text:
Un Air De Samsara Perfume
By Guerlain for Women
Un Air De Samsara Perfume by Guerlain, Un air de samsara by the design house of guerlain was a limited edition fragrance introduced in 1999 . A lighter version of the timeless classic, un air de samsara possesses a blend of oriental spices with fresh un air of samsara. All products are original, authentic name brands. We do not sell knockoffs or imitations. ... Read More
- Y Tu Tambien
- Yardley Iris
- Yardley London
- Yardley London Soaps
- Yardley Peony
- Yellow Jeans
- Yendi
- Yendi De Capucci
- Yes We Can
- Yin
- Yin 2
- Yin Yang
- Ylang In Gold
- Yohji Essential
- Yohji Yamamoto
- You & I
- You & Me
- You Are Divine
- Young Sexy Lovely
- Youth Dew
- Youth Dew Amber Nude
- Ysatis
- Ysatis Iris
- Ysl
- Yujin Art
- Yujin Ecstacy
- Yujin Paradise
- Yujin Sensual
- Yujin Star
- Yujin Starnight
- Yves d'Orgeval
- Yves De Sistelle
- Yves dOrgeval
- Yves Rocher
- Yves Saint Laurent
- Yvresse
- Yvresse Legere
- YZY Perfume
This product has 3 Out of Stock items |
Customers Who Bought This Item Also Bought
About Guerlain
History and background of Guerlain. Entering the Guerlain universe means crossing the threshold into an exceptional world where respect for tradition and a feel for innovation weave the most beautiful creations. Guerlain has been in existence for nearly 170 years and for a company so firmly anchored in history, the challenge has always been to reconcile the richness of tradition with a sense of innovation Read more about Guerlain
More Guerlain fragrancesfor Women: Shalimar , Samsara , Champs Elysees , Insolence , Shalimar Parfum Initial , more
for Men: Vetiver Guerlain , Habit Rouge , Guerlain Homme , L'instant , Heritage , more
See all Guerlain products
Customer Comments
I had a perfect experience. Things couldn't have been done better.
M. Gerth (Streamwood, IL)
REVIEW SNAPSHOT®by PowerReviews
Best Uses
- Signature fragrance (3)
- Fragrance Type:
- Floral (3), Oriental/spicy (3)
Reviewed by 4 customers
Sort by
- Clean & Fresh
- Great Smell
- Long-Lasting
Best Uses
- Daily Use
- Signature Fragrance
Comments about Guerlain Un Air De Samsara Perfume:
This is a great summer/fall oriental perfume, a bit heavy in the start but then it becomes this lovely powdery scent that lasts all day long.
- Fragrance Type:
- Citrus/Fruity, Floral, Oriental/Spicy, Powdery
- Sensual
- Doesn't Hold
Best Uses
- Signature Fragrance
Comments about Guerlain Un Air De Samsara Perfume:
It's really great fragrance! Can be used as for the office as for walking at weekend.
- Fragrance Type:
- Citrus/Fruity, Floral, Fresh/Aquatic, Herbal, Oriental/Spicy, Powdery, Woody/Earthy
- Clean & Fresh
- Draws Compliments
- Great Smell
- Unique
Best Uses
- Daily Use
- Evening Use
- Signature Fragrance
Comments about Un Air De Samsara Perfume:
Love the company and thier products.
- Gift:
- Yes
- Fragrance Type:
- Floral, Oriental/Spicy
Comments about Guerlain Un Air De Samsara Perfume:
I haven't worn Samsara, but I really like this 'spin-off' fragrance. It's warm and spicy without overdoing things. Hints at banked fires...


text:
The National Weather Service has issued a winter weather advisory for Flagstaff and northern Arizona.
Meteorologists say 3 to 5 inches of snow above 6,500 feet are expected from the cold storm.
The weather advisory is in effect from 2 a.m. until noon Thursday.
Most locations above 6,500 feet should see steady snow by 5 a.m. that will start as rain. The heaviest snow is expected between 5 a.m. and 9 a.m. Thursday.
A winter weather advisory is issued when periods of falling snow will cause travel difficulties.
Authorities say motorists should prepare for slippery roads and limited visibility in the northern Arizona area.
Copyright 2013 Associated Press. All rights reserved.

subset: commoncrawl


text:
Events at Loews Madison Hotel - Washington, D.C.
American Society for Training & Development
ASTD (American Society for Training & Development) is the world''s largest association dedicated to workplace learning and performance professionals. The is mission of ASTD is through exceptional learning and performance, create a world that works better.
National League of Cities
Helping City Leaders Build Better Communities


text:
nest learning thermostat
Last January I took the plunge and bought TWO Nest Learning Thermostats
No regrets. They were super-easy to install and program. I can even adjust the temp from afar via the app for iTouch or iPad.
The best part is that, when I compare this year's gas bills with last year's, the bills are lower (despite a rate increase) and yet we experience a warmer house. How so? It is warm when we are in it. When we leave and forget to turn it down, Nest turns itself down. It has a little sensor that sees motion. If a couple of hours go by without motion, it goes off.
Once a month I get reports in my email about usage:
But if I am ever curious between reports it is easy to peek at the last ten days of use on my Nest Thermostat website.
My old Honeywell thermostat had four settings (Wake, Leave, Return, Sleep) and three days (Weekday, Saturday, Sunday). The Nests have unlimited settings and all seven days. Given that we live in our home full-time, this works so much better for us. I can change the programing from the thermostat, or from my computer. The computer interface makes arranging a rather complex pattern of off/on/off/on really easy. I have all the days set the same, but I could easily drag those temps over to change the time. Or add other changes.
The thermostat for the newer part of the house required a slightly different set-up. The helpful and easily accessed support team talked me through the diagnostic and when it was confirmed that I needed a professional they arranged for one (at their expense). He would have come that evening had I wanted it. I was very impressed.
Yes, the Nest Learning Thermostats are expensive to purchase, but they will pay for themselves in lower heat bills. As they do that, however, we have the benefit of a warmer home. It doesn't hurt that they are pretty too.


text:
Searching Tips
Subject Map
Select a subject
Arts & Music
Health & Phys Ed
History & Soc Studies
- U.S. History Topics
- U.S. Time Periods
- World Studies
Language Arts
Subject map
Algebra (21)
Data Analysis (25)
Geometry (15)
Measurement (16)
Number & Operations (15)
Other Math (51)
What's New
Data Analysis
25 Resources
Math Forum
provides high-quality math education content. The site features a problem of the week for students in grades 3-12, collections of math resources grouped by subject and grade level... (
Drexel University, supported by National Science Foundation
Helping Your Child Learn Math
features dozens of fun activities parents can use to help children (K-5th grade) have fun learning geometry, algebra, measurement, statistics, probability and other important... (
Department of Education
Figure This!
offers interactive math problems families can use to help children understand estimation, volume, and other important mathematical concepts... (
Multiple Agencies
Create a Graph
helps students create their own graphs and charts. This online tool can be used to make five kinds of charts and graphs: bar graphs, line graphs, area graphs, pie charts, and XY... (
Department of Education
offers hundreds of online tools, lesson plans, and learning activities for teaching and learning math—currently for grades 2 and 7 and precalculus. Tools are offered for studying... (
MathForum, supported by National Science Foundation
Exploratorium Online
features dozens of online learning activities and exhibits. Make a mold terrarium, pinhole projector, telescope, or hair hygrometer. Explore the brain, biodiversity, Antarctica, DNA... (
National Science Foundation
provides Java applets, interactive modules, and Flash presentations for studying numerical and graphical solutions of differential equations, parametric representations of curves, the... (
The Mathematics Association of America, supported by National Science Foundation
Mathematics Across the Curriculum
features an "electronic bookshelf" of materials for teaching math in art, history, literature, and music, as well as science, engineering, and other disciplines traditionally... (
MATC Dartmouth College, supported by National Science Foundation
National Science Digital Library
provides access to resources in science, technology, engineering, and mathematics education and research. From video clips teaching cell division to simulations demonstrating plate... (
National Science Foundation
Collected Learning Units in Mathematics
provides more than 200 instructional units in arithmetic, algebra, calculus, data analysis, fractions, geometry, number theory, pre-algebra, pre-calculus, probability, statistics, and... (
National Security Agency
U.S. Census Bureau
provides statistical information about the U.S. population -- ancestry, occupation, income, housing, educational attainment, languages spoken, health insurance, marital status, veteran... (
U.S. Census Bureau
National Library of Virtual Manipulatives
provides interactive online math lessons, activities, and assessments. Topics include fractions, functions, geometric transformations, integer arithmetic, patterns and sequences... (
Utah State University, supported by National Science Foundation
is designed to help middle school teachers deepen their understanding of math concepts. More than 200 "recommended investigations" are offered for teachers to solve and then modify... (
University of Georgia, supported by National Science Foundation
Journal of Online Mathematics and its Applications
offers articles, learning modules, "mathlets" (single-purpose learning tools), reviews of online resources, and a developers' area. Search contents of the journal by type of resource... (
Mathematical Association of America, supported by National Science Foundation
Statistics Online Computational Resource
provides online aids for probability and statistics education, technology-based instruction, and statistical computing. It includes interactive graphs and calculators for showing... (
UCLA, supported by Multiple Agencies
Teaching with Data Simulations
helps students visualize abstract statistical concepts and see dynamic processes behind the gathering, analysis, and interpretation of statistics. Each sample activity includes... (
SERC, supported by National Science Foundation
Teaching with Spreadsheets Across the Curriculum
provides modules that help students build spreadsheets to solve mathematical problems in the context of their courses. Topics include compound interest, chemical equilibrium... (
Washington Center, supported by National Science Foundation
Seeing Math™ Interactives
clarify key algebra concepts. They help students see connections between symbolic and graphic representations of quadratic functions, linear functions, piecewise linear functions, and... (
Concord Consortium, supported by Department of Education
Data in the Classroom
provides curriculum guides for using real scientific data to investigate earth processes. Each guide focuses on a topic (sea level, water quality, and El El Niño) and starts with... (
National Oceanic and Atmospheric Administration
Census in Schools
offers lesson plans, fact sheets, and activities for learning about the 2010 census. How are census data used? Why is the wording of questions important? What are the various ways... (
U.S. Census Bureau
Calculator-Controlled Robots
is a guide book for using calculator-controlled robots with students in Grades 6-9 over the course of one semester. Missions are built sequentially on the knowledge of previous... (
National Aeronautics and Space Administration
Practical Uses of Math and Science
offers more than 60 one-page examples of how science and math can be used in interesting settings and everyday life. Topics include clouds (why they float), social security benefits... (
National Aeronautics and Space Administration
Mixing in Math
offers 40 activities that can be used to "slip a little math" into kids' everyday routines. Activities include using clocks and calendars, figuring lengths and widths, gathering and... (
TERC, supported by National Science Foundation
Balanced Assessment
offers over 300 mathematics assessment tasks for grades K-12. Topics and activities include averages, addition, area, batting orders, bicycle rides, chance of rain, chance of... (
The Concord Consortium, supported by National Science Foundation
Biotechnology Education Program
offers lessons and learning activities on acids and bases, diffraction, DNA fingerprinting and criminal evidence, electrophoresis (a tool molecular geneticists use to separate DNA... (
Department of Energy
About FREE


text:
Credits & Info
- Uploaded
- Nov 30, 2011 | 3:57 PM EST
- Daily Feature December 1, 2011
If you liked this, check these out!
Log in to save your medals! Don't have an account? Create one for free!
Author Comments
Echo Force Zero: Vol1
**Thanks for Daily First and FP !! CHEERS **
**also, if you don't like anime-inspired stuff or character archetypes, you probably wont care much for this ..you've been warned**
Well, i am Very happy to be getting this thing up! I worked very hard on this and am very happy with the results - - I have decided to classify it as an "Adventure Drama" as far as genre so keep that in mind
i want to thank all the incredible voice actors who really helped me bring this thing to life. and thanks to monoflauta for helping me code it all together
**Don't forget to find the hidden Scene! There will be one in each episode and it will be adding extra canon plot points - -HINT -- you dont have to click anywhere**
Check it out on youtube here:
http://www.youtube.com/wa tch?v=HD5YKEEQlPs
Later guys!
Rated 5 / 5 stars February 28, 2012
NOOOO!!! its over!! I cant wait for vol 2!! The animation and the voices were timed just right which is a BIG plus!
thank you so much! i feel like an ass for waiting so long on vol2 - -its coming though!
Rated 5 / 5 stars February 10, 2012
nothing in anime is ever really original, however your take on the usual plot is still pretty good
thanks so much - - many people are making anime comparisons but it's really not as much an animate homage than a 90's saturday morning style i imitate
Rated 4.5 / 5 stars February 9, 2012
Despite the cliches, or perhaps because of, I greatly enjoyed this! :D
I particularly like how fleshed out the world is. It feels organic, as if there really is a history to it, and that makes it easier to care about. The characters each seem to have their personality quirks, none being totally flat. There is a variety of music, and the voice acting isn't over-dramatized.
On the other hand, the animation was a distractingly choppy in a few spots, and questionable spelling took my attention off the actual story ("all ready" vs. "all ready"). Still, it's clear that a great deal of work went into this, and the result is terrific. Can't wait to see more!
Also, thank you for using my track!
Thank you so much for appreciate the amount of work - - sometimes i feel like it is so easy for viewers so just dismiss things - but its very nice to have someone appreciate the amount of work - -
and yes it is BECAUSE of the cliches that you like it, thats why i make it.
Rated 4 / 5 stars January 12, 2012
It was alright.
The animation like it was rushed somewhat and the lines were sort of cheesy (No offence) But the voice acting was good along with the plot.
Rated 5 / 5 stars January 4, 2012
Pretty good, just wish this seiries was finished... can't wait to watch the whole story


text:
Recipe: Vegan Tofu and Vegetable Pot Pie
Earlier this week we rounded up some vegetarian and vegan comfort food recipes from the Kitchn archive. Here's a brand new recipe for a warm and savory vegan tofu and vegetable pot pie with a super buttery, flaky crust. Its appeal isn't limited to vegans, either. My partner, a bacon and barbecue loving omnivore, confessed that he liked this pot pie even better than the meat versions he's had!
To give this pot pie a deep, savory flavor, I adapted my favorite umami-packed vegetarian gravy recipe from AllRecipes.com. It contains nutritional yeast, which has a nutty, somewhat cheesy flavor. The crust is adapted from Savvy Vegetarian and uses Earth Balance Vegan Buttery Sticks for a surprisingly buttery flavor and texture. I highly recommend it but feel free to substitute any other favorite pie crust recipe or even ready-made puff pastry.
The recipe may look long and complicated but don't worry, it's really quite easy! The key is to chill the crust ingredients and to chop and prep the filling ingredients before you start cooking. Dicing the vegetables into similar sizes will also ensure even cooking. Frying the tofu gives it a firmer texture and richer flavor but you may omit this step if you wish.
1 cup + 2 tablespoons all-purpose flour
1 stick or 1/2 cup frozen Earth Balance Vegan Buttery Sticks
Ice water
8 ounces super or extra firm tofu
3 tablespoons olive oil, divided
1 small yellow onion, diced
1 celery rib, diced
1 carrot, diced
2 cloves garlic, crushed
1 Russet potato, diced
1/4 cup all-purpose flour
2 teaspoons nutritional yeast
2 tablespoons soy sauce
1 1/4 cups vegetable broth
1/2 cup fresh or frozen peas
1 teaspoon finely chopped sage
1 teaspoon thyme leaves
Salt and pepper
Special Equipment
2 (12-ounce) ramekins or other oven-safe dishes
For the Crust (Part 1)
The secret to this crust is chilling the ingredients and tools. Place the flour in a mixing bowl and chill in the freezer while you are preparing the filling. Also place a pastry blender or fork in the freezer.
For the Filling
Preheat oven to 400° F.
Cut tofu into 1/3-inch dice and press between clean kitchen towels or paper towels to rid of excess water.
Heat 1 tablespoon of olive oil in a large skillet over medium heat and cook tofu until golden on all, or most, sides. Remove tofu from skillet and set aside.
Heat remaining 2 tablespoons of olive oil in the same skillet. Add onion, celery, carrot, and garlic and sauté until onion is translucent.
Add potato to the skillet and cook, stirring frequently, until tender but not mushy.
Add flour, nutritional yeast, and soy sauce to the skillet and stir into the vegetables.
Add vegetable broth and stir until combined, scraping all the browned bits from the bottom of the pan.
Add tofu, peas, sage, and thyme and stir until combined.
Remove from heat and season to taste with salt and pepper.
For the Crust (Part 2)
Take the supplies out of the freezer.
Cut the Earth Balance into smaller cubes or slices and add to the flour. Using a pastry blender or fork, cut the mixture until it resembles coarse meal. Then, using your hands, quickly rub the mixture together so that the Earth Balance is absorbed into the flour.
Gradually drizzle ice water into the bowl, mixing with the pastry blender or fork until the dough just comes together.
Quickly shape the dough into a ball and flatten into a disk. Place on a floured surface a roll out to 1/8 inch thick.
Place the ramekins upside-down over the dough and use a paring knife to cut out circles about 1/2 inch larger on all sides.
Assemble and Bake
Divide the tofu and vegetable mixture between the ramekins.
Place a dough round over each ramekin and tuck the sides under to form a thicker crust around the edge. Press to seal around the edges of the dishes and crimp with a fork. Cut a slit in the middle.
Bake in the oven until golden and bubbly, about 30 minutes.
Let sit for about 5 minutes before serving.
Crust recipe adapted from Savvy Vegetarian's No Fail Vegan Pie Crust.
Gravy recipe adapted from Becky's Vegetarian Gravy on AllRecipes.com.
Related: Not Chicken! 3 Variations on Traditional Pot Pie
(Images: Emily Ho)
Per serving, based on 2 servings. (% daily value)
23 Comments
Any chance you recall where you found the individual pot pie/quiche dishes? Mine are all either too small or too large, these look just right for a single portion.
My recipe is quite similar, but I throw in some fennel and use a mushroom stock. A subtle but important tip: try to vary the size/shape of your diced veggies. A pie filled different veggies, all the exact same size, just doesn't 'feel' as good as one with varied textures.
Yay! Many thanks for the new recipe :)
i'm all about the pot pie this winter! My fav spots in LA to get one are Good Girl Cafe in Highland Park and The Village Bakery in Atwater. I'm def going to try this recipe at home!
@embryoconcepts Those particular ramekins were from Crate & Barrel but it doesn't look like they have them any more. Here are some similar ones at Sur La Table.
Great recipe. I love that it's sized for two people.
I love pot pies! Anything baked and served individually is a great treat, because you know it was made just for you!
Ross, TJ Maxx, HomeGoods and Marshalls are GREAT places to find ramekins. I recently saw a 4-pk of LeCreuset 6oz ramekins at HomeGoods for around $12.
I would consider using baked tofu in this recipe, which is pretty readily available in supermarkets, as regular tofu will tend to get too soft after baking in liquid. Seitan strips would be another good alternative, since they have a "chicken-y" texture.
@Cat [at] The Verdant Life, baked tofu is a great idea. Using super firm tofu and frying it first, as I've suggested here, also prevents it from getting soft.
I had everything for these on hand, so I had to make them the day the recipe was posted. The filling was delicious. The nooch and soy made for a great sauce. The tofu stayed firm. I doubled everything to make four pies since the recipe is pretty time intensive. I used the original double crust recipe linked to, not the one posted here since I couldn't justify that much butter for two pot pies. Maybe a bad move. The crust was bland (I knew I should have added salt) and kind of hard. I'll definitely make these again with a different crust.
This is the recipe I needed today. The weather made it the perfect meal. Thanks!
i made this pot pie today, and it is AMAZING. I tripled the batch, and it was great! thanks for the recipe!
Learning to make pot pie has long been an aspiration of mine and I just made this as my first meal in a new year I intend to dedicate to learning how to cook new things! That might sound silly but I am feeling full with a warm belly and proud of myself right now! Thank you, Emily, it was delicious!
I made these for Christmas and they were to die for!
i had good success w/ this recipe! The crust was very good (I was doubtful of the Earth Balance but the crust was yummy!) and the filing was tasty. I used my mini le-creuset pots and they worked perfectly.
This was SO good! Here were my tweaks... I didn't have veggie broth on hand, so I used a bouillon cube from Edward & Sons "Not-Chick'n". Then for the crust, I followed exact instructions, but used 2 tbsp of Whole Wheat Pastry Flour with the 1 cup flour. As well as, put vodka and ice in a cocktail mixer and drizzled that for the ice water. I also just made one big pot pie, my BF and I chowed down!
Aaaaaaammaaazing! I added rosemary to my crust, corn in the mix, and a sprinkle of brown sugar...deeellliissh
Does anybody have any thoughts on how this would cook at a lower temperature? I want to make it in conjunction with a roast that's cooking at 350F. Obviously I'd have to leave it in longer, but would the crust still turn out well (i.e., flaky not gummy)?
does anyone have any idea if this amount of filling would work for a 9" pie plate (regular or deep dish)?
This is a wonderful recipe! However, I did make a few changes that I'd like to share. I used this recipe for a 9" pie. The dough was enough for a flaky crust on top. I used whole wheat pastry flour, and it still came out delicious. I also added .5 tsp salt to the dough. The seasoning for the filling was perfect, however, I added about 1.5 tsp of corn starch and a cup of almond breeze to give it a creamy consistency. I also added diced mushrooms to the recipe, and used "Not Chick-n" buillon cubes dissolved into 1.25 cups of hot water instead of vegetable broth.
I bet soy curls would work as a great substitute for the tofu!
Oh. My. Goodness. This recipe is perfect. 11...no wait, 12 stars out of 10! I made it for dinner and am so happy right now. :D The only substitutions I made were to use whole wheat flower instead of white, coconut oil instead of butter, and a little bit of salt in the dough. Hey, I even baked it in a toaster oven and it still came out delicious, warm, flaky, and comforting. Thanks!
This looks really good! I love the fresh herbs and nutritional yeast! I made a variation of this a few years ago, but I would love to try this new recipe. Thanks!
I made these for dinner last night and they were fabulous!
definitely want to try this one!


text: I spent three days on the Greenbrier River, WV, with my new Surf to Summit GTS Expedition kayak seat. It is worth every dime I spent on it! I didn't have any back problems at all. The extra height made all the difference; it really supports your entire back. Great adjustments, drains water well, good quality. Over all, this seat out performs all others I've tried by far!


text:
Major Details
Interpretation Studies in ASL-English B.S.
Delivery Method: Online
The demand for qualified ASL-English interpreters is traditionally high and is increasing yearly. The National Interpreter Education Center has documented a nationwide shortage of qualified interpreters. Since 2008, anyone wishing to sit for the National Interpreter Certification (NIC) must have completed a two-year degree. Now, under new National Registry of Interpreters for the Deaf (RID) rules (July 2012), a four-year degree is required for anyone wishing to become nationally certified. A number of states are now discussing similar plans for state certification.
The Bachelor of Science degree in interpretation studies in ASL/English will prepare students to effectively communicate and interpret between American Sign Language and English. The curriculum strongly emphasizes the sociological, historical, cross-cultural and educational approach to teaching and learning about the Deaf community and American Sign Language through the classroom, experiential learning events, and interactions. The program will prepare students to sit for national certification and to fill the increasing demand for skilled, qualified interpreters.
The Bachelor of Science degree in interpretation studies in ASL/English is an 11-course, 36-credit- hour degree-completion program designed for students who have completed a two-year degree in ASL interpreting or course equivalencies as determined by program faculty. Applicants who hold current National Interpreter Certification may have the entrance language proficiency exam waived and apply for Credential Learning credit. All students must complete a total of 122 hours for graduation, including transfer credit, Common Studies, ASL/Interpreting and electives.
Admission Requirements
- Language proficiency - Applicants will be assessed by full-time campus faculty for ASL fluency through an online assessment. The established proficiency benchmark must be met for entrance to the program. This assessment will be waived for applicants holding current NIC certification.
- College/university experience - Students must have completed a two-year degree in ASL interpreting or course equivalencies as determined by program faculty prior to entry to the program.
GPA requirements -
Students must have a cumulative GPA of 2.5 or higher to start program courses.
Revised 4/12/2013
Course List - Total Hours: 36
Course # Course Title Hours ASL220 Ethics and Decision Making 3 ASL316 Linguistics of Non-Manual Markers in ASL 3 ASL425 Linguistics of American Sign Language 3 ASL430 ASL Literature 3 ITP211 Theory of Interpreting 3 ITP310 Interpreting in Advanced Settings I 3 ITP311 Interpreting Applications and Analysis ITP410 Interpreting in Advanced Settings II 3 ITP450 Senior Capstone 3 ITP475 Internship I 6
Required Electives
Elective Hours ITP Studies Elective 3


text:
A 2-and-a-half -year-old pit bull named Carly owes her life to Detective Jennifer Kraus. Last September, a neighbor in White Bear Lake called police about a sickly looking dog that had just escaped from the basement of a house believed to be vacant for months.
"I was supposed to be going home. I'm off duty, and I said, 'I will go there,'" said Kraus. "The stench -- you could it smell from the sidewalk as I got out of my car."
Inside, the dog's feces and urine were everywhere, and water to the house was shut off. In addition to the underweight American Bull Dog that escaped, Kraus found three pit bull puppies crammed into a cage, a Chihuahua and two adult pits wandering the basement. All six dogs were dangerously thin.
"They were going to euthanize the two bullies because they were in such bad condition," recalled Kraus. "They did end up euthanizing one other female, and they were gong to euthanize Carly."
Instead, Kraus took Carly home along with the American bull dog she named Tugg. She also helped the other dogs find rescue homes.
"These dogs are really lucky that this was the officer that responded that day," says White Bear Lake City Prosecutor Robb Olson.
The dog's owner, Terrell Collins Jr., told investigators his brother was supposed to care for the dogs. The case was ready to go to trial until Monday when Collins pleaded guilty to mistreating the animals. FOX 9 went to Collin's home in St. Paul for comment but he is yet to call.
Collins father told FOX 9 News his son lost his job and could not afford to care for the dogs.
"I didn't know what to do with them. So, I figured, 'I guess I have to take them home,'" said Kraus. "My husband had said, 'No more foster dogs for awhile --and no more pit bulls because they chase the cats.' I said, 'Of course,' and then I pull up with two bullies. I said, 'Don't even ask me, just don't ask' -- and he didn't."
Kraus fed the dogs, let them sleep and later helped train and socialize them with other pets and families. At four months, Tugg had a new home. Now, nearly a year later, Carly has been adopted.
"She's just so sweet, and I think that's because of where she came from," said Beth Laver, Carly's new owner. "Now, she's just like, 'Somebody love me!'"
Instead of having claws so long that it hurts to walk, Carly has manicured paws complete with polish.
Kraus has fostered dozens of dogs and said she is proud to make their lives possible.
"A lot of people ask me, 'How can you do it? Doesn't it break your heart?'" she said. "I say no because you are getting a dog who was otherwise unwanted or abandoned. I just thought it was the right thing to do."
Didn't find what you were looking for?
All content © Copyright 2000 - 2014 Fox Television Stations, Inc. and Worldnow. All Rights Reserved.
Privacy Policy | New Terms of Service What's new | Ad Choices


text:
IRVING, Texas – There might be a "doom and gloom" mentality around Valley Ranch these days after
And that would be one Sean Lee.
Supported by his crutches, Lee spoke to reporters for a few minutes outside of the locker room on Thursday and gave plenty of votes of confidence for the overall defensive unit, and particularly fellow linebacker
"If I disconnect, I'm not part of the team at all," Lee said. "If I can help in a small way, it'll still help. I think this defense will continue to get better with or without me. I want to be a part of it. I'm so excited to see Bruce Carter, Dan Connor play. Those are guys who have gotten better and better and are ready to step up. I think this defense is going to continue to get better."
But Lee is a football player and he couldn't deny how much he'll miss not being there the rest of the season.
"I loved being there on Sundays and playing for the Dallas Cowboys," Lee said. It's a blessing each time I go out there it's a blessing to be able to play. I've dealt with this before. I'm still a part of this. I'm going to stay extremely positive."
Lee said another frustrating aspect of this week is the simple fact he won't play again – because of a big toe. This coming from a guy who had a torn ACL in college that forced him to miss an entire season.
"Yeah I've dealt with bigger injuries than this and you think a big toe wouldn't affect you like it does," he said. "It's one of those things – it's not going to get better unless I get surgery. I have to get the surgery done. Unfortunately, it's a couple of months."
When Lee left the locker room in Carolina on Sunday, he thought it'd be closer to a couple of days.
"I didn't think it was great because it got worse and worse as I got out of the game," Lee said. "But I didn't think it would be something like out for the season, especially the way it happened – a fluke play where I'm trying to make a tackle. Their tight end lands on my foot as I'm driving. He falls over a pile and bends my toe all the way back to my foot. It's one of those things you can't really avoid. It's frustrating in that sense."
Lee is expected to have surgery next Tuesday and said he fully expects to be ready for the start of offseason conditioning and drills, along with all minicamp and OTA practices.


text:
The Heavens rained down tears of sorrow on Mumbai on Saturday morning as the death toll from the attacks on the proud city climbed steadily.
The unseasonal rain marked the third day of the siege of the city's landmark Taj Mahal Palace Hotel.
I have spent the past three days covering the story day-and-night and sitting here in the rain on Saturday morning watching the flames pour from the 105-year old Heritage Building and listening to gunshots, I have to wonder why this has gone on for so long.
I'm sitting well back from the lobby area by the famous Gateway of India and even here occasional bullets are hitting TV trucks and whistling overhead.
When I arrived here on foot at around 1030 on Wednesday evening I certainly did not imagine I would still be here nearly 60 hours later.


text:
Andy and I worked at the Yellow Deli on a mild, winter day in Boulder, Colorado.
Andy and I worked at the Yellow Deli on a mild, winter day in Boulder, Colorado.
I worked and read while enjoying an Americano in the Kreuzberg neighborhood of Berlin.
I spent a few days working and relaxing at El Cosmico in Marfa, Texas.
I worked with Dave in front of Samovar Tea Lounge on a cold spring day in San Francisco.
I worked at Mars Cafe in Des Moines at the beginning of my stay with Dane and Andy. I also overheard a girl picking up a guy (and a guy trying his hardest to sabotage his good fortune).
I spent a few days working on Pete's porch in Chicago.
I worked with Allie at Bob's Java Hut in Uptown Minneapolis. We drank too much coffee.
I edited an audio interview at Spider House Cafe in Austin on a Sunday afternoon. Matt sat across from me and read Ayn Rand to the chagrin of our server.
I worked at Java Joes in downtown Des Moines. I also participated in a quid pro quo laptop supervision program, where I watch a laptop for the guy next to me…and he does the same in return an hour later. Thankfully, neither of us needed to use our laptop defense training…
I worked on a ledge outside Principal Park, home of the Iowa Cubs. I also got offered a free ticket to the game by a friendly passerby, but decided I'd rather work.
I worked at Royal Mile. I also ate a Portabella sandwich.


text:
- Gerald O'brian
- Andorra City
- Andorra
This conversation is closed.
If the cure for mortality is found within your lifetime, would you go for it and become immortal?
On the one hand, we're not made for eternal youth. And one could argue that knowing life is short (or just limited) is what makes it worth living. And perhaps death is a major spiritual part of life, whether you believe in a soul or in a metaphorical one.
On the other hand, how is aging yet not another disease? Dying at age 80 is no more a "natural" death than being eaten alive by a bear or killed by malaria. In fact, "old age" is probably the most unnatural cause of death, statistically. So all that's probably just a cultural habit : diseases are evil but aging is good. Another point is that, well, things have changed. Perhaps our new environment makes it suitable for immortal youths.
And of course, becoming immortal only means that you die when YOU chose to die.
So would you go for the injection or not, and how do you rationalize your decision?
Showing single comment thread. View the full conversation.
Jan de BoerOct 27 2013: No I would not go for that cure because I have had the privilege to observe a small part of what is behind death. And I like what I have observed. As result I have lost all fear of death. Death is like birth, a passage to a higher state of existence.
Once you are dead, you know everything you want to know and you can go where you want to go in zero time.
When my heart was severely damaged by an event, I had to undergo an 8 hour operation. The nurses were astonished: "But you are enjoying yourself here!". Severals days later there was a complication and my heart stopped pumping. Knowing that I had only a few seconds of consciousness left, a made a joke about it. I'm old, but I have a better physical condition than most people older than 20 years. Over 30 years ago I made a date for my century birthday and I'm looking forward to that day.
Also I have selected a religion that fits my experiences and have become Christian.
Adriaan Braam 30+Oct 28 2013: Hello Jan, agree with you all the way. Swedenborg, from experience, also says that dying is like going from one room to another.
Talking about death.. you may like this page on Facebook, HeavenandHellSwedenborg.
Personally I believe we are immortal already. We are our spirit, not our body, and our spirit is immortal.
Oct 28 2013: No, you are your brain, that is part of your body, that is playing a persevering trick on you.
When you are hungry, cold or sick you think, act and react differently then when you are not.
You are your body.
Or as Schrodinger said:
"All the events in space and time within the spatial boundary of a living organism
can be accounted for by physics and chemistry"
When you have read it, check the references on the bottom, I can recommend it to everyone,
not only academics.
Jan de BoerOct 29 2013: Hi Vincent
Once upon a time there was in Greece a man named Plato, who was convinced that all wisdom and science could and should be developed by thinking only. He was wrong. Today we develop an idea and the next step is testing if the idea is correct. You have to invent valid tests to convert your opinion into solid proof.
I have seen solid proof for my opinion that could not have been a persevering trick of my brain.
Please keep in mind that you may have a problem if you discover after your death that you are wrong. It is your problem, not mine.
Oct 29 2013: Dear Vincent, then how come we can detect and monitor anything pertaining to our body, even that we think and feel. THAT we think, not WHAT we think. That we have emotions, but not why.
What we love cannot be shown on a screen or in a tube because it is on a different level of existence. Those two levels, or realms, are 'connected' by correspondence. You cannot proof to your wife (if you have one) that you love her, except through consistent actions and movements of your body. Just words don't do it.
It always amazes me how people use their free will without realizing it. Could a lion decide to become a vegetarian? Can a flower turn away from the sun? Come on, become human..
Nov 6 2013: Hi Vincent. Most of the documents you refer to contain opinions, which is something else than verifiable facts. A biologists, Ben Hobrink, wrote a book titled "Modern Science in the Bible" that is full of verifiable facts. The Bible contains over 600 rules what to do or not to do. Please read the book and try to explain how the writer, Moses, could have known the medical facts on which these rules are based. Medical facts that were only slowly discovered during the last three centuries.
Please let me know if you have an explanation.
Oct 31 2013: Dear Adriaan and Jan,
I think that if there is anyone we can explain this to you it is Daniel Dennett, please watch this full explanation:
On what he mention "Nanolevel / proteinlevel":
If you're hungry for more:
Accepting that you are an purely reactive, but wondrous machine doesn't make it any less wondrous or worth living for. It is about the journey, not the end.
Come on, become transhuman ;)
@"Please keep in mind that you may have a problem if you discover after your death that you are wrong. It is your problem, not mine."
I know God exists, if you define him properly. You see him in the 'pattern of everything around you'. Such as in the "law of large numbers', probability theory, chaos theory, butterfly effect, central limit theorem. God is good to have if you are grateful, but do not know who to thank. Or if you are angry or sad, for example, by injustice and suffering, but you do not know who to blame. To the question 'how come that' is always a scientific answer -> see theories -> Wikipedia (!).
You would be judged on what you do for the world, not on what you claim and not for an afterlife. That is a story humans made up (from the church).
Nov 1 2013: Hi Vince, Mr. Dennett only compares a believe in a spiritual environment with the "Indian, climbing a rope" trick. There is no explanation whatsoever. He is only ridiculing a belief beyond the body. Nothing else, including his constant referral to magic.
I really enjoyed your links to the scientific animations of the cellular activities and molecules and the workings and looks of our DNA double-helix environment. One thing that I cannot pull myself away from is that when these miracles are seen, how can anyone think these were started in a big bang of nothing.. by accident.. with no purpose at all.
You may have seen that my favourite talk is about how a fetus starts and develops in a womb. And the same idea comes to mind.. from nothing? by accident?
Also, do any of the cells or particles decide how we are going to react when someone cuts us off in traffic??
After what you said above, is this how you really think?
--"I know God exists, if you define him properly."--
If so, I'm really appreciative because there is someone who had a 29 year long visit in the spiritual realm our spirit is in now, and wrote things down..
My major point is that we already ARE immortal because we are not our body. We do not have to take any shots or become vegetarian :) to become immortal.
The following link explains who and what God is and that immortality is because we are in His image and likeness. The last is also the reason for our consciousness and freewill. See what you think,
Nov 4 2013: Thanks a lot for your comments and sharing that text!
Really appreciate it.
I think it is a beatifull text and I have a hard time reflecting upon it.
But I will try..
I have real difficulty with the text in [69] 'Divinity fills all space in the universe nonspatially'. You can be a materialist and yet see the beauty of 'all that is' and the interconnectivity of everything. Materialism is not a bad view upon the world and has room for a God, such as mentioned in my definition. It is how you act upon the world that is important, not of how you think or what the church makes up with nice words.
Nov 5 2013: This can indeed be difficult to see, yes. But it is 'explaining that God is everywhere, causing reality and material to 'connect' and remain together. Just as metal is really a cloud of particles held together through energy.
Another way of putting this is to say, the spiritual God is in space without being limited/attached to space. As Rob Bell says, God is not an old man with a long beard sitting on a throne on a cloud. :)
Same as also saying God is in time, apart from time. He is in the past, present and future.
But totally agree with what you're saying. This material existence is important, very important because without it we could not start a life, learn and change our life.
However, I'm sure that, just like 99% of those that had a NDE and did not want to come back to this world, I see no advantage in becoming immortal and 'having to stay' on this planet to eternity. That would keep us "attached' to time and space, and the limits of the body.
"How you act upon the world that is important" Precisely!! thanks Vincent.
BTW the link above is to the book DLW (about God) and if you just change those 3 letters to DP you get the book about us.
Nov 5 2013: Thanks a lot, really interesting stuff.
"If we sensed and felt the working of divine providence, we
would not act freely and rationally, and nothing would seem
to be really ours. The same would hold true if we knew what
was going to happen"
I still keep on to my conviction that we are reactive machines and don't have much (say none) free will at all.
It is just a persistent illusion, because you live in the moment.
Again, this doesn't make the journey any less worth it at all or mean that you can go crazy upon the world, because you would have no free will. The non free thought and your observations in the environment makes your actions I would argue.
Nothing really seems to be ours really to me, everything is interconnected and dependent on coincidences. The butterfly effect is everywhere. And your decisions are also dependent on what you have eaten, how you are feeling and who you meet, hear and see in life, what time you go to bed, to work etc. etc.
I'm sure we will all acknowledge all that some day.
Free will is overrated.
I sensed and felt the working of divine providence ^^ Maybe.. :P
Nov 5 2013: "And your decisions are also dependent on what you have eaten, how you are feeling and who you meet, hear and see in life, what time you go to bed, to work etc. etc."
I would rather say our decisions 'are also influenced by what we've eaten, how well we slept etc.' because we do have the spiritual freedom to think "I had a lousy night and feel horrible, but I want to be nice to my partner or child or pet, because it is not their fault, and I love them." We have no control over what happens to us, but we do have the freedom to decide how to react. We do have the option to decide how much we let our feelings determine our reactions.
I think every post on TED is started, and worded, the way that person chooses to do it, on the subject he/she chooses to respond to.
Even the very question at the top assumes we have a choice: "Would you go for it and become immortal?"
So you managed to download Divine Providence? Great to talk with you!
Showing single comment thread. View the full conversation.


text:
(RNN) - Waiting until senior year of college for an internship? Not so much with today's students.
A newly released survey from Internships.com and Millennial Branding shows many students are already thinking about internships before they've even earned their high school diploma.
Some of that is pure ambition, driven by wanting to build experience and get into a good university. And some of it comes from mom and dad.
The survey of more than 4,700 students in both high school and college showed 55 percent said their parents put pressure on them to obtain some kind of professional experience during high school.
High school students report the things they most want out of an internship are new skills (92 percent), work experience (81 percent) and mentorship and networking opportunities (72 percent).
College students want work experience (89 percent), new skills (85 percent) and the all-important job offer (72 percent).
Nearly eight in 10 high schoolers were either extremely interested or very interested in volunteering to gain work experience compared to 63 percent of college students.
It's time that may be well spent in both the short term and long term.
More than 325 employers were also surveyed and 70 percent said high school students who complete an internship are very or completely likely to land a college internship with their company; 45 percent said that high school internships were likely to turn into a full-time job at their company.
Copyright 2014 Raycom News Network. All rights reserved.
730 North Summit Street
Toledo, OH 43604
FCC Public File
EEO Report
Closed Captioning
FCC Public File
EEO Report
Closed Captioning


text:
As the famous saying goes, "dog is man's best friend."
For our soliders stationed in Afghanistan stray dogs there can become even more than that.
These dogs have saved American lives.
Soldiers serving in Afghanistan often times want to take their pets with them when they leave that country.
Many would not be able to if not for The Puppy Rescue Mission, which through it's website works to help soliders do just that.
Anna Cannan, whose fiance was stationed in Afghanistan, developed thepuppyrescuemission.org when she realized what his dog meant to him.
Cannan and her volunteers raise money to have these dogs shipped to the United States.
"We are 100% volunteer-based and 100% based on donations," Cannan said in an interview with FOX 26 Sports.
"We are applying for our 501c3 status (which officially makes them a non-profit organization). So right now we have no sponsors."
However, that has not stopped thepuppyrescuemission.org from being successful.
"We have brought 80 dogs here in one year, all from Afghanistan," Cannan said. "Most of the Taliban don't like dogs because they don't like anything that makes our military happy."
Members of the American military like Nicholas, an Army E-4 Specialist who is benefitting from the services provided by the website.
His last name cannot be published.
"In all honesty this website is one of the best things I've actually ever scene," Nicholas said in a telephone interview with FOX 26 Sports from Afghanistan.
His exact location cannot be revealed.
"It gives us a chance to take something special home from Afghanistan that gets us through the day here," Nicholas said.
Nicholas recalls one story when the soldiers' pets became much more than that.
"A bomb went off and one of the dogs actually dragged a few soldiers that were wounded away from the blast area and saved a few lives," Nicholas said.
"Amazing" is the word Nicholas used to describe the efforts by The Puppy Rescue Mission for men and women like himself who are in the military serving in Afghanistan.
"In my unit alone we've already gotten three puppies home that belong to us," Nicholas said. "One's going to Boston with me. It's just great.
"Everyone I've talked to just loves this website and what it's done for us over here."
Nicholas said it took $3200 to get his puppy home and puppyrescuemission.org helped raise the money in eight days.
Music to the ears of the website's many volunteers, including Dawn Lowe of Houston, who also donates money to the cause.
"I think these animals are one of the few things that keep these soldiers sane over there, one of the few consistencies," said Lowe. "Something that gives them unconditional love, something that they know they can go back to after fighting for our country and the reason we are able to live the way we do is because our military fights to keep it that way.
"My passion is animals and to be able to help them in any way I can. These animals are our military men's and women's companions. You wouldn't want to leave your own pet if you had to move and the comfort of being able to bring them home is a big deal for them."
Didn't find what you were looking for?
All content © Copyright 2000 - 2014 Fox Television Stations, Inc. and Worldnow. All Rights Reserved.
Privacy Policy | New Terms of Service What's new | Ad Choices


text:
EXCEPTIONAL DESIGN FOR MEN - Dalvey is a unique men's accessories and apparel brand based in the Highlands of Scotland and exporting worldwide. Founded in 1897, the company was originally a musical instrument manufacturer, specializing in the production of Highland bagpipes it was the meticulous skills required in the crafting of musical instruments that provided the basis for the company's evolution into precision-engineered men's accessories. Owned and run by Sir Patrick Grant of Dalvey, the brand is driven by the aspiration of equipping discerning men. The core accessories range offers unique designs that combine elegance and functionality, and that make exceptional gifts for the thinking modern gentleman.
View Other selections from Dalvey
For Damaged Items:
Please unpack merchandise carefully and inspect upon receipt. In the event of breakage, please call us immediately (888 362-4789), so that we can go over the procedures for replacing the damaged item(s). Leave everything in the original box, with the packing materials. DO NOT SHIP ANYTHING BACK TO US WITHOUT CONTACTING US FIRST; WE WILL NOT BE ABLE TO ISSUE CREDIT TO YOUR CARD OR STORE CREDIT IF OUR PROCEDURES ARE NOT FOLLOWED, OR IF THERE IS FURTHER DAMAGE TO THE ITEM(S).
For Exchanges:
Items may be exchanged for other items, or for store credit, within a six- month period. Any items sent back to us must reach us in saleable condition. Customer pays return shipping fees.
For Refunds:
We will issue refunds to your credit card if an item(s) reaches you damaged and you do not want a replacement, or if an item has been misrepresented on our website. Misrepresentation must be agreed to by both parties. Refunds for misrepresented items will include shipping fees, and will be issued once the item(s) comes back to us in saleable condition.
No returns or exchanges for personalized or engraved items unless damaged, or received with an error.
No returns for STUDIO DIRECT orders unless damaged; handled at the discretion of the artist.
Lost or incorrectly delivered packages:
You will be given a tracking number when an item is shipped. If the package becomes lost or does not reach you, we will work with you in filing the proper UPS or USPS claim. Refund based on outcome of insurance claim; we are not liable after package has been successfully turned over to the carrier.
Late shipment Arrivals:
Please bear in mind, when you receive your tracking number, and the carrier has successfully obtained the package, we are not liable for the published or estimated shipment times. They are not guaranteed, especially with weather related delays.
Please ship any (non Studio Direct) returns/exchanges to:
*Gift-wrap is FREE for any Item over $29, OR ALL items in an Order over $99* (* $3.95 otherwise)
*ACG Points cannot be used with any other promotion Like "gift set sale" or "Final Blowout Sale"
*ACG Points are automatically applied at Checkout: Every customer has a "Card", points are accumulative, however, awarded in increments of $25 spent. Points are good for 1 Year Award on the confirmation page, and can be used towards your NEXT order by you or a friend.


text:
Latest News
ASSIST concludes SWEEP Project
SWitch to Sustainable Development through Energy Efficiency Practices (SWEEP) Closing Ceremony was held last April 30 at the Hotel Green Park in Chennai, India.
ASSIST at the AIDF Water Security Summit 2014
ASSIST Group Managing Director, Sreenivas Narayanan and AsianNGO Partnership Associate, Nicole Razo attended the Aid & International Development Forum Water Security Summit 2014 in Putrajaya, Malaysia last April 23-24.
ASSIST at the Sankalp Unconvention Summit 2014
Sankalp Unconvention Summit 2014 was attended by ASSIST's Marian Thomassen on April 9-11 at Hotel Renaissance in Powai, Mumbai.
Project Launching of Switch to High Efficiency Motors (HEMS)
Switch to High Efficiency Motors (HEMs), a project funded by the EU SWITCH-Asia Programme, was launched on April 3 at Dusit Thani Hotel in Makati City.
Welcome to ASSIST
Here at ASSIST, a leading international capacity building organization, we hope to promote sustainable practices to address social problems in the developing world, with focus on Asia and Africa.
We take pride in our process-oriented approach to capacity building towards social improvement and sustainable transformation. Our goal is to empower our target groups to make them resilient to the social, economic and environmental challenges.
Please browse around to know more about our initiatives in people empowerment as well as our involvements in social entrepreneurship. We also invite you to become one of our partners in working towards the progress of the people and the planet. Together, let's communicate, collaborate and capacitate.


text:
In a reassuring affirmation of its commitment to responsible growth, the Sacramento Area Council of Governments' board on Thursday voted unanimously for a resolution supporting the Blueprint, SACOG's prize-winning growth strategy.
The resolution showed that even new members of the SACOG board including some not around when the Blueprint was adopted have recognized its value in guiding regional growth and avoiding conflicts with environmental laws.
The resolution also provided a much-needed boost for SACOG's beleaguered staff. Its planners have been the targets of a ham-handed campaign by a group called Region Builders that had hoped to limit the staff's ability to comment, pro or con, on development projects.
The resolution restates principles and practices in place since SACOG approved the Blueprint nearly nine years ago. "Land-use decisions," it says, "are solely within the power of cities and counties." But it also makes clear that staff can continue to provide "written and verbal communication to SACOG members" about proposed developments and whether they are consistent with the Blueprint, SACOG's transportation plan and with state law.
Because they hold ultimate land use authority, elected officials are free to ignore SACOG staff warnings. Sacramento County supervisors did so when they unwisely approved the Cordova Hills development earlier this year. But the region should be proud to have a group of planners who are looking for cooperative ways to balance the needs of cities, counties, transportation, agriculture and open space. Thursday's resolution was a demonstration of that pride.
© Copyright The Sacramento Bee. All rights reserved.


text:
Munich, 10 February 2011 – At the 2011 iF communication design awards, one of the leading international design competitions, Interbrand received one of the coveted awards for its redesign of the Husqvarna visual identity.
Tilman Fuchs, Creative Director at Interbrand Munich, said, "The brand's goals were clear. Husqvarna aimed to achieve cult status as an authentic off-road motorcycle brand. This objective provided the central theme for the brand identity and ensured a distinctive positioning in the targeted segment, namely: Race Rebels – Wild at heart. Born to race!"
An international panel of judges selected the winners of the 2011 iF communication design award from among 861 submissions from 27 countries. A total of 231 entries were honored with the iF Label for outstanding communication design. The 30 best honorees will be announced at a ceremony to be held at BMW Welt in Munich and 18 March 2011, and will receive the iF gold award.
For more information, please contact
Isabel Ossenberg, Corporate Communications Manager
Telephone +49 89 520 579 36 email@example.com
| Privacy Policy |
Copyright © 2014 Interbrand. All rights reserved.|


text:
- Extraett
- uploaded: Oct 29, 2011
- Hits: 28
A science teacher explains the evolutionary forces behind porn's appeal, how the brain changes in response to super-normal stimulation, and what makes today's porn different from static porn of the past. For more, visit "Your Brain On Porn" http://yourbrainonporn.com.
0 comments
No comments yet.


text:
Priceless tips to get you on the right track
Download The Seven Most Common Marketing Mistakes Speakers Make
Marketing your business can be both an exciting and scary endeavor, even for those of us that have been doing it for a while. A few wrong moves can hinder your best efforts. Consider the most common mistakes speakers and independent professionals make when trying to grow their careers:
It's important that you establish a healthy synergy between what you offer, what your prospects need, and your fees. Undervaluing costs you money and handicaps your growth potential because it dries up your cash flow. Overvaluing robs you of your credibility and compromises your long-term viability.
Good administrators can be important, but they don't replace a good business development strategy or well-executed marketing plan. Often, when people begin to feel stuck or overwhelmed in their business, they want someone else to figure what isn't working, start doing what WILL work, or otherwise take away the pain. Typically, however, the pain is something only the business owner can fix: They need a stronger Marketing Gameplan.
If you're truly committed to being successful in your business, you need to deal with those issues that could sabotage your efforts. Get a good business coach, get some counseling, read some recommended books, figure it out. This distinction is just as important as a solid business development or marketing strategy.
Marketing mistakes not only waste our financial resources, they take our focus away from the crucial details that need our time and attention if our businesses are going to thrive. These mistakes can be minimized with the right strategies and smart execution, paving the way to your success as a speaker or independent professional.
Misty Williams, founder of Strategic Marketing Solutions, helps speakers, coaches and consultants develop a Marketing Gameplan that works to grow their businesses. She can be reached at (615) 266-6231, or firstname.lastname@example.com. Follow Misty: Twitter, Facebook, LinkedIn


text:
The Montreal Canadiens' recent skid couldn't have arrived at a worse time.
Not to say there's ever a good time for four losses in a row, but that's the Habs' reality and in doing so have seen themselves drop into wild card territory behind the hated Toronto Maple Leafs.
Granted, Montreal has two games in hand, but with the three teams ahead of them all riding hot streaks - the Boston Bruins earning points in four straight, the Tampa Bay Lightning on a three-game winning streak and the Leafs having earned points in seven of their last eight - the alarm is rightfully going off.
It's not just the losses or even the standings that are of highest concern to Montreal fans.
The Canadiens have given up at least four goals in each of their last six and Carey Price has been chased out of the net in two of his last three games. Even the lone win that they have managed to garner over the stretch – a 5-4 overtime victory over the Ottawa Senators on Jan. 16 – was a puck that trickled past Craig Anderson and led to a firestorm with P.K. Subban's game-winning celebration.
Add that to a near-goalie fight against the Pittsburgh Penguins last Wednesday and the Canadiens are grabbing headlines for the wrong reasons.
So what gives?
Mired in the longest stretch of futility since general manager Marc Bergevin took over, the Canadiens don't have a single player among the NHL's Top 50 scorers and their current leading scorer is a defenceman (Subban). A defenceman - mind you - that will once again be the centre of contract negotiations and all sorts of rumours until his name is once again down on a contract.
However, with 55 points through the first 44 games of the season, perhaps the Habs should be granted some slack as they endure this skid.
After all, the Detroit Red Wings - currently two points back of Montreal and in the second wild card spot - rattled off a six-game losing streak in December. The Maple Leafs, too, lost four straight before going on their current streak, giving up even more goals in their four-game skid than the Canadiens have on their current slide.
Even if they should win both their remaining games, the Canadiens will post their worst monthly record of the season for January. They will then have five games in eight nights in early February to try to make some hay before the Olympic break.
But then what? If Price or Subban are unable to thrive – or not even feature – for Canada at the Olympics, will it affect their play after the break? Will the likes of Alexei Emelin and Andrei Markov return jubilant if Russia captures gold at home? Or will they be crushed by disappointment?
The Canadiens have time to turn the ship around with more than a third of the schedule left to play, but the closer the playoffs get, the tougher the games will get. The Bruins and Tampa Bay Lightning are both keeping pace with one another, meaning a failure to gain ground could soon result in a first-round date with one or the other. Or even the Pittsburgh Penguins.
Or even failing to make the postseason for the second time in three seasons.
So are the Habs going through a bad stretch? Or are they just a bad team?
As always, it's Your! Call.
TSN's Bob McKenzie sets up the start of training camp, going one-on-one with the GMs from all seven Canadian teams.
WATCH: Bryan Murray - Ottawa Senators
WATCH: Dave Nonis - Toronto Maple Leafs
WATCH: Kevin Cheveldayoff - Winnipeg Jets
WATCH: Marc Bergevin - Montreal Canadiens
WATCH: Brad Treliving - Calgary Flames
WATCH: Craig MacTavish - Edmonton Oilers
WATCH: Jim Benning - Vancouver Canucks
TSN.ca previews what to expect out of the NHL's 30 teams as we count down to puck drop. Check daily for team previews and updates on each Canadian franchise leading up to Oct. 8.
Latest Preview: Carolina Hurricanes


text:
- About Us
- Applications
- Services
- Customers
- Supplier Services
- News & Events
- Contact Us
Promote Your Services
Stand Out From the Crowd - Promote Your Staffing Company Through ShiftWise
ShiftWise puts you in front of key hospital and health care systems
Our hospital clients consistently look to ShiftWise when modifying their healthcare staffing agency list. Everyday 1000's of hospital employees view our web pages looking for staffing agencies to fill their open job positions.
ShiftWise has helped hundreds of healthcare staffing agencies connect to new hospitals all around the nation. By becoming a ShiftWise Featured Supplier we'll promote your services directly to our hundreds of hospital clients all across the nation.
As a ShiftWise Featured Supplier you will receive:
Helpful Links:


text:
general norg
Credits & Info
- Views
- 4,391
- Score
- 2.70 / 5.00
- Date
- 05/13/2012
- Category
- Illustration
- File Info
- 680 x 850 px
- 125.5 kb
- Tags
- alien
- scifi
- comics
- villain
Share this submission?
Related Stuff
Licensing Terms
You are free to copy, distribute and transmit this work under the following conditions:
- Attribution:
- You must give credit to the artist.
- Noncommercial:
- You may not use this work for commercial purposes unless you make specific arrangements with the artist.
Author Comments
i really love character designing... i have a plethora of designs ranging from sci-fi to horror to fantasy... this designs is one of many that are a part of my epic sci-fi/western/space opera...
family: nagorian
name: general norg
birthday: he doesn't celebrate!
hometown: dredgeton, nagoria III...
likes: conquering other planetary systems...
dis-likes: lesser beings...
super powers: plasma fueled suit, super strength/endurance, genius intellect...
personality: general norg is the ruthless of the nagorian star fleet! general norg and his hi-tech soldiers are on a rampaging collision course from outer rim to outer rim... conquering every planetary system in sight! so set your laser guns, plasma rifles, and what have you, to kill... because that's the only way you're going to stop the nagorian horde!
Rated 4.5 / 5 stars May 14, 2012
Creativity is welcome, idk why so many people be hatin


text:
Police in Canton say they are looking for a suspect after a woman says someone attempted to kidnap her Thursday morning.Investigators say the woman told them that she was walking along Reservoir Drive near the entrance of the First Baptist Church in Canton when a man approached her from a nearby wood line. She says the man threatened her to abduct her, and that he was armed with a pistol.They say she immediately crossed the street, flagged down a passing car and called 911. The suspect fled on foot heading towards the Great Sky community.The nearby FBC Church and its day school were put on lockdown as police conducted a search for the suspect. They did not find the man.Police describe the suspect as a white male about 6-feet tall in his early 30s. He was last seen wearing a burgundy long sleeve shirt, a khaki cap, sunglasses, and blue jeans.Anyone with information on the case is urged to call Canton police at 770-720-4883.
KDFW FOX 4400 N. Griffin StreetDallas, Texas 75202
Main Station Directory:(214) 720-4444News Fax:(214) 720-3263 or (214) 720-3333


text:
What is Life Insurance
With the unsure status of life with accidents, health complications life is no more what it used to be. To secure and protect your family and near ones against unwarranted incidents, life insurance is a must. Life insurance ensures that your family will receive financial support in your absence. Put simply, life insurance provides your family with a sum of money should something happen to you. It protects your family from financial crises.
In addition to serving as a protective cover, life insurance acts as a flexible money-saving scheme, which empowers you to accumulate wealth-to buy a new car, get your children married and even retire comfortably. Life insurance also triples up as an ideal tax-saving scheme.
Why do You need life insurance?
"Who will take care of my family if tomorrow something unfortunate happens to me?" If this question bothers you, then Life Insurance is the answer.
Of course, under any circumstances, the loss of a loved one is a traumatic experience. But, if your family is also left without sufficient money to meet basic living needs or prepare for future goals, they will have to cope with a financial crisis at the same time. A Life Insurance plan ensures that your family is financially secure even if tomorrow you are no longer around to care for them.
Key Benefits of Life Insurance
Life insurance, especially tailored to meet your financial needs
Need for Life Insurance
Today, there is no shortage of investment options for a person to choose from. Modern day investments include gold, property, fixed income instruments, mutual funds and of course, life insurance. Given the plethora of choices, it becomes imperative to make the right choice when investing your hard-earned money. Life insurance is a unique investment that helps you to meet your dual needs – saving for life's important goals, and protecting your assets.
Let us look at these unique benefits of life insurance in detail.
Asset Protection
From an investor's point of view, an investment can play two roles – asset appreciation or asset protection. While most financial instruments have the underlying benefit of asset appreciation, life insurance is unique in that it gives the customer the reassurance of asset protection, along with a strong element of asset appreciation.
The core benefit of life insurance is that the financial interests of one's family remain protected from circumstances such as loss of income due to critical illness or death of the policyholder. Simultaneously, insurance products also have a strong inbuilt wealth creation proposition. The customer therefore benefits on two counts and life insurance occupies a unique space in the landscape of investment options available to a customer.
At DHFL, we are very concerned about the well-being of you and your family members. We suggest that you opt for a Mortgage Reducing Term Assurance (MRTA) product which will provide coverage during the loan tenor and will ensure financial security for your family.
Goal based savings
Each of us has some goals in life for which we need to save. For a young, newly married couple, it could be buying a house. Once, they decide to start a family, the goal changes to planning for the education or marriage of their children. As one grows older, planning for one's retirement will begin to take precedence.
Clearly, as your life stage and therefore your financial goals change, the instrument in which you invest should offer corresponding benefits pertinent to the new life stage.
Life insurance is the only investment option that offers specific products tailor-made for different life stages. It thus ensures that the benefits offered to the customer reflect the needs of the customer at that particular life stage, and hence ensures that the financial goals of that life stage are met.
The table below gives a general guide to the plans that are appropriate for different life stages.
Life Stage
Primary Need
Life Insurance Product
|Young & Single
|Asset creation
|Wealth creation plans
|Young & Just married
|Asset creation & protection
|Wealth creation and mortgage protection plans
|Married with kids
|Children's education, Asset creation and protection
|Education insurance, mortgage protection & wealth creation plans
|Middle aged with grown up kids
|Planning for retirement & asset protection
|Retirement solutions & mortgage protection
|Across all life-stages
|Health plans
|Health Insurance
What is Life Insurance
How much insurance do You need?
Before buying an insurance policy, it is always important to find out the amount of life insurance cover you need. The following factors should be considered before buying a life insurance policy:
• Your age and number of dependents
• Your annual income and annual expenses
• Your outstanding liabilities like home loan, car loan, etc.
• Your investments / savings
• Your lifestyle expenses
• Monies you would require in future
As a thumb rule, it is suggested that you should have an insurance cover of around 5 to 10 times of your annual income. A good financial advisor in your neighborhood can help you ascertain your appropriate insurance cover.
Want to know the amount of insurance cover you need right now? Click here to access our Insurance / Human Life Value Calculator.
Human Life Value
What is your Human Life Value?
Beyond all doubt, your life is invaluable. Yet, there is a certain worth that can be attributed to the financial support you offer your parents, spouse or children. This worth is referred to as Human Life Value (HLV). In the future, if your family does not have the protective blanket of your presence, they will no longer be able to enjoy the benefits of the income you earned. Put simply, Human Life Value is the present value of your future earnings.
Why should you calculate your Human Life Value?
You should calculate your Human Life Value so you can accordingly invest in insurance plans that provide your family with adequate finances and hence security even in your absence.
How do you determine your Human Life Value?
Your Human Life Value is determined by 3 factors:
1. Your age
2. Current and future expenses
3. Current and future income
As a thumb rule, if you are 30 years of age, you should insure yourself for an amount approximately 8 times your annual income. At 35, your investment should be close to 6 times your income. Of course, the exact amount of your investment should be determined by the number of people who depend on you, your existing investments and your life stage. For example, if you are 30 years of age and have two children and parents to provide for, the amount you invest should be reflective of your requirements.
Life Stage Profiler
All through your life, several significant events the birth of your child, moving to a larger home, his or her education and wedding, buying a new car, retiring from work will occur at various stages and demand your financial commitment. If you plan in advance for these events, you will quite naturally be prepared when they occur.
Life insurance is an effective tool that assists you to plan for your future such that you are financially equipped to meet all your goals.
Our special tool, the Life Stage Profiler, assists you to plan for a secure financial future. Please use the tool, right away!
Which important goals should you plan for in advance?
o Your family's protection : so that your loved ones are secure should an unfortunate event happen to you. Buying Life insurance assures that your family receives a lumpsum that safely tides them over any financial crises that might occur in your absence.
o Child's education : As parent, your primary responsibility is to ensure your children's future. Our Education Insurance plans ensure your child receives money at key stages of his or her education even in your absence.
o Savings : Savings plans allow you to steadily save towards a pre-decided goal in a secure manner. These plans provide you with a host of benefits. You can choose the premium, the underlying fund in which you want to invest your money, the ratio between protection and investment as per your requirements.
o Retirement : Retirement plans help you secure regular income for your retired life. During the Accumulation phase, you systematically save while you are working. When you retire, the Payout stage of the plan begins. You then purchase an annuity, which will serve as a steady stream of income, for the rest of your life.
o Health : An integral part for financial planning is protecting oneself against any medical emergencies as well. Hence, a very prudent decision would be to choose a combination of plans that look after your finances and offer you a protective health cover to ensure your financial planning is in track despite any major illnesses. ICICI Prudential offers 3 comprehensive benefit-based products that cover major critical illnesses.
Income Tax Benefits
Life Insurance as a tax saving tool, offers savings under various sections of the prevalent income tax act.
Life Insurance FAQs
) What is life insurance?
Life Insurance is an agreement that guarantees payment of a stated amount of monetary benefits at the end of a specified term or on the death of the life insured.
2) Why do I need life insurance?
Life Insurance provides for financial security in the event of death or on the inability to earn due to physical disabilities. Besides providing for financial security in the case of one's untimely death, it can be used to accumulate a kitty for your old age, systematically build assets, for funding your child's education and also for saving on taxes.
3) I know I need life insurance, but cannot afford the coverage I need. Can I do anything to lower the cost?
The cost of life insurance depends on three factors: your age, health and your income. We suggest that you not compromise on the level of protection you require. You could purchase a basic protection policy that gives you the opportunity to pay only the minimum premium. You can choose this affordable policy, without any riders.
1) What is nomination? And who is a nominee?
Nomination is a right conferred on the life insurance policyholder to appoint a person or persons to receive the policy monies in the event of the policy becoming a claim by death. Any policyholder, who is a major and the life insured under a policy, can make a nomination.
A nominee is the person designated by the policyholder to receive the proceeds of an insurance policy, upon the death of the insured.
2) Can I change my nomination?
Yes. You can change your nomination at any time till the maturity date. All you need to do is to inform us about the change through the specified form.
3) What details am I to provide about the nominee/s?
The following details are necessary when filling in the proposal form: full name of the nominee, address, age, and the relationship between you and the nominee.
4) What is the difference between nomination and assignment?
While nomination is an authorisation to receive the policy monies in the event of death of the life assured, it does not give the nominee an absolute right over the money received to the exclusion of other legal heirs. Further, the nomination can be revoked or cancelled at any time during the lifetime of the policyholder at his will and pleasure or by a subsequent assignment.
On the other hand, assignment of an insurance policy is a transfer or assignment of all rights and liabilities of the insurance policy in favour of the assignee.
1) What is a Claim?
A claim is the payment made by the insurer to the insured or claimant on the occurrence of the event specified in the contract, in return for the premiums paid for the insured.
2) What parameters are considered by the company while asking the claimant to submit particular records / document?
The Company considers the Sum at risk, cause, circumstances of claim and duration of the policy while asking for certain requirements. Eg. For accidental death, specific proofs such as Post Mortem and Police Report are required whereas for death due to illness, the Company calls for records from hospital, test reports, etc
3) Once all the requirements are submitted, how much time does the Company take to settle the Claim?
The Company settles the Claim within 8 working days after all the records, documents and necessary forms are submitted and documentation is completed.
In case, the Claim warrants further verification, the Company keeps the Claimant informed of the same. Subsequently, when the decision is taken, it is communicated to the Claimant by a letter. From November 2005, we have started sending SMS Alerts to the advisor of the policy to enable the quick communication of the decision of the claimants.
4) What is IRDA?
IRDA is Insurance Regulatory Development Authority, that has been set up to protect the interests of the policy holders, to regulate, promote and ensure orderly growth of the insurance industry and for matters connected therewith or incidental thereto. [This definition has been taken from the IRDA website]
5) What are IRDA guidelines pertaining to Claim processing?
As per IRDA (Insurance Regulatory Development Authority), the Insurance Company is required to settle a claim within 30 days of receipt of all requirements.
However, if the claim warrants further verification, the Company should complete its procedures within 6 months from receipt of written intimation of the claim. If the Company settles the claim beyond 6 months period, the interest is payable by the Company on the claim amount. The interest is payable only where the Claimant has submitted all the requirements. Further, rate and period of interest are decided as per IRDA guidelines.
6) Who is entitled to receive the Claim benefit?
o The nominee or appointee (in case of minor nominee) last recorded under the Policy in case of Policy on own life.
o The proposer in case the Policy is not on own life.
o Assignee in case the Policy was assigned.
o Life Assured himself in case of policy on own life for living benefit claims (Eg Critical Illness rider)
7) How do I make a Maturity Claim?
You must send the:
- Completed Claim form
- Policy of life assurance
- Proof of age, if not submitted earlier
Policy Servicing
1) What is the difference between switch and redirection?
A switch will enable you to shift the existing units of your unit-linked policy into a new fund and will not change your future premium allocation.
A premium redirection will enable you to change your allocation for all the future premiums of your policy. However, your existing units will not be shifted into a new fund.
2) In case I lose my policy document how do I obtain a duplicate policy?
You will need to pay the charges towards the issue of a duplicate policy, which will also include the charges for stamp fee. We will send a 'Duplicate Policy Request' form that you will need to fill and send.
3) How will the Net Asset Value (NAV) be calculated for my servicing requests?
The Net Asset Value (NAV) is applicable at the time of valuation/purchase. It is calculated as the value on the day you make a transaction request (provided it is a working day).
4) How do I notify a change in address? OR How can I change my policy details?
You have the following options:
1. Download the 'Change Request' form, fill and send it.
5) How do I effect a Top- up/Fund Switch/Premium Redirection?
1. Download the appropriate form, fill in and send it..
6) Can I change the frequency of payment for my policy?
Yes, you can change the premium frequency from low (annual) to a higher frequency (bi-annual or monthly) or vice-versa.
7a) What do I need to do when the life assured becomes a major?
When the life assured becomes a major, you need to submit the proof of his/her age with his/her correct date of birth. You also need to write a covering letter.
7b) Can I change the date of birth after the free look period? If yes, what are the documents required?
Yes, you can change the date of birth after the free look period. All you need to do is submit the proof of age with the correct date of birth, along with a covering letter.
8) When does a policy lapse?
A policy lapses when the policy holder fails to pay the premium even within the grace period. In this case, the policy loses all its benefits.
Surrender/Partial withdrawal/Assignment
1) Can I surrender my policy?
After you pay premiums for at least three consecutive years, your policy acquires a surrender value and you can surrender the policy. If you have a single premium policy, you can surrender your policy after the first year.
2) What do I need to do to surrender my policy?
You need to submit the Payout Request Form. Alternatively, you can contact us at any of our contact points.
3) What is partial withdrawal?
Partial withdrawal of a policy implies withdrawal of only a part of the funds of your policy. The applicable norms for partial withdrawal may differ for every product. For product-specific details on the same, please refer to the respective product brochures that are available in the Products section of our website.
4) What are Top-ups?
Top-ups are one-time payments. You have the flexibility to make an additional investment through a top-up, which is over and above your regular premium payments. You can make a top-up at any time while your policy is in force. The applicable norms for top-ups may differ for every product. For product-specific details on the same, please refer to the product brochures available in the Products section of the website.
5) What is 'transfer' or 'assignment' of a life insurance policy?
Transfer or assignment is a method of transferring one's transferable interest in a life insurance policy to another person or institution, for example, as a security for repayment of loans.
6) Can I assign a policy?
Yes, you can assign a policy. To assign the policy, you have to notify us regarding the assignment.
7) How do I assign a policy or transfer a life insurance policy?
Assignment or transfer of a life insurance policy may be made by simply making an endorsement to that effect in the policy document. Another way of transferring or assigning the life insurance policy is to get a separate assignment deed executed.
The former case is the preferred mode of assignment as it is exempt from further stamp duty. An assignment should be signed by the assignor or his duly authorized agent, and should specifically state the fact of transfer or assignment. The document should be attested by at least one witness.
8) Is assignment allowed on all the insurance plans?
Assignment is applicable on all insurance plans except Pension Policies and Married Women's Property Act (MWP).
What is Term Insurance
Term insurance is the simplest and most fundamental insurance product. Term insurance plans are designed to ensure that in the event of the policyholder's death, the family gets the sum assured (the cover amount).
What is term life insurance?
Term life insurance ensures that your family receives a large lumpsum amount, called the sum assured, in the unfortunate event of death of the policyholder. By offering this benefit at extremely competitive rates, Term insurance plans provide an opportunity to get the protection of insurance cover at extremely affordable prices.
Why do I need term life insurance?
• Increasing liabilities : People today prefer to take loans to fulfilling their needs, instead of waiting to save for the future. India's outstanding credit card debt had touched Rs 26,500 crore in May 2008, up by 87% from May 2007. Hence, in your absence, your family needs to take care of this loan.
• Nuclear family structure : Earlier, people could depend on their extended joint family system to take care of their near and dear ones in case of their absence. However, the share of families with more than 5 members has come down from 64% in 1990 to 56% in 2005 and is expected to decrease further.**
• Increasing lifestyle diseases : The share of lifestyle diseases in India is increasing. Also, people in senior management are more prone to lifestyle diseases, as per an ICRIER Study.
**Source : Household Assets and Liability, NSS Report No. 500, 59th Round (January-December 2003).**Source: Euromonitor International
Why should I start planning my life cover needs now?
• One should have adequate cover for dependents. It's better to be prepared and ensure that the financial needs of your loved ones are taken care of, in the unfortunate event of death.
• With age, the premiums tend to increase and therefore buying term insurance becomes more expensive.
• Apart from the benefit of protection for your dependents, also enjoy tax benefits as per prevalent tax laws.
Why wealth plans?
As an individual who doesn't desire the best from life? You would undoubtedly want to plan your finances such that you can achieve all your goals – a car, a beautiful home and of course, the comfort and contentment of your family. All of these goals are long term in nature. Wealth insurance plans have been designed to ensure that you can save for these long term goals along with the benefit of life cover and provide protection to your family
What is wealth insurance?
Wealth insurance ensures that you receive a lumpsum amount of money at the maturity of the Policy. In the unfortunate event of death during the term of the policy, your family receives lumpsum amount, called the Sum Assured. Thus it combines the benefits of protection and saving in a single instrument.
Why do I need wealth insurance?
• Regular savings : Insurance inculcates the habit of regular and disciplined savings, which is the key to successful long term financial planning. Pay your premiums regularly and enjoy the uninterrupted benefits of wealth insurance.
• Protection : Wealth insurance provides the protective benefit of a life cover, which keeps your family secure, always.
• Tax benefits : Apart from protection and savings, wealth insurance plans also offer tax benefits as per prevailing tax laws
Why child plans?
As a parent, you would not like to compromise your child's bright career, regardless of the rising cost of education. All you need is a saving's plan that is designed to provide money at key educational milestones and take care of your loved ones future even if you are not around. Education insurance offers you unique features which ensure that this objective is achieved and it helps in strengthening your child's dreams.
What are education solutions?
Education solutions ensures comprehensive financial planning for your child's education/ developmental needs. In this you pay premium regularly or in a single lump sum and during the key educational milestones of your child you can withdraw the money partially. It offers financial protection to your child's future in the unfortunate event of your death.
Why do I need education insurance?
• Increasing costs of education : The costs of education is increasing at a rapid pace across all levels. In order to ensure that you can pay for your children's educations you need to start saving at the earliest.
• Multiple interests of children : In order to ensure that your child is an all-rounder you need to train him in different areas like sports, dancing, singing etc. All these extra-curricular activities cost huge money and hence add to the overall cost of education.
• Tax benefits : Apart from protection and savings, wealth insurance plans also offer tax benefits as per prevailing tax laws.
• Protection : In the unfortunate event of death of the parent (Life Assured) during the term of the Policy, the following benefits are payable:
o Sum Assured would be paid to the beneficiary.
o Future premiums would be paid by the Company till the maturity of the Policy
o Policy benefits would continue for your child's educational and developmental needs, as planned by you
o If an optional rider has been chosen, an additional fixed amount shall be paid to the child every year till the maturity of the Policy
These features are available with minor variations across almost all educational insurance policies.
When should I start investing for my child's educational needs?
What is the better time to start investing in an educational plan than the day your child is born? This will ensure that at the time of higher education of your child, an adequate financial corpus is built. Or, you can even use the maturity amount to gift the apple of your eye a wedding to cherish for a lifetime or seed capital to fuel his business ambitions. So, start as early as you can to enjoy the benefits of long term planning.
Why retirement plans?
Our pension plans are designed to ensure that your retirement years truly become your golden years. They will provide you the financial security to pursue your unfulfilled dreams.
What is retirement insurance?
Retirement insurance ensures that you or your family members receive a regular pension amount post a retirement date. You have the flexibility to choose the retirement date and the manner in which you receive the pension.
Why do I need retirement insurance?
• Longer retirement years : Average life spans are increasing in India and hence, the retirement years are likely to be longer. With the rise in inflation you will need more money to live in comfort.
• Financial independence post retirement : Earlier, people could depend on their children to take care of them post retirement. However, as a modern individual, would you not like to maintain your financial independence post retirement also?
• Inflation : Inflation is an important factor. Post retirement, you need a regular income to ensure that your expenses can be met.
Why should I start planning for my retirement now?
• The earlier you start planning for retirement, the larger will be the corpus for you at the time of your retirement. Neglecting your retirement needs can prove to be costly later in your life.
• With age, your expense will tend to increase and therefore retirement planning becomes more difficult.
• Apart from the benefit of a comfortable retirement, also enjoy tax benefits as per prevailing tax laws.
To know more, you can mail to email@example.com or Call toll free – 1800 22 3435 or SMS DHFL to 56677
Why health plans?
Designed to ensure that you and your family get the medical treatment whenever you need it. Secure your family now with our health plans.
What is health insurance?
Health insurance insures you and your family against expenses arising due to a medical emergency and uncertainty of health such as a hospitalisation or the onset of a critical illness. It prevents a medical emergency from becoming a financial one; it ensures your health care needs are taken care of without you having to dip into your existing savings or compromising your future goals.
Why do I need health insurance?
• Medical emergencies can strike unexpectedly : 30% of the population suffers from heart attacks before the age of 40 years. Rare non-communicable diseases are now becoming common, affecting an increasing number of urban Indians. #
• Lifestyles have changed : Indians today suffer from high levels of stress. Long hours at work, little exercise, unhealthy diet food have weakened our immune systems and put us at an increased risk of contracting illnesses.
• Quality health care is unbelievably expensive : Single episode of a critical illness like an angioplasty can cause a huge dent (around 3 lakhs) in your lifetime savings and with rising medical costs, it can get worse. #
• Indirect costs add to the financial burden : Indirect sources of expense—travel, boarding and lodging, and even temporary loss of income account for as much as 35% of the overall cost of treatment. #
• Incomplete financial planning : Complete financial planning includes saving for an uncertain future, children's education, retirement and the most important aspect of your life – your health.
# Source: CII report
Are there different health insurance needs?
There are different kinds of health insurance plans available to suit your individual needs:
• Hospitalisation insurance : Cover yourself for hospitalization expenses incurred. You have a further choice between a reimbursement plan (claim your expenses as actually incurred) or a fixed benefit plan. (claim as per pre-decided limits defined by the plan you select )
• Critical illness insurance : Cover yourself against critical illnesses which are life changing catastrophes, expenses for which are big in nature.
Why should I start planning for my health now?
• You will be able to deal with medical emergency finances without falling back on your savings. Thus your medical policy protects your finances.
• You can choose appropriate healthcare plan as required without acute financial anxiety and so can focus on the recuperation process.
• You would be a better provider (supporter) to your family in times of health emergency as they will receive adequate medical attention.
• Waiting until you are older is not a recommended approach, as it gets more difficult to obtain a health cover with age. Also, if you have a prevailing disease/critical illness (like diabetes), it is likely to be exempted from the health cover under the pre-existing condition.
• As already shared, a health crisis could unexpectedly occur and if you are not covered during the time of emergency it will drain your savings.
• You can enjoy tax benefit up to Rs. 15000 u/s 80D of the Income Tax Act, 1961.
How do I plan for my health insurance?
Sound health cover planning ensures you have access to sufficient funds to meet direct medical expenses of the treatment, indirect expenses at the time of treatment and loss of income, if any, due to the illness.
Select a health plan by taking into consideration factors such as your income, age, number of dependants, quality of care desired, current coverage etc.
To know more, you can mail to firstname.lastname@example.com or Call toll free – 1800 22 3435 or SMS DHFL to 56677