
- Confirm any information you get from the hospital and doctor with your fund.
Life insurance
Life insurance covers your dependents if you die. As a rule of thumb, the sum insured should be 10 times your salary. However, you may need more depending on your individual circumstances – consider how much you owe, how many children you have, and their ages.
You'll also need cover if you have a loan such as a home or personal loan. Whenever your family situation changes, you should review your life insurance.
Income protection
Income protection insurance pays up to 75% of your salary if you cannot work because of illness. Premiums vary depending on your risk factors, the waiting period until the benefit kicks in and the duration of cover.
For example, an income protection insurance policy with a 30-day waiting period for a 30-year-old male (non-smoker) office worker with a benefit of $6259 per month (75% of a $100,000 salary) for a period of two years could cost on average about $275 per year (with your industry super fund) or $465 per year (as a standalone policy through your financial adviser). Premiums for income protection insurance are tax deductible.
Trauma insurance
If you're not employed because you're looking after your kids, you usually can't take out income protection insurance. Consider trauma insurance instead, which pays a lump sum in case you suffer one of a number of conditions, such as cancer, stroke or heart disease.
Disability insurance
Total and permanent disability insurance pays a lump sum if you become permanently disabled because of an accident or an illness such as a stroke. You can be insured against either not being able to do your specific type of work, or any work generally.
Shopping for baby
Over the first four years of your baby's life, you could spend more than $20,000 on baby purchases, with the bulk of the cost in the first 12 months.
Average spent per year for the first four years:
- Furniture – $539
- Clothing – $1,564
- Nappies – $1,381
- Footwear – $35
- Nutrition and food – $863
- Toys – $378
- Other – $534
- Total – $5,393
Shopping tips
- Wait and see what you need. It's wise to buy a few essentials and then spend carefully as the need arises.
- Make a wish list for friends and relatives. Try to think ahead so you will know what to suggest when someone asks what to give you for a present.
- Avoid buying expensive things your baby will soon outgrow, such as size 0000 clothes or a pricey bassinet.
- Don't underestimate the value of easy-care items – ideally, you want to be able to just throw clothes, blankets and so on in the washing machine and perhaps the dryer.
- Think about renting or borrowing some items – for example, many libraries offer toys and children's books, and some councils and community organisations provide baby car capsules for hire.
- Shop around. Your phone and the internet are convenient for comparison shopping, as long as you know the brand and model names of the products you're looking for. Department stores have regular sales, so with a bit of planning you can take advantage of them to save money.
- You can save a lot of money on second-hand items such as children's clothes and toys which might have had very little wear. There are some products you shouldn't buy second-hand , like car restraints, which you can't be sure haven't already been in an accident. With other products such as cots, make sure they meet current safety standards – even some brand new cots don't meet the safety standards, as we found when we tested them.
Latest Babies and kids
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Join the conversation
To share your thoughts or ask a question, visit the CHOICE Community forum.


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THE SPORTS DOCTOR- No laughing matter: Groh chuckles while UVA burns
Miserly Groh held his blitzes... until North Carolina.
I don't want to be the one to shoo the bluebird of happiness off anyone's shoulder, but what's that old saying? Even a stopped clock is right twice a day.
The Sword of Damocles that has been brushing the forehead of several coaches lifted a smidgen this past weekend, but only one coach understands the sword is still hanging. While Jim Zorn realizes the Associated Press was right in calling the Redskins' win "ugly" and "sluggish," there are other coaches who seem– how can I put this?– a touch deluded.
As reported in the October 5 Richmond Times-Dispatch, when interviewed about last Saturday's win, Al Groh chuckled. Chuckled. With a quarter of the season behind him and only one win under his belt, Groh was all gaiety and mirth this week, happily yucking it up with reporters.
"'I guess you could call it Octoberfest,' he said [Sunday] night with a chuckle.'" Ho ho ho. Did he also lay his finger aside of his nose?
If Nero fiddled while Rome burned, what's wrong with Al Groh giggling and guffawing his way through another season, as miserable or mediocre as it may be? We all have our way of coping with trouble: some ignore it, some worry, some mope, some laugh– and some grasp at straws.
After humiliation (William and Mary), struggle (TCU), and frustration (Southern Miss), Groh has the right to wring every drop of happiness out of the win over UNC, doesn't he?
Yes and no. Virginia's defense was vastly improved, keeping the Tar Heels from both the red zone and the end zone. They were so improved it was difficult to reconcile the defense that held North Carolina to a single field goal with the defense that allowed 93 points in the previous three games.
Perhaps in his secondary role as defensive coordinator, Groh doesn't realize it's unnecessary to hoard blitzes for three weeks and then unleash them all in one game. Relax, Silas Marner– there are enough blitzes to last throughout the entire season– go ahead and use them, they aren't finite in number.
So much for the yes. The no comes in on offense. As futile as Virginia's defense was against UNC, the offense was able to scrape together only two more points than in the game against #16 (at the time) TCU, and not even half the number they scored against Southern Miss.
One would think that scoring a mere 16 points against a team that looked totally at sea wouldn't be worth a chortle, but in Groh's world, a win is cause for hilarity, no matter how sloppy.
To be fair, there's more than one deluded coach in the NCAA. Was anyone really surprised to hear Charlie Weis complain that unranked Notre Dame isn't getting any love in the polls?
"If you look at some of the other teams that are playing and look at how their games have gone, tell me where the difference is," Weis said Sunday, October 4.
"We've had one loss by four points on the road with 11 seconds to go in the game... if you compare apples to apples, I think we deserve to be there right with everybody else."
Talk about delusion. Groh may fiddle while UVA burns, but Weis doesn't even know there's a fire. He may share a 4-1 record with #7 USC, #5 Virginia Tech, and #9 Ohio State, but considering the Irish haven't yet played a ranked team and still managed to lose one game and win another in overtime, one can conclude that Weis' protestations are the ravings of a madman. That or Weis knows even less about football than everyone thought.
What astounds me is that two men with a combined 27 years NFL experience could be so flummoxed by the sport that has long paid their bills. Compared to Groh and Weis, Jim Zorn is a mere babe, and as inept as he may be as a coach, he'd still rather tell the truth than celebrate an ugly win or complain about being underappreciated.
"I'm just going to keep pushing," Zorn said of Washington's less-than-gorgeous win over Tampa Bay October 5. "I'm not going to be happy with that, and we're going to keep pushing."
Juanita Giles lives in Keysville where she makes videos and updates her Sports Doctor site.


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Iridium 9602 SBD Transceiver$318.18 USD
Iridium 9602 SBD Transceiver
The SBD Transceiver combines the global coverage of the Iridium satellite constellation with the low latency of the Iridium Short Burst Data Service (SBD) in a small, low-cost transceiver design. It is designed as an OEM module for integration into applications that only use the Iridium SBD Service. SBD applications are supported through an RS232 interface. The Iridium 9602 is ideal for Machine to Machine, (M2M) solutions, including tracking of maritime vessels and equipment monitoring.
Iridium 9603 SBD TransceiverDesde: $340.90 USD
Iridium 9603 SBD Transceiver
Tech Specs
Pole-to-pole global coverage
Single-board transceiver
Very small form factor offers unmatched flexibility
Single header connector for:
On/off control
Logical level asynchronous UART control
Network availability
Simple AT command interface
No SIM card
Designed to be incorporated into an OEM solution
Automatic notification to the transceiver that a mobile-terminated message is queued at the gateway


text: Connexus® Education Management System Connexus is one of the most comprehensive and reliable online learning management systems available. It is designed to meet the exact requirements of the Connections Academy instructional model and the needs of our students and families. This intuitive and user-friendly learning platform connects students with their lessons, teachers, and a wide range of educational resources. And it is accessible 24 hours a day, from any Internet connection. Tools for Students From the personalized Connexus home page, students can: View daily and monthly schedules Access lessons Monitor progress through the online grade book Communicate with teachers and students through WebMail and Message Boards Access many online learning resources Participate in clubs and activities View a directory of students Tools for Parents and Learning Coaches From the personalized Connexus home page, parents can: View students' schedules, assignments, and lessons Monitor students' progress using the online grade book Communicate with teachers and other families via our secure WebMail and Message Boards Rate the learning experience at any time Tools for Teachers and Administrators Connexus is used extensively by teachers and administrators. Some of the many tools for online learning allow teachers to: Conduct lessons live over the Internet with LiveLesson® sessions Track student progress Review and grade online assignments and assessments Communicate quickly and effectively with students, parents, and Learning Coaches Keep track of student and family interactions Modify learning to meet students' needs Because much of the learning and record keeping is done online through Connexus, school administrators can monitor the effectiveness of instruction and ensure that students are making progress every day.


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Cth Manual Antenna Tuner Unit .. untuk hf --- persediaan ke hf set
For years I've thrown together simple antenna tuners to get me on the air when needed. Whenever I would go to a sidewalk sale or hamfest I would pick up any components that might someday come in handy to make an antenna tuner. Commercial antenna tuners are very expensive and often of questionable quality. They are so very simple to make that I find it hard to justify purchasing a store bought unit. I realize that good antenna tuner components can be quite expensive when purchased new if you are even lucky enough to find a supplier. If you are not in a hurry all of the necessary components can be found used for very reasonable prices.
There is nothing special about the antenna tuner described on this page. It is a simple T-network and I have found that it can match any unbalanced antenna system I've ever put on it. I've always used PI-networks but component values can become unwieldy at the lower frequencies for such a network. Below are some more photos of my T-network.
The components were all found on the surplus market and even though it looks very old it's really only a few years old. The metal enclosure is probably 50 years old even though it had never been used when I purchased it at a sidewalk sale. The roller inductor is silver plated and incorporates a very good turns counter. It is WWII surplus and I had been saving it ever since I came across it as a kid. The two capacitors are 500 pF each and I removed them out of a defunct automatic antenna tuner that was once used at a shore station for ship to shore communications. I purchased all of the insulators from a local surplus outlet. Even the knobs and dial plates are ancient surplus. After all is said and done, I have about $10 invested in this tuner but to purchase one of similar quality the price would probably be about $300.
I don't have plans for you to follow in order to replicate this antenna tuner but as you can see via the schematic it is very simple. I would suggest obtaining the components first and then design everything around them. Use short, fat conductors if possible to interconnect the components. Ther required capacitor plate spacing is determined by the transmitter power and the impedances involved. For 100 W or less the plate spacing of most available air-variable capacitors is probably adequate. The capacitors that I used here have a maximum capacitance value of 500pF each but I probably could have gotten by with 250 pF units. For the inductor try for around 25 µH if you plan to use the tuner on 80 m and maybe 160 m. The larger the inductor's conductor, the better. If you can't find a roller inductor then a tapped inductor can easily be made assuming an adequate switch can be obtained. Of course for simple open-air designs, a wire and alligator clip will suffice.
If the power you plan on using is at QRP levels, say less then 5 W, then the components can be greatly reduced in size. The polyvaricons that are often found in less expensive AM radios can be used for the capacitors and a small tapped coil wound on a toroid will suffice for the inductor. It should be noted however, that the efficiency of this antenna tuner is inversely related to the losses in the inductor. Therefore, even though a small inductor will not burn up at QRP levels, a dB of loss is a dB of loss at any power. What I am getting at is that at some impedance ratios, the RF currents in the coil can become relatively high. In these cases the losses within the inductor can become high unless care is taken to keep the Q of the coil high. This can be done by making the inductor out of the largest conductor possible and by making sure any contact resistance, such as the alligator clip, is kept at a minimum. It should be noted however, that this contact resistance will usually swamp out the RF resistance of the conductor. In other words, if you are using an el cheapo alligator clip or tap switch, there isn't too much sense in going to a 00 AWG conductor ;-)
I only created this page to hopefully encourage others to try and build their own antenna tuners instead spending good ham radio budget on an expensive commercial tuner. I apologize for not having exact instructions but this is an easy project to do on your own with the components that you have available.
sumber / source : http://www.aa5tb.com/tuner.html
SIMPLEX REPEATER INTERFACE[SEDIA UNTUK DIJUAL] - Voice recode Simplex Repeater is the best way to solve your all program,it is has such good function: *NO LICENSE REQUIRE* 1.NO need two frequency to b...
10 years ago


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Email notifications allow you to receive an email when a page you are following is changed.
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To use email notifications, you need to add an e-mail address in your preferences, confirm that e-mail address, and enable the options you desire in your user preferences.
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That depends on which options you choose. Email notifications can be configured for both social/communication features and content monitoring.
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Email notifications about replies to a followed Discussions post will be sent once every 24 hours, or until the recipient visits the post.
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The ART of a wedding . . . in a gallery
Did you know that Santa Fe is the second largest art market to New York. A fun fact, yes? Well, one of my favorite things about designing weddings in Santa Fe is showing off that fact! The best way to do this is by hosting a wedding at one of our many, MANY art galleries! While not primarily designed to host events, they become a wonderful space to do so. Of course, there is an ART to this, which brings me to one of the toughest part about hosting a wedding at a gallery. (Pictured above, a bride in front of a Kent Monkman painting, photo Alicia Lucia Photography)
Often, when my clients book, they don't know what the exhibition will be during the wedding. Talk about a crapshoot! I had a client once that toured and booked the gallery for her wedding while a large format, black and white photography was on exhibition. When her wedding came around the exhibition was an hard-edged, LARGE sculpture exhibit. She ended up paying an extra 3K to have a fire engine-red sculpture, can lifted out of the middle of the room…because it did not go with her pale sherbet color scheme.
Many of my clients love hosting their wedding at the Peters Projects, a mainstay in the Santa Fe art community. They have a beautiful outdoor garden, often showcasing large-scale sculptures. The indoor gallery is an open, bright space with modern (sometimes provocative) art. Sarah and Oriol chose to host their June wedding, here and as you'll see, there are a few great reasons that it worked so well!
First, set the tone. The couple choose a very light and art-inspired invite suite. There were no competing motifs and the simplicity played well with the modern, open space of the gallery.
I adore this portrait of the bride sitting next to a Chuck Close painting as she awaits for the ceremony.
Work with the art, not against it. The ceremony took place in the garden where Duncan Chamberlain sculptures were placed in the grass. Instead of moving them to make room for the ceremony, we set the chairs around and let them be part of the space. I think it was fun for the guests to be in the mix with the sculptures.
The indoor exhibition was a collection of Duncan Chamberlain sculptures which were all brushed and polished stainless steel. So ultimately there wasn't much color. Sarah of Viva Flora brought in the color with the floral arrangements. They punched brightly and beautifully in the white canvas of the room.
We continued the thread of simple, art-inspired print with a very clean escort card display.
Clean white linens allowed the floral to shine, rather than to compete with it, like dabs of paint on a fresh palette.
The tables were set around the sculptures, giving the guests a very interactive experience. The Peters Projects is also very accommodating when it comes to moving things around. Luckily the large pieces were on rolling bases, so we were able to shimmy according to our floor plan.
I have to say, we were extremely lucky with this exhibit. It was easy to move around, subtle in color and there was even a "happy couple" sculpture at the entrance to the space, perfect for a photo opportunity!
Photos~ Alicia Lucia Photography | Venue~ Peters Projects | Florist~ Viva Flora | Invite~ Paperless Post


text: Lisa Donovan of Kiss 108's "Matty in the Morning" was at Salon Mario Russo Sunday for the 4th Annual Rosie's Place Renew You event. Almost 80 women got haircuts and blowouts for $60, with proceeds going to Rosie's Place. Customers included Lorraine Saad. . . . "Girls" star and Golden Globe winner Lena Dunham and her mother, artist Laurie Simmons, will be at the Museum of Fine Arts Wednesday as part of the Ruth and Carl J. Shapiro Celebrity Lectures series. The event is sold out. . . . Boston's Mark Wahlberg brought his movie "Broken City" to Berlin over the weekend.


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Octomom Nadya Suleman stopped by Friday's Today show to... uh, who knows? She could barely get a word in above the din of eight toddlers freaking out and almost destroying the Today show set (and themselves). Ironically, the virtual inability to communicate makes this interview more telling than any subdued, one-on-one sit-down could be: You get a real sense of this family's inner chaos.
It's also pretty hilarious to watch Ann Curry scramble around like a preschool teacher on her first day on the job. For her part, Suleman is full of weirdness: She spends almost the entire interview on the floor, discusses her new-found career as a boxer and personal trainer, admits that her children are working off of two hours of sleep, says her method of potty-training is, "You just go," and that she's "moving past" the guilt of not giving her children enough attention. However, given the unruliness of the clan, they aren't as quick to overlook it.
Watch the bedlam below:


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The best toys for each age
2 to 3 years: the imagination in full swing
Your child is bursting with creativity and his imagination is in full swing! It's time to give him what he needs to make up stories and enable his dreams to take shape:
- Washable felt tip pens or paint and brushes.
- Modelling clay.
- Games to "play at grown-ups": tea set, shop, miniature kitchen, DIY set, etc.
- Miniature worlds for imagining a thousand and one stories: farm, dolls house, school, fire station, garage, etc.
- A baby doll or other doll.
- Fancy dress outfits of a pirate, princess, super hero, fairy, knight, doctor, etc.
- Story books to read together before going to sleep.


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The Obama administration announced Wednesday that it is delaying a central part of the Affordable Care Act, aka Obamacare: the requirement that medium and large companies offer their employees health insurance or face fines.
The move is a big change in the implementation of a law that's already raising lots of questions around the country. So we'll try to explain it in simple language.
What happened, exactly?
Under the ACA, firms with at least 51 employees must offer health insurance to their full-time workers. If they don't, and if even one of their employees turns to the new government-run health exchanges to purchase an individual policy, they get slapped with fines. These penalties would top out at about $2,000 to $3,000 per employee.
This was supposed to take effect in 2014, along with many other important parts of the sweeping legislation. But now it won't. Assistant Treasury Secretary for Tax Policy Mark Mazur put up a blog post late on July 2 announcing that the employer mandate will be postponed until 2015.
"We have heard concerns about the complexity of the [mandate] requirements and the need for more time to implement them effectively," Mr. Mazur wrote.
Why did this happen?
As Mazur said, the administration has "heard concerns." This is bureaucratese for "lots of businesses, including some who support the ACA, called us up and yelled about how the regulatory details in this area came out too slow, they don't know what to do, and maybe they'll just stop hiring people until we get our act together."
According to Mazur, the delay will allow the government time to simplify the stuff companies have to tell the feds about how they're complying with the law. It will also provide time for the companies themselves to make the necessary changes to their own policies and computers so everybody is on the same page, so to speak.
What Mazur didn't say was that the US will also now get a longer period in which to deal with several of the most difficult regulatory details here: who is a "full-time employee" for the purposes of the health law, and what constitutes a "51-employee firm" that's subject to the fines.
If you're an entrepreneur who owns a number of chain sandwich shops, for instance, is each shop a separate business? Or are they lumped together? The answer could make a big difference under this law.
How many people will be affected?
According to the authoritative Kaiser Health News, this delay will directly affect only a small number of Americans, in terms of restricting their access to health coverage. Upwards of 90 percent of US workers are employed by companies that already provide health-care plans. It is other big ACA provisions, notably the requirement that individuals get health coverage of some kind, and the US offer to pay for state expansions of Medicaid for the poor, that are supposed to add many more people to the ranks of the covered.
"Those measures are still in effect, although many states have opted not to expand Medicaid next year," write Jay Hancock and Julie Appleby of Kaiser Health News.
Why is the postponement important?
This is still a big deal, even though only a small slice of the population is affected. The first reason is that the ACA is a big, complicated, interconnected piece of legislative machinery. If you fiddle with the timing of one part, others start to get out of whack. That implies more changes down the road.
Consider the individual health exchanges. You are eligible to buy coverage from them, helped by federal subsidies if you qualify, if your employer does not offer insurance. That's still supposed to start in 2014. But are you eligible if your employer just has not yet made up its mind, and may offer policies in 2015?
Also, the move may blow a hole in the federal health budget. The US was counting on about $10 billion in employer-paid fines to help fund ACA in fiscal year 2015, according to Congressional Budget Office figures. Now it won't get that money, but it is still planning to start federal subsidies for lower-income Americans who buy policies through the exchanges, as noted above. So money will go out here while less is coming in.
Finally, the delay adds to the perception that the Obama administration has been slow to implement the ACA and provides political opponents further reason to argue against the law.
Many Republicans now argue that if this part needs to be delayed, why not put off the whole thing? Indeed, why not just, oh, scrap it. They've voted to do that in the GOP-controlled House, haven't they?
"In deciding to postpone the implementation of the employer mandate, the Obama administration has undermined its sole claim to greatness and delivered a blot to Democrats on the ballot in 2014," writes conservative Jennifer Rubin on her Right Turn blog at the Washington Post.


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I'm doing a .cpp file that contains linear algebra functions, but i'm having a problem when the results are printed. Always a little part is well done, at the beginning, and the rest is zero. Where do you think the problem is? The proves are done whit little vectors, so i can see their values. If i print the buildLog it's sais something like this:
Retrieving binary for 'anonymous_jit_identity', for gpu='sm_11', usage mode='
What is that? an error? Thanks!


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Staying with Us
Make Horsted Place your place for a restful stay
Feel like a guest of the house
All of our suites and bedrooms are individually named and decorated traditionally with an emphasis on comfort. Whether facing the gardens, the country estate or the South Downs, each room has great views and all suites have a separate seating area from which to enjoy them. We offer 24 hour room service should you fancy a cup of tea first thing in the morning, dinner in your private lounge area or a breakfast in bed!


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Kelis recently did an interview with The Guardian and she says her biggest disappointment is Nas…I really think she's a little too bitter, it's time to move on Kelis:
Check out her Q&A below:
What is your greatest fear?
Rodents. It's more than a rational fear, it's a phobia. I don't even want to see them on TV.
What is the trait you most deplore in yourself?
I don't have any patience.
What is the trait you most deplore in others?
Being judgmental.
What is your most treasured possession?
My little munchkin, Knight, who is 10 months old.
What has been your biggest disappointment?
My ex-husband.
What single thing would improve the quality of your life?
More God.
What do you consider your greatest achievement?
My baby.
Nas Can't Afford To House Kelis, Plans To Sell Home


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Hepatitis B is a disease of the liver caused by the hepatitis B virus. Hepatitis B may affect each person differently. It can be mild, without symptoms, or it may cause chronic hepatitis. Hepatitis B can cause chronic liver disease and liver failure in infants and young children. The hepatitis B virus is spread from person to person through blood and body fluids, such as blood, semen, vaginal secretions, or saliva (although it is not generally transmitted by kissing). Infants may also get the disease if they are born to a mother who has the virus. Infected children often spread the virus to other children if there is frequent contact (for example, household contact) or a child has many scrapes or cuts. People who are likely to be exposed to hepatitis B are:
Children born to mothers who have hepatitis B
Children who are born to mothers who have immigrated from a country where hepatitis B is widespread, such as southeast Asia and China
Children who live in long-term care facilities or who are disabled
Children who live in households where another member is infected with the virus
Children who have a blood clotting disorder, such as hemophilia and require blood products
Children who require dialysis for kidney failure
Adolescents or adults who participate in high-risk activities, such as IV drug use, multiple sexual partners, and/or unprotected sex
People can contract hepatitis B virus infection without knowing how they got it. About one-third of hepatitis B cases in the United States have an unknown source.
The younger the person, the greater the likelihood of staying infected with hepatitis B and having life-long liver problems, such as scarring of the liver and liver cancer.
A vaccine for hepatitis B exists and is widely used for routine childhood immunization. Children currently get the first vaccine between birth and two months. The second vaccine is given at one to four months and the third vaccine at six to 18 months. The vaccine is generally required for all children born on or after January 1, 1992, before they enter school. The vaccine is available for older children who may have not been immunized before 1992 and is recommended before age 11 or 12. Hepatitis B vaccine will prevent this disease. Three doses are needed for full and lasting immunity. Hepatitis B vaccine may be given at the same time as other vaccines:
Infants of mothers who have hepatitis should receive both hepatitis B immune globulin and the hepatitis B vaccine in the first 12 hours of birth.
Infants of hepatitis B-negative mothers can receive the first dose from birth to two months of age.
The second dose must be given at least one month after the first dose.
The third dose must be given at least two months after the second dose and at least four months after the first. The third dose should not be given to infants younger than six months of age.
Catch-up immunization may occur between seven to 18 years of age.
A vaccine, like any medication, is capable of causing serious problems, such as severe allergic reactions. The risk of hepatitis B vaccine causing serious harm, or death, is extremely small. People who have a life-threatening allergy to baker's yeast should not receive the hepatitis B vaccine.
Getting a hepatitis B vaccine is much safer than contracting hepatitis B disease. Most people who receive hepatitis B vaccine do not have any problems with it. Risks may include:
Soreness in the location where the shot was given, lasting a day or two
Serious allergic reaction (very rare)
Give your child an aspirin-free pain reliever, as directed by your child's health care provider.
Watch for signs of reaction, such as high fever, difficulty breathing, behavior change, fast heart rate, or dizziness. Report these or any other unusual signs immediately to your child's health care provider.
Vidant Health can connect you to health care professionals to help you understand your condition and guide you through the treatment process. Let's chat.


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"But we may be able to learn that early treatment of the initial acute [brain] injury may avoid this cascade from brain injury to CTE."
As a civilian contractor you will be denied early treatment by the insurance company. The liability for this further injury is with the Defense Base Act Insurance Company, CNA leading the way.
David Woods The Huffington Post September 20, 2012
WASHINGTON — Almost a quarter million American troops diagnosed with traumatic brain injury are at risk of developing a degenerative disease that causes bursts of anger and depression and can lead to memory loss, difficulty walking and speaking, paranoia and suicide, according to military researchers.
At present, medical officials cannot diagnose or prevent the disease, called Chronic Traumatic Encephalopathy, and there is no known treatment for it, said Army Col. Dallas Hack, director of the Army's Combat Casualty Care Research Program.
But researchers are hot on the trail of new procedures to detect and diagnose the disease, and there is hope that early detection of brain injury among troops exposed to blasts from improvised explosive devices in Afghanistan could prevent them from falling victim to CTE.
"We don't fully understand the incidence of CTE with the occurrence of traumatic brain injury," said Air Force Lt. Col. Randall McCafferty, chief of neurosurgery at the San Antonio Military Medical Center. "But we may be able to learn that early treatment of the initial acute [brain] injury may avoid this cascade from brain injury to CTE."