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CoverWallet is a leading innovator for online commercial insurance services. Recognized as a global startup leader by CNBC and featured as an Upstart 100, CoverWallet uses easy-to-understand web applications combined with analytics, and technology to help small business owners get the right insurance quickly and without hassles.
The CEO, Inaki Berenguer, is no stranger to tech startups.
Inaki Berenguer, CEO & Co-founder, CoverWallet
Inaki Berenguer, the CEO and co-founder CoverWallet, has been recognized for technology innovations his entire career. He has both a master's degree and a doctorate in engineering from Cambridge University and was a two-year Fulbright Scholar at Columbia University. Inaki co-founded Contactive, a data platform for telephone calls now owned by Fuze. He was also the co-founder of the internet startup Pixable that was bought out by SingTel, the second-largest telco in the world.
We were excited to sit down and ask Inaki about his ideas on the future of insurance tech.
Business Owners Considerations in Insurance Providers
Fit Small Business (FSB): Small business owners don't realize that an insurance broker is more of an advisor or partner to their business. What do you think small business owners need to understand most when it comes to choosing whom to work with?
Inaki Berenguer: Small business insurance has traditionally been a complex, analog, and time-consuming process, requiring dozens of pages and paperwork and taking several days. As a business owner, time is one of your most valuable assets. When it comes to insuring your business, it's important to work with someone who is going to get you the right coverage at a good price, and who is also going to make it quick and easy.
We take out the inefficiencies involved in the insurance process and make it simple, online, and convenient so that business owners can get the coverage they need and get back to what matters most—their business. If a business wants to go through the full insurance process online, they can, and if they want to work with an advisor, CoverWallet has a team of licensed insurance experts ready to assist and provide advice.
Understanding a Business Owner's Needs
FSB: Some industries or businesses have unique insurance needs. What are some of the things a small business owner should consider to ensure they are picking coverage?
Berenguer: The type of insurance coverage for a particular business depends on its specific industry. A contractor needs different insurance than an accountant who needs different insurance than a startup founder. A licensed advisor can help explain the different types of policies and coverages and what your business should purchase.
Additionally, there are a few tools that help make it easy to understand the different types of insurance and what your specific business needs. With the Advice tool from CoverWallet, a business simply enters its location, industry, and size, and we use data to show the types of policies businesses like them typically purchase and what they cost.
Innovating Insurance in the Future
FSB: Insurance providers need to be forward-thinking. What do you see as the big new risks emerging that small business owners need to be aware of and address?
Berenguer: In general across the board, the frequency of cyberattacks has increased in the past decade, and everyone has seen the headlines about major incidents against businesses. Cyber incidents can affect businesses of all sizes, and research shows that around 40 percent of cyberattacks target small businesses. With an estimated cost of a breach of about $120,000 for small businesses, there's a lot at risk.
Cyber liability insurance provides protection in the event of security-related claims, including data breaches or network failures. These policies tend to offer very broad coverage at relatively affordable rates, and they can be purchased online in just a few minutes. It's an additional level of protection that can be added very conveniently.
Insurance for Expanding Business Needs
FSB: Ideally, businesses grow and evolve into bigger, more successful companies. What is the most important thing for a small business owner to consider in regard to his insurance as his business expands?
Berenguer: As a business grows and builds its team, gets its own office space, brings on more investors, and adds to its customer base, its insurance needs evolve. For example, you might start with a simple general liability policy or a business owner's policy, but you'll likely need to add directors & officers insurance if you raise investor money and worker's compensation coverage when you hire an employee.
It's important to work with the right insurance partner that helps you understand new risks that come up and the new coverages you should consider adding as you expand. We have a dedicated team for high-growth companies to help them navigate insurance since their needs change over time.
CoverWallet's Edge to Help Small Business Owners
FSB: What are some of the primary areas CoverWallet focuses on when it comes to helping small business owners navigate the world of insurance?
Berenguer: We built our platform with data science, design, and state-of-the-art-technology to make insurance fast, simple, and convenient, and we work with businesses across all types of industries to help them get the right insurance. Through our platform, you can understand what commercial insurance you need and why you need it, get quotes, and complete the purchase of a customized policy all online, in a few minutes. Additionally, you can manage your coverage through the platform, including generating instant certificates of insurance.
We know that business owners have a lot on their plates. You shouldn't have to spend unnecessary time worrying about insurance, trying to buy coverage, and managing it.
What CoverWallet Does for Small Businesses
CoverWallet has a cutting edge online platform that helps small business owner obtain business insurance in a fast, easy-to-understand manner. The application allows CoverWallet to shop policies among many insurance carriers to provide the right protection for the best premium price possible. CoverWallet reviews show the company does an excellent job of helping small business owners in tough industries such as landscaping quickly get the right policy.


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Mobile ordering for several Dining Services venues now available through Grubhub
Want to skip the line, grab your food and get on with your day? As part of our continuing efforts to enhance the student, faculty and staff experience, WVU Dining Services is happy to announce that we have partnered with Grubhub, an app that allows users to order and pay for food ahead of time for quick pickup at select locations on campus. The on-campus locations using Grubhub are: Which Wich in the Mountainlair, Bits & Bytes in the Engineering Sciences Building, Brew 'n Gold at Evansdale Towers, da Vinci's at Evansdale Library, Park Place at Oakland Hall, and Mindful and Burgershop at The Market @ WVU.
Head to Grubhub's app to get started. After you make your selections from the location's menu, payments can be made by credit/debit card, Dining Dollars, Mountie Bounty, or Prime plan meal swipes. After the wait time, you'll find your order at the location by the pickup sign.
From now until Oct. 15, there is no additional transaction fee charged to the user for ordering through Grubhub; however, after that, there will be a $0.59 fee with each transaction. For a step-by-step process of the Grubhub ordering process, click here. For questions about Grubhub at on-campus locations, email email@example.com or call 304-293-3166.

subset: commoncrawl


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The user can change the temperature by turning a ring; the temperature appears on an LED display.
How did they do it, in spending little time and cash to put it all together? They cut out wood and plastic and added Spark Core and control logic. That's the short story. For those who want to understand, though, what they actually had to do to make this work, the Spark team posted a generous discussion, step by step.
Read more at: Phys.org


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Bill Brand, Redondo Beach's 61-year-old mayor, is never one to remain idle.
Two weekends ago, for example, the longtime surfer escaped to Orcas Island, in Washington, absorbing nature and relaxing among wildlife.
Back in town on Tuesday, Aug. 20, he oversaw another marathon City Council meeting lasting past 11 p.m. And that Thursday, he saw the Rolling Stones, the legendary rockers he grew up listening to, at the Rose Bowl.
"Jagger is unbelievable," Brand said. "He's 76 and performs like he did when I first saw them in 1973. The only differences are wrinkles and hair dye."
It was an impressive string of activity — especially since Brand is fighting stage 4 lung cancer.
The disease required him to spend Wednesday — the day between the council meeting and the Stones concert — getting spinal radiation treatment to fight the cancer, which has already resulted in a small brain tumor.
It has been more than two months since the mayor lost consciousness on an airplane heading to a conference in Mexico. That was the first sign of the brain tumor, roughly two centimeters in diameter, doctors would discover was a result of lung cancer.
Brand, who never smoked aside from a brief period in high school, is among a growing number of nonsmokers stricken with lung cancer each year.
While the brain tumor will likely vanish, according to doctors, the lung cancer remains a threat.
And so, like millions of other Americans who receive news of a life-threatening disease, Brand has had to quickly adjust to a new reality. It's a life change many can't even imagine.
Brand has adapted, it seems, relatively well — even keeping up his task as the elected leader of Redondo Beach. Modern medicine, in many ways, has helped.
In mid-June, for example, Brand received a targeted radiation treatment on the brain tumor from Dr. Karen Sokolov, a radiation oncologist at City of Hope in Torrance.
The treatment was so effective in attacking only the tumor and not the rest of his brain that Brand appeared back on the dais just a day later to conduct a city council meeting.
And that, for Brand, was significant.
The people's work goes on
That's because missing a meeting, for Brand, is virtually unheard of.
Brand served eight years as a councilmember before being elected mayor in 2017. In all that time, Brand can count on two hands how many meetings he has missed.
Still, that doesn't mean his perspective hasn't changed: He has, in fact, begun to see the bigger picture, Brand said recently.
And while some choose to retreat into solitude with such a prognosis, Brand's resolve has strengthened, especially when it comes to his political debates.
"It's engaging and challenging and fun and frustrating," Brand said about his work as mayor. "My passion hasn't waned, and I enjoy working with the staff and my colleagues and members of the public.
"It gives you purpose," he added. "And I enjoy it."
As for his biggest political goal — seeing a park at the site of the AES power plant — Brand said it feels more urgent.
There was no bigger fight for Brand during his more than 12 years as an elected official than the AES power plant. Early in his political career, Brand fought a plan to replace the current AES power plant with a newer version. That plan was ultimately scrapped, and next year the plant will close entirely — with the new owner proposing a 25-acre park.
If that happens, it'd be a major victory for Brand.
"Another thing about lung cancer, a lot of people don't know about is what being exposed to smoke and pollutants do to you, what long-term effects they have," Brand said. "My biggest argument against the power plant is that it is exposing people to an increase in carcinogens."
Since his June cancer diagnosis, Brand has been on leave from his job as crew chief for American Airlines at Los Angeles International Airport. The mayor said he suspects he might have been exposed to air pollutants during his 40-year career there, but it would be difficult to know for certain what caused the cancer.
While Brand has alluded to his cancer to fight for his political goals, vis-a-vis the power plant, the mayor has another reason to be open about his diagnosis.
As the mayor and a public figure, Brand said he wanted to share his story publicly in the hopes that it helps others.
"I realized there are so many people out there who are dealing with life-threatening diseases that walk around scared and alone quite often," Brand said. "These are things you don't know about when you are healthy and everyone around you is fine, yet there are millions of people who find ways to live a semi-normal life."
Since getting his diagnosis, Brand has availed himself of local resources and even visited with some alternative healers. At the Cancer Support Community of Redondo Beach, he said, he met a whole culture of people dealing with life-threatening and debilitating diseases.
"I've been exposed to so many people who don't have the support base I have and the friendships," Brand said. "It's really something and they do it in such a graceful and uplifting way. It's remarkable."
Trying everything and following orders
Brand, meanwhile, said he has slowed down a little bit.
He can no longer enjoy a cold beer, for example, as doctors say they believe alcohol and excess sugars can feed the cancer cells. He has been following a keto diet, heavy on meats and vegetables, but low on carbohydrates. Brand, the consummate waterman, has also had to cut back on swimming and surfing, though he did get in the water recently. He calls it his therapy.
"I'm learning to live a life that's less than what I used to have," he said. "I'm not planning a ski trip this year. Let's put it that way. You turn to other elements of life to look for fulfillment and purpose."
As for alternative healing, Brand said, he's willing to try pretty much anything. He visited recently with Amma, a spiritual healer from India known for her hugs, when she toured through Los Angeles in June. And he is planning to try something called crystal bowl sound therapy.
Brand, who was raised Episcopalian, attends St. James Catholic Church on occasion, but said he mostly finds spirituality in nature.
When meeting with Amma, as she extended her arms in a warm embrace, Brand tried to take in whatever healing powers she might have. Millions of people have flocked to her from around the planet.
"It's a different kind of spirituality," Brand said, "than the more traditional form that I was raised on and practiced my whole life.
"I'm open to most religions and spiritual thinking," he added. "I find it relaxing, comforting and calming."
None of that takes away, of course, from the incredibly high-tech treatment at the City of Hope in Torrance, where physicians such as Dr. Sokolov are on the front lines of the modern plague.
In Brand's case, he represents a growing percentage of lung cancer patients who are nonsmokers. One study that looked at lung cancer patients in the U.S. over a roughly 20-year period, found the proportion of nonsmokers nearly doubled, from 8% to 15% during that time, Sokolov said.
"I think we need more cancer registry data to collect information on smoking to carefully examine the trends," Sokolov said, "but there is some evidence to suggest incidents of lung cancer among never smokers is rising."
Brand has been placed on a drug that targets a specific genetic mutation. Sokolov described it as turning off a switch. These targeted drugs, still extremely new in their usage, could take the place of chemotherapy depending on how well a patient responds.
"Unfortunately, lung cancer is just an aggressive disease," Sokolov said. "It doesn't overtake the horrible biology of this disease."
Always the optimist, Brand has found the bright side to it all.
"What having this all of a sudden means to me personally is just realizing and being more thankful for what I've had," Brand said, "and this is just another journey that I didn't elect to go on like so many others out there."
Then, like the veteran public servant he is, he turned his experience into a teachable moment.
"People should appreciate their health," Brand said, "and take full advantage that they are healthy and make the most of their lives and their relationships.
"Because," he added, "it can turn on a dime."


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The Affordable Care Act (ACA) has been around long enough that most businesses have settled into meeting its requirements, including mandatory reporting. This is good, since in 2020, the penalties for not complying with the ACA are going to increase. Take the time to review your plan and reporting and ensure you're not making some basic mistakes that will likely result in fines. Affordable Care Act Section Read More
Plan Sponsors Beware: The Importance of Retaining Employee Benefit Plan Documents
Fiduciaries and plan sponsors have a number of important tasks that they're responsible for each year, from making sure employees have help getting their benefit plans set up to handling the different transactions needed to maintain the plan's records and sending in all necessary paperwork and compliance reporting. Participant notifications are another important task, as is monitoring the changing legislative and Read More
DOJ Argues in Favor of Striking Down the ACA
Recently, the U.S. Department of Justice (DOJ) argued in court in favor of striking down the Affordable Care Act (ACA). In front of the federal appeals court, the DOJ argued that the removal of the individual mandate provision from the ACA renders the entire law unconstitutional. The brief supports the ruling issued by a Texas federal court that declared the ACA unlawful after a challenge by Texas and other Read More
IRS Expands Determination Letter Program
When setting up a benefit plan such as an individually designed 401(k) retirement plan, many businesses prefer to get the reassurance of an IRS determination letter to ensure their plan is compliant with all applicable laws and regulations. In a 2016 Revenue Procedure update, the IRS indicated that they were eliminating the program that allowed plan sponsors to request a determination letter for an individually Read More
Case Study: Retirement Plan Redesign for Rapidly Growing Company
This blog is an excerpt of Anne Tyler Hall's book "Case Studies in ERISA: Why It Matters And How It Benefits You, A Plan Sponsor's Guide To Employee Benefits Legal Compliance" request your free digital copy of the book here. Client: A professional services organization with approximately 350 employees and approximately $100 million in retirement plan assets. The organization grew rapidly over the past Read More
Final Conscience Rule from HHS
President Trump has been in the news promoting his promise to take steps to protect conscience and religious liberty of individuals and health care entities. He signed an executive order to this effect in May 2017, and 2017 the Department of Justice directed the U.S. Department of Health and Human Services (HHS) to implement religious freedom laws. Recently, the HHS Office for Civil Rights (OCR) issued a final Read More
DOL Appeals Association Health Plan Ruling
In a recent blog, we discussed the court's ruling regarding Association Health Plans (AHPs). In the month following the court's ruling on AHPs, the Department of Labor (DOL) decided to appeal the court's decision and filed a notice of intent to appeal the March ruling that they exceeded their statutory authority based on ERISA. The court also found that the DOL rule that defines "employer" to include associations of Read More
IRS Updates Operational Compliance List (OCL) for 2019 Changes
Since regulations and laws change regularly, the IRS keeps an Operational Compliance List (OCL) plan administrators can use to ensure the benefit plans they're responsible for overseeing are in compliance with the latest rules. Recently, they released the changes that will be in effect this calendar year, which include the following important items: Bipartisan Budget Act of 2018, Sections 41113 and 41114 Read More
Court Imposes Stringent Noncompliance Penalties for COBRA Failure
COBRA, the Consolidated Omnibus Budget Reconciliation Act of 1985, as amended, generally gives employees who are leaving a company that has 20 or more employees the right to continue their health benefits for themselves and their dependents for a period after their departure. A recent court decision, Morehouse v. Steak 'n Shake, Inc. out of the Southern District of Ohio, highlighted the importance of having a clear Read More
Recent Court Decision Highlights Importance of Clear Anti-Assignment Language in Health Plan Documents
A recent, comprehensive court ruling in the Southern District of New York upheld an anti-assignment clause in a health plan. The court made a point of addressing each of the arguments advanced in Medical Society of the State of New York vs. UnitedHealth Group, (SDNY, March 28, 2019) to ensure clear precedent was set for future cases. While this isn't the first court to rule in favor of the health plan on this issue, Read More


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Yesterday was a good day...
I saw the sunrise.
I walked through the morning dew.
I found a penny on the sidewalk.
I watched crows, overhead, as they flew.
I saw hugs and smiles at a wedding
I attended down by the sea.
I found out a friend who has been battling awhile...
is finally cancer free.
I heard a song I love on the radio.
I ate chocolate kisses for a snack.
I waved at a baby I didn't even know...
who smiled and happily waved back.
I saw the sunset over the water.
I watched a city come alive with light.
I heard from my children and grandchildren.
I kissed my wife goodnight.
Today I awoke to a foggy sunrise
and as I walked through the morning dew
I thought to myself...
You know what?
Today's looking pretty good too.


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All participating Democracy Voucher candidates have reached their campaign limits, which marks the closing of the program for 2019. (10/31/2019)
If you have not used your vouchers, you may recycle them.
Coming 2021
Who will receive Democracy Vouchers?
Registered voters in Seattle and those who apply for the program will receive Democracy Vouchers beginning 2021.
Which elected positions are eligible for Democracy Voucher funding?
The mayor, two city council at-large positions, and the city attorney's race will be eligible for funding.


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Protect H2S Safety Ltd.
- PO Box 21059
- Grande Prairie , AB CAN T8V
- Map It
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- Alan Morison
- (780) 518-9527
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Cleaning Equipment - 10 Units-Hydrogen Sulfide Mobile Scrubbers For Sale 10 Units ........................................................... $500,000 OR 1 Scrubbing Unit .............. More Info
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*Commercial Financing provided by Currency Capital, LLC and loans made or arranged pursuant to California Finance Lenders Law license number 60DBO-56173. Loans are subject to credit approval and monthly payments illustrated above are based on terms available to highest qualified candidates and subject to additional documentation and prefunding fees, terms and conditions. Currency Capital, LLC is an independent finance company and is not the manufacturer or supplier of any equipment. Currency Capital, LLC is not a consumer lender and any consumer financing will be referred to a consumer lender.


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Serve God. Love Miami.
We are passionate about courageously going into our community to share the Gospel and love others. We have partnered with several local organizations that are doing great things for so many people here in Miami. With these partnerships, we create service projects throughout the year that are designed to send anyone from of our church into our city to be the hands and feet of Jesus in our community!
Fill out the form below to get started and we will have someone reach out to you.
Current Project: Homeless Ministry
Every Sunday a team from our church prepares and delivers a meal for 100+ people in downtown Miami. You can help by:
1. Providing food when you come to church.
Any fruit, chips, cold cuts and bread can be delivered to Harrell Hall any Sunday before 3pm. Just write "homeless" anywhere on your bag and you can leave it on the kitchen counter.
2. Prepare food bags
You can help prepare the 100 meals that we bring each week. From 3-4pm in Harrell Hall, you will be preparing sandwiches and packaging meals.
3. Deliver and Handout Food
Travel with the Homeless Ministry Team to downtown Miami to bring food to needy people and share the love of Christ with them.
For more information, please fill out the form below.


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Handles and knobs are essential components of pots and pans. They also play an important role as a positioning asset, since they are a key plus of...Read more »
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For those who work in the cookware design industry, understanding how to make the most of the latest cookware trends is not so easy. While it is...Read more »
The cookware and accessories industry is expected to reach a global turnover of 4.6 million dollars by 2024. However, in more developed countries,...Read more »


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We thank God and celebrate the growth of our readership in the last 12 months.
Freedom needs spiritual values, internalised discipline and self-government. The truth will set us free, Jesus promised.
This week in the Netherlands we vote on the endorsement of the Ukraine-EU association agreement. Unfortunately, this is not just a Dutch matter. The sole and cynical purpose of the initiators of this referendum is to destroy the European Union. If the vote is negative–and polls suggest it will be–that has implications for Ukrainians first, and for Europeans in general.
The Eurosceptic initiators play on popular fears concerning refugee and migration issues. That the referendum is about Ukraine is actually coincidental. They have found a way to raise enough signatures via the internet to demand the first of what they hope will be a series of referenda on various issues to 'democratise' politics, they say, demanding popular involvement. Which may sound democratic, but is moving towards Facebook politics–and we all know what rubbish people post there.
While not legally binding, a negative result could force the government to re-appraise its earlier approval of the agreement which has to be ratified by all 28 EU members. The BBC reported on the Ukrainians' dream for their country to escape the pit of corruption and chaos. "They are still struggling to climb out. Dutch voters should not step on their fingers."
I'm upset that Dutch activists are so callous to the aspirations of the Ukrainians, and that the indifference and ignorance of the Dutch public on this issue is aiding and abetting their efforts to give Putin a victory; especially given the evidence of top-level Russian implication in the downing of MH17. Whether consciously or not, these populists are effectively part of Putin's European Trojan horse. All their arguments are standard Russian propaganda.
So what does this have to do with the Jeroen Bosch painting, 'The Garden of Earthly Desires' pictured above? Well, it's about freedom's borders. This weekend Romkje and I visited the sold-out exhibition of the celebrated Dutch artist's works brought together in his home town of Den Bosch for the first time ever. Bosch was strongly influenced by the Modern Devotion movement, as I wrote earlier, and dealt with themes of good and evil, virtue and sin, heaven and hell in surprising and arresting new ways in his art. While sometimes portrayed as a pornographer, he was actually a moralist warning of the consequences of false freedom.
The scene depicted above of naked riders circling on animals can be understood as a satire on the spectacle of the princely courts of his day. Set between panels depicting paradise and hell, the centre-piece declares that freedom needs restraints.
Which may sound like the populist argument against open borders: 'we need to protect our freedom by building walls to keep those different from us out.' But building walls is not the same thing as guarding borders. Walls prevent people from coming in. Borders regulate traffic.
This issue is crucial in Europe today: freedom and borders. The theme of the State of Europe Forum in Amsterdam next month (May 8 & 9) is the paradox that freedom needs borders to be sustainable. We are witnessing a polarisation between those demanding walls and a return to nationalism, and those pleading for openness. Some suggest while that is a healthy tension in a democracy, an open society needs to seek for the moral middle.
In a post-modern, post-communist and post-national world without borders, democracy and neo-liberal capitalism were assumed to be the global future. Most are awakening to the illusion of that dream. But is the answer to erect walls and return to nationalism? Finding that moral middle will be hard work.
Bosch touches on the heart issues of freedom. True freedom begins in the heart, being rightly related firstly to God, then to fellow humans. Freedom in this sense needs spiritual values, internalised discipline and self-government. The truth will set us free, Jesus promised. And where the Spirit is, there is freedom.
Yet Bosch painted not for religious institutions but for princes, kings and emperors: players in the world of politics and power. So how does that translate to our situation in Europe today? The debate on freedom and borders is one that we as followers of Jesus must not sidestep and spiritualise. Yes, Paul tells us that the weapons of our warfare are not carnal but are powerful for pulling down spiritual strongholds. Prayer is crucial.
But Paul also understood the power of persuasion (Acts 13:43; 17:4; 18:4; 19:8; 28:23). A Norwegian politician once challenged a YWAM colleague asking: 'why do you Christians offer answers to questions we don't ask, but not to those we do ask?'
That's why we gather in Amsterdam in five week's time: to understand the questions today, to seek for that 'moral middle', and to learn how to persuade on issues about freedom concerning refugees and migrants, responsible creation care, the family, the role of the churches in Europe today and the future of the EU.
Jeff Fountain is director of the Schuman Centre for European Studies, and speaks on issues facing Christians today in Europe. He writes at Weekly Word.
If you want to comment, or
An interview with the socio-political representative of the European Evangelical Alliance about how evangelical Christians work at the heart of the European Union.
Are Christians called to make a difference in environmental care? What has creation care to do with "loving our neighbours"? An interview with the Global Advocacy and Influencing Director of Tearfund.
An interview with Lars Dahle, of the Steering Committee of the Lausanne Movement Global Consultation on Nominal Christianity held in Rome.
Nico Spies, a Christian worker in Athens, gives details about the wildfires in Greece.
Photos of the student conference that brought together 3,000 European Christians in Germany. 'Revive our hearts, revive our universities, revive Europe'.
The first evangelical congress on childhood and family was held in Madrid. Pictures of the event, November 1-2.
Students, graduates and staff of the global evangelical student movement reflected together on how the books of Luke and Acts apply to today's universities.
Photos of the Lausanne Movement Global Workplace Forum, celebrated in Manila.
Many hope their effort will inspire a new generation of political representatives with a strong Christian faith. "God has a long-term plan".
"There is no biblical reason for the imposition of celibacy as the status of pastors or priests", says Vatican expert and evangelical theologian Leonardo De Chirico.
A video summary of the student conference that gathered 3,000 in Karlsruhe, Germany. 6 days in 6 minutes.
Requests for government intervention were ignored, and nearby churches are providing the displaced believers with emergency supplies and lodging.
"At this nativity, arose another player. The baby wrapped in swaddling cloths — He was a dragon slayer". A Christmas story by Speak Life.
The World Evangelical Alliance's General Assembly 2019 in Jakarta, Indonesia, brought together 800 evangelicals from 92 countries to pray, worship and cast vision for the new decade of holistic discipleship.
Opinions expressed are those of their respective contributors and do not necessarily represent the views of Evangelical Focus.


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Gardall LCF3214 Double Door Depository Safe
- Dimensions:
- Outside: 32.00" H X 14.00" W X 14.00" D
- Inside: 11.00" H X 13.00" W X 11.00" D
- Interior Cubic Feet: 0.91
- Weight: 174.00
- Burglar Rating: B-Rate Learn More
Gardall LCF3214 Double Door Depository Safe
When it comes to keeping your business's cash safe, an initial physical deterrent is often enough to deter an opportunistic thief. Having a Gardall LCF3214 Double Door Depository Safe in the office makes access to cash difficult enough to prevent many thefts. Many businesses have a large amount of cash in their offices at any one time, which is due to be transferred to the bank at a later date. This is also true of checks that should be safely stored until they can be moved to a secure location.
A recent study shows that a whopping $50 billion dollars are stolen from U.S. businesses by employees each year, and an estimated 75% of employees have stolen from their employer at least once. In light of these statistics, it's imperative to ensure a company's assets are protected. An employee cannot access the deposit once it has been dropped into the hopper. Having the double locking compartments can give business owners access to the deposits via the top locked section, while managers or other trusted employees can only access the bottom section of the safe and not the cash deposits.
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Gardall LCF3214 Double Door Depository Safe


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Djingle comes good in style
Djingle and Adrian Heskin
©© Photo Healy Racing By Gary Carson
Djingle put his rivals to the sword in great style in the John F McGuire Beginners Chase at Listowel this afternoon.
The John Queally-trained gelding had been placed on both starts since joining the Dungarvan handler and opened his account over fences with a wide-margin success.
Adrian Heskin's mount jumped up to lead at the first fence in the two-mile-one contest and made the best of his way home from there.
He had his rivals struggling three out and popped the last two in the straight to record a 19-length winning margin.
Heskin said afterwards:- "I was only a passenger on him to be fair. He's very headstrong but John has done a fantastic job with him, and he's a reformed horse since he came to Ireland.
"He came from France and had great form over there but lost his way a bit at Paul Nicholls. I think the set-up of a big yard didn't really suit him, and Max McNeill and his racing manager Ian Turner decided to send him over here and it's worked wonders for the horse.
"He was low at one or two but that's just the French way of jumping. He was very good over the last two when I was able to keep a hold of him."
John Queally added:- "He can be hard on himself as he's quite keen but he jumped spectacularly today which was a big help to him. Adrian is a real horseman.
"It's the first horse that Max McNeill has had in Ireland so I'm delighted to have his first winner here."
(Quotes by Alan Magee)
Southern France joins Irish Leger field
Southern France has been supplemented for the Comer Group International Irish St. Leger at the Curragh.


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Jerry Soo
Jerry loves food & Brazilian Jiu jitsu. Luckily, he found BJJ in 2011 so he can maintain his eating habits.
He is passionate about continually evolving his ground game, learning new techniques and refining his current ones.
He comes from an educational background having a teaching degree, so is well versed in being able to pass on information effectively.
He brings high levels of energy to his classes and is dedicated in helping his students be the best they can be on the mats.
He believes BJJ is one of the best things you can do to stay active and healthy. It's challenging, rewarding and most of all, super fun!
When not on the mats, you can find Jerry in the kitchen, sharpening knives, drinking coffee and hanging with his family.
You can see him coaching the beginners and drills classes at Osborne Park, come down today and learn some of his creative techniques and get inspired!


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What is the Lifetime Allowance?
The UK government announced on 14 October 2010 changes to the Lifetime Allowance (LTA) for tax relief on pensions schemes. From 2012-13 onwards, the LTA for pension savings for individuals has been reduced from the initial level of £1.8 million to £1.25 million.
The LTA is £1.25m in the 2015/16 tax year. The following table shows the LTA for past and future tax years.
At the time of payment, a recovery charge will be applied to the value of retirement benefits in excess of the Lifetime Allowance. The amount will depend on how the excess is paid.
If it is paid in the form of a pension, the excess will be subject to a 25% tax charge and the income will be subject to Income Tax. For example, if you had a pension fund of £1.9 million in 2006, £400,000 would be subject to the tax charge of 25% (tax due £100,000) leaving £1.8 million to provide an income.
If the excess is paid as a lump sum, it will be subject to a one-off 55% recovery charge. For example, if you had a pension fund of £1.9 million in 2006, £400,000 would be subject to the tax charge of 55% (tax due £220,000), leaving a lump sum of £180,000.
Your pension scheme's rules may dictate how the excess is paid - either as pension or as a lump sum.
Protecting against the Lifetime Allowance
You can protect yourself against the tax change above if you are have, or are likely to have, retirement benefits valued above the Lifetime Allowance. There are two ways of doing this.
Primary protection
The value of your retirement benefits at 6 April 2006 will be expressed as a percentage of the £1.5m Lifetime Allowance and that percentage will continue to be exempt from the recovery charge. So, if you had retirement benefits valued at £2.25m on 6 April 2006, you will always be able to have 150% of the limit, whatever level it is, and only incur a charge on the excess.
Enhanced protection
You can cease active membership of your pension schemes on or before 5 April 2006 and be exempt from the tax charge, as long as you have already built up retirement benefits valued over £1.5m at 6 April 2006.
If you are a member of a defined contribution scheme, including (money purchase, personal and stakeholder arrangements, you cannot pay further contributions on or after 6 April 2006.
If you are a member of a defined benefit scheme (including final salary and career average schemes) you can continue to accrue benefits, but any increase will be tested when retirement benefits come into payment or you transfer.
Valuing retirement benefits
For the purposes of valuing benefits to measure against the Lifetime Allowance, all defined contribution benefits will be taken at their asset value, while pensions building up in defined benefit schemes will be valued at £20 for each £1 of pension, irrespective of the individual's age. For all pensions already in payment, the value will be £25 for each £1 of pension.
Time limit
There was a time limit for applying for Primary or Enhanced protection. You had until 6 April 2009 to apply to HM Revenue & Customs. It is now too late to apply for protection.


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Category: news
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Autumn bulletin showing renders/photographs of our projects. In this bulletin you learn about Kimbrook house, Ellis Fields and some updates on other projects. as well as these you are updated on other news like some new team members and the recent socials we've all had.


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More Info
The production ability of the 3396 self-propelled shot blaster sets a new industry standard in 8-inch shot blasters. Compact for mobility and versatility for small- to mid-size applications.
Shot valve handle starts the self-propelled motor; the shot valve closes and the blast wheel ceases automatically when the operator is not present
Height-adjustable handle with built-in operator controls
For line-stripe preparation and removal, optional blast-reduction liners reduce the blast pattern width from 8 inches to 6, 4, or 2 inches
Maximizes separation of dust from the abrasive
Close-faced blast-wheel design directs more steel abrasive to the surface, resulting in lower maintenance costs
Front swivel casters increase maneuverability and control for a more uniform and consistent profile
New control box allows the machine to run at 208 and 230 volts.
The high-speed option lets you effectively control your speed
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Learn Piano on iOS http: Instructions for Opening Any Computer Case Sometimes accessing the hardware inside your computer case can be tricky because some manufacturers change the details regarding how their computer cases open. But, most cases can be fairly similar in nature and will require similar processes to open.
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Read more by visiting our Gateway GM5420 Intel VIIV at: Not only is it easy to import your digital photography, you can even touch them up for a professional appearance and create your own instant slideshow presentations, complete with music and special video effects. Or get creative with home movies using Microsoft Windows Movie Maker 2. This affordable PC runs on Windows XP Media Center Edition -- an advanced, intuitive operating system that's designed for multimedia entertainment.
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Recent Activity
2017 - We spent most of the year recording our new 12-track CD "Guitars In Sync" that we released in December.
2018 - Received exceptional press reviews for our new CD. We focused more on performing this year and realized how much folks still want to hear the Les Paul and Mary Ford style of music. Many standing ovations! We were considered for a Grammy Nomination for our CD this year.
2019 - This year was a mix of recording and performing. We also initiated actions to digitally update and remaster some of our much earlier work. We plan to release a new song each month during 2020.
2020 - Busy preparing our first January release and putting together our 2020 performance schedule.


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Author: Manuela Joannou The definition of a warrior is someone who is willing to put themselves in harm's way for the benefit of others. In the lives of our first responder and military warriors, intense, dangerous and critical scenes and incidents occur regularly. The daily stress combined with one too many tragic circumstances can lead […]Continue ReadingMore Tag
So you went through a PTS cohort, now what?
The 51/2 day PTS program is exhilarating and exhausting. You most likely have never gone through anything like it before. You came face to face with uncut raw emotion. All of your previously troubling and confusing experiences, memories and feelings had their chance to escape. The cohort provided the safe container where you could finally […]Continue ReadingMore Tag
Operation: We've Got Your Six
5 Day Experiential Retreat Project Trauma Support was pleased to have hosted a 5 day experiential retreat delivered by Project trauma Support at Tay River Reflections in Perth May 8 to 13, 2016. We would like to sincerely thank all the community members and local businesses who supported us financially and with the various donations […]Continue ReadingMore Tag


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The organisers of Elite Sports Expo, 'the UK's leading event for human performance', have announced a three-year headline sponsor partnership with Totum Sport, a specialist brand in '100% natural sports performance, hydration and recovery'.
The Elite Sports Expo will take place at London's ExCeL Exhibition Centre on May 8-9, 2019 and will be 'attended by the industry's most influential leaders and decision makers'.
The expo brings together elite sports clubs, coaches and athletes. It encourages information sharing, networking and best practice across all sports. Innovations in strength and conditioning, SAQ training, data analysis, nutrition, injury prevention and recovery will be at the heart of the 2019 exhibition.
The partnership between Totum Sport and Elite Sports Expo is seen as a natural fit with the common target audiences and fields of interest across the sporting landscape.
John Kelleher, CEO of Totum Sport, said "We have been looking to identify with partners that align to our strategic aim, to help us continue the narrative of the importance on hydration in elite sport, providing a 100% natural, sustainable and more effective solution for athletes to excel in their field.
"Totum Sport is already being used by a number of elite athletes across the globe – including 17 times Grand Slam winner Rafael Nadal. We hope that our presence within the Elite Sports Expo will help better inform and educate those on the benefits of a natural alternative to hydration and recovery."
Max Quittenton, Managing Director of Elite Sports Expo, added "2019 is an exciting year for us, with our flagship expo Elevate now being partnered with both elite sports and recovery professionals (COPA) in an events platform which is completely unique within the UK.
"We are delighted to partner with a brand which operates in such a similar field, encompassing all of those areas."
Totum Sport will be exhibiting during the Elite Sports Expo and will also provide and supply 'The Hydration Station' for visitors to use during the show, along with a presentation on 8th May (10:50 BST) by the company's Group Head of Nutrition, Marie Farag, and leading Sports Nutritionist, Dr Marc Bubbs.
Additional partners of Elite Sport Expo include UK Sport, ISEH, English Institute of Sport, Scottish Institute of Sport and UKSCA.


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Cooking can be a chore, especially after a long day at work. The right kitchen tech will simplify your life and cut down on time spent in the kitchen. Check out these 5 Kitchen Tech Must-Haves.
Trade in your slow cooker for an instant pot. Better yet, get an instant pot with wifi. Your meal will cook in an hour or less and will instantly keep itself warm when it's done. No need to start a meal 6-8 hours in advance! Of course, you can do that if you want to, too. However, if you have a model with wifi, you can start it via a mobile app. You can even track the progress of your meal and control it remotely.
Keep your kitchen cleaner and your meal healthier with an air fryer. An air fryer cooks your food by circulating hot air around it rather than cooking it in hot oil. You won't get grease splattering around the whole kitchen and the smell of fried food won't stain your entire house. Additionally, the holidays can be hard on your waistline… an air fryer will help keep your calorie count in check.
The KitchenAir spiralizer will save you a ton of time. It can peel, core and slice fruits and vegetables for you. Just think about all of the time you could save if you didn't have to peel apples for pie or potatoes for au gratin! This spiralizer will quickly earn its place as one of your favorite kitchen tech tools.
Trade in cook books and shopping lists for the Cooklist App! This app will totally simplify your life. "Cooklist shows you recipes you can cook with the groceries in your home. It connects to your grocery store loyalty card and automatically adds your purchases to a digital pantry in the app." You can browse recipes that contain ingredients that you already have. Alternately, you can select a recipe and Cooklist will automatically add the ingredients to your shopping cart.
Another way to simplify your life is to use a smart thermometer, such as the Meater. It's common knowledge that a thermometer should be used to properly and thoroughly cook meat. However, it's annoying to have to poke your meat constantly. Additionally, every time you open your oven or grill, heat escapes. With a smart thermometer, simply stick it in your meat and walk away! An app will keep track of the temperature and let you know when it's ready.
If you do decide to purchase a new appliance, don't let it go unprotected. There's nothing worse than an expensive electronic device breaking and having to go buy a whole new one. With Upsie, you can protect your devices for up to 70% less cost than retailers. Upsie prides themselves on providing excellent customer support creating a seamless customer experience.
I hope you found this list of 5 Kitchen Tech Must-Haves useful. Happy cooking!


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HOMELESS Brummies will be fed Indian meals this lunchtime as part of a new neighbourhood project.
The Islamic Forum of Europe will be hosting the event as part of a new initiative launched by the group, My Neighbours Project.
The meal will be served at the Birmingham Citadel Salvation Army Hostel from noon.


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Aaron.kangisser needed a new logo design and created a contest on 99designs.
A winner was selected from 60 designs submitted by 34 freelance designers.
It is a brand of prescription optical lenses.
MIRO is the name of a new prescription lens for glasses. This logo must represent MIRO as premium lens technology, conveying confidence that the brand will provide optimal vision and comfort. The logo should be simple and modern, getting the message across that the customer will be happy with this choice.
Find out how a design contest works or learn more about our logo design services.


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Dr. Tal Becker is a Senior Fellow at the Shalom Hartman Institute in Jerusalem where he leads educational initiatives on Israel and the Jewish world.
In this capacity, he is a leading member of the Institute's "Engaging Israel" series which is the premier educational program on Israel engagement in North America that is working to strengthen and re-imagine the relationship between Israel and World Jewry.
Dr. Becker also serves as the Legal Adviser of the Israeli Ministry of Foreign Affairs, and has been a senior member of the Israeli peace negotiation team in successive rounds of peace negotiations. He has years of experience on the front lines of many of Israel's most pressing diplomatic, legal and policy challenges as a veteran negotiator, and key behind the scenes representative, for Israel in a wide variety of contexts.
Among numerous previous positions, Dr. Becker has been a senior fellow at the Washington Institute for Near East Policy, senior policy advisor to Israel's Minister of Foreign Affairs, a lead negotiator and drafter in the Annapolis peace talks, Director of the International Law Department at the Israeli Foreign Ministry, counsel to Israel's UN Mission in New York, and an international law expert for the Israel Defense Forces.
He earned his doctorate from Columbia University and, among numerous scholarly awards, is the winner of the Rabin Peace Prize and the 2007 Guggenheim Prize for best international law book for his book "Terrorism and the State".


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Copyright 2019 Hubbard Radio Washington DC, LLC. All rights reserved. This website is not intended for users located within the European Economic Area.
BERLIN (AP) — A German woman accused of joining the Islamic State group in Syria and marrying an IS fighter has been arrested on arrival in Germany.
Federal prosecutors said the woman, identified only as Nasim A., was arrested Friday evening. They said Saturday she had been detained by Kurdish forces early this year and held at the al-Hawl camp in northeastern Syria.
Prosecutors say she traveled to Syria in late 2014 and married an IS fighter. The couple allegedly moved to Tal Afar, Iraq, where they lived in an IS-seized house. The woman ran the household, receiving $100 per month from IS and leaving her husband free to fight for IS.
Prosecutors didn't detail the circumstances of her return to Germany. Turkey is currently engaged in a push to deport IS members.
Insight by Atlassian: Voice your opinion on the state of dev/sec/ops in government by taking Federal News Network's exclusive survey.
Copyright © 2020 The Associated Press. All rights reserved. This website is not intended for users located within the European Economic Area.


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Hoodrich Pablo Juan Feat. Young Thug – Screaming Slatt
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Affiliate Profile
Counseling & Lucia N03 Light mediation
Susan Spickard Gallagher is a Licensed Professional Counselor and Light Healer based in Chicago, Illinois She is the proud owner of Traveling Light Chicago, LLC, a light meditation business. Her Lucia N03 light is one of 40 in the United States. She has devoted her life to helping people find safe spaces to work on self-growth.
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We added Raw file support for the latest Canon cameras. If you're a Canon shooter, Luminar 3 now works perfectly with both CR2 and CR3 file. Enjoy!
Thanks to our Luminar Artists who help us fine-tune performance working with Looks is now much faster. Give the Looks a try on your next photo today!
Get the most realistic sky replacement! The new Atmospheric Haze slider is perfect to adjust the light balance for the replaced sky and the image foreground.
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We've fixed 53 bugs that could lead to crashes or unexpected results. We've also made 17 improvements to memory management, user experience (UX), and stability.
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Preheat grill to 350-400 degrees. Remove silver skin and excess fat from tenderloins. Brush tenderloins with oil and rub with jamacian jerk seasoning, salt and pepper.
Grill tenderloins, covered with grill lid, 8 to 10 minutes on each side or until a meat thermometer inserted into the thickest portion registers 155 degrees. Remove from grill and let stand 10 minutes.
While tenderloin is on the grill, combine ROWENA'S jam, dijion mustard, ginger, and rum and heat on medium heat until mixture thickens slightly. Season to taste with a pinch of salt and pepper.
Slice pork and place on serving dish. Pour sauce over pork.


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on some phones you can enlarge the print while reading your texts the same way you can enlarge a picture by touching it so can you do this on the zte zmax?
Go to Settings > Display > Font size. This is where you set the font size of the text on the screen.


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Private or family banks store cord blood for autologous use or directed donation for a family member. Private banks charge a yearly fee for storage. Blood stored in a private bank must meet the same standards as blood stored in a public bank. If you have a family member with a disorder that may potentially be treated with stem cells, some private banks will store the cord blood free of charge.
Most cells can make copies only of themselves. For example, a skin cell only can make another skin cell. Hematopoietic stem cells, however, can mature into different types of blood cells in the body. Hematopoietic stem cells also are found in blood and bone marrow in adults and children.
Your cells didn't start out knowing how to come together to form your bones, heart or blood; they begun with more of a blank slate. These completely undifferentiated cells can be found during gestation, or the time the baby is in the womb, and are called embryonic stem cells. These early stage stem cells are master cells that have the potential to become any type of cell in the body.
After all is said and done, the cost to collect, test, process and store a donated cord blood collection at a public bank is estimated to be $1,200 to $1,500 dollars for each unit banked. That does not include the expense for the regulatory and quality systems needed to maintain licensure, or the cost of collecting units that are discarded because they don't meet standards.
In order to preserve more types and quantity of umbilical cord stem cells and to maximize possible future health options, Cryo-Cell's umbilical cord tissue service provides expectant families with the opportunity to cryogenically store their newborn's umbilical cord tissue cells contained within substantially intact cord tissue. Should umbilical cord tissue cells be considered for potential utilization in a future therapeutic application, further laboratory processing may be necessary. Regarding umbilical cord tissue, all private blood banks' activities for New York State residents are limited to collection, processing, and long-term storage of umbilical cord tissue stem cells. The possession of a New York State license for such collection, processing and long-term storage does not indicate approval or endorsement of possible future uses or future suitability of these cells.
The stem cells used in BMT come from the liquid center of the bone, called the marrow. In general, the procedure for obtaining bone marrow, which is called "harvesting," is similar for all three types of BMTs (autologous, syngeneic, and allogeneic). The donor is given either general anesthesia, which puts the person to sleep during the procedure, or regional anesthesia, which causes loss of feeling below the waist. Needles are inserted through the skin over the pelvic (hip) bone or, in rare cases, the sternum (breastbone), and into the bone marrow to draw the marrow out of the bone. Harvesting the marrow takes about an hour.
Sometimes, not enough cord blood can be collected. This problem can occur if the baby is preterm or if it is decided to delay clamping of the umbilical cord. It also can happen for no apparent reason. If an emergency occurs during delivery, priority is given to caring for you and your baby over collecting cord blood.
The immune system has a way to identify foreign cells; it's what allows the body to defend itself. So although transplants were proving successful after the first in 1956, they were limited to twins because their shared genetic makeup made them 100 percent compatible. This took a turn in 1958, when scientists discovered a protein present on the surface of almost all cells that lets the body know if the cell is one of its own cells or a foreign cell. In 1973, we finally learned enough about these compatibility markers (called human leukocyte antigens or HLAs) to perform the first unrelated bone marrow transplant.
We'd like to extend our sincere gratitude to the thousands of obstetricians, nurses, midwives, and childbirth educators who support placenta and umbilical cord blood banking. There is no doubt that these efforts save lives.
Your body has many different types of cells (more than 200 to be more exact) each geared towards specific functions. You have skin cells and blood cells, and you have bone cells and brain cells. All your organs comprise specific cells, too, from kidney cells to heart cells.
The proteins stem from three HLA genes, and you inherit one HLA from each parent, or half your HLA markers from your mother and half from your father. This gives siblings a 25 percent chance of being a perfect match, a 50 percent chance of being a partial match and another one-in-four chance of not being a match at all. Unfortunately, about seven out 10 patients who need a transplant don't have a suitable donor in their family. They can either rely on their own stem cells, isolated before treatment or previously preserved, or try to find a match through a public donor.
Therapies with cord blood have gotten more successful. "The outcomes of cord blood transplants have improved over the past 10 years because researchers and clinicians have learned more about dosing cord blood, picking better matches, and giving the patient better supportive care as they go through the transplant," says Joanne Kurtzberg, M.D., director of the pediatric bone marrow and stem cell transplant program at Duke University.
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Cord blood in public banks is available to unrelated patients who need haematopoietic stem cell transplants. Some banks, such as the NHS bank in the UK, also collect and store umbilical cord blood from children born into families affected by or at risk of a disease for which haematopoietic stem cell transplants may be necessary – either for the child, a sibling or a family member. It is also possible to pay to store cord blood in a private bank for use by your own family only.
So what are your options? You have three choices. One is to store the cord blood with a private company at a cost to you ranging from $1,500 to $2,500 and an annual storage fee in the ballpark of $125. Secondly, you can donate the cord blood to a public bank, if there is one working with your hospital, and your doctor is on board with the idea. There are also public banks that accept mail-in donations, if you register during your second trimester and your doctor is willing to take a short training class on-line. Zero cost to you. The third option is to do nothing and have the cord blood, umbilical cord, and placenta destroyed as medical waste.
Bone marrow and similar sources often requires an invasive, surgical procedure and one's own stem cells may already have become diseased, which means the patient will have to find matching stem cells from another family member or unrelated donor. This will increase the risk of GvHD. In addition, finding an unrelated matched donor can be difficult, and once a match is ascertained, it may take valuable weeks, even months, to retrieve. Learn more about why cord blood is preferred to the next best source, bone marrow.
At present, the odds of undergoing any stem cell transplant by age 70 stands at one in 217, but with the continued advancement of cord blood and related stem and immune cell research, the likelihood of utilizing the preserved cord blood for disease treatment will continue to grow. Read more about cord blood as a regenerative medicine here.
There are several cord blood banks that are accredited by the American Association of Blood Banks. Most offer information on cord blood banking and provide private cord blood banking services. With a little research, you should be able to locate a credible cord blood bank online.
The procedure for obtaining the cord blood involves clamping the umbilical cord at the time of birth. The small amount of blood remaining in the umbilical cord is drained and taken to a cord blood bank. It is free to donate.
In Europe and other parts of the world, cord blood banking is more often referred to as stem cell banking. As banking cord blood is designed more to collect the blood-forming stem cells and not the actual blood cells themselves, this term may be more appropriate.
Properly preserved cord blood is long-lasting. Cord blood is stored in a nitrogen freezer (the same technology used to freeze donated sperm), so it can last for a long time. "The scientist who first developed cord blood preservation methods in 1990 has confirmed that some of the first specimens he stored 23 plus years ago are just as potent as fresh cord blood," says Mary Halet, Director, Central Region at Be The Match, which is operated by the National Bone Marrow Foundation.
Current applications for newborn stem cells include treatments for certain cancers and blood, metabolic and immune disorders. Additionally, newborn stem cell preservation has a great potential to benefit the newborn's immediate family members with stem cell samples preserved in their most pristine state.
Bone marrow transplantation (BMT) and peripheral blood stem cell transplantation (PBSCT) are procedures that restore stem cells that have been destroyed by high doses of chemotherapy and/or radiation therapy. There are three types of transplants:
Stem cells also may be retrieved from umbilical cord blood. For this to occur, the mother must contact a cord blood bank before the baby's birth. The cord blood bank may request that she complete a questionnaire and give a small blood sample.
Cord blood is also being studied as a substitute for normal blood transfusions in the developing world.[23][24] More research is necessary prior to the generalized utilization of cord blood transfusion.[23]
Cancellations prior to CBR's storage of the samples(s) are subject to an administrative fee of $150. If you terminate your agreement with CBR after storage of the sample(s), you will not receive a refund.
Stem cells from cord blood can be given to more people than those from bone marrow. More matches are possible when a cord blood transplant is used than when a bone marrow transplant is used. In addition, the stem cells in cord blood are less likely to cause rejection than those in bone marrow.
Prior to freezing the cells, samples are taken for quality testing. Banks measure the number of cells that are positive for the CD34 marker, a protein that is used to estimate the number of blood-forming stem cells present. Typical cost, $150 to $200 per unit. They also measure the number of nucleated cells, another measure of stem cells, both before and after processing to determine the cell recovery rate. Typical expense, $35 per unit. A portion of the sample is submitted to check that there is no bacterial or fungal contamination. Typical expense, $75 per unit. Public banks will also check the ability of the sample to grow new cells by taking a culture called the CFU assay. Typical expense, $200 to $250 per unit.
BMT and PBSCT are most commonly used in the treatment of leukemia and lymphoma. They are most effective when the leukemia or lymphoma is in remission (the signs and symptoms of cancer have disappeared). BMT and PBSCT are also used to treat other cancers such as neuroblastoma (cancer that arises in immature nerve cells and affects mostly infants and children) and multiple myeloma. Researchers are evaluating BMT and PBSCT in clinical trials (research studies) for the treatment of various types of cancer.
Cord blood is the blood that remains in the umbilical cord and placenta following birth. This blood is usually discarded. However, cord blood banking utilizes facilities to store and preserve a baby's cord blood. If you are considering storing your baby's cord blood, make sure to use a cord blood bank accredited by the American Association of Blood Banks (AABB), like Viacord.
When an immediate family member has a disease that requires a stem cell transplant, cord blood from a newborn baby in the family may be the best option. There is a 25% chance, for example, that cord blood will be a perfect match for a sibling, because each child shares one of its two HLA genes with each parent. Occasionally cord blood will be a good match for a parent if, by chance, both parents share some of the six HLA antigens. The baby's cord blood is less likely to be a good match for more distant relatives. The inventories of unrelated cord blood units in public cord blood banks are more likely to provide appropriate matches for parents and distant relatives, as well as for siblings that do not match.
A stem cell has the potential to become one of many different types of cells. Stem cells are unique cells: They have the ability to become many different types of cells, and they can replicate rapidly. Stem cells play a huge part in the body's healing process, and the introduction of new stem cells has always showed great promise in the treatment of many conditions. It wasn't until we found out where and how to isolate these cells that we started using them for transplants. Although a person's own stem cells are always 100 percent compatible, there are risks in using someone else's stem cells, especially if the donor and recipient are not immediately related. The discovery of certain markers allows us to see how compatible a donor's and host's cells will be. The relatively recent discovery of stem cells in the umbilical cord's blood has proven advantageous over acquiring stem cells from other sources. Researchers are currently conducting clinical trials with stem cells, adding to the growing list of 80 diseases which they can treat.
However, parents should know that a child's own cord blood (stored at birth), would rarely be suitable for a transplant today. It could not be used at present to treat genetic diseases, for example, because the cord blood stem cells carry the same affected genes and. if transplanted, would confer the same condition to the recipient. (See the story of Anthony Dones.) In addition, most transplant physicians would not use a child's own cord blood to treat leukemia. There are two reasons why the child's own cord blood is not safe as a transplant source. First, in most cases of childhood leukemia, cells carrying the leukemic mutation are already present at birth and can be demonstrated in the cord blood. Thus, pre-leukemic cells may be given back with the transplant, since there is no effective way to remove them (purge) today. Second, in a child with leukemia, the immune system has already failed to prevent leukemia. Since cord blood from the same child re-establishes the child's own immune system, doctors fear it would have a poor anti-leukemia effect.
Umbilical cord blood is being studied for potential use in a wide variety of life-threatening diseases because it is a rich source of blood stem cells. Transplantation of blood stem cells from umbilical cords has been used successfully to treat several pediatric blood diseases, including sickle cell anemia and cancers such as leukemia and lymphoma. This procedure is still considered investigational. There is currently no solid evidence that umbilical cord blood stem cells have the ability to be transformed into other types of cells, such as replacement nerve tissue or myelin-making cells.
One reason BMT and PBSCT are used in cancer treatment is to make it possible for patients to receive very high doses of chemotherapy and/or radiation therapy. To understand more about why BMT and PBSCT are used, it is helpful to understand how chemotherapy and radiation therapy work.
I am currently 38 years old and I would like to have my blood and it's stem cells harvested via peripheral blood draw to be stored in definitely. Do you offer this service? If so, how can I arrange for my family?
To learn more about umbilical cord blood and banking please watch Banking on cord blood, Cord blood – banking and uses, Cord blood transplantation – how stem cells can assist in the treatment of cancer in our video library.


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Complaint Review: Esper law Firm - Indianapolis Indiana
- Esper law Firm 1702 McCollough Dr Indianapolis, Indiana United States
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Esper law Firm Antonio Sears - Legislation department They keep emailing me telling me they are filing a lawsuit and taking everything - no phone number or any letterhead to see who they are. I have tried to email back and they don't responde. Indianapolis Indiana
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'Going back home to Mommy': Trump mocks protester at campaign-style rally
Thousands gathered to hear the president speak on Tuesday in Youngstown, Ohio, where the president held a "Make America Great Again" campaign-style rally at the Covelli Center.
The event was reminiscent of a Trump election campaign rally, with pro-Trump merchandise being sold, and big trucks with Trump's name plastered on the side.
Trump began his speech by celebrating the Senate's procedural vote on the Republican health care bill to repeal and replace Obamacare, which required Vice President Mike Pence to break a 50-50 tie.
"Only a few hours ago, the Senate approved a vote to begin debating the repealing and replacing the ObamaCare disaster," Trump said. "Finally! You think that's easy? That's not easy."
By Tuesday evening, the Senate did not have the votes to actually pass the measure, although Trump had earlier said it was "one step closer to liberating citizens from this ObamaCare nightmare and delivering great health care for the American people."
The Senate voted down the broad healthcare bill, 43-57, with nine Republicans in dissent.
Trump issued a warning to any Republican senators who decided to vote against the measure, saying, "I predict they'll have a lot of problems."
The president did not get into much detail about the GOP healthcare bill, moving quickly to familiar ground, lashing out at the media.
Trump said that he likes to bypass the mainstream media and speak directly to the people.
"I'm here this evening to cut through the fake news filter and speak straight to the American people," Trump said. "Fake news. Fake, fake, fake news."
Following his remarks, Trump remained quiet, allowing the crowd to begin chanting loudly, "CNN sucks!"
Feeding on the crowd, Trump asked if there was "any place that's more fun, more exciting and safer than a Trump rally?"
Immediately after telling the audience how safe it was, police grabbed a protester by the shirt and dragged him out.
"Boy, he's a young one. He's going back home to mommy. Oh, is he in trouble. He's in trouble," Trump said. "And I'll bet his mommy voted for us, right?"
Trump told the audience to ignore the protester, saying that if he didn't point him out that "no one's going to notice that he's here."
Several other protesters were also escorted out of the event by police, with Trump supporters violently grabbing at their signs, trying to rip them away.
In the middle of his speech, Trump brought up a former Democrat, who claimed he voted for him in the last election.
Gino Defabio took the stage wearing a shirt that said "Trump won, deal with it!" He thanked Trump for nominating Supreme Court Justice Neil Gorsuch, and praised First Lady Melania Trump, saying, "Could we have a more outstanding first lady?"
"I'm probably going to be in trouble with my wife," Defabio said. "But God bless that woman."
Trump defended his unconventional methods, saying it is "much easier to act presidential than what we are doing here tonight, believe me."
In particular, Trump bragged about his efforts to diminish illegal immigration and deporting violent gang members that belonged to MS-13.
He warned about the dangers that immigrant gangs bring, saying gangs like MS-13 don't want to use guns because "it's too fast and it's not painful enough."
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He added that during his time in office, law enforcement has been "liberating our towns and liberating our cities," adding, "can you believe we have to do that?"
During the rally, Trump spent a lot of time boasting about his "many wins" since taking office, saying "with few exceptions, no president has done anywhere near what we have done in his first six months."
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"We believe family and faith, not government and bureaucracy, are the foundation of our society," Trump said. "We don't worship government, we worship God."
At one point, Trump mused aloud about being asked whether he should be on Mount Rushmore and said that he could be more presidential than any president that's ever held office, except Abraham Lincoln.
After the event, audience members approached the media to tell them that "middle America hates you guys" and call them the "enemy of America."


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Alkaline urine increases removal of uric acid better than an acid urine. This was demonstrated by A. Kanbara and co-scientists in Japan. Uric acid is reabsorbed back into the body more easily from acidic urine compared to alkaline urine.
Protein-rich diets produce higher uric acid blood levels. Alkaline diets, rich in fruits and vegetables, produce less uric acid. University students were fed on one of these two diets for 5 days. Extensive urine and blood testing was done, and it took three days for the urine to stabilize after the change to the new diets from the students' regular diets. Urine pH stabilized at 6.7 for the alkaline diet and at 5.9 for the acid diet.
At the end of the study, the students on the acid diets had higher uric acid blood levels and lower urine levels of uric acid than students on the alkaline diets. The acid diet reduces the clearance of uric acid from the body by way of the urine compared to the alkaline diet.
Alkaline foods can help remove uric acid from the body. This is important for people with gout, as gout results from high uric acid levels in the blood (hyperuricemia). Hyperuricemia is associated with higher cancer rates even without gout symptoms. So, eat your fruits and vegetables, and go easy on the acid-producing foods.
CONCLUSION: To lower your uric acid blood levels eat a more alkaline diet.
NOTE: To read more about the alkalinity and acidity of foods and herbs, go to Summary #501.
To read the author's abstract of the article, click on the author's title of the article. Then, to read the full article, click on the full text icon.
Summary #909. nutrientmedicine.


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AW Gear Meters RT-10 Flow Monitor
Six digit LCD display continuously shows either the flow rate or total, internal 3.6V battery
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Samsung has started issuing a new update for the phone Galaxy S9 and +Galaxy S9. The record of the changes that come out of this update is that it improves the quality of the front camera for both phones. Given that images are the type of photos that captures the users too much, you'll be this update is welcome by many.
According to Samsung, this update is mainly intended to improve the brightness of the face so that the record refers to changes to the brightness of the face will improve in the positions in which the improved backlight. Will not be driving this improvement except by those who take a photo of power in a lot of occasions, they can note that they now look brighter when taking pictures in low light.
This new update not only improves the performance of front camera in phones Galaxy S9 and +Galaxy S9, it also brings with IT security fixes for the month of October, which means fixed many security holes in the operating system and applications of the Samsung. Currently, the version of this update in Germany, but its only a matter of time before it becomes available to everyone around the world with the knowledge that this update says to upgrade the system architecture to version G960FXXU2BRJ3 in the Galaxy S9 and version G965FXXU2BRJ3 in phone +Galaxy S9.
The post The newest update for the phone +Galaxy S9/S9 improve the performance of the front camera appeared first on electronic.


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White Elephant With Crown Mat
- Collection: Juvie Jungle
Decorate your little one's room with the help of animals! White Elephant With Crown Mat features white faux fur, black stitched eyes, a gold glitter crown, and a white yarn tail. This elephant features a plush head, two white tusks, and a flat body. Underneath the fabric are small plastic dots to help keep this mat in place!
- Length: 38 1/4"
- Width: 24 1/2"
- Height: 9 1/2"
- Content: 100% Polyester
- Care: Spot Clean Only
Card contains 1 mat.
Item not available in Hobby Lobby Stores.
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Dear Admin....
Here Here to all that Patos said!!!! I too want to Thank You for all of your quiet and behind the scenes work in giving this Staten Island Tribe of ours a place to ~Gather~. I guess that sort of makes you the Tribal Elder! *LOL*
Anyway, I'm so very grateful to have found this lovely place and the lovely people here. Without it...I would never have had the opportunity to be ~in touch~ with so many others who hold Staten Island in their ~*Heart and Soul*~!
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