text:
The lazy investor's 5-step guide to retiring with a million
If you're looking to begin building a sizeable pot of money from the market with the minimum of effort in 2018, you've come to the right place. On this most festive of days, I present the lazy investor's strategy for building a million-pound portfolio.
Step 1: Make full use of tax-efficient accounts
Making sure that you hold the vast majority, if not all, of your investments in a stocks and shares ISA might come across as a dull first step but it's also one of the most important. Put simply, any gains you make are protected from the taxman. The impact of this may be fairly negligible in the early days but over the course of an investing lifetime, it could mean the difference between achieving millionaire status and not.
Thanks to sizeable increases in the annual allowance over the last few years, you can now stash up to £20,000 in a single ISA in 2017/18. Don't waste the opportunity.
Step 2: Spend less than you earn
The second step should appeal to lazy investors since it involves doing a lot less of something, namely spending money on things you probably don't need. And yes, that could include an iPhone X.
Having spent less than you earn, the next half of the step is simple: put the difference in your stocks and shares account. For added laziness, consider automating the process via a monthly direct debit if you suspect you might forget to do it manually.
Step 3: Buy trackers
We're big fans of stock picking at the Fool. Nevertheless, those with no interest in the stock market beyond recognising it as a vehicle to grow rich over time should give consideration to investing in a basket of index trackers or exchange-traded funds. Not only do these wonderfully low-cost alternatives to managed (and usually worse-performing) funds allow you to capture the same returns as the markets, they're also a brilliant way of building a diversified portfolio.
If you're seriously attracted to the idea of spending as little time on your investments as possible, a simple global equity tracker or exchange-traded fund, such as those provided by Vanguard or iShares should suffice. Those wanting a more balanced portfolio, giving exposure to other asset classes may prefer the fuss-free Life Strategy funds offered by the former. Whatever you decide, by investing at regular intervals — pound cost averaging — you also reduce the chance of buying at the top of the market.
Step 4: Avoid temptation
Receiving dividend payments from the companies or funds we own is one of life's little pleasures. That said, an even greater pleasure is seeing your wealth grow significantly faster through the reinvestment of these regular payouts and the power of compounding (interest on interest).
So long as you're not relying on your portfolio to generate an income, you'd do well to avoid the temptation to withdraw this money. Why bother anyway? It's too much effort.
Step 5: Be patient
The final step in the strategy is perhaps the most difficult of them all since it requires something that many of us lack, namely patience. So long as there isn't a clear reason to question your holdings, cultivating the ability to put your feet up when those around you are making impulsive, emotion-fuleled decisions is critical if you're to emerge from the markets a far wealthier individual.
Like that? Read this
A lazy investment strategy such as that outlined above has the power to be life-changing so long as you're willing to stick with it.
If you're interested in learning more about how to increase your chances of walking away from the stock market with a cool million in your back pocket, don't leave before downloading this special report from the Motley Fool's analysts. It's completely FREE to read, comes with no obligation and is an ideal way to begin the new investing year.
Just click here and it's yours.
Paul Summers has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors.


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3415 Old Due West Rd #14Marietta, GA 30064 View Map $265,000 Ask a Question
Status: Sold
Property Type:Condominium
Sq. Feet:1,747
Date Sold:6/30/2017
Lot Size:N/A
Monthly HOA:$260
Gorgeous and meticulously maintained is an understatement! This beautiful home is one of only two in the prestigious Timbers Edge community with a private driveway and your own backyard. Rich, hardwoods everywhere show off in this home the minute you enter it. Kitchen w/ custom cherry cabinets-granite counters-ss appliances and 2 pantries! Huge Master Bedroom and Guest Bedroom. Private office or third bedroom and Sunroom. Plantation shutters throughout. April Air System. Permanent Attic stairs and room. This awesome, close knit community puts the active in Active Adult!
Detailed Maps
Community Information
Address:3415 Old Due West Rd #14 Marietta, GA 30064
Area:74 - Cobb-West
Neighborhood:Timbers Edge
Zip Code:30064
School Information
High School:Harrison
Middle School:Lost Mountain
Elementary School:Due West
Unit Number:#14
Bedrooms: 3
Bathrooms: 2
Year Built:2004
Style:Garden (1 Level),Traditional
Construction: Stone
Property Sub Type: Condominium
Roof: Composition
Parking: Attached, Garage
Features / Amenities
Total Sq. Ft.:1747
Appliances: Dishwasher, Electric Range, Microwave
Interior: Entrance Foyer, High Ceilings 9 ft Main, Tray Ceiling(s)
Bedroom: Master on Main, Oversized Master
Master Bath: Double Vanity, Shower Only
Disability Access: Accessible Entrance
Fireplace Features/Location: Family Room, Gas Starter
Floor: Hardwood
Kitchen Features: Breakfast Bar, Cabinets Other, Pantry, Solid Surface Counters, View to Family Room
Rooms: Family Room, Great Room - 1 Story, Office, Sun Room
Main Level Bedrooms: 3
Laundry Features: Laundry Room, Main Level
Exterior: Courtyard, Private Front Entry, Private Rear Entry, Private Yard
Garage Spaces: 2
Security: Security Gate, Security System Owned
Energy Features: HVAC, Windows
Cooling: Central Air
Heat: Electric
Property Features
Lot Description: Front Yard, Landscaped
Lot Number: 0
Fencing: Fenced
Directions:West on Dallas Highway to right on Due West and then immediate right on Old Due West. Left into complex, first unit on right.
Tax and Financial Info
Taxes: $670
Tax Year: 2014
Association Fee: $260 (paid Monthly)
Association Fee Includes: Insurance, Maintenance Exterior, Pest Control, Reserve Fund, Termite, Trash
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Listing provided courtesy of Keller Williams Realty Signature Partners.
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Listing information last updated on January 19, 2020 at 6:45 PM PST.
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subset: commoncrawl


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CALGARY (660 NEWS) — The Calgary Police Service has charged a woman with attempted murder following a disturbing and frightening incident on a CTrain platform.
We have charged a woman with Attempted Murder in relation to an incident on a downtown C-train Platform. Our thanks to our partners with @calgarytransit for their assistance yesterday. https://t.co/gpeGyLW8jC#YYC #WeAreCPS #YYCCrime
— Calgary Police (@CalgaryPolice) November 9, 2018
On Thursday, a man and woman were waiting at the Victoria Park Station when the suspect allegedly approached the woman from behind and pushed her onto the train tracks.
The train was able to stop before reaching the woman, who is in her 60s.
However, she was seriously hurt, and taken to hospital in life-threatening condition.
The attack is believed to be random and unprovoked.
Thirty-five-year-old Stephanie Favel was arrested by a transit peace officer.
She has been charged with attempted murder, aggravated assault, and breach of probation.


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Scattered Thoughts and Rogue Words
- Rating: 4.5
- Review Date: 09/14/2015
This story was a joy to read, a hurt/comfort book hard to ignore since it's well written and so full of good feelings. I was afraid it was going to be more angsty since Nick being there on the 9/11. Instead everything was showed us in the perfect...


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Take a look on our new collection of genuine crocodile skin wallets for women, medium trifold, price with free worldwide delivery from US $65
Our policy
The Buyer placing the order and paying the order agrees and accepts the rules of our store.
Shipment of your order will made within 2-3 business days of receiving cleared payment. If this is possible, we will try to make shipment of your parcel on next day. After shipment, we will inform you of tracking number of your parcel. Usually we are sending pictures of your parcel with tracking number on your email.
If buyer ordered certificate CITES, shipment will takes longer up to Cites will issued.
If customer ordered certificate CITES - Please take into consideration what for issuing the tourist certificate CITES can be required a copy of the first page of the passport of the consignee with the name of the recipient and the passport number. For more information about CITES visit www.cites.org
Packaging the purchase and filling in the customs declaration, we usually do not specify the skin type and do not write the real cost of the product.
In the customs declaration we indicate next:
"Wallet for a man"
The price of the parcel is 20-30 USD, depending from the size of the wallet.
International Shipping - items may be subject to customs processing depending on the item's declared value.
Sellers set the item's declared value and must comply with customs declaration laws.
As the buyer, you should be aware of possible:
- delays from customs inspection.
- import duties and taxes which buyers must pay.
- brokerage fees payable at the point of delivery.
Your country's customs office can offer more details.
The seller is not responsible for the actions of the customs authorities of the recipient's country
Return policy
You can return your purchase within fifteen days (15 days) after delivery. You have to return your purchase in the same condition as received. After receiving of your return, we will refund your full purchase price only to your PayPal account, minus the shipping fee in which we had to spend to ship your item to you. The buyer also will pay cost of return shipping.


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NASHVILLE, TN (AP) - The Tennessee Titans are kicking off their home season with a bang.
Equipment used for pyrotechnics during pre-game festivities burst into flames in the north end zone about five minutes before kickoff. Workers quickly started putting out the fire near the 5-yard line on the sideline near the Titans' locker room.
The show went on as workers extinguished the flames as Taj George, wife of Eddie George and a member of the group Sisters With Voices (SWV) sang the national anthem.
My video of how 🔥 this Titans-Colts Nissan Stadium home opener was.Was shooting player introductions maybe 90 seconds before this happened. Thankful I, nor anyone else, was there when it was lit. pic.twitter.com/z7U6gIO7Eb— Justin Beasley (@JBeasleyWSMV) September 16, 2019
Okay, minor pyrotechnic issue prior to kickoff.All under control.#Titans #Colts pic.twitter.com/V1ucy0KJKx— Chris Harris (@ChrisHarrisWSMV) September 15, 2019
A fire has started after one of the pregame pyrotechnics tipped over. Fire is out now. But we might have a small delay to the game. #titans pic.twitter.com/e9pTFb6A7T— WSMVjasonclouse (@WSMVjasonclouse) September 15, 2019


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AUBH hosts open house at new Riffa campus
The American University of Bahrain (AUBH) hosted its first open house event at its new Riffa campus. The event was open to the public with the aim of providing students, parents, and the community an appreciation of American-style education and experience first-hand the architectural beauty of the campus as it prepares for its opening in September 2019.
The event took place on Saturday the 17th of August from 3-7 p.m. where students and parents were taken on a tour of the campus and attended micro-sessions taught by regular faculty members. They were given the opportunity to participate in the multi-cultural environment, personalized mentorship, and active campus life that AUBH will offer.
The event also included a number of fun-filled activities such as games and competitions, including a virtual reality experience, Pictionary and more. Parents had the opportunity to express their concerns and ask questions in regularly-scheduled Parent Workshops. The event also included on-going entertainment, free American-style food, a picture booth, and a station to customize free AUBH t-shirts.
Founding President of AUBH, Dr. Saxton expressed her enthusiasm, stating, "The event was a huge success and we were very happy with the turnout. This was our first chance to welcome the community, potential students, and our inaugural students on campus. It will provide them a glimpse of what AUBH stands for and what it represents." "Our beautiful state-of-theart campus was designed to foster interaction and collaboration among students, faculty, and the community.
The architects, planners, and now our faculty have accomplished just that," she added. During the event, attendees also got the opportunity to win giveaways. Additionally, three scholarships were awarded to students at the event-closing raffle.
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KCA summer camp concludes
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text: Iranian Institute of Research and Development in Chemical Industries (IRDCI)-ACECR Iranian Journal of Chemistry and Chemical Engineering (IJCCE) 1021-9986 26 2 2007 06 01 Lennard-Jones Energy Parameter for Pure Fluids from Scaled Particle Theory 1 8 7647 EN Reza Tahery Chemical Engineering Department, Amirkabir University of Technology, P.O. Box 15875-4413 Tehran, I.R. IRAN Hamid Modarress Chemical Engineering Department, Amirkabir University of Technology, P.O. Box 15875-4413 Tehran, I.R. IRAN Journal Article 2004 10 19 By considering the fact that the surface tension of a real fluid arises from a combination of both repulsive and attractive forces between molecules, a new expression for the interfacial tension has been derived from scaled particle theory (SPT) based on the work of cavity formation and the interaction energy between molecules. At the critical temperature, the interfacial tension between coexisting liquid and vapour phases vanishes and the intermolecular attractive forces must exactly counterbalance the repulsive forces associated with cavity formation. The effective Lennard-Jones energy parameter has been calculated by using a simple equation derived from SPT for a range of pure fluids including noble gases, diatomic and triatomic gases, short and medium length hydrocarbons, aromatic compounds, oxygen containing compounds. The evaluated Lennard-Jones energy parameters and Reiss's SPT theory were used to calculate the surface tension of pure compounds near critical temperature and were compared with the experimental data. The results indicated that the developed SPT in this work calculates the surface tensions much closer to the experimental data compared with those Reiss's SPT theory . Scaled Particle Theory Lennard-Jones energy parameter Surface tension


text:
Arab youth riot on Temple Mount; 2 officers hurt
Noam "Dabul" Dvir
Published: 20.04.14, 10:31
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Back to article
10 Talkbacks for this article
1. Temple Mount
Visitors kept from the Temple Mount? Are not Arabs of all ages also visitors or do they reside there? Why not clear EVERYONE Off THE Mount when there is an Arab riot. This is the number ONE anti Jewish act going on in the world today and it is disgusting that the Jewish State doesn't end it
new comment
2. Close the Mosque! No Arab visitprs!
Benny ,
Its simple! Kick the Waqf out! Remove all Muslim visitors for there is no peace with them. That ugly mosque is built on top of the Jewish Temple, a blasphemy vs. Judaism's holiest site! Don't let a bunch of thugs ruin it for everyone! & move the mosque to Arabia. Rebuild the 3rd Temple as mandated by God.
new comment
3. Time to Take Over Temple Mount
Prof. Joseph Pelzman ,
Israel has given the local Muslim authorities enough time to control riots on Temple Mount. It is time now to exercise complete sovereignty over the area and guarantee religious freedom to all, not just the Muslims. The latter are expert in exclusionary policy. Jews are not. Take over and lead.
new comment
4. Temple Mount
James ,
Desacrates the Jewish holy temple as much as the Romans did when they sacked it. In addtion it is really an eyesore. Keep the rock, melt down the bronze and rebuild the temple as prophesy dictates. Israel needs a leader as strong as Moses to make this happen.
new comment
5. NATO must displace Arabs west of Jordan, repatriate to Mecca
Steve Benassi ,
Silver Bay, MN USA
new comment
6. Violent visitors
Adam H ,
I would ban them from the Temple Mount for life.
new comment
7. Why do we allow....
Reuven Brauner ,
Raanana, Israel
these people to disgrace the holiest place in Judaism, the Temple Mount? Their behavior there is a sacrilege and offensive.
new comment
8. Valerie Jean: the muslim didn't call to demolish but did
So much sympathy to a people/religion which weherever they went systematically demolished every sign of peoples or religions they conquered. Only in 1948 the Jordanians demolished most of the Jewish quarter in Jerusalem and totally banned Jews from praying at the western wall. The Muslims didn't just call to demolish Jewish holy sites but did it. And they systematically and barbarically destroy most valuable archeological material on temple mount. Temple mount has been and is the most holy site for Jews. The Jews nevertheless gave the Muslims free hand to govern that place after 1967 (a mistake in my opinion). Al Aqsa mosque will not be destroy - the Jews will not to do to the Muslims what the Muslims did to the Jews. But the Muslims must open this site freely to all visitors and to archeological research.
new comment
9. 5 not mine.
Steve Benassi ,
Silver Bay, MN USA
new comment
10. These freaking Arabs - most violent people on earth
What do they want??? The throw stones and attack Jewish people who come to pray in te western wall. They refuse to let Jews visit temple mount - even though every jewish or Christian religion site in Jerusalem is open to everyone - no matter what religion they have. I pity the poor policemen who have to deal with these barbaric animals on a daily basis.
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text:
|Min. Order:
|5 Piece/Pieces
|Payment Terms:
|Place of Origin:
|Zhejiang, China (Mainland)
|Means of Transport:
|Ocean, Air
|Production Capacity:
|Delivery Date:
|10 days
|Brand Name:
|pneumatic component:
|pneumatic valve
|air cylinder:
|solenoid valve
|pneumatic products:
|pneumatic cylinder
|Medium temp:
|Open ≤ 0.15s ≤ 0.3s
|Coil resistance:
Product Description Plastic Solenoid Valve(Small Solenoid Valve)
Application: Drinking machine, flushing mahine, etc.
voltage rating:DC24V (according to the custom 6V-220V range of AC and DC power supply voltage)RT Response
Coil resistance:37Ω±0.25Ω(20℃)
Switch type:DC continuous type
working pressure0:02Mpa-0.8Mpa
Time: Open ≤ 0.15s ≤ 0.3s
Medium temp:1℃-75℃
Electric Strength:Can withstand AC2500V voltage should be between conductor and non conductor, 1min no breakdown and flashover phenomenon
Insulating property:The insulation resistance between conductors and non conductors are greater than 100M
Flow characteristics:0.02Mpa≥3 L/min 0.1Mpa≥12 L/min 0.8Mpa≥35 L/min
Working Life:500000 or more times
1. We have special departments to ensure that no strict quality control any quality problem before delivery.
2. 2.Carefully check goods size table and product specifications. Please check detail with customer service before buying .
3. 3. Receiving or take the goods, please sign the bill after the first inspection, if have damaged items, or a few goods phenomenon, please do not sign, the first contact with the customer details and make logistics company personnel or personnel in proof of delivery after processing, or receipt of any problems after the Seller shall not be held responsible.
The information about our company:
NINGBO SMART PNEUMATIC CO LTD is specialized in manufacturing all kinds of hydro pneumatic components, aluminum parts and plastic parts. Our main products are including pneumatic cylinder, (air cylinder), solenoid valve, air filter, air regulator, air lubricator,pneumatic fitting, hydraulic fitting, tubes, muffler (silencer) etc
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Why choose us?
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(4) No MOQ, I think it is an attractive condition to some of you who have no big demands for each items temporarily.
Category: Plastic Style Solenoid Valve
Related Category: Brass Material Solenoid Valve


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Results 1 to 4 of 4
Thread: grassy lavender mead
05-06-2005, 03:33 PM #1Egg
- Join Date
- Jan 2005
- Posts
- 7
grassy lavender mead
I've got a mead made with some lavender tea that's been aging in a secondary fermenter for about 2 months now after a 1 month primary fermentation. If you've ever seen a lavender, the flowers grow on top of a grassy stalk. It's this grassy stalk flavor and aroma that seems to dominate my mead (even though the tea I used was basically only lavender flowers), both in terms of aroma and flavor. Granted, I only used 10# clover honey (5 gal batch), so that in and of itself will make things dry. It doesn't taste bad, but the combination of a dry mead to begin with and the grassy lavender character makes it extremely dry and almost overwhelmingly grassy. In some ways it's kind of cool and rustic, and it certainly has mucho lavender character, but I think I would rather have this grassiness somewhat subdued. I've thought about adding a little more honey to sweeten it a bit, but I'm not sure what this will do. Any thoughts on this, or is this a common theme with flower infused dry meads. Thanks!
05-06-2005, 04:30 PM #2Senior Member
- Join Date
- Dec 2004
- Posts
- 1,020
Re: grassy lavender mead
This is a green mead in more ways than one! Two months in a secondary is not very long at all. Really, give it a year or two -- in the carboy if you can spare the room -- in the bottle otherwise. You'll be amazed at the difference.
Re: grassy lavender mead
With lavender you have to be very meticulous to ensure that you're getting only the flowers, I generally take the time to cut the tops of the lavender bush, and then clip the clumps of flower off each small stalk.
I have family in Croatia who's house is in the middle of a lavender field. The lavender there is more aromatic and longer lasting than any other I have experienced. France buys the Croatian lavender by the ton to add to their perfumes and other exports for an enhanced lavender product. In the mornings during the spring the mist rolls down the hills behind the house and mixes with the rosemary, sage, citrus, fig blossoms and fresh baked bread from the kitchen. It's a slice of heaven. I can sit back and imagine that aroma and the smell and instantly be back in Croatia.
OskaarIs it tasty . . . precious?
05-07-2005, 11:29 AM #4Egg
- Join Date
- Jan 2005
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Re: grassy lavender mead
That's a great story. For a second I thought I was in Croatia too.


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Find out the top 11 questions that I always get asked related to how we get to travel the world for nearly free.
Tag: free
How to eat at LAX's PF Chang's for free (up to $90 value)
When you could get to airport and avail of free Chinese food for up to $90 value, why not? I'll show you how.
Top Travel Credit Cards (as of Oct 2019)
Here's the latest travel credit cards that I've used myself. These cards along with the miles and points, have allowed my family to travel the world for nearly free.
Travel Success Tales: Last-minute anniversary trip to Maui for $11/person
It's now close to three years since I started earning miles and points via credit card sign-up bonus. I don't … More
How we got around New York City on a budget (no cabs, no Uber, no car rentals, etc.)
I wrote a blog entry on how we watched eleven (11) Broadway shows with our 4 kids during our … More


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Browse for Biotechnology / Science Jobs in Sayre, Pennsylvania for Sodexo. Find the job of your dreams on CareerCast Diversity Network today!
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1+ months
Sayre, PA US
Unit DescriptionHow far will your ambition, talent and dedication take you? Sodexo fosters a culture committed to the growth of individuals through continuous learning, mentoring and career growth opportunities. As an active team member working within Sodexo Clinical Technology Management (CTM), y...
1+ months
Sayre, PA US
Unit DescriptionSodexo is seeking a Biomedical Equipment Technician I for an opportunity located in Sayre, PA. Is this opportunity right for you? Working in Clinical Technology Management (CTM) for Sodexo, you will partner with our Healthcare clients to manage their clinical technology needs. Togeth...


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Haze from the forest fires
Haze from the forest fires blanket most parts of the landscape. The rainfall during the flight also contributed to the limited visibility.
Photo by Aulia Erlangga/CIFOR
If you use one of our photos, please credit it accordingly and let us know. You can reach us through our Flickr account or at: email@example.com and email@example.com
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Finding a Medicare Primary Care Physician near You
Last Updated : 06/20/20194 min read
You might be familiar with the term "primary care physician" from your employer-sponsored health plan. When you're new to Medicare, you may ask, "how do I find a Medicare primary care physician near me?"
What does a primary care doctor do?
A primary care physician is the medical professional who generally oversees your health care, wellness visits, and preventive care.
If you get sick, you generally see your primary care physician first. If you need specialist care, your primary care doctor may refer you to the specialist.
According to the U.S. National Library of Medicine, a primary care provider (PCP) could be:
- A generalist doctor who specializes in internal medicine or family practice
- Nurse practitioners with training in adult care or geriatrics
- Other practitioners
Will I have to find a primary care doctor near me?
Not all types of Medicare coverage require a primary care doctor. If you enroll in Original Medicare (Part A and Part B), you generally don't need to choose a primary care doctor but you still may wish to. You can see any doctor who takes Medicare patients, although your out-of-pocket costs will be lower if you use a doctor who accepts Medicare assignment. Medicare assignment is an agreement that the doctor will accept the Medicare-approved amount as payment in full, and won't charge you anything besides the deductible or coinsurance, if applicable.
Medicare generally covers doctor visits in most medical settings, such as in the doctor's office, in the hospital or outpatient department, in a nursing facility, or at an approved health clinic.
If you enroll in a Medicare Advantage plan, you may need to select a primary care physician. Medicare Advantage Health Maintenance Organization (HMO) plans and many Special Needs Plans (SNPS) require each person to have a primary care doctor. Medicare Advantage Preferred Provider Organizations (PPOs) and Private Fee-For-Service (PFFS) plans typically do not require members to choose a primary care physician.
Medicare Advantage is another way to receive your Original Medicare benefits through a private insurance company. Medicare Advantage plans must cover everything that Original Medicare covers, except of hospice care, which is still covered by Medicare Part A.
How do I find primary care doctors near me?
Your Medicare Advantage plan typically sends you a list of doctors that participate with the plan. The list usually includes not only primary care doctors, but also specialists, hospitals, pharmacies, and outpatient facilities contracted with the plan. Of course, if you have a medical emergency, you should get care from the closest appropriate provider, regardless of network.
If you enroll in a Preferred Provider Organization, or PPO, you may still get a list of doctors in your plan network. While you typically don't have to choose a primary care doctor or get your routine care from providers within the plan's network, you might pay less out of pocket when you see network providers.
What happens if I can't find a primary care physician near me?
In most cases, your Medicare Advantage plan will have several participating physicians within the plan's service area. If you already have a doctor and he or she doesn't contract with your plan, you may need to switch to a doctor in your plan's network.
If you can't find a primary care doctor near you, contact your plan for help. Also, keep in mind that plans may change their provider networks from time to time. A doctor who participated last year may choose not to participate this year.
Many Medicare Advantage HMO plans require a referral from your primary provider before they pay for tests or specialist care, even from providers within the plan network. If your plan requires a primary care referral and you don't get one, the plan may not pay, even if the specialist service would otherwise be covered.
To find a Medicare Advantage plan in your area, enter your zip code on this page.
Out-of-network/non-contracted providers are under no obligation to treat Preferred Provider Organization (PPO) plan members, except in emergency situations. For a decision about whether the plan will cover out-of-network service, you or your provider are encouraged to ask for a pre-service organization determination before you receive the service. Please call the plan's customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
A Private Fee-For-Service plan is not Medicare Supplement insurance. Providers who do not contract with the plan are not required to see you except in an emergency.


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Last week, President Xi Jinping and Vice-Premier Han Zheng, who also heads the Central Coordination Group for Hong Kong and Macao Affairs, voiced strong support for Chief Executive Carrie Lam Cheng Yuet-ngor.
The firm backing given by state leaders for Lam has been interpreted by many political commentators as an attempt to debunk raging rumors that she would be replaced with an "interim" chief executive by March next year as the Financial Times reported recently.
As Xi spoke highly of Lam and her principal officials, some commentators believe that Lam and her bureau chiefs are likely to ride out the political crisis and be able to hang on to their jobs.
But although the central authorities have no immediate plans to overhaul the entire SAR administration, that doesn't necessarily mean they have no "Plan B" on this critical issue.
It is understood that Beijing has already begun scouting for replacements for certain incumbent politically accountable SAR government officials through some "intermediaries".
And it is said that Secretary for Security John Lee Ka-chiu is likely to be among the first batch of bureau chiefs to be eased out.
As anyone who understands how the mainland officialdom works would know that while it is up to the chief executive to nominate his or her politically accountable officials, the final word on key appointments for the SAR administration always rests with Beijing.
As far as the post of secretary for security is concerned, a person familiar with the matter has said that even though Beijing does not have any plan to remove Lee from his office at the moment, it is now working to find the right and qualified person to fill Lee's shoes when the time is ripe.
It is understood that these "intermediaries" sent by the central authorities have approached a number of incumbent heads of the disciplinary forces to find out if they would be willing to assume the position of the security chief, only to be declined by all of them.
According to a government figure, the Security Bureau no longer has any grip on the operation of the police force.
In fact, it is difficult for Lee himself and Undersecretary for Security Sonny Au Chi-kwong, both of whom used to hold high positions in the police force, to be seen having any big say on commanding the officers, ever since the outbreak of the civil unrest in June.
As police power has continued to expand unchecked over the last few months, consequently provoking a huge public backlash, it will certainly be a daunting task for the central authorities to find a suitable person who is willing to take up this "politically radioactive" job.
Meanwhile, a government figure has suggested that if Beijing is really determined to replace Lee, it should consider promoting heads from other disciplinary forces, or a civilian civil servant, to the position, rather than picking his successor within the police force again.
Over the years, there is a prevailing view among senior officials that allowing a high-ranking police chief to serve as the secretary for security would ensure better checks and balances and help bring the law enforcement into line, according to the government source.
Nevertheless, the continued expansion of police power and the increasing marginalization of the Security Bureau ever since the outbreak of the anti-extradition bill movement have already proven this notion wrong.
Another government figure said perhaps it is time for Beijing to install a civilian civil servant to lead the police in order to restore public faith in law enforcement.
This article appeared in the Hong Kong Economic Journal on Nov 13
Translation by Alan Lee
[Chinese version 中文版]
– Contact us at [email protected]


text:
- Prayer and Worship
- Beliefs and Teachings
- Issues and Action
- Media
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- About USCCB
For those who are led by the Spirit of God are children of God. For you did not receive a spirit of slavery to fall back into fear, but you received a spirit of adoption, through which we cry, "Abba, Father!" The Spirit itself bears witness with our spirit that we are children of God, and if children, then heirs, heirs of God and joint heirs with Christ, if only we suffer with him so that we may also be glorified with him.
Romans 8:14-17
Heavenly Father,
You are the Author of life and love.
You have called us by name
and made us your sons
and your daughters,
and you know your plan for our lives.
If it be your will,
bless those who are pursuing adoption,
give them generous hearts,
and send them a child to love
and with whom to share your great love for us.
Grant this through Christ our Lord. Amen.
St. Joseph,
You know the yearning in the hearts of
married couples pursuing adoption.
They have so much love to give
and wish to share that love with a child.
As you took Mary and Jesus
into your home at Nazareth,
may the grace of parenthood also be granted
for such as these.
We beg your intercession before the Father.
St. Joseph, foster-father of Jesus, pray for us.
Our Father, Hail Mary, Glory Be
By accepting this message, you will be leaving the website of the
United States Conference of Catholic Bishops. This link is provided
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text:
MP's Hitler comments 'misrepresented'
A Western Australian politician says his comments about Hitler during a debate in State Parliament have been misrepresented.
The WA Government wants to give police greater powers to search people for weapons and drugs in Perth's entertainment precinct without having to prove grounds of suspicion.
Liberal backbencher Peter Abetz spoke in support of the laws and used the example of Hitler.
He told Parliament the dictator gained support because he provided security in a time of anarchy, and that people place greater value on security than freedom.
Mr Abetz says he was not citing Hitler as an example of effective security, but was merely repeating his German mother's explanation of how Hitler gained the support of the German people.
Mr Abetz says in Australia, measures like random breath testing or airline security show people are prepared to give up certain freedoms in exchange for safety and security.
"It's like going to the airport - nobody bats an eyelid about the fact that you have to be searched and we agree to that because we would much rather give up the freedom of not being searched than getting blown out of the sky," he said.
Tom Percy from the Australian Lawyers Alliance is opposed to the legislation and says the comments in Parliament were extraordinary.
"They run contrary to everything any Australian would believe is inherent to our national sense of democracy," he said.
The Opposition has proposed changes to the legislation which it says would provide greater checks and balances.
Topics: government-and-politics, world-war-2, wa
First posted


text:
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The Importance of Digital Customer Experience and Satisfaction
Posted by NowlesNorman in Internet on July 28th, 2019
Who is a customer?
The art of exchanging products and services for money or other goods is one of the oldest practices in the world. A customer is a person who pays for goods and services and is the one who ends up making use of these goods or services. The customer is usually the final consumer of goods and services, and as such, the opinion of the customer is extremely valuable. The satisfaction of the customer determines if they will continue to use a product or recommend it to a friend. Thus, customer satisfaction is a major factor in growing a business and earning success.
With the coming of the internet, there are now several digital products in existence. Applications, websites and other products are now used digitally. These products are supplied by certain companies and they usually strive for customer satisfaction. In order to provide maximum customer satisfaction, digital companies make use of certain mechanisms and methods. Some of these methods include:
Digital customer journey: Competition is a constant part of any business and is very necessary to ensure progress. One of the ways to grow a business is to ensure you firstly maintain your current customer base. Digital customer journey is the process of maintaining a constant communication with the existing clients and getting feedback from the customers. The results obtained are then put into consideration, and new ways to improve the product to better serve the customers are developed. It is important to observe and monitor the customer's preferences to all changes, to ensure that the best customer friendly version of the product is obtained. With digital customer journey, the companies maintain and grow their customer base.
Digital customer experience: Even when an approach seems fine, it may require a change in order to keep up with new developments and trends. Since the internet has become a frequently visited location by most individuals, it is important to learn the views and opinions of your customers online. Digital customer experience strategy involves the use of online platforms to monitor your customers' opinions on your product. It is also important to get suggestion on how to improve the product from the customers. The internet provides the perfect location to carry out this feature, you can get feedback, preferences and suggestion from your customers and help make your product more viable.
Digital customer experience strategy :When you have gotten feedback, opinions and suggestions from your customers, the next step is to implement some of these changes. Digital customer experience strategy involves deciding which changes will be implemented, how the changes will be implemented and how the proposed changes will affect the customer base. The process also involves seeking new and improved features to further increase the existing levels of customer satisfaction, with the potential to attract new customers. Most of this process will involve research on competing products and customer feedback and reports on other products in the same category as your product.
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No results found for biofuel boiler. Alternative searches: boiler water, boiler feed, boiler emissions, boiler water system, boiler water productionLearn More
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text:
Technology and entrepreneurialism go hand in hand and one foremost practitioner is the noted business figure, Nitin Khanna. He is currently the CEO of MergerTech and his expertise and guidance have brought about many quality transactions that have created a stronger, more capable entity. He has also been an instrumental figure in the burgeoning cannabis industry with his involvement in Cura Cannabis Solutions. He is also an enthusiastic practitioner of philanthropy and is a part of important efforts in this realm.
The entrepreneurial spirit that powers Nitin Khanna has been informed by many of his close family members. He mentions several uncles who were associated with various endeavors such as a motorcycle parts plant. His own journey began when he relocated to the United States and obtained high-level degrees in engineering from Purdue University.
His first foray as the creator of a company was with his brother when they launched Saber Software in 1999. It grew steadily for a decade and became well known for their election software. Eventually, Saber helped 21 states modernize their voting procedures after the Bush vs. Gore election highlighted the imperative need for updated systems.
The key role that Nitin Khanna has often played among the various undertakings throughout his career can be boiled down to two important concepts. He's highly focused on strategy and vision. Along with these crucial aspects, he's particularly concerned with having the right people in place to bring about the most productive chemistry.
Time management is an area in which Khanna excels and it has been a primary driver of his success. He does especially well at prioritizing his activities to hone in on the most important and productive things on his plate.
One recreational activity that helps Nitin Khanna unwind is his interest in becoming a DJ. His attendance one year at the Burning Man Festival sparked this passion as he observed a DJ in action. His natural derring-do compelled him to try and he made a bet with a friend that inside of one year he would secure paying gigs. His drive and ambition have helped him accomplish this as well many triumphs in business.
Find out more here https://www.revolvy.com/page/Nitin-Khanna
The Jeunesse Global brand has been around for over a decade because of the quality ingredients that are put into each and every product. This is a brand that you can trust to give you the results that you need and want. The brand is well-known for their anti-aging ingredients and products specific to getting you feeling your absolute best. If you would like to make use of Jeunesse Global, you can visit their main website or check them out on social media. If you are a fan of the brand, you can even become an independent distributor so that you are able to sell the same products that you love and use on a daily basis.
While there are a lot of products within the Jeunesse Global line, one of the most popular is known as NV. This makeup product uses a primer, foundation and bronzer to create an airbrushed and flawless finish to your skin. The products have patented anti-aging ingredients in each bottle so that you are also treating your skin while creating a flawless finish. You can finally feel confident going out and about when you know you look your absolute best. This is why a lot of people have chosen to make use of NV and are finding this makeup product to be one of the best they have ever used for themselves.
You will love the quality of the ingredients that are put into each and every Jeunesse Global product. You can either purchase the products directly from the company itself or you can work with a local distributor who is going to give you the chance to try out the product before you make the decision to purchase anything yourself. There are a lot of people who love and use the Jeunesse Global brand every single day and it is well worth looking into for yourself. With so many people looking to utilize this option for themselves, you can feel confident knowing you are buying products that will work for you no matter what your skin type happens to be or the results you achieve.


text:
Lindsay Anderson
Actor | Director | Producer | Writer
From Wikipedia, the free encyclopedia. Lindsay Gordon Anderson (17 April 1923 – 30 August 1994) was an Indian-born English feature film, theatre and documentary director, film critic, and leading light of the Free Cinema movement and the British New Wave. He is most widely remembered for his 1968 film if...., which won the Grand Prix at Cannes Film Festival. Description above from the Wikipedia article Lindsay Anderson, licensed under CC-BY-SA,full list of contributors on Wikipedia.
As: Master of Caius
The true story of British athletes preparing for and competing in the 1924 Summer Olympics.
Runtime: 125 min.
Directed by: Hugh Hudson
Stars: Cheryl Campbell | Alice Krige | Ben Cross | Nigel Havers | Ian Charleson
As: Director
This sprawling, surrealist musical serves as an allegory for the pitfalls of capitalism, as it follows the adventures of a young coffee salesman in Europe.
Runtime: 178 min.
Directed by: Lindsay Anderson
Stars: Helen Mirren | Malcolm McDowell | Ralph Richardson | Rachel Roberts | Arthur Lowe
A lawyer's agonizing journey to the breaking point of his private and professional lives as he becomes more and more alienated from everyone connected with him.
Runtime: 94 min.
Directed by: Anthony Page
Stars: Eileen Atkins | Nicol Williamson | Peter Sallis | Eleanor Fazan | Jill Bennett
This three-part ballad, which often uses music to stand in for dialogue, remains the most perfect embodiment of Nemec's vision of a film world independent of reality. Mounting a defense of timid, inhibited, clumsy, and unsuccessful individuals, the three protagonists are a complete antithesis of the industrious heroes of socialist aesthetics. Martyrs of Love cemented Nemec's reputation as the kind of ...
Runtime: 71 min.
Directed by: Jan Němec
Stars: Karel Gott | Lindsay Anderson | Ivana Karbanová | Jitka Cerhová | Denisa Dvoráková
People quietly or campily pass the time in an overgrown garden full of statues, while a puritanical, funereal gentleman posts bills prohibiting all leisure activities.
Runtime: 38 min.
Directed by: James Broughton
Stars: John Le Mesurier | Lindsay Anderson
As: Narrator
Early Lindsay Anderson industrial film promoting Sutcliffe's conveyors. Three different uses of Sutcliffe's conveyor installations.
Runtime: 28 min.
Directed by: Lindsay Anderson
Stars: Lindsay Anderson


text:
DONE DEAL: Welcome To London – Arsenal Striker Target Officially COMPLETE Long AWAITED Transfer
Pedro Rodriguez has agreed to a shock deal with Chelsea, after snubbing Manchester United at the last minute.
The Barcelona winger had looked destined for a move to Manchester United before Chelsea hijacked the deal at the last minute.
Manchester United where initially in for the winger, but were delaying on meeting his £22million release clause.
United chief executive Ed Woodward flew to Barcelona on Monday to conclude negotiations for him, but wanted the deal to include add-ons.
But according to Spanish newspaper Marca, Chelsea offered more cash up front and sealed the deal, automatically ending United's interest in Pedro.
The winger had been linked to Arsenal this summer, with their need for an extra attacker seemingly obvious.
Manchester City are also credited with an interest in the winger after it was reported that they had met his release clause.
The Spanish international becomes Chelsea's second signing in a week, after Baba Rahman moved to Stamford Bridge.Follow oohtobeagooner on Facebook and Twitter for more latest Arsenal transfer news, injury news, team news and rumours.


text:
MANCHESTER — A man was killed in a crash on Buckland Hills Drive early Sunday.
The crash was reported around 2 a.m. when a male driver struck a light post in the 200 block of Buckland Hills Drive, police said. The man died but a passenger walked away with minor injuries.
Police said the driver was entrapped in a heavily damaged Subaru WRX and pronounced dead on scene. Police said that although it is early in the investigation, speed or driver impairment may have been factors in the crash.
The name of the involved individuals are not being released pending family notification.
The collision remains under investigation. Anyone with additional information or who may have witnessed the crash is asked to contact Officer Steven Koss, 860-645-5560.


text: Mister Buddwing is a 1966 American film drama directed by Delbert Mann and starring James Garner . The film depicts a well-dressed man who finds himself on a bench in Central Park with no idea who he is. He proceeds to wander around Manhattan meeting women as he desperately tries to figure out his own identity. Based on the 1964 novel Buddwing by Evan Hunter, the evocatively shot black-and-white drama with a lively jazz musical score was written by Dale Wasserman. ... more on Wikipedia


text:
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Hilchenbach, November 16, 2018. Large-scale expansion of heavy-plate rolling mill. 9 · Mönchengladbach, November 12, 2018. SMS group operates first plant...Получить цену
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Our facilities include one automated rolling mill that allows for synchronized operation of the rolling mill and related equipment. The billets produced in the melt...Получить цену
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... capable in designing, manufacturing and supplying equipment and plants for Meltshop, Rolling Mill, Profile Mill, Ferro Alloy and DRI Plant as well as Turn-Key...Получить цену
Feb 8, 2013 ... Rolling Mill, Bar Mill H & V Type Rolling Schedule, Lead & Profile Tester, ... Rolling Mill, Continue Section Rolling Mill, Rolling Mill Equipment.Получить цену
Whether in the conventional hot strip mill, the CSP facility or in the Steckel rolling mill ... Our extensive roll shop equipment creates obvious added value which...Получить цену
various equipment & systems in profile mills. Service description. Profile mill fingerprint is an audit service from ABB for its profile rolling mill customers.Получить цену
Ltd. (Thai Steel) to supply a new bar rolling mill for its plant in Rayong, Thailand. ... of the equipment supplied, the entire process planning of the bar rolling mill,...Получить цену
Hulett Rolling Mill Aluminum Manufacturing Expansion ... can recycle plant, a CCAL plant, and upgrades to the facilities for rolling equipment and plate finishing.Получить цену
It also supplies auxiliary steel treatment equipment. CMI FPE ... CMI to supply Cold Rolling Mill and Processing lines for PHP Group's new Cold Rolling Complex.Получить цену
Mar 22, 2017 ... Without regular inspection and maintenance, rolling mill equipment can deteriorate to the extent that any costs saved by avoiding maintenance...Получить цену
A rolling mill is a machine for plastic deformation of metal between rotating rolls. ..... Maintaining rolls or rolling equipment in effective condition (lubricating,.Получить цену
KM3000 Key Mill ... Pneumatic powered rolling motors range from small 1,000 rpm models to large units that produce 600.0 ft.lbs. ... Wherever equipment repair applications involve milling critical mounting surfaces, we have a precision...Получить цену
MINI MILL TECHNOLOGIES ... Our Mini Mills work according to two simple principles: the highest quality equipment and optimal integration. Following these two...Получить цену
Cold rolling mill: Equipment that reduces the thickness of flat steel products by rolling the metal between alloy steel cylinders at room temperature.Получить цену
BWG - Progressive rolling mill technology since 1955 ... encompasses high-quality, innovative machinery and equipment for the metal processing industry.Получить цену
In 2012, AMAG selected Danieli to design, manufacture and install a new aluminium hot rolling mill and auxiliary equipment. This mill would process products...Получить цену
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Designed to meet most of the needs of jewelers and metalsmiths, the versatile Compact Economy Rolling Mill is surprisingly affordable. This model includes two...Получить цену
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leading innovator in metal processing equipment, including hot & cold rolling mills, downcoilers, shears, temper/skin pass mills & cylinders.Получить цену
the CNP® (Combined Numerical Profile) Mill developed by IHI in hot rolling operations, and shape ... Shape Control Equipment for Strip and Plate Rolling. Mill...Получить цену
It is a page of the detail of Cold Mill (TCM,CRM) of Steel Plantech. ... machinery, and coke-making machinery as well as related equipment for use in Japan and overseas. ... We will suggest the optimal type of rolling mills as well as their layout.Получить цену
Each month SEUTHE delivers a variety of machinery and equipment for the production of longitudinally welded tubes and sections to worldwide destinations.Получить цену
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It is a page of the detail of Section Rolling Mill of Steel Plantech. ... and coke-making machinery as well as related equipment for use in Japan and overseas.Получить цену
The in-house know-how and years of experience in this field enable the VÍTKOVICE Group not only to deliver individual pieces of equipment for specific junction...Получить цену
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Chandigarh Ayurved Centre Amrit Tulsi Ras is 100% natural & safe prepared from various extracts of herbs. The herbs used for formulation of this syrup shows antioxidant, anti-inflammatory, analgesic, immuno-modulator properties.
This herbal drops give good results in:
- Cough & Cold
- All respiratory disorders
- General weakness
- Low immunity
- 100% natural & safe product
- This herbal product is formulated under the guidance of MD Ayurveda expert
Natural & Herbal formula for overall health


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The Delhi High Court has sought response of the Netaji Subhas University of Technology (NSUT) on a plea challenging the appointment of its vice chancellor, terming it "illegal", "arbitrary" and contrary to UGC guidelines.
Launched on December 3,1990. Nagaland Post is the first and highest circulated newspaper of Nagaland state. Nagaland Post is also the first newspaper in Nagaland to be published in multi-colour.
"Whenever I felt like I wanted to scream or wanted to fight or wanted to cry.


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McRobbie has not yet spoken to Sampson. He has not heard of any conversation dealing with a possible resignation.
McRobbie is at the podium.
He has a brief statement about the allegations. Afterwards, he'll take questions.
"First, let me say that I am deeply dissappointed by these allegations."
He says that he fully understands the desire to have a quick resolution, and he hopes to do that.
"Let there be no doubt, these are serious allegations of misconduct."
As president, he believes the most important thing is not winning and losing but how the athletic teams measure up in areas like sportsmanship and academic success.
Rick Greenspan, the athletic director, will run the investigation into the new allegations. He has seven days to complete the investigation.
McRobbie says that the university is not going into this with any presumptions.
We've just been told that the action here will start in five minutes.
The room is filling up quickly. There are dozens and dozens of fans who have showed up at the lecture hall in the law school.


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How Clean is Your Toothbrush? What You Need to Know
If you're a germaphobe, you're not going to like this: Your toothbrush is covered with over 100 million bacteria including E. coli and staphylococci (Staph) bacteria, according to researchers at the University of Alabama.
Gross, right? The thing to understand is that bacteria is everywhere, especially in your mouth. The important thing is to maintain a healthy balance of germs. Your toothbrush probably won't make you sick (as long as you don't share it with other people), but there are ways to keep your toothbrush clean — and that's great when it comes to dental care.
Always Rinse Off Your Toothbrush
Before and after you brush, always give your toothbrush a good rinse with tap water. Run your finger across the top to loosen any bacteria as you hold it under the water for a few moments. This helps remove old toothpaste, food particles and any lingering bacteria.
Let Your Toothbrush Dry — Don't Use a Toothbrush Cover!
When storing your toothbrush, it's important that the bristles are allowed to dry. Do not store your toothbrush in a toothbrush cover or holder. This prevents your toothbrush from drying and essentially serves as a bacteria incubator. Keep your toothbrush in an upright toothbrush holder, rather than lying down. Ideally, the holder will allow both the top and bottom of your toothbrush the chance to breathe. Try to avoid letting toothbrushes touch in the holder, as they can contaminate each other, especially after someone has been sick.
Don't Put Your Toothbrush in the Dishwasher
Putting your toothbrush in the dishwasher is overkill — and will likely kill (or at least severely degrade) your toothbrush. It's not designed to withstand the high temperatures and water pressure of the dishwasher. It will damage the bristles so the brush is less effective — and that can be detrimental to dental care.
Change Your Toothbrush
You should really change your toothbrush every 2 to 3 months — as soon as the bristles aren't perfectly straight. Most people wait too long to replace the toothbrush and therefore aren't brushing as thoroughly as they should, even if they brush regularly. You might also consider replacing your toothbrush every time you get sick as this can spread germs.
Practice Good Oral Care
Even more important than keeping an immaculately clean toothbrush is practicing great oral health care. Follow your dentist's advice — brush and floss every day. Rinse with an antibacterial mouth rinse. See your family dentist regularly, not just when you have tooth crown pain. This can help spot cavity issues, broken or cracked fillings, and avoid dental emergencies in the long run. Stay healthy!


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Day 13 at Wimbledon
8 July, 2012 at 10:00 (GMT+01:00)
So, it comes to this. The final day of Wimbledon 2012 and the men's singles final. We enjoyed a longer game than expected for the women's final yesterday, although it was not a surprise to see Serena Williams take home the championship - she has been on good form all fortnight and was more than a match for Radwanska. Today, Andy Murray will take on the might of Roger Federer in his first Wimbledon final, and whilst I have an inkling I know which way the match will go, I just hope it's a good one.


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From the company that brought you the Green Hill Zone and Crystal Landscape, Trope Co.® brings you the Shifting Sand Land!
Our chief World Building architects use the same techniques as the Egyptians and Babylonians to create a new, hot, egg-frying land perfect for platforming. Using our Sorting Algorithm of Threatening Geography, we have scientifically designed each and every grain of sand to test your freshly stretched muscles from our Green Hill Zone to make everything slightly harder to survive. Creepy crawlies and scheming serpents all along the LD50 chart crawling and digging in the ground. Genies, both benign and malignant, waiting in lost treasure hidden beneath the dunes. Crevices, sinkholes, rivers and lakes that you would think is made of water in the distance, but nope! More sand!
Answer The Sphinx and get out of the harsh sun in the pyramids. Enjoy a thrilling archeological tour with our own Mummy tour guide (after he tries cursing you into an early grave) and meet the Nepharious Pharaoh himself. Beat him in a boss battle and earn a prize!
If you don't like platforming, we can arm our Elite Mooks fresh from the Imperial Stormtrooper Marksmanship Academy to slow you down and give you an authentic modern-gaming experience.
This product has been brought to you by Sand! It's everywhere! Get used to it.


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Are you in or around Frederick, MD, looking to transport heavy equipment internationally or locally? uShip can ease your search for the best and most affordable Frederick, MD, heavy equipment shipping companies by connecting you to them in one convenient marketplace experience. You get the best price and service, because companies that are backed by our customer feedback system, compete for your business.
uShip connects you with experienced, professional heavy equipment haulers for an easy, hassle-free shipment. Top-rated heavy equipment carriers in Frederick, MD, instantly bid on your heavy equipment shipment on uShip, giving you the power to compare and choose. Make sure to review your carrier's insurance, customer reviews and authority before booking your heavy equipment shipment.
Enjoy peace of mind knowing that uShip is the safest and most secure way to ship, GUARANTEED! Learn More


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Sodium Metasilicate Pentahydrate Market Size By Purity (29% [By Application {Cosmetics, Ceramic, Paper, Detergents, Textiles}], 50% [By Application {Oil Drilling, Cement, Textile, Detergent, Paper, Ceramics, Electroplating}], 99% [By Application {Washing Powder & Detergent, Textile, Cement, Paper, Ceramic, Metal Surface treatment, Chemical Production, Flameproofing, Mineral Floatation}], Industry Analysis Report, Regional Outlook, Application Potential, Price Trends, Competitive Market Share & Forecast, 2019 - 2025
Published Date: May 2019 | Report ID: GMI3343 | Authors: Kunal Ahuja, Shreya Deb
Report Format: PDF | Pages: 260 | Base Year: 2018
Industry Coverage
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In Vancouver, Tankless Water Heaters are becoming more and more popular. Especially when the winter months come around, causing everyone to dream of endless hot showers. The thing is, without a tankless water heater, hot water is never in overabundance.
There are a number of ways a tankless water heater could benefit your pocketbook and life quality.
A tankless water heater allows water to be heated up as needed, opposed to traditional ways of heating water, which include storing it in a heated reservoir somewhere in your home. These same traditional methods tend to use a lot of energy, as they are constantly keeping a large supply of water warm. Still, no matter how large your tank is water tends to run out—in some homes more often than others.
Save Money
Installing a tankless water heater will save you money on your electric bills; because the water automatically heats, as it's needed, less electricity is generated. Also, when you have guests staying over you won't have to worry about someone taking a cold shower. In fact, no one has to take cold showers in your house anymore—no matter who showers before you! If your looking for an estimate on converting to a tankless water heater, let us know. We can schedule a time to come out and take a look and offer some pricing.
Having hot water at your disposal doesn't only improve showers and hand-washings; your dishes will also be more thoroughly cleaned. The same goes for your clothes, which are less likely to build up mold or a musty smell if your water is hot enough—this is especially the case with towels.
Save Space
Going tankless will save incredible amounts of space by erasing the need for a cumbersome tank. You can have all of the hot water you want without wasting one inch of space on a water heater tank. Not to mention, with instantly hot water you will never have to wait to take a shower or do the dishes again—talk about a time saver!
Eliminate the hassle by hiring a professional to do the job. When dealing with electricity and water, you want the job done safely—for the sake of your family and home. At High Mark Heating we can offer you our expertise and get your home running efficiently while saving you space and money. A Vancouver Tankless Water Heater is a sound decision for upgrading your homes' value in more ways than one. Contact us at 604-678-9440 or by clicking here.


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Ray Lichtman, CEO
Ray Lichtman, Founder and CEO of OMAIUSA, was born in New York City in 1945. A student at the Bronx High School of Science and Phillips Exeter Academy, Ray achieved his Bachelor of Science at Rensselaer Polytechnic Institute and his MBA at Columbia University in 1968.
Ray comes from a family where his father was a doctor and his mother a teacher. This instilled in him at an early age the drive and focus necessary to help build success in everyone he has worked with.
Immediately after graduation, Ray joined IBM as a marketing representative in New York covering Government, Education and Health-Care accounts. For the major part of his IBM career he was the Senior Marketing Rep focused on new business in the Financial Sector.
During his IBM career Ray Lichtman achieved 20 100% clubs, 6 Golden Circles, and 2 Eagle Awards. In 1992 he created OMAIUSA – a rentable virtual salesforce linking professionals throughout the US and Canada.
OMAIUSA clients range from start-ups, partners and resellers through the Fortune 50. Ray continues to position the company as a logical substitute for in-house cold-calling, scripted telemarketers, or adding staff.
Ray is also a classically trained pianist spending time at both the Juilliard School and Mannes School in New York City. His passions include spending time with his family, music and the arts, animal rescue, and comedy.
Work With Us


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Goods, services and facilities
You have the right to be free from discrimination when you receive goods or services, or use facilities. For example, this right applies to:
- stores, restaurants and bars
- hospitals and health services
- schools, universities and colleges
- public places, amenities and utilities such as recreation centres, public washrooms, malls and parks
- services and programs provided by municipal and provincial governments, including social assistance and benefits, and public transit
- services provided by insurance companies
- classified advertisement space in a newspaper.
Relevant policies and guides:
The OHRC intervened at the Tribunal in a complaint by Ron Phipps – a case which raised some tough issues. The Tribunal ruled Phipps had been subjected to racial profiling in 2005 by a Toronto police officer. The officer stopped Phipps when he was delivering mail in an affluent Toronto neighbourhood, checked with a homeowner Phipps spoke to, trailed him and checked his identity with a White letter carrier.
Commission asks to intervene in court case involving a Muslim woman's right to testify wearing her niqab (face covering)Factum of the proposed intervenor Ontario Human Rights Commission
Frederick Moore on behalf of Jeffrey P. Moore v. Her Majesty the Queen in Right of the Province of British Columbia as represented by the Ministry of Education, et al.Factum of the interveners the Ontario Human Rights Commission, the Saskatchewan Human Rights Commission and the Alberta Human Rights Commission.
Commission intervenes in court case involving a Muslim woman's right to testify wearing her niqab (face covering)
The central issue in this appeal is the apparent conflict between the intersecting religious and equality rights of a witness and the fair trial rights of the accused in the context of a criminal proceeding. The OHRC's submissions set out a process, based in existing case law, to analyze and reconcile potentially competing rights. The proposed process can apply, with appropriate modifications, to any competing rights claims whether they arise under the Canadian Charter of Rights and Freedoms (the Charter), human rights legislation, the common law or otherwise.
Re: Sexualized and gender-specific dress codes in restaurants
July 8, 2016 - In pursuit of our public interest mandate, section 31 of the Code authorizes the OHRC to request production of documents and gather other information as part of an inquiry. Pursuant to section 31, we are writing to request that you review employee dress codes in your Ontario operations, remove any discriminatory requirements, and provide documentation showing that you have done this.


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Hi - I have purchased a Swiss Rail travel pass for my travel in Switzerland. For one of the days I plan to take the 9:23 Gotthard Panorama Express from Lugano to Lucern. I know that i need to upgrade to 1st and reserve a seat however I can't find the site to do it on. I see a link to the Happy Trails site, is this the official place to buy the upgrade? I am also not sure which option to chose on the site, there is 09.23-10.51 | Lugano-Airolo and 09.23-11.47 | Lugano-Flüelen, I think I want the second one? Do I then need to buy something else for the boat?
Hello Pam,
You can indeed buy the 2nd Class upgrade and seat reservation at www.myswissalps.com/go tthardpanoramaexpress/ packages.
You want the Lugano to Flüelen train.
You can also buy same from SBB as follows:
If you are travelling with a 2nd Class Swiss Travel Pass but want to travel 1st Class on any particular trip you can buy a Class upgrade at any SBB station or using the SBB Mobile App or here bit.ly/2rZEIXh. You need to buy a route specific upgrade.
If you buy on line you need to nominate a Swiss Half Fare Card reduction to get the correct price (using either website of SBB app). An upgrade will cost half the difference between 1st and 2nd class full-fares.
For seat reservations you want Lugano to Flüelen via Göschenen.
Hi Pam8,
you can do the upgrade from 2nd class to 1st and seat reservation via Happy Rail at https://www.happyrail. com/en/. You need to pick from the "2nd (upgrade+ reservation)" column, if you have a 2nd class Swiss Travel Pass. I have attached a picture for you (circled with red your column).
See also:
According to the SBB Timetable the train actually departs Lugano at 9:22 so don't be late!
A point-to-point class upgrade will cost you CHF17.50 from SBB.
Thanks for the info. I have purchased the 52 chf upgrade+reservation via Happy Trails. Do I also need to do something else to reserve my seat? And do I need to do something additional for the boat ride or is that just covered by my swiss travel pass?
You are good to go, Pam.
The boat trip is fully covered by the STP and reservations are not possible. If you want to enjoy the upper deck you will need a 1st Class upgrade. But you can buy that onboard if you decide to do that.
Thanks all! Last question, I received my seat reservation overnight from happy trails. Looks like it is one ticket for both people in my group and both our names are printed on it. I see the coach number and it says 02window. Does this mean I have two random window seats in this coach or is it row #2?
Hi Pam8! Great that you've arranged for your reservations through HappyRail (not Happy Trails :-)). Seat reservations are for fixed seats, so the numbers should point to specific rows/seats, not to two random window seats. Things will probably be clear once you board the train, but if you're unsure you could contact HappyRail (www.myswissalps.com/ab outus/partners/happyra il), or attach a screenshot of your reservations here.
Attached is what my reservation looked like, in that case the seat numbers were 61 an 62.
Ah thank you! After seeing the picture of your ticket I went back and looked at my own and see the seat numbers now. Too much planning, going a bit silly ;)


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Back to School Aug. 24th 2016
2016-2017 Online Registration Opens July 5th
Kindergarten Jumpstart
July 26th – 28th 8:30 – 11:00
5th Grade Reconition
May 31st at 1:30 pm
Memorial Day – No School
No School, May 30th
Volunteers needed for the Windsor Art Show set-up
Windsor Art Show. May 24th, 6:00 – 7:30pm Windsor Art Fest Prep Help Needed! We are now preparing for the Windsor Art Festival. If you'd like to help with these pre-festival jobs, please contact Ms. Imlau …
Field Day May 13th
Field Day May 13th
Newsletter from Merrill Middle School for 5th Grade Families
Welcome 16-17 Newsletter
Kindergarten Signup Help
2:30 -6:30 pm


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Works in Progress Webinar: Accessibility and Digital Collections
This webinar highlights steps to choose and build an accessible digital collections infrastructure, with both commercial software and locally developed software.
Heather Alexander, User Interface Designer, OCLC
Hanning Chen, Product Analyst, Digital Collection Services, OCLC
Nathan Tallman, Digital Preservation Librarian, Penn State University
Libraries spend significant resources digitizing collections, but are the platforms and repositories that provide access to these resources accessible to everyone? We take great effort to ensure physical access to our collections, we need to put the same intention into providing access to our digital collections. In this webinar, Heather Alexander from OCLC and Nathan Tallman from Penn State, will highlight steps to choose and build an accessible digital collections infrastructure, with both commercial software (CONTENTdm) and locally developed software (Samvera).
Abled individuals can take many things for granted that might present great difficulties for disabled or impaired persons. While it's impossible for others to truly know what it's like, this webinar will include a demonstration of various disabilities or impairments while interacting with digital collections. However, first-hand experience using adaptive technologies can be an eye-opening user experience. Either before or after the event, participants are highly encouraged to try using a screen reader as the sole means of using their digital collections for a day, including opening the browser.
This webinar will be of interest to library workers in the areas of special collections, technical services, library IT, and repository development; as well as user experience/user interface design and accessibility specialists.
Works in Progress: An OCLC Research Occasional Webinar Series
These webinars are exclusively for OCLC Research Library Partners, but the recordings are publicly available to all.
Works in Progress: An OCLC Research Occasional Webinar Series to talk about work happening in OCLC Research – we'd like to present our work informally and get feedback from you, our Partners. We'd also like this to be a venue for Partner institutions. What are you working on that everyone should know about? What input would help you move forward? Let us know!
31 March 2020
Eastern Daylight Time, North America [UTC -4]
Online via WebEx


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Brocka, Bernal & the City
QCinema 2019
Brocka, Bernal, & the City
Benilde's Brocka, Bernal and the City joins QCinema International Film Festival 2019!
The exhibit is a re-curation of the show that ran from January-July 2019 at Benilde's School of Design and Arts Gallery. It was the college's contribution and participation in the 2019 celebration of the Centennial of Philippine Cinema. The second iteration of Brocka, Bernal and the City was made possible through the support of Film Development Council of the Philippines and Quezon City International Film Foundation.
The opening is on Oct 13, 2019 at 4:30 PM, Gateway Gallery, 5th Floor, Gateway Mall. Show runs until Oct 23, 2019.
Produced by the Center for Campus Art of the Colege of Saint Benilde and curated by Ar Gerry Torres.