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The dictionary defines goodwill as "friendly, helpful, cooperative feelings or attitudes." Where's that goodwill today? Our country just finished a particularly partisan political campaign with accusations hurled in every direction. We may deplore this in politicians, but in your store or your personal life, do you believe people should give each other the benefit of the doubt over past real or perceived grievances? When you leave your store are you affording others the same courtesy?
Today we tend to see everything as black and white without shades of gray. We seem to have forgotten how to explore each other's ideas in order to find some common ground. Talk to any participant on a debate team and they'll tell you they've learned to embrace each topic dispassionately from every side. This leads them to better understand that preconceived notions may be biased, one-sided or wrong. No matter our education or experience, no one has a lock on "The Truth."
This realization is important for you and your garden center employees, especially those dealing directly with people. (Hey? Isn't that everyone in your garden center—fellow employees, customers, vendors?) When you think you know best in a situation, do you take a deep breath and consider the other person's perspective?
Aggressively listen to conversations. There's a key phrase that tells you when civil discourse is going into bitter, non-communicative squabbling. When either party starts by saying, "Did you?"—or worse, "You are a _____!" things are getting personal and headed out of control. Any question is accusatory when it puts the other person on the defensive. It inhibits truth and candid exchange of ideas. When people feel they're being attacked they don't focus on listening; they're focused on defending themselves and crafting what they'll say next. They aren't focusing on what the other parties are saying or feeling. Going back to the dictionary, the synonyms for goodwill include "compassion, kindness, consideration and charity." How often do our words and actions reflect them?
Consider the question, "Why did you plant the hydrangea there?" as contrasted to "That's an interesting placement choice for the hydrangea." The second "question" is really a statement that focuses the conversation on the spot where the plant was placed. It gives an employee a chance to explain their thinking in a less personal, less invasive way. The difference may be subtle, but it's impactful.
As a boss or a co-worker, you may not feel that you're bullying people. If your question makes someone feel either accused or on the defensive, then the employee may feel bullied. Remember, it's the perspective of the other person that matters.
As we ponder the year-end holidays, let's make a commitment to ourselves, our families, our workplace and our community to listen more and pre-judge less. We need civil discourse, whether working with our vendors and employees or satisfying our customers. Let's talk about facts and solutions. Let's never assault, attack or accuse someone. Focus on topics, not on personalities. Let's discuss ideas and discover the other person's perspective. With the new year ahead, let's start now—with you and me and all those with whom we communicate—one conversation at a time. You've heard it before and you know it's true: If it is to be, it's up to me!
May there be peace on Earth … and goodwill to all. GP
Bill would love to hear from you with questions, comments or ideas for future columns. Please contact him at email@example.com or (609) 688-1169.


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Watch Empire S4 on DStv Now
Fri 23 Mar 2018, 09:00
Brand new series, returning favourites and movies to live stream online this week on DStv Now.
Whether you're streaming live on DStv Now or watching later on DStv Catch Up, don't miss any of the new and returning series, movies and sport this week - including Empire S4, Atlanta S2 and One Strange Rock S1.
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A film about race, murder and survival. A swimmer trying to better his life returns to college. But things fall apart when he and his friends are wrongly imprisoned for murder.
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DStv Now can be accessed online at now.dstv.com or through the app for tablets and smartphones. The app is free to download on the Google Play Store or Apple App Store and is available to all DStv customers. Live channels and DStv Catch Up content are currently only available to DStv Premium, DStv Compact Plus and DStv Compact customers and data costs will apply when streaming content.
*Dates subject to change and content subject to package eligibility


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Ask the Expert
Three Major Mistakes of Scientific Presentations
by Jean-luc Doumont
What do you think are the three most important considerations for an effective scientific presentation? Contrarily, what are the three major mistakes presenters customarily make? --Jacqueline Mintz (New York)
Scientists presenting their research work at a conference or other venue usually mean well, yet their presentations can be an impenetrable fog indeed. It is not that other professionals necessarily do better; public speaking is a difficult art for all. But when the subject matter is highly technical, the audience can more rapidly get discouraged. Here are three shortcomings I frequently witness on the part of scientists (and other presenters): trying to say too much, failing to reveal the structure of the presentation, and neglecting the beginning and end of it.
Simply Trying to Say Too Much
Scientists presenting at a conference typically report on a whole year of research in a mere 15 minutes: quite a challenge. As a result, most presenters simply try to cover too much detail, losing all but a few audience members in the process. These few--the experts in this very specific subject matter--are usually familiar with this contentif they are up to date at all, so they hardly need it repeated. Numerous details thus serve only one person's need, that of the speaker trying to establish how incredibly clever (or painful) his research has been.
Beginners somehow believe they must mention in their presentation everything that is already written down in their proceedings paper. Not so, of course. Written documents are for conveying details accurately and lastingly. In contrast, oral presentations are for convincing an audience of key messages, not with detailed evidence, but with nonverbal communication.
Failing to Reveal the Structure
Most audience members "get lost" in a presentation, not because they lack the knowledge or intelligence to comprehend the content, but because they lack a map. Oral presentations indeed lack the numerous visual clues orienting the readers of written documents, such as paragraphs, headings, or page layout. Most speakers do show a preview of their presentation (the map), but one that is usually too detailed and shown too early, so it is hard to remember. Few, alas, include truly helpful transitions between points, indicating where they are on the map. Fewer still provide a recap of their main points before the conclusion (and those who did provide one eventually drop it because the chairperson said "two minutes left" about four minutes earlier).
The lack of structural clues and the sequential nature of slide shows too often make a well-built hierarchical structure look like a long, flat, undifferentiated path, one that will progressively disorient even the most attentive audience members.
Neglecting the Beginning and the End
Professionals involved in long-term work, as scientists often are, too easily lose sight of the motivation for their work and of the outcome of it--precisely what most audience members are primarily interested in, especially in a presentation. Above all, they want to know the beginning and the end of the research story. Presentations that shun or under-develop both motivation and outcome, but jump at or stop with the work itself are self-centered, not audience-oriented.
By failing to relate to their audience at the beginning and at the end of their presentations, speakers fail to make a strong first impression and a lasting last impression. Taking the audience for granted, most presenters start with their name and the title of their talk. This title, which can easily run on four lines on a slide, is often so intricate that it requires further and immediate explanation, perhaps even a few definitions of terms. How attention-getting can it be? Similarly, too many speakers end their presentation because they run out of time or run out of things to say. How carefully prepared does it look? Effective presentations start and end in a forceful, relevant, audience-oriented way.
Dr Jean-luc Doumont teaches and provides advice on professional speaking, writing, and graphing. He also trains instructors and can facilitate any process that requires solid structuring and effective communication. For more than 15 years, he has helped audiences of all ages, backgrounds, and nationalities structure their thoughts and construct their communication, in English, French, Dutch, and Spanish. He is an engineer from the University of Louvain and a doctor in applied physics from Stanford University.


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The purpose of this medical and dental benefit plan is to assist business owners with the financial cost of their health expenses. Using a Private Health Services Plan allows you to use pre-tax company funds to pay for your expenses. Depending on your tax bracket, the savings can be significant when compared to using personal after-tax dollars. You decide which health care products and services to purchase and then are reimbursed with funds deposited to the plan by your company.
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Date(s) - 12/15/2018
10:30 am - 2:30 pm
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To celebrate its first birthday, Collins & Katz Family YMCA will host a Community Open House. At this event, which is free and open to the public, guests can enjoy community booths, family activities, youth sports clinics, fitness classes, and guided tours of the 72,000 square foot, state-of-the-art facility. Collins & Katz Family YMCA features two indoor heated pools, exercise studios, fitness center, full size gym, child activity center, locker rooms with steam room and sauna, social lounge and community room. Known for its commitment to youth development, this Y also includes a Teen Fitness Center, Teen Leadership Room and Teen Activity Center. At the Community Partner Booths, LA County Bicycle Coalition will offer complimentary Bicycle Tune-Ups (9:30 a.m.-1:30 p.m.) and Los Angeles Police Department will provide Holiday Safety Tips at 10:30 a.m. An inflatable obstacle course, and arts & crafts will be at the Kids Zone (10:30 a.m.-1:30 p.m.). The Youth Sports Clinic will have LA Kings Ball Hockey for kids ages 5-11 from 11 a.m.-noon. There will be be family Zumba (11:45 a.m.); family yoga (12:15 p.m.) and an all-ages martial arts demo (12:45 p.m.).


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TERRE HAUTE, Ind. – The man who is accused of setting fire to the Vigo County Community Corrections Center in late June, has a new trial date.
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Walsall moved to the summit of League One with a hard-fought 2-0 win over Burton Albion in a nervy top-of-the-table encounter at the Bescot Stadium this afternoon.
Liam Kinsella's strike on 36 minutes looked like being enough, before Tom Bradshaw slotted a late penalty as the Saddlers leapfrogged Albion on goal difference.
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The setback represented Fleetwood's fifth successive League One defeat and Pressley's men now sit level on points with bottom-of-the-table Crewe Alexandra.
The Railwaymen put back-to-back defeats behind them by pulling out a 2-1 win away to Barnsley.
Ryan Colclough's 14th-minute opener for out-of-form Crewe was cancelled out immediately by Alfie Mawson, but Lauri Dalla Valle struck 11 minutes from time to stop the rot.
Results in full: Barnsley 1-2 Crewe, Bury 2-2 Wigan, Chesterfield 1-3 Gillingham, Fleetwood 0-1 Coventry, Oldham 2-4 Scunthorpe, Sheffield United 3-2 Rochdale, Shrewsbury Town 4-2 Colchester, Southend 1-0 Port Vale, Swindon 1-2 Peterborough, Walsall 1-0 Burton


text: Latest News Musicologist lecture focuses on Jean-Luc Godard's filmsFebruary 12, 2016baumgartnermichael.jpg Michael Baumgartner Youngstown State University's Dana School of Music hosts a lecture by musicologist... Pittsburgh artist lectures on campus this weekFebruary 12, 2016pena-work.jpg John Pena work at Mattress Factory Art Museum in Pittsburgh. Visual artist John Peña... Dana Concert Band, Percussion Ensemble perform Feb. 22February 12, 2016The Youngstown State University Dana School of Music's Concert Band and Percussion Ensemble perform a... This Week at YSU, Feb. 15, 2016February 12, 2016Sunday, Feb. 14, 3 p.m. YSU's Dana School of Music presents a free recital in... YSU Bridges Out of Poverty Student Union presents poverty simulation this weekFebruary 5, 2016bridges.png The Youngstown State University Bridges Out of Poverty Student Union presents a Poverty Simulation... Application deadline nears for Summer Honors Institute at YSUFebruary 5, 2016summer-honors-institute0.jpg Summer Honors Institute students study the effects of vacuum on marshmallows. Application deadline is... Lariccia School offers free tax preparation through VITA programFebruary 5, 2016vita0.jpg Youngstown State University's Lariccia School of Accounting and Finance is providing trained business students... Symposium discusses violent 1916 steel strike on Youngstown's East SideFebruary 5, 2016youngstown-steel-strike-massacre-ptts-post-jan-8-1916-600x373.png The Pittsburgh Post, Jan. 8, 1916 "East Youngstown Burning: Commemorating the Centennial of the... Internship Interview Days set for Feb. 12 and 19, March 18 and 25 at WCBAFebruary 5, 2016internship-interviews.jpg Rikki Batson, senior marketing major, interviews with Andrea Scott, digital coordinator from WEMJ-TV during... Jewish/Islamic series presents study on The Psalms March 1February 5, 2016The Psalms is the subject of the next "Studying the Jewish and Islamic Traditions" presentation... Pages« ‹ 119 120 121 122 123 124 125 126 127 › » Looking for something before August 2015? View our news archives.


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The J.S. Paluch Company is dedicated to serving Catholic parishes, religious communities, and organizations across the United States. Founded by John S. Paluch in 1913, the J.S. Paluch Company remains a family-owned business.
The J.S. Paluch Company is dedicated to serving Catholic parishes, religious communities, and organizations across the United States. Founded by John S. Paluch in 1913, the J.S. Paluch Company remains a family-owned business.
Texas Investigative Network, Inc. was founded in 1994 and has successfully and discreetly completed more than 6,000 assignments. Their investigators are very knowledgeable, experienced, highly specialized and have received extensive investigative training through local, state and federal law enforcement agencies, the U.S. Military and the Insurance and Legal Professions.
The Brandon Kirk Sims Foundation Inc., founded on August 5, 2010, was a vision that the Sims family conceived as a way to provide a legacy for Brandon and to help better serve the surrounding community through financial contributions, community service, and spiritual endeavors.
Turner Mangum, LLC. is a family owned and operated brokerage, changing traditional industry standards with innovative programs and a genuine service towards our clients. We STRONGLY believe in breaking the mold of traditional real estate practices by providing our clients with a high quality service for literally a fraction of the cost.
In addition to providing first class storage options Officer Storage Solutions also are proud to offer indoor modular building space. These cost effective spaces can provide office space for shift supervisors, warehouse managers, shipping and receiving, and labs/technical rooms. These buildings can be custom designed to fit a variety of needs and with installation time up to 75% faster than traditional building methods, there is little to no disruption to daily activities.
After 40 years in business, we take pride in our expertise in servicing and selling forklift batteries and forklift battery chargers. Our goal is to keep our customers operating with minimal downtime.
"We believe that Our Lady of Guadalupe, who once brought 8 million people into the living streams of Catholicism, can once again bring light into our present darkness!" - Guadalupe Radio Network
The GRN operates 32 radio stations and reaches a population of 20,000,000 potential listeners. We are the only Catholic radio organization establishing Catholic radio stations in both English and Spanish in the same markets. GRN operates solely through the generosity of our listeners following the model of Eternal Word Television Network.
The Dominican Sisters of Houston, Texas, in conjunction with the Diocese of Galveston-Houston, founded St. Pius X High School in 1956. This co-educational high school opened in September of 1956 with 253 ninth and 10th grade students, under the patronage of St. Pius X. In 1957, St. Pius X served grades nine through 11, and by 1958, the School functioned as a four-year high school. St. Pius X numbers more than 5,000 graduates among its alumni, many of whom now have sons and daughters in attendance at the School.
"Our background is in the beer biz. Everything from distribution and importing to German training and brewery operations. A few years ago we had an opportunity that would allow us to open up our own brewery. We jumped on it.
We're extremely excited about this brewery, and we think it shows in everything we do. This is just plain fun for us. The day it starts to feel like a job is the day when lightning shall strike us dead. Cause, hey, at the end of the day we're making beer. And beer is fun."
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We are a diverse team of collaborators and problem solvers with a relentless drive to create outstanding experiences for those we serve. We love rolling up our sleeves and getting down to work–connecting great people with great jobs! It's the reason we've been recognized as "Best in Staffing for Client Satisfaction" every year since 2012. We're proud to be known as a service provider that focuses on quality and work hard to maintain that reputation.
Tactical Defense is a reality based self-defense program created to handle the threats of the modern world through Awareness, Discipline, and Tactics.
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text:
Classic Games I May Never Let Go Of
Do you ever reminisce about your classic gaming moments as a kid? A game you couldn't take your hands off for weeks, or a fun family loving adventure that you all shared on Saturday nights?
Dark Souls Legends
"What is bravery, without a dash of recklessness!"
Diary Entry #8 - Locked Out
Brothers are so mean to each other, especially feline brothers.
Tomb Raider: Extraordinary and Masterful
Tomb Raider had me from the very start: gorgeous graphics and realistic environments, smooth gameplay and suspenseful cut scenes, and then the wonderful Lara Croft herself.
Diary Entry #7
Catastic photo shoot!
Why I Have a Better Experience Playing Games Months After Release
There are obvious reasons why waiting months to play a game is better, and I would much prefer to wait out the hype, and create a completely personal and fun memory of my own.
Guacamelee! Unfinished
Scrolling through my PS4 library, looking for a short indie game, I came across Guacamelee! Super Turbo Championship Edition. This action platformer was inspired by traditional Mexican culture and lore in regards to art style, story, and gameplay.
Please Stop Me From Buying Any More Video Games
After buying a PlayStation 4 in February last year I developed a little bit of a bad habit. I bought soooo many games in 2015, a lot more than what I could put my effort into, which I knew at the time as well. This has put me into a sticky situation, since I have t-minus 11 weeks until Dark Souls III releases in April.
Blade & Soul MMORPG Released Today - F2P or P2W?
Another free to play MMO for me to put half an hour into and decide it's not worth my time. But maybe this one will be different?


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Knockout Pink Rose
Sweet, No-Fuss Blooms
We ship this item in Fall
- Zones: 4-9
- Height: 36 - 48 inches
- Shade Requirement: Full Sun
- Bloom Time: Late spring to first hard frost.
Currently Unavailable
Send me an email when this item is available
Packed 1 per offer
Knockout Pink Rose
- Botanical NameRosa x 'Radcon' PP15070
- Ships As1 GALLON POT
- Height36 - 48 inches
- Spacing36 - 48 inches
- Spread36 - 48 inches
- Light RequirementsFull Sun
- Color Descriptionpink
- Foliage TypeDeep mossy green
- Bloom TimeLate spring to first hard frost.
- Flower FormSingle blooms
- Soil RequirementsWell drained, humus enriched soil.
- Growth RateModerate to fast.
- PruningEarly spring remove all broken, crowded and dead wood. A once a year cut to about 12-18" above the ground in early spring (after the last hard frost) is also recommended for maximum performance.
- Winter CareIn northern zones, apply 3-4" mulch around base of plant before ground freezes to protect plant in winter.
- State RestrictionsAE AK AZ GU HI IN NJ PR
- Zones4-9
- Planting InstructionsPerforms best in full sun - 6 or more hours of direct sunlight
Plants, fertilizer and other supplies* will be shipped at the proper planting time for your area of the country during the shipping timeframes outlined below.
2018 Fall Shipping Schedule
Bulbs, Potted Plants and &
|9/4/18 - 11/02/18
|9/4/18 - 11/16/18
|Last Order Date
|Zones 1-5: 10/29/2018
Zones 6-10: 11/12/2018
*Fertilizer and other supplies ordered apart from plant orders are typically shipped within 5 business days.
Based on the contents of your order, we always strive to ship the order complete and as early as possible. However, sometimes this may result in a delay of some items that are ready before others. Our customers have suggested that they would rather wait to receive their order as complete as possible. If you would like to receive part of your order ahead of time, please reach out to our customer service department and we can accommodate. Orders with large items may be shipped in more than one package. There is no extra charge if your order requires more than one package.
Bareroot perennials, trees and shrubs are kept in the nursery row until fully dormant. This promotes optimum transit conditions and provides your new plant with the best opportunity for success in your garden.
Trees and other oversize items cannot be shipped to PO boxes.
After you place your order, you will receive an email confirmation with the details of your order and a delivery estimate. You will also receive an email notification when your order ships with an updated arrival estimate and tracking information.
At any time after you place your order you can check your order status on our website using your email or the account number found in your order confirmation email.
Please note that we cannot ship outside of the 48 contiguous states.


text: The film begins when a robber (Rickey Smiley), disguised as Santa Claus, breaks into Craig (Ice Cube) and Day-Day's (Mike Epps) house at 3:37 AM on Christmas Eve. Craig fights with the robber, trashing their apartment while making frantic, futile attempts to wake Day-Day. The robber escapes with Craig and Day-Day's Christmas presents and rent money. The same morning, the police come over to get a report.


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Entire story of Surgical strike 2.0 On 14 Feb 2018, A bus carrying Indian security CRPF (Central Reserve...
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On Feb 26, 2018, at 3.30 an IAF Airstrike took place with the help of 12...
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With tons of tools and social platform we always get distracted and unclear about our prime...
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Dilwaalon ki Delhi! That's what we adoringly call our favourite city. They say that this place...
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The NRF expects that online retail will grow 8-12%, up to three times higher than the...
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The journey of IAF Abhinandan Varthaman POST JET CRASH, as per the Pakistan newspaper-DAWN and other...
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Diwali or Deepawali is one of the most significant Hindu festival which is celebrated across India...


text:
How to find the median and quartiles from a histogram - S1 Cheat Sheet drfrostmaths.com
how to fix an ingrown fingernail
Funny you should ask! I just noticed my elderly cat of 17-1/2 years old had ingrown claws on his inside front paws first claw, which would correspond to a humans thumb nails.
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For sale is my HK wagon this car has a nice reliable 308 with turbo 350 trans B&M Pro ratchet Shifter VN - VP commodore diff with Disk Brakes all round.
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Fuark imagine how big you'd feel if she were to give you a handie Size discrepancy is fun ^_^ (within reason obviously 0_0), till you get dickmogged by JBs >_<. Find
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Employed a Diggerling 36,111 achievements earned 1,954 Players Tracked 50 Total achievements
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23/04/2016 · The pilot episode of {NOIR} TRIP takes you to the Macleod Island, Myanmar. We'll show you how to get there and how's the resort. Official Facebook page : htt...
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My TI 84 + CE got a bunch of dead or broken pixels on the side of the screen a while ago that obstructed numbers and menus. I looked it up and another person asked the same thing, but was told that it's unfixable.
You can find us here:
Australian Capital Territory: Theodore ACT, O'connor ACT, Tharwa ACT, Calwell ACT, Hall ACT, ACT Australia 2675
New South Wales: Macquarie Hills NSW, Narrawa NSW, Yarrabin NSW, Dunrobin NSW, Ballimore NSW, NSW Australia 2036
Northern Territory: Hughes NT, Pine Creek NT, Coonawarra NT, Berrimah NT, Titjikala NT, Katherine East NT, NT Australia 0858
Queensland: Brookfield QLD, Reedy Creek QLD, Hatton Vale QLD, Barringha QLD, QLD Australia 4063
South Australia: Wrattonbully SA, South Kilkerran SA, Inneston SA, Thebarton SA, Salisbury SA, Glenunga SA, SA Australia 5029
Tasmania: Parklands TAS, Scamander TAS, Sunnyside TAS, TAS Australia 7014
Victoria: Robertsons Beach VIC, Numurkah VIC, Delegate River VIC, Goschen VIC, Gowanford VIC, VIC Australia 3002
Western Australia: Ascot WA, Four Mile WA, Kokardine WA, WA Australia 6017
British Columbia: Vernon BC, Castlegar BC, Kimberley BC, Masset BC, Colwood BC, BC Canada, V8W 7W4
Yukon: Moosehide YT, Scroggie Creek YT, Gold Run YT, Minto Bridge YT, Watson YT, YT Canada, Y1A 9C4
Alberta: Bittern Lake AB, Redcliff AB, Wainwright AB, Arrowwood AB, Claresholm AB, Waskatenau AB, AB Canada, T5K 7J2
Northwest Territories: Tulita NT, Inuvik NT, Behchoko? NT, Fort Resolution NT, NT Canada, X1A 9L8
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Quebec: La Prairie QC, Sainte-Jeanne-d'Arc QC, Brome QC, Nicolet QC, Acton Vale QC, QC Canada, H2Y 2W8
New Brunswick: Caraquet NB, Pointe-Verte NB, Aroostook NB, NB Canada, E3B 6H8
Nova Scotia: New Glasgow NS, Stewiacke NS, Canso NS, NS Canada, B3J 3S9
Prince Edward Island: New Haven-Riverdale PE, Malpeque Bay PE, Brudenell PE, PE Canada, C1A 9N1
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England: Wigan ENG, Lancaster ENG, Newcastle upon Tyne ENG, Worthing ENG, Blackburn ENG, ENG United Kingdom W1U 8A5
Northern Ireland: Belfast NIR, Belfast NIR, Belfast NIR, Bangor NIR, Bangor NIR, NIR United Kingdom BT2 5H8
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Wales: Cardiff WAL, Newport WAL, Wrexham WAL, Swansea WAL, Newport WAL, WAL United Kingdom CF24 7D4


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Our T.E.A.M Project receives backing from the Lord Provost!
Big Hearts' T.E.A.M Project, run in partnership with Multi-Cultural Family Base, was awarded a £2,000 funding from the One City Trust, Edinburgh's Social Inclusion charity presided by Rt. Hon. Frank Ross, the Lord Provost of the City of Edinburgh.
Members of the Edinburgh Council and One City Trust, represented by local Councillor Denis Dixon, handed out a £2,000 cheque to Caryn Kerr, Big Hearts' Fundraising and Development Manager in the presence of Ann Budge, Heart of Midlothian's Chairwoman and Big Hearts' Trustee.
We are delighted to have been awarded this grant from the 'Lord Provost's Rapid Action Fund – with the participation from Travis Perkins – wich will help develop the T.E.A.M Project over the coming months to support even more isolated and vulnerable young people from various cultures and backgrounds.
Big Hearts' T.E.A.M Project – for Together Equality Achieves More – aims to reduce social isolation of young people attending the local schools and aged 9 to 13 years old, through after school activities & football games hosted once a week at Tynecastle Park.
The One City Trust is an independent charity fighting inequality and exclusion in the City of Edinburgh with the 'Lord Provost's Rapid Action Fund' aimed at delivering grants to community projects.
Denis Dixon, Councillor for the Sighthill/Gorgie Ward and Board Member of the One City Trust said:
"It was a real pleasure to attend the Big Hearts' event as a representative of One City Trust. A cheque was presented to the charity for £2,000. It is hoped that the money will greatly assist in improving the wellbeing and social connections of young people who are new to the community and trying to integrate. The T.E.A.M project is fantastic and I recognise all the good work that Big Hearts does."
Caryn Kerr, Fundraising and Development Manager at Big Hearts said:
"We are thrilled to receive the support from the Lord Provost's Rapid Action Fund to develop our T.E.A.M Project and achieve Big Hearts' ambition to build a local community where all cultures and backgrounds thrive together."
"The T.E.A.M Project enables pupils who are identified as socially isolated or vulnerable and come from a wide range of backgrounds, to play games with other children from the same neighbourhood helping them improve their confidence and make new friends."
Click here to find out more about the T.E.A.M Project.
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text:
This was Glynneath's first visit to Harlequin Road since 2013, when they won a Division Two game 85—14.
On a grey drizzly afternoon on a heavy pitch, the first half was not the inspiring rugby we have been treated to by Glynneath so far this season. Both teams were guilty of handling errors, needless penalties and aimless kicking, and at half time Glynneath lead 10 - 3, due to an early exchange of penalties by Dylan Francis and Foard Cooksley of Quins, and a Glynneath try by Owen Nesbitt, converted by Dylan Francis.
The half time talk by the Glynneath coaches lead to a better performance by the Glynneath team, however it was Quins who put the first points on the board in the second half with a penalty by Foard Cooksley to make the score 10 -6 to Glynneath.
Glynneath forwards started to show some dominance which lead first to an unconverted try by Craig Tennant, and a further Stuart Leach unconverted try to make the score 20 – 6, with a further penalty try awarded to Glynneath after Quins pulled down a maul on their goal line, to make the score 27 – 6.
Further dominant play by Glynneath lead to Alex Burton going over for a try, which substitute Jack O'Reilly duly converted to make it 34 – 6 to Glynneath.
Quins continued to try and penetrate the Glynneath, but the experience of the Glynneath defence showed, except for in the final minutes when Glynneath were reduced to 14 men due to a sin binning which allowed Dan Helston to go over for a consolation try for the Quins.
Final score Aberavon Quins 11 Glynneath 34.
A bonus point win now puts the unbeaten Glynneath side top of Division One West Central, with our nemesis Skewen to come to Abernant Park next Saturday!
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"Just like a car crash. Just like a knife. The only truh I know... is the look in your eye!" --Ministry/"Stigmata"/Land of Rape and Honey/Circa 1988.
"Doodooodooodoo"... "I think I know who you remind me of. A girl, I think, I used to know"..."I used to sometimes try to catch her. But I never even caught her name!" --The Cure/"Catch"/Kiss me. Kiss me. Kiss me./circa 1987.
"I can't stand the girls @ my school. Filling me up with all their morals & their rules. All they do is pile all of their problems on my head. So, I'd rather go out, & fuck the dead! I wanna fuck; I wanna fuck, the dead! I can do what I want to, & they won't complain. I wanna fuck; I wanna fuck, the dead!" --TSOL/"Code Blue"/Dance with Me/circa 1984.
"I dare you to be real!" --Bauhaus/"Stigmata Martyr"/Unknown/circa early 1980s.
"Lovin' you's like fuckin' the dead!" --Type O Negative/"Black No. 1"/Bloody Kisses/circa 1993.
"I was waitin' to be caged. But somethin' stood in the way. I was never quiet tamed." --The Germs/"Manimal"/Anthology/circa 1978.
"When you're strange. Ppl come out of the rain. When you're strange. No one remembers your name. When you're strange. When you're strange. When you're strrrraaaannngggeee!!!" --The Doors/"People are Strange"/Forgotten/circa 1968.
"I am tnt! I'm dine-o-might. I am tnt! Oh, you won't win w/out a fight. Tnt. I'm a powerload. Tnt. Watch me explooooooode!!!!" --ACDC/"TNT"/Unknown/circa 1970s.
"Money it's a gas! So don't you give me any of that do-good bullshit!" --Pink Floyd /"Money"/Darkside of the Moon/circa 1974.
"Riboflavin-flavored, Polyunsatured, Only-One-Callorie Riboflavin-Blood." --45 Grave/"Riboflavin"/Sleep in Safety/circa 1983.


text:
Frequently Asked Questions
- What can be uploaded to BHUIR?
- Journal articles
- Theses & Dissertations
- Powerpoint Presentations
- Dissertations
- Presentations
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- Technical reports/Project Reports
- University documents
- Books, series, and journals
- Images
- Video and sounds files
- Who can upload documents to BHUIR?
- Creating an Account in BHUIR
- Uploading the Documents in BHUIR
- Institutional Repository Submission Instructions
- A digital (soft) copy of your research article, book chapter, or other scholarly product you wish to submit in the repository. Your manuscript copy (preprint or post print) of the article is preferred over the published version.
- Any descriptive information you have about the item, such as the name of the supervisor, abstract, relevant keywords or website link.
Any faculty member of Banaras Hindu University may upload scholarly publications. Additionally, research scholars and other doctoral candidates can also upload their research publications.
Go to BHUIR, click Register and enter your email account.
An email verification link will be sent to your registered account. Kindly follow the instructions in the mail to complete your registration.
Fill up the registration form and click register to login to your account.
BHUIR has been designed to make it very easy for faculty members and students to upload their publications. BHUIR staff will help faculty/students who wish to submit their research publications. If faculty/student would rather wish submit their research publications themselves, they should first register with BHUIR and write a mail to email@example.com to activate the submission facility. Please provide your affiliation details (the name of the faculty and the department) in the mail.
Please follow the steps given under the section Institutional Repository Submission Instructions to submit your work in institutional repository.
Any BHU faculty member can submit their scholarly work to the institutional repository following the steps explained below. If you are a student, staff member, or unaffiliated researcher with an interest in depositing content in the repository, please contact the BHUIR team for further instructions.
Before you begin, make sure you have the following:
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Please provide accurate, thorough information about the document you are submitting to the repository. Kindly ensure you have permissions to submit/upload the full text of your research article in the repository. Please refer www.sherpa.ac.uk/romeo/ website to find a summary of permissions that are given as part of each publisher's copyright transfer agreement to avoid any conflict of interest.
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Check for errors or missing information, and agree to the terms of our license agreement.
After submitting materials to the repository, our BHUIR team will begin working on the submission--verifying rights, preparing the file submitted, adding and editing metadata, and moving the repository copy of the work to the appropriate department. If there is an issue with your submission--for example, publisher restrictions prohibiting the posting of your work in a repository--a member of our team will reach out to work directly with the author on ways to proceed.


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Want to get really off grid? Check out our favourite remarkable remote islands from around the world.Read more...
Whalers' Museum, Lajes
A fascinating exhibition about whaling as it was in the Azores until 1985, this museum in Lajes hosts boats, tools, photographs and even a blacksmith's workshop.
This is a fascinating exhibition about whaling as it was in the Azores until 1985. The exhibits are appropriately displayed in three original 19th-century boathouses plus ancillary areas.
They include boats, tools and other artefacts, photographs, many good examples of scrimshaw, a blacksmith's workshop and much else, as well as a library well stocked with titles about whaling and cetaceans. Twenty years ago it was a tiny museum where you often had to get the key from a nearby house. Long-held ambitions for a museum to truly reflect the bravery and lifestyle of the Azores' whalers have now been realised and the displays are constantly being improved. The museum provides an essential experience for any visitor wishing to understand the role of whaling in the social and economic history of the islands.
Azores articlesView all
The world's greatest safari experiences
From hot-air balloons to canoe trips, we pick our favourite safaris to enjoy across the world.Read more...
Six reasons to visit the Azores
From extreme marine life to a relaxing atmosphere, the Azores offer a wide variety of travel experiences. Here, Sunvil Holidays describe why you should fall in love with this natural paradise in the mid-Atlantic.


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Year 2010 Every Sunday
01-01-2010 The first day of January
13-02-2010 The day preceding Lunar New Year's Day
15-02-2010 The second day of the Lunar New Year
16-02-2010 The third day of the Lunar New Year
02-04-2010 Good Friday
03-04-2010 The day following Good Friday
05-04-2010 Easter Monday
01-05-2010 Labour Day
16-06-2010 Tuen Ng Festival
01-07-2010 HKSAR Establishment Day
23-09-2010 The day following Chinese Mid-Autumn Festival
01-10-2010 National Day
16-10-2010 Chung Yeung Festival
25-12-2010 Christmas Day
Due to Volcanic Eruption in Iceland, all shipments to and from HK = Europe has been delayed until further notice. If you have any query, please contact our customer service at 2754 8600.
The dimensional weight calculation for all shipments will be altered
effective on 01st January, 2011.
New formula is :
( Length x Width x Height )cm and divided by 5,000
Effective from 01st November, 2011, UK Customs will be lowering the Low Value consignment Relief (LVCR) threshold from GBP18.00 to GBP15.00.
If an item is imported into UK that has a value of GBP15.10 or greater it will be subject to import VAT.
For any further information, please contact us at 2754 8600.
Fuel Surcharge for Export and Import Shipments
01/12/2018 – 31/12/2018 …… 16.5%
01/01/2019 – 31/01/2019 …… 16.5%
01/02/2019 – 28/02/2019 …… 16.5%
01/03/2019 – 31/03/2019 …… 16.5%
Flight Schedule for Christmas Holiday
Europe Countries
No flight on 24/Dec/2015 to 27/Dec/2015 and 30/Dec/2015 to 01/Jan/2016.
Far East Countries
No flight on 25/Dec/2015 to 27/Dec/2015
Year 2018 Every Sunday
01-01-2018 The first day of January
16-02-2018 Lunar New Year's Day
17-02-2018 The second day of the Lunar New Year
19-02-2018 The fourth day of the Lunar New Year
30-03-2018 Good Friday
31-03-2018 The day following Good Friday
02-04-2018 Easter Monday
05-04-2018 Ching Ming Festival
01-05-2018 Labour Day
22-05-2018 The Birthday of the Buddha
18-06-2018 Tuen Ng Festival
02-07-2018 The day following HKSAR Establishment Day
25-09-2018 The day following Chinese Mid-Autumn Festival
01-10-2018 National Day
17-10-2018 Chung Yeung Festival
25-12-2018 Christmas Day
26-12-2018 The first weekday after Christmas Day
Starting on October, 2011, we provided local delivery service.
For more information, please contact our customer service at 2754 8600.
2012 London Olympics Information
The 2012 London Olympics commence from 27/July to 12/Aug.
During this period, many obstacles that will be put in their way and road closures etc.
That will be delay deliveries and collections in UK during this period and also we will temporary stop all special deliveries and collection until 12/Aug.
If you have any query, please contact our customer services at (852) 2754 8600.
Fire at Dhaka airport warehouse
The fire at the Hazrat Shahjalal International Airport that broke out at a warehouse in the cargo village has been brought under control on 05th April 2013.
Unfortunately, some shipments which were kept in airport warehouse were totally burnt and destroyed. Others were being kept at the particular warehouse of the cargo village.
There will be delay for Customs clearance into Dhaka until further notice.
For any query, please contact us at 2754 8600.


text:
- Business Will Continue to Operate Without Interruption
- No Job Losses or Facility Closures Directly Resulting From the Filings
- Advanced Technology Effort Continues for Customers
- Supply Chain Remains Strong
SOUTHFIELD, Mich., Oct. 1 /PRNewswire/ -- Federal-Mogul Corporation
(NYSE: FMO) today announced that to separate its asbestos liabilities from its
true operating potential, the company and its United States subsidiaries have
voluntarily filed for financial restructuring under Chapter 11 of the
U.S Bankruptcy Code. In addition, Federal-Mogul subsidiaries in the United
Kingdom have filed jointly for Chapter 11 and Administration under the
U.K. Insolvency Act of 1986. No company subsidiaries outside of the
United States and the United Kingdom are included in these filings.
(Photo: http://www.newscom.com/cgi-bin/prnh/20000525/DETH025LOGO )
The filings, made today in the U.S. Bankruptcy Court in Wilmington,
Delaware, and the High Court of Justice, Chancery Division, London, England,
enable Federal-Mogul to develop a plan to resolve its asbestos liabilities.
During these restructuring proceedings, Federal-Mogul will continue business
operations without interruption, and with the full support of its major
customers and suppliers.
"Moving forward, Federal-Mogul will continue to serve its existing
customers, fulfill current contracts and secure new business," said
Federal-Mogul Chairman and Chief Executive Officer Frank Macher. "I have been
in close contact with many of our major customers and suppliers, who have
indicated that they will support Federal-Mogul during the restructuring
Federal-Mogul intends to work closely with asbestos claimants and other
creditors to develop a financial reorganization plan that will address
asbestos claims and establish a viable capital structure for the long-term
growth and profitability of the company's operations.
In conjunction with the filings, Federal-Mogul has obtained commitments of
up to $675 million in a new loan through debtor-in-possession financing from a
group of banks led by J.P. Morgan Chase & Co. Following the U.S. Court's
approval, Federal-Mogul can use these funds to meet the future needs and
obligations associated with normal business operations. This includes payment
under normal terms to suppliers and vendors for all goods and services that
are provided after today's filing.
"After vigorously working for a legislative solution and operating nine
months with our new litigation approach for managing asbestos claims, we have
determined that the Chapter 11 and Administration processes are the only way
we can effectively structure payments for claimants without financially
crippling the operations of Federal-Mogul. This voluntary, but difficult,
decision to file enables us to continue our operations with the same high
level of commitment to our product quality and innovative technologies
required to competitively serve our customers," said Macher. "Federal-Mogul
is a very good company with dedicated, talented employees. We have a long
history and a solid future providing we take this undeniably difficult
No Federal-Mogul job losses or facility closures are expected as a direct
result of the filings. The company expects its employees worldwide will
continue to be paid in the normal manner and that their benefits will not be
disrupted. Federal-Mogul's qualified U.S. and U.K. pension plans for retirees
are protected by law.
Macher said the goals of Federal-Mogul's restructuring include:
-- Continue business operations without interruption, including the full
support of its customers.
-- Continue to compensate and reward our employees as valued corporate
-- Create an environment where our employees can focus on serving our
customers without distractions.
-- Grow the business on a global basis.
-- Invest capital and human resources in core businesses for our ongoing
competitive advantage.
-- Develop advanced technologies to maintain performance leadership.
-- Provide for asbestos claimants.
-- Complete the restructuring proceedings in a reasonable time frame.
-- Treat creditors and shareholders fairly.
"The operations of Federal-Mogul are fundamentally sound," Macher said.
"We have a clear leadership position in many of our major markets, and our
products are vital to the automotive industry. We have a loyal, global
customer base, strong technology in our core products, and the best brand
names in the industry. These business strengths combined with our employee
talent forms a solid foundation for long term success.
"Today's action provides a means for effectively separating our company's
acquired asbestos liabilities from our true operating potential, thus paving
the way for Federal-Mogul to emerge from the reorganization process as a
stronger, more competitive enterprise," Macher added. "We remain committed in
our efforts to bring about a legislative solution for managing asbestos
Federal-Mogul is one of more than 30 companies involved in
asbestos-related litigation to voluntarily file for Chapter 11 since 1982.
Ten companies involved in asbestos-related litigation have filed since
January 1, 2000.
In the United Kingdom, the Administration Order is a court order placing
Federal-Mogul's U.K. businesses under the control of a court-appointed
administrator. The order is intended to preserve the company's business and
allow a reorganization of its assets while protecting it from actions by
creditors and asbestos claimants. While these filings are independent of the
U.S., every effort is being made to maintain a mutual goal of reorganization.
For more information on Federal-Mogul's financial restructuring, visit the
company's web site at http://www.federal-mogul.com. For questions or
informational needs beyond what is available on the web site, the following
call centers have been established:
-- Suppliers serving operations in the United States and Canada may call
1-888-333-6645 or 1-248-354-7860
-- Suppliers serving operations outside of the United States and Canada
may call the following toll-free numbers: from the United Kingdom --
0800 389 6881; from Germany -- 0800 181 8324; from France --
0800 919 605; from Italy -- 800 783 590; from Spain -- 900 938 958.
Suppliers calling from any other country can dial +44 161 490 2650.
-- Customers, employees, investors, retirees and friends of Federal-Mogul
may call 1-888-711-3981 or 1-248-354-7884
Federal-Mogul Hosts Restructuring Conference Call
Federal-Mogul will be hosting a conference call at 1:00 p.m. EDT today,
Monday, October 1, to discuss the company's financial restructuring. The
conference call will feature remarks by Frank Macher, chairman and chief
executive officer. Chip McClure, president and chief operating officer and
Mike Lynch, executive vice president and chief financial officer, will join
Macher during the question and answer period. To participate in the call,
dial 1-719-457-2650 and give 515570 as the Federal-Mogul RSVP confirmation
code when requested. Please dial into the conference 15 minutes prior to
1:00 p.m.
Federal-Mogul expects to report its financial results for the third
quarter of 2001 in a Form 10-Q scheduled to be filed with the Securities and
Exchange Commission no later than November 14, 2001.
Headquartered in Southfield, Michigan, Federal-Mogul is an automotive
parts manufacturer providing innovative solutions and systems to global
customers in the automotive, small engine, heavy-duty and industrial markets.
The company was founded in 1899.
Certain statements contained or incorporated in this press release which
are not statements of historical fact constitute "Forward Looking Statements"
within the meaning of the Private Securities Litigation Reform Act of 1995,
the Act. Such statements are made in good faith by the Company pursuant to
the Safe Harbor Provisions of the Act.
Forward-looking statements include financial projections, estimates and
statements regarding plans, objectives and expectations of the Company and its
management as well as the Company's views regarding industry and economic
conditions and trends. Among the forward-looking statements that may be
included in this press release are statements regarding plans to implement
restructuring initiatives, plans to address issues related to financing of the
company's business operations, statements regarding industry conditions, and
statements regarding the scope and effect of asbestos liabilities.
These forward-looking statements involve known and unknown risks, which
may cause the Company's actual results to differ materially from any future
results expressed or implied by such forward-looking statements. Such risks,
uncertainties, and other factors include, without limitation, fluctuation and
demand for both original equipment and replacement components in the
automotive, heavy-duty vehicular and industrial market, the effect of certain
global and regional economic conditions, the ability of the Company to control
operating and other costs, legal proceedings and claims (including
environmental and asbestos matters) involving the Company, changes in the
Company's relationships with customers and suppliers, the effect of the
bankruptcy filing by the Company and its subsidiaries and the filing for
administration by the Company's U.K. subsidiaries, legislative risks and
uncertainties, and other factors some of which are beyond the Company's
Federal-Mogul assumes no obligation to update any forward looking
information contained in this press release.SOURCE Federal-Mogul CorporationPhoto: NewsCom: http: //www.newscom.com/cgi-bin/prnh/20000525/DETH025LOGO PRN Photo Desk, +1-888-776-6555 or +1-212-782-2840Web site: http: //www.federal-mogul.com CONTACT: Media Relations, Kimberly A. Welch, +44 207 973 5900, Jim Fisher, +1-248-354-9809, or Dieter Mueller, +49 611 201 9100, or Investor Relations, Janet Halpin, +1-248-354-8847, all of Federal-Mogul CorporationCAPTION: DETH025LOGO FEDERAL-MOGUL LOGO Federal-Mogul Corporation Logo. (PRNewsFoto)[KI] SOUTHFIELD, MI USA 05/25/2000


text:
4k00:073D animation of 2D vector graphics, graphs and charts across a screen showing data visualizations and information. Created in 4k.
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4k00:19The Concept of: Digitalization of Information Flow Moving Through Rack Servers in Data Center. Shot on RED EPIC-W 8K Helium Cinema Camera.
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4k00:30Gently falling snow isolated on black background in 4K to be used for composing, motion graphics, or as a background or overlay.
4k00:53Hand Drawn Liquid Transitions 24 fps motion graphics package features 4K resolution animation pack of hand drawn dynamic and fun liquid transitions with alpha channel. Easy to use and customize.
4k00:10IT Engineer Moving Followed By Conceptual Representation of Digitization of Information Flow Moving Through Rack Servers in Data Center. Shot on RED EPIC-W 8K Helium Cinema Camera.
4k00:20Flash FX Extreme Transitions is a unique dynamic collection of transitions of different elements like: energy, electric lights, smoke, fire, liquid, splash. This Motion graphics includes alpha channel
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4k00:182d Explosions Cartoon FX Pack 4K 10 Shape Elements and Liquid Elements. Drag and drop, easily change colors. Pre-rendered with alpha channel with 4K resolution.
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4k00:22Beautiful white watercolor ink drops transition on black background, paint bleed Bloom, with circle organic flow expanding, pure splatter spreading. Perfect for motion graphics, digital composition
4k00:09Professional Female Architect Wearing Makes Gestures with Augmented Reality Headset, Shows Statistics for 3D City Model. High Tech Office Use Virtual Reality Modeling Software Application.
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4k00:21Retro abstract 80's 90's design pattern background. Memphis style with geometrical shapes of different vintage colors. Seamless 4k pop art design.
4k00:24Liquid Transitions Pack.Hand Drawn Liquid Transitions motion graphics package features 4K resolution animation pack of hand drawn dynamic and fun liquid transitions with alpha channel.
4k00:12Hipster engineer works with blueprint. Shoot from above. Young architectural engineer working in office. Bearded man in glasses makes sketches. Loft style, minimalistic interior, drawings on the table
4k00:30Digital data globe - abstract 3D rendering of a scientific technology data network surrounding planet earth conveying connectivity, complexity and data flood of modern digital age
4k00:10Abstract glowing virtual neural network. Futuristic coding or Artificial Intelligence concept. Seamless loop 3D animation rendered with DOF 4k (4096x2304)
4k00:11Beautiful Businesswoman Gives Report/ Presentation to Her Business Colleagues in the Conference Room, She Shows Graphics, Pie Charts and Company's Growth on the Wall TV.
4k00:13The Concept of: Digitalization of Information Flow Moving Through Rack Servers in Data Center. Shot on RED EPIC-W 8K Helium Cinema Camera.
4k00:12Flash FX SMOKE elements motion graphics pack features hand-drawn 24 frames per second animation of cartoon smoke effects in 4K resolution. Alpha channel included. Just drop it into your project.
4k00:12Beautiful Businesswoman Gives Report/ Presentation to Her Business Colleagues in the Conference Room, She Shows Graphics, Pie Charts and Company's Growth on the Wall TV.
4k00:04Close-up of thick piece of ice cracking on isolated black background. Great for compositing or motion graphics. 4k
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4k00:26HILTON KWAZULU-NATAL/SOUTH AFRICA - APRIL 25 2018: A motion graphic video animation illustrating growing like and share popularity on the Facebook Google+ Instagram Youtube and Twitter social medi
4k00:09Male and Female Architects Wearing Augmented Reality Headsets Work with 3D City Model. High Tech Office Professional People Use Virtual Reality Modeling Software Application.
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4k00:15HUD infographic Alpha PNG.Technological pattern.Good for tech video overlay.As HUD infographic material texture for 3D models animation.


text:
Generic vs Minted
Who Produces Minted Coins
United States Mint, Royal Canadian, Austrian, Australian – Perth, South African
What Major Coins are produced by Mints
American Eagles, American Buffalo, Maple Leaf, Philharmonic, Krugerrands
Are Minted Coins Legal Tender?
Yes – Coins that are produced by mints are considered legal tender. This is one of the main reasons that they have a higher premium than generic coin products.
Generic Refineries
Johnson Matthey (JM), Englehard, Pamp, Credit Suisse, NTR, Sunshine. These are just a few of the refineries around the united states and world that produce coins and bullion products.
Some Advantages of Minted vs Generic Products
Popularity – Minted products are much more popular in the market place. Customers around the world will recognize minted coins.
Re-Sale – Traditionally, coins or bars produced by mints will have a higher resale price. The initial premium for the legal tender coins creates a higher value than the generic coin. Even though they are the same troy ounces, the minted coins will return a higher value.
Packaging – Most minted products will come in a mint tube, plastic and in larger bulk purchases sealed boxes.
Some Disadvantages of Minted vs Generic Products
Cost & Premiums – All Minted coins are produced by a large manufacture mint creating extra costs for the product to be made. This is reason that the premiums for Silver American Eagles is higher than the cost for silver buffalo rounds. Each mint establishes there own premium or manufacturing cost for the coins.
Re-Sale – Minted coins on there resale value usually are in the small percentage or value above spot. The spot prices have to move the initial purchase price value above spot to create a profit on the coin or bar. Generic rounds will always be purchased at spot or +/- a very small amount around spot. At the end of the day the metal can always be melted down to the troy ounces of weight and sold for spot.
All information and views are only opinions from DBS Coins, Please give us a call at 888-327-9205 ext 101.
Bullion News
- SPDR Gold Shares (GLD) Stake Increased by Wealthstar Advisors LLC May 27, 2019Wealthstar Advisors LLC lifted its position in SPDR Gold Shares ... to reflect the performance of the price of gold bullion, less the Trust's expenses.
- HL Financial Services LLC Purchases 320 Shares of SPDR Gold Shares (NYSEARCA:GLD) May 27, 2019HL Financial Services LLC's holdings in SPDR Gold Shares were worth ... QCI Asset Management Inc. NY lifted its position in shares of SPDR Gold ... of the Trust is for the Shares to reflect the performance of the price of gold bullion, ...
- SPDR Gold Shares (NYSEARCA:GLD) Position Increased by Pendal Group Ltd May 27, 2019Finally, LPL Financial LLC raised its position in shares of SPDR Gold ... the Trust is for the Shares to reflect the performance of the price of gold bullion, ...


text:
If you were to become disabled due to an illness or injury, how would your cash
flow be affected? Would you have enough income to meet monthly expenses? This calculator
can help you estimate your need for income protection in the event you become disabled.
Based on the information you provided, the amount of income shortfall you might experience during a long-term disability is shown below.
Long-term disability (LTD) benefits are taxable when the employer pays the premiums, reducing an already limited benefit. In addition, employer provided LTD, even if employee paid, may not be portable. Disability income insurance coverage is generally limited to 60 percent to 70 percent of salary and typically has a monthly cap. Income may not be fully covered due to the cap. Bonuses are not counted as covered income by most LTD policies.
Income may be available from the following sources, but only for a limited time:
This chart shows the percentage of your monthly expenses that you may need to replace
in the event of a long-term disability. A disability income insurance policy is
one tool you may want to consider to help you address this potential shortfall.
Social Security pays disability benefits, but you must be considered totally disabled,
and it can be difficult to qualify for benefits.
This hypothetical example is used for illustrative purposes only. Actual results will vary.
The information in this calculator is not intended as tax or legal advice, and it
may not be relied on for the purpose of avoiding any federal tax penalties. You
are encouraged to seek tax or legal advice from an independent professional advisor.
The content is derived from sources believed to be accurate. Neither the information
presented nor any opinion expressed constitutes a solicitation for the purchase
or sale of any security.
This material was written and prepared by Emerald Connect, LLC.
© 2019 Emerald Connect, LLC. All Rights Reserved.
Securities offered through Registered Representatives of Cambridge
Investment Research, Inc., a brokerdealer, member FINRA/SIPC. Advisory
services offered through Bay Financial Planning and Tax Services, a
Registered Investment Adviser. Chesapeake and Bay Financial Planning and Tax
Services and Cambridge are not affiliated.
This message may contain confidential information and is intended for use only by the addressee(s) named on this transmission.
Broadridge Investor Communication Solutions, Inc. does not provide investment, tax, or legal advice. The information presented here is not specific to any individual's personal circumstances.
To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.
This communication is strictly intended for individuals residing in the state(s) of AZ, CA, DC, DE, FL, MD, MA, NM, NY, NC, OK, PA, TN, TX, VA and WI. No offers may be made or accepted from any resident outside the specific states referenced.