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An allergy occurs when the body's immune system responds severely and inappropriately to a stimulant that is often otherwise harmless. The immune system naturally differentiates between "self" and "non-self" molecules. When a foreign invader, such as an allergen (a substance that causes an allergic reaction) invades the body, the immune system attempts to isolate and rid the body of it. Common allergens may include certain foods, such as peanuts or shellfish, airborne allergens including pollen, dust and animal dander, insect stings, medications such as penicillin or aspirin, and surfaces such as latex or nickel. An allergic reaction is triggered immunoglobulin E (IgE), which is an antibody. The antibody-IgE complex causes well-known allergy symptoms such as congestion, runny nose, watery eyes, itchy skin, swelling, hives, cough, chest tightness, shortness of breath, wheezing, and in extreme cases, anaphylaxis. Anaphylaxis is characterized by severe airway constriction, which prevents the patient from breathing, as well as extreme dilation of the blood vessels, causing a decrease in blood pressure.
Atopic patients, those predisposed to allergic hypersensitivity, often have a family history of allergies (such as asthma, hay fever, or eczema) and will usually exhibit a positive skin test. There are two categories of allergens – seasonal and perennial. Seasonal allergens include pollens and occur during the pollination months of plants. Perennial allergens are present year-round, and are often considered "indoor" allergens, such as pet dander, mold, and dust mites. In order to determine which of these you are allergic to, it is possible to do either a skin test or a blood test. A skin test requires the allergen to be put on or into the skin, and changes are observed for 10-15 minutes. Up to 54.3% of US adults have positive reactions to one or more allergens. Once the allergen is determined, several preventative measures can be taken. For example, environmental modifications to remove the allergen or complete avoidance of the allergen can be tried. Medications used to manage allergies include antihistamines, anti-inflammatory medications such as steroids, or decongestants. In times of severe reaction (such as anaphylaxis) it may be necessary to administer epinephrine, which would allow for opening of the airways and restoration of blood pressure.
Nasal obstruction is commonly referred to as a "blocked nose." This is frequently characterized by an irreversible problem, which is a commonly a structural displacement or deformation of the nasal septum (the cartilage and bone that separates the two nasal cavities), or weakness of the nasal valves. The nasal valves are formed by the cartilaginous support of the nostrils. Structural causes of nasal obstruction may result from trauma or could occur during birth. Reversible nasal obstruction is a result of problems such as allergies, infection, hormones, or medications. Common symptoms of nasal obstructions include "stuffiness" as well as dry mouth, sore throat, facial pain and pressure, excessive snoring, halitosis, and decreased sense of taste and smell. Depending on the type of nasal obstruction, medical or surgical intervention could be of benefit.
A deviated septum is an anatomic nasal obstruction which benefits from surgical intervention. A deviated septum occurs when the bone and cartilage that separates the nasal cavities deviates to one or both sides. This can often cause problems such a blockage of airflow, dryness, and sometimes contributes to recurrent infections. Prior to surgery, to relieve the symptoms a patient could use saline rinses, topical nasal steroids, decongestants, or possibly antihistamines. Surgical reconstruction of the septum, or septoplasty, alleviates the contribution of the deviated septum to the sensation of nasal obstruction. This surgery is minimally invasive, leaving behind most of the cartilaginous nasal structure, and should not alter the patient's appearance. Surgical reduction of the turbinates, structures located on the side walls of the nasal cavities, may also aid in opening the nasal cavity for improved airflow. Rhinoplasty may compliment a septoplasty to improve the visible shape or appearance of the nose.
Sinusitis refers to inflammation of the sinuses. Sinuses are hollow cavities in the face and skull which produce mucus. These sinuses include the ethmoid (located between the eyes), maxillary (located in the cheeks), sphenoid (located behind the eyes) and frontal (located in the forehead) sinuses. Normally, the mucus produced by the sinuses drains into the nasal cavity. However, when an obstruction is present mucus and pressure can build up, allowing for bacterial growth. Cilia are finger-like projections in the mucous membranes that sweep away mucus, bacteria or other debris. If they are not functioning, these particles are not cleared and symptoms can present. Sinusitis is more commonly called rhinosinusitis, due to the involvement and inflammation of the nasal cavity in addition to the sinuses. There are several different forms of sinusitis: acute, subacute and chronic sinusitis.
Acute sinusitis normally lasts from 1 day to 4 weeks. Acute rhinosinusitis most frequently results from viral infection, but may occur from bacterial infection as well. Subacute rhinosinusitis is a sinus infection that ranges in duration from 4 weeks to 3 months. It is often treated in the same method as acute sinusitis. Chronic rhinosinusitis is defined by symptoms that last longer than 3 months.
Different symptoms present themselves depending on the location of the infection or inflammation. Maxillary sinusitis presents with pain or tenderness behind the cheek bones or in the upper teeth, congestion, and purulent drainage. Frontal sinusitis is characterized by pain or pressure in the forehead, which is sometimes described as a headache. Ethmoid sinusitis presents with nasal congestion, pain or pressure around the eye, drainage, decreased sense of smell, and possibly pressure or headache. Sphenoid sinusitis presents deep-seated headache and postnasal drainage, but may be severe enough to cause fever or vision disturbances.
The main method in treating acute sinusitis is antibiotics, since many of the infections are bacterial. To relieve the symptoms, the physician may prescribe nasal saline rinses or nasal corticosteroids to reduce the inflammation. Decongestants may also be helpful to control symptoms. In chronic sinusitis, the mainstays of therapy include saline rinses and topical steroids, with some benefit being gained from antibiotics and oral steroids.
Fungi produce spores during their reproductive cycles. When a human inhales or comes in contact with these spores, they may cause a fungal infection, or incite an allergic-type inflammatory reaction. Fungal infections are considered opportunistic – meaning that while fungal inhalation is harmless most of the time, it may not be to a patient who is immunocompromised. When fungal spores enter the system and the immune system is not able to properly react, the fungal spores can germinate and grow inside the human host. There are fungal causes to such diseases as bronchitis, pharyngitis, rhinitis, stomatitis and sinusitis. If the body's allergic reaction to the fungus is hyperactive, severe inflammation can be seen.
Fungal sinusitis – There has been no definite relationship between people with chronic sinusitis and fungus, since a positive fungus culture can be found on many people who do not have sinusitis. Acute invasive fungal sinusitis targets immunocompromised patients. In chronic invasive fungal sinusitis, fungal infection of the tissues is present, but the time course and severity of disease is less than in the acute form. A mild form of fungal sinusitis is a "fungus ball" which is a benign fungal growth, often in those with normal immune systems, which can easily be surgically removed. Allergic fungal sinusitis is caused by the presence of fungus and the body's reaction to it, and is usually treated with both surgery and anti-inflammatory medical therapies. Acute and chronic fungal sinusitis is treated with antifungal medicines and surgery.
Stomatitis – Stomatitis refers to infection of the oral cavity. Fungal stomatisis is often characterized by white or yellow "fuzzy" or "curd-like" patches in the mouth. This responds well to topical antifungal medicines.
Pharyngitis – Pharyngitis is the inflammation of the throat. Fungal causes are determined by the presence of white plaques seen throughout the oral cavity. Topical antifungal medication is the usual treatment.
Nasal polyps are a common cause of nasal obstruction. Nasal polyps are small, benign and painless growths from the mucous membranes of the nasal cavity and sinuses. Nasal polyps are caused by accumulation of fluid, and represent the end-point of severe chronic inflammation. Nasal polyps are often found in patients with allergies, asthma, cystic fibrosis, or allergic fungal disease. A more severe syndrome of nasal polyps is found in those patients who have allergies, asthma, and aspirin sensitivity. Nasal polyps often vary in size from very small, which have no real adverse health effects, to large enough to completely obstruct the nasal passages. In the case of large nasal polyps, difficulty breathing, stuffiness, facial pain, headaches, loss of smell and taste, and a runny nose can be major issues.
Nasal polyps can be medically treated with corticosteroids, which reduce inflammation, but in many cases surgery may be necessary. Additional medical therapies may be of benefit in certain cases. Proper management of nasal polyps in patients with asthma has been shown to have beneficial effects on asthma-related symptoms and medication use. Nasal saline rinses are also recommended for proper upkeep of your sinuses.
Smell and taste are considered types of chemosensation, which is the neurological sensing of a chemical stimulus.
Olfactory sense neurons of are located in strategic areas within the nasal cavities. These olfactory sense neurons connect directly to the brain through the olfactory bulb. When exposed to a stimulus, the olfactory nerve endings react, delivering an electrical impulse to the brain, which then identifies the smell. This pathway is extremely sensitive, and may become altered with head trauma or respiratory infections. Common smell disorders include hyposmia and anosmia. Hyposmia is the reduced ability to detect odors while anosmia is complete inability to detect odors. Common causes of smell disorders include nasal obstruction, such as polyps, changes in mucus character, or structural deformity. Medications, hormonal imbalances and age also affect the sense of smell.
Taste buds of the tongue called house gustatory cells, which react to the presence of food particles. Taste sensations are believe to be either sweet, sour, salty, bitter or umami (savory). Humans are born with over 10,000 taste buds. Disorders of taste can be caused by poor oral hygiene and dental problems, alterations in saliva character, head injury, medications (most notably chemotherapy) and certain surgeries to the nose, ear or throat.
In order to diagnose disorders of smell or taste, a "scratch and sniff" test is available for smell. In order to determine the sense of taste, a patient can be given table salt, white sugar, quinine hydrochloride and citric acid. Umami (a recent addition to the taste spectrum) is found in foods such as chicken broth, which could be included in the test. With a process of tongue mapping, identification of the location of loss of taste can point to area of damage. One must be aware that flavor is a combination of both the taste and smell systems.
Most headaches people experience are tension headaches. Most "sinus headaches" are actually migraine variants. In fact, the International Headache Society Classification of Headache disorders does not include "sinus headaches" as a category. However, many patients with rhinosinusitis and/or allergies describe sinus headaches as pain or pressure behind the cheekbones, eyes, or the forehead. These headaches are often accompanied by other sinusitis symptoms such as congestion, nasal discharge, decreased sense of smell, and sometimes even facial swelling. A sinus related headache is thought to occur when mucus or pressure from the sinuses cannot efficiently drain into the nasal cavity due to inflammation or obstruction.
Sinus headaches must be treated by determining the cause of the inflammation. Allergens can often cause inflammation, so antihistamines could be used in this setting. Decongestants could also be used to help temporarily decrease mucosal swelling. If the inflammation was caused by bacterial infection of the sinuses, antibiotics may be of benefit. Overall, to prevent sinus headache, it is important to take preventative measures such as cleaning out nasal cavity through rinsing methods, avoiding allergens, and proper nasal ventilation. If there is any doubt to the origin of a headache, examination (including nasal endoscopy) may be coupled with a CT scan to see if there is sinus disease in the region of the pain.
The sinuses are separated from the brain by a layer of bone and the tissue layer that protected the brain, called the dura. Between the dura and the brain is a space filled with fluid known as cerebrospinal fluid (CSF). When there is a communication between this space and the sinuses, patients may notice clear drainage from the nose and a salty or metallic taste. CSF leaks can occur from trauma, surgery, tumors, or underlying brain disorders. If there is herniation of brain tissue into the sinus, this is referred to as a meningoencephalocele. The origin and size of the defect may determine the appropriate treatment.
It is believed that continued CSF leak or untreated meningoencephaloceles place the patient at some risk of bacterial spread into the brain from the nasal cavity, known as meningitis. The vast majority of CSF leaks, meningoencephaloceles, and skull base defects of the sinuses can be surgically closed in minimally-invasive endoscopic procedures.
Dysthyroid orbitopathy, or thyroid eye disease, is an autoimmune disease process. The muscles of the eyes and fatty tissue around the eye swell, causing a bulging eyes, eyelid retraction, and possibly even vision impairment. Often, dysthyroid orbitopathy is associated with hyperthyroidism, a disease that occurs when the thyroid gland secretes excess hormones. Diagnostic procedures include testing for hyperthyroidism, and a series of examinations performed by an ophthalmologist. To treat the swelling and inflammation, corticosteroids may be prescribed and thyroid function is normalized with the help of an endocrinologist. In cases which do not adequately respond to medications, surgical decompression of the orbital cavity may be performed. This allows the swollen tissue to prolapse or herniate into the sinuses, relieving pressure on the eye and optic nerve, and allowing the eye to sink back into its native position.
Tearing (epiphora) is characterized by overflow of tears. This occurs when tears are unable to drain into the nose through the nasolacrimal system. Tears are produced in the lacrimal gland in the outside corner of the eye, and cross the eye into the lacrimal sac, which directs the tears into the nose through the nasolacrimal duct. When there is obstruction of this duct, drainage of the tears cannot occur and they accumulate externally. Nasal blockage could occur from a variety of causes, such as inflammation, infection, structural defects, trauma, or growths. Proper diagnosis requires thorough examination and testing by an ophthalmologist. In some cases, opening of the lacrimal sac is recommended, and can be performed in a minimally-invasive endoscopic outpatient procedure known as endoscopic dacryocystorhinostomy (DCR). For further information, please refer to the American Rhinologic Society patient information section on DCR written by Drs. Ramakrishnan and Kingdom.
Orbital tumors may occur anywhere in the orbit, the bony cavity that houses the eyeball, muscles, fat, and nerves and arteries of the eye. The orbit and sinuses have a shared common boundary. In some cases, this can be exploited to access nearby tumors with an endoscopic approach through the sinuses. Orbital tumors can be benign or malignant, and may require a biopsy to diagnose. A video interview with Dr. Ramakrishnan is available on the website that discusses this approach.
Benign tumors are non-cancerous growths. Symptoms mimic those of sinusitis, and often take some time to discover. Most benign tumors of the sinuses are treated with biopsy and surgical excision. Our center specializes in the minimally-invasive endoscopic approach to tumor excision.
Fibroosseous lesions are one category of benign tumor. Many of these are discovered incidentally, and do not necessarily need to be removed unless they are specifically troublesome to the patient.
Malignant tumors of the sinuses are uncommon, but can occur. A number of different types of malignant tumors can be found in the nose and sinuses. Depending on the type of tumor, treatment may include chemotherapy, radiation therapy, surgical excision, or a combination of the three. Malignant tumors of the sinuses are particularly problematic because of their close proximity to the eyes, skull base, mouth, and face. Our approach to treatment of patients with sinus cancers utilizes a multidisciplinary team of many specialists, which has been shown to provide the best outcomes. This has been our experience as well, as the University of Colorado Hospital recently ranked the best in the region for cancer care according to U.S. News and World Report 2011.
Mucoceles are benign processes which can mimic tumors. An obstructed region builds up mucus, which can expand into surrounding areas such as the orbit or skull base. Diagnosis is made based upon the patient's history and characteristic findings on CT and MRI scans. Surgical treatment is curative in the majority of cases.
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Accredited by the Higher Learning Commission. All trademarks are registered property of the University. Used by permission only.


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Thacker Insurance Service - Greenville and Hillsboro, Illinois
Auto / Car Insurance, Home Insurance, and Business / Commercial Insurance for Greenville, Hillsboro, and All of Illinois
Thacker Insurance Service is a family owned and operated independent insurance agency serving Greenville and Hillsboro, Illinois and the surrounding area. We have been providing the best Auto / Car Insurance, Home Insurance, and Business / Commercial Insurance coverage at the lowest possible cost to our customers since 1982. Service to our customers is our focus to developing long lasting relationships. We are independent which means we represent many quality companies to meet each customer's specific individual needs. Contact us today for a free quote.

subset: commoncrawl


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Welcome to the Fox 29/Palm Beach Post Yahoo! HotJobs JobLine. Your source for the most current job openings in our area.
Fox 29 and The Palm Beach Post have teamed up to bring you JobLine, a unique feature within the Fox29 morning news that highlights available jobs and businesses that are hiring in our communities. Current job openings in our area will be posted during The Fox 29 morning news at approximately 7:25AM, 7:55AM and 8:25AM Monday through Friday. The job openings are supplied by PalmBeachPost.com in partnership with Yahoo! HotJobs.
The jobs range from skilled trades, office and clerical to just about any position and experience level. The local companies, corporations, offices and businesses doing the hiring are throughout our viewing and readership area, from Boca Raton to Sebastian.
Viewers can see the employer, the position that is open and the Job ID number. For more information or to apply to a job, go to wflx.com and click on JobLine. There is a link to a tutorial showing step by step instructions on how to apply. You can also link to The PalmBeachPost.com Jobs site where you will find a wealth of information on interviewing techniques, networking, resume tips and more.
Getting people back to work in this tough economy is our main priority. By sharing this valuable information, in a simple, versatile format, together we're helping South Florida get back on its feet.
4. Select the job title on the results screen.
5. Click "Apply Now" or follow other instructions in the posting.
5. You will also be prompted to create a target candidate profile that helps match job seekers with employers based on their skills.
6. Complete and save your skill profile and improve your chance of being matched to the right job!
1100 Banyan Blvd.
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No Recent Price Change
1110 Santa Elena Way
Johns Island, SC 29455
- Residential
- Single Family Attached
- Sold
Agent Remarks
Welcome to historic Fenwick Commons by the marsh and a short drive to Folly Beach, Kiawah & Downtown. The Durham-C is a spacious town home with an open floor plan. The home sits on a private lot on a cul-de-sac with plenty of room for those out door cook outs. Spend your time at the pool or close by beach, not maintaining your yard. Granite, Hardwood Floors, Ceramic Tile, Stainless Appliances and TANKLESS hot water heaters are already included! Walk in to an open floor plan that has a spacious kitchen with staggered cabinets with crown molding, stainless GE appliances and granite countertops that overlooks the family and dining room, complete with hardwood flooring in the foyer, dining room and kitchen. The Owner's Suite is located upstairs and features a vaulted ceiling, walk in clos et and large bathroom with dual vanities, separate shower, garden tub, tiled floor and linen closet! Walk down the hall to find two additional bedrooms, a full bath and huge linen closet. The laundry is also conveniently located upstairs. No more schlepping the laundry up and down the stairs. This home has all the features you've been looking for-Natural gas heat, Rinnai tank-less hot water heater, hardwood floors, granite, plenty of space, and a private back yard.
Sale Info
Listing Date: 06-21-2012
Sold Date: 04-05-2013
Aprox Days on Market:
9 month, 15 days ago
Listing Sold:
5 Year, 4 month, 12 days ago
Baths Info
Halfbaths: 1
Fullbaths: 2
Building Info
Year Built: 2012
Floors: Ceramic Tile, Wall To Wall Carpet, Wood
Foundation: Slab
Exterior Features
Misc Ext: Lawn Irrigation, Fence - Partial, Patio
Interior Features
Msc Intr: Ceilings - 9+, Ceiling - Cathedral/vaulted, Garden Tub/shower, Ceiling - Smooth, Walk-in Closets
Lot Info
Lot Size: 3,188 SQFT
Acres: 0
Lot Desc: Cul-de-sac, Level, Wooded
Misc Features
Auction: No
Parking Info
Gar Pkg: Attached, 1 Car Garage
Property Features
Amenity: Cable Tv Available, Neighborhood Pool, Trash Pickup
Green: Energy Star Appliance, Tankless Water Heater
Roof: Architectural
Style Sfa: Duplex 1 Unit, Townhouse
Stories: 2 Stories
Special: 10 Yr Warranty
Rooms Info
Beds: 3
Ground Level: Yes
Rooms: Family, Foyer, Living/dining Combo, Pantry
SqFt Info
Sqft: 1,473
Utilities / HVAC
Cooling: Central
Heat: Gas
Water Sewer: Public Sewer, Public Water
Courtesy of listing office D R Horton Inc


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A Kansas City, Kan., man who defied police during a six-hour standoff last week is now in custody after scuffling with U.S. marshals.
Gregory P. Andrews, 56, was arrested Wednesday after allegedly hitting one of the arresting officers with a rake.
After he was arrested, Andrews was taken to a hospital after complaining of a rib injury, according to Ron Miller, U.S. Marshal for Kansas.
The initial Aug. 16 standoff began when the U.S. Marshals Service went to his house and tried to arrest Andrews for a state parole violation and for failing to register as a sex offender.
He was convicted of taking indecent liberties with a child in 2012, according to the Kansas Sex Offender Registry.
When he refused to come out, the marshals backed off and police tactical teams were called in to surround the house at 57th Street and Parallel Parkway.
As the standoff continued, a large crowd gathered at the scene and some people chanted at police not to shoot.
Police commanders decided to end the standoff because they said the severity of the charges he was wanted on did not justify anyone getting hurt.
Miller said that members of the Marshals Fugitive Task Force were conducting surveillance on Andrews' house Wednesday afternoon when they spotted him outside.
When officers moved in to arrest him, Andrews allegedly struck one of the officers with a rake. Andrews was "taken to the ground" and placed under arrest, Miller said.
The officer struck with the rake declined medical treatment.
Wyandotte County prosecutors and the U.S. Attorneys Office are now conferring to determine if any new charges will be filed in state or federal court.
Tony Rizzo: 816-234-4435, @trizzkc


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In order to use RunSignUp, your browser must accept cookies. Otherwise, you will not be able to register for races or use other functionality of the website. However, your browser doesn't appear to allow cookies by default.
Click here to accept the use of cookies on your browser.
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Presented by Sierra Pacific Orthopedics:
All finishers receive a finisher's medallion. Overall and age-group Half Marathon awards are cash awards and will be mailed to winners to winners one week after the event.
Any disputes must be made by email to firstname.lastname@example.com within 48 hours after the race. After 48 hours all results will be official and no disputes will be accepted. 5K and relay winners will receive gift cards through the mail.
CASH awards in ALL AGE GROUPS!
Overall Winners Male & Female
$300 1st Place
$200 2nd Place
(Overall winners win their age group as well)
Age Group Awards
$100 1st Place
$75 2nd Place
$25 3rd Place
19 & Under
70 and Over
5k Awards
Gift Cards to Fleet Feet
$25 1st Place
$15 2nd Place
$10 3rd Place
Age Groups
19 and Under
70 and Over
2-person Half Marathon Relay
$50 1st Place Team (Each member)
$25 2nd Place Team (Each member)
Team Categories:
All Male
All Female
PLEASE NOTE regarding our TIMING of this bike event:
There are no awards presented for the bike event. The bike event is NOT a race, the timing of this event is for your personal record and gives the ability of the event to know how many riders are still on the course. It is not intended for the use of this time to score or compare times to any other rider. It is for the pure enjoyment of each rider, friends and family. There is no method to tell the actual route each participant takes, so if you desire to be placed in the proper route it is the responsibility of each participant to let the event know if you change categories from the time you register.


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"Drop in" Innovating for Ageing eventInnovation,Older Consumers,Technology
Friday, 27th July from 10:00 to 12:00 - Impact Hub, King's Cross, 34B York Way, Kings Cross, London N1 9AB
The Innovating for Ageing competition is now open. To make the whole process of submitting ideas easier, we are holding a "drop in" event – an informal place where you can meet with staff putting on the competition from ILC-UK and Just Group over tea, coffee and biscuits. We would be happy to help you out with submission process or any questions you have regarding Innovating for Ageing project.
Whether you're a start-up, large company, individual or a social enterprise we're keen to hear your idea and help you to develop your product or service that could help vulnerable older consumers.
The "drop in" Innovating for Ageing event will take place at the Impact Hub, King's Cross on the 27th July from 10:00 to 12:00. You are welcome to attend and leave at any point between that time.
If you would like to have an informal chat with us on the 27th June at the Impact Hub, please contact us on firstname.lastname@example.com to let us know you will be attending.
Roundtable Discussion: The Value of Financial AdviceOlder Consumers,Pensions,Work and Retirement
Thursday, 13th July 2017; 15:00 (for 15:15) - 17:00, House of Lords, Palace of Westminster, London SW1A 0PW
Held in the House of Lords on Thursday, 13th July 2017, this roundtable discussion focused on 'The Value of Financial Advice', a report produced by ILC-UK, with the support of Royal London.
Attendees heard from:
- Report author Ben Franklin, Head of Economics of Ageing, ILC-UK
- Isobel Langton, CEO, Intermediary, Royal London
- Sir Steve Webb, Director of Policy, Royal London
The report under discussion is now avaialble to download here.
The presentation slides from the event are available to view below:
Research launch: Tackling consumer confusion and giving retirees what they want. How can the wishes of consumers be supported by the pension reforms?Older Consumers,Work and Retirement
Wednesday 14th January 2015; 08:30 (for an 08:45 start) - 10:30; EY, 1 More London Place, London SE1 2AF
During the 2014 Budget, the Chancellor announced widespread reforms for individuals accessing defined contribution pensions at retirement. Most dramatically, he proposed abolishing the effective requirement to annuitise altogether. Under the new system anyone, regardless of the size of their pension pot, will be able to choose between drawdown or other products, annuitisation or full withdrawal, but they need to know what to do.
On 14th January 2015, ILC-UK published a major piece of qualitative and quantitative consumer research which explores how people might behave under the new policy framework and ascertain what their preferences are for taking an income in retirement and why.
During the event and debate we explored:
- What consumers plan to do as a result of the new pension freedoms?
- The extent to which consumers understand the decisions they are likely to need to make to best realise an income in retirement
- How to make guidance and advice effective?
The research has been supported by a consortium of industry partners (Just Retirement, LV, Partnership, Key Retirement and EY).
Agenda from the event
08:30 - 08:45 - Registration
08:45 - 08:50 - Welcome by Chair
Lawrence Churchill (ILC-UK Trustee)
08:50 - 09:00 - Presentation of research
Ben Franklin (Senior Research Fellow, ILC-UK)
09:00 - 09:25 - Presentations from:
The Rt Hon. the Lord Hutton of Furness (Former Secretary of State for Work and Pensions (2005-07); Member of the Public Service and Demographic Change Committee (2013 - 13))
Dean Mirfin (Group Director - KR Group, Key Retirement)
Dr Ros Altmann (UK Government's Older Workers Business Champion)
Maggie Craig (Acting Head of Savings and Investment Division; Policy, Risk & Research Division, Financial Conduct Authority)
09:25 - 10:25 - Discussion and Q&A, including responses from additional panel members:
Jackie Wells (Head of Policy and Research, National Association of Pension Funds (NAPF))
Jane Vass (Head of Public Policy, Age UK)
10:25 - 10:30 - Close by Chair
Lawrence Churchill (ILC-UK Trustee)
Video clips from the event are available to view on YouTube here:
Presentation slides from the event are available to view below:
'Silver Separators' An ILC-UK event as part of the Population Patterns Seminar Series, supported by PartnershipCommunities and Housing,Future of Age,Older Consumers,Quality of Life,Work and Retirement
Tuesday 18th November 2014; House of Lords, Westminster, London, SW1A 0AA; 15:30 (for a 16:00 start) - 18:00
During 2014, ILC-UK, supported by the specialist insurer Partnership Assurance Group plc (Partnership), undertook a series of events to explore the relationship between our changing demography and public policy.
This was the final event in the Population Patterns Seminar Series and it explored the "silver separators"- divorce later in life. Figures from the Office for National Statistics published in 2012 showed a huge rise in the divorce rate amongst those in their 60s, with an increase of 58% on the 2011 figure. The last 10 years have seen more and more older people part ways, despite divorce amongst the general population becoming less common. This has happened to such an extent that the over 60's are now the fastest growing divorce group in the UK.
A variety of reasons have been suggested , including a reduction in the stigma surrounding divorce and couples no longer feeling obliged to stay together if their attitudes and needs change.
However, figures released by the ONS in June 2012 revealed that marriages involving older people were also rising faster than for other age groups – up by 21% for women and by 25% for men in their late sixties. Re-partnership is likely to be even higher than these figures suggest, as older people in a new relationship may not choose to remarry.
During the event the discussion explored a number of themes, including:
- What factors have contributed to the rising rate of divorce amongst the over 60s?
- How can older people's relationships be better supported?
- What challenges does ageing present to relationships?
- How do care responsibilities effect relationships?
- What are the potential ramifications of older couples separating?
Agenda for the event
15:30 - 16:00
16:00 - 10:05
Welcome from:
Baroness Sally Greengross (ILC-UK)
16:05 - 16:55
Presentations from:
Richard Willets (Partnership)
Rt Hon Paul Burstow MP (Member of Parliament for Sutton and Cheam)
Ben Franklin (ILC-UK)
Chris Sherwood (Relate)
Barbara Bloomfield (Co-author of 'The Mature Times Guide to Love and Relationships in Later Life')
16:55 - 17:55
Discussion and Q&A
17:55 - 18:00
Close from:
Baroness Sally Greengross
Presentation slides from the event:
Should we forget about 'the older consumer'? An expert roundtable on market segmentationOlder Consumers
Tuesday 22 October 2013. 13.30 for 14.00. Brown Forman Beverages, 45 Mortimer Street, London, W1W 8HJ
In an ageing society, understanding and engaging with 'the older consumer' is of pressing interest for businesses who want to realise the potential of the market. But it is not an easy market to understand or describe.
A key issue to be addressed by marketers is to avoid a homogenisation of older people. The diversity of consumer spending of this group is often lost in ageist perceptions of 'what older people want'. Despite this however, it remains to be seen if the commonalities of ageing – such as wealth depletion and physiological changes – nudge older people to gravitate to a norm.
In Dec 2010, ILC-UK and the Personal Finance Resource Centre (PFRC) at the University of Bristol published a report which explored what and how older people spent their income (Consumption Patterns Among Older Consumers). The evidence from this report fed into the ILC-UK report for Age UK on older consumers (The Golden Economy).
ILC-UK and PFRC have teamed up again to further explore issues around consumption and old age, funded by the Economic and Social Research Council Secondary Data Analysis Initiative. At this seminar we presented new evidence which explores patterns of expenditure among older people and considers what explains these.
During the seminar we:
- Considered how our spending varies as we age, including setting out average and overall spending by age group;
- Segmented older households based on their patterns of expenditure;
- Considered the validity of a single 'older consumer' model.
The presentation slides from the event are available to view below:
ILC-UK and Actuarial Profession Joint Debate: Older workers, health and employmentHealth,Intergenerational,Older Consumers,Work and Retirement
The Actuarial Profession, Staple Inn Hall, High Holborn, London WC1V 7QJ, 16:00, 22 November 2011
A debate considering the health and employment of older workers.
Demographic change means that many organisations now employ greater numbers of older workers. Many of these older workers will carry on working for longer than employees in recent decades for a variety of reasons including rising state pension age, the scrapping of the default retirement age, financial necessity, or simply wanting to continue working.
By many measures, today's older workers are healthier than in the past - some would even call them "younger" as they retain an active life for longer. However, many chronic health problems such as cardiovascular disease, diabetes and musculoskeletal conditions are more likely to be experienced by older people. While some believe that older workers suffer more ill-health than their younger counterparts, others says older workers take less time off because they are more conscientious and do not call in sick after a night out.
Many of the health problems that older workers suffer can be prevented or managed, but doing so requires a comprehensive approach that involves many actors including the NHS, health professionals, employers and older workers themselves.
The questions that will be considered during the debate include:
- Do older workers take more or less sick leave than their younger counterparts?
- What kind of health problems commonly lead to older workers taking sick leave or exiting the workforce early?
- What government policies exist to help support older workers who experience health problems?
- What interventions or innovations can minimise or prevent ill health amongst older workers?
Agenda from the event:
16.00 – 16.30
Registration and refreshments
16:30 – 16.35
Welcome by Actuarial Profession co-chair and introduction from co-chair Baroness Sally Greengross, Chief Executive, International Longevity Centre - UK.
16.35 – 17.05
Keynote speech on trends in the health of older workers, Dame Carol Black, Department of Work and Pensions
17.05 – 17.15
Measures and policies designed to support the health of older workers, ILC-UK
17.15 – 17.25
Case study on intervention(s) to support the health of older workers
17.25 – 18.30
Questions and panel discussion with speakers
Close and drinks
ILC-UK and the Actuarial Profession in partnership with Age UK. joint debate: The older consumerEconomics of Age,Older Consumers
The Actuarial Profession, Staple Inn Hall, High Holborn, London, WC1V 7QJ, 16:00, 23 November 2010
Older consumers are an increasingly important market for a variety of goods and services. Indeed many companies are already profiting from this market.
Yet at the same time, the dominant view in both academic literature and amongst marketeers is that "the older consumer" is far too often ignored. Research as far back as the 1960s has highlighted the potential of the market whilst at the same time identifying concerns with the private sector's efficiency at targeting and reaching the older consumer.
Over last 10 years a number of Government reports have recognised the importance of the older consumer. The importance of older consumers was highlighted for example, in the Government's ageing strategies Opportunity Age (2005) and Building a Society for All Ages (2009).
In April 2009, the BIS report New Industry, New Jobs stated that the Government would draw up an action plan for business and Government on the economic opportunities presented by an ageing society. BIS published an analytical and discussion paper on whether business was ready for an ageing nation in spring 2010.
At this event, ILC-UK launched new research on the older consumer market. The research includes primary and secondary data and incorporates new findings from the PFRC at the University of Bristol.
Minister of State for Universities and Science, David Willetts MP, responded to the research ahead of a panel debate.
The questions we considered during the debate included:
- Is there market failure in the consumer marketplace?
- Does industry understand the older market?
- Is the "older consumer" changing?
- Is there any such thing as an older consumer?
- What if anything makes a consumer an older consumer?
- How can we improve the consumer experience of older people?
- What do we know about how to reach the older consumer?
- What role is there for Government intervention?
Agenda from the event:
16.00 – 16.30
Registration and refreshments
16:30 – 16.35
Introduction from the Chair(s)
16.35 – 17.05
"The Older Consumer" David Sinclair, Head of Policy and Research, ILC-UK
17.05 – 17.25
David Willetts MP, Minister of State for Universities and Science
17.30 – 18.30
Questions and panel discussion with Tom Wright (Chief Executive, Age UK), Andy Godfrey (Boots); David Metz (Visiting professor at University College London, member of Financial Services Consumer Panel, and author of 'Older Richer Fitter: identifying the consumer needs of Britain's ageing population).
Close and drinks


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After 4 successful Erasmus MC Skin Cancer Meetings in Spa, we organize a new meeting in 2017. However, the meetings' concept has changed, is more international, moved to Rotterdam and renamed into the 1st 'Cells to Surgery' congress. The goal of this Rotterdam Skin Cancer Congress is to provide high quality education on skin cancer care in a broad scope and to bring together international colleagues from different specialties such as dermatologists, surgeons and oncologists. The iconic building 'The Rotterdam' nicely reflects the ambitions of the 'cells to surgery' congress, which will take place in the early fall: September 27th – 29th 2017.
The scientific program covers the latest developments in melanoma and non-melanoma skin cancers. The faculty includes a combination of young talents and multiple world-renowned experts: Lex Eggermont (Paris), Jan Hoeijmakers (Rotterdam), James Larkin (London), René Bernards (Amsterdam) and Caroline Robert (Paris). For a sneak preview of the program and early registration visit the website: www.cellstosurgery.com.
We are looking forward to see you at our 1st 'Cells to Surgery' Congress.
Tamar Nijsten, Alexander van Akkooi,
Nicole Kelleners-Smeets, Astrid van der Veldt


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Monument Carving – Howard Co Veterans Memorial
Monument Carving by Designs & Signs. Detailed photos of the Howard County Veterans Memorial. We designed and carved fifteen stones which are now on display at the memorial park. If you would like more information about this Memorial please CLICK HERE to visit the official website.


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Friends of SMART Mission Statement:
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You can help us achieve our mission by making a donation payable to "SCT" ** today.
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