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If you are self-employed or have additional sources of income outside of your regular job, you may fall into the category of Americans who are required to file their federal taxes not just once a year in April, but four times annually. While no one likes having to pay estimated taxes to the IRS, you can make the process easier by setting aside money regularly and keeping detailed records.
Have you ever wondered how you would manage financially if you were to sustain an injury or illness that left you unable to work? How long could you maintain your standard of living, pay your bills, and cover your daily expenses? The likelihood of such an event may be greater than you think. According to the Council for Disability Awareness (2013), Americans underestimate their chances of experiencing a long-term disability: 64% of working Americans believe they have a 2% or less chance of being disabled for 3 months or more during their working years; however, the reality is that the odds of experiencing a long-term disability are about 25%.
When you begin to create an employee benefit plan, you may want to start with a few core benefits, including life insurance, health insurance, and a retirement plan. These benefits form a base from which your company's benefit plan can grow and evolve in the future. Every year or two, it may be wise to consider the addition of a new benefit to the plan, such as dental insurance or disability income insurance. Rather than bearing the entire burden of cost, you can contribute a portion of the cost, with your employees paying the balance.
To help manage your personal finances, you can now purchase computer software that will balance your checkbook, figure out your budget, track your investments, and even help take the sting out of filing your income tax return. Even with the best apps available, you still have to take the initiative to create a strategy that will meet your needs while reducing the stress that goes along with financial planning.
Estate planning often involves a team consisting of an attorney, a financial professional, an insurance professional, and yourself. However, whether you are establishing a new estate plan or revising an existing one, only you can provide the guidance, direction, and information your estate planning team needs to develop an effective plan.
Profit-sharing plans have long been popular with employees because of the opportunity they provide to share in the profitability of a growing firm. Many business owners look beyond shared profitability to shared ownership through employee stock ownership plans (ESOPs).
While consumers affect the economy by spending according to their own situation and financial pressures, Federal policy decisions also influence the economy. Fiscal policy, enacted by Congress, uses taxation and legislation to boost employment, stabilize prices, and stimulate economic growth. In contrast, monetary policy, which is controlled by the Federal Reserve Bank (the Fed), manipulates short-term interest rates in an effort to spur growth or control inflation.
Regardless of which phase of the business life-cycle you're in, you can get SMART about setting goals to motivate yourself, move forward to grow your business, and track your success.
Did you know that a free, Federal income tax preparation and electronic filing program called Free File is available to U. S. taxpayers with adjusted gross incomes (AGIs) of $58,000 or less?
Keeping thorough and accurate financial records is one of the less exciting tasks that business owners face, but it is a necessary one. In addition to enabling you to monitor the progress of your business and make informed decisions on a daily basis, keeping good accounting records is essential when it comes time to prepare your tax returns. While the smallest businesses may be able to get by with the "shoebox method," having in place a reliable and comprehensive financial recordkeeping system is crucial if you want your business to grow.
Even if you expect to cover your child's college costs through sources other than Federal aid, it usually worthwhile to complete the Free Application for Federal Student Aid (FAFSA). In addition to determining your family's eligibility for Federal assistance, the FAFSA is the primary qualifying form used by many college, state, local, and private financial assistance programs.
For most people, a child's college education is the second most expensive purchase (after that of a home) they will ever make. For parents and grandparents who wish to estimate the cost of a college education, the following tables can facilitate an educated guess.
If you are like most entrepreneurs, you don't expect the business you worked so hard to establish to falter when you are no longer here to run it. But sometimes, when business owners die without leaving wills or estate plans, the business must be liquidated to pay the tax liability, or the company collapses because family members have not been sufficiently prepared to take over operations. If you own a family business, you may want to consider taking steps now to help ensure this valuable asset will remain intact for your children, grandchildren, and others.
If you are like most people, wills, trusts, life insurance, disability income insurance, and advance directives are topics you would just as soon avoid. Yet, timely planning is necessary to preserve the assets you have worked so hard to accumulate and to protect your loved ones. Here are some important steps you can take now to help ease your family's emotional and financial burden in the event of your death:
Getting approval for a loan can sometimes depend on, for example, a lender asking a borrower, "How will this loan be repaid in the event of your death?" Your answer may be to assign your life insurance policy, a useful feature that can help provide necessary security for a lender.
Growth or value—what's your style? Growth investors look for stocks that will grow at a high rate for a relatively short period of time or mutual funds that focus on growth stock. Value investors look for stocks that are currently undervalued and are expected to increase to their true value over a longer time horizon or mutual funds that focus on value stock.
Contrary to what you may think, split-dollar life insurance is not an insurance policy, at least not in the classic sense. It is a type of arrangement that allows two parties, typically an employer and an employee, to split life insurance protection costs and benefits. The premium payments, rights of ownership, and proceeds payable on the death of the insured are often split between the company and a key employee. In many situations, however, the employer pays all or a greater part of the premiums in exchange for an interest in the policy's cash value and death benefit. Cash values accumulate, providing repayment security for the employer, who is paying the majority of the premium. In this scenario, business owners have the opportunity to provide an executive with life insurance benefits at a low cost. Another option for companies to consider is to use split-dollar policies in place of insurance-funded nonqualified deferred compensation plans.
Today, many people find themselves bombarded by a constant stream of financial news from television, radio, and the Internet. Yet, does all this "information age" data really help you manage your finances any better now than in the past? Often, what are considered old-fashioned practices, such as performing periodic financial reviews, can lead to greater success in the long run. Why not spend a few hours reviewing your finances? The changes you make today could result in increased savings. Consider the following seven important items:
Whether you have substantial resources or live close to your means, a budget may be an effective foundation for a savings program. It can help you monitor your personal and household expenditures, potentially freeing up income that can be redirected toward savings. Consider the following:
One extracurricular activity that every student can master while in college is personal money management. Typically, a student's daily spending is done on an improvised basis, meaning that overspending is often the norm rather than the exception.
The Baby Boom generation is about to enter another era: retirement. Never known for accepting the status quo, Baby Boomers are ready to redefine the "golden years." Forget about endless days of leisure. This generation seeks adventure, travel, and new business pursuits. While these changes may redefine retirement, will Boomers be able to finance their plans? Today, many people age 50 and older have not begun to save for retirement or have yet to accumulate sufficient funds.
For many of us, the cost of living has risen faster than our income has. In some cases, consumption has increased, as well. If you are looking for ways to control both rising expenses and increasing consumption, here are some timely suggestions.
You're an entrepreneur and you're not looking back. You've opened your own business, whether alone or with partners, and you've achieved success. Now you're thinking about retirement, not just for you, but also for your employees. Offering a retirement plan can help your business attract and retain employees, while making it easier for you to save for your own retirement. Here are some of the options available to business owners:
It may be better to give than to receive, but it may be even better to give and see your generosity rewarded. Charitable giving can play a valuable role in your financial and tax strategies. A well-planned gift to charity could provide an income tax deduction and a reduction of estate taxes. Your donation could also help you maintain financial security, exercise control over assets both during your lifetime and after death, as well as provide for your heirs in the manner you choose.
When Jennifer purchased her life insurance policy 10 years ago, she assumed that her life insurance planning was complete. She thought that if she just paid her premiums on time, she could sit back and not worry about life insurance any more. Jennifer's policy has provided protection for herself and her family over the years. But letting her insurance program run on autopilot may not be the best route to take in the long run.
Even if your retirement is years away, it's important to understand how inflation can affect your retirement savings. You probably know that inflation can depreciate your savings over time.
Sometimes in life, things don't work out as planned. One of the most trying examples is when a couple decides they can't make their marriage work and, subsequently, files for divorce. Divorce can take a significant financial and emotional toll on a couple, their children, and other family members. In the midst of immediate financial and legal concerns, couples also need to consider ways to help protect their individual financial futures and that of their children's in the event of death. Life insurance may offer a solution.
If you have been fortunate enough to accumulate substantial assets during your lifetime, do you know that estate taxes could reduce the amount you will be able to pass on to your heirs? Federal estate tax rates can reach as high as 35% for estates greater than $5.12 million in 2012. Unless Congress takes further legislative action, starting in 2013, the top estate and gift tax rates will revert to 55%, with exclusion amounts of $1 million. Therefore, it is important to develop an estate planning strategy that helps reduce the impact of estate taxes. By making gifts of existing assets during your lifetime, you can help reduce the size of your estate and lessen your family's future estate tax burden.
Retirees have many options when choosing where to live. While climate, proximity to family, and the cost of housing will likely factor into the decision about where to retire, prospective retirees should also take into account the amount of taxes they will owe in the state and town where they have their primary residence.
Currently, there are two popular Individual Retirement Accounts (IRAs) vying for your attention: the traditional IRA and the Roth IRA. While both are long-term savings vehicles with tax benefits, each has different rules concerning contributions, age, and income that may change from one year to the next.
When contemplating retirement, you, like many other people today, may be counting on Social Security benefits to provide you with a basic level of income. The age at which you choose to retire is an important part of the equation. In addition, there are many other issues to consider when making that choice.
When weather forecasts are inaccurate, we can usually change our plans with little consequence in the greater scheme of things. When economic forecasts are inaccurate, however, the consequences may be more significant. While making financial decisions does involve some guesswork, an educated guess - even with elements of uncertainty - may be better than making a decision with no forecast at all.
As leasing continues to grow in popularity, many new car buyers wonder how the option of leasing compares to buying. Let's look at a hypothetical couple, Peggy and Stan, who have always purchased their vehicles. After hearing friends and relatives tout the benefits of leasing, they now wonder whether it is better to lease or buy.
Is early retirement on your wish list? Do you envision a relaxing lifestyle in a warmer climate or the leisurely pursuit of a personal hobby? Unfortunately, retiring later than anticipated, rather than sooner, is becoming more and more commonplace. But some people are still managing to retire early. You may be asking yourself, "How do they do it?"
With the median net worth of American families showing signs of stagnation and traditional pension plans disappearing, even as the growing number of retirees places pressure on the Social Security system, workers who are currently trying to plan for retirement are facing an uphill battle, according to a report released by the Society of Actuaries Committee on Post Retirement Needs and Risks (CPRNR), the Urban Institute, and the Women's Institute for a Secure Retirement (WISER).arrangements.
The Federal Fair and Accurate Credit Transactions Act of 2003 (FACTA) relaxed the rules governing employer investigations of employees accused of misconduct such as discrimination, sexual harassment, and workplace violence, etc. A business can hire an outside firm to investigate allegations of employee misconduct without receiving the accused employee's written consent for the investigation. In addition, businesses are only required to provide a report when adverse action is taken and may withhold the names of interviewed sources.
Planning for certain contingencies, such as death, disability, or retirement, is a concern that affects all business owners. For family businesses, in particular, continuation planning is inevitably intertwined with business, tax, and estate planning. One succession tool that can help ensure a smooth transition is the buy-sell agreement. These multifaceted agreements serve many valuable purposes, such as establishing a sale price for business interests; valuing an estate for estate tax purposes; providing liquidity; and easing the transfer of ownership between partners, family members, or a third party.
Charitable contributions can be especially important to help support an organization or a cause that's close to your heart. As an added benefit, you may be able to deduct a portion of your contributions on your Federal income tax return. However, as with all tax deductions, it's important to keep accurate records of charitable donations in the event you one day need to substantiate such gifts. Therefore, be sure to obtain a receipt to confirm your charitable contribution.
As days turn into weeks and weeks turn into months, it may feel like there is little time to catch up on all of your financial responsibilities. Sometimes it may be easier to simply toss ATM receipts, credit card bills, and bank statements into the "junk drawer" to deal with later. But, later never seems to come. Is it time for you to put fiscal fitness at the top of your to-do list?
Because of the generous capital gains exclusion on selling a primary residence, you may find that you do not owe Federal taxes when it comes time to sell your home. But there are situations in which a seller may incur a tax liability, especially if the sale price is very high, if the house is sold soon after purchase, or if the owners are unmarried or are selling as the result of a divorce. In many of these cases, however, the amount owed to the IRS can be minimized, or offset, with some advance planning.
For many married couples, retirement planning has become not only a personal responsibility but a financial necessity. Since Americans are living longer, retirement funding may need to span several decades beyond the normal retirement age. When you consider the escalating costs of health care, the uncertainty of Social Security and Medicare, and the pace of inflation, it is more important than ever to explore tax-advantaged saving options that can fit into you and your spouse's overall financial plan for retirement. Let's take a closer look at some of the benefits of a Roth Individual Retirement Account (IRA).
In the language of life insurance, a beneficiary is the recipient of the proceeds of a policy when the named insured dies. The owner of a life insurance policy has a great deal of flexibility in naming beneficiaries and can generally name anyone he or she chooses. However, it is important to understand the different types of designations and methods of distribution before choosing your beneficiaries.
When thinking about funding sources for your children's college education, you may assume your family earns too much to qualify for Federal grants, loans, and work-study job assistance. However, families with higher incomes are frequently eligible to receive some form of financial aid from the Federal government.
It can be fairly easy to underestimate your net worth. After all, predicting the future value of your home and savings is merely hypothetical. On the other hand, you can rely on the fixed amount of the death benefit provided by your life insurance policy. However, adding this often significant sum to your asset pool could expose your estate to the Federal estate tax.
Determining your current life insurance needs is important, but your needs may change in the future. Projecting future coverage needs requires you to pay careful attention to inflation, as well as changes in your personal circumstances.
The IRS has been stepping up its efforts to ensure that Americans are accurately reporting the taxes they owe and is auditing a growing number of taxpayers, especially those with high incomes and complex financial arrangements. While all taxpayers are at risk of being audited, you may be more likely to attract the attention of the IRS if certain "red flags" appear on your return.
Housing costs have soared over the years. And, while owning your own home may still represent the American dream, many people are unsure at what point it becomes less expensive to buy than rent. There are four key elements in making that decision: 1) the cost of the home; 2) the amount of the down payment and other out-of-pocket expenses required; 3) the interest rate on the mortgage; and 4) your income tax bracket.
Vesting refers to an employee's entitlement to funds contributed to a qualified, employer-sponsored retirement plan. An employee's contributions—and any earnings on these contributions—are fully vested from his or her start in the plan. An employer's matching contributions, on the other hand, may vest according to a schedule set by the employer, as specified in the plan document and following applicable regulations. Therefore, an employer can arrange his or her contributions to follow a vesting schedule that rewards loyalty by fully vesting plan participants after a specified number of years.
If you're a small business owner, you've invested a great deal of time and effort into building your company. With day-to-day demands, it may be difficult to imagine your eventual transition into retirement. Yet, if you want to build personal financial security and ensure business continuation, it is important to plan ahead. Business succession planning can help create retirement income for a retiring business owner and facilitate the transfer of operations and/or ownership to family or another entity. A succession plan can also provide a strategy to handle unforeseen events, such as death or disability.
Many business owners have life insurance to help protect the financial well-being of their families in the event of their death. They also have property and casualty insurance to help cover the value of their personal belongings in the event of damage, fire, or theft. However, many business owners may overlook one of their most valuable assets, which is their ability to earn an income.
Whether you are moving to another employer because of a new opportunity or because you were laid off from your previous position, changing jobs can have major tax implications, both for the amount of taxes owed in the year you start a new position, and for your long-term retirement planning.
Whether you run a small, family-owned business or a large company, attracting and retaining key employees is challenging in today's economy. Businesses often compete for skilled and talented employees in the same way they compete for a customer's business. So, how can your business set itself apart with top performers?
Small business owners inevitably juggle many competitive priorities. While it can be challenging to keep everything running smoothly, "dropping the ball" on cash flow can be a costly oversight. Effectively managing the money flowing in and out of your company is key to staying in business. As you plan for success, three basic steps can help you successfully manage your cash flow: tracking, analysis, and budgeting.
Often, large public companies have teams of people dedicated to reporting organizational changes to the business community and credit rating agencies. Smaller private companies, however, must make more of an effort to ensure that their credit reports accurately reflect the current state of their businesses. They need to make certain that reports are free of errors or omissions that could damage their reputation or hinder access to loans or other forms of credit.
If you're considering whether or not to buy your first home, it can be an exciting and time-consuming process. For many, the purchase of a home is the largest purchase they will ever make. Therefore, it's not a decision to be taken lightly. If you feel that you will be better off financially as an owner instead of a renter, one important question remains: What mortgage amount could you afford?
Suppose you arrive at your company one morning and discover that a key employee died unexpectedly the night before. Have you ever considered how such a turn of events may affect your company? Along with losing a valued member of your team, you may also be losing knowledge, skill, and important professional relationships cultivated over many years.
For millions of Americans, "charity begins at home." Many have decided to make a difference by donating money to local religious, educational, social, or cultural organizations. In addition to the immense satisfaction that comes from giving to others, charitable giving can provide tax benefits for the donor and his or her heirs when done as part of an overall estate plan.
It takes four years, on average, to graduate from most colleges and universities. During that time, students can accumulate a large amount of debt. For most, the degree is worth the burden of paying off student loans long after graduation. However, these questions remain: How should the debt be repaid? Are there any plans that can help make "payback" easier? What if a student can't find a job right away?
Contributing to tax-advantaged retirement plans is one of the most effective financial planning strategies available to U.S. taxpayers: Saving money in a 401(k), IRA, or a Roth IRA account can trim your tax bill, while helping you prepare for the future. Even if you are already contributing to a retirement plan, you should review your retirement savings strategy regularly to ensure that you are making the most of the tax breaks you qualify for.
Television shows featuring auctions and appraisal fairs have ushered the art of appraising into the limelight with fascinating stories—an ancient artifact unknowingly passed down from generation to generation, a rare trinket picked up at a yard sale, or an historic relic found tucked away in the corner of the attic. While appraisals occasionally lead to surprising discoveries, they more often play a key role in developing financial strategies.
Whether your estate plan is simple or complicated, many details can undermine the effectiveness of your plan. But, there are also ways to ensure the effectiveness of your plan. Here are 10 steps to help remedy or avoid some common estate planning mistakes:
Like many Americans, you may find yourself having to help cover the medical costs and caregiving expenses of an aging parent or other close relative. If you and your parent meet certain criteria set by the Internal Revenue Service (IRS), you may qualify for tax breaks that can ease the financial burden of paying for care, even if your parent does not live in your home.
Many Americans are considering moving abroad to take advantage of professional and personal opportunities in a global economy. But as a U.S. citizen living in a foreign country, your tax situation may become more complex, especially because the U.S. requires all of its citizens and green card holders living abroad to continue to file returns in the U.S., and pay taxes on their worldwide income. Depending on the source and level of your income, however, you may be entitled to a number of tax breaks, chiefly designed to keep you from being taxed doubly by your adopted country, as well as in the United States. Whether you actually come out ahead on taxes will depend on which country you work in and its tax rates, along with your individual financial and employment situations.
Many people dream of turning their passionate pursuit into a money-making venture. Creating a successful and profitable business is seldom easy, but the Federal government offers tax incentives to business owners that could make converting an avocation into a business start-up an effective part of your overall tax planning strategy. If you are thinking about turning your hobby into a business, you would need to realistically appraise your chances of building a profitable enterprise before you declare yourself a business owner.
Owning property with another individual or partner may create a complicated relationship. Due to the complexity of the situation, the way in which you take title or ownership must be determined in advance. Consulting with your legal professional can help you establish the form of ownership in such a way that will benefit you and your future heirs. The four forms of co-ownership, one of which will likely be better suited to your circumstances, are as follows:
The prospect of writing a will can often bring up uncomfortable feelings. Yet, drafting a will is one of the most important components of estate planning. Having a will in place ensures that your heirs will be provided for and your wishes for asset distribution will be met. Like many people, have you postponed writing a will? Or, is it time to review and update it?
Traditionally, estate planning has focused on minimizing estate taxes and directing the disposition of your assets after death. Today, managing your financial well-being often includes the potential need for long-term health care. If you were to sustain a debilitating illness, or become mentally incapacitated, which can occur gradually due to a progressive medical condition, or suddenly, from an unexpected accident, who would make your important legal, financial, and health care decisions, and on what authority?
As a business owner, you have probably worked long and hard to build a successful company. Yet, even when profit projections look promising and a project is backed by a sound business plan, your banker may be reluctant to lend the funds necessary for expansion, particularly if the success of your venture depends too heavily on you.
Some of us may remember the "good old days," when gasoline prices were as low as 25¢ per gallon. Others may recall when a can of soda cost 15¢. But prices tend to rise over time—sometimes steadily and sometimes abruptly. In the years ahead, inflation will most likely decrease the purchasing power of your money, which means that during retirement, your dollars will buy less than they do today.
One important decision you will need to make when writing your will is selecting an estate executor. Ideally, your executor should possess the tact of a diplomat and the administrative skills of a professional executive. You may want to choose someone who knows you and your family well enough to faithfully carry out your wishes, but who also has the necessary objectivity to handle any conflicts that may arise.
Prospective insurance buyers are often confused about disability income insurance because the features and benefits can vary widely from one policy to another. Essentially, there are a few key elements that could make a big difference when you make your choice. If you are in the market for disability income insurance, here are some significant points to consider:
Many estate planning practitioners view the irrevocable life insurance trust (ILIT) as a flexible and useful tool that can provide a number of benefits to their clients. Because the question of where the ILIT fits into the overall estate planning process can be somewhat confusing, a closer look at its potential advantages may prove helpful.
Planning ahead for retirement means setting long- and short-term goals, while deciding how they will be met, within the framework of a changing financial picture. As your golden years approach, consider these factors to better position yourself to enjoy your retirement years:
Increased mobility in today's society has changed the ways in which we live, work, and play. Compared to previous generations, it is now quite common for work and recreational activities to cross state lines, resulting in ownership of property and formal relationships in more than one state. However, the expanded opportunities created by mobility may come at a price: the increased likelihood that several states may be able to tax your estate when you die. If you were to die today, do you know if more than one state would attempt to levy taxes on your estate?
When it comes to your retirement, there are three factors that you may want to take into account when planning for your retirement income needs.
Despite the best intentions, marriages may not last forever. If you are divorced or widowed, and planning to remarry, you may want to take the opportunity to review and revise your estate conservation strategies. This is especially important if you and your future spouse have children from previous marriages.
If you are newly married with no children, you may have a special opportunity to build your savings and investments. Financially, a married couple can be more than the sum of its parts. One spouse can work steadily, while the other studies for a college degree or launches a promising business. Or, if both spouses hold jobs, you can try to live on one paycheck and save or invest the other paycheck.
For many individuals with accumulated wealth, occasional gifts to a favorite charity may satisfy their charitable inclinations. The added incentive of an often-substantial tax deduction, coupled with various estate planning benefits, can be the driving force behind such charitable gifts. However, for some individuals, philanthropy is a far more serious endeavor, often involving a succession of substantial gifts of at least $5 to $10 million, which may necessitate an amount of control and general oversight. In these situations, a
private foundation can be an ideal venue for managing a large, ongoing charitable giving program.
A four- or five-year-old child may seem too young to grasp the concept of money management, but even at an early age, children waiting in a supermarket checkout line can see that money buys things. Therefore, it is important to begin as early as possible to help your child understand the value of money.
While most people find the notion of creating a budget about as appealing as cleaning out closets, most would agree that the result—a well-crafted and useful budget—is worth the work
Debt management is a practice that is always "in style," whether economic times are good or bad. Effectively managing your debt prepares you to weather tough economic times, as well as to capitalize on a more robust economy. Here are some tips to help you get out, and stay out, of debt:
Regardless of the path your life takes, money will play an important role at every turn. Certain events, especially graduating from college, entering the work world, getting married, having children, and retiring all require targeted financial strategies. Developing good financial habits now can go a long way toward helping you achieve your future financial goals.
More consumers are conducting financial transactions online and may become vulnerable to tracking, hacking, identity theft, phishing scams, and other cyberspace risks. While nothing can guarantee complete safety on the Internet, understanding how to protect your privacy can help minimize your exposure to risk.
When you give $100 to your favorite charity, you are probably not overly concerned about how your donation is spent, as long as it advances the mission of the charity. On the other hand, if you are making a large donation, it is more likely that you have specific goals in mind, whether to fund a particular program or support another endeavor. This desire to specify exactly where your donation dollars will go may jeopardize your ability to claim an income tax deduction. Therefore, proper planning is essential.
If you are in the market for a new home, interest rates are favorable, and good deals are not difficult to find in many areas of the country. Buying a home is the single largest purchase most people will ever make, and for first-time homebuyers especially, the financing process can appear complicated. The following information provides you with some preliminary information to understand how mortgages work.
Many large U.S. companies and organizations have some form of workplace surveillance system in place for monitoring security. But with advances in technology, workplace monitoring has come of age and is also available to small business owners, to closely observe employee behavior. While many employers may use workplace monitoring for what they believe to be legitimate purposes, such as checking employee productivity, performing business-related quality control, or tracking sources of leaks in confidential company information, companies need to formulate specific guidelines—and adhere to them—for the proper usage of security systems, in order to abide by existing laws that help protect employee privacy.
The sage advice that a journey of a thousand miles begins with a single step, also applies to saving for your retirement. It's up to you to take that first step. If you wait until you have "enough" money to begin saving, you may never start at all. Instead, focus on the first step. Then, you can begin transforming that thousand-mile journey to retirement into smaller, more manageable goals.


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Discover here more job vacancies on academics – the leading job market for science and research. In order to receive information about suitable job vacancies regularly by email, you can register with us free of charge at any time.
With our job newsletter, you will receive suitable job ads as well as interesting content matching your search profile  on a weekly basis.
The LGSA is a joint PhD program of the Leibniz Institute on Aging - Fritz Lipmann Institute (FLI) and the Friedrich Schiller University (FSU) in Jena.

subset: commoncrawl


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The LXDE BETA images for the upcoming GhostBSD 3.0 is now available. This release provides users and developers a system to test out new installer features in the upcoming release. This beta may contain buggy code and features, so we are encouraged you to run it only on non-critical systems.
Changes since Stable 1
- FreeBSD 9.0 r3 to FreeBSD 9.1-BETA1.
- New look more clean and clear.
- Major Installer bug as been fix.
- The installer was swamping the entire disk as been fix.
- If the installation have an error it will now tell you.
New features
- FreeBSD 9.1
- Gnome2 and 3(Gnome 3 will be release later)
- New graphical installer!
- New look!
- Support for ZFS
- Support for UFS-SU+J
- Improvements to wifi
- And much more!
Know Issues
- ZFS is not fully tested.
- GhostBSD LXDE BETA1 do not fit on a CD
- Wifi configuration in /etc/rc.conf
Reporting bugs
Report bugs by the mailing list, the development portal or by the forum.
If you get an installation error please provide us with /tmp/.pc-sysinstall/pc-sysinstall.log and the full explanation of the way you have configured it.


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If you're an active person, you'll probably get a sprain or a strain at some point. They're common injuries, especially for people who play hard or are into sports. Let's find out more about them.
Muscles contract and relax (almost like rubber bands) to help your body move. So a strain is exactly what it sounds like: a muscle or tendon (tissue that attaches muscle to bone) that has been stretched too far. It's common for people to strain the muscles in their backs, necks, or legs.
Bones meet at joints, such as elbows, knees, or shoulders. That's where your body bends and rotates. Strong, elastic bands of tissue called ligaments hold bones together in the joints. A sprain happens when those ligaments have been overstretched (mild sprain) or torn (severe sprain). Ankles, wrists, and knees sprain easily.
A strain, which is an injury of the muscle or tendon, may start to hurt immediately or several hours later. The area will be tender and swollen and might also appear bruised. Someone with a strain may notice weakness or muscle spasms in the area.
A sprain, which is an injury of a ligament, will probably start to hurt right away. Usually the injury will swell and look bruised, it may be hard to walk or move the injured part, and you might even think you have broken a bone.
Strains often happen when you put a lot of pressure on a muscle or you push it too far, such as when lifting a heavy object. Strains may be more likely to happen if you haven't warmed up first to get blood circulating to the muscles. They're also common for someone returning to a sport after the off-season. That first time playing softball after a long winter off might lead to a strained calf or thigh muscle.
Sprains are caused by injuries, such as twisting your ankle. This kind of injury is common in sports, but can also happen any time you trip or fall.
If you get a strain or sprain, try not to use the part of your body that's hurt. That means not walking on a hurt ankle or using a hurt arm. It can be hard to tell the difference between a sprain and a broken bone, so it's often a good idea to see a doctor. In some cases, you might need to go to the emergency department.
First, a doctor will look at your injury. He or she may gently touch the area, check the color, feel if your skin is warm or cold, and look for swelling and tenderness. If you hurt your ankle, your doctor might ask to see if you can stand on it. In some cases, the doctor will order an X-ray to tell if the bone is broken.
It's very important to follow your doctor's instructions. When you get home, think RICE as a way to remember how to take care of your injury:
If the swelling has gone down after 24 hours, it's OK to use warm compresses or a heating pad to soothe aching muscles. Take any pain medications that have been ordered by your doctor.
A mild strain takes about one week to heal, but a more severe one can take several weeks. A sprain may also take longer — as long as 4 to 6 weeks to heal or sometimes even longer. While your strain or sprain heals, take it easy and don't do anything that could cause another injury.
If you've visited the doctor for your injury, you might have a follow-up visit to make sure everything is healing just right. When you're all healed, your doctor will give you the green light to return to your favorite activities.
Reviewed by: Larissa Hirsch, MD
Date Reviewed: 14-03-2014


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Condition: Standard
DustJacket: Standard
All Product Details
In this sequel to Daughter of the Centaurs, Malora leaves the safety of Mount Kheironin search of Sky, the stallion who used to lead Malora's herd of horses. She travels with her closest friends through the wild and dangerous bush, and wind up in a city built on the ruins of Cairo--which is wild and dangerous in a different way. This journey sees Malora facing decisions that have the potential to turn her future around in a completely different direction. Whether she is chosing between a haven and an adventure, companionship or true love, Malora's struggles to discover what she really wants mirror the lives of contemporary teens, making this read as meaningful as it is entertaining.


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Medical Device Materials Provide Design Options and Performance
DuPont polymers support medical applications with tested performance, manufacturing control, and regulatory conformance.
DuPont has a broad range of medical device materials, including Delrin®, Hytrel®, Crastin® and Zytel® polymer families. These materials are backed by testing, regulatory review, and DuPont resources who will work with you from your material specification through manufacturing.
Range of Grades
In addition to standard grade materials, our polymer portfolio includes food contact compliant (FG) grades, as well as both Special Control (SC) and Premium Control (PC) grades. Both of the SC and PC grades are differentiated by a greater degree of testing, manufacturing control and regulatory support.
Special Control (SC) and Premium Control (PC) Grades
DuPont SC and PC grades offer:
- Manufacturing according to GMP principles
- Food contact statements (EU/FDA)**
- Testing against selected parts USP Class VI
- Testing against relevant parts ISO 10993
- Sterilization data
- Global availability
** Some grades may not have EU food contact approval
Innovative Design Uses
Disposable and reusable insulin pens are helping dramatically advance diabetes treatment. The pens are manufactured using several grades from our medical device material portfolio, which can include Crastin®, Hytrel®, Delrin®, and Zytel® polymer families. These materials are utilized in the intricate system of ratchets and gears which function as the delivery mechanism of the injector pens. Materials that deliver excellent dimensional stability, in combination with resistance to creep, and a certain level of natural lubricity, are needed.
DuPont™ Hytrel® thermoplastic polyester elastomer, Delrin® acetal resin and glass-reinforced Zytel® nylon are being employed for use in NuDrive, the world's first lightweight and compact lever-drive accessory for manual wheelchairs. The ergonomic lever-drive propulsion accessory reduces the force required to self-propel a wheelchair by up to 40%. Beyond the high performance of these engineering polymers, they are also lighter and more cost-effective to produce than metal components.
Sterilization Resistance
Sterilization is vital for both single-use and multiple-use devices, and it is important that materials used in medical components are not affected by the sterilization process. DuPont medical device materials have properties that withstand the conditions required for nearly every sterilization approach. This feature provides material selection flexibility so that manufacturers can select the best material for their specific application requirements.
Low Friction
DuPont plastics also offer options for low wear/low friction applications, both when in contact with themselves and with other materials, such as steel. This is particularly important, as additional lubricants applied during a secondary operation tend to be avoided by medical device manufacturers, due to concerns regarding consistency of secondary operations, and uniform performance of the end product.
Lasting Flexibility
Hytrel® provides flexibility and the ability to return to its molded shape even when subjected to repeated stress. For example, it is used in the Niagara Foot™ prosthetic foot design. Its energy-return design relies on the stiff, yet flexible properties of Hytrel® to provide user benefits in terms of stability, durability, effectiveness and comfort. Available in the range of shore D30 to D82 hardness, Hytrel® is also economical to process, using a variety of molding or extruding technologies.
Tested and Demonstrated
An important differentiator for Delrin®, Hytrel®, Crastin® and Zytel® Special Control (SC) and Premium Control (PC) grades is the high degree of testing, manufacturing control, and regulatory compliance they offer. DuPont provides experienced application support worldwide, excellent quality control, and consistent/demonstrated supply.
Food Contact Materials
Plastics for Medical Devices
DuPont Performance Polymers offers a portfolio of Special Control (SC) and Premium Control (PC) grades of plastic. These grades are used in the manufacturing of components across various healthcare segments.
Plastics for Medical Devices
DuPont Performance Polymers offers a portfolio of Special Control (SC) and Premium Control (PC) grades of plastic. These grades are used in the manufacturing of components across various healthcare segments.
DuPont Plastic Design Guide
From material selection to tolerances, the Plastic Design Guide details 10 top tips for effective design, efficient production, and successful products.
- Polymer Properties Guide
Delrin® 100 Series
Delrin® properties of the Delrin® 100 series make it the premier resin of choice in the most demanding applications where the ultimate in toughness combined with high strength, creep and fatigue resistance are required.
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Hytrel® for Medical Tubing
Hytrel® fulfills plastic medical tubing requirements for flexibility, compliance with purity standards, toughness & resistance to flex fatigue, to a wide range of chemicals, and to traditional medical sterilization procedures.
- Polymers for Better Injection Devices


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U.S. Equal Employment
Opportunity Commission
First Commission Legal Action Challenging Workplace Genetic Testing under Disabilities Act
WASHINGTON -- The U.S. Equal Employment Opportunity Commission (EEOC) announced today that is has settled its first court action challenging the use of workplace genetic testing under the Americans with Disabilities Act of 1990 (ADA). EEOC had sought a Preliminary Injunction against Burlington Northern Santa Fe Railway (BNSF) to end genetic testing of employees who filed claims for work-related injuries based on carpal tunnel syndrome.
"EEOC sought the preliminary injunction to prevent irreparable harm to employees who faced the impossible choice of potentially losing their jobs or revealing their genetic makeup," said Commission Chairwoman Ida L. Castro. "Our swift action in this case allows Burlington Northern employees subjected to genetic testing to continue to work free of retaliation and future invasions of privacy in violation of the Americans with Disabilities Act."
According to EEOC's Petition, Burlington Northern's genetic testing program was carried out without the knowledge or consent of its employees, and at least one worker was threatened with termination for failing to submit a blood sample for a genetic test. Today's settlement, in which BNSF admits that it tested certain employees for a genetic marker, is in the form of an Agreed Order and includes the following terms:
In addition, as part of the settlement, BNSF shall preserve all evidence relevant to its genetic testing until several charges of discrimination filed with EEOC against the company are resolved. In its ongoing investigation of the initial charge filings, EEOC may seek compensatory and punitive damages up to $300,000 per individual (the statutory cap) for a class of claimants ranging from 20 to 30 BNSF workers who were either subjected to genetic testing or retaliated against for failing to submit to such tests.
"The Commission will continue to respond aggressively to any evidence that employers are asking for or using genetic tests in a manner that violates the ADA," said EEOC Commissioner Paul Steven Miller, who in July 2000 testified before the U.S. Congress on genetic discrimination.
Miller added: "Employers must understand that basing employment decisions on genetic testing is barred under the ADA's "regarded as" prong, as stated in EEOC's 1995 policy guidance on the definition of the term "disability." Moreover, genetic testing, as conducted in this case, also violates the ADA as an unlawful medical exam."
The Agreed Order entered today is enforceable by the U.S. District Court for the Northern District of Iowa, Western Division, located in Sioux City, Iowa, and will remain in place until the EEOC completes its investigation. The settlement was negotiated for EEOC by Laurie Vasichek, senior trial attorney of the agency's Minneapolis Area Office, and Jean Kamp, regional attorney of the Milwaukee office.
In its Petition for Preliminary Injunction, filed on February 9, 2001, the EEOC asked the Court to order the railroad to end its nationwide policy of requiring employees who have submitted claims of work-related carpal tunnel syndrome to provide blood samples, which are then used for a genetic DNA test for Chromosome 17 deletion - which is claimed to cause carpal tunnel syndrome in rare cases.
EEOC also sought to halt any disciplinary action against or termination of any employee who refused to submit a blood sample for genetic testing. EEOC brought the motion after a preliminary investigation of six discrimination charges led Chester V. Bailey, district director of the EEOC's Milwaukee District Office, to conclude that "the employees would suffer irreparable injury through the invasion of their most intimate privacy rights if BNSF's practice of genetic testing is not ended."
EEOC is the federal agency responsible for enforcing Title I of the ADA, which prohibits discrimination against qualified individuals with disabilities, including prohibiting an employer from seeking disability related information not related to an employee's ability to perform his or her job. In addition, EEOC enforces Title VII of the Civil Rights Act of 1964, which prohibits discrimination on the bases of race, color, religion, sex or national origin; the Age Discrimination in Employment Act, which protects workers age 40 and older; and the Equal Pay Act which prohibits sex-based differences in compensation. Further information about EEOC, including its ADA policy guidances, is available on the agency's Web site at www.eeoc.gov.


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Regular Version
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NOTE: Dramatica® Story Expert™ is the compatible version of Dramatica for Mac OS X 10.7 and above.
Learn More | Add to Compare


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Bundle Stars giving away copies of Pid for Steam
Bundle Stars is teaming up with developers Might & Delight to give away a couple hundred thousand copies of the game Pid. Just head to Bundle Stars and follow the two steps and you'll get the $10 title for $0.
Pid headlines
The Choices 2013 Bundle from Indie Royale is now available
The Choices 2013 Bundle is now available through Indie Royale. This week's bundle features eight titles featured in previous bundles from 2013: A Valley Without Wind, A Valley Without Wind 2, Cognition Episode 1: The Hangman, Cognition Episode. 2: The Wise Monkey, Dungeon Hearts, Pid, Richard & Alice and Waveform. All the games are available […]
Sony hosting bi-weekly indie sale on PlayStation Store
SCEE has announced a bi-weekly indie sale starting June 5. Each of the following offers will run for two weeks and be replaced by another: Pid, (Was €9.99/£7.99, now €5.99/£4.79, additional 30% off for PS Plus members), Topatoi, (Was €9.99/£7.99, now €3.99/£3.19, additional 10% off for PS Plus members), and Zack Zero (Was €9.99/£7.99, now […]
Indie Royale's Lunar Bundle is live
The Lunar Bundle from Indie Royale is now live and comes with seven games including Pid, Cargo Commander, Back to the Future: The Game and Dungeon Hearts with three more to be announced later. The seven games have a combined value of over $50 and the current minimum is $5.82. All are available for Windows […]
Shelter: Pid developer reveals new project with trailer and screens
Shelter is the new game from Pid developer Might and Delight. It casts you as mother of a litter of badger cubs forced to defend them against the harshness of nature. We've got a trailer and debut screens right here.
Pid patched to add easy mode
Beautiful indie platformer Pid has been updated with the option to turn the difficulty down. The game's website claims the new easy mode isn't just a little more forgiving – it boasts redesigned levels as well as shorter and simpler boss encounters. Normal difficulty has also been tweaked to remove certain difficulty spikes, and you […]
Pid out today, gets launch trailer too
Pid is a new adventure platformer from indie developer Might & Delight. It puts players in the shoes of a young boy named Kurt, whose stranded on a colorful, distant planet populated by malicious robots. You can get it today for PC, Mac, and Xbox 360, with a PlayStation 3 release to come sometime in […]
Pid launches on Steam and XBL October 31, releases on PSN later this year
Planet in Distress, the indie platformer from Might and Delight will be released at the end of the month on Steam, and XBL, the developer has announced. It will run you 800 MS Points/$9.99 on October 31, and is slated for release on PSN later this year. Thanks, Gematsu.
Pid release secured through D3 Publisher
D3 Publisher has stepped in to help out with the Xbox Live Arcade launch of indie platformer Pid. Celebrate this news with a trailer through the break.
GRIN veterans introduce Pid, due 2012
This gorgeous trailer debuts Pid, a new platform adventure from a team with some serious industry history.
Pid latest
Shelter: Pid developer reveals new project with trailer and screens
Pid launches on Steam and XBL October 31, releases on PSN later this year


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You are hereNews Hounds: Proof: Ted Nugent Is A Draft Dodger. Will Hannity Keep Defending Him?
News Hounds: Proof: Ted Nugent Is A Draft Dodger. Will Hannity Keep Defending Him?
-by Ellen
August 26, 2007- Since we've been discussing Ted Nugent lately, this seemed a good time to bring up Nugent's draft dodging. It's well known that Nugent claims to have gone to great lengths to flunk his Draft Board physical. What's not so well-known is that he got a student deferment at the same time he was touring with his rock band, putting in an average of 300 shows a year. How was he going to school and touring that much at the same time?
One of our readers sent me a copy of an extract of Nugent's Selective Service records, obtained via a FOIA request (copy below). As you can see, Nugent received student deferments in 1967 (1-S) and 1968 (2-S). But according to the Internet Movie Data Base website, Nugent has been "performing professionally since 1958, non-stop yearly touring since 1967, averaging more than 300 shows per year '67-73." Hmm, that would include the two years he was supposedly too wrapped up in his studies to be serving his country.
But that hasn't stopped Nugent from insisting that if he HAD served, he would have been one big mofo soldier. As the Rutland Herald reported, Here's what Nugent said he would have done if he went to Vietnam:
"… if I would have gone over there, I'd have been killed, or I'd have killed, or I'd kill all the hippies in the foxholes … I would have killed everybody," he told the Detroit Free Press in an interview published July 15, 1990."
The Herald also noted that Nugent's efforts to avoid the draft make President Bush look like a war hero.
(Nugent claims) that 30 days before his Draft Board Physical, he stopped all forms of personal hygiene. The last 10 days he ingested nothing but junk food and Pepsi, and a week before his physical, he stopped using the bathroom altogether, virtually living inside his pants caked with excrement and urine. That spectacle won Nugent a deferment.
Sean Hannity went to ridiculous lengths Friday night (8/24/07) to defend Nugent's threatening rants against Hillary Clinton and Barack Obama. FOX & Friends whitewashed Nugent's comments the next day. Apparently, this "patriot" can do no wrong on the "We like America" network.


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Find the Best Way to Transfer Money to India
To find the best way to transfer money to India, you should compare your options. Even before you do that, it's important to understand how it actually works.
How to transfer money to India from Australia
While each bank and money transfer service is different, you will always need to follow these steps to transfer your money safely and quickly:
- Setting up an account usually takes 5-10 minutes and make sure you have some I.D. on hand
- Enter the bank details of the person or company you are sending the money to
- Pay for your transfer using a card or bank transfer
Now that you know how to transfer money to India, you can compare your options. We understand, this isn't easy.
Every bank and money transfer company offer different exchange rates and fees depending on how much you want to send.
That's why using our table compares the total cost of the transfer, based off the amount of your transfer.
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How to find the cheapest way to transfer money from Australia to India
Banks and money transfer services will offer different exchange rates and fees depending on your amount. To find the cheapest option, you really need to compare the total cost of the transfer based on your amount.
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How do I transfer money to an Indian bank account?
What information do I need to make a transfer?
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- In all cases you will need to provide the BIC or SWIFT code.
How long does it take to send money to India?
It depends on the provider you choose, how you pay for the transfer and how the recipient wants to get the money. Most money transfers to India via a specialist provider will take 0 to 2 days.
How can I pay for my money transfer to India?
Depending on your provider, there are several different ways to pay. Many providers accept direct bank transfers, wire transfers, or debit or credit card payments. They may charge a small additional fee, depending on how you decide to pay.
Is it safe to use The Currency Shop to compare?
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The Currency Shop does not charge you. Instead, we receive a referral fee from the banks and money transfer companies that we are partnered with. This does not affect the price you pay.
Your currency knowledge centre
5 Cheaper Ways to Transfer Money Overseas
Using a bank is one of the easiest ways of transferring money overseas, but can also be the most costly. There are alternatives that can make the whole process cheaper.
International Money Transfer Comparison and Reviews
Find the best international money transfer exchange rates to send money overseas from Australia. Compare the rates and fees from leading banks and money transfer services.
How to Transfer Money Overseas from your Australian Bank Account
Transferring money overseas from your Australian bank account is simple once you know how to do it, but you might be short on time to figure it out.


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ESL Job Feed is the most eclectic and broad source of ESL jobs and teaching positions available worldwide.?ESL Job Feed publishes links to ESL Job postings from a variety of sources including TESall, Total ESL, Yahoo!/Monster, Guardian Jobs, Chronicle of Higher Education, craigslist, TESOL Org, TEFL and many more. From conversation schools for beginners to university positions for teaching veterans,?ESL Job Feed is your source for English teaching positions worldwide.
Americans teach at Amerlish. Wonderful opportunity in BEIJING!
1. About Amerlish
Amerlish is an American style English training center located in Beijing, China. As the name suggests, we mainly teach English in a neutral American accent. Besides, our company use all-American business model, and most of our current teachers are from America (About 90%). Since 2014, we have been teaching English through literature and culture with great success.
We take care of your ticket to Beijing and are never indifferent to your concerns and discomfort.
Amerlish is committed to creating a positive experience for all of its teachers. Our company is co-managed by a team of Americans who have lived in China for several years. For teachers coming to China for the first time, we are extremely qualified in anticipating the questions, concerns, and the potentially perplexing circumstances you may have.
As an American-style school, we work to maintain an environment and a standard similar to what you might experience in the US. Amerlish teachers are assigned their own classrooms and given a tried and tested balance between structure and autonomy. Also, we are dedicated to smoothing the transition from the familiar comforts you enjoy at home to an exciting life here in the growing global city of Beijing.
We teach with neutral American accents in an immersive environment using our own proprietary curriculum based on the U.S. Common Core State Standards for English Language Arts. Our goal is to create a strong foundation of English for our young learners and build a sturdy language structure with beautiful finishes for our more advanced students in which we provide them with many opportunities to expand and grow. Here in Amerlish, you can be a real teacher and focus on teaching. Welcome to join us!
a) School Type: Language training center (3-12 years old kids)
b) Locations: Currently two locations, both in Haidian district, Beijing. China
c) Website for hiring: www.amerlish.us
d) Website for Chinese customers (In Chinese): www.amerlish.com
e)Facebook Page: Amerlish AME °®ÃÀÓ¢Óï
2. Salary Package
Salary Total up to 16,000 ~ 29,500 per month. We would like to be honest and make everything up front; your salary package will be dividing into several parts below:
a) Basic Salary: 13,000-22,000 CNY per month, based on experience, qualifications, and length of contract
b) Housing Stipend: 3,000 CNY monthly housing stipend
c) Food Stipend: 300 CNY monthly food stipend addition (15 RMB per work day)
d) Bounces: Class Bounces Up to 4,200 CNY per month and All of our teachers are on the same bonus plan
3. Other Benefits
a) Visa: Sponsored legal teaching Z visa (which allow you teach in China legally)
b) Flight and Arrival: We will buy you the ticket to Beijing, pick you up at the airport upon arrival, and provide free temporary accommodation in private room upon arrival as well as assistance finding an apartment.
c) Health Insurance: Assisted (Amerlish pays half), insurance allows for medical care at international hospitals with English service and no personal pay up front
d) Vacation: 15 Chinese holidays plus Christmas (1 day); 7~9 paid annual leave days.
e) Trainings & Support: Curriculum and Class training monthly, Chinese academic counselor¡¯s help in and out of class; membership in TESOL international
4. Job Requirements
a) Education: Bachelor Degree or higher
b) Certification: TESOL or TEFL certification (Amerlish TESOL sponsorship available), or majored in Education / Teaching / Language Arts / ESL, or a teacher¡¯s license and certification in the U.S., Canada, Australia, U.K., Ireland, South Africa, or New Zealand
c) Citizenship: To meet China's legal visa regulations, you must be a citizen from the United States, United Kingdom, Canada, Ireland, Australia, New Zealand, or South Africa. Exceptions may be made for education majors who graduated from a U.S. university.
d) Contract Length: One year and longer
5. Job Description
a) Class Sizes: 10~12 students maximum
b) Student Age: 3 ~ 12 years old
c) Workload: 5 days a week, maximum 40 working hours including 25 teaching hours. Typical working Hours: Wed. to Fri. 1:30pm to 8:30pm; Sat. & Sun.: 9:00am to 6pm
d) Training and Support: Full orientation and training upon arrival and continued trainings and assistance throughout contract. Curriculum and Class training monthly, Chinese academic counselor¡¯s help in and out of class; membership in TESOL international
e) Curriculum: Teach proprietary Amerlish curriculum (Language & Culture Program), which follows the U.S. Common Core State Standards (Level 1 to level 4, 3-8-year-old kids; curriculum begins CCSS with kindergarten-aged students)
6. Document Preparation for Visa
To help you get the legal teaching Z visa, we need you to provide the following documents. All documents must be translated into Mandarin and authenticated by appropriate government bodies. We will assist through this process and will reimburse you for visa document processing fees.
a) Clear background check from the state of residence for the last year or the FBI (must show a clean record)
b) College degree (bachelor degree or higher)
c) TESOL certification (If you are TESOL/ESL/Teaching major, you don¡¯t need to provide this. Amerlish TESOL sponsorship available)
d) In Good health (no translation needed)
7. How to Apply
Please send resume to firstname.lastname@example.com
Recruiter: Derek, Cavuue (pronounced Cavee)
Skype: Amerlish (email@example.com)
Phone: +86 13264262417
Wechat: AMERLISH123


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Psychedelic icon Owsley Stanley dies in Australia
(Posted in: Ampersand, Music, Pop Culture )
[CLICK the above credit line for the full article]
Owsley "Bear" Stanley, a 1960s counterculture figure who flooded the flower power scene with LSD and was an early benefactor of the Grateful Dead, died in a car crash in his adopted home country of Australia on Sunday, his family said. He was believed to be 76. . . . The renegade grandson of a former governor of Kentucky, Stanley helped lay the foundation for the psychedelic era by producing more than a million doses of LSD at his labs in San Francisco's Bay Area. . . . "He made acid so pure and wonderful that people like Jimi Hendrix wrote hit songs about it and others named their band in its honor," former rock 'n' roll tour manager Sam Cutler wrote in his 2008 memoirs "You Can't Always Get What You Want." . . . Hendrix's song "Purple Haze" was reputedly inspired by a batch of Stanley's product, though the guitarist denied any drug link. The ear-splitting blues-psychedelic combo Blue Cheer took its named from another batch. . . . Stanley briefly managed the Grateful Dead, and oversaw every aspect of their live sound at a time when little thought was given to amplification in public venues. His tape recordings of Dead concerts were turned into live albums. . . . The Dead wrote about him in their song "Alice D. Millionaire" after a 1967 arrest prompted a newspaper to describe Stanley as an "LSD millionaire." Steely Dan's 1976 single "Kid Charlemagne" was loosely inspired by Stanley's exploits. . . . According to a 2007 profile in the San Francisco Chronicle, Stanley started cooking LSD after discovering the recipe in a chemistry journal at the University of California, Berkeley. . . . The police raided his first lab in 1966, but Stanley successfully sued for the return of his equipment. After a marijuana bust in 1970, he went to prison for two years. . . . "I wound up doing time for something I should have been rewarded for," he told the Chronicle's Joel Selvin. "What I did was a community service, the way I look at it. I was punished for political reasons. Absolutely meaningless. Was I a criminal? No. I was a good member of society. Only my society and the one making the laws are different." . . . He emigrated to the tropical Australian state of Queensland in the early 1980s, apparently fearful of a new ice age, and sold enamel sculptures on the Internet. He lost one of his vocal cords to cancer. . . . Stanley was born Augustus Owsley Stanley III in Kentucky, a state governed by his namesake grandfather from 1915 to 1919. He served in the U.S. Air Force for 18 months, studied ballet in Los Angeles, and then enrolled at UC Berkeley. In addition to being an LSD advocate, he adhered to an all-meat diet. . . . A statement released by Cutler on behalf of Stanley's family said the car crash occurred near his home in far north Queensland. He is survived by his wife Sheila, four children, eight grandchildren, and two great-grandchildren.


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The catastrophe of homelessness is devastating for anyone, but for those living with HIV/AIDS, the lack of stable housing — and with it the ability to follow a complex health care regimen to decrease the risk of other illnesses — can be life-threatening.
The Coalition launched its Scattered Site Housing Program (SSHP) in 1990 as one of the city's first models for providing private permanent housing — as well as necessary supportive services — to homeless people living with HIV/AIDS.
SSHP apartments are scattered throughout the city, although most are in Harlem and the Bronx. Once a family or individual is placed in an apartment, our case workers meet with them bimonthly to provide a comprehensive array of services — helping manage the physical and emotional difficulties that accompany their illness. SSHP staff not only ensure that clients receive necessary healthcare and benefits, but accompany them to medical appointments and even shop for groceries if the client is too weak to go out.
To provide emotional stability, SSHP organizes depression and substance dependence treatment groups, meditation seminars, and support groups for families to help them cope with the challenges of having a loved one who is living with HIV/AIDS.


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Django Tutorial: IntroductionAdded on Sunday the 15th of April
This is the first part of a Django tutorial which will go through building a simple wiki. This introduction will explain how to install Django and start a project.
If you like what you read, please consider donating to help with hosting costs, and to fund future books to review.


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Late last month, a former employee filed a wrongful termination lawsuit against Los Angeles real estate mogul Mike Meldman, alleging racial discrimination and harassment. The full suit is here, but we're mostly concerned with a cameo appearance from pseudojournalist-for-hire Jim Gray.
The filing contains a number of exhibits that the plaintiff claims represents examples of the harassment he faced. One of them is a cryptoracist anti-Obama email forward he received from Meldman, having initially been passed along by Gray.
"The skunk has replaced the eagle as the new symbol of the American Presidency," it reads. "It is half black, half white, and everything it does stinks."
The meme originated in December 2011 with the Kansas-based Patriot Freedom Alliance, a local Tea Party organization, and caused a furor after it was criticized by the NAACP. The group took it down from their website. Nine months later, Gray forwarded sent it along to a number of his family members and colleagues, including Meldman.
Sure, it could be an entirely different Jim Gray, even though two of the people he sent the email to, Meldman and TV producer Bert Sugarman, are both co-investors with Gray in a Denver software company. Also in on the chain: Greg Cappelli, CEO of the Apollo Group, which owns the for-profit University of Phoenix, and Frank Luntz, the GOP strategist who helped NHL owners craft their PR strategy during the lockout.
In conclusion: Jim Gray is your racist aunt with richer friends.


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- Palabras clave > group of pharmaceutical substances
- Palabras clave > International Nonproprietary Names (INN)
- Palabras clave > international standards
- Palabras clave > nomenclature process
- Palabras clave > nonproprietary names
- Palabras clave > pharmaceutical substances
- Palabras clave > stems
- Palabras clave > use of stems
(2013; 192 pages)
The document "The Use of Common Stems in the Selection of INNs" is intended primarily for persons and companies applying to the WHO INN Programme for the selection of an INN for a new pharmaceutical substance and has been designed to assist in the process of devising a suitable proposal. It will also be of assistance to institutions and specialists involved in the review of proposed INNs, including drug regulatory authorities, pharmaceutical manufacturers, patent offices and trade mark officers as well as for scientists, teachers, health professionals and other persons interested generally in drug nomenclature. The document is composed of four main parts and annexes.
Part I "Introduction" describes the WHO INN Programme, INN selection procedure, and criteria for name selection and gives general information on the INN stem system.
Part II contains the list of all INN stems. It is composed of two indexes, one entitled "Alphabetical List of Common Stems" which presents the list of stems, and another entitled "Alphabetical List of Common Stems and their definitions" which includes a definition for each stem.
Part III presents the stem classification system used by the INN Programme to categorize the main activity of pharmaceutical substances. Each category included in the list is given an appropriate code consisting of a capital letter and three digits. When INNs for substances belonging to a given category include a specific stem, appropriate information is included in the table.
Part IV of the document entitled "Alphabetical List of Stems Together With Corresponding INNs" serves as a listing of all proposed INNs (published in lists 1 - 109) containing INN stems. The list is organized in alphabetical order (as set out in Part II) and includes all INNs containing individual stems. In addition, under each stem heading information is given on INNs in which the preferred stem has been used but not in accordance with its definition as well as on INNs which belong to the same group of pharmaceutical substances but in which no preferred stem has been used. To facilitate the use of Part IV, the lay-out of information is presented as a diagram on page 6 and is complemented by additional information given at the end of part I "Introduction".
Six annexes attached to the document are intended to be of assistance to users. Annex 1 reproduces the Procedure for the Selection of Recommended International Nonproprietary Names for Pharmaceutical Substances as approved by the WHO Executive Board in its resolution EB15.R7 as amended by resolution EB115.R4. Annex 2 reproduces General Principles for Guidance in Devising International Nonproprietary Names for Pharmaceutical Substances as approved by the WHO Executive Board in the above-mentioned resolution, as amended. Annex 3 explains the nomenclature scheme for monoclonal antibodies. Annex 4 explains the nomenclature scheme for Gene Therapy Products. Annex 5 gives reference to the volumes of the WHO Drug Information in which proposed lists of INNs have been published. Annex 6 "Why INN?" gives general information on the present situation of WHO INN Programme and its achievements.


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The Fettykil Fox
Leslie Roundabout, Leslie, Glenrothes, Fife, KY6 3EP 01592 749613
Leslie Roundabout, Leslie, Glenrothes, Fife, KY6 3EP 01592 749613
Ensure that the Festive period is time well spent with family and friends at your favourite country pub. From our crackling log fires, to our hearty festive menus, and our endearing cosy corners. We've the perfect setting for quiet relaxed drinks, group parties, and seasonal gatherings with loved ones.
Our Festive Menu runs from 25th November until 30th December, with three extra-special menus designed especially for Christmas Day, Boxing Day and Hogmanay.
It's the time of year to focus on the things that truly matter - to make those moments with friends & family that bit more special. So, gather your loved ones, sit back and relax next to our roaring log fires over a hearty meal and a Christmas tipple (or two!).
Take a look at our selection of festive menus to find out more.
The Christmas period is a particularly busy time for our pubs, as a result there are certain dates when we will require a non-refundable deposit to be paid and/or a pre-order to be placed. Please look out for this information when placing your booking or contact us on 01592 749613 if you have any queries.


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Networking, Telecom and Software Design articles.
- Long Term Evolution (LTE) Tutorials and Call FlowsLong Term Evolution signaling flows and tutorials for LTE protocol layers.
- 5G-NR Tutorials and Call Flows5G-NR call flows, 4G-5G dual connectivity and 5G architecture.
- IMS Call Flows IP Multimedia Subsystem (IMS) call flow diagrams are covered here.
- TCP/IP Sequence Diagrams Sequence diagrams about TCP/IP and other networking protocols.
- Telecom Call Flows Detailed call flow diagrams for major telecommunications protocols. GSM, SIP, H.323, ISUP, V5.2 and IMS are covered.
Software design
- Embedded Object Oriented Design Articles related to Object Oriented Design and Programming in Embedded Systems.
- Design Patterns Covers Real-time design and implementation patterns that have proved to be successful in Embedded software design.
- Real-time Software Design Basics This section contains articles about basic Embedded and Real-time software design.
- Fault Handling The articles in this section cover the various software and hardware fault handling and fault tolerance techniques.
- Congestion Control Here, we present articles that cover congestion control and overload control techniques.
- System Design Examples System design techniques are covered here with examples. The examples describe taking a system from concept to high level design.


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Tag: Astrology suggests these remedies for overcoming these problems
Are you searching on internet about Astrology suggests these remedies for overcoming these problems then Our Astrologer who is world famous astrologer giving Astrology suggests these remedies for overcoming these problems services from more then 20 years with best records of success in this field . if you want to get complete details about Astrology suggests these remedies for overcoming these problems + something then our giving article and blog can help u to solve all problems. Here we will provide you complete solution with 100% privacy and Guaranteed way.
Role of Astrologer to solve your love marriage problem: Nobody can denies the role of astrology in our modern life astrology or jyotish is an ancient analytical system that can reveal your present past and future. The feeling of love cannot be measured with any other feeling in the world but you cannot say how much longer does your love life will go.
Couples take steps to make their relationship successful so that they can see themselves as a husband wife in the future but only few of them get successful in their plan because as we all know it is a very hard to save your relationship to cross the line. Vedic scriptures are related to one's life. Over the years astrology has gained the importance of the spiritual core of the Indian society.
But why all these things do happens and what are the reasons behind it and what is Role of Astrologer to solve your love marriage problem or how does astrology can really help us. if you also one who are facing problems in your love marriage then here you can Get online love marriage problem solution with 100% privacy with Delhi astrologer.
Reasons behind love marriage problem
- Your relationship can end if the planet that is dictating your current 'maha Dasha' is malefic in your chart. The sixth house of your horoscope determines violence in the relationship. If the Dasha of sixth house is currently running, it can finish your relationship with unwanted violence.
- Venus, Libra and 7th house are responsible for the failure in relationships.
- Weak, debilitated or afflicted Venus.
- In addition, Weak or afflicted 7th house.
- Weak or afflicted Libra sign.
- Venus is the planet of love and relationships, therefore weak Venus may cause failure in relationships.
- Fifth house is the house of love and romance. If exalted sign of the lord of 5th house falls in Rahu-Ketu axis, there is a fair chance of untraditional union. Also, Rahu, Saturn and Venus aspects 7th house or 7th lord, love marriages are bound to happen. Saturn and Ketu in the seventh house also result in love marriage.
- If Rahu is associated with the 7th lord in 12th house. Chances of marriage with foreign nationals can't be ruled out. Some other factors are- if 7th lord is in any constellation of Rahu if 12th lord is in the nakshatra of Rahu. Also, Dasha and Antar Dasha of Rahu or if in 7th lord's dasha and Antar Dasha with Rahu in the association may dictate love marriage.
- Some specific planets can cause problem too. Saturn makes us sacrifice and during the maha Dasha of Saturn people often become indifferent towards love. Similarly, the planet responsible for separation is Sun and during its influence, most relationship comes to an untimely end.
Astrology suggests these remedies for overcoming these problems
our love marriage specialist play great role of Astrologer to solve your love marriage problem and suggests you some remedies for overcoming these problems
- To cure the love problems you need to appease Venus. Wearing white on Fridays is one of the strongest ways to please the Venus and the presiding deities of the planet. Besides this, it is believed to be effective to have a white dish like a sweet dish of milk that is Kheer. To reduce the malefic effects of planet Venus.
- You need to get astrological remedies for the lords of your 5th and 7th house according to your horoscope.
- Offering sweets to young girls can subside this a bit. Offering milk to shivalingam also strengthens your position of the Moon. You should also remedy your weak lord of 5th house if needed.


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Schmitz insurance, LLC serves the people and businesses in Door county and Kewaunee county and the surrounding areas including Sturgeon Bay, Algoma, and Kewaunee for auto insurance, home insurance, farm insurance, business insurance, health insurance, and life insurance . Our primary service area includes Sturgeon Bay, Carlesville, Institute, Baileys Harbor, Fish Creek, Sister Bay, Ephraim , Algoma, Kewaunee, Casco, Luxemburg, Brussels, and Forestville. This resource has been designed for your benefit as a client or hopefully soon to be client of Schmitz Insurance, LLC. Please take a minute to discover the services available to you here. Let us know if there is anything else you might need. Thanks.
Our Mission
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The uncreative destruction wrought by Obamacare on the economy commenced before it was adopted and has continued steadily through the promulgation of the regulations implementing the Rube Goldberg contraption wryly named the Affordable Care Act. Grace-Marie Turner provides an illustrative example in her Forbes column "It's fact, not anecdote, that Obamacare is turning us into a part-time nation."
Obamacare's mandate to provide the costly health insurance compliant with the law applies to employers with 50 or more full-time employees. So employers have exerted themselves to stay under the magic numbers. Turner takes a look (and recognizes that "data" is the plural form of the noun):
Bureau of Labor Statistics data show that the ratio of part-time to full-time jobs has completely flipped this year from historical trends. Last year, six full-time jobs were created for every one part time job. This year, only one full-time job is being created for every four new part-time jobs.
The shift to part-time has accelerated over the past several months because of the "look back" provision in ObamaCare that sets the baseline this year for the number of full-time workers a company employs to determine their compliance with the employer pay-or-play mandate.
This is only one aspect of the law's multifaceted destructive power. Turner touches on a few others:
A recently-leaked letter from Delta Air Lines to the Obama administration states that the "cost of providing health care to our employees will increase by nearly $100,000,000 next year," much of it due to Obamacare.
The delivery giant, UPS, is cutting eligibility for spouses of employees who have access to health coverage elsewhere. It says that the costs the law imposes are forcing changes, citing the law's research fee and a tax of $63 per member to help shore up the health exchanges. Other factors are the act's ban on annual and lifetime coverage limits and its requirement to cover dependent children up to age 26, UPS said. The University of Virginia also is limiting spouse health benefits.
Forcing employers to provide health insurance that soaks up their profits or cuts into operating revenues causes a cascade of distortions. Clearly, the law already is resulting in layoffs, fewer hours, and reduced hiring. It may even force some businesses to shut down.
Obamacare is a fiasco, the consequences of which will (to borrow Churchill's phrase) travel far with us along our road.
UPDATE: A reader writes to add another related point:
I am writing to you because for now I am employed in the health care field. What was once a sure way to a successful life is one that is leaving us (the workers) fearful of our jobs. The pool of covered patients will grow but reimbursement is shrinking. It does not take a genius to figure out that we are heading toward doing more work with less people. The quality of care will suffer and the job satisfaction of the employees will as well. This impact, specifically the employment figures, is something that should be looked at and hammered on. Krauthammer's statement of it taking over 1/6 of our economy sure is hitting home for me.


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State Fundraising Notices
Although our financial report is always sent free to anyone requesting a copy, certain States require us to advise you that a copy of our financial report is available from them.
The American Cancer Society ("ACS") is a New York not-for-profit corporation that is the nationwide community-based voluntary health organization dedicated to eliminating cancer as a major health problem by preventing cancer, saving lives and diminishing suffering from cancer, through research, education, advocacy and patient service programs. Our Global Headquarters is located at 250 Williams Street, Atlanta, GA 30303. The information enclosed describes one or more of ACS's activities. Your gift is very much appreciated and tax deductible as a charitable contribution to the fullest extent allowed by law. A copy of ACS's latest financial report may be obtained by writing to ACS, 250 Williams Street, Atlanta, GA 30303 or by calling 1-800-227-2345. If you are a resident of the following states, you may obtain information directly by contacting:
FLORIDA: A COPY OF THE OFFICIAL REGISTRATION AND FINANCIAL INFORMATION OF ACS MAY BE OBTAINED FROM THE DIVISION OF CONSUMER SERVICES BY CALLING 1-800-435-7352, TOLL-FREE WITHIN THE STATE. ACS's registration number in Florida is CH7486.
Georgia: The following information will be sent upon request: (A) A full and fair description of the programs and activities of ACS; and (B) A financial statement or summary which shall be consistent with the financial statement required to be filed with the Secretary of State pursuant to Code Section 43-17-5.
Maryland: Copies of documents and information submitted by ACS under the Maryland Solicitations Act are available for the cost of copies and postage from the Secretary of State, Statehouse, Annapolis, MD 21401, 1-410-974-5534.
Mississippi: The official registration and financial information of ACS may be obtained from the Mississippi Secretary of State's office by calling 1-888-236-6167.
New Jersey: INFORMATION FILED WITH THE ATTORNEY GENERAL CONCERNING THIS CHARITABLE SOLICITATION AND THE PERCENTAGE OF CONTRIBUTIONS RECEIVED BY THE CHARITY DURING THE LAST REPORTING PERIOD THAT WERE DEDICATED TO THE CHARITABLE PURPOSE MAY BE OBTAINED FROM THE ATTORNEY GENERAL OF THE STATE OF NEW JERSEY BY CALLING (973) 504-6215 AND IS AVAILABLE ON THE INTERNET AT www.njconsumeraffairs.gov/ocp.htm#charity.
New York: New York residents may obtain a copy of ACS's annual report by writing to the Office of the Attorney General, Department of Law, Charities Bureau, 120 Broadway, New York, NY 10271.
North Carolina: Financial information about ACS and a copy of its licenses are available from the State Solicitation Licensing Branch at 888-830-4989.
Pennsylvania: The official registration and financial information of ACS may be obtained from the Pennsylvania Department of State by calling toll-free, within Pennsylvania, 1-800-732-0999. Registration does not imply endorsement.
Virginia: A financial statement for the most recent fiscal year is available upon request from the State Division of Consumer Affairs, P.O. Box 1163, Richmond, VA 23209; 1-804-786-1343.
Washington: You may obtain additional financial disclosure information by contacting the Secretary of State at 1-800-332-GIVE. West Virginia: West Virginia residents may obtain a summary of the registration and financial documents from the Secretary of State, State Capitol, Charleston, WV 25305. REGISTRATION OR LICENSING WITH A STATE AGENCY DOES NOT CONSTITUTE OR IMPLY ENDORSEMENT, APPROVAL OR RECOMMENDATION BY THAT STATE. We care about your privacy and how we communicate with you, and how we use and share your information. For a copy of the American Cancer Society's Privacy Policy, please call 1-800-227-2345 or visit our website at cancer.org/privacy.
Charitable Gift Annuity Disclosure
Charitable gift annuities are offered to U.S. residents by the American Cancer Society, Inc., in all states. The act of establishing a gift annuity with the ACS is not, and should not be viewed as, an investment. Payments made under charitable gift annuities are not insured or otherwise guaranteed by any government entity. The annuity payments are a general obligation of the ACS and they are backed solely by the full faith and credit of the ACS. Charitable gift annuity rates vary according to age and are subject to change.
Would you like to know more about the American Cancer Society? A copy of the latest financial report and Form 990 for the American Cancer Society, Inc. may be obtained by writing to the American Cancer Society, 250 Williams Street, NW, Suite 400, Atlanta, GA 30303, by calling 1-800-227-2345, or visiting our by financial and governance section.
This is not legal advice. Any prospective donor should seek the advice of a qualified estate and/or tax professional to determine the consequence of his or her gift.
In South Dakota: Charitable gift annuities are not regulated by and are not under the jurisdiction of the South Dakota Division of Insurance.
In Oklahoma: A charitable gift annuity is not regulated by the Oklahoma Insurance Department and is not protected by a guaranty association affiliated with the Oklahoma Insurance Department.


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Export 337 results:Author Title [ Type] Year
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Journal Article
"Computer-aided detection of early neoplastic lesions in Barrett's esophagus", Endoscopy, 2016. (1.05 MB),
"Development and Analysis of a Real-Time System for Automated Detection of IED indicators from Ground Vehicles", Journal of Electronic Imaging, Submitted.,
"Exploiting street-level panoramic images for large-scale automated surveying of traffic signs", Machine Vision and Applications, vol. 25, pp. 1893-1911, 2014. (4.04 MB),
"Fast scene analysis for surveillance & video databases", IEEE Transactions on Consumer Electronics, 2017.,
"Hierarchical 2.5-D Scene Alignment for Change Detection With Large Viewpoint Differences", IEEE Robotics and Automation Letters, vol. 1, pp. 361-368, 2016. (5.52 MB),
"ProMARTES: Accurate network and computation delay prediction for component-based distributed systems", Journal of Systems and Software, vol. 117, pp. 450 - 470, 2016. (3.35 MB),
"Real-time planar segmentation of depth images: from three-dimensional edges to segmented planes", Journal of Electronic Imaging, vol. 24, p. 051008, 2015. (684.11 KB),
"Supportive Automatic Annotation of Early Esophageal Cancer using Local Gabor and Color Features", Neurocomputing, vol. 144, pp. 92-106, 2014.,
"Fast planar segmentation of depth images". 2015. (3.35 MB),
"Large-scale classification of traffic signs under real-world conditions". 2012. (645.84 KB),
"A vision-based approach for tramway rail extraction". 2015. (8.14 MB),