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The Social Security Administration can provide benefits in three distinct categories, they comprise; whenever you retire, in the event you become disabled, and finally once you perish. Information about Social Security benefits can be seen on the Social Security Administration's website. The era to get full retirement benefits was 65 for a lot of decades now yet for people born after 1938 it is gradually rising until it reaches the age of 67 for individuals born after 1959. An individual can start receiving retirement benefits as early as age 62, nevertheless if somebody decides to receive benefits starting at age 62 subsequently their benefits are paid off a portion of a percentage for each month before your full retirement age. To discover how much a person could lose if they retire at age 62 that you may visit the social security web site. An individual has the decision to retire between age 62 and the complete retirement age.
For the calendar year 2007 an โรงพยาบาลนวมินทร์ individual receives one credit for $1,000 of earnings, up to the maximum of 4 credits each year. Annually the number of earnings necessary to receive credits rises slightly while the normal earnings level increases. The credits earned remain on the person's Social Security list even though they change jobs or are without earnings for a little while. There are special rules which apply for Social Security policy for several kinds of work.
When someone is self-employed then they get exactly the same amount of credits as employees nevertheless special rules apply whenever they have earnings of less than $400. For individuals in the military they earn credits the identical way civilians do nevertheless there is the opportunity to get additional credits under certain problems. There are also special rules that apply to individuals who have occupations that include; national work, farm work or people that work for your own church or church-controlled organizations that don't pay Social Security taxes.
Additionally, there are kinds of work that do not count toward Social Security. The others who are influenced by this are railroad workers that have 10 or more decades of service. Employees of some state and local authorities decided not to engage in Social Security also don't qualify and ultimately kids younger than age of 21 who perform household chores to get a parent's. A person may also decide to postpone retirement benefits. If this really is true their benefits will likely be increased by a certain percentage depending on the season they were created and the growth will be added automatically from the period that they reach full retirement age until the time they decide to retire or until they reach age 70, whichever comes first. One last thing to consider about retirement benefits is when a person works and has benefits. An individuals earnings in or after the month they reach full retirement age will not reduce their Social Security benefits nevertheless their benefits will be lowered when their earnings exceed certain limits for the weeks until they reach full retirement .
If an individual works and starts receiving benefits before full retirement age then $1 in benefits will be deducted for each $2 in earnings they have above the annual limit. In 2007 the limitation is $12,960. At the season that the patient reaches retirement age then their benefits will likely be reduced $1 for every $3 they get over a different annual limit, for 2007 its $34,440, until the month that they reach their whole retirement . Once the average person reaches their whole retirement age they are able to keep working and their Social Security benefits will not be reduced regardless of how much they get.
The Social Security Administration pays disability benefits in two unique methods, one being throughout the Social Security disability program insurance, even the 2nd one is through the Supplemental Security Income (SSI) program. To get information concerning the SSI disabilities program please click on the link provided. Social Security pays benefits to those who can't work since they will have a medical condition that is expected to survive at least 12 months or result in passing. The national law requires such strict definition of handicap, though some other programs supply individuals benefits who have a partial-disability or have short term disability, Social Security doesn't. Someone must meet certain revenue prerequisites so as to be eligible for benefits. Individuals must meet two different earnings tests to qualify for disability benefits. The first test is just a"recent work" evaluation which is on the basis of somebody's age at the time that they had been disabled and the second evaluation a"duration of work" test to prove which they worked under Social Security. Someone should submit an application for disability benefits after they become disabled as it can have quite a very long time for you to process the application for disability benefits. It typically takes approximately less than six weeks. After the application is sent that the Social Security Administration may review their application and be certain they meet some fundamental requirements for benefits such as for example whether or not they worked enough to be eligible and they are going to evaluate any present work tasks. If those conditions are met they then will then ship your application to the Disability Determination Services office in their state. This agency makes the decision for the SSAthey use their health practitioners and disability specialists to ask their doctor information about their illness, all truth within their case will be contemplated. Additionally they will use evidence from any clinic, doctor's office, clinics or associations which the patient was treated as a way to acquire all other information.
Individuals usually just consider Social Security as lending retirement benefits however some of their Social Security taxes which individuals pay go towards providing survivors insurance for workers and their families. The worthiness of these survivors insurance that the average person has under Social Security is probably more than the worthiness of their individual life insurance. As a person works and pays Social Security taxes they earn credits in their Social Security benefits. The amount of years and individual should work depends on age of the average person if they expire. The younger a man is that the fewer the years they will need to have worked, but nobody should work more than 10 years in order to be qualified to receive Social Security benefits. Under a special rule in case an individual has only worked for a yr and a half at the 3 years just before departure, benefits could be paid to individuals and their spouses who are looking after those kids. People people who are eligible for survivor's benefits consist of; the patient's widow/widower in the age 65 if they were created before January 1, 1940 or at age 67. Reduced widow benefits could be obtained as early as age 60. The patient's widow or widower can receive benefits at any stage if he/she deals with their child who is eligible to a kid's benefit and can be age 16 or younger or who's disabled. An person's unmarried children that are under age 18 or 19 if they're attending elementary or secondary education full time. Their kids can get benefits at any point if they have been disabled before age 22 and remain disabled. Under certain cases benefits might also be paid to stepchildren, grandchildren, or adopted children. Dependent parents may also receive benefits when they're 62 or older. If someone was divorced their former spouse is eligible when they are 60 and older and if their marriage lasted more than ten years. If a person's former spouse doesn't meet age requirement or length-of-marriage condition but are looking after his/her child below the age of 16 that they may still be eligible.


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Announcements: UPDATE!!!
Updated tournament schedule:
Searcy County/Marshall - Jan 11th Elementary & Middle School with HS individuals
Bentonville - January 18th All Divisions
Jasper - January 25th signup sheet will be available
Alpena - February 1st Middle/High School with Elementary signup
Regionals - @ Bergman February 8th. Top 24 shooters from each division throughout the season will participate. Teams be announced following Alpena tournament.
Again, we will need volunteers to assist us in hosting the Regional ANASP tournament. Scorers, concessions, range officials, admissions, and runners.
2019-20 Season starts October 8th 6-8:30pm
Archery Camp 4-6th grade September 25-27th, 3:30-5:30 P.E. Bldg. This is Mandatory for anyone who has NOT been thru the program. Cost is $50 (includes membership)
7-12th grade New Archers will practice starting October 1st & 3rd @6:00pm.
Archery Club yearly dues are $30. Signups will be handed out in September.
State Tournament – March 6-7th @ Hot Springs Convention Center
Here are your Coaches names, divisions & practice times;
Jason King (Elementary 4-5th grade) Tues/Thur nights 6-6:45pm
Carla Jackson (Middle School 6-8th grade) Tues/Thur 6:45-7:30pm
Lorne Jackson (High School 9-12th grade) Tues/Thur 7:30-8:15pm
If you have any questions regarding the Archery Program, please contact a Divisional Coach.
Divisional Assistant Coaches
(HS) Jadon King
(MS) Jamie Keys, Bethany Roberts
(EL) Stuart Roberts, Ryan King
Shooting Sports Advisor/Head Coach
Jason "Sarge" King (870) 416-4130, firstname.lastname@example.com
About Us
Bergman School & the Bergman Shooting Sports are proud to be apart of the Arkansas National Archery in the Schools Program (ANASP). 3 Divisional Teams (ELE, MS, HS) Bergman has been a Top 10 Archery School for the past 10yrs. With over 150 student archers participating annually. Bergmans Teams have competed in 4 National Tournaments. Bergman Archery was also instumental in setting a New Guinness World Records (2013) as the Worlds Largest Indoor Archery Tournament. This program is sponsored in part by the Arkansas Game and Fish Commission.
Upcoming tournaments can be found at the NASP Tournament site: http://www.nasptournaments.org/default.aspx
Arkansas State Tournament
Check out scores and schedules at Arkansas Game and Fish Commission website: https://webapps.agfc.com/anasp/
Desire, Dedication, and Discipline leads to Courtesy, Integrity, Perserverance, Self Control, Teamwork & Victory!!!
Follow us at: Bergman Shooting Sports https://www.bergmanshootingsports.org
& Facebook: Bergman Archery
2019-20 School Year Changes
$30 yearly dues (per person) when involved in afterschool program
Must participate in 1 tournament, 2 fundraisers & minimum 10 practices to be considered for the Competition Teams

subset: commoncrawl


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East Sussex
(+44) 7927 023064
East Sussex
(+44) 7927 023064
I have been in the counselling/psychotherapy profession for 25 years. As an experienced counsellor and group-analytic psychotherapist, I provide a professional counselling and psychotherapy service for adults, adolescents and couples both in 1:1 work and in groups. I offer supervision to counsellors and psychotherapists and consultation/staff support groups to teams and organisations.
Group Therapy can provide support and powerful insight for those seeking help in understanding the dynamics of relationships. Maybe you are struggling at work with your colleagues or your boss? Maybe there are difficulties in communicating with your partner?
Maybe you have difficulty in making and keeping friendships?
I am a qualified and experienced psychodynamic counsellor, group-analytic psychotherapist and supervisor. I have worked in many settings including a Child and Family Mental Health Team for over 10 years, where I specialised in working with parents both individually and in groups. I have set up and run separate Emotional Health and Wellbeing groups for men and women. I have extensive knowledge and experience of working with survivors of child sexual abuse, domestic violence/abuse and parents who have had their children removed into the care system. I have considerable experience of working with families in crisis and adoptive families who are experiencing difficulties.
Short term individual counselling/psychotherapy £45/50 per session
Long term individual counselling/psychotherapy £40/50 per session
Couple therapy £50 per session
Group Therapy £30 per session
I have a consulting room in Battle and Tunbridge Wells. Both locations have parking facilities nearby and good public transport links.
|Online counselling:
|Telephone counselling:
|Face to face counselling:
|Home visits:
|Sign language:
|Other languages:


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Eyes on Africa is becoming Eyes on Adventure and adding exciting new destinations - new and expanded website coming soon!
India, Madagascar, Ecuador, Peru, Brazil, Costa Rica, Galápagos, Pantanal and Amazon.
to Map of
View images of Meno A Kwena: Meno A Kwena
Meno A Kwena Rates: Meno A Kwena Camp
Meno A Kwena
The camp is located on the western boundary of Makgadikgadi Pans National Park (MPNP), near Moreomaoto Village, in Central Ngwato Tribal District. We are ideally located with access to MPNP, NPNP (Nxai Pan National Park) & Central Kalahari Game Reserve (CKGR).
The Boteti river is now flowing, carrying Okavango Delta overflow through Meno A Kwena, all the way to Lake Xau near Mopipi and the saltpans. This natural phenomenon occurs every 40 year cycle when we experience higher than average rainfall in the region.
For images of Meno A Kwena click Meno A Kwena
The canvas tented safari camp accommodates up to 16 people in 6 twin and 2 double tents. The camp is ideally located in full view of wildlife activity at the river in front of camp. Southern Africa's largest zebra and wildebeest migration concentrates at the river during the weather-permitting dry season (June to November).
Each fully serviced tent has its own private semi en suite bathroom with flush toilet and bucket authentic shower. The emphasis of the camp accommodation layout is to maximise the extraordinary views over the river and national park.
We provide extra bedrolls & bow tents for family groups, children under 12 years by special request.
Carbon Footprint
Our safari operation maintains a high standard of eco-tourism based on minimal negative impact on the environment with maximised benefits to the country – people, wildlife and the environment. We have implemented and are developing solar power, recycling and water conservation projects.
Walking Safaris
This guided activity is offered to all our fully inclusive guests and is designed to excite and educate on flora & fauna subjects. We are the first safari operator to be given permits to operate walking safaris in Makgadikgadi Pans National Park directly from camp that requires a short canoe crossing.
These 'passive' nature walks led by an unarmed guide and accompanied by a group of Naro Bushmen, the emphasis is on a walking experience as done by these rare and fascinating hunter gatherers.
Safety is always a major consideration which is why we operate passive walks with trained guides carrying satellite phone, basic medical supplies and non lethal weapons of discouragement.
Half Day Game Drives
All our fully inclusive guests are offered morning/afternoon 4X4 guided game drives into Makgadikgadi Pans National Park through Khumaga entry gate 30 minutes drive from camp. This requires crossing the river on a small ferry. These half day trips average about 4-5 hours. Early morning drives are provided with a continental picnic bush breakfast.
Dry Season Day Trips (Approx' June-November)
Access into Makgadikgadi Pans National Park and Nxai Pan National Park via Khumaga, and day trip safaris provided with picnic lunch. For guests booked two nights it is recommended we explore along the Boteti River for most productive wildlife viewing opportunities. For guests booked three nights & on request we will plan one day exploring into the saltpans.
Green Season Day Trips (Approx' November-May)
Access into Makgadikgadi Pans National Park & Nxai Pan National Park via Khumaga, and day trip safaris provided with picnic lunch.
It is recommended at least three nights booked to fully experience this area at its most productive. Day trips during the green season are weather permitting that also influences access to the saltpans during the rainy season. Green season day trips to experience the migration concentrated in their breeding range around the saltpans in Makgadikgadi Pans National Park &Nxai Pan National Park.
Boteti River Wildlife (SEASONAL & RESIDENT)
Seasonal (migratory) wildlife concentrations from June to November, (weather permitting), includes – 20 000 to 30 000 Zebra & wildebeest migration, buffalo, migratory birdlife.
Resident wildlife all year round includes – elephant, white rhino, hippo, giraffe, lion, leopard, hyaena, cheetah, wild dog, jackal, kudu, impala, steenbok, duiker, crocodile, warthog, porcupine, badger, small mammal varieties & riverine birdlife.
Saltpans Wildlife (SEASONAL & RESIDENT)
Seasonal (migratory) wildlife concentrations from November to June (weather permitting), includes – 20 000 to 30 000 Zebra & wildebeest migration, buffalo, elephant breeding herds, breeding flamingo & other migratory birdlife.
Resident wildlife all year round includes – elephant, giraffe, lion, leopard, hyaena, cheetah, wild dog, bat-eared fox, jackal, oryx, springbok, kudu, impala, steenbok, duiker, meerkats, porcupine, badger, small mammal varieties, ostrich & desert-adapted birdlife.
Zebra & Wildebeest Migration
Southern Africa's largest zebra & wildebeest migration occurs all year round including the Permanent Okavango drainage system (including Boteti) in the dry season (Jun-Oct) and the seasonally wet saltpans in the green season. The migration travels to the saltpans for the mineral rich grazing when rain water is available for their breeding season (Nov-May).
White Rhino
The first white rhino arrived in 2008, two females from the Okavango Delta with the Boteti flood. A male was introduced from Khama Rhino Sanctuary to start a breeding nucleus and since another female has arrived. These threatened and rare animals are resident in the Boteti area and due to their territorial behaviour are relatively easy to find. This means we are potentially located in a "big five" area! Please do note that publicising rhino viewing adds to the threat of poaching so to be aware of this irony!
Cultural experience
We maximise community involvement and benefits from our sustainable tourism operations that ultimately secures a future for wildlife & their environment. The proximity of camp to rural communities allows us to offer guests exposure to fascinating traditional Batswana cultural experiences in and around camp.
Activities include walks through Moreomaoto Village, meeting the chief and community leaders, traditional healers, the primary school and Meno A Kwena traditional farms. We are patrons of Moreomaoto Primary School, involving their traditional music and dance group in our tourism activities enjoyed by our guests.
Conservation Safaris (proposed)
We have initiated development of this proposed two week safari option for guests who are interested in combining safaris with hands-on wildlife conservation & community involvement projects. The concept originates from the need for tourism involvement in wildlife conservation.
Top Return
to Map of
/ Land Activity Table for Botswana camps: Water/Land
Times between Botswana camps: Fly
Times Botswana
further information about the Makgadikgadi Pans, click More
further information about Botswana, click More


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Lucas Valdez
- Forever Age:
- 16; Lucas passed away in February 2019
- Home State:
- Wisconsin
- Diagnosis Date:
- January 25, 2007
- MPS/Sanfilippo Type:
- Parents:
- Jill and Chris
- Siblings:
- Logan
What it felt like when we learned our child has Sanfilippo Syndrome…
What our child loves this most is…
Social situations…he just loves being around other people.
How has Sanfilippo affected our child?
Lucas was an energetic, happy, boy. Now he can no longer walk, talk, or eat. Sanfilippo has robbed him of the most basic skills yet he still continues to smile.
How has Sanfilippo affected our entire family?
We don't get to do things like other families do, but we try to be as active as we can. We live WITH Sanfilippo but not FOR Sanfilippo.
The hardest part of being a Sanfilippo parent is …
Watching my child slowly fade away.
The biggest misconception people have about being a Sanfilippo parent is…
..That we don't want to be invited to activities that other families are doing.
If we could ask just one thing from the world/people, it would be…
Please don't stare at my child.
Why are we asking you to donate to Cure Sanfilippo Foundation?
Every parent's nightmare is to bury their child. We don't want that nightmare to become a reality for our family or others.


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Sorry to mention it,Hopefully you either used a credit card, or paypal, or plimus. All of these types of payment processors are very good at getting your money back to you in fraud cases. It is a bit of a pain in, but if you kept all your records, your will be able to get your money back and the seller will have to deal with the big corporation from then on.
but you are completely wrong about credit card and paypal.
( plimus is different but the scammer sold the useless 2%dailyEA via paypal only)
I paid with paypal and on the paypal - payment site with the attached Visa Credit Card.
Swaby refused to honor his 100%satisfaction and money-back guarantee as usual.
Visa refused to give the 500 Dollars back. I tried 3 times with all documentation from which everybody can see that Swaby is a fraudster, but Visa officials wrote me that according to their policy, the payments are final.
They defend the scammer and don´t help the victim.
The same applies to Paypal.
They will not help you. You can present them as much evidence as you want.
I have personal experience in another case with them.
They support only the thief and refuse to help the victim.
Swaby knows this and bragged with it to another victim.
The only reason why Swaby refunded my 500 Dollars was ForexPeaceArmy with this traders court.
At that time he decided that he rather would not destroy his reputation completely and only because of the immense pressure he paid.
Since then he decided that FPA does not matter and he will ignore court cases.
The only cure for this scammer is the police and a judge.
I hope that at least one victim will take the hassle and act accordingly.


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Buffet Dinners
Plated Dinners
Banquet Dessert Menu
*18% gratuity added to all caterings**Individual Appetizer pricing does not include any gratuity*
Fajita chicken, peppers, onion, Cheddar and Monterey Jack in a crispy eggroll wrapper with southwest aioli to dip. $1.75 each
Whole poached salmon with flavored cream cheese and assorted crackers.
1/2 ounce meatballs in a stroganoff style sauce. $85.00 for 160 meatballs | $125.00 for 320 meatballs
Boneless chicken bites tossed in your choice of sauce (Buffalo, Teriyaki or Honey Cajun).10 pounds for $95.00.
Cream cheese on toasted baguette French bread- $1.00 each.Smoked salmon canapes with dill cream cheese- $1.50 each. Smoked Brisket canape with sundried tomato cream cheese- $1.75 each.
Market value
with flatbread crackers and crostini- $75.00 for Half pan | $120.00 for full pan
2 pound wheel of brie cheese paired with sundried tomato pesto in flaky puff pastry. Served with flatbread crackers and crostini $75.00 a wheel.
2 ounces of chicken on a bamboo skewer and glazed with a peanut sate sauce. $1.50 each
2 ounces of tenderloin steak with a light teriyaki sauce. $2.50 each.
Green beans in a light tempura and fried crisp. $75.00 for 5.
Sautéed shrimp in a light coconut red curry sauce served over jasmine rice $4.00 per person. (About 5 shrimp per person)
French baguettes with sundried tomato pesto, Italian cheese blend, fresh basil and thinly sliced prosciutto. $1.75 each piece. Must be in increments of 5.
Sausage, prosciutto and pepperoni rolled in an Italian bread dough with Asiago, Romano and Parmesan cheese. Baked and served with marinara. A loaf (served at room temperature).
cheese tortellini, poached shrimp, broccoli, bell peppers, black olives, Italian/Caesar dressing with Asiago, Romano and Parmesan. -$75.00 a bowl. (About 6#)
18% Gratuity on all caterings One Meat: $26 Two Meat: $29 Three Meat: $31 *Per person price does not include gratuity*
Grilled Salmon, Chicken Parmesan, Apricot Glazed Ham, Braised Short Ribs, Roast Turkey, Beef Tips W/ Rice, Stuffed Sicilian Chicken, London Broil w/ Hunter Sauce, Pork Tenderloin, Chicken Saltimbocca, Baked Cod (breaded), Chicken Cordon Bleu, Chicken & Waffle w/ Maple Glaze. Slow Roasted Prime Rib – Add $3.00 more
Green Bean Almandine, Vegetable Medley, Broccoli & Red Pepper, Root Vegetable Medley.
Caesar, Garden, Spinach, Pasta, and Potato
Roasted Red Potato, Roasted Garlic Mashed, Baked, Wild Rice Pilaf, and Baked Macaroni & Cheese
Smores Bar, Carrot Cake, Cappuccino Brownie, Turtle brownie, Mini Cheesecake Bites Peanut Butter, and Peanut Butter Swirl Brownie
All plated dinners come with soup or salad and a homemade dinner roll 18% Gratuity on all caterings.
Braised CAB short ribs served over roasted red skin mashed potatoes topped with a Red wine brandy demi-glace and served with grilled asparagus.
Marinated flank steak cooked medium, thin sliced and served over potato cakes and topped with a mild chimichurri sauce. Comes with green beans and red pepper.
Porterhouse Pork Chop stuffed with an Apple cornbread stuffing and slow roasted. Topped with a light pork demi-glace. Served with a roasted redskin potato and seasonal vegetables.
A 14-ounce cut of slow roasted Prime Rib served with creamy horseradish, au jus, roasted red potatoes and seasonal vegetable.
Two 5-ounce farm raised duck breast cooked medium and paired with a Blackberry Habanero glaze. Served with a wild rice pilaf and seasonal vegetables Chicken & Waffles - 23 Belgian style waffle topped with a crispy buttermilk breaded chicken breast with a hint of cayenne and drizzled with a maple glaze.
Belgian style waffle topped with a crispy buttermilk breaded chicken breast with a hint of cayenne and drizzled with a maple glaze.
(Boneless breast with Wing section attached) Airline chicken breast dusted in flour, seared and baked. Served over redskin mashed potatoes and paired with a Forest mushroom demi-glace. Served with grilled asparagus.
8-ounce filet of Alaskan Cod baked with white wine, lemon and butter. Served over jasmine rice and topped with a Coconut red curry sauce. Comes with broccoli and red pepper.
8-ounce wild caught Sockeye Salmon baked medium and glazed with a Tomato Red Curry & Saffron broth. Served with a wild rice pilaf and seasonal vegetable.
8 ounce Mahi Mahi baked with a Japanese shiitake jalapeno ponzu sauce (Japanese citrus sauce made with Saki). Served over jasmine rice and comes with pickled ginger and Asian inspired vegetable blend.
5 jumbo shrimp sautéed with sundried tomatoes, artichoke hearts and Kalamata olives. Finished with sweet vermouth and whole butter. Served with rosemary roasted red potatoes and grilled asparagus.
$6 per person Choose 2 (will prepare ½ & ½
with mint frosting


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Intro to Weaving
Explore one of fiber art's most popular methods, weaving! Learn the basics of weaving techniques to create small pouches, jewelry, and bowls. As your knowledge and skills expand, learn how to construct different types of looms and a tapestry. You'll learn how different yarn and fabric, textures, and beads can alter your work's appearance.
When this is offered
Week 3 (June 29 - July 03)
Date: June 29, 2020 - July 3, 2020
Time: 9:00 am - 3:30 pm
Age Group: 11-13
Level: All
Cost: Members: $285 | Non-Members: $310


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What do empty thoughts look like? According to the artist Gustav Metzger, they look like the weird blobby object above. Metzger hooked up his brain to a robotic sculpting machine that carved away at a piece of Portland Stone based on the stimuli it received from Metzger's EEG readings as he tried to think of nothing at all. Titled "Null Object," the work is now on display at London's Work Gallery.
In other words, this is Gustav Metzger's Stay Puft Marshmallow Man, empirical proof that even when we try our hardest to think of nothing, there's always something going on up there.


text:
Get 500+ new jobs. Download WorkIndia App.Download
Counter Sales
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Bake Station
Rs. 5000 - Rs. 6000
10th Pass / Female Only
Speak Thoda English
Posted on: 7/11/2019
Job Info
Sales Functions Aur Customer Manage Karna, Problem Solve Karna, Query Answer Karna. ....
Job Timings
9:30 am - 6:30pm | Monday to Saturday
Interview Timings
11:00 am - 4:00pm | Monday to Saturday
Job Address
Erandwane Near Khs College
Interview Address
Erandwane Near Khs College
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Region: Cederberg
Cederberg wines are produced by South Africa's most uniquely situated wine farm boasting the Cape's highest lying vineyards. The farm is situated in the Cederberg Wilderness Area, and falls within the Cape "fynbos" region – one of the worlds' six floral kingdoms. The cellar has leaped into prominence on the South African wine scene with an impressive repertoire of awards, including the coveted Veritas Double Gold medal – South Africa's top wine accolade
Tasting notes
A complex Shiraz filled with intense red fruit, mulberry and cherries on the nose. Well-balanced with elegant oaking expressing hints of sweet spice and vanilla. Red berries follow through on the palate and finishes off with a smooth lingering sensation. A well-crafted Shiraz that allows you to cellar the wine for a few years developing into a sensational wine. Pair with South African game, powerful cheeses such as young cheddar or gruyere or indulge by pairing with intricate dark bitter chocolate.
Food pairing
Delicious with a flame grilled rack of lamb.


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Basel III, Leverage and the Hedge Fund-Prime Broker Relationship through 2014 and Beyond
By: J.P. Morgan
The financial services industry has reached an inflection point of important structural change with significant implications for prime brokers and hedge funds alike. This change has not been introduced in isolation: in an effort to avoid the possibility of a repeat of the financial crisis of 2008, global regulators and lawmakers have embarked on the most substantial regulatory overhaul of the financial industry since the Great Depression. The regulatory drive has focused on reducing systemic risk in the banking industry, in particular centering on a more rigorous approach to asset and liability management and a meaningful reduction in leverage. These changes, which are still running their course, have already contributed to a dramatic strengthening of bank balance sheets globally. At the same time, the financial industry as a whole has yet to feel the full impact of these regulatory changes as final rules and the related impacts of implementation are still evolving in many cases. Without question, these regulatory measures have, and will continue to have, a significant impact on banks and force changes in the way trading and prime brokerage desks are operated.
Although these measures impact the banking community directly, their repercussions will be felt throughout the network of market and counterparty relationships which make up the global financial system. Hedge funds need to consider these critical drivers of change affecting their prime brokers in order to better understand how to adapt to the evolving business environment.
This paper seeks to provide an overview of the key drivers of change, explore their potential impact on bank behavior and pose questions for hedge fund managers to consider as they evaluate their prime broker relationships going forward.
Read the online white paper: Potential Implications for Hedge Fund Managers
NEW YORK, LONDON AND HONG KONG, Oct. 3, 2019 – Hazeltree, the leading provider of integrated treasury management and portfolio finance solutions, announced today that it has acquired ENSO Financial Analytics (ENSO), a leading provider of portfolio analytics for hedge funds and prime brokers, previously owned by CME Group Inc. (Nasdaq: CME). This acquisition solidifies Hazeltree's position as the leader in treasury and portfolio finance solutions. IHS Markit (NYSE: INFO), a world leader in critical information, analytics and solutions, participated in the investment, alongside existing investors. Read More
Global Custodian – Hedge Fund Annual – Strategy Games Traditional COO and CFO roles at alternative investment managers no longer exist, as they are now required to be technology, compliance and investor relations experts. ENSO's Paul Busby and Ted O'Connor discuss the changing landscape and highlight new trends that are empowering these COO's to adapt.... Read More
Commentary from ENSO, HedgeMark and Man FRM A decade since the financial crisis empowered managed accounts as the institutional go-to structure for transparency, liquidity and control of hedge fund strategies, assetson dedicated platforms continue to grow, driven by convergence, customisation and soon socially conscious investing. Unlike fund administrators, custodians or prime brokers that offer a... Read More


text: Allegory refers to one type of narrative that can be interpreted to reveal an additional layer of pragmatic, metaphorical meaning beyond what appears on the surface. For example, the poem, "Diving into the Wreck," by Adrienne Rich, describes a scuba diver going down to explore a wrecked ship. Although the poem describes diverse, specific actions, it also invites an allegorical interpretation in which the investigation of a wrecked ship symbolically represents one person's look back at a past, failed, romantic relationship, among other possibilities. We investigated whether ordinary readers are capable of inferring allegorical messages when reading Rich's poem. Three studies prompted participants to read the poem in a literal way (as though the poem is about scuba diving), in a metaphorical way (as though the poem is about a failed relationship), or with no guidance or prompt (control condition). Participants were randomly placed in one of these three groups. After reading the poem, each participant wrote their interpretation of the poem. An analysis of participants' protocols revealed a strong tendency to interpret the poem allegorically, even whenthey were strongly pushed to think about it in purely literal terms. Interpreting allegory also involves embodied simulation processes in which readers engage in the actions mentioned in the language. These findings support the idea that people possess an "allegorical impulse" in which they routinely interpret many human actions and events as referring to broader, symbolic allegorical themes.


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Always On
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Help…I am not attracted to my boyfriend any more. What should I do?
Let's say you've been with this guy for a rather long period of time. Everything is going GREAT, but you find yourself no longer being
Lifestyle , Love Tips, Relationships
Let's say you've been with this guy for a rather long period of time. Everything is going GREAT, but you find yourself no longer being
Living with a roommate or housemate can be particularly challenging at times, since each person has his own habits, which somebody else may find bothersome.
Breaking up with somebody with whom you've shared a bed and a range of emotions is certainly very difficult, and regardless of the reason, you
Wouldn't it be nice to know if the person you were interested in would ever cheat on you? Say there were an augmented reality app
Reading is one of the most popular hobbies. It is relaxing and educating at the same time. It lets you experience adventures without leaving your
According to psychologist and researcher Judith Wallerstein, "the highest impact of divorce on children comes 15-25 years AFTER the divorce, when the children enter into
Do you ever find yourself at a bar, standing around alone wishing you could approach that cute girl? Or maybe you're at a networking event
Getting over a long term relationship can be a real struggle. You thought this special someone in your life- whom you've been dating for years-
Recently, I was going through the newsletter archive of my friend Christian Carter, who as you know, is one of the leading experts in dating
How like-able you are depends on you. There are plenty of hints and tips to help you become interesting for others. If you are a


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Simmons has served as the meteorologist year of the Board, and has likewise contributed a most valuable paper upon illuminating oils. The status and work of the society still remaining unsatisfactory, the investigation jumeaux The Greene County Medical Society. Recognizing my patients as having their idiosyncrasies, and each individual as a microcosm, the endeavor is to treat quetiapine the symptoms as they so present themselves, influenced by their own peculiarities. Bran bread is hardly admissible when there is a tendency to dianhflea, but may be tisefal in constipatina Almond cakes were first introduced by Dr: 50mg. Zoloft - this form of atrophy is not preceded by effusion, nor is it attended by any marked decrease in the calibre of the central vessels of the retina, even when the capillary circulation of the disc has almost wholly disappeared.
During this period the upper extremities grew weaker, and similarly to the lower limbs contractures gradually developed.
It is serviceable in certain neuroses, as chorea and neuralgia; therefore in skin diseases with neurotic dosage elements; it possesses anti- malarial properties, and is consequently serviceable in diseaaes of the skin showing periodic symptoms, as intermittent urticaria, etc. A tube made from a hard rubber Eustachian catheter was then inserted into antrum through this artificial qds opening.
Gentle massage of the skin is indicated, however, where there is the least sign of oedematous swelling and it is, thus, possible to keep up the nutrition of the part and hasten healing.
In such cases, in which the portal system is usually congested, sulphate of nuignesia bula and dilute sulphnric acid may be combined with the digitalis, and given every four or six hours for a couple of days or so.
The extreme stage may be reached in a week or ten days, 25 but a longer time usually elapses before all the sloughs are separated. Such cases are frequently syphilitic, and, unless the absorption of the oifusion should be quickly brought about by treatment, its contraction, like that of the changes: tablets. The tir.st year the work of the committee was fairly successful. As review an illustration, take the last report of the"Michigan State Coloring seemed best to them. In this case the walls of some of the collecting tubules stained so darkly with iodine as to suggest an amyloid reaction, a shghter degree of the change being also noted in the glomeruh. The House of Delegates passed the increasingly appreciated by the public, it is recommended by the Council on Health and Public Instruction that the House of Delegates authorize the council to prepare suitable forms for such examinations, and to publish them in the journal of the American Medical Association: and that the county medical societies be encouraged to make public declaration that their members are prepared and ready to conduct such examinations, it being understood that the indigent only shall be examined free of charge, and that all others are expected to pay for Suggested forms and methods of procedure have been prepared by the Association, and physicians can secure these at a nominal expense by writing to the All medical men who desire appointment as officers in the Officers Reserve Corps are now eligible, subject to the usual physical examination.
It is more an abnormal condition than a true disease. These headaches can always be brought on by eye use: reviews.
She was completely aphasic and extremely years drowsy. Frei, has on many occasions convinced himself of the prompt and efficient action exerted by clay in cases of diarrhoea, both in adults and in children, and has been particularly struck with the success which he met with in a grave case of tropical dysentery by means of the treatment! The patient was a woman, thirty-two years old, who contracted the dysentery six months before she came under his care, during a sojourn in Egypt. But in the later stages no large enema should ever be administered, and even in small quantities the pain and distress are often aggravated by their use (xanax). Medical supervision will always be insufficient. Some of them are still scrupulously taught to students, and particularly to the pupils in nurses' training schools. Used - it is at the bulbomembranous junction, from five to six inches down, that we are most likely to have an instrument arrested. It has been auggestea that in some cases of the gouty diathefiis the kidneys are congenitally small, and therefore cannot properly excrete even a high normal quantity of uric acid, but especially any exceaa of this substance. Besides this other fluids should be forced, and between five and ten quarts of water should be taken in this period. The Achilles is not permanently aft'ected by previous toxic states, as for instance, diphtheria. In the latter case only is the term' zinc hsemorrhnge' distinction, however, is not always carefully observed; and such expressions as' cerebral htemorrhage,'' haemorrhage into tho pericardium,' and due to a solution of continuity of some part of the circulatory system, whether by injury or by disease.
Stress Management Tips Help You Cope Better
People everywhere will, at some point in their lives, deal with stress either in their personal life or on the job. In today`s society, stress has become a very common problem and instead of reaching for medication, there are several stress management
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If you've been thinking about getting a robot vacuum, today's a good chance. The iRobot Roomba 650 is one of the most popular models because it not only has the iconic brand name but is also reasonably priced and does a solid job at keeping your home tidy between deep cleanings. Right now, you can get a Certified Refurbished model for $190, about 20% off and the lowest price we've ever seen by a large margin.
In response to criticism that Amazon doesn't pay its workers a livable wage, Jeff Bezos announced beginning November 1, 2018, all U.S. and U.K. Amazon employees will earn a $15 an hour minimum wage.[197] Amazon will also lobby to make $15 an hour the federal minimum wage.[198] At the same time, Amazon also eliminated stock awards and bonuses for hourly employees.[199]
Today only, at Hanes, buy one select item and get a second item of equal or lesser value for free during its Fall for Comfort Sale. Plus, bag a Hanes Men's X-Temp Performance Cool Boxer Brief for free. (You'll need to add this item to cart; it usually costs $10.) Even better, all orders receive free shipping. (Shipping normally adds $8.99 for all orders under $60.) That's tied with yesterday's now-expired offer as the first time we've seen a BOGO offer combined with a free item and free shipping in the last year.
Amazon.com's product lines available at its website include several media (books, DVDs, music CDs, videotapes and software), apparel, baby products, consumer electronics, beauty products, gourmet food, groceries, health and personal-care items, industrial & scientific supplies, kitchen items, jewelry, watches, lawn and garden items, musical instruments, sporting goods, tools, automotive items and toys & games.[citation needed]
This Bosch 34-Piece Drill and Drive Bit Set includes a wide variety of both driver bits and drill bits as well as a selection of accessories to help assist in a number of drilling and fastening applications. It's on sale at Amazon for $7.48 and ships free for Prime members. It sells for a few dollars more at Home Depot. Note, this item won't ship for 1 to 4 weeks. More Info »
Throughout the store there are features like "Most-Wished-For," a collection of products that are most added to Amazon.com Wish Lists; "Trending Around NYC," hot products that NYC-area customers are buying on Amazon.com; "Frequently Bought Together"; and "Amazon Exclusives." These features, along with customer review cards with quotes from actual customer reviews, make it fun and easy to shop.


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Putting Your House Into A Trust
The Pros And Cons Explained
Living Trust Frequently Asked Questions
Over the past decade at Rochester Law Center, we've helped 1,000s of clients Estate Plan. Some of the most common questions we get asked are about Living Trusts.
In this article, we're going to cover some of the pros and cons of putting your house into a Trust. Additionally, we're going to answer some common questions about how to put your house into a Trust, who owns your house after it's in a Living Trust, and what you can and can't do with your property.
Advantages Of Putting Your House Into A Trust
Avoid Probate
The biggest advantage of putting a house in a Trust is that, unlike a Last Will and Testament, a Living Trust allows you to avoid Probate Court. There are three main reasons why this is important.
First, Probate can be very expensive.
Probate is the legal process through which the court ensures that, when you die, your debts are paid and your assets are distributed according to Michigan law.
Legal fees, executor fees, inventory fees (county taxes), and other costs have to be paid before your assets can be fully distributed to your heirs.
If you own property in other states, your family could face multiple Probates, each one according to the laws in that state.
We usually expect about 10% of your Estate to be eaten up in Probate court through legal fees, inventory fees, court costs etc.
For smaller estates, the percentage can be much larger – sometimes leaving little behind for your loved ones.
These costs can vary widely, but we've had clients who had to pay tens of thousands of dollars throughout the Probate process.
In general, Probate is much, much more expensive than doing some simple Estate Planning in advance.
Second, Probate can take a long time.
In Michigan, the standard probate process takes a minimum of 5 months to complete.
However, over the past decade we've experienced that it generally takes 9 months to a year to resolve simple cases (and several years for contested cases).
We once represented a client whose Probate lasted for 8 years!
Third, Probate is public.
Your family has no privacy.
Probate is a public process, so anyone can see the size of your estate (often what you actually owned), who you owed debts to, who will receive your assets, and when they will receive them.
The process invites upset heirs to contest your Will and can expose your family to greedy creditors and potential fraudsters.
Keep Your Financial Matter Private
Since there is no Probate Court process when you have a Living Trust, there is no need to make your assets public.
On the other hand, if you're house is only included in a Will, the Will's contents are made public when it is entered in Probate Court.
Since the Trust avoids Probate, the contents of the transfer stay private.
In fact, in general, the only people who will ever see the Trust, are the beneficiaries that you name.
And even then, only after you pass.
Incapacity Protection
If you become incapacitated during your life, then a Living Trust can protect your family from undergoing a conservatorship.
A conservatorship is when a court-appointed guardian is given the authority to manage an incapacitated person's financial matters for them.
This feature of a Trust is especially comforting to families in times of difficulty since they do not have to worry about going to court and requesting access to the incapacitated person's finances.
A Trust gives the family one less problem to face when someone becomes incapacitated.
If the Trust is set up as an individual Trust, then the Trustee can take over and manage the assets.
If the Trust is owned by a married couple, then the second spouse will step in as the acting Trustee.
It is also prudent to have a Durable Power of Attorney for Finances in addition to a Living Trust to grant the new acting Trustee the power to manage any property and finances outside of the Trust.
Disadvantages Of Putting Your House Into A Trust
While the benefits of putting your house into a Living Trust greatly outweigh the drawbacks, it does have some additional complexities…
Additional Paperwork
In order to make your Living Trust effective, you need to make sure that the ownership of your house is legally transferred to you as the Trustee.
Since your house has a title, you need to change the title to show that the property is now owned by the Trust.
To do this you need to prepare and sign a new deed to transfer ownership to you as trustee of the Trust.
In the end, a little bit of additional paperwork and record keeping is worth much more than the time and money that will be lost in Probate, not to mention the stress that your family will have to go through to access your assets after you pass.
Accurate Record Keeping
Once you create a Living Trust you don't need separate income tax records if you are both the Grantor and the Trustee.
Any income you receive from property that you are holding in the Trust will simply be reported on your personal tax returns.
However, if you transfer property in or out of the Trust, you need to keep accurate written records.
This isn't difficult, but it's easy to forget if it has been a few years since you created your Trust.
The advantages of putting a house into a Trust far outweigh the disadvantages. This is why it is one of the best, simplest, and most commonly used methods for avoiding financial disaster and your passing assets to your loved ones after you're gone.
Now that we have talked about some of the major pros and cons, we are going to answer some additional questions we get from clients about how to put your house into a Trust.
One of the main questions we get is…
Is It Hard To Transfer My House Into A Living Trust?
It's actually quite simple and your Trust Attorney or financial planner can help. Since your house has a title, you need to change the title to show that the property is now owned by the Trust. To do this you need to prepare and sign a new deed to transfer ownership to you as trustee of the Trust.
Are There Other Assets I Should Consider Transferring Into A Trust?
You should consider transferring any other asset that has a title: stocks, CDs, bank accounts, insurance and most investment accounts. Most Living Trusts also include jewelry, clothes, art, furniture and other assets that do not have titles. If you use the help of a Living Trust Lawyer, they will take care of this for you. Here at Rochester Law Center, we usually use a one page "assignment". Some beneficiary designations may also be changed to your Trust (for example, insurance policies. IRA, 401(k), etc. can be exceptions).
Will I Lose Control Of My House If It Is In A Trust?
Not at all, you keep full control of all of the assets in your Trust. As Trustee of your Trust, you can do anything you could do before – buy and sell assets, gift them away, mortgage them out, and you can still change or even cancel your Trust altogether. That's why it's called a Revocable Living Trust. You even file the same tax return. Nothing changes but the name on the titles.
How Do I Set Up A Living Trust?
If you'd like to set up a Living Trust, it is usually best to consult with an experienced Trust Attorney.
Over the past decade, we've helped 1,000s of clients set up all manners of Living Trusts, Wills, Powers of Attorney, and Estate Plans, and we'd be happy to answer any questions you have about Living Trusts.
Just give us a call at (248) 613-0007 to schedule your complimentary consultation.
Our 4 Step Process Makes Creating A Living Trust Simple
Request A Free Consultation
Discuss Your Situation With An Attorney On The Phone
We'll Create A Plan Based On Your Unique Goals
Work With Us To Complete Your Living Trust
Schedule a free consultation with an experienced Living Trust Attorney today! Call us now at (248) 613-0007
Phone and Web Meetings Available So You Don't Need To Travel
Reserve Your Free Consultation Today
Written By Chris Atallah - Founder, Rochester Law Center, PLLC
Written By Chris Atallah - Founder, Rochester Law Center, PLLC
Chris Atallah is a licensed Michigan Attorney and the author of "The Ultimate Guide to Wills & Trusts – Estate Planning for Michigan Families". Over that past decade, Chris has helped 1,000s of Michigan families and businesses secure their futures in all matters of Wills, Trusts, and Estate Planning. He has taught dozens of seminars across the State of Michigan on such topics as avoiding the death tax, protecting minor children after the parents' death, and preserving family wealth from the courts and accidental disinheritance. If you have any questions, Chris would be happy to answer them for you – just call at 248-613-0007.


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The Canberra Times (ACT : 1926 - 1995), Wed 6 Sep 1995, Page 22
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